Author: Joe Olujic

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Money

How Much Can You Make With A Career In Video Production?

video production

When you are thinking of going into a career in video production, you need an understanding of how much you can make in this field. There are a few tips below that will help you understand how to make money and how much money you will make. As you consider how much money you will make, you can look into several different options that will help you fill your schedule and your bank account.

  • How Does Video Production Work?

Video production is a good way to remain creative and have an outlet for your thoughts. You can create videos for companies that need help with advertising. You can create videos for bloggers, or you can help film commercials for large businesses.

A video producer can also edit and add graphics, music, and add information to each video to improve search results. The producer takes control of all the content that is produced, and that means the producer could spend hours working on several different parts of the project.

What Is The Median Salary For A Video Producer?

The average salary for a video producer in America is just over $56,000. This means that an average video producer can make about $4600 a month. Every video producer has their own schedule, and you get to decide how much you will be working.

If you would like to cram your schedule, you can make more money because you re working more hours during the day. The “high end” of the salary range can go up to as much as $87,000 for someone who is putting in extra time.

What Can Video Producers Charge For?

Video producers can charge for a large range of services such as recording, editing, music, graphics, and file conversion. When the video producer must record all the content for a client, they need to take time to go to a location, host the production, or visit the client’s business.

Video producers can charge for travel and equipment use when they are managing a major video shoot. Additionally, video producers can charge a premium when they must rent equipment for the shoot. This is a simple way to make a bit of extra money because it takes time and energy to line up rented equipment.

Video Producers Can Add Graphics And Text To Each Video

When videos are created, the producer can add text or graphics to make the videos more informative. A video that includes links is much easier to use because viewers can click on those links for more information. Additionally, the producer can add text that helps with the flow of the video. For example, someone who is talking about steps in a process needs text that will explain each step. Some people need to see the steps along with some text.

Graphics might also be used to ensure that the viewer knows what the video is about. Someone who is explaining an abstract concept might want to add graphics that provide better information. The graphics might be more informative than the video, or the client might want to be known for the extra graphics that they add to their videos.

Text can also be used to create credits on videos, add contact information to commercials, and add URLs to videos that reference a particular website. When video producers are offering this service, they can charge more. The producer makes more money on each job, and they can dramatically increase their yearly earnings as a result.

What About Adding Music?

When video producers know how to add music to their videos, they can charge another fee for original music. Producers can add music that suits the situation, and that will make their services a little bit more expensive. In short, a video producer with more skills can make more money.

Can The Videos Be Posted Online?

If the video producer takes the next step to post videos online, they can charge another fee for that service. These producers can add website services to their contracts, and it is easy for the producer to add these services if their clients would like to expand online. For example, a vlogger might actually film their videos with their producer. The producer will do all the editing, and they can post the videos on behalf of the vlogger.

Anyone Can Become A Video Producer And Earn A Good Living

Anyone who wants to become a video producer can make good money and work with a wide range of clients. Video producers can increase their income if they add skills that can be offered to customers. Producers can offer text, graphics, and even music. The producer can charge a premium for renting equipment, and they can also add more clients to their schedule to increase their monthly income. A video producer is often their own boss

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Money

Five Real Estate Investment Strategies For Passive Income

David Ebrahimzadeh

When you are planning on investing and making a passive income, real estate may be the first thing that you think of. You need a few tips that will make real estate investment easier, and any of these tips will ensure that you can make more money going forward. You may want to start investing in real estate more, change careers, or even get into other aspects of the real estate if you enjoy it.

1. Become A Partial Investor

David Ebrahimzadeh recommends that you try partial investment because you can invest in a larger company or property without spending all your money. You can work with these investors any time that they want to buy a new building, and you will make your money back when the investor is making money. You can invest with friends, and you can get more involved in investing over time. Your small investment makes money, and you can increase your investments when needed.

A partial investor is shielded from most issues with a big investment company, and you do not need to even tell people you work with that investor. You provide the cash, and the investor provides you with the dividends you have earned.

