Home Business Ideas and Opportunities

Home Owenership, Is It A Must?


A third and final year social worker  student interviewed  me on the importance of owning a home. Below is a text of our  interviews.

In this interview, I will share with you the benefits/importance of owning a home.

I will break these benefits into  the following sub headings:

  • Universal dream for any many men and women in this age group
  • Future investment
  • Security and social gratification
  • Parenting
  • Incentive for educational achievement
  • Health and wellbeing motivator
  • Civic participation

Universal dream

Home ownership holds a special place in those aged between 35 and 45 group. Buying a home is a very important goal, it is a universal dream for any progressive and ambitious person, not only in this age group, but every person living on earth.


Owning a home is a big investment that people in middle age group make. In fact most of them strive to build/buy homes from their own savings without relying on mortgages from the banks in some countries. Owning a home here is even much easier because we have opportunities to borrow from the banks. This is viewed as a good debt, because it allows us to avoid paying what we call, “dead rent” to land lords and when you leave or die, you have nothing to leave for your children. This is why we are motivated to buy our own homes as we perceive it as a form of enforced saving which appreciates over time.

Security and social gratification

A material home represents a strong expression of security where one can boast of a piece of land with a garden as his own, to which one can withdraw, in which they can enjoy with their family, friends and into which a stranger can come against their will.

A home ownership provides with a sense of physical and emotional security and safety. Wherever you go, you can come back to a home, “home sweet home!” It’s a personal space for them! Owning a home gives you the power, achievement and control over your environment you live in. It gives you the sense of control and authority.

On the social gratification, home ownership provides   a sense of belonging and acceptance. People who do not have their own homes are viewed as lazy, homeless, unproductive and have no place in society. Therefore owning a home enhances the sense of connection with broader community. And this provides social stability, economic reliability and community assurance, individual aspiration for independence and future security.

Home ownership and parenting

A stable home environment provides a good parenting. It is a well-known fact that owning a home encourages parents get involved in school activities, for example there is a tendency of reading to children, there is control of children’s TV time and imparting good behaviours within the home and in the neighbourhood. This enhances positive children outcome!

Education and achievement

For example,When we migrated to New Zealand, our main motivation was to have our children receive a better education and be responsible for their future. So when buying a home, we look at the neighborhood if it can support and contribute to our children’s’ education. So we undertake a financial commitment to buy a house in a good area, free of crimes, violent behaviors and other vices. We also want to transfer financial commitment and behaviors to our children so that they will grow into responsible children in future.

With this in mind, home ownership provides good educational outcome for our children in that it reduces teenager pregnancies, bad behaviors because of the available quality of life maintained by home owners.

Health and well-being

People in this age group always look at homeownership as a special place for retirement. So we buy houses so that one day when we retire, we want to be in our own place which is familiar to us, where we feel in control of ourselves rather than being pushed by the land lords. As mentioned earlier on in this article, people develop relationships with their neighbors and government agencies, therefore want to be in a familiar environment where they know us and when we need help, it is readily available. This gives the peace of mind and enhances the health and well being status as opposed to renting a home in advanced age. There is no security and not possible to make modification.Zambians for example believe that it is more honorable to die in your own home than in a rental house. This gives Zambian the desire to buy their own homes.

Civic Participation

Owning a home provides people with the opportunity to get involved and participate in community activities such as, elections, neighborhood watch, garden competitions, and community projects. They develop group network where they exchange ideas and skills, hence building lasting interpersonal relationships.


Owning a home gives people individual autonomy; accumulate wealth and social status which in turn brings social, economic, family and civic outcomes.

Home ownership provides improved educational performance of children, encourages participation in civic and voluntary activities. It also enhances and improves health care outcomes.

Home ownership reduces crimes rates in communities and people become less dependency on welfare income from the government.

Home ownership comes with pride and sense of belonging in the community because there is financial stake in good neighborhood. Therefore, there are more social benefits in owning a house than renting one for life.

This may not apply to the young generation. Why?
They want to have freedom and not stay in one place until they retire.
Each individual has a choice…. where to live and with whom.

See you @ the top,
Charles Kaluwasha
24/7 Layers of Leadership
Ph : 260 243 5500

To be very clear … My success and results are not
average, because I am not average. Our team is
comprised of forward thinking, positive people who
aren’t afraid to do what it takes to live a life of
excellence. Does this sound like you too? Click here.


