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Many people enter a job market right after school and jump right into life feet first. Money comes in from a job, then goes right out to liabilities, food, entertainment… all necessities and pleasures in life. This is often called being stuck in a “rat race”. Every month is the same thing… money comes in, money goes out. Once you’re stuck in it, it’s very difficult to get out. But not impossible.

Now, money you make in your job is dependent on your ability to perform a task or function and amount of time put into that task or function. Essentially, it is trading time for money utilizing a learned skill. But this can’t possibly go on forever, can it? What happens when you get too old to perform these same tasks required for a job?

Unfortunately, for some people it goes on for a very long time. And when people who don’t invest in things that will bring in income whether they work or not can’t work any more, they don’t have anything to help them live as comfortably as they are today.

Until most people get into a career job that offers good benefits (including a 401k), money is rarely put toward investments. Money is made and spent as fast as it’s made, giving a person necessities and comforts of life at the time – and then some, but not allowing much for a prosperous future once job income stops.

Everyone at some point in their life must face the reality that a job is not going to give them everything they want or need in life – especially a life after retirement age. Investing is something best figured out early in life.

To understand how important investing is, you must first understand what investing is. An investment is a method of making money from a one-time effort. Sometimes this effort can be intense and take some time, but it can provide income for many years to come without having to put forth that same effort or time.

If you do a bunch of research to buy a house to use as an investment, you only have to do that research one time. Once you buy an investment, it will make money for you with very little effort. If you write a book and put it on a website to sell, you only had to write a book one time and it will make money for as long as it is active on the website or in a book store. If you research a company stock and find a perfect one, investing some money in it, money then starts doing work and making money without you having to do anything.

These are just simple investment examples that do take some effort. The point is that making money from investments is a lot easier than making money at a job if you know what you’re doing. A huge difference between an investment and a job is how much time and effort someone has to put into making money. Cool thing about investing in the stock market (whether it be traditional buy/hold/sell trading, 401k investing, or options) is that you only have to learn how to do it once, keep repeating what you learned, and let each dollar you invest do all of the rest of the work for you so you can enjoy life as it was intended.

Of course there is one HUGE problem that everybody faces before they can invest. Where do you get money to use to make money? When living life in a “rat race”, you eventually get caught up in an impossible circle that is very hard to get out of.

Don’t worry!

You have money… you just don’t know it yet!

There are ways to make a few changes in your life to start building up “capital” for investing – no matter what type of investing you are looking to start. It will be slow at first, but it will definitely morph into something you won’t believe possible.

One way to build up investment capital fairly quickly is opening a “Round Up” Savings Account. This type of capital growing account actually helps you save and build money based on your every day purchases. You attach your checking accounts or credit cards that you spend money on to your Round Up account and for each purchase you make, this account rounds up to the nearest dollar and deposits that rounded up cash into an investment platform that helps your savings grow faster. Not much work, is it? This special investment account does the rest.

For example, if you spent $20.57 on something, it rounds that up to $21.00. The round up, or $0.43, is placed in your account which is divided among several stocks based on account settings.

If you make 50 purchases from your checking account in a month averaging $0.35 a round up, you will save $17.50 in that month. That’s $210.00 in a year saved just by rounding up these purchases.

Money invested in this round up account goes up and down with stock market movement. At 5% gain in a year, it will go up by $10.50 more. And some stocks that your money is invested in earn dividends that are automatically reinvested into your account.

This doesn’t sound like much, but over time, it will continue to grow. This is an investment in itself and can grow pretty fast if you are consistently adding to it. If you have extra money you’d like to save during a month, you can also make deposits to apply them to your account to grow your account even faster.

A Round Up Savings Account is simply a stepping stone to get you to a higher level of investing, which can be a stock trading, option trading, a retirement investment account, real estate, or anything else you can invest that money in to make more money.

Once you build up some good investment capital in your Round Up account, you can withdraw it whenever you want and use it to purchase assets (things that earn you money – unlike liabilities) or to invest in stocks to make even more money over time.

