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Wednesday, April 29, 2020

title:0% Credit Cards author:Neil Brown


These days, credit cards ( in the UK are competing with each other on two very attractive offers with a headline rate of 0%. These 0% credit cards will be either balance transfers; introductory purchases offers or a combination of the two. This article looks at how to get the best out these types of card and the things to that the credit card companies want you to do and therefore the things to avoid. There is a school of thought that believes that these types of card will soon be a thing of the past as they cost the credit card companies too much profit, as consumers get wiser to the pitfalls.
A balance transfer credit card ( is basically an offer of either a zero interest rate or very low interest rate for a set period. The typical period is 6 months although there are variations on this and there have even been some low rates set for the lifetime of the balance. However, these are becoming rare. Once, the offer period expires then the outstanding balance reverts to the standard rate on purchases. This is very important, as at this point the credit card company will hope the consumer will not take any action and so the company can begin to earn money on the balance.
A 0% purchase offer credit card ( has many similarities to the balance transfer offers. The introductory rate and period are usually 0% and 6 months in the same way as the balance transfer. Also, once the period expires the outstanding balance is subject to the standard rate on purchases. It is an important point to note that the introductory rate does not apply indefinitely on purchases made in the period, but only applies for the duration of the introductory period.
It is often the case that credit card companies will offer both the balance transfer and 0% on purchases on the same card. When this is not the case it is wise to keep balance transfers and purchases separate. This is because the balance transfer portion of an outstanding balance will be paid off quicker than the standard rate purchases. Therefore an increasing portion of the balance will be subject to the standard rate and the balance transfer portion will decrease at a faster rate. There is nothing to stop a consumer obtaining a credit card with a balance transfer and a separate low interest credit card for any purchases to be made. That way the benefits of the offers are maximised.
In summary the balance transfer and 0% purchase offers can be of great benefit to the consumer provided that the consumer understands how to use the offers to their advantage. A degree of discipline is required in managing repayments. Also, the cardholder should be aware of any penalties that may cause the offer to be cancelled. Armed with this knowledge then these cards can be made to work for the consumer, but remember that when comparing credit cards ( to pay close attention to the typical APR, which is, always stated where UK credit cards are promoted.
title:0% on a Balance Transfers Will Not Last Forever
author:Peter Kenny
date_saved:2007-07-25 12:30:08

Have you ever been attracted to a credit card because it promises you an outstanding interest rate that seems just too good to be true? Most of us have at some stage jumped for one of these attractive offers. There are a growing number of credit card providers out there that will offer you 0% deals on either balance transfers or purchases, and sometimes they just seem too good to resist.
Particularly if you have a large outstanding credit card balance that you are currently paying a lot of interest on, these offers will be very tempting. In fact, many 0% balance transfer offers will save you hundreds of pounds on interest that you would otherwise have had to pay on your credit card balance. But no matter how attractive such offers may appear at the time, you should only ever take on another credit card if you have taken the time to review your finances and are satisfied that it is the right financial move for you at this time.
To look at a typical example, suppose you have one thousand pounds outstanding on a credit card that charges 10% APR. This means that over the course of a year, this balance will cost you 100 pounds in interest charges. Now suppose you find a credit card that offers you 0% on balance transfers for six months. Well it is pretty obvious that 0% is better than 10 and if you were to take up this offer, assuming there are no balance transfer fees, then how much will you have saved over the six month interest free period? The answer is 50 pounds. However, what will the interest rate revert to once the interest free period has come to an end? This is something you should be thinking about before you opt for the credit card, and not when the interest free period is about to expire and everything is more urgent. Suppose, for the sake of our example that the interest rate reverts to a rate of 25%. This means that over the next six months you will pay £125 in interest.
While this is a very simple example, it illustrates an important point when it comes to 0% balance transfers. In the example above if the customer had stayed with his 10% card, he would have paid £100 in interest over a 12 month period. In the same period, by opting for a 0% balance transfer for six months that then reverted to 25%, he ended up paying £125.
The point to remember is that just because a credit card offers you 0% does not mean it is the best deal out there. Look at the long term rates that the card will offer you, and compare these to the rates you are already getting from your credit card. If your existing rate is better than the rates that you will get from the new card once the introductory offer expires, then maybe you should remain loyal to the card you have.
So while this is going on you will not be spending on the new credit card, but you will be safe in the knowledge that you are saving the interest payments on the old debt.
title:2 Pieces To The Puzzle Of Organizational Change
author:Mike Beitler
date_saved:2007-07-25 12:30:07

Kurt Lewin, the consummate applied social scientist, is responsible for giving us three of the ten concepts that support effective OC practice: Forcefield Analysis, The Three-Stage Model of Change, and the Action Research Model. I will cover the first two concepts in this article
Lewin's first concept, and practice tool, is called Forcefield Analysis. Lewin believed every organizational situation, no matter how dysfunctional, benefits someone. I have found this concept and tool to be very effective in Organizational Change practice.
Lewin believed the status quo is a result of driving forces and resisting forces. Driving forces are pushing or "driving" for change. Resisting forces exist because some parties benefit from the current situation, or status quo. Thus, the status quo is the result of the strengths of the two opposing forces.
In practice, Lewin recommended working to reduce the resisting forces, instead of increasing the driving forces. He believed simply increasing the driving forces would result in an escalation in the resisting forces against the change. The parties resisting change (supporting the status quo) are usually highly motivated.
Another concept closely associated with Forcefield Analysis is what Lewin called the Three-Step Model of Change. He believed change required three steps: unfreezing the current situation, moving, and then refreezing the new situation (a new status quo). At first glance, this may appear to be obvious and simplistic. But the steps are very important.
The OC consultant must first help the organization to see the dysfunctionality (ineffectiveness) of the current situation. Remember, we are dealing with some organizational members who benefit from the current status quo.
To move the organization or the unit (to change behavior) requires a planned intervention. This will be a time of insecurity and fear for many organizational members. Fortunately, there are many structured interventions available to OC consultants. I cover interventions in Part II of my book, “Strategic Organizational Change.”
In step three, Lewin said we must "refreeze" the situation. In practice, I have found this step to be essential. In order to get the change to hold, there must be a supportive environment for the change. This means management must commit resources and reward desired behaviors; otherwise, the organizational members will slip back into their old, comfortable ways of doing things.
Anthony Buono has correctly added, "There is a significant difference between dealing with the type of episodic, discontinuous change that Lewin referred to in 1947, when he created this model (dealing, in essence, with organizational inertia), and the type of ongoing, overlapping, continuous change that is happening today." I expound on Professor Buono's comments in my chapter on Leading Change.
title:2 Steps for Increasing Company Profits or Performing Business Turnarounds
author:Byron Murray Lund
date_saved:2007-07-25 12:30:06

1. Eliminate waste
Eliminate reports, habits, products, duplicate input, and processes that waste time and money. These drain labor, money and energy from the business.
Two-thirds of products or services sold incur more costs to produce than they are sold for. These are a drain on profits. These losers can be reduced by either increasing prices, reducing direct costs incurred in producing the product or service, reducing overhead costs allocated to the products or services, or discontinuance of selling of the product or service.
Some of these profit robbing costs may be found through asking employees for feedback on duplication of efforts, unused reports, and other wastes of time or money, or through cost accounting or other analysis systems.
Eliminating waste increases the amount of space, labour, time, energy and money available for other profit-making activities.
2. Reinvest a portion of the savings in profit-generating activities.
Once the waste reduction frees up money, time, labour, space and energy, invest part of the savings in continuous improvement.
Some of these continuous improvements are already in most company’s budgets. Equipment replacement (depreciation), marketing, training and research and development are all current cost or expenditures to generate future profits.
An analysis of return on investment of discretionary expenditures should find further areas where the investment will yield results. Investment should be made in a combination of projects with short payback periods and those with high rates of return.
title:2 Sure-Fire Methods Proven To Convert More Customers
author:Allyn Cutts
date_saved:2007-07-25 12:30:07

If you're a marketer your number one concern is customers. You've probably read and heard a million and one ideas about how to build relationships, retain customers, create a list of potential customers, and inspire consmer loyalty. But the tough question is, "How do I convert prospects into customers?"
There are a lot of people out there who see your ads, think about them, and maybe even say, "I ought to..." They're just waiting to be convinced to to do something about it. There is something you can do to get them moving!
1. Improve Your Offer
No on can pass up the deal that’s “too good to resist.” Think about it... how often do your customers want your product, but just want something else a little more? That leaves you with a long list of “almost sales” that have the potential to be converted into real sales and profit. Sweeten the deal. Make the offer so good they can’t resist it.
Now, I’m in no way suggesting that you drop your prices to sweeten the deal. You can just as easily load it up with bonuses to increase the perceived value without cutting away at your profit. Bonuses motivate sales, maybe even more than cut prices.
Don’t let them lollygag. Yeah, get them into the store pronto with a deadline. They may have to put a competitors purchase on hold to get your deal, but hey... what’s wrong with that?
2. Follow Up
How would you like to increase your sales by more than 50 percent? Yeah, it sounds good! There’s really a very simple tactic that you can implement... follow ups.
Chances are, prospective customers aren’t going to buy your product the first time they see or hear about it. Maybe it’ll be the third or fourth, but they have to hear from you that third or fourth time before they actually become a customer. Do you have a follow up system in place?
Simply contact the “almost customer” every month with a new offer, or give them more information about the product they are showing interest in. It doesn’t have to be an intricate process. Keeping the contact there goes a long way toward building trust... the key to finding life-long customers.
Internet Marketers experience a high number of customers who browse their site, then click away. You can’t follow up without some form of contact information. A great way to gather the info you need is to offer a free ebook or informative report that consumers will find of interest. Once they’ve given you the information to email them the product, you have what you need to keep in contact, and work on converting them into loyal customers.
Personalize as much as possible. If you can get the firstname of your customer... great! Personalized messages have greater appeal than “addressed to occupant” messages.
Copyright 2006 Cutts Group, llc
title:3.5 Million People And A Possible UK Home Business Opportunity
author:Ahmad Usman
date_saved:2007-07-25 12:30:06