2. Sublet Your Home Or Condo

When you own a home or condo, you should plan to sublet the property when you are moving. There is no need to move out and give away the property when you can invest in the home. Your tenants will give you the money you need to pay the mortgage, you will make extra money, and you can keep that property for as long as you like.

3. Invest In Local Apartments

When you would like to invest, you might prefer working with local apartments. Some people will turn their old homes into a series of apartments, and you can turn that one piece of real estate into two, three, or four rent payments every month.

You could convert any home into a few apartments quickly, and you will have a space that is easy to manage. You can hire a management company to work the property for you, or you can invest in one of these homes with friends instead of investing in something that is much larger.

4. Invest Out Of Town

When you would like to invest in real estate, you should not be afraid to invest out of town. You may have family and friends that live far from where you reside, and you might find places to invest that will be intriguing to you. David Ebrahimzadeh encourages you to work with your friends and family out of town when you would like to make a passive income. These properties might be cheaper because your friends and family live outside the city, or you could make extra money while allowing someone in your family to make extra money while looking after the property.

Investing out of town is also a very good idea for a person who wants to reduce their risk. When you know that people you trust are close-by, they can work with you.

5. Flip Houses With A Partner

When you want to start flipping houses, you can do so with a partner. A partner that you are working with will help you do much of the work, and you can even hire contractors to help you. You will start making money from the house as soon as it sells or you rent it. You can make a passive income as the tenants pay their rent, or you will make a lump-sum of cash when it sells.

You can flip a small condo you bought that requires a very small amount of work, or you can even renovate a home you have inherited from family. Do not be afraid to try a small flipping job before you move on to something bigger.

Conclusion

You can start investing in real estate at any time when you would like to make a passive income, and you should be careful to start slowly. You can invest in small condos or homes you might have owned, or you can become a partial investor. You can sublet your home or condo when you would like to, and you can flip homes with a partner. You might also want to invest out of town so that you can make money in other parts of the country. You are pocketing extra cash, and you can change careers when you are ready

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Money

Jeff English NJ Shares How Much To Expect To Make Your First Year as a Graphic Designer

Jeffrey English NJ

Graphic design is a creative and rewarding career that demands an up-to-date knowledge of industry software and a professional approach to issues. Part of the reason graphic design career is in high demand is because there are many specializations linked to the profession. According to Rasmussen, the main graphic design specialties include: User Interface (UI) design, web design, User Experience (UX) design, Information Architecture and animation and motion graphics.

Although a number of graphic designers are self-taught, the best strategy to kick-start a successful career is obtaining a degree in design or related study. This assessment is supported by industry statistics showing employer’s preference for candidates with either Associate or Bachelor’s degree. Design candidates also need an internship experience and appropriate projects and work experience. The internship experience should be backed by professional references.

To effectively market their skills and experience, graphic designers also need a solid graphic design portfolio, featuring a variety of projects that stand out. Professionals looking to pursue a specific specialization should ensure the portfolio reflects their aspirations. Due to the nature of work, graphic designers can work virtually anywhere. Most professional service jobs are found in big cities and places with a high population. The graphic design jobs are broadly classified as follows:


• In-house jobs
• Freelance jobs
• Agency jobs

Salary


The salaries offered to graphic designers are largely dictated by the employment sector, skills and experience, work locality, and individual reputation. The salaries generally vary for cadres like junior graphic designers, middle-level graphic designers and freelancers. Research shows that professionals working for in-house design teams tend to earn more money compared to their counterparts. A recent SimplyHired report reveals the following salaries for graphic designers:


• Intern graphic designer – $25,800
• Junior graphic designer – $38,000
• Web designer – $50,000
• Instructional graphic designer – $57,000
• Senior graphic designer – $57,300
• User Experience (UX) designer – $86,700

Learning how to negotiate can help graphic designers improve the chances of getting a better pay package. The first step is figuring one’s worthiness. A graphic designer can perform a quick check of the job offerings and salaries offered to graphic designers locally. The job descriptions normally feature the kind of experience the employer is looking for and the expected salary. Some of the job and career sites to add to your checklist include Indeed and Glassdoor.