If you’re looking to work from home you have many choices. There is no shortage of people willing to take your money in return for a home-based business opportunity. How do you know which opportunities are legitimate businesses and of those which one is right for you. Before you decide if the business opportunity is right for you here some things you should look at.•The company
What is their track record, how long have they been in business, what is their standing with the Better Business Bureau?•The product or service
Is this something people want or need, will you have competition, is it priced competitively•Support and training
Are you completely on your own or will there be people and resources to help train and guide you•Cost
Is the product or service priced competitively, is the cost of starting the business affordable for you and others•Compensation plan
Is the compensation plan fair, understandable, and most of all can you make moneyWhen researching the company check with the Better Business Bureau. If a company has no complaints that are no guaranteeing that they are a reputable company. Likewise, one or two complaints does not necessarily mean the company is bad. It’s just one more little bit of information. Remember anyone on the web can write about a company in a positive or negative manner, so you need to do more than just read anonymous opinions. It is best if you can talk to a person that you know and trust that has first-hand knowledge of the company. The key here is to be thorough and take your time; you should not feel rushed or pressured into making a decision.When deciding whether to start a home-based business the product or service is very important. There is a difference between wanting something and needing something. If what you’re selling is needed by many people you have a much bigger market in which to sell and are more likely to be successful. The price of the product must be competitive. Some network marketing companies claim their products are a higher quality than similar products available in stores. And because of this their prices are a little higher. Even if their claims are true and their products have better ingredients you’re now at a disadvantage in competing for the sale. Another important factor is convenience. Not everyone wants to shop a month in advance for house daily household products. Or have to fill out paperwork, or have a small window of time in which they have to pick up their products. The process must be fast easy and fit into their busy schedules.The company must provide support and training. The training should be ongoing, and you should have a mentor or person that has an interest in helping you succeed. They should provide websites and conference calls as training aids as well as one-on-one conversations with your mentor. Think of them as your business partner. They are there to help you but remember it is up to you to ask for help. The lack of a large paragraph here on training and sport should not indicate that it is not very important. In fact it is very important. The chances of you succeeding all on your own without any help or training are very low.We have already talked about the cost of the product. It must be competitive! But the cost of starting and maintaining the business is important also. Does the price make sense to you, will others be able to afford it. The price range for home-based businesses range from just a few dollars to several thousand dollars. Only you know what is right for you. Just remember in order for you to be successful presenting this to others you must believe that the opportunity is a good one and that includes the price.There are many different types of compensation plans. A few of the different types are unit level plans, forced matrix plans and binary plans. I am not going to go into detail of the different plans here, but you should know there are several out there and they differ greatly. If you are seriously considering starting a home-based business you should research that company’s specific compensation plan. If someone introduced you to a business they should give you specific detailed information about the compensation plan. It should also be on the company’s website, explained in detail and understandable.There are many different home-based businesses out there and if you look hard enough you could find several people in each one that are very successful. But the bottom line is can you be successful? Is this the right business for you? Why do some people succeed in a particular business while others fail? Of course there are many reasons for this, communication skills, work ethic, financial resources and desire to name a few. I believe one of the most important factors if not the most important is your belief in the company and its product or service. It is very difficult to sell or promote your product if you believe it is overpriced, not needed or of poor quality. The same is true for the business side of it, if you don’t believe in the company or are unwilling to do what is necessary to build your business, you will have a very difficult time convincing others to do what you are unwilling to do.I believe if you find a solid company with a product you believe in that is priced competitively there’s no reason you can’t be successful. Network Marketing has received some bad press over the years and to many people it has a bad reputation. Don’t misunderstand me there have been some less than truthful companies over the years. But the Network Marketing business model is a legitimate one. Personally I like companies with very few restrictions and a lot of freedom. One example of this is a company that does not require you to bring new people into the business. Of course it is always an option but you are not required to do so. In other words you could choose to market the product or service and make a nice income without recruiting others. Some companies don’t allow this, they require you to promote the product and recruit others into the business in order to make an income. I like knowing that I can make an income from marketing the product without recruiting. This is very important to me because this makes the business legitimate. The product is real. People want it because it benefits them. It has value. Otherwise you are just in the business of recruiting people. You get two people to join who get two people and so and so on. That’s not a real business. The foundation must be a product or service that has value to people.I think this option also makes it more appealing to others.So take your time and do the research. Find a good company with a great product and join those who supplement their income working part- time from home.

The easiest way to make money in real estate is with emerging market real estate investing. With this type of investing you buy in a market that is about to start appreciating and you hold the property until it comes time to sell. It’s very simple, you make your money off the appreciation of the home (and hopefully some cash flow as well).

Let me go into a little more detail. To begin with you need to identify the proper market for emerging market real estate investing. You do this with real estate timing. You analyze real estate markets to see which ones are going up and which ones are going down. That’s no easy trick. The best way to do that is with a service that provides you the tools you need to do it. You want to analyze different markets and choose the ones that have the criteria you are looking for. Good criteria are things like solid population growth, strong employment or a desirable location. Maybe a new industry is coming to the area that is going to fuel a population boom. Maybe it’s a “newly found” resort destination.

Once you identify the general area, with the proper real estate timing, you need to find where in the location you want to buy your real estate investments. Every city, town, large metropolis, etc. has more desirable locations and less desirable locations. Obviously the more desirable locations will cost more to buy than the less desirable locations. If you buy in the best area you are going to pay the highest price and will have a whole lot harder time making it cash flow. If you buy in the less desirable areas it’s easier to cash flow but the homes won’t appreciate as well when the market takes off.

I’ve found it’s better to invest in the up and coming neighborhoods, they aren’t as expensive yet but are starting to become more desirable. Up and coming neighborhoods have good amenities but may not be as well established as the most desirable areas. What types of amenities are we talking about? It depends on who is going to live in the area. If it’s young professionals you’ll want close proximity to restaurants, nightclubs and other entertainment. These people like to get out and do stuff. If it’s a family-oriented area you want good schools, playgrounds, parks and low crime.

Let’s review the steps so far:

1. We want to choose our emerging market for our real estate investing – we do this with real estate timing
2. Through real estate market analysis we choose the real estate market we want to invest in
3. We decide where in the market we want to invest – it’s best to focus on up and coming neighborhoods

The next step is to select a property to buy. Most people think that emerging market real estate investing means you have to pay full price for a property in a rapidly appreciating market and carry massive negative cash flow. NOT TRUE! True emerging market investing means you buy BEFORE the market takes off. You are buying when most people are selling and the market is down but about to turn. This means that there are LOTS of deals out there. You don’t want to pay full price – you want a deal. Make multiple offers on multiple properties and negotiate strongly. It’s a buyer’s market. Not only that but you also want to look for value options. Value options are things like the only home in the neighborhood without a garage, but you can build one. The kitchen and baths haven’t been updated in 30 years – so it’s time to remodel. The house is ugly and has no curb appeal – nothing that a landscaper can’t fix. In a down market most people won’t put money in home improvements because the return isn’t there. But if you buy at the end of a down market and put money in improvements you are going to see a return when the market shifts. Remember in emerging market real estate investing you want to focus on buying deals.