Business opportunities are not for everyone. The Internet on the other hand is just one place to start your search for a better life. But beware of many pitfalls as you may just be sceptical for the rest of your life.
Has this ever happened to you... 'John, you have a lot of mail this morning dear'. Stunned as a goldfish you walk over to the kitchen table and pick up the envelopes. Each one is a quality envelope that has an address label with your name on it. You flick through them and the labels are more or less identical. You open one, then another and you can then start to feel what the others are about. More UK home business opportunity!
But that still doesn't stop you. You'll still want to open all of them, just to make sure. If you have time you read some, as there's no chance of you taking them to work to be embarrassed by your colleagues. 'Checking out your 'junk' mail!' Or you'll leave them there to be read in the evening.
Chances are getting slimmer for the sales person (letter) to get your attention. They want you to read the material immediately. Don't leave it till the evening you could be tired or playing with the kids. 'It can wait till the weekend...' Never happens!
But I have the 'Internet', the information highway...
Good, now what?
The Internet
This is possibly one of the biggest mistakes you can make. Why? You see one business opportunity that catches your interest. Gets you drooling over the page and you can't wait to download it instantly to receive the package, virtually. You're about to pay and 'boom' a pop up occurs. Another UK home business opportunity if not from the US, catches your attention and gets you going and now you're confused, then another and another.
With so much to choose from, it's an absolute craze. At the time of writing there is over 650,000,000 pages of 'work from home' opportunities. That's right, over half a 'billion' pages! Also for 'business opportunity' it's in the 100 million mark.
However, through the post you'll get the odd one now and then, but on the Internet there is instant access to over 750 million pages of information relating to home based business.
Now you'll either spend a couple of thousand or be sceptical and buy nothing. There are too many home business opportunities on the net, which makes it difficult to choose or not choose at all.
The Guarantee Period
This is 'powerful' medium. A general guarantee entails that if the system does not work for you within the next 30 days you can ask for a refund. It has been said that the longer the guarantee period, the more the interest. But figure this... Will you remember that in 3 months, 6 or 8 months time?
This is what could possibly happen. You buy the package and you read it several times if not once. You put it down and do your daily chores or go to work. You keep thinking, 'I'll get round to it'. And as you keep thinking I'll get round to it, the 37 days are over. Now whose fault is that?
So What's A Good Business Opportunity?
There are many factors to cover, but a business opportunity is not compatible for every individual. It might work for one and not the other.
If you do take on a business opportunity, learn to adapt to what it says. If you don't, then you can proudly blame yourself, if you can! One difficult skill to adapt to is to work on your own initiative and in your own time. Finding access to these precious factors is a major problem, especially for some.
You need to make time, work on your own initiative and be self-motivated. That's how you'll become successful.
Summing it up and what Winston Churchill said at a conference once:
Never give up
Never give up
Never, never, never...
title:3 Big Reasons To Attend A Live Small Business Workshop
author:Kerry Beck
date_saved:2007-07-25 12:30:07

It's unbelievable that people from all over the world attend an Online Marketing Workshop, hoping to improve their own small businesses.
Ever wondered why these people would leave the comfort of their own homes, as well as their families to cram into a meeting room with a bunch of strangers for two full days?
The answer...
They know they don't have all the answers and they also realize the benefits of attending a small business workshop.
Let me share with you 3 reasons you should attend a small business workshop for online marketing in your area, perhaps Dallas, Fort Worth or another city in Texas.
1.  Dynamic Content
When I attend a well-organized workshop or seminar, I am astonished at the amount of content the speakers give in their talks.  Last weekend, I came home with a notebook full of ideas and notes that I could implement immediately. 
Many speakers freely share their online marketing strategy at business seminars.  Since the speakers are entrepreneurs themselves, they know what the attendees need to start a small business or take their small business to the next level.
2. Contacts You Won't Make With E-Mail or the Phone
It is amazing to me how a weekend conference allows small business owners to network and find others to make joint ventures.  When I eat lunch with other entrepreneurs, I usually always walk away with a new tip or a partner for a new project. 
Just last weekend at lunch, I found a new way to promote a conference I am hosting and my husband found a partner for his new project.  Networking is definitely a bonus when you attend business conferences.
When you rub shoulders with other entrepreneurs and small business owners, you make friends and contacts with people that “get it”.  Too often, those in the 9-5 job arena just don't understand the benefits you receive when you have your own business and they surely don't understand the freedom and control you gain when you are your own boss.  Attending a small business workshop allows you time with others that do “get it”.
3.  Incredible Access to World-Renowned Speakers
Think about how difficult it would be to call a nationally known speaker and visit with him about your small business.  These speakers freely share the strategy that made them successful in the first place. 
Most speakers spend the break time in the hallway so you have full access to them and their knowledge.  No more waiting for a returned phone call or e-mail.  Just walk on up to them and ask your questions.
Bonus Tip:  Attend a Small Business Workshop on Uncle Sam's Money
Most business workshops, seminars and conferences are tax-deductible.  You will need to check with your CPA, but I suspect you can write-off your small business workshop as a tax deduction.  Hey, what a great way to travel the country and improve your bottom line, all on Uncle Sam's tab.
Why get second hand information when you can attend a LIVE event with these experts and ask your own pertinent questions?   Start looking for a small business workshop nearby…check the major cities - Dallas, Atlanta, Los Angeles or Fort Worth.  You ought to find a workshop just for you, one that provides a plan and online strategy for your own business.  Who knows, you might even find a low-cost seminar nearby.

3 Cold Calling Mistakes that Trigger Rejection

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In the old cold calling mindset, you’re taught to focus on the sale and be completely confident that what you’re offering is something the other person should buy.

cold call, cold calling, sales training, phone selling, phone prospecting, sales prospecting, sales scripts, telesales, telemarketing, mortgage selling, mortgage cold calling, insurance sales

Article Body:
Here are 3 common cold calling techniques that you should probably avoid:

Mistake #1: Center the conversation around yourself and what you have to offer

In the old approach, you introduce yourself, explain what you do, and suggest a benefit or feature of your product. And then you close your eyes and pray that the other person will be interested

Unfortunately, the moment you stop talking you usually hear, "Sorry, I’m busy," or "Sorry, I'm not interested."

You see, you’ve started your cold call by talking about your world and what you have to offer. But realistically, most people aren’t all that interested in you. When you talk about your company and your product, it’s just another advertisement to them. You haven’t engaged them, so they often just "turn the page."

Prospects are much more interested in themselves and what’s important to them. So if you start the conversation by focusing on their world, they’re more likely to interact with you.

So instead, talk about an issue or problem they may need solving. Focus on them rather than on what you have to offer. And see where it takes you.

Mistake #2: Be confident they should buy your product or service

In the old cold calling mindset, you’re taught to focus on the sale and be completely confident that what you’re offering is something the other person should buy.

The problem with this approach is that you haven’t asked them to determine this along with you. So think about it – in the old mindset, you’re really deciding for someone else what’s good for them. I know this isn’t intended, but that’s exactly what comes across to your prospects.

So rather than being full of confidence and enthusiasm, stop for a minute and think about the other individual. Relax into a real conversation instead of moving into a persuasive strategy or sales pitch. Put yourself in their shoes and invite them to explore along with you whether what you have to offer is a match for them.

Others really can distinguish the difference. You’re inviting them to see if you might be able to help them solve a problem. This makes for a much better connection right at the beginning, and you’ll get that immediate rejection reaction much less.

Mistake #3: When someone brings up an objection, try to overcome it

You know, one of the reasons cold calling is so difficult is that sometimes you may not be very familiar with the other person and their business. When you make that first call, you don’t know very much about their issues, problems, budget, and time constraints.

Chances are, not everyone is going to benefit by your product or service.

So realistically, your company or product isn’t going to be a match for everyone. And yet, when someone brings up an objection ("we don’t have the budget for that," etc.), the old cold calling mindset trains you to "overcome," "bypass," or "override."

But when you do that, you put the other person on the defensive. Something they’ve said is being dismissed. And here’s where rejection can happen very suddenly.

So it’s much better to listen to their concerns and continue to explore whether what you’re offering makes sense for them. There are some wonderful phrases you can use that validate their viewpoint without closing the conversation.

So now you’ve discovered the 3 major cold calling mistakes people often make. See if you can shift away from those old self-sabotaging mindsets. When you do, you’ll notice that people will engage you much more, and the immediate rejection you’ve grown so accustomed to will happen much less.

title:3 Easy Steps To Donate a Car and Get a Deduction
author:Brandon Hopkins
date_saved:2007-07-25 12:30:06

At one time or another it will happen to just about everyone.  You will get your W-2's from your employer, and sure enough you made some money!
That is a good thing right?  Yes and no.  It is a good thing as long as you had the adequate amount of taxes deducted during the year, but what if you didn't?  What if you owe the government money on April 15th?
This can be a scary situation for most people, and can end up costing you dearly.  What do you do if you owe the government more money than you have?
Find a deduction!  If you have an old car sitting around or one that isn't running, they will work perfectly.  Maybe you even have a car you've thought about trading in, that will work as well.
Here are 3 easy steps to an income tax deduction by donating a car (or other vehicle).
1. Do your homework.
There are many sites on the internet that offer free information about donating a vehicle.  Is your vehicle worth more than $500?  Can you deduct the full amount?  Can you donate a motorhome?  It is best to get this information from a third party so that they will not have a stake in what they are telling you.
A great site for information on donating a car can be found at Car Donations Online.  Car Donations Online is a third party organization with no financial ties to any charity or nonprofit company.
2. Find your charity or nonprofit organization.
Do you know someone with cancer?  Have you had a kidney related death in your family?  Do you attend a church?  Do you support pro-life movements?  I would recommend finding a charity that you can be proud to donate a car to.
If you don't associate yourself with any charities that accept donations anywhere in the world, get out more often!  There are literally thousands of charities and not for profit companies that accept donations, you will be able to find one that fits what you like.
3. Make your donation, and make sure it's deductible
For the majority of people, your full donation will be deductible.  For some people, that may vary by state and by income.  If you need advice, consult a tax professional.
Make sure you get a receipt for your donation, you may need it if you ever are audited.  You may also need your receipt if you have your taxes professionally prepared.
Next time you get in hot water with the IRS, just donate a car!
3 easy steps to start a successful online business

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3 easy steps to start a successful online business

work from home, ways to make money, business opportunities, online business

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title:3 Easy Ways To Brand Your Small Business Name
author:Adam Kirby
date_saved:2007-07-25 12:30:07