Light a Fire, Change Your Life

Some people need to build a full-time income in their
business before they can feel comfortable leaving their
jobs. Perhaps they have a family and mortgage, and they need
to know their income is solid before taking the plunge to full-time.

Others have to leave their jobs before they’ll get busy and
start their business. For them, they need the ‘sink or swim
terror’ to inspire them to take massive action.

No matter which camp you fall into, here’s what’s true for
nearly everyone:

Your reason ‘why’ isn’t just a nice thing to have – it’s
crucial for your success. The bigger your reason ‘why’ when
you’re starting your own business, the more likely you will
stick to it and do whatever it takes to succeed.

To make your fledgling business a success, you need massive,
undistracted action. For example, consider taking a week off
from work, moving into a motel room away from all
distractions, and creating your own product and sales funnel.

If you don’t know how to do something, you have 2 choices:
A: Learn to do it yourself. This takes time and will often
derail any momentum you had. For some, it will mean putting
off starting the business for weeks and even months.

B:Outsource that sucker and move on.

Nearly everyone does better, accomplishes more and reaches
success faster if they get a coach. Just sayin’.

Once you taste success, you will never go back. I’ve almost
never seen someone make money in their new business and then
drop the thing to go back to a job. Once that fire is
lit, there really is no turning back.

Having your own business is not only financially freeing, it
also instills a sense of self-confidence that enhances
almost every other aspect of your life.

Starting your own business means overcoming your related
fears, whatever those might be. Once you do success,
you’ll find you’re able to overcome even greater fears and
carry out more than you dared hope back when you were
safely enslaved. Errr… I mean employed.

If there’s a bottom line to this, it’s this: Decide what
you’re going to do. Give yourself a deadline. Then move
heaven and earth to get it done, and you will succeed.

Charles Kaluwasha

P.S. Get 5 Checks Per Month – No Experience Needed! It takes
multiple streams of income to succeed online. We have the
TOP five programs online all under ONE roof! You can get started
now for less than dinner and a movie! Get the exciting details…

P.P.S. I’m an affiliate for the products referenced in my emails.
That means I make money if you decide to buy something. But I only
tell you about the really good stuff – the stuff that works. My
ultimate goal is to partner with you and help you build a successful
business online. I hope you understand that. If you have questions,
or want to get in touch with me, just reply to this email. I’m human… 🙂


How to Make Sure Limiting Beliefs do not Ruin Your Dreams

“Investing in yourself is the most important investment you’ll ever make in your life. There’s no financial investment that’ll ever match it, because if you develop more skill more ability, more insight, more capacity, that’s what’s going to really give economic freedom. … It’s those skill sets that really make that happen.” Tony Robins.

Limiting beliefs can sometimes be crippling enough to ruin your dreams. Want to make sure that this does not happen to you? Read on. You want to make sure that you were not constantly questioning yourself. As an entrepreneur, you will always be making decisions that might be impulsive or might not be agreeable with other people.

In order to make sure that you continue to follow your dream instead of listening to the advice of wrong people, you must put out all criticisms and insecurities from your mind and focus on your future.

If you cannot fully dismiss these negative thoughts, work on turning them into positive ones. This is like turning criticism into constructive criticism. You should also understand that entrepreneurship is going to be a long and difficult journey, so if you are not up to the challenge you will need to figure out a way to make yourself confident again without limiting beliefs standing in your way.

Click The Link Below To Check It Out Now


The recipe for self branding

Everyone unconsciously thinks that branding is creating nice squeeze pages,blogs or  attractive logo and a having a big company in wall street.

Some even think that posting high-resolution images is  branding. There is a misconception about personal branding.

So what is real personal branding?

Many scholars state that branding is a new market strategy that is targeted, hits the your prospects harder such that they immediately drop everything and gets attracted to you and the service or product you are offering, completely different from your competitors.

On the other hand, if someone is considering to do business with you comes in contact with your website, social media channels and notice that your content,photos,website designs,videos  are incongruent, cheaper,outdated, unprofessional, they will not trust or connect with you.

It is natural that people buy people, not the product!

If they don’t like or trust you, it’s unlikely  that they will ever buy from you.

So what are the ingredients?

Finding people or companies  that are specialised in this niche. There well over hundreds of them around the globe. You have to do an extensive research and find the reputable,honest and authentic companies that are producing the intended results.

