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passive income, blog, learning finances

How To Build Passive Income with a Blog

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How to Build Passive Income with a Blog

The saying is strong, “it takes money to make money”. But in 2019, this has been proven to not be the case. I grew up with many of my friends starting up businesses and purchasing properties but none of them actually took the time to invest directly into building up their own virtual assets which are crazy. You can easily build up a virtual asset and build up to 1k a month after just a few years. If you were to attempt to do this with rental property, how much money would you need in order to profit an average of 1k a month? You will have a mortgage, repairs, insurance and taxes. Plus make sure that you are managing those renters and they aren’t going to skip out on paying.

Virtual Asset Benefits

Virtual assets are very powerful and can lead to a great form of passive income if you choose to invest time in those assets. These assets too often fail because people stop investing time into these things. Instead, those same people will go out and accept payment by the hour until they may have enough to invest into one asset that possibly falls on them. Do not limit yourself. You can build these assets in your free time and still sustain your business.

Creating a blog about something you love could get you a decent passive income for a hobby you enjoy. It doesn’t have to be hard work. Also, you don’t have to fork money over for parts of your investment breaking every so often. These types of assets include mobile apps, games, or my favorite, the blog sites. Starting up a blog site is easy cheap. We will go over the steps in order to build your site.

The initial investment

The first thing you are thinking is websites are expensive but if you are just build up a basic blog site, the building is so simple that even a caveman can do it. Using a platform like WordPress, you can easily put together a site in seconds. More people spend time attempting to think of a blog name than they do to create the actual site. Most likely, you will purchase a domain name for just 12.99 a year and pay no more than $150.00 a year in hosting or prices around $12.50 a month. Since these are blog sites, you do not need overpriced hosting plans. You can also pay for these plans monthly which means you can start blogging on your site for just $30 bucks up front.

Picking a subject

First, you need to pick a topic. As said before, picking a name is the most difficult step in starting up your blog site. But how do you pick a name? Simple! Do not over think it and keep it simple. You want to pick a short domain name that is easy to share verbally with a potential fan. If you like cars, then write about cars. If you start studying investments, then start writing up about your current investment readings. Particularly, you will want to start a blog on something you enjoy. Remember that you do not need the whole internet to use your site, just a small audience in comparison will bring you wealth.

Building up the investment

Once you have completed the initial basic website build, which is super easy with all the DIY tools you can find here or even YouTube, you just have to start writing up content. You don’t have to worry about a structure of content, just write about the subjects that pop into your head. For example, if you are writing unique content based on cars, write about the uprising of the 4-cylinder muscle cars. If you like plants and it is winter time, write about starting up the garden in your winter season.

Once you complete one article about your garden in the Winter season, you can easily expect to come up with additional writings like summer garden tips or spring beginnings. The sky is your limit unless you are an astronomer, then you have a little bit more ground to cover. (excuse the pun)

The content shouldn’t even be written with advanced vocabulary. They say to write just like a 12-year-old and to make it simple and easy for readers to understand. Advanced writers tend to have lower SEO(search engine optimization, AKA, getting found on google) scores because readers and search engines struggle with understanding the content on their sites.

Sharing the content

Next, you will want to share your content with others. Let’s be honest here, sharing content today is super easy in comparison to back in the old days when you had to pay just to get your content published. You can find blog groups, blog sites, social media and much more. You can start up your own Facebook page and start building up an audience that you can easily see analytics about and find out what you need to do in order to grow your reputation up. There is no limit to your exposure. This is the same as a Vlog or a Blog.

Monetizing your content

Once you have built up your content, as in, as low as just 10 articles, you can easily get your site monetized. You can use Google AdSense which is consistency, but doesn’t pay nearly as well as the competitors. Your site will pay you back based on your visitors. Share those articles with ads on the pages to all the resources mentioned above over and over. You will start building up additional audiances that will keep coming back or accidently just find you on the internet.

Stick with it

If you stick to these basic formulas, you will in no time build up an audience. The two reasons people fail is because they either do not post consistent content or they do not build up an audience. If you have 300k, go ahead and purchase a headache of properties or start up a business. But if you want to start up a virtual asset that can grow without a large investment, go for it. You are simply just adding to your hobby with the ability to benefit from it. If you are already reading up on makeup, write about it. Do not worry if your site looks perfect or not. Craigslist and Reddit are great examples that your site doesn’t have to look flashy or advanced. If you put up the content, readers will follow.

How about the numbers?

Numbers do change based on the industry but unlike other sites, I have decided to put together an estimate based on multiple results across the internet to give you a virual understanding. First off, you can link your website to google analytics, use google adsense or simply use the Wordpress app on your phone to track your traffic.

