What is Home Downsizing?

Exactly what does the term “Home Downsizing” mean? Most likely it will mean different things to different people. Some definitions we have seen include:

Selling off excess personal property in order to make more room.
Moving into a smaller, more manageable home.
Cashing in on personal property investment
Reducing the mortgage payment and living expenses.

Perhaps the simplest definition of Home Downsizing is “Making do with less”. It means shedding off all of the excess baggage that you have in your life including expenses, personal property, collections, or junk…and living a simpler, less complicated life.

If you are considering a major downsizing or move in the near future, you’re not alone. In fact, a significant portion of Americans 50-75+ are downsizing today. And why not? More than likely one or more of the following statements will apply to you:

Your children are grown and gone.
Your home has become an empty nest.
You are retired, or getting ready to retire.
You are ready to move nearer, or to live with, your children.
You live in a home larger than you now need.
The housework and yard are becoming too difficult to maintain.
You are simply tired of the house and yard work and would prefer to spend your free time doing something else, such as traveling.
Increased taxes and carrying costs are just becoming too much of a burden.
You’ve lost a spouse or partner and are now living alone.
You are ready to move to your shore house, mountain home, lake house, or otherwise smaller dream house.
You would prefer to live in a year-round warmer climate.
You are ready to tap into the home equity you have built up.

The reasons for downsizing are many. Each person’s life tells a different story, but many of us have reached the same point in our lives. What we are seeing is the “Grayification” of America, and an entire generation who is getting older, who is ready to downsize, and who is ready to move on to their next phase in life.

Consider this:

Between 2010-2030 the number of Americans age 65+ will more than double to 70,000,000. (Delaware Valley Regional Planning Council).
In Philadelphia alone 1-in-5 Philadelphians will be 65+ by 2025 (same source).

Never lose sight of the fact that “Downsizing” is usually about the money. When a business “Downsizes”, it lays off staff in order to reduce expenses. It divests itself of resources no longer needed and it cuts the fat, all in an attempt to increase operating efficiency.

“Home Downsizing” is no different. When you “Downsize” your home, you are basically seeking to reduce expenses, divest yourself of resources no longer needed, and cut the fat, all in order to increase your household’s operating efficiency.

The ultimate objective of Home Downsizing for many is to increase the operating efficiency in your life, thereby giving you more money, with less work, and more time to do the things that you want to do.

Home Downsizing Tips & Strategies

Home Downsizing means different things to different people. What does it mean to you? What are three things that you would like to accomplish once your Home Downsizing phase is complete?

1. ___________________________________________________________
2. _____________________________________________________________
3. _____________________________________________________________

Home Downsizing is similar to Business Downsizing in that its objective is to increase operating efficiency by cutting expense. Home Downsizing is usually about he money. How much can you save by downsizing your home?

Michael Ivankovich is a Home Downsizing Consultant based in Doylestown Bucks County PA. He is a licensed & bonded PA Auctioneer, a USPAP certified Appraiser, and is both a Graduate and Master Personal Property Appraiser (GPPA, MPPA). His specializes in helping people to downsize their homes. He is also author of the book Home Downsizing in Four Easy Steps which is available for immediate download at: [http://www.HomeDownsizing4EasySteps.com]

You can visit his Home Downsizing Blog on his web site: [http://www.HomeDownsizingConsultants.com]

Need a speaker for your group? You can reach him at (215)-345-6094 or info@michaelivankovich.com.

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Home Based Business – 12 Ergonomic Tips For Your Computer Workstation

When working from your home office you may have a tendency not to take as many breaks as if you were in a traditional office. You may find yourself working for hours before getting up from your chair, as the interruptions are normally fewer to distract you. Because of this it is critical that you take care of yourself – and arm yourself with the basic ergonomics to prevent or at least minimize any physical strain due to computer work.

Here are 12 tips for setting up an ergonomic computer workstation:

1. Use a good chair with a dynamic chair back and seat pan. Sit back and use it instead of leaning forward

2. Position the top of monitor casing 2-3″ (5-8 cm) above eye level

3. Use a no glare screen, and an optical glass anti-glare filter where needed

4. Sit at arms length from the monitor

5. Place your feet on floor or stable footrest

6. Use a document holder, preferably in-line with the computer screen

7. Keep wrists flat and straight in relation to forearms to use keyboard/mouse/input device

8. Your arms and elbows should be relaxed and close to body

9. Center your monitor and keyboard in front of you so you are not turning to use them

10. Use a negative tilt keyboard tray with an upper mouse platform or downward tiltable platform adjacent to the keyboard for best wrist angle