Not everyone has the ability to spend millions on advertising and become a household name. Especially when you’re just starting out, but you do want customers to remember your brand first whenever they think about a product you make. So how do you brand yourself like Coke, Nike, Yahoo, KFC, or Dell? Here are 3 easy ways to put your brand in the minds of your customers.
1. Brand your small business online presence. Whatever your company name is, you should also have the .com name.
If you run a real-world brick and mortar location named say… Last Drop Coffee Shop, then you should also register and Even if you just put up an informational website rather then selling coffee online, having the extra facet to your brand name can only help.
If you are a self-proprietor, or hold a position such as realtor or insurance agent. You should have Some companies may give you web space like companyname/, but if you need people to remember your name then register it as a domain, and slap it on your business cards.
2. Get your small business on promotional items that people use every day. Giving out calendars, pens, notepads, coffee mugs, clocks, or calculators with your brand on them is a great way to be remembered. Most people don’t staple your business card to the wall, but a good-looking calendar can be in front of a customer 365 days a year.
When buying promotional items, think about the things you use often. Try to be different too, if you give out pens use high quality ones, not a cheap one that will get thrown away.
3. If you can’t tell the world about your small business, at least tell your neighbor. Look at your local market first. For the cost of putting your name in front of every person in the state, you could get your name in front of everyone in your town dozens of times, and repetition is the key. No one remembers the things they hear once; everyone remembers something repeated every day.
For the cost of one super bowl commercial, your businesses commercial could be played 20 times a day, for a full year in front of a local market.
There is an almost endless source of local marketing for your small business. Local newspapers, radio stations, phone books. Also check out more unconventional spaces. How about a banner on the left field wall of your local minor league team, or a press release in a regional journal.
When figuring out how to brand your business, try looking through the eyes of the customer first. Where do they look when they want your product? Do you sell something consumable, when will the need to purchase again, and what’s the best way to keep your business name in front of them. Be creative. Find more information on small business needs at
3 Easy Ways To Make More Money This Year

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Successful business owners all have one thing in common, they are never satisfied with sales levels. Whether you are making $10,000 a year or $1 million a year, there is always a possibility for growth.

Growth only comes when you realize it can happen. You will not grow if you are content or can't see the future possibilities for growth.

Here are three easy ways that you can transform your business from the level it is at, into a profit making machine.

1. Always trac...

make, money, online, business, marketing,wahm,wah,cash,earn,mail,read

Article Body:
Successful business owners all have one thing in common, they are never satisfied with sales levels. Whether you are making $10,000 a year or $1 million a year, there is always a possibility for growth.

Growth only comes when you realize it can happen. You will not grow if you are content or can't see the future possibilities for growth.

Here are three easy ways that you can transform your business from the level it is at, into a profit making machine.

1. Always track statistics

This may seem obvious, but most people never do it. You should always track and gather as much information as possible. Track walk in customers, track purchases, evaulate marketing, monitor amount of purchases, frequent vistiors, non-buying prospects, etc.

With this knowledge you will be more informed as to how you marketing dollars are doing and where you can increase production.

2. Find people you can trust

For my websites I have one person that writes nearly full time for me. I can send her topics for articles or websites, and she does the research and writes well thought out articles. I can pay her in advance and know that she is going to be there when I need writing at the last minute.

You definitely need people you can trust as well. These people may be your managers, family members, or just friends who can help in a pinch.

3. Develop your passion

Sometimes I need to take a drive through the country to remember why I love what I am doing. It is easy to get caught up in the fray of customer service and deadlines, but for me the most productive time is always when I am out of my business element. Use this time away to revive your passion.

Next time you are thinking that it is not possible for your business to make money, remember and put these 3 easy tips into practice!

title:3 Essential Elements of Operating a Successful Business
author:Michael Brassil
date_saved:2007-07-25 12:30:07

Have you ever imagined what it would be like to live your dream? A good place to start would be to recognize that there are three elements, and only three elements, that separate success from failure. If you exercise one of the elements, you might just be successful. Two and you will probably succeed. Three, and you can practically guarantee your success.
What are they? They are deceptively simple, and deep down inside you know what they are. But to purposefully write them down and use them as guides in selecting your dream business will make all the difference in the world. As you go through this exercise, you will dramatically build on your chances of success. Nowhere will it count more than right here, deciding how many of the three essential elements will qualify you to realize your dream.
1. Find a need!
Is there a market niche for your particular product or service? Does the world, or even your community, need what you have to offer? Only by sampling and testing will you be able to determine this with any degree of certainty, but we will be covering this as we go along in greater detail. The most important aspect would be to determine a Unique Selling Proposition for your product or service. Too many business owners are just trying to be me-too companies. You cannot be just like the next guy and expect to prosper in this volatile economy.
One of the most important things I learned from my Dad was, there are really only two things to consider, and next to them everything else is minor. Those two things are: (1) What do you really want? And just as, and perhaps even more important, (2) Are you willing to do whatever it takes to achieve it?
What do you really, really want from this endeavor? What is your ultimate goal? Are you willing to do whatever it takes to achieve this goal? Instead of looking for a business based on how much money you can earn up-front, select a business based on your love for that endeavor. The most successful and fulfilled people are individuals who are following a dream or vision of their own. They are not just out trying to make a buck.
What opportunities can you act upon? Woolworth saw a need for small inexpensive items and opened the chain of stores that grossed billions. Wrigley started giving gum away as a bonus, and seized the chance to expand worldwide.
You must create a uniqueness to your product or service. What can you offer that no one else can offer? Is it a better warranty, improved customer service, more technical support, faster shipping, or lower price? Think of something that will set you apart from your competitors and describe in detail exactly what it is.
2. Be good at what you do.
Are you as good as, or better than, the next guy when it comes to producing/marketing your product or service?  This element requires an honest self-assessment. "What are my abilities?" To determine your abilities you must take an honest inventory of yourself. Examine every possibility and be sure to include strengths and weaknesses. Will your strong points be able to let you overcome your deficits?
3. Have true passion for the business.
If there is one element you absolutely cannot do without, it is passion. Passion is an irresistible attitudinal energy that generates power.  Do you have a passion for working with your particular product or service? Notice, I didn't say "do you like what you want to do?"  There are too many competitors out there who are ready, willing and able to "eat your lunch" when it comes to competing with you. They may have found the same niche that you have found. They may like what they do as much as you do. But what separates the winners from the losers is passion.
What are you really passionate about? If your answer is, "I'm passionate about making a lot of money." That is not the right answer. Making a lot of money is consequence of engaging in a successful activity where you remain motivated long enough to be successful. The key to creating passion is to find and do what it is that you truly love. Passion is the laser-like focusing of our creative life force. We do not create passion. (Don't confuse passion with being a workaholic. Workaholism devours while passion amplifies.)
So there they are, the three key elements to having a successful small business.
title:3 High-Impact Fixes For Your Marketing Woes
author:Allyn Cutts
date_saved:2007-07-25 12:30:06

How many times has your competitor gotten one over on you? The feeling of being left behind just eats away, until you do something about. The problem is that we often feel that we’ve got to come up with some grand plan in order to get our business skyrocketing again. Don’t be fooled! Getting back on top of the market isn’t as tough as it seems with these high-impact, easy-to-use fixes.
1. The Magic Number - 1
Implement a “advertise 1 item at a time” motto for your advertising strategy. Does that mean you can’t SELL more than one item at a time? No... but wait until AFTER the sale.
When a customer sees more than one of a product offered at unbelievably low prices, he’s confused. Which one is the better deal? Which one does he prefer? These questions encourage procrastination - one of marketing’s greatest thieves. Instead, offer the consumer a product that compliments his purchase in a nearby display... or even at the register. You’ll make extra profits instead of losing a sale.
2. Outsmart Your Competitors
Your competition is looking for you in all of the usual places. Don’t go there. Quietly look for new methods of advertising and new markets to target.
Niche markets provide the perfect sneak tactic for reaching new clients. Here’s they key... sub-divide your current market into smaller, more specific niche markets. Familiarize yourself with the needs and concerns of the niche, then present yourself as the pro in their corner. Leave your competition in the dust with the intensity of new prospects that will come your way.
Modernize an old marketing technique that still carries a wallop - postcards. Yeah, these small, inexpensive marketing tools still carry a personal message that is quick and easy to read, but with new high-impact colors and designs that capture the attention of readers. Your competition won’t even know that you’re using them!
3. Encourage Communication
Communication is crucial to understanding your consumers. Encourage questions before the sale, during the sale and after the sale. Make it easy and comfortable.
Provide convenient contact information on all of your sales materials, including Websites. If you find yourself overloaded with questions, create a frequently asked question page where clients can get the answers they need without claiming as much of your time.
Confused customers, tough competitors and communication mishaps won’t steal profits from your account when you fix things up with the 3 quick tips.
Copyright 2005 Cutts Group, llc

title:3 Important Tips for First Time Home Buyers
author:Jeffrey S. Ragan
date_saved:2007-07-25 12:30:07

