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.


The 2017 New Zealand Business Awards Winners Announced!



Is a Home Business Right For You?

Is a Home Business Right For You?
Copyright © Stone Evans, The Home Biz Guy

Every morning as people wake up and make the commute to work,
many dream of the day when they will finally work for
themselves. Every time the boss lets someone know that they must
give up their weekend plans for the good of the company, people
contemplate the benefits of being the owner of their own

Are you one of these people?
If you are, it is important to ask yourself some very important
questions before you make the uncertain leap into
Many dream of the benefits of home business ownership, but few
take into account the sacrifices that must be made to bring the
dream to fruition. Please don’t make this mistake yourself.
You must approach home business ownership with your eyes wide
open. Ask yourself the important questions, and more
importantly, answer your own questions openly and honestly.


Are you the type of person who relishes every chance to gather
around the water cooler for social interaction?

If so, then home business ownership may not be the right
decision for you.

Instead, if you feel that you can be quite content sitting alone
at your desk; speaking only to clients and really minding your
own home business, then you might have what it takes to succeed
as a home business entrepreneur.

If you feel at ease with your own company and don’t need a dozen
coworkers milling around your desk, then you, too, could savor
the freedoms that will allow you and your family, to live the
lifestyle you know you want and deserve.


Self-motivation is the key to success when you start a
home-based business. You need to have the ability to push
yourself ahead. Your drive and determination will be reinforced
with every new sale.

The level of success that you will achieve greatly depends on
the time and effort you are willing to plow into your new home
business. Your organization, planning and marketing skills, will
all be put into practice when you embark on your liberating
journey from employee, to being your own boss. In fact, you will
be the wearer of many hats and gain a wealth of business
experience along the way, when you finally make that commitment
to work at home.


You will now be the boss. Are you truly able to work
independently? Do you have the drive; the tenacity, to persevere
with your home based business? Will you be able to invest the
necessary time to nurture it, to watch it grow and see it
through, from germination to full, glorious bloom? When you’re
the boss, you are responsible for the success of your home
business, from A to Z, from disappointments to victory.

When you work at home, it will allow you to make many
things you were unable to do when you were stuck working for
that tyrant boss. Remember him? He’s the guy that wouldn’t let
you take time off when your baby was sick…the same guy that
called you in to work on Thanksgiving Day.

A home business means that you can take good care of your family
and make money from home, simultaneously. You will have the best
of both worlds! Just think–no more dirty laundry piling up–you
can do it while you work. No more scurrying around at the last
minute searching for a babysitter either. And no more worrying
about getting fired; you’ll be the boss!


Stay positive and focused on your home based business, even if,
when sales aren’t up to par, you get occasional negative remarks
or derogatory comments from people with stuffy, dead-end jobs.
Ignore their cutting words and bear in mind that success is the
best revenge! Keep your admirable, positive attitude at the
forefront and show them what you’re made of!

Resource Box:
Stone Evans, The Home Biz Guy can help you launch your very own
money making website today that’s 100% ready to take orders and
pull in massive profits for you right now … guaranteed! Visit:


Why so few people succeed online

You know something…A LOT of people go online with the goal of making enough money to quit their job and tell their boss to take a hike.

But the fact is…very few will succeed. So whether you have struggled with search engines, Facebook ads, pay per click or you have purchased advice from self-proclaimed “experts” and you are still not profitable…believe me, you are not alone and it is definitely not your fault.

With so much “how to” information floating around, you can become paralyzed…and extremely frustrated.

Does any of this sound familiar? Again, if it does…do not feel bad because you are not alone.

In fact, I understand completely how you feel…because I was recently there myself.

The easiest way to start an online business is to learn from someone who is already making a lot of money doing it!

In fact, I have learned that the fastest and easiest way to make money online is by getting a coach who can show you how.

A coach can shortcut the learning curve and get you making money faster. Why bother reading book after book on traffic, sales copy, email, building sites and more…when a coach can show you what to do in a few hours.

Unlike buying course after course or joining business opportunities after business opportunities…getting a coach is a guaranteed option that will help you run a successful online business faster and easier.

I can give you specific strategies on how to best start and run your business. You will learn what really works online and what mistakes to avoid.

When you follow the specific steps I will show you now…I virtually GUARANTEE you will have a successful online business.

After all, that you are reading this right now makes me realize you want something MORE in your life.

Maybe you want an online business that makes more money…so you can give more for your family?  Maybe you want to travel anywhere and anytime you want?

Maybe you want to have a nice new car or move into your dream home? Maybe you want to have your kids go to the nicest schools?

