Money Matters


Increase Your Income to Increase Your Tithing without Changing Jobs

Christ's Commission Fellowship

Many people believe in tithing.  Not only can this support your church, it can also support any charitable activities they would like to participate in.  If you want to increase the amount of money you have available to donate to these causes, finding a way to raise your income is a great place to start.

If you are looking to increase your income, you may not have to seek new or additional employment.  For those who would like to find an alternative to traditional employment in order to increase their tithe, consider the following ways to increase your income.

Documentaries that Shine a Light on the World of Investment Banking

Investing for Income

When most people think of investing, they tend to focus on their retirement accounts.  While investing for retirement is important, you can also invest in order to increase your income today.  Whether you want to manage your investments yourself, or prefer to use a service, like the Forex Manage Account Services offered by some businesses, creating a suitable portfolio can allow you to generate more income for use throughout your life.

An easy way to begin is to simply consider investing in stocks or bonds.  You can choose to use a website that allows you to choose to make trades when and how you prefer, or you can work with an advisor to help determine a plan based on your personal goals.  While no investment is truly a guarantee, you can make decisions based on the amount of risk you are comfortable with.  If you feel unprepared to invest in individual stocks or bonds, then choosing a mutual fund can help you diversify without having to make individual investment choices on your own.

Rental Income

If you have the ability to purchase additional real estate property, you may be able to earn income by renting the properties out.  This can allow you to earn income through the rental payments, while maintaining the property as an asset.  You can choose to manage the properties personally, or hire a company to handle the day-to-day in exchange for a portion of the rental fees.

If this is your preferred way to increase your income, make sure to keep a sufficient amount of funds available to make any necessary repairs that may be required, as well as manage any property taxes that will come due.  You will also need to maintain insurance on all of your properties.

Stock Photography

If you consider yourself a photographer, you may be able to earn income from your photos.  Stock photography sites are often considered a way to earn passive income, as you can earn money from the use of your photos multiple times.

While it does require some upfront investment in regards to time, both for taking the photos and to complete some post-processing, once the photos are on the site, no other real maintenance is required.  This can make it ideal for someone who enjoys taking photographs on their own, as it can allow a hobby to turn into a source of income.

Consider Your Other Hobbies

If you participate in a hobby that results in an item that could be sold, then you can continue doing an activity you already do, but do it for profit.  Many websites exist that allow people to sell homemade goods to customers across the country, or even the world.

Save Money Daily to Increase Your Charitable Giving

Whether you want to increase the amount of your weekly tithe, or are just looking for ways to raise funds for those in needs, by making an effort to save money every day, you may find yourself with some extra money for giving.  If you want to see what little changes you can make that can result in large donations over the course of a year, consider the following options to free up some additional funds.

Lower the Cost of Your Utilities

A significantly portion of a household’s budget is directed towards the payment of utilities.  By making a series of small changes, you may be able to lower your utility costs and redirect those funds to doing some good in your community.

One of the easiest places to start is with your lightbulbs.  Whether you favor table lamps, pendant lights, or recessed can lighting, making sure you are running the most efficient lightbulbs can lead to significant savings over the long-term.  In fact, an LED light bulb can save a home over $100 over the course of its life.  Depending on how many lightbulbs you have in your home, the total can add up quickly.

Save Money Daily to Increase Your Charitable Giving

You can take steps to lower your water bill too.  If you own a washing machine and dishwasher, make sure you only run them when they have full loads.  This can help make sure you get the most out of every cycle.  You can also switch to low-flow toilets, or simply put a small water bottle filled with tap water in the tank.  By adding the water bottle, a small amount of water is displaced, leading you to use less water with every flush.

Save Money on Food and Household Goods

While many people shy away from using coupons, they can lead to real savings over time.  Not only that, but there are so many options beyond the standard coupons you find in the newspaper.  You can print coupons from home if you find them on different websites, load them on to apps to take to the store, or add them to a store loyalty card to be automatically applied when you check out.

Normally, you will see the total of your purchase before and after the coupons are applied.  Instead of just pocketing the difference, consider taking that savings and directing it towards a charitable effort right away.

You can do the same with savings from store sales, or the difference saved by switching from a name brand product to a generic or store brand version.  While this may take some extra effort on your part to calculate, it is time well spent when the proceeds go to an important cause.

Keep Fuel Costs Low

Paying for gas for a vehicle can be a big hit to one’s budget, especially if you have to pay an additional fee for using a credit or debit card over cash.  If you are looking for an alternative that lets you pay at the pump while also getting a lower price, consider purchasing prepaid gas cards as part of your grocery trip.  Not only can you receive rewards points from the grocery store, you can also get the cash discounted price for fuel while still being able to pay at the pump.  Since you are at the grocery store anyway, it can be a pretty convenient switch that leads to respectable savings.

Demonstrating Faith by Caring for Others

When people think about volunteering opportunities, many traditional ideas come up.  This can include taking the time to work in a soup kitchen, donating clothing to those in need, or simply making a financial donation to a cause.  If you are looking for a way to give back to your community and your church, there are a variety of volunteer activities that may provide a more unique way to be of help, allowing you to fulfill needs that may not be as apparent as those that are better known.

Help the Elderly access Medical Treatment

While many elderly members of our communities require regular medical care, not all of them can easily get themselves to and from their appointments.  While services may exist in your area, they can often seem impersonal and may not be an ideal solution for every person needing help.  In cases like these, volunteering to assist those in need by providing transportation to important appointment, and possibly also developing a beneficial social relationship, can provide a way to support your community in a meaningful way.

Demonstrating Faith by Caring for Others

Help New Mothers with Errands

New mothers may feel lost and overwhelmed by the requirements of parenthood.  By offering support to those who have recently given birth, you can not only lower the amount of stress in their lives, but you can help teach them ways to make daily tasks more manageable as they adjust to their new lifestyle.

Having support for those first few grocery shopping trips or well-baby medical appointments can mean the world to new parents who have never been through this before.  You can even offer transportation if you prepare in the right way.  Find out which baby carrier is best for your needs so that you can provide one automatically, eliminating the need for the new mother to remove theirs from their vehicle and making one task a bit simpler for all involved.

Offer Cleaning Services to the Less Mobile

Whether due to illness, injury, or disability, many members of your church community may struggle to maintain a clean and healthy home.  By offering to assist with any cleaning tasks, you can make sure that their home environment is a positive one, while also limiting their contact with the bacteria that may grow when a home is unclean.

Pet Care Assistance

This can be especially relevant to those with pets, as caring for a pet can become a challenge.  For example, cleaning a litterbox may be difficult to a person in a wheelchair and washing a dog may not be possible for a person with a serious back injury.  Other cleaning tasks that could be offered includes scooping poop in the backyard of a dog owner, cleaning out pet food dishes on a regular basis, and assisting with the application of any medications.

Ask Around for Other Ideas

One of the easiest ways to find an opportunity that can truly benefit your community is to simply ask around.  Whether you inquire through other members of your church, your school, or local non-profits, you can find out what services and support are most required in your area.  This may lead you to consider an option that you would not have thought of otherwise, and you will know that the service you are offering is important to the community.

Top Ways for Christians to Get Better Looking Hair

Being Christian has nothing to do with your personal appearance.  But it sure does not hurt to look good.  The Bible is full of references to beauty and there are plenty of times where fine clothes and jewelry were mentioned.  This indicates that looks have always been important to people and to God.  Taking good care of yourself is good for your personal and spiritual health because if you look good you feel happier and more confident.  One of the best ways to improve your overall look is to improve your hair.  Good looking hair can hide a lot of flaws in your face and can give you a much more vibrant and lively appearance.  Here are some terrific ways to care better for your hair so you will feel better about yourself.

Cure balding with a hair transplant

If God did not want us to use technology to improve our lives then he sure wouldn’t have given us the knowledge to create technology.  Or there would have at least been some specific indications that we are not allowed to use technology.  But God loves it when people use their talents for the good and to improve their lives as well as the lives of others.  If you are balding and feel embarrassed about balding then it is time to fight the baldness by getting a hair transplant.  Hair transplants in Turkey are completely natural because your own hair follicles from the back and side of your head is harvested and relocated to thinning and balding areas.  Because your own hair is being harvested, the new implants have a 95% success rate and due to the more permanent nature of hair on the sides and back of the head, your hair will be permanently restored.  Hair transplants are expensive but definitely worth the effort because you can once again enjoy a full and shy free life.

Top Ways for Christians to Get Better Looking Hair

Take hair supplements

Hair supplements can do a lot for your hair.  Supplements will help slow down balding and greying hair and it will boost your hair follicles so your hair will be much healthier.  The supplements also boost your hair growth so you can enjoy stronger and more beautiful hair.

Change your diet

Eating healthier foods will boost the amount of vitamins and minerals in your body which in return will make your skin and hair look and feel a lot healthier. Eating unhealthy food or irregular meals can actually cause your hair to fall out, break and thin so try to get in as many fruits and veggies as possible so you can enjoy better personal health and better hair.