When looking at tips for first time home buyers, you've come to the right place.
Many people are looking all over the Internet for reliable information. There's over 761,940 websites (as of March 05) with information or online forms urging you to fill them out for more details.
While I certainly agree the Internet is a great place for obtaining tips for first time home buyers, it can also become a real information overload as well. So I want to give you some tips that can help in your search.
Tips for First Time Home Buyers #1
Don't be too quick!
Avoid giving out your personal information like Social Security number, date of birth etc. at every website that asks for it. This is the single biggest mistake I've seen made. Some first time home buyers in their zeal to get started do this.
The problem is this, many sites will require this information before they'll give you any details. They start out with a simple, name and address screen, then lead into screens that ask for more personal details.
At all costs, hold off giving out this private information. You will have to at some point in time. But, not until you've learned about the mortgage process should you do this. What happens when you fill in the forms online? Your e-mail box will be flooded with loan offers.
Many places tout they'll have 4 lenders or even more give you quotes. Guess what? Nearly every one of these lenders are going to run a credit report. If you have numerous inquires in your credit in one month, this can affect your credit score.
Another reason to be careful here is that most of these websites are just lead generators. The company or webmaster will sell your information to one or perhaps even more sources and then we have a BIG problem. It can costs you in your credit score. The lower your credit score, the higher your interest rate will be. The higher your credit score the lower your interest rate.
Let me tell you a quick little story. I once was dealing with a person who wanted to refinance. We had gone online and fill out several forms at different websites. By the time he got to me, when I was able to look at his credit score, he had over 100 inquiries in his credit in one month. His credit score was so low I could'nt help him.  Save yourself this grief, be careful!
Tips for First Time Home Buyers #2
Work with someone you trust.
How can you determine if that person is honest and trustworthy? Listen to them closely. Are they trying to hurry you along to get your personal information? Or are they taking the time to explain things and help you to understand exactly what you're about to get into?
Buying a home is the single biggest investment most people make in their lifetime. Then afterwards, managing that debt is important also. You want to work with someone who will help you do this. They should be interested in a long term relationship with you.
Over your lifetime you'll get more than 1 mortgage. I know, it's hard to imagine that now, but statistic's show that on average people move or get a new home loan about every 7 years.
Having someone you trust, that has your best interest is what you need. I look at it this way, if I do a good job for you, you might tell 1-2 of your friends. If I did a bad job for you, you'll tell 100 of your friends.
I build my mortgage business 1 loan at a time. I love referrals so I take a personal interest in each and every borrower. My customers talk about me to their friends!!
Tips for First Time Home Buyers #3
Choose your Loan Officer wisely.
Now because of the Internet, home lending has become a big business. Mortgage Brokers and Lenders have popped up everywhere. Many have also fallen by the roadside at the same time.
The money business is HUGE! Did you know that over 1.3 TRILLION dollars changes hands around the globe everyday?? When you start to think about it, it staggers your mind.
Your First Time Home Buyers loan is just a very small part of daily business.
There's a big difference between a lender and a broker. Brokers are middle men between you and the lender. They get paid for brokering your loan. They also can help you get loan offers from many lenders. Since the mortgage broker gets wholesale pricing, this can be good if it's done without running your credit every time. That's why I say choose your Loan Officer wisely.
Many times when working with a broker, you may not know who your lender is until the day of closing. Again, this is still alright if your loan is locked, you know all the details of the loan product and so forth. What's important is that the Loan Officer has revealed all the correct information.
Is it a fixed rate loan? Is it an ARM? Is the interest rate what he quoted you in the beginning??
I can't tell you how many times I've heard horror story's about last minute changes. The buyer finds out that their closing costs are more, the interest rate is higher etc. When you're at the closing table, the buyer's there, the seller and the realtors. Emotions are running high! What are you going to do??
If you go ahead and close because the pressures on, it's going to cost you thousands of dollars over the years. Many ruthless loan officers have done this to first time home buyers and just don't care. They may never see your face anyway. You're just a paycheck to them.
Working with someone you trust can help avoid this problem and save you money. Dealing with a loan officer who is on your side will protect you. Nevertheless if you've been taken advantage of, this is a RESPA violation and they should be reported.
3 Key Secret Components For Wholesale Profit Success

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Everyday it is getting more attractive to start selling wholesale items online and offline because of the profit potential many products carry. Now a days if you plan to make a part-time income or make a full-time living by selling wholesale items, you need to know three basic components that almost every seller online and offline do not use to their advantage.

In order to have success within the wholesale business you need to follow the three steps key components 98% aver...

Wholesale video games, video games wholesale, video games distributor, video games supplier

Article Body:
Everyday it is getting more attractive to start selling wholesale items online and offline because of the profit potential many products carry. Now a days if you plan to make a part-time income or make a full-time living by selling wholesale items, you need to know three basic components that almost every seller online and offline do not use to their advantage.

In order to have success within the wholesale business you need to follow the three steps key components 98% average Joe marketer does not apply and fails to recognize as vital important factors for company short-term and long-term success as competition is getting heavier every day, such key steps are:

Key Component Number 1: Research. Product and market research both online and offline is a must for the initial start-up success of a potential profitable wholesale business.

You need to discover what wholesale items are profitable, which items are viable and saturated, item acceptance-nationally or worldwide, market population, item conversion rate, return on investment and competition research to name a few.

Know how to make this research before deciding to sell a product and more importantly, a wholesale item. Since when we sell wholesale, profits are less since we sell to merchants, retailers or clients and therefore need more research time to enjoy possible future profits.

Key Component Number 2: Test. Most successful businesses test their product and system before even starting to sell the main item both online or offline.

One of the tools you can use for your immediate advantage is the use of surveys. By using and completing a survey to a potential customer, you obtain valuable rapport on customer likes and dislikes about your idea, product or business concept. Use this free survey resource to your advantage before selling for immediate feedback.

Key Component Number 3: Take Action. Start offering the wholesale item for a fee and gather final conclusions if your item will or will not sell. By doing the proper research, testing and getting into an action process mode, you will win or lose money. No matter what happens in your sales experience with your new item, you earn profits or you gain considerable knowledge and experience.

Very importantly, you must take action with your new idea or recurring wholesale business venture as doing so will increase your experience and potential profit success within your niche and industry.

3 Lifesaving Tactics to Stay Afloat In a Constantly Changing Marketplace

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Let’s face the facts... old-fashioned marketing tools aren’t going to keep your business a growing and prosperous entity in today’s marketplace.  Hey, this month’s hottest techniques and information will be obsolete in six months.

advertising, markets, products and services

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Let’s face the facts... old-fashioned marketing tools aren’t going to keep your business a growing and prosperous entity in today’s marketplace.  Hey, this month’s hottest techniques and information will be obsolete in six months.  Now, I’m not saying that old marketing principals can’t be upgraded and incorporated successfully, but as a rule marketers have to stay on top of the latest marketing trends.

If you’re wanting to stay ahead of your business savvy competitors you’ll need to implement 3 tactics to stay one step ahead.

1.  Watch For New Advertising Methods
You never know what will work for you unless you take the time to experiment!  Who knows?  The next marketing experiment you test may be a million dollar idea.  Keep your eyes peeled for the latest marketing news. 

It never pays to put all of your eggs in one basket.  Don’t neglect the tried and true marketing tools that have been successful in the past.  Invest about 20 percent of your advertising budget and time into testing for new marketing strategies that will increase your profits.

2.  Spruce Things Up
Don’t get stuck in a rut.  Yeah, you have products that have been successful for years, but what would happen if you gave them a “face lift?’ Would you attract new customers?  Would your old customers enjoy the change?  You’ll be surprised at what a new packaging will do for old product sales.

Sprucing up doesn’t have to stop with your products.  A few minor changes in the store appearance can bring new life to your place of business as well.

3.  Diversify
The more products you have to offer, the more insulation you have against the decline in popularity of one particular item.  Don’t go out on a limb, when you’ve got a good thing going.  Look for products and services that compliment your current products and services. 

Don’t let the speed-of-light changes in the market take your business under.  Stay afloat with these proven tactics.

3 Million Items and Counting, Bidville Becomes Big Business

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Since their introduction, online auction sites have been making e-history as some of the most popular destinations on the Internet. From designer-label clothing to grandma's jewelry to cars and even houses, anything and everything imaginable can be auctioned off online.

3 Million Items and Counting, Bidville Becomes Big Business

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Since their introduction, online auction sites have been making e-history as some of the most popular destinations on the Internet. From designer-label clothing to grandma's jewelry to cars and even houses, anything and everything imaginable can be auctioned off online.

People who place items for sale on auction sites are attracted to the prospect of building a business from home with no morning traffic jams and little required capital to start. And bidders are drawn to the unique shopping opportunities and the potential to purchase hard-to-find items from all over the world.

Increasingly, buyers and sellers are discovering the unique benefits of using emerging sites rather than the giants of the industry, such as eBay. is one such site that has been quietly gaining momentum in the wake of eBay's ongoing fee increases.

Bidville started in 1999 primarily as a sports card auction site, but began expanding its merchandise base in late 2003 to take advantage of burgeoning market opportunities. Throughout 2004, its membership base increased to nearly 1 million members and the number of items listed daily reached 3 million. In addition, the site now has more than 600 "storefronts" that sell anything from collectibles to electronics at a fixed price.

Bidville markets itself as "the alternative auction site" because it does not charge listing fees. Rather, sellers pay what's called "final success fees" after their items sell. These fees, at no more than 5 percent of the selling price, are lower than what other sites charge.

So what is the key to Bidville's success? The company is striving to expand its growing community of loyal members and makes it a policy to give them personalized attention. While most auction sites answer questions with an automated reply, Bidville has live customer service representatives who respond to all queries within 24 hours.

In its extensive community section, there is ample opportunity for member interaction via the Member to Member Help Desk, the Bidville Cafe, where members can share stories and make friends, and the Sellers Forum, where members can discuss successful selling tips and offer suggestions for site improvements. A special charity section allows nonprofit organizations to use Bidville to raise money for good causes.

title:3 Mistakes to Absolutely Avoid in a 1031/TIC Exchange
author:Paula Straub
date_saved:2007-07-25 12:30:06