For graphic designers looking for online design gigs that pay on an hourly basis. It is highly advisable to negotiate for salary from a higher stand-point while maintaining some flexibility. It is also critical to be specific about the salary you want and ensure your portfolio is constantly improved. Graphic designers need to be specific about the salary they want to send a strong signal to employers that you have done extensive research and are aware of the market rate.

Graphic designers need to continually improve their portfolio as a strategy to market their brand. An online, graphic design portfolio can come in handy when showcasing talents and potential. If you are an established graphic designer, the online portfolio can help you attract more business and add projects that will further sell your brand. For in-house graphic designers, a good portfolio can also be used to negotiate better salaries and terms of service.

Graphic designers without a website can use the opportunity to find a website builder who offers compelling themes to showcase their graphic design works in the best possible way.

Graphic Design Champion


Advances in the field of graphic design have greatly revolutionized the industry and brought with it new design champions. Jeffrey English NJ is at the forefront of pushing the limits of graphic design. Jeffrey English NJ is riding on a 10 years’ experience that has endeared him to many as a detail-oriented designer with a knack for quality and timely completion. The New Jersey native owns and operates a leading state-of-the-art studio in Hoboken, New Jersey.

The studio is renowned for creating revolutionary branding concepts and marketing materials such as website templates, business logo and video advertisements. At the personal level, Jeffrey has a powerful artistic sense and has inculcated interpersonal skills in his work ethics. He sees great promise in new talents taking up graphic design careers. Besides the attractive salaries and flexible jobs, graphic designers enjoy freedom of expression and opportunity to work for reputable firms

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finance

How to Make Your First $100,000 As An Online Entrepreneur

Pedram Zohrevand

Entrepreneurs often fall in love with the idea of making their first six figures by working for themselves. While this goal is certainly achievable, it requires serious strategizing to do on your own. Read on for the best tips to make your first $100,000 as an entrepreneur.

1. Identify Your Niche

The first step in the process of earning $100,000 is to identify your niche. While there is money to be made as an entrepreneur, this only comes as a result of very intentional and persistent business practice. In order for you to find success as an entrepreneur, you’ll need to start by finding something that other people are willing to pay for.

Experts like Pedram Zohrevand recommend identifying your passions and interests to find a viable niche that is guaranteed to become profitable. Consider the interests and passions that you naturally gravitate towards. This will give you a better idea of where you’re willing to invest your time, which decreases the odds of your quitting.

2. Diversify Your Audience

In addition to identifying your niche, your next step is attracting a diverse audience. If you’re starting from scratch, the next step is to select a target audience and start generating interest. Your target audience should be the demographic that your brand’s products or services cater to. For example, graphic designers’ demographic may include business owners that need content for marketing and promotion.

After identifying your target audience, your next step is to make an effort to create a diverse audience. To start pulling in more money, you’ll need to create a diversified audience. Businesses should use paid and organic social media marketing, webinars, email marketing, and similar methods to reach different types of clients and customers. As you reach new types of clients, you’ll strengthen your brand’s customer base, ensuring that you have a solid group of customers supporting your entrepreneurial endeavors.

3. Have Offerings for Every Price Point

Another tip to grow your income as an entrepreneur is to be sure to have multiple product and service offerings for every price point. Most businesses make the mistake of having a one-size-fits-all model for their business offerings. While you may find clients willing to pay top dollar for a specific product, this severely limits your reach with potential clients. In addition to offering top tier services and products, be sure to create lower-tie offerings.

In addition to giving your customers more products and services to choose from, Pedram Zohrevand shares that having lower-level offerings helps to get more people into your sales funnel. For example, a product that is priced $10 is a great way for a new customer to test out your brand without taking on the risk of paying more for a higher-priced product or service. Once they discover the value in their initial purchase, they’ll likely become a repeat customer.