Use a good quality shampoo and wash less

Lots of shampoos on the market contain a lot of chemicals that can actually be harmful to your skin and hair especially if you wash your hair too much.  Try to find a nourishing shampoo that contains a lot less harmful chemicals so your hair won’t get damaged every time you wash.  Washing your hair less can also help your hair a lot because you won’t be stripping valuable nutrition’s and oils from your hair each and every day which means your hair will be healthier, thicker and might even grow faster.

Legal Issues Single Moms Need to Understand

There are numerous single parents out there, including impressive and captivating ones. Truth be told, more than 33% of every single Canadian mother – 36% – were unmarried in 2011, as indicated by a Census Bureau report discharged a week ago. For youthful mothers 20 to 24, more than 60% were unmarried.

Besides juggling work, kid rising, and an individual life (that is merited!), there are an assortment of legitimate issues that single parents are liable to confront.

Legal Issues Single Moms Need to Understand

Here are the Top 10 lawful issues for single parents to remember:

Physical care. Physical authority figures out where a child will live. It depends on what’s best for the child, and can incorporate components, for example, school area. A court can allow sole or joint physical authority.

Lawful care. Numerous individuals don’t understand that it’s not physical authority, but rather legitimate guardianship that figures out who gets a say in settling on choices for a child. Courts by and large jump at the chance to give folks joint legitimate care, so both folks can toss in their two pennies on Junior’s educating, religious guideline, therapeutic consideration, and past. In any case, you can challenge joint legitimate guardianship in court. Remember you can also opt for emergency housing for single mothers in case the situation calls for it.

Youngster support. Youngster backing is a tremendous issue. Whether you’re attempting to gather bolster or owe bolster, it’s essential to recognize what your rights and obligations are.

Co-parenting arranges. In case you’re a solitary guardian who needs to co-parent with the other guardian, a child rearing arrangement can offer assistance. It can help you both make sense of how to get along. It sets up correspondence, makes a set calendar, and capacities as an approach to manufacture trust with your previous fire.

Paternity. Getting a natural father legitimately perceived is critical to picking up kid authority, kid bolster, legacy, therapeutic history access, and a large group of other lawful rights.

Appearance. On the off chance that one guardian has physical authority, the other guardian can regularly get the privilege to visit the kid. On the off chance that there are security concerns, the guardian who has physical authority can ask for directed appearance, so that the other guardian isn’t left alone with the child.

Universal debate. With the ascent of internet dating, numerous individuals are currently confronting universal care question. Worldwide guardianship debate can get truly precarious in light of the fact that they regularly include two arrangements of laws.

Kid care. Single folks regularly work extends periods of time and the exact opposite thing they need is to stress over how the kiddies are getting along. Search for an authorized and qualified child care supplier who can give your children a fun, sheltered and clean environment. Here’s a connection to a convenient agenda to locate a decent child care supplier close you.

Parental distance disorder. When you’re a solitary guardian, you may feel like you’re continually accomplishing something incorrectly. Try not to think about your child’s hatred too literally. Once in a while, amid a child care question, a youngster can dismiss one guardian due to the next guardian’s castigating. The arrangement? Both folks should be polite and convey.

Dependability and schedule. At the center of the greater part of the lawful tips above is the need to give a kid a stable, supporting environment. Child disregard raises its head in an assortment of ways. The controlling rule in family law is the best advantages of the child. In the wake of a monotonous day at work, it’s not a terrible tenet to convey home to the supper table, as well.

How to bring your child closer to the divine nature

As a parent, the outside world can be a dangerous place for your beloved. However, being cooped up at home and watching television all day will do more harm than good. Why not consider an outdoor trip with your young child to expand their mind and experience our wonderful world created by God?

How to go?

Don’t just jump into the car and drive somewhere without preparation. As fun as outdoor hiking sounds, it might quickly turn into a disaster if you’re not prepared. So the first thing you need is a good hiking baby carrier and baby backpack. You already have a baby carrier you say? Unfortunately, it’s not only dangerous but also completely reckless to endanger your baby’s life. You need proper gear to take your child hiking.

How to bring your child closer to the divine nature

There are a lot of advantages to using a hiking bay carrier. Here are just a few of them:

Safety: In order to withstand rough terrains and long winding hiking trails, these special carriers are designed to be tough! Therefore, they last for a very long time; much more than conventional ones. Other than being extremely sturdy, they are also extremely safe. Most hiking carriers come with extra straps that are positioned for maximum comfort and protection.