We've all made bad decisions in the past.
Don't you just hate to hear "I told you so" from your friends and family? Or, maybe you catch yourself saying "If only I'd have..."?
Personally, I'm one of those people who prefers to learn from someone else's mistakes.  If you're at all like me, and you have thought about doing a 1031 exchange into a tenant in common (TIC) property, take note. You can avoid making the 3 Major Mistakes that others wished they knew before leaping from the frying pan into the fire!
Before I let you in on the secrets, let me briefly explain what a 1031 exchange into a tenant in common property is. It's a fairly well-kept secret in and of itself.
A 1031 exchange is when an investment property owner sells his current property and exchanges it for a "like-kind" property of equal or greater value. By doing so, he defers the payment of capital gains tax and the consequences of recaptured depreciation.
By exchanging into a tenant in common property, or a TIC, he becomes a part owner of a large commercial property managed by professionals, who in turn pay him a monthly income.  It comes with fewer strings than private annuity trusts, charitable remainder trusts, or an exchange into another property that still needs your attention and often drains your wallet.  I find that very few individuals, CPA's, attorneys, or even financial advisors are sufficiently well versed in the 1031 exchange into a tenant in common property. It can be a terrific deal!
Those who benefit most from this type of an exchange usually have several things in common.
1. They own investment property that has appreciated significantly in value.
2. They are tired of all the hassles of property management.
3. They don't want to pay huge amounts of capital gains tax if they sell.
4. They would like to have a significant increase in monthly passive income.
5. And, lastly, they still enjoy the relative stability of owning real estate.
Know of anyone who fits this description? If so, read on.
There are 3 Major Mistakes that can turn your investment into a nightmare. So, avoid these at all costs when contemplating this type of exchange.
Mistake #1: Dealing with an investment company that does not have their act together. If they seem like they don't know what they are doing, run! Look into their history of TIC offerings, and ask for referrals from satisfied clients. Ideally, this should be their only business. Are all their properties "A" grade commercial buildings, or are they somewhat less desirable? Ask how they find the properties and what criteria they use to select them. Quality properties are hard to find and sell out quickly. In real estate, the quality properties will remain more desirable, even when the mediocre properties start to lag. Ask yourself if you would like to have your office in that building, or go to see your doctor there, or if you'd shop in that strip mall.
Note: Also be cautious going the private route and getting into Limited Partnerships when only one or two major players make all the decisions. And, unless you have extensive experience in commercial property, don't get together a bunch of your friends and choose this property on your own.
Mistake #2: Choosing an Accommodator that has not done many, many of these transactions. This Qualified Intermediary makes sure all the documents and money transfers meet all the IRS guidelines. They will set up your LLC. You must use an Accomodator that you don't already have a relationship with. Your family attorney or estate planning attorney may not qualify. The last thing you want is the IRS sending you a hefty bill for taxes or penalties, or the whole transaction falling through due to an incompetent or inexperienced Accommodator!
Mistake #3: Skimping on the property management company. They are extremely crucial to the performance of your investment. You will be depending on them to handle the day to day problems that arise, carry the proper insurance, pay the property taxes on time, and keep your building fully occupied and in tip top shape. This company should offer you a long term triple net lease that has your annual income percentages spelled out, along with scheduled increases. There aren't many out there willing or able to do this. Ask for an accounting of their track record with other properties, how long they've been in business and for a list of any judgments brought against them. See if they've ever requested special assessments, or had any foreclosures. A good management company is worth its weight in gold. You want them to make a tidy profit, because their performance is directly related to your investment stability.
Well, there you have it. Don't be "Penny wise and Pound Foolish". This is one time that hiring the best will definitely bring you the most favorable results. It should truly be a win-win situation for everyone involved.
By avoiding the 3 Major Mistakes for a 1031 exchange into a tenant in common property, you will be the one saying "I told you so" as you collect your monthly check and watch your investment grow!

title:3 Money-Making Reasons to Display Your Newsletter on Your Website
author:Roger C. Parker
date_saved:2007-07-25 12:30:06

Seeing is believing. Unless your website visitors can experience your newsletter and appreciate its value, they’re unlikely to join your opt-in, email list. By posting your newsletter on your website, you encourage more visitors to subscribe and you drive more profitable traffic to your website each month.
- Growing your opt-in email list is one of your most important goals. Your success depends on encouraging a high percentage of website visitors to provide their email addresses and permission to contact them for free via email. Most websites expect visitors to opt-in to email lists without first providing an opportunity for visitors to ‘test drive’ the newsletter. This is like wearing a blindfold when shopping for a car! Thumbnails, reduced size images of newsletters, are not the answer. Visitors are not able to read the value of its information before signing up. As a result, only a small portion of website visitors subscribe and - of those that do – many quickly unsubscribe.
- Your second biggest goal is to monetize your educational One-Page Newsletter by generating immediate sales. For the first time, you can display your newsletter in the context of other text and graphic elements on a web page. Next to your newsletter, for example, you can display links to promotional coupons or links to special offers described on other pages of your website. This is important because fewer and fewer firms are distributing formatted newsletters as email attachments. Instead, they are driving traffic to their website each month by sending short emails announcing the page on their website where they have posted the latest issue. You can now easily convert this traffic into sales!
- The third money-making reason for displaying your newsletter on your website is higher readership. More visitors to your website will likely read your newsletter because they don’t have to first download it. This leads to more sign-ups. The more attractive and informative your newsletter, the more likely visitors will sign-up to receive it. You can prove the consistent high value of your newsletter by adding descriptive links to earlier issues.
Although Acrobat Reader PDF format is ideal for distributing newsletters with typography and formatting intact, it is not useful for previewing newsletters.
Macromedia’s Contribute 2 is a software program that incorporates Flash Paper technology. With Contribute 2, you can easily add a readable, zoomable and printable version of your formatted newsletter to a page of your website.
This means that visitors to your website, without doing anything else, can immediately read and print your newsletter. The newsletter on your website will be an exact replica of the original.
Flash Paper versions of your newsletters complement Acrobat versions of the copies you print on your office printer. For the first time, you can combine the credibility and constant visibility of educational newsletters with sales created by free, targeted promotional messages.
3 Powerful Tips for Getting into the Right Business for You

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In two previous articles, I answered one of the single most frequently asked questions I'm asked. Although it's asked in many different ways, the question really boils down to... What's the best "right" business or profession to get into if I want to get rich? In this article, I'll share with you three powerful tips for getting into the right business or profession for *you*.

business, rich, profession, wattles, wallace d wattles, wallace wattles

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Copyright 2006 Tony Mase

In two previous articles, "The #1 Best Business to Get Into if You Want to Get Rich" and "How You Can Find the Financial Success You're Seeking", I answered one of the single most frequently asked questions I'm asked.

Although it's asked in many different ways, the question really boils down to...

What's the best or the "right" business or profession to get into if I want to get rich?

Regardless of how it's asked, my answer is always the same...

A business or profession which you like!

If it uses your strongest abilities, skills, or talents, all the better. If it doesn't, no big deal, you can develop the necessary abilities, skills, or talents as you go along.

Here are three powerful tips for getting into the right business or profession for *you*:

Tip #1 - Take a close look at what you *don't* like to do.

Although I don't generally recommend looking at anything from a negative perspective, there are times when it's helpful and this is one of them.

One of the easiest and fastest ways to narrow your search for the right business or profession for you to get into is to figure out what the wrong business or profession for you to get into would be.

For example...

If the very thought of selling something to someone makes you want to...


Let's just say...

Throw up...

Then I'd suggest you don't consider any business or profession that involves sales or at least direct sales.

I can tell you from personal experience...

If you get into a business or profession that you don't like, you'll be miserable in the process and ultimately you'll fail.


Why set yourself up for misery and failure ahead of time?

Tip #2 - Take a close look at what you *do* like to do.

It might be something you're doing now or have done in the past to earn money. It might be a hobby or special interest of yours. It could even be related to a class you took in school or a particular subject you're interested in...


Absolutely anything!

Remember this...

You can get rich in *any* business or profession.

There are folks right now, right this very moment, who are getting rich in *every* conceivable business and profession...

And so can you!

There's a way or ways you can get rich doing absolutely *anything* you like to do.

Here's a great example...

I know a gal who earns a *serious* full-time income doing exactly what she likes doing better than anything else...

Going to tag sales (also known as garage sales or yard sales depending on where you live) and buying "stuff".


There's a downside...

She really doesn't like selling her "stuff". She finds the selling process boring and tedious. She gets all her "jollies" from finding and buying her treasures.


How does she possibly make any money?


She's developed a rather elaborate network of dealers willing to buy her "stuff" in their specialty areas at wholesale prices from her, consignment shops willing to sell her "stuff" for a percentage of the sale, and she has someone who sells her "stuff" on eBay for her (who, interestingly enough, likes the selling process but doesn't like to go out to find and buy "stuff" to sell) for a percentage of the profits.

Although she makes less money per item doing it this way, she makes far more money in the long run because it allows her to massively do the one thing she likes to do better than anything else...

Going to tag sales and buying "stuff".


There's a way or ways you can get rich doing absolutely *anything* you like to do.

Tip #3 - Take a close look at your strengths and weaknesses.

The ideal business or profession for you to get into would be one that you like doing and one that makes use of your strongest abilities, skills, or talents.


Although you should consider them, your abilities, skills, or talents shouldn't be your first consideration when choosing a business or profession for you to get into.


Two reasons...


There may be all sorts of things you're good at that you don't really like doing all that much.


There isn't any ability, skill, or talent that you can't develop if you want to.

In his book "The Personal Power Course", Wallace D. Wattles, best known for his classic masterpiece "The Science of Getting Rich", wrote:

"Perhaps the most essential part of wealth-culture consists in finding the place where you will be happy in your work."

When you're "happy in your work" your work ceases to be work and it becomes fun.

Your "fun" combined with constructive thought and constructive action can make you rich!

title:3 Proven Secrets That Will Absolutely Explode ANYONE'S Income... Guaranteed
author:Grey McKenzie
date_saved:2007-07-25 12:30:07