11. Use a stable work surface and stable (no bounce) keyboard tray

12. Take frequent short breaks (microbreaks)

Ideal typing posture: Negative slope keyboard support

In the ideal typing posture both static and dynamic muscle loads are minimized. This posture is achieved when the keyboard is below seated elbow height and the keyboard base is gently sloped away from the user so that the key tops are accessible to the hands in a neutral posture. In this position the arms, shoulders, neck and back can relax, especially during brief rest pauses. Also, in this slightly reclined sitting position the low back rests against the lumbar support of the chair, the elbow angle is opened to promote circulation to the lower arm and hand, the abdominal angle, and the popliteal angle (behind the knees) are opened to promote blood circulation. The feet rest firmly upon the floor.

Problem postures:

Desk top keyboard – Typing at a keyboard on a desk is a common work posture for many computer users. In this position it is difficult to maintain the wrist is in a neutral posture, because the forearms sag as they tire and this puts the wrists into greater wrist extension. Also, most users have to work with their elbows flexed, which can compress the median and ulnar nerves at the elbow and restrict blood flow to the hands. Working with the forearms sloping up increase muscle loads in the upper arms, shoulders, and neck. Working in this position for more than 3-4 hours invariably leads to muscle fatigue.

Conventional keyboard tray – Typing at a keyboard on a conventional articulating keyboard tray can increase postural problems for users. Working with the keyboard more steeply angled on the tray is a common work posture for many computer users. In this position it is also difficult to maintain the wrist is in a neutral posture, because the forearms sag as they tire and this puts the wrists into greater wrist extension. Studies have failed to show that conventional keyboard trays substantially improve wrist posture.

Of course there are other ergonomic factors as well such as proper lighting, ventilation, mouse use, furniture heights and styles, plus phone equipment to name a few. Be sure to research what will be best for your specific situation and budget. Take care of your body now and it will take care of you in the future.

Janet Giacoma is a long-time home business [http://www.TheAbundantAlliance.com] marketer with plenty of work from home tips and information on her home business blog [http://www.TheAbundantAllianceBlog.com]. Come visit!

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Work From Home Jobs For Mothers

Mothers have different stands and personal views about working at home. Some moms rather be in the work place while others say that being a stay at home mom is one of the most fulfilling and rewarding jobs any mother could ask for. Despite differences in views and opinions, it can’t be denied that working at home has now become a more popular and preferred option. Stay at home moms can now help with family finances and earn more without actually leaving the house.

There are many different jobs for stay at home moms that can surely help them attain financial freedom and can boost their self-confidence and self-worth. The following are great jobs for stay at home mom that guarantees a steady flow of income:

Network Marketing

This is also one of the most financially promising jobs for work at home moms. Network marketing is commonly referred to as Multi-level marketing. Even if you are a mother who are not completely familiar with network marketing, you probably have come in contact with some network marketers or used products offered by network marketing companies. If you want to earn money from home, you might consider being a network marketer and earn a good income. The first opportunity is through product sales where you get a percentage of the commission for every successful sale.

Online Surveys

Nowadays, there are countless options for mothers who prefer to work at home. Online surveys are actually one of the best and legitimate jobs for work at home moms that can surely deliver a good income stream. Online surveys are great ways to bring in more income from home. Online surveys are approved and legit and is a fun and easy way to make money at home. If you are a mother looking for new ways of adding additional funds to the family budget, online surveys are highly considerable options. All you need is a personal computer and a reliable internet connection, however; online surveys can now also be taken on smartphones with the aid of today’s latest technology.


Blogging is also a popular method of earning income at home. This is in fact a popular job for stay at home moms. Blogs generally get thousands of hits or even more per month depending on how popular your blog actually is. That means thousands of individuals interested in what you really have to say. You can write blogs at home and earn big. You can write something about products or services that you have tried and enjoyed and then include affiliate links. When someone clicks on the link and make a purchase you get your commissions.

These are just a few of the many ideal jobs for stay at home moms that mothers can try. Along with wanting to work from home, moms should also keep in mind that it also pays to choose jobs that they are passionate or enthusiastic about. It is important that you earn money while doing what you love.

Mothers Who Work From Home Needs A Reliable Long Term Job.

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Work At Home – 4 Tips For Setting Up Your Home Office

Work At Home Office Tip #1 – Make your space your own.