Convenience: The carriers are designed not only to be sturdy but also lightweight! For instance, some of the carriers are made of aluminum, which is both strong but also light. This is to ensure that you don’t have to overexert yourself. Some even come fully equipped with various storage compartments and even their own backpack. So you don’t need to carry extra luggage, however it does increase the weight a bit. All you need to take on your trip can be stored easily in these compartments; such as sunscreen, diapers, snacks, water, etc. They are also adjustable so you can fit them easily into your car.

Comfort: Hiking baby carriers have extra soft padding all over to absorb the shock incurred from hiking. They are so comfortable that your baby will sleep through any tough terrain. Most of them come in under $300! Talk about having a bang for your buck!

Where do you go?

Being prepared is just part of the journey; you must also pick a good place for your excursion. There are a couple of things you should keep in mind. Firstly, the weather shouldn’t be too cold, windy, dusty or cold. Otherwise, it will spoil your child’s mood and prevent them from enjoying themselves. Secondly, pick a place that has good scenery, whether it’s a garden, a forest, a waterfall or a cliff overlooking a beautiful sunset. Lastly, make it fun and educational! Make regular stops and teach your child about the nature we have been blessed with. Teach them the names of flora and plants; play games with them along the way or play music. Make regular plans for hiking trips and make sure to have fun, to make the trip unforgettable!

Become a Property Investor So You Can Help Others

As a son or daughter of God, each and every one of us has an obligation towards our fellow man.  We have to help one another, spiritually and physically because that is exactly what God expect from his children.  It can be tough to lend a hand to others when you have hardly enough money to feed your own family and the little bit that you do have to offer hardly ever feels enough to be significant.  The best way for you to help others is to start a sideline business or investment that can help you earn more income so you can perhaps one day fund a not-for-profit organization or make valuable contributions to orphanages and old age homes.

The best side line investment for financial security

There are a lot of options out there that could earn a good income for your future such as starting a sideline business, writing a book, creating artwork in your spare time or investing in stock but the leading and most secure investment you can take is to become a property investor.  Property investors are much more likely to become financially secure or even wealthy because property is an asset that hardly ever fails you when an economic crisis arises.

Become a Property Investor So You Can Help Others

How to learn about property investment

It is important not to suddenly plunge in and buy property left and right.  A good property investment plan requires a lot of skill and knowledge and you will have to have a good and secure long term investment plan or you won’t be able to expand when the need arise.  The best way to find out more about property is by attending property investment seminars in Brisbane.  The seminars are especially composed to teach you all the basics of property investment so you can make the best decisions and find the right markets to invest in.  Here are just a few details that are covered during a seminar that can help you transform from working class to becoming a millionaire’

Expert speakers – Only the best and most successful speakers will educate you on the right steps to take.  The experts usually include property investors, strategists and property research specialists who can give you a good and overall idea of how to start your own investments.

Strategies – Learn how to create the right property investment strategies so you won’t end up in a corner with too many mortgages to handle too soon.

Minimalize risks – There are plenty of risks involved in property and you need to be able to identify these risks before you start investing in property.

Maximize profit – It can be hard to calculate a profitable arrangement between you, your mortgage broker and your lessees.  Learn how to maximize your profit with a few simple techniques so you can pay our debt off much sooner and expand faster.

 Market research – Some of the speakers include market researcher who can give you the latest research on all the best areas in which you should be investing.

How to capitalise on your mom skills by starting up your own blog or website

In this day and age, more and more people are starting their own blog and websites. Some people use them for personal reasons while others use them to help others, while certain people use them as a revenue source. If you are interested in starting your own site for any of these reasons, don’t worry about it being a difficult process of getting started, it has never been easier.

Across the world, children have been able to set up and create their own smart and creative websites; this is how simple the system has become.

As a mother, you will face many challenges on a daily basis that are experienced by millions of other mothers all across the world. You can share your problems with these mothers at the same time as talking about what strategies and methods you have found to be effective and not so effective when it comes to raising your children or looking after your household as a whole.

It is a great way to relax and let off steam if you wish to use your site as a type of journal. Some mothers make extremely good income from running their own websites and you can do the same if you desire to do so.

Here is some advice that will help you in the beginning when starting out a blog or website.

How to capitalise on your mom skills by starting up your own blog or website

Make sure that you use a reputable and consumer friendly hosting company

The first port of call when it comes to setting up a site is to choose a website hosting company. These people will provide you with the platform whereby you set up your site. In the past, you would need to have extensive programming experience in order to set up a website. Otherwise, you would have to employ the services of a programmer who would charge you an arm and a leg for a website.

If you use a great web hosting company, you will have access to a website builder that is simply drag and click. This allows you to quickly design your site in an effective and original manner. Check out this great Wix review, as they are one of the leaders in the industry of web hosting.