I'm going to absolutely show you a simple but powerful way to move from where you are now, into a much higher level of success than you've ever dreamed possible.
My name is Grey McKenzie and I've been successful in everything I put my hand to once I learned to apply these simple principles and techniques I'm about to share with you.
I absolutely guarantee, if you apply what I show you here, you will have more success than you ever dreamed possible.
Whether you're a seasoned business veteran, or just starting out in the world, there are proven ways to fast track whatever goals you have. There are certain underlying principles that will absolutely improve your chances of success.
So lets get to it.
I can tell you in 5 minutes of being around you if you have what it takes to be a success... I'm not bragging, I'll even show you right now how you can tell yourself if you or someone you know has the potential to be successful.
Below, in my opinion, are the two predominate personalities on the earth today...
Which one are you?.
The Lion Personality...
These people rarely speak first, they will listen intently to information that is presented to them, and if it makes sense, they will apply what they've just learned to there situation.
Lions are solution oriented people.
Lions may be afraid of change, but they're more afraid of staying where they are.
Lions will take a risk if there is a good probability of achieving their goal. They generally are never completely happy with where they are in life, and have a very strong desire to grow and move ahead.
The Lion is usually always hungry for change and it shows in everything they do. A Lion personality can be aggressive at times, but they are definitely the type of people you want on your team.
The Jackal Personality...
No matter what anyone tries to teach them, they will have a better way of doing it.
A Jackal is usually living in fear. They are afraid to take chances. They are afraid of change. They are afraid of anything they aren't familiar with. If a Jackal personality is around a Lion personality, they will do everything in their power to hold the Lion back.
The Jackal type personality doesn't want anyone close to them to improve themselves, they just want things to stay the same. Jackals love to live in comfort zones.  They don't want to stretch out and claim new territory and they're always looking for an easy meal to prey on.
Jackals are the people you MUST ABSOLUTELY AVOID LIKE THE PLAGUE if you want to be successful in any area of your life.
Your first step to success is, you need to decide if you are a Lion or a Jackal
If you are a Jackal personality you might as well stop reading right now because I don't want to waste any more of your time. I don't mean to be harsh, but you will read this information and you won't do anything with it.
Is it possible for a Jackal personality to turn into a Lion personality? Absolutely, but generally it will take a life shattering experience to move from a Jackal to a Lion.
Now that you know what personality type you are, lets get down to it.
Here is the roadmap for success in every area of your life...
-- End From The Beginning
The first thing we all need to learn, is to have a vision of where we are going and how to get there. If I dropped you in a strange city, and told you to find a building you'd never seen before, you'd have a very hard time locating that specific building wouldn't you?
Now if I dropped you in the same city and gave you a map and an address, you'd suddenly find it very easy to locate the building... right?
It's EXACTLY the same with ANYTHING you want to get out of life...
If you don't have a map on how to get there, chances are you never will. So how do you build a map of somewhere you've never been? Simple. Here's how you do it.
Get out a piece of paper and write down the job of your dreams... I'll wait. Don't fudge on this part, DO IT !!!
Ok put the paper aside and read on. You can go back to it later.
Now here's how you create a road map to your dreams. This example can be applied to every area of your life that you want made better. Your health, your marriage, your finances. Anything you want to dramatically improve just apply this simple technique.
Ok just for example sake, lets say you want to be a successful real estate agent.
Write that down on your piece of paper and then backtrack... WRITE DOWN EVERY STEP IT WILL TAKE WORKING FROM YOUR DREAM BACKWARD... in as much detail as you can think of.
For Example what will you need to become a successful real estate salesperson?
-- Real estate license
-- Decide which real estate broker you want to work for
-- Learn how to get lots of clients
-- Find a very successful real estate person and learn their secrets
Are you starting to see how to develop a roadmap to your dreams?
Of course your roadmap will have much more step by step details than what we've written down so far. Then go over and over it again outlining every step you will need to take to get where want to be.
And then once you have the roadmap, you need to plan your trip.
-- Time Management
It doesn't matter who you are or where you've come from, everyone needs to manage their time effectively. Time is the one thing that once it's gone, you will never get it back.
If you are serious about achieving your dreams, you MUST manage your time and the people you network with efficiently. I highly recommend you get yourself a time management software package. The one I use and highly recommend is called Time & Chaos
Once you have organized your time and your contacts, the next step, in my opinion is...
-- Find a Mentor
No matter what project you are undertaking, there is almost always someone, who has gone before you. These experts can save you months if not years of your life...
If you can get your hands on "how to" information showing you how someone got where you want to be, GET IT AT ALL COSTS... source this out with all diligence. This information can catapult you into your dreams faster than you could even imagine.
OK so you're probably saying how can I get someone to show me their secrets?
Believe it or not there are thousands upon thousands of downloadable information products written by experts who have done pretty well everything you can imagine. All you have to do is search them out. Check their credentials, and buy their product.
If it seems to easy, it is... Your only hardship is to investigate the "expert" and see if they really have done what they say they have. If you're not familiar with Google it's very easy to use. Just type some ones name in the search bar and hit search. You'll find out soon enough if they can do what they say they can...
Now go back to the piece of paper you wrote down your dream job and start building the roadmap to your dreams...
I wish you great success in everything you do...
title:3 Reasons why to Accept Credit Cards by Phone
author:Kevin Cross
date_saved:2007-07-25 12:30:06

Conducting business today, whether  online or offline, Is much more  convenient than before using a  simple and Inexpensive way by  accepting credit cards by phone.  This Method of accepting payments  is turning the heads of Business  owners and making it possible for them to Conduct business right from  their phone without leaving Their  home, office or vehicle.
How can accepting credit cards by  phone provide convenience?
Accept by Phone is a new technology  which allows a company To accept  credit card payments by simply  typing the card Number and sale  amount into a telephone. This  service is so Popular that it was  featured in the September 2004  Issue of Limousine Digest, Page  14 and in the May 2004 issue of  Small Business Opportunity Magazine.  There's no terminal or Equipment  needed. This new service gives the  business owner A convenient and  Inexpensive Way of accepting credit  cards While Increasing Profits.
The 3 Key Reasons Include:
Convenience - Strategic Approach  - Call To action
The convenience of accepting credit  cards by phone is that Business  owners now do not have to put the  customer on hold To get back to  the their home or office to accept  payments For their products or  services. They can stay in their  Vehicle, on a job site, in a  restaurant or even while at the  Gym to conduct business as usual  without any delay. Not only Is  this good for the business owner,  the customer can now Relax knowing  their purchase has now been  processed using a Safe and secure  environment without any hassle.
Strategic approach defines the  convenience of accepting Credit  Cards by phone using a mind-set  supported by focusing On the  customer and their needs at all  times. This means Getting the  right products and services to  the right customers In the right  way at the right value, all while  making a profit. Thinking about  this all the time keeps your  customers fresh And willing to  do business with you.
Call to action helps define what  business you are really in to  produce results for your customers.  This enables you to Close more  sales faster and easier. This  will also help you Pay attention  to what works and what doesn't  while forming A habit to be a  continual contributor to your  ongoing Marketing efforts. When  a person is ready to purchase  your Products or services, your  call to action will help convince  Your customer that safety and  reliability is present.
When you provide a full service  payment solution, with no  Equipment or software. Your  business is readily available  To the customer at all times.  No matter where you're located,  You can accept payments by the  touch of your phone.
title:3 Sensational High Profit, Low Cost Internet Business Models That You Can Set-Up Today (And Start Seeing Profits Tomorrow)
author:Tuks Engineer
date_saved:2007-07-25 12:30:07

If you would like an insightful and, dare I say it, profitable glance at the best internet based business models then you’re in for a bit of a treat. This article will investigate those proven high profit internet based models that require only minimal capital outlay but have the potential to generate profits very quickly (yes, within 24 hours).
It is far easier, cheaper and rewarding to start an online business than an offline one. The models we’ll look at in this article do not take a genius to start. Let’s get going:
**1. The Membership Site Internet Model – The internet has made accepting payment an automatic and hassle-free experience. When you set-up your own membership site you’re either offering premium information (ebooks, general content in a protected server, tutorials) or software on a particular theme or topic.
There is no shortage of potential topics for your membership site. It’s possible to charge anything from $10 to $500 per month depending on the quality and perceived value of your protected contents.
The benefits of setting up a membership site are huge. For instance your overheads are practically zero, you can deal with pure content that is delivered digitally and (the holy grail of earning online) you are assured regular residual income, month after month.
However, you do need to be very well organised – plan your publishing schedule for the entire month (and note down your long term objectives for the site too). You will also have to ensure you can provide quality content month after month and will need some degree of technical know-how in setting up a protected site (although these days you can purchase point and click software that will do all the work for you).
The possibilities for the membership site business model are endless – with several niches offering customer bases that run into the millions there is always space for a quality niche membership site.
**2.  The SUPER AFFILIATE Model – You may have heard the term “super affiliate” or “super associate” before. What exactly do these terms mean? A super affiliate is someone who is extremely good at selling other people’s products or services.
The advantage of the super affiliate model is that you spend no time on creating the product or customer service issues. You simply have a method of getting traffic to quality sites and enjoying the sales commissions generated. The biggest challenge faced by affiliates is that for a good product they are competing against tens, hundreds and sometimes even thousands of other competitors.
So how do you get past the competition? You do two things – first create your own unique sales promotion tools (for example a viral special report), and you also offer customers special bonuses that they can only get when purchasing through your affiliate link. These two pointers will go a long way towards making you a super-affiliate.
Affiliate commissions vary in size – paying anywhere from just 5% to even 90%. As an affiliate you should determine which products to promote and create a plan for them. Here’s a very strong tip – promote as many products as you can that pay a monthly recurring commission. This way you get paid for months (or years) after the initial sale.
**3. The eBay Power-seller Model – eBay boasts monthly page views that numbers in the billions. Think about that for a second – it’s a HUGE base of targeted prospects and you can use this to set-up a thriving online business.
As always you need a plan of attack. What will you sell? Will you stock physical products or opt for a drop-ship solution. How will you accept payment?
One important consideration on eBay is developing a “unique selling point” – this is something that makes you different from your competition and can be the difference between luke-warm income and turbo-charged profits. It’s worth spending a considerable amount of time planning your USP.
If you’re selling a physical product can you combine that with a unique info-product about that niche? It’s really quite simple to produce an eBook or purchase the rights to one and offer it as a high value bonus to those who bid on your product. Do you notice that I said “bid” and not “buy”? Why? Because if you promise a copy of the info-product to all bidders you will generate more bids and (the best part) assuming your product is branded with your site/ebay store you will drive targeted traffic to it. Simple yet very effective.
So we’ve looked at three internet business models that you can implement quickly for surefire profits. Believe me, this is only scratching the surface – as you establish yourself online and learn more you will discover that there are many more simple methods of creating several powerful income streams online. Stay focused, have a quality blueprint to guide you and you will do far better than you ever imagined possible.
Best of luck!

title:3 Sides To "I Already Submitted My Resume"
author:Brett Stevens
date_saved:2007-07-25 12:30:07

Candidates who submit their resumes online to job boards, or what they believe to be direct to hiring authorities, run the risk of three common problems. These include:
Number One: Who reviews resumes submitted from the internet? Usually, it’s not an executive or the immediate hiring authority. Many times, screeners have no industry expertise in the key attributes they’re screening for. Many companies hire part-time or temporary employees to screen (and discard) potential candidates. Qualified, established recruiters use industry expertise and a phone call to screen qualified candidates. Good recruiters take the time to speak with many qualified candidates before setting the parameters on who to move forward with.
Number Two: The internet does not screen qualified candidates. Matching candidate needs with corporate hiring requirements is hit or miss through the internet, depending on which side of the screen one sits. A candidate becomes only as good as the corporate screener reads and understands the resume – nothing more.
Number Three: Once submitted through the internet, recruiters add no value to any candidacy. If recruiters try, their efforts are viewed as self-serving or as a desperate move on the part of the candidate or as a trick to “smooth” over a perceived shortcoming of the candidate’s credentials. None of these achieve the desired result of screening qualified candidates, interviewing potential employees and matching hiring needs with candidate needs.
Call us today at 770-517-2660 to see how you can benefit from partnering with The SearchLogix Group.
The SearchLogix Group is a full-service executive search firm. Why not call us today ... 770-517-2660.
Need the number of an executive recruiter who "gets it?"
3 Simple Business Opportunities Review

Word Count:

Canadian carpenter hangs up the tool belt for online business. Gives an honest review of online opportunities.