4. Build Multiple Streams of Revenue

As you work towards making your first $100,000, it’s essential that you build multiple revenue streams. Gone are the days where relying on a single stream of income is feasible. To generate more money as soon as possible, you must use your resources to bring in money from other outlets.

Other popular formats for money-making include offering courses, consulting and coaching services, membership websites, digital information products, paid content creation, and more. Many of these can be passive forms of income, ensuring that your net worth continues to grow without you having to lift a finger.

5. Stop Wasting Time

Entrepreneurs often get caught up in the idea of working all the time but fail to realize that they’re not actually making more money. To add more monetary value to your life, you’ll need to value and prioritize your time. Avoid time-wasting activities like consuming free content or wasting time on social media.

It’s not always easy to identify time-wasting activities. Make sure you get ahead of these wasteful behaviors by putting together a plan for the following days, weeks, months, and years. Similarly, choosing to be more specific about how you respond to calls, emails, and messages is another way to prevent yourself from giving your time away for free.

6. Learn From the Best

One of the fastest ways to make $100,000 is to learn from entrepreneurs that have already achieved this goal. While you can find valuable resources for free, the best and most effective advice won’t come cheap. If you want to make more money in a timely manner, make it a point to invest in premium content and learn from the best experts.

Not in a place where you can invest in top-tier content? Consume quality free content for now and come back to the experts when you’re able to. With expert knowledge, you’ll learn specific strategies that will help you achieve and exceed your six-figure goal.

Your first $100,000 is achievable. As you develop as an entrepreneur, use this guide to help you make the best decisions to help you scale your business and make more money

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making money online

Jeff English Hoboken Shares How Much You Should Expect To Make Your First Year as a Freelance Graphic Designer

Jeff English Hoboken

Jeff English Hoboken is a talented graphic design artist. During his many years working as a graphic designer, English has set a standard of excellence that creates winning products for his clients. His creativity and skills are the driving force behind many well-known brands in the area. If you dream of following in the footsteps of Jeff English, learning more about the salary you’ll earn as a graphic designer is important.

We all need a career that pays the bills but more so, allows us the chance to live a comfortable and fulfilling life. Working as a graphic designer provides the chance to provide important services for other businesses as you put your skills and creativity to work. Each day working as a graphic designer offers new challenges, new rewards and new opportunities for growth. It’s a career that pays the bills and offers room for the fun things in life that we all enjoy.

Average U.S. Graphic Designer Pay Rate

PayScale.com reports the average salary for a graphic designer in the U.S. is $29.42 per hour. This salary is well above the average pay for many prominent positions, including teachers and mechanics. Graphic designers earn more money as their skills and confidence increase with experience. Bear in mind this reflects the average salary across the U.S. The average salary for a graphic design may be higher or lower than this number, depending on many factors, particularly your location.

Skills & Experience Increase Pay Rate

As a graphic designer gains more experience and expertise, their salary also increases. For example, with just five years of experience, a graphic designer earns an average base salary of $31.20 per hour while a graphic designer with just 10-years experience earns an average pay rate of $39.90 per hour. Designers with the broadest skill set also earn more money than their counterparts. Customers deem the most talented designers worthy of a higher salary and do not hesitate to pay more when they need the best in business.

A graphic designer who opens his or her own company also earns a higher average salary than a person who works for another company. Although many people begin their careers working for someone else, expanding later on in their career and becoming the star of their own show is not uncommon.

Location, Location, Location

Your location is one of the biggest factors that affect the salary you’ll earn working as a graphic designer. It seems that Atlanta-area graphic designers earn the most money, racking an average of 52% higher salaries than anywhere else in the U.S. Denver and Seattle designers also earn higher-than-average income levels. Jeff English Hoboken is pleased with the salary that designers earn working in the NYC area as well.

How to Earn More Money as a Graphic Designer

Graphic designers can earn more money than the average salary for this industry should they desire. The best way to earn more money working as a graphic designer is to put yourself out there! When a person sees your advertisements, business name, etc., they’re bound to take notice, especially if they like what they see.