No matter what you want, coaching and mentoring can help you cut out the learning curve and help you get profitable and I can be the coach and mentor that gets you there.

Look, those online business owners who are currently making money online know something and are DOING something that you are not since they are making money.

So, instead of guessing what it is you are doing wrong, or you are not doing right…learn from someone who is actually making money online!

This way, you would learn what works and what does not from those who will tell you EXACTLY what to do to make the kind of money you want.

After all, no matter what business you try to start…there is a ton of trial and error and there are SO many things you need to learn…it can be overwhelming. With so many things to focus on…you have no idea where to start.

Let me just say this:  Running a profitable online business comes down to learning how to do a few small things right and what is the fastest and easiest way to learn those things?



P.S. If you are struggling trying to make money online…I will help you skip the trial and error and shortcut the entire learning curve so you can start making money online. You will be able to avoid the mistakes most people make which saves you hours and thousands of dollars.

I would like to personally work with you one-on-one, for FREE, until you are making money online.

So go here now and enrol …



Coaching is your saviour to the fastest and easiest way to learn how to make money on the internet

Like you probably have as well…I tried so many different “make money online” programs…it did not take long before I was confused, OVERWHELMED…and deeper in debt.

You name it, I tried it. From affiliate marketing, pay-per-click, Facebook ads, emails and more. Nothing worked and I continued to lose money.

Just when I was about to give up…I came across an ad for a coaching program.

Since I have not gotten anywhere by trying out the affiliate programs, business opportunity programs, books or courses….I decided to give coaching a try.

After all, the thought of just learning what I needed to know, from someone who already knew what it took to make money online…that is what led me to try it.

Sure enough, over time…and with more coaching…I started finally making a full-time income online. It was not easy, and it definitely was not “Get Rich Quick”… but I am finally living out my dream of earning money online…giving me the freedom I have always wanted.

This it all happened as a result of finding a coach and mentor!

So do not let anyone tell you that coaching does not work. I know from experience that it does. The reason for your failure to make money online is not from a lack of trying…that is for sure.

You have bought books, courses and business opportunity programs…but still cannot seem to get anywhere.

Well, the thing that has held you back is not having someone who can show you how to do it. So here is how you change that…


Charles Kaluwasha

P.S. My goal is to prove to you that the fastest and easiest way to learn how to make money on the internet is with coaching.

Let’s just say that coaching was the one thing I was able to use to get online and making money faster than anything else I tried. Unlike all the ebooks, courses and business opportunities I tried…coaching made it so I was able to get online and making money without the struggle, wasted money and trial and error.

Now you can use this free coaching offer to make MORE money online without dealing with all the ups-and-downs and setbacks.

Even if you have already tried and failed a dozen times…if you are sick and tired of watching others make money online…if you are tired of hearing about all the million dollar product launches…if you are ready to change your situation…these methods of starting an online business can help you, just like they have helped me.


Free $20 to get started with Empowr

Promote Yourself

It’s important for small business owners to shamelessly promote their businesses if you want to make more money.

You don’t have to worry even when you are not perfect as long as you are providing great value to people.

Apart from taking selfies and putting that on Facebook…

I find the BEST solution for entrepreneurs and I introduce clients to our best automating and sponsoring tools on my team. For selected VIP clients I help them to reach 8,000 new connections each month.

People ask me, ‘Are you a copy writer? No, I am a nurse by profession.

Then they ask, ‘Are you a digital marketer? Your blog posts are really well written!’ No, I am not a digital marketer.

Allow me to re-introduce myself.

I am a Marketer and  one of the founding members of Layers of Leadership, an exclusive rank of Home Business Professionals.

My job is really simple. I SHAMELESSLY promote the company as much as possible, and get in front of as many people as possible, as quickly as possible.

I do this through coaching,consulting, communications and giving away free membership sites to other marketers.

I started building from scratch with zero connections. Now we have built  approximately 8,000 active members on our database. When I first started I had no idea how to get so many people together. So I am really GRATEFUL for that growth. Thanks to our high-touch sponsoring and automation tool.

The goal now is to get to one MILLION connections on our database and in our community.

So if you know of anyone who could use a service like ours, tell me who do you know that could benefit?

Introduce them to me and share the valuable content. I have a wealth of free information inside.

Even if you have never engaged  with us, I am so PASSIONATE about the work we do to help others and I will give you  for FREE Membership for life, webinars and so much more.

I’m working on a project to give away reseller rights to team members and help them earn 100% profits faster

To your success,

Charles Kaluwasha

Call: 260 243 555

Home Business Ideas and Opportunities
Plug-In Profit Site

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