In going off of the easy equation of every 1k visitors, not views, would be around 1 dollar. Of course, the same visitors can click additional ads on your site and bring in more traffic. But just for simplicity sake, you can almost expect to make 1 dollar. But these same results, depending on your ads can bring in even 4 dollars per 1000 visitors giving you 200 a month. At this point, you can even add additional funnels of income like affiliate marketing and private sales but that will be for another article.

Well what are you waiting for?

Get out there and start blogging. You do not need a website to start writing up your own private content. Start posting up articles on your OneDrive or Google Drive now and start building your virtual assets for tomorrow. Blogging really is a fun way to create a passive income out of something you love. Yes, it takes time, but if you focus on things you enjoy, you really can’t go wrong.

start investing small

How to Start Investing Small in 2019

How to start investing the small way in 2019

Do you want to start building up your wealth? Want your money to not sit in a savings account and lose value due to inflation? Here is a handy little guide on how to build up financial wealth and start owning assets today that can start making you money. This is not a get rich quick guide and in no way will get you retired before the end of the year. This guide will assist you in how to start investing small and learn the basics to simple investing.

Everyone says that they do not have a lot of money to start investing with and that is fine. Even though some people who say that are investing 7 bucks a day into a coffee or 600 bucks a month into a brand-new car. The money is just not there. There are of course other people who just simply do not have a lot of means for investing and that is understandable too. The point is to draw the line and understand that if you can cut things out to invest more money, do it and if you don’t have a lot of money to invest, start with what you got.

Investing can be simple or complex. Chances are that you will not have a lot of time to throw into understanding your portfolio and you will be forced to either pay an investor fees to manage your money or you can do it on your own. With the uprising of apps like Robinhood and Webull to just name a few, you can start investing right away. For this example, we will use Robinhood due to their instant deposit policy and great interface for basic learning.

Step 1. Make a budget and stick to it.

Reading here, we go over just simply put together a budget and stick to paying yourself first and then your bills. Do not be late on your bills but make a budget and see how much you can afford to invest.

Step 2. Install Robinhood on your phone (you can use this app or any other app that fits your budget)

As stated, we are choosing Robinhood due to simplicity, ease of access, instant deposit and even their reputation of no fees. You can afford to purchase 1 share of a stock trading for 10 dollars and not have to pay out 5.99 commission fee. In the old days, you couldn’t afford this due to the extra over head but today, you can buy stock and pay no additional fees.

Step 3. Pick yourself out some stocks that you trust or stick to ETFs.

If you want to start investing, pick out some companies that you feel have the best odds of sticking around. Investing into the stock market has really become regulated gambling with higher odds if you are a long-term trader. Do not go into these investments worried about day trading, swing trading or penny stocks. Put your money where you are comfortable with.

If you do not know how to find your own stocks, you can purchase ETFs that are basically like mutual funds. Many of them will grow or just stay around the same dollar amount while pitching out dividends. Some pay even monthly which can help you build up a monthly income that you can see and understand. Of course, stocks can be exactly the same way so build up based on what you are comfortable with. People like ETFs because it is a group of stocks and not a possible one point of failure.

Step 4. Put the phone down and walk away.

There will be ups and downs when it comes to your investments. If you sell because you panicked, you will most likely lose money. The average return after 50 years on stocks is still positive. Meaning, just because the market goes down, doesn’t mean it will stay down. The rich get richer because they buy when everyone is selling and the poor get poorer because they give up their stocks at low prices. This investment needs to stay packed away and not be money that you need tomorrow. Good things do come to those who wait.

Step 5. After the growth, live free

Do you want to only depend on a 401k that you can’t pull out till they say you are old enough? Or do you want to depend on a pension funded by a debt that the government can’t promise will be there in the next 20 years possibly? Build your own future and do not depend on the wealth of others. A strong and brutal saying says it best.

“If you die tomorrow, your job will be posted online before your obituary.”

Build up your future now instead of waiting. Have the ability that if you had to stay out of work for a period, that your wealth can keep growing. Do not settle for anything less. Financial freedom is not impossible, it just requires self-discipline and the ability to execute where necessary. Start investing small in 2019 and help yourself grow financially free.

Do You Really Want That Car Note?

Buying a New Car: Is the Car Note Really Worth It?

Anyone would love buying a new car. It’s fresh. It’s different. It’s well… something new. But while everyone loves new things, is buying a new car really worth it? What growth potential does that new car cost you? Let’s find out.

So, let’s say you buy a new car? That isn’t why you are poor.

Let’s face the reality of things. Buying a new car isn’t what makes you poor. A car is an investment and something that will reliability (hopefully) get you from point A to point B. So, buying a car is not a bad idea but let’s talk about the smart approach when it comes to maximizing your income for profits that you should take.