Create a blog that you regularly update. Customers enjoy reading blogs since it provides them with knowledge and information. Blogging improves SEO results as well. Graphic designers should advertise in local newspapers and publications and use word-of-mouth advertising every chance possible. There’s always an easy way to bring up your business and/or services during a conversation, in an email or even in a text message without becoming overbeating to friends and family.

Never miss the opportunity to reach your customers, new and old. It is an essential part of successful business.

Great Pay and a Great Career

Although graphic design work isn’t right for everyone, many people love the idea of designing and creating logos and important materials for other businesses. It is a fulfilling job with plenty of rewards at the nd of the day. Best of all, it’s a career that pays the bills and allows you to live a comfortable life. Most graphic design companies also offer plentiful benefits. A career working as a graphic designer could very well be your calling

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finance

How to Keep COVID-19 From Causing Your Financial Empire to Fall

Rusty Tweed

You may be wondering what you need to do in order to keep your finances intact during the COVID-19 crisis. Here are some principles to live by so that you can live financially to see another day.

Know the Different Scenarios

One of the first things that you should do is to model various different financial scenarios based on certain impacts that the economic crisis could have on you It is vital to be prepared for the worst-case scenario financially so that you are able to plan for the worst. Make sure that you consider the worst of what can happen and are not overly rosy in forecasting the various situations that you may change. In other words, you will want to have a plan to deal with the worst so you can know how to adjust your expenses accordingly.

Stay Defensive

You will also want to adopt a defensive posture so long as the crisis is continuing and things seem chaotic. While there will be the urge to try to take advantage of opportunities that arise during this time, the best thing that you can possibly do during an economic crisis is to survive. There will be plenty of chances to scoop up assets on the cheap once it is apparent that the crisis is over and you will emerge from it.

While the COVID-19 outbreak is ongoing, you must be cautious in terms of investments and new opportunities. Remember to not use all of your available cash and to always keep more than enough liquid assets than you need to make it through to the point where business begins to increase again. As Rusty Tweed would tell you, sometimes the biggest win is just sticking around when other businesses are forced to close.

If you are an individual as opposed to a business, you should still try to stay as liquid as you can during the crisis. However, you can slowly scale into new financial opportunities as they arise, making sure to do so a little at a time.

Use All Available Government Programs

Moreover, you should take advantage of each and every single government program that is available to you. If you are a business, there are government loan programs that are designed to keep your business going until the crisis has passed. Some of these loans can even be forgiven so long as you keep your business operating during the COVID-19 outbreak. To the extent that there is a government program or other relief that allows you to take advantage of forbearance to pay certain bills, wait to pay the bills until you have to so you can continue to conserve cash resources.

Not every government program is well-publicized during this time. Some may be first-come-first-served while others may have time deadlines to apply. Do an exhaustive search for all possible programs that can give you grants or loans during this difficult time.

As an individual, do not hesitate to file for unemployment. There are federal government programs that supplement state unemployment benefits, giving you a living wage while you are out of work due to the coronavirus crisis. However, you will need to be persistent in filing for unemployment benefits because many people have been reporting difficulties getting through to the agency on the phone or even being able to file over the website.

Cut Expenses

As a business or individual, Rusty Tweed would advise that you get aggressive in cutting your expenses while there is no visibility about whether and when the economy will recover. In order to maintain your financial empire, you literally need to assume that the worst projections will happen and then plan from there.

This means cutting out any type of spending that is not essential. Provided that you survive this crisis financially, there will be plenty of opportunities to spend in the future. However, you must make it to the future. You can never be cautious enough when it comes to slashing the amount of money that is going out when it seems like the economic world is ending.

Keep Your Head

Finally, the most important thing that you can do as a business or an individual in order to keep your financial empire from falling is to keep calm and take a deep breath. Many people will panic during times like these and make illogical decisions. This is the beginning of the end for them as one bad decision literally begets another.