If you are going to take onboard all the pros and cons of working at home, you may as well make your office a place you like hanging out right? So where possible keep the things you love to see surrounding yourself. This will generally keep your mood up, and make sure you are in a happy and positive mindset. Some simple examples of this: Family photos and pictures; Pictures of places you wish to travel too; Your favourite picture calendar, hanging on the wall. Fresh flowers in the home office are my personal favourite.

Work At Home Office Tip#2 – Keep your space super tidy and organized.

If you’re anything like me, you find it hard to be productive and focused on the task ahead when there is random paperwork all over your desk, and knick knacks lying here and there. So take the time to visit Ikea and your local stationary shop, and pick out some fantastic office storage and organizing products. Not only are a lot of them visually pleasing on the eye, but they keep everything meticulously organized and close at hand. You never have to worry about where you keep that elusive red pen or if that form you needed to fax off is hiding again.

Work At Home Office Tip#3 – Listen to the music baby.

What is the soundtrack to your life? That one song that psyches you up. The music that puts you in a great mood, no matter how you were feeling before? The power of good music can’t be denied. With this in mind, keep music that motivates you playing as you go about your tasks. It’s sure to help keep your focus as sharp as a laser and help keep your eye on the prize as you move through your daily tasks. One great idea is to put together a playlist in iTunes of all your favour motivational music, and let that shuffle throughout the day. Slowly build it up over time and working to your new soundtrack will be a pleasure.

Work At Home Office Tip#4 – Time management list.

I like to keep a one page to a day diary next to me at all times. On it I make a list of the things I want to do for the day and log the start and finish time for each one. Doing this I’m able to look back on what I’ve done, where I have been productive, and pushes me to improve and find out where I might be losing time and focus. Simple to implement, but it makes a world of difference. I urge you to try it out.

I hope these tips have rubbed off and given you some fresh insights as to how you can make working at home more enjoyable. If you are interested in other cool tips and tricks for work from home warriors, be sure to check out our work at home blog.

Sarah Elson is the owner and operator of Work At Home Mum Australia – [http://www.workathomemum.com.au]. A website dedicated to providing reliable and relevant information to women looking to work from home [http://www.workathomemum.com.au].

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2 Work at Home Online Opportunities That Cost Very Little Or No Money Out of Pocket

For the cost of a cheap date, you could you start your own online business. If you are researching work at home online opportunities, I want to give you a few ideas that cost very little or no money at all. You really can work at home online for very little out of pocket money or free, if you choose to do so.

1. Start a blog with the world’s largest search engine. Did you know that Google also owns a blogging platform that you can set up for free? Go to blogger.com and start a blog of your own in 3 easy steps. Google also offers tutorials on how to set up your blog to get it ready to make money. If you want to own your own domain name, you can get one for under $10.00 and have it hosted at one of the many hosting companies for less than $10.00, as well.

One thing you certainly want to do is join the Google AdSense affiliate program as it is very simple to place ads on your blog. It is free to join and Google will provide advertisers based on a script that your blog brings up and every time someone clicks on one of these ads you make money.

This may not sound like a big deal but you need to understand there are people learning six and seven figure incomes doing nothing but setting up niche blogs, adding content, and monetizing it with a Google AdSense.

Adding blog content is not something that needs to be difficult either. You can learn how to easily write blog articles if you choose to. You can also learn how to add content to your blog created by other people. This could include blog articles, videos, audio, and so on.

2. Other work at home online opportunities include providing a service that Internet business owner’s need. Let me give you an example of one thing that is in high demand right now. We mention starting a blog and there is a new blog started somewhere in the world every second now. However sadly there are millions of blogs that are sitting dormant because the owners do not have time to keep them up.

This presents a tremendous opportunity for you to work at home online not only for free, but where you will get paid instead. Blog owners will pay you to write content for their blog. You can write 200 to 300 word articles in 10-15 minutes and earn five dollars for every one you write. This can work out to 20 or $30 an hour sitting at home being a blog writer. Over time you can develop a consistent customer base and earn a full time income working at home online for yourself.

In conclusion, I’ve listed two work at home online opportunities that you could start with very little money or better yet, free. There are many other ways, but the point is, where else in the world can you start a legitimate business for free or with so little money out of pocket?

Author Mirza Korach is dedicated to helping people avoid being scammed when looking for work at home online opportunities [http://www.financial-freedom101.com/learn-how-blogging-for-money-can-build-you-a-full-time-income.html#more-993].

If you want to find exciting and profitable work at home online opportunities [http://www.financial-freedom101.com/learn-how-blogging-for-money-can-build-you-a-full-time-income.html#more-993] where you can start building a full time passive income, visit Financial-Freedom101.com today!

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