First off, if you have barely any money in the bank, financing a car is a bad idea. Sure, you say you can’t afford to buy a 2-thousand-dollar car right now but you can easily turn around afford a 15 thousand car instead because it was 0 to little down. This seems like a solid investment because you talked yourself into the fact that it will get you to work, allow you to run errands and do everything to make you money.

Show Me The Numbers

So, let’s talk numbers since that is what seems to catch people’s attention the most. Say you walk in and buy that car for 15k down and maybe have close to an additional 1k in fees to register it. This puts you at 16k total for this car. (you can’t afford a 2000-dollar car but you are now driving around in a 16-thousand-dollar car? Interesting…)

Buying The New Car

buying new car

Now because you are financing this car, you will have to get yourself some bigger insurance. Instead of around 130 a month, you are now paying 260 a month. Only an extra 130 a month. Since you are financing this car, you will also have to pay interest on it too. Let’s say you have a rate of 7.99 APR. Now let’s put the numbers in our magic wallet calculator. We also put down that you are going to pay off this car in 3 years.

Monthly Payment Estimate $501
Annually Payment Estimate $6012
Total Principal Paid Estimate $16,000
Total Interest Estimate $2,036
Total Payout Estimate $18,036

You will average a bill of 56 dollars a month for 3 years in just interest. That is a total of $672 dollars a year. That is more than enough to cover minor repairs on a car. But we are not done. You still have insurance.

Monthly Estimate $260
Annually Estimate $3120
3 years Estimate $9360

Buying The “Old Reliable” Option

buying new car

Now let’s look at that $2000 car you picked up on the market place to get back and forth for now.

Car Cost $2000
Registration $150 Estimate
Maintenance, Tires, Fluids, Breaks, bulbs. $800
Extras! Car scent, wax, vacuuming, etc. $75
Total $3025

As an older car stays in your garage, you should always set aside an extra 100 bucks a month to cover repairs for it. If you do some research, you could probably fix a lot of the small issues on your own with little to no knowledge with resources like YouTube, google and other maintenance car books based on your model.

Here is the cost of the car now with insurance.

First Year (counting 100 away a month) $4225
Second Year (Counting 100 away a month) $1200
Third Year Counting 100 away a month) $1200
Total for the three years $6625

Maintenance

Do keep in mind that you will have to pay for maintenance on your new car too. Now let’s see the insurance on this car.

Monthly Estimate $130
Annually Estimate $1560
3 years Estimate $4680

What’s the Total?

So now that you have seen numbers, let’s see them side by side.

  New Car Used Car Difference
Car Purchase      
First Year $6012 $4225 $1787
Second Year $6012 $1200 $4812
third Year $6012 $1200 $4812
Total $18,036 $6625 $11,411 
Insurance      
Monthly $230 $130 $100
Annually $2760 $1560 $1200
Total $8280 $4680 $3600
Total $26,316 $11,305 $15,011

So, if you bought that car for 2k, you will have saved $15,011 plus any of the 100 bucks a month that you put away that you didn’t spend. But what is the point of saving that money if it’s not going to grow?

What Can That Extra Money Do For Me?

Now we will take that $15,011 invest it into an account that grows at just 7.5 percent APR. This is for 1 year.

Amount to invest (the amount you saved) $15,011
APR 7.5%
Number of years? 1
Monthly interest Potential $93.81
Total of Interest $1125.82
New Value of your investment at the end. $16,136.82

Now, let’s move this up to 3 years.

Amount to invest (the amount you saved) $15,011
APR 7.5%
Number of years? 3
Monthly interest Potential $93.81
Total of Interest $3,377.46
New Value of your investment at the end. $18388.46

Let’s compare 5 years.

Amount to invest (the amount you saved) $15,011
APR 7.5%
Number of years? 5
Monthly interest Potential $93.81
Total of Interest $5,628.60
New Value of your investment at the end. $20,639.60

Keep it there for 10 years?

Amount to invest (the amount you saved) $15,011
APR 7.5%
Number of years? 10
Monthly interest Potential $93.81
Total of Interest $11,257.20
New Value of your investment at the end. $26,268.20

Keep it there for 20 years

Amount to invest (the amount you saved) $15,011
APR 7.5%
Number of years? 20
Monthly interest Potential $93.81
Total of Interest $22,514.40
New Value of your investment at the end. $37,525.40

Let’s say you keep it there will you retire. You started this at 25 and retire at 65.

Amount to invest (the amount you saved) $15,011
APR 7.5%
Number of years? 40
Monthly interest Potential $93.81
Total of Interest $45,028.80
New Value of your investment at the end. $60,039.80

Now if you look at things, you can take that 13 grand easily turn it into over 200k over the next 40 years. All because you drove that beat up car for just 3 years. If you treat everything in your life with this mindset, your success is limitless.