By thinking clearly and making sound decisions, you can do what needs to be done financially during these times. While these are occurrences that nobody could have fully planned for, you can still exercise the principle of strong decisionmaking to make it through. If you make decisions based on rationality and evidence, chances are that you will make it through this economic catastrophe

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Money

How Much Money Do You Need to Start a Public Relations Firm?

nancy behrman communications

Public Relations (PR) businesses are adept at using media to promote brands and products. According to Profitable Venture, successful PR firms must be well-versed in creative writing, journalism and reading group behavior pattern. The PR industry has witnessed tremendous growth in the last 10 years due to improved economic fundamentals and growth in marketing expenditure. The industry is valued at $14 billion and grew at the rate of 3% annually between 2012 and 2017. The country is home to over 44,000 PR firms employing over 100,000 people.

Steps of starting


When starting a PT agency, make sure it is registered and in compliance with all the legal requirements. According to TRUIC, here are the key steps of starting a PR business:

Step 1: Plan your business


During the business planning phase, you need to disclose your startup capital, target market and business name. You can start small and build on the subsequent gains. The initial expenditure should go towards printing business cards and letterheads; designing a company logo; developing a company website and copy-writing sales and marketing materials. The other basic expenses include utilities, taxes, rent and phone. These expenses will generally add to a few thousand dollars. Customers are normally charged; hourly rates, per project and monthly retainer.

Step 2: Create a legal entity


To prevent the risk of liability whenever the company is sued, you are best advised to establish an entity like an LLC. The other business structures to consider include the DBA and Corporations.

Step 3: Register for taxes


When registering for taxes, take time to learn the state rules and regulations regarding taxes. The first step is to apply for an EIN. This can be done via the IRS website, mail or fax.

Step 4: Open a bank account and set business accounting in motion


A business bank account is vital in protecting your business and personal finance against various risks. The measure will also make it easier to file taxes and manage business accounts. A dedicated credit card should also be obtained for the purposes of building business credit history. To measure progress and ease tax concerns, keep all the records of expenses and income.

Step 5: Obtain permits, licenses and insurance


The next step is obtaining relevant business insurance such as workers’ compensation. For the local and state business permit and licensing requirements, visit your city or town clerk’s office. A PR business also needs to provide service contracts or agreements to manage customer expectations, limit legal disputes and safeguard business interests.

Step 6: Position your brand


This is a crucial step to consider when establishing a PR firm because failure to obtain important permits and licenses could result in hefty fines and lead to business closure. This is an important time to define your brand based on what you offer. Creating a compelling position from the start will help your brand withstand competition.

The Do’s and Don’ts of starting a PR firm


The beauty of establishing a PR business lies in the opportunity to be own boss and a powerful influencer. Understanding the industry Do’s and Don’ts will help you overcome many pitfalls. According to the PR Week magazine, here are the most notable things to remember:

The Must Do’s
• The agency needs to be multi-faceted, but train its focus on the areas of strength
• Keep the financials in order, even it means bringing an accounting expert on board
• Hire only the best and respected talents to enhance creativity
• Embrace a new wave of thinking to grow the business

The Don’ts
• Choose your target audience wisely
• Maintain focus on the goals you want to achieve
• As you focus on profitability and bottom-line, do not overlook on the underlying importance of pro-bono work in building reputation and bank balance

The nascent PR industry has produced many towering figures. One such personality is Nancy Behrman. With over 20 years’ industry experience, Nancy is a PR pioneer and the CEO and Founder of the Nancy Behrman Communications. The company owes its success to a team of creative and strategic thinkers with extensive business and marketing experience. Nancy Behrman Communications is distinctly woman-owned and managed. Besides its CEO, the senior positions held by women include that of the Vice President, Assistant Vice President and Copy Director

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finance

Jayhawk Advisors Shares 7 Things To Invest Your Work Bonus Into

It is nice when you are recognized at work and it’s even nicer when you get a bonus. Whilst it is tempting to blow your bonus on a new TV or a fancy dinner and an overnight stay out of town, you need to think about practical ways you could use your bonus such as reinvesting that money to help grow your savings account or your portfolio as the case may be. Here at Jayhawk Advisors, we are committed to helping clients grow their wealth, so without further ado here are 7 ways you can re-invest your bonus, and boost your financial health!