Don’t forget about your marketing strategy

While certain mothers will not be worried about getting many viewers to their site, if you are looking to help as many people as possible or you are looking to maximise your income from the website, you need to focus on spreading your message and maximising your exposure.

It does not have to be complicated. In the beginning, you can share the website through your social media channels with your friends, family and colleagues to first get your name out there. As you get more comfortable with the process, you can start to utilise more large scale methods of gaining exposure, such as Search Engine Optimisation (SEO) and paid ads.

Traps to avoid when you are looking for a payday loan during an emergency

Many payday loan lenders have received bad press over the years, with a lot of it being justified.

When you take out a payday loan, it is a short term commitment whereby you need cash due to the occurrence of an emergency or an unexpected event that has happened in your life. This could mean that you need to make an unexpected expenditure in order to resolve or ease the problem.

While this can be a useful form of financing an unexpected expenditure, it is not without its risks. There have always been lenders in the industry that are malicious and deceiving. They will often lend you money at outrageous interest rates and include all kinds of hidden fees and charges. They fee don the lowest of the low.

Often, the people who take out these loans will be in a much worse situation than when they were initially. This is not to say that all payday loan lenders are sneaky and malicious. For the most part, you will deal with reputable and helpful businesses that stay well within the rules and regulations that have been laid out for them by the local body, such as the folks at MoneyProTips.

If you are planning on taking out a payday loan, you need to conduct comprehensive research on every aspect of it. Here are some common traps and pitfalls that you need to avoid, as well as some advice to help you through the process.

Traps to avoid when you are looking for a payday loan during an emergency

Don’t be afraid to ask the lenders for a helping hand

While many lenders give off the impressions of being very hardnosed and unfriendly, the opposite can be the case for a lot of the more reputable lenders. There is often some leeway in terms of negotiating better terms or better length of repayment.

There is no harm in asking for a reduction in the interest rate or a change in the term length of the loan. This will slightly ease your financial situation and allow you to plan and cope a bit better with the whole process. You can even go straight to the people you needs the money for in the first place and arrange alternative arrangements. In some instances, the late fee for not paying the bill is less than the amount of interest you would have to pay on a payday loan.

Always shop around

Just like with anything, such as buying a car, you need to do your research and shop around for a competent and reputable payday loan lender. Some lenders may advertise their rates, while some may not. Don’t be fooled by flashy advertisements, you need to get down into the nit and gritty of the details.

Make sure that you exhaust all of your options before you settle on dealing with a payday loan lender. In some instances, you may be better off simply paying with your credit card and paying that off at the end of the month when you have a bit more cash flow.

Great Tax Tips for Artists

While artists need to spend hour upon hour training and perfecting their craft, it can be easy to lose sight of other important factors when it comes to their work. Taxation is an unfortunate necessity in life, nobody enjoys tax time but everybody has to go through this process.

While it is often advised that you utilise the service of a licensed accountant when it comes to dealing with your taxes, there are a number of simple steps you can take yourself in order to save on your tax bill or obtain some tax refunds.

Great Tax Tips for Artists

It is worth your time looking into this as you will save yourself substantial sums of money over the long run, money which could be spent on developing your skills and even setting up your own gallery. Here are some tips to keep in mind when you are dealing with your taxes.

Ensure That You Thoroughly Keep Up To Date with Your Tax Return Obligations

Even if you are in a loss making position, you still need to file a tax return if you are receiving an income from your work. It is vital that you set up a solid foundation in the beginning, as it will make things a lot less stressful when it comes to tax time as well as minimising the chance of you making a mistake or losing vital information.

The last thing you want to happen is to fall foul of the tax man as a result of not adequately following the tax compliance regulations. You need to keep a detailed record of all your expenses, whether it is transport or equipment. Therefore, you should have a detailed record of the dates, exact amounts along with receipt for each and every expense that you have incurred over the time period. This allows you to make a tax deduction which will save you substantial money.

If you are in a bad position where you are making a loss in your business, you may be in line for a refund on your income tax.

Factor In Any Exposure to Foreign Taxes

Even if you are a resident of only one specific country, you may have to pay certain taxes in other countries as a result of selling items that are tax liable in those regions. Make sure that you know what is required of you when it comes to selling your art in other countries. You may have to register in these regions and follow all of the relevant protocols.

Do You Qualify For An Artist Exemption?

It is worth your while learning about all of the different schemes and exemptions that are available to artists such as yourself. Many countries have these special tax rebates and discounts for those pursuing such artistic forms. Art is a vital part of any culture and it needs to be encouraged in order to keep up with the strong tradition.

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