One of them I know  and what many marketers recommend is the Agency….

The Agency is a full service digital storytelling and personal branding agency for entrepreneurs.  They use over 50 years of combined marketing, branding and creative experience to help you connect with your ideal fan, follower or customer. They help you stand out from the noise by unearthing and developing your most powerful, authentic personal brand identity so the RIGHT people can actually hear and resonate with your message no matter what product or service you’re selling. They hand craft and wrap your personal brand with stunning visual assets and written content to help you solidify a unique, deliberate and clear voice in the market, resulting in deeper and more meaningful connections with those who cross paths with your brand.

Where are  they?

The Agency is hosted and marketed by Digital altitude. To get enrolled all you have to do is sign up here to get access to the back office and get started! They offer many packages from basic to a more advanced one.

Hundreds of people who have used this service are have reported of good outcome, most of them are now 7 figure income earners. Case studies are available in the back office.


Personal branding is a unique marketing strategy to help you connect with your ideal followers or customers who recognise you as an authentic leader in the market space.

You can get started by accessing the Digital altitude website, then sign up for the basic package first before you progress to the more advanced ones.

Charles Vincent Kaluwasha


A Handy Accounting Software for Small Business Owners

It’s that time of the year when every business owner, including farmers are busy sorting out invoices

and trying to reconcile their books to send their tax returns to the tax office.

It becomes more difficult if you have a poor bookkeeping practices and you are not into accounting.

You spend endless nights to meet the target hence not focusing on your core business activities.

Those who have money can manage to use someone to manage book-keeping aspect of the business.

The good news! 

However, with the advent of new internet technologies things have become easier and simpler for business owners and entrepreneurs who are not really focused on keeping information about their business finance.

Now there are various companies that have come up with their own programs and software that allow you to import account transactions into their system from your bank and other financial institutions making it easier for you to get the information when you want.

This is a relief to many small businesses and entrepreneurs now.

It provides business owners and entrepreneurs to focused more over their core business issues and therefore they never pay enough attention towards the accounts and banking transactions that happen in a day.

With this new  automated technology,entrepreneurs never have to worry about keeping information about their business transactions because these feeds create behind the scene journals for every accounting transaction.

Do you think this will take away all the  pain and headaches you had to go through when it comes to the end of financial year?

Xero has created this wonderful productive tool to manage your business transaction on the go…


  1. Helps business owners with double entry bookkeeping as it creates a separate transaction for every debit and credit entry in the general ledger.
  2. The bank feeds work very much like regular accounting and therefore it uses the same equation approach which is Assets = Liabilities + Equity.
  3. The bank feed also works well to generate various types of financial reports for the users. Hence, users can take a clear view of the performance reports, cash reports, detail reports and place reports.
  4. Xero software also uses a single account for recording all sales taxes and helps you to calculate your sales tax obligation based on the accounting transactions for that sales period

Good thing is that you can do your accounting anywhere and with any device

In my opinion, this is the best  accounting software with everything you need to run your business beautifully.

You can even test it for complete 30 days for free, no credit card required!

Try Xero for free

If you found this information full of value, share it with friends and business associates.

  • Charles Kaluwasha

Invest in Yourself

Do you ever feel that no one else has your best interest at heart? If so, you’re right, no one cares about you, but you. This makes it even more important to invest in yourself if you want to see the greatest results.

Investing in yourself is the most important investment you’ll ever make in your life. There’s no financial investment that’ll ever match it, because if you develop more skill more ability, more insight, more capacity, that’s what’s going to really give economic freedom. … It’s those skill sets that really make that happen. Tony Robins.

Here is what you should absolutely know about building your business and dream lifestyle

Being financially savvy takes time, effort and hard work. However, there are some shortcut that may help you get to where you need to go. This is by listening to others and taking the time to apply what you learn to your life. This is where experts can come in and take some of the burden from you!

Watch this video now to learn way to make your business a success.

Don’t wait for others to hold your hand or offer you advice on what you need to do NOW. Take the time to listen to folks who have lived it, done it and who’ve had great success with it. This is what this video can do for you.

Go here to learn the #1 Secret to Creating Wealth on Line

Get your finances in order today, because this offer may not be around for very long!

To your success,


P.S  Here is a Give away free website to build your primary business

Home Business Ideas and Opportunities
Plug-In Profit Site

%d bloggers like this: