1. Internet Earning Opportunities

If the web were around when I was younger, I would have spent so much time on this next way to make money. Internet earning revolves around completing digital offers, sharing offers with friends, testing website, watching videos, using smartphone apps, completing surveys, and clipping and using coupon

While you’re not going to get rich completing digital offers, it is an excellent way to get some cash coming in and to supplement your other money making efforts. While I could write a post just on internet earning opportunities, here are just a few to check out.

CashCrate is an online platform where you can start earning money by completing offers, taking surveys, watching videos, and shopping online using their site. Tasks pay out anywhere from a few cents to $30.00 or more. You’ll also receive $1 for just signing up for an account. Payments are made via check or PayPal.

FusionCash is an online platform that allows you to make money from taking surveys, watching videos, shopping online, completing short tasks and lots more. Sign up and immediately earn $5.00 for joining. Most offers pay between .25 to $30 per offer, and payments are made via PayPal, check, or direct deposit once your account reaches a $25 threshold. Some offers do require a credit card number, so if you don’t feel comfortable giving out that information, just stick to the offers which display the No CC icon. Fusion Cash is a member of the Better Business Bureau.

Be sure to read our full review of FusionCash here.

InboxDollars allows you can earn cash for surveys, reading emails, playing games, redeeming coupons, searching the web and shopping online. Membership is free, and you’ll receive $5.00 for signing up. Payments are made via check. InboxDollars which is part of CotterWeb Enterprises, Inc. has an A+ rating with the Better Business Bureau.

Be sure to check out our full review on InboxDollars here

Swagbucks is an online platform where you can earn points called SB, which can be redeemed for gift cards and coupons. You can easily earn SB points by watching videos, playing games, answering questions, shopping online, and even surfing the web using their toolbar. Refer your friends, and you’ll earn even more SB points. Your SB points can be traded in for gift cards from Amazon, Target, Starbucks, PayPal, and Walmart. Swagbucks also gives you a $5 bonus for signing up! Swagbucks which is part of Prodege, LLC has an A rating with the Better Business Bureau.

Getting Started In Property With Buy To Let

When I started out in property, I was looking at buy-to-lets.

When you are investing in buy-to-lets, in the right area, you are looking at a slow but steady property growth.

Because of that I was more focussed on rental yield, discount and cash flow.

Now, the buy-to-let strategy can work very well, but there are problems associated with it. For instance…

Below Market Value Property

As I mentioned, capital growth on buy-to-lets, in the right areas, is slow and steady.

This can be a problem.

If all your funds are tied up in your investments, then growing your business quickly will be very difficult. This is because you will have to wait a long time before you are able to sell your property at a profit.

When you are investing in property, having an exit strategy, is key.

One option would be to go through a refurbishment process and add value to the property that way.

Another option is to make sure that you only ever buy buy-to-lets at a decent discount. That is to say, you make sure that you only buy property at below market value or at less than you are sure you can sell for, immediately.

You should always hold some equity tied up in the deal.

But, you need to be careful here. Securing properties at below market value is important but, in the long term, your rental yield is going to be much more vital.

The trick is to always try and close your deals at a number that is below market value. But, don’t focus on this element to the exclusion of all else.

Remember, a great discount on a house you can’t find tenants for or can’t sell, will sink you as fast as any other bad investment.

What I was focussed on was the potential for capital growth and on securing the property at below market value.

I didn’t have contacts in the area who could tell me if it was a good or bad street or a good or bad postcode.

From working as an estate agent I thought I had picked up a few fundamental skills but the reality was they fell short of the mark. Whereas I knew the area I had worked in as an agent very well, I found that in a new area I was flying blind to a much greater degree than I had anticipated.

As long as you’re processing under 200 transactions and $7,000 cash deposits per month, Popular Bank’s starter business checking account truly lives up to its promise of being totally free.You’ll see no monthly fee and no minimum balance—and when you do hit that $7,000 month, the folks at Popular Bank make it quick and easy to upgrade to next account level, equally tailored to your business’s level of growth. The only problem is that you must visit a branch to open your account, and branches are located only in New York and Florida.

Best for Established Businesses

If your small business is rapidly expanding, then you might have already outgrown some of the low-balance accounts listed above. Established small businesses who have more cash on hand, and routinely process over $10,000 in monthly deposits, should look to accounts tailored for medium-sized and larger businesses.At first glance, the $18 monthly fee on Bank of America’s Business Fundamentals account might seem a little high. But keep in mind that the bank waives this fee if you maintain a minimum daily balance of at least $3,000, or an average monthly balance of $5,000. For quickly growing businesses, those minimums shouldn’t be such a stretch to hit.If you process a high number of transactions or a high dollar value of deposits, be prepared to pay a cash handling fee of $0.30 per $100 over the first $7,500 in cash deposits, as well as a fee of $0.45 for each transaction after the first 200.Many business owners find Bank of America particularly user friendly for online banking, so the minor costs may be worthwhile. Bank of American even enrolls cardholders in a Business Advantage Relationship Rewards, which works similarly to credit cards that earn rewards points for spending.

The problem is that so-called “free” business checking accounts aren’t completely free. Banks charge for certain services, and without choosing carefully, you can get hit with a myriad of fees month after month. These fees are small, but over time, they can add up to a big dent in your bottom line. If you choose wisely, though, you can find a checking account with features that help you better manage your business’s cash flow.

To help you shop around, we compiled a list of all the free business checking accounts and their standout features. Business checking accounts vary a lot in terms of fees, available services, and policies. Use this as a starting point for your best checking account option.

• How can entrepreneurs protect their personal wealth?

  • 70% of business start-ups are registered as one-person businesses (and the owners of three quarters of those are classified as auto-entrepreneurs), while 30% of start-ups are registered as companies (most often as SARLs or private limited companies). In these circumstances the issue of how to protect one's personal assets is of great importance. Entrepreneurs who carry on their activity as a one-person business have a single set of assets which includes their professional and their personal assets without distinction.
  • In the event of poor business or bankruptcy, auto-entrepreneurs, members of the accredited professions, artisans, traders and farmers have to meet their professional commitments out of all their assets (both professional and personal).
  • It may be possible to get round this by signing a declaration of exemption from attachment, drafted by a notaire. With such a declaration, built and undeveloped land that is owned by the contractor but not used for its professional use (whether it is property, common property or even undivided property) becomes unseizable; That is to say they can no longer be seized (real estate, land, etc.). This exemption applies, however, only to professional creditors and only to debts arising after the publication of the declaration.
    It should be noted that since the Macron law of August 6, 2015, the main residence of individual entrepreneurs is automatically rendered unseizable, without any particular procedure being required.

• How can the entrepreneur's spouse be protected?

  • Most couples hold their matrimonial assets under the French scheme known as the community of property ("communauté réduite aux acquêts). This statutory scheme is allocated by default to couples who do not sign any marriage contract. It is perfectly suitable for young couples who marry before they have built up any assets. However, in order to take account of changes in their situation, the law authorises them to change their matrimonial property regime after two years of marriage (which should be repealed in the first half of 2017), when the regime that they chose initially is no longer suitable. This will apply, for example, if one of them sets up a company.
  • A property regime in which all the property is owned separately is often preferable in order to protect the family assets, facilitate the management of the company and ensure the continued existence of the means of production in the event of the couple separating. However, it may also appear to be a source of imbalance and injustice. The spouse who does not have a professional activity may be totally deprived of all assets in the event of separation or the death of the entrepreneur.
  • You should discuss this question with your notaire in order to understand the impact of your choices and assess the appropriateness of changing your matrimonial regime .

The good news

The bad news

So, if you can access cash, is this a good time to invest?