Make money at home, home business, money, rich jerk, work at home mom, internet business

Article Body:
Honest Business Opportunities Review. Finally an honest way to make money online.

Tired of business opportunities that do not deliver what they promise? We have reviewed the top selling programs on the Internet today. Below you will find a link to reviews of the top 3 opportunities that actually work.

The key to making money online is knowing how and where to start.

Without the right starting point you will waste precious time and a ton of money. The following products guarantee your online success, all you have to do is read them and follow their expert advice! All programs provide a 100% money back guarantee, require little or no experience, offer a step by step guide, and use proven strategies that will make you money.

These programs are simple to use, have a small investment price, and you are able to see results usually on the first day! Now you won't make millions overnight, like some programs promise, but you will build a nice part-time income that can certainly help with the bills (everyone I know wouldn't say no to an extra $500+ bucks a month).

You might even consider using all the suggested programs and over time replace your existing income. That's what I did, and lord knows i'm no "guru", actually i am a journeyman carpenter from Canada that just wanted a nice online hobby business. I wasn't expecting great things, just some extra cash, some "FUN" money. Now these programs have really taken off, I spend more time with my family and playing in my shop. I never expected this business to explode for me!

Check out our new #1 Pick! This one is rated the #1 Opportunity for making money online.

Warm Regards,
Dwayne Armstrong

title:3 Simple Filing Guidelines
author:Maria Gracia
date_saved:2007-07-25 12:30:05

One of the most basic ways to find papers when you need them is to retrieve them from an effective filing system. A good filing system will allow you to find what you're looking for in 10 seconds or less.
Here are 3 simple filing guidelines that can help:


A filing system is only effective, if you can find everything you need, when you need it--without a struggle. And all good filing systems have different categories of papers. Your papers are either going to fall into a MAIN category, or a SUB-category.
For example, a main category might be FINANCIAL. Some sub-categories within Financial, may be:

Savings Account
Checking Account
Money Market Account

In your filing cabinet, your main categories should always be hanging file folders with a labeled tab. Your sub-categories should be labeled manila file folders inside the appropriate main category hanging folder.

For the most part, people choose to use one, or a combination of, these basic filing systems:

Alphabetical (A, B, C, D, etc.)
Numerical (1, 2, 3, 4, etc.)
Chronological (Jan, Feb, Mar, Apr, etc.)

The one you use, depends on what you're using it for. For example, if you need to keep files for all of your customers (or associates, friends, etc.), alphabetical by last name usually will work best.
For sequential case numbers or projects that are numbered, a numerical system would probably work best.
If it is necessary for you to find things by date, then chronological may be your choice.
Some people get really creative and use a combination of these systems. For example, you may want your main categories to be chronological, but the sub-categories inside to be alphabetical.

If a file isn't labeled properly, it's not going to be quick and easy to find:

Always write your subject on the tab of the file folder, close to the top of the tab, so you can easily see it when you're looking through your files.
Use a medium point, black marker to label your files. Print; don't use script.
Use as few words as possible on the tab.

title:3 Simple Keys Will Make Your Customers Stick
author:Denise O'Berry
date_saved:2007-07-25 12:30:06

Do you spend a lot of time and energy courting prospective new customers, hoping to pump up your bottom line? If so, you're probably missing an untapped source of sales that exists right inside your company -- there's truth in the statement that your customer list is your most valuable asset.
There's a gold mine of opportunities to make easier sales and create a loyal following of customers that will return time and again by using your existing customer base to grow your sales. But when I ask small business owners what action they are taking to keep in touch with current customers, the answer is normally "we don't."
How do you turn a pile of dusty invoices and sales receipts into profit generators for your business? How can you create loyal customers who will return time and again to increase your small business bottom line? There are three keys to creating customer loyalty.
1. Know Who They Are
Do you? Compile and maintain a list of your customers. Track their habits. Monitor your list so you know when they are doing business with you differently. Then ask why.
2. Know What They're Worth
I overheard a remark the other day. It was, "Oh, that lady. I barely pay attention to her. She comes in twice a week, but only spends about five dollars. What a waste of my time." Have you had the same thought about any of your customers? Before you dismiss the customer that only spends five dollars, take a look at her long-term value. How often does she purchase over time? How many people does she refer to you that have the same spending habits? A $5 customer can really be worth over $50,000 in the long term and should be treated like a queen.
3. Take Action
Your customers are busy people. They need to be reminded that you exist and how you can eliminate their pain (wants or needs). Have you ever received mail from a company and decided to save it so you could "check them out later?" Then you find that piece of mail in your "to do" stack months later and realize you never contacted them. Your customers do that too. You have to remind them. Often.
Customer loyalty is not rocket science. But it does take consistent effort. Over 90% of small business owners are letting money walk out the door of their business each and every day. Are you one of them?
Use Guidelines: May be used in any medium online or off that is opt-in. Resource box must be included with active link (online).
title:3 Steps To Create Better Website Graphics!
author:Andrew Eaton
date_saved:2007-07-25 12:30:06

Does having an ebook cover or mini-site header graphic on your website increase your sales or does it hurt your business in through long run.
Having been in the graphic design business for over 2 years now, here are a few things that I’ve learned that it all comes down to; professional images. Do your graphics look good enough? Do they have the right designs?
What do I mean?
Well let’s say that your websites sells an audio product - cd about a recent interview you did, Now lets assume you have some great website-designs but what would happen if you had an ebook cover on your website, well you would probably get a few sales, but it wouldn’t sell great.
Now lets see what would happen if you had an image of a cd with a cd case. How much better would your sales increase, well first thing would be that your customers would see the cd product and know instantly that the website sells an audio product, there are hundreds & thousands who are actively seeking audio products. Your sales would increase just by showing the graphics of an audio cd.
Now by all means I wouldn’t recommend going out and creating an audio cd, unless you have people actively seeking your target market and you can write a decent sales letter.
If you take all of the popular and hot selling products online & offline what do they all have in common?
You guessed it - website graphics, which consist of;

header panel
ebook cover
order button
background image
footer image

Just by having any of the above graphics on your website, you can dramatically increase your Website sales, People have reported that their sales have increased by as much as 443% (the above example is for a customer I did some graphics for)
Now by all means I wouldn’t recommend creating your own graphics, if you’ve never done it before, I would recommend hiring someone to do them for you; there are hundreds of highly designed people who could do them at a reasonable price.
Now if you’re looking to save some money creating website graphics, then by all means go ahead, there are lots of software which will help you to do the job right.
Here are just a few;

Adobe Photoshop 5 or above so that you can use the action scripts
Action scripts - ebook/cd/ezine/spiral/membership card covers
Royalty free stock images - from as little as $1.00 per image
Special ecover software - software which creates graphics without Photoshop

Here are 3 steps to create great graphics.

Step 1 -
Open Photoshop and select the action script you want.
Then open the images you are going to add to the graphics, if you don’t have any try
Step 2 –
Enter your text on the template which the action script created.
Rearrange the text and images to where they look good on the graphics.
Choose the colours which will make everything stand out and look very professional.
Step 3 –
Once everything is looking good, simply save the image for the web and you’re done!
The above 3 steps are exactly all you need to do, but if your not familiar with them then you will need to find tutorials for them, and maybe do a little bit of research for them on your favourite search engine.
Copyright 2005 Andrew Eaton

title:"Bankers' Banks"- The Role of Central Banks in Banking Crises
author:Sam Vaknin, Ph.D.
date_saved:2007-07-25 12:30:05