1. Re-invest in yourself, via your employer

If your business thrives, then you keep your job. Depending on the company you work for it may or may not be publicly traded, as such if it is publicly traded then you should consider purchasing stock in your company. Stock options are a great way to boost your income and help you save some money for the future. When it comes to buying stocks remember this, buy low; sell high!

2. Buy CD’s or bonds

If you are not brave enough to weather the storm that is the stock market, you can approach investment in a passive way by buying CDs or bonds from your local bank. The rate of return on investment is not that high so many people avoid bonds or CDs. most CDs offer 1 and 1/2 to 2% on return on investment at the time of the bonds maturity. 

3. Put the money into a high yield savings account

Again, if you are someone who prefers a passive investment then a high-yield savings, account would be perfect for you. With high-yield savings accounts you have to have a large deposit sometimes over $1,000 to see the rates of return that you would expect from a high-yield savings account.

4. Use the money to get out of debt

 Sometimes the best investment you can make in yourself is paying down your debts. When you pay your debts down, you free up more capital and will have the money you need to buy stocks or open a savings account or do whatever you can to grow your wealth and protect your family from financial instability.

5. Buy into a business or a franchise

Not knowing how much your bonus is we can only speculate and offer a wide range of options of things to invest in. A great money maker is franchising or buying into an established business. Now you would have to have a sizable bonus in order to buy into a franchise most franchises including restaurants like Burger King ask for an investment of $50,000 but there are groups that go in together to buy franchises and there are many websites out there that will connect you with startups or franchise owners looking for investors.

6. Put the money in an IRA

Consider putting the money into an IRA or if you already have a retirement account see how much you need to put into Max it out for the year. Remember the IRA account to tax-free, so you can maximize your current IRA account.

7.Invest in your home

Consider using the money to invest in your home and make some energy-efficient changes such as solar panels. Solar panels or other energy-efficient upgrades to your home can add thousands of dollars to the value of your home. Also, you will save money in the long run from lower energy bills. In fact with solar power, you can make money by selling your unused energy to the power company. 

As you can see, there are many things you can do to reinvest your end-of-year bonus but what you can do will be dictated by how much the bonus is. Even if the bonus is $500, then that is still enough to make substantial savings or investment depending upon what you want to invest in. Managing money is difficult but with Jayhawk Advisors, you can find the Financial Freedom you need on your own terms.

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Money

What to Do If I Can’t Afford a Lawyer?

Legal issues are never fun, and they are worse when you can’t afford a lawyer. It seems like there are more lawyers than there are people but there aren’t enough people to pay for the lawyers. The average legal bill is at least $500 per hour for services rendered, and that does not include going to court or the cost of filing paperwork at the courthouse, etc. If you’re reading this, then you might be in a position where you need a lawyer and cannot afford one or are looking for help for a loved one who is in that predicament. So without further ado here are some ways that you can get legal help without paying.

Apply for legal aid

Depending upon your case you may qualify for legal aid but this is generally for criminal cases and not civil. There is also the public defender’s office but you should only use that as a last resort. Studies show that public defenders will do nothing more than try to get you the best deal even if you are innocent, they want to clear your file off their desk and move on to the next person on the list. 

Get the services of a law student

Lawyers have to start somewhere so why not help out a law student by allowing them to work on your case for free. Most law schools will offer the services of trainee lawyers in exchange for school credit.  This is a wonderful opportunity for a budding lawyer to sink their teeth into a case, and with the zealous nature of the young, you might even get a better outcome than you would from a seasoned lawyer.

Small claims court

If it’s an issue of money, you can go without a lawyer in small claims court. Small claims court has basic paperwork and oftentimes it’s a waste of money to have a lawyer when you’re only going after maybe a couple of hundred dollars. You have to think about what’s cost effective and when it comes to small claims court having a lawyer is not cost effective. 

Represent yourself

They say it’s only a fool who represents himself or herself as the case may be, however there is nothing wrong with representing yourself in a court of law. There is no law that says you have to pay for over-priced services and not be satisfied when you don’t get the result you were hoping for. 

Look for a pro-bono/contingency lawyer

Pro-Bono or contingency lawyers are a great choice for those who are in need. With a Pro-Bono lawyer, if you are not familiar with the term they will not charge anything for their services. With a lawyer on contingency, you pay for the services after you win the case. If you do not win the case, you still do not pay the lawyer any fees because he is working on contingency only. There are many wonderful lawyers out there who will represent you for free or on contingency. Douglas Healy is one of those lawyers and has several years of experience and is an excellent and more than qualified lawyer.

Try mediation

Mediation is a great way to avoid the courts and even get a quickie divorce. The mediators are usually persons who have the right to practice binding arbitration, which means that their decision is final and cannot be stricken from the record, or re-determined at all. If you have a little money, then a mediator would be cost effective. If you do not have any money, or less than the mediators fees, ask if they (the mediator) will accept a lower rate, or has a sliding scale fee policy.

The Takeaway

You should never have to worry about paying for a defense when you need it. We all deserve the right to have legal representation, especially the most vulnerable in society who cannot understand or navigate the law without a helping hand from someone who knows it well, someone like Douglas Healy. Defense under and from the law is a sacred right that everyone deserves regardless of the situation be it monetary or personal. Douglas Healy accepts the former statement as cannon and will do everything in his power to protect and defend your rights, regardless of your financial status

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business

5 Sure-Fire Ways You Can Invest And Make A Profit

Jason Vanclef

There are many different ways to invest money and make more money. Businesses can invest money in other businesses or projects, while individuals can invest money in stocks or savings accounts. Here are five proven ways to earn profits from making investments.

1. Stocks

According to investment advisor Jason Vanclef, stock investing is a profitable option for both individuals and companies. Being wealthy is not required as some people have invested as little as $50 and earned $1,000 a short while later. The two main factors that you need for success are research and patience. Before you start, research the companies that you want to invest in and review the past stock trends. It takes a lot of patience to wait and see when you need to sell the stock.

2. Precious Metals

Investing in gold and silver is another option for people who believe that paper money is worthless. These two precious metals are always valuable as they are used in many applications, such as vehicles, jewelry, coins, etc. In the past, gold was used in place of paper money, known as the gold standard system. Investing in precious metals is similar to investing in stocks as you have to wait until the value increases or decreases and then sell.

3. High-Yielding Savings Account

Everyone who has owned a savings account knows that the interest accumulates. Making deposits into a high-yielding savings account allows you to accumulate interest based on savings rates, which are much higher than those of regular savings accounts. However, the interest adds up gradually, and it could take at least a year to see noticeable results.

4. Bonds

Similar to stocks, you can invest in bonds that are issued by the government or a corporation. An example of a bond issuer is a local or state government that issues debts to holders who help to fund their projects. The issue agrees to pay interest over time or repay the debt later.

As the holder, you are the lender who is lending money to the issuer or the debtor. Bonds provide an alternative method of financing to fund public or private projects. Bonds are similar to stocks because different because bond holders are not part owners of the company.

5. Certificate of Deposit

The CD is another method of investment that accumulates interest over time. The risks are fairly low as long as the initial investment is low. The process involves making a deposit at the bank and then choosing a specific monetary amount along with the period of maturity and interest rate. After the time span ends, the deposit and the accumulated interest are collected.

Whether the economy is undergoing a recession or not, it’s always a good time to invest. Some people are afraid of investing in stocks because they fear stock market crashes, but those are rare. Other people simply don’t understand how bonds and other methods work. Financial expert Jason Vanclef states that you should know all of your options before making the right investment choices.