Central banks are relatively new inventions. An American President (Andrew Jackson) even cancelled its country's central bank in the nineteenth century because he did not think that it was very important. But things have changed since. Central banks today are the most important feature of the financial systems of most countries of the world. 
Central banks are a bizarre hybrids. Some of their functions are identical to the functions of regular, commercial banks. Other functions are unique to the central bank. On certain functions it has an absolute legal monopoly. 
Central banks take deposits from other banks and, in certain cases, from foreign governments which deposit their foreign exchange and gold reserves for safekeeping (for instance, with the Federal Reserve Bank of the USA). The Central Bank invests the foreign exchange reserves of the country while trying to maintain an investment portfolio similar to the trade composition of its client - the state. The Central bank also holds onto the gold reserves of the country. Most central banks have lately tried to get rid of their gold, due to its ever declining prices. Since the gold is registered in their books in historical values, central banks are showing a handsome profit on this line of activity. Central banks (especially the American one) also participate in important, international negotiations. If they do not do so directly - they exert influence behind the scenes. The German Bundesbank virtually dictated Germany's position in the negotiations leading to the Maastricht treaty. It forced the hands of its co-signatories to agree to strict terms of accession into the Euro single currency project. The Bunbdesbank demanded that a country's economy be totally stable (low debt ratios, low inflation) before it is accepted as part of the Euro. It is an irony of history that Germany itself is not eligible under these criteria and cannot be accepted as a member in the club whose rules it has assisted to formulate. 
But all these constitute a secondary and marginal portion of a central banks activities. 
The main function of a modern central bank is the monitoring and regulation of interest rates in the economy. The central bank does this by changing the interest rates that it charges on money that it lends to the banking system through its "discount windows". Interest rates is supposed to influence the level of economic activity in the economy. This supposed link has not unequivocally proven by economic research. Also, there usually is a delay between the alteration of interest rates and the foreseen impact on the economy. This makes assessment of the interest rate policy difficult. Still, central banks use interest rates to fine tune the economy. Higher interest rates - lower economic activity and lower inflation. The reverse is also supposed to be true. Even shifts of a quarter of a percentage point are sufficient to send the stock exchanges tumbling together with the bond markets. In 1994 a long term trend of increase in interest rate commenced in the USA, doubling interest rates from 3 to 6 percent. Investors in the bond markets lost 1 trillion (=1000 billion!) USD in 1 year. Even today, currency traders all around the world dread the decisions of the Bundesbank and sit with their eyes glued to the trading screen on days in which announcements are expected. 
Interest rates is only the latest fad. Prior to this - and under the influence of the Chicago school of economics - central banks used to monitor and manipulate money supply aggregates. Simply put, they would sell bonds to the public (and, thus absorb liquid means, money) - or buy from the public (and, thus, inject liquidity). Otherwise, they would restrict the amount of printed money and limit the government's ability to borrow. Even prior to that fashion there was a widespread belief in the effectiveness of manipulating exchange rates. This was especially true where exchange controls were still being implemented and the currency was not fully convertible. Britain removed its exchange controls only as late as 1979. The USD was pegged to a (gold) standard (and, thus not really freely tradable) as late as 1971. Free flows of currencies are a relatively new thing and their long absence reflects this wide held superstition of central banks. Nowadays, exchange rates are considered to be a "soft" monetary instrument and are rarely used by central banks. The latter continue, though, to intervene in the trading of currencies in the international and domestic markets usually to no avail and while losing their credibility in the process. Ever since the ignominious failure in implementing the infamous Louvre accord in 1985 currency intervention is considered to be a somewhat rusty relic of old ways of thinking. 
Central banks are heavily enmeshed in the very fabric of the commercial banking system. They perform certain indispensable services for the latter. In most countries, interbank payments pass through the central bank or through a clearing organ which is somehow linked or reports to the central bank. All major foreign exchange transactions pass through - and, in many countries, still must be approved by - the central bank. Central banks regulate banks, licence their owners, supervise their operations, keenly observes their liquidity. The central bank is the lender of last resort in cases of insolvency or illiquidity. 
The frequent claims of central banks all over the world that they were surprised by a banking crisis looks, therefore, dubious at best. No central bank can say that it had no early warning signs, or no access to all the data - and keep a straight face while saying so. Impending banking crises give out signs long before they erupt. These signs ought to be detected by a reasonably managed central bank. Only major neglect could explain a surprise on behalf of a central bank. 
One sure sign is the number of times that a bank chooses to borrow using the discount windows. Another is if it offers interest rates which are way above the rates offered by other financing institutions. There are may more signs and central banks should be adept at reading them. 
This heavy involvement is not limited to the collection and analysis of data. A central bank - by the very definition of its functions - sets the tone to all other banks in the economy. By altering its policies (for instance: by changing its reserve requirements) it can push banks to insolvency or create bubble economies which are bound to burst. If it were not for the easy and cheap money provided by the Bank of Japan in the eighties - the stock and real estate markets would not have inflated to the extent that they have. Subsequently, it was the same bank (under a different Governor) that tightened the reins of credit - and pierced both bubble markets. 
The same mistake was repeated in 1992-3 in Israel - and with the same consequences. 
This precisely is why central banks, in my view, should not supervise the banking system. 
When asked to supervise the banking system - central banks are really asked to draw criticism on their past performance, their policies and their vigilance in the past. Let me explain this statement: 
In most countries in the world, bank supervision is a heavy-weight department within the central bank. It samples banks, on a periodic basis. Then, it analyses their books thoroughly and imposes rules of conduct and sanctions where necessary. But the role of central banks in determining the health, behaviour and operational modes of commercial banks is so paramount that it is highly undesirable for a central bank to supervise the banks. As I have said, supervision by a central bank means that it has to criticize itself, its own policies and the way that they were enforced and also the results of past supervision. Central banks are really asked to cast themselves in the unlikely role of impartial saints. 
A new trend is to put the supervision of banks under a different "sponsor" and to encourage a checks and balances system, wherein the central bank, its policies and operations are indirectly criticized by the bank supervision. This is the way it is in Switzerland and - with the exception of the Jewish money which was deposited in Switzerland never to be returned to its owners - the Swiss banking system is extremely well regulated and well supervised. 
We differentiate between two types of central bank: the autonomous and the semi-autonomous. 
The autonomous bank is politically and financially independent. Its Governor is appointed for a period which is longer than the periods of the incumbent elected politicians, so that he will not be subject to political pressures. Its budget is not provided by the legislature or by the executive arm. It is self sustaining: it runs itself as a corporation would. Its profits are used in leaner years in which it loses money (though for a central bank to lose money is a difficult task to achieve). 
In Macedonia, for instance, annual surpluses generated by the central bank are transferred to the national budget and cannot be utilized by the bank for its own operations or for the betterment of its staff through education. 
Prime examples of autonomous central banks are Germany's Bundesbank and the American Federal Reserve Bank. 
The second type of central bank is the semi autonomous one. This is a central bank that depends on the political echelons and, especially, on the Ministry of Finance. This dependence could be through its budget which is allocated to it by the Ministry or by a Parliament (ruled by one big party or by the coalition parties). The upper levels of the bank - the Governor and the Vice Governor - could be deposed of through a political decision (albeit by Parliament, which makes it somewhat more difficult). This is the case of the National Bank of Macedonia which has to report to Parliament. Such dependent banks fulfil the function of an economic advisor to the government. The Governor of the Bank of England advises the Minister of Finance (in their famous weekly meetings, the minutes of which are published) about the desirable level of interest rates. It cannot, however, determine these levels and, thus is devoid of arguably the most important policy tool. The situation is somewhat better with the Bank of Israel which can play around with interest rates and foreign exchange rates - but not entirely freely. 
The National Bank of Macedonia (NBM) is highly autonomous under the law regulating its structure and its activities. Its Governor is selected for a period of seven years and can be removed from office only in the case that he is charged with criminal deeds. Still, it is very much subject to political pressures. High ranking political figures freely admit to exerting pressures on the central bank (at the same breath saying that it is completely independent). 
The NBM is young and most of its staff - however bright - are inexperienced. With the kind of wages that it pays it cannot attract the best available talents. The budgetary surpluses that it generates could have been used for this purpose and to higher world renowned consultants (from Switzerland, for instance) to help the bank overcome the experience gap. But the money is transferred to the budget, as we said. So, the bank had to do with charity received from USAID, the KNOW-HOW FUND and so on. Some of the help thus provided was good and relevant - other advice was, in my view, wrong for the local circumstances. Take supervision: it was modelled after the Americans and British. Those are the worst supervisors in the West (if we do not consider the Japanese). 
And with all this, the bank had to cope with extraordinarily difficult circumstances since its very inception. The 1993 banking crisis, the frozen currency accounts, the collapse of the Stedilnicas (crowned by the TAT affair). Older, more experienced central banks would have folded under the pressure. Taking everything under consideration, the NBM has performed remarkably well. 
The proof is in the stability of the local currency, the Denar. This is the main function of a central bank. After the TAT affair, there was a moment or two of panic - and then the street voted confidence in the management of the central bank, the Denar-DM rate went down to where it was prior to the crisis. 
Now, the central bank is facing its most daunting task: facing the truth without fear and without prejudice. Bank supervision needs to be overhauled and lessons need to be learnt. The political independence of the bank needs to be increased greatly. The bank must decide what to do with TAT and with the other failing Stedilnicas? 
They could be sold to the banks as portfolios of assets and liabilities. The Bank of England sold Barings Bank in 1995 to the ING Dutch Bank. 
The central bank could - and has to - force the owners of the failing Stedilnicas to increase their equity capital (by using their personal property, where necessary). This was successfully done (again, by the Bank of England) in the 1991 case of the BCCI scandal. 
The State of Macedonia could decide to take over the obligations of the failed system and somehow pay back the depositors. Israel (1983), the USA (1985/7) and a dozen other countries have done so recently. 
The central bank could increase the reserve requirements and the deposit insurance premiums. 
But these are all artificial, ad hoc, solutions. Something more radical needs to be done: 
A total restructuring of the banking system. The Stedilnicas have to be abolished. The capital required to open a bank or a branch of a bank has to be lowered to 4 million DM (to conform with world standards and with the size of the economy of Macedonia). Banks should be allowed to diversify their activities (as long as they are of a financial nature), to form joint venture with other providers of financial services (such as insurance companies) and to open a thick network of branches. 
And bank supervision must be separated from the central bank and set to criticize the central bank and its policies, decisions and operations on a regular basis. 
There are no reasons why Macedonia should not become a financial centre of the Balkans - and there are many reasons why it should. But, ultimately, it all depends on the Macedonians themselves. 
title:"Black Monday" and Cyber Santa Tips
author:Jim Edwards
date_saved:2007-07-25 12:30:07

When I started writing this column in Fall of 1998, the idea of doing all your holiday shopping online rated quite daring and trendy.
Fast-forward to today and online shopping represents a very sizeable share of all retail commerce.
In fact, just like the "Black Friday" after Thanksgiving gets many retail stores "into the black" financially, they've coined a name for one of the biggest shopping days online: "Black Monday!"
Black Monday or "Cyber Monday"  refers to the Monday after Thanksgiving when everyone goes back to work and does all their shopping online (presumably on their break -- yeah right!)
Either they couldn't find what they wanted in a brick-and- mortar store over the weekend or, like me, couldn't stand the thought of standing in line for hours, so they shop online.
Since their workplace often carries the fastest Internet connection, many people find playing "Cyber Santa" at work too tempting to resist.
Despite a "sluggish economy," this past Black Monday should turn out to be the biggest on record, though the actual results may not get tallied for weeks.
However, if you plan to play "Cyber Santa" this year by making holiday purchases online, the following tips should help the little online elves make all your dreams come true.
** Don't Procrastinate **
Don't wait until the last minute to place your orders online. Internet companies function just like mail-order companies.
Human beings process your order, pull it out of inventory, pack it, and ship it to your address.
If a backup occurs, no amount of e-mailing or phone calls will cause your packages to arrive any faster.
** Delivery Guarantees **
Find out what guarantees (in writing) the company makes regarding delivery.
If they don't guarantee delivery for 2 weeks and you waited until December 19 to order, it doesn't take a computer science degree to know your order won't arrive in time.
** Return Policies **
Along with delivery guarantees, check the return policy. What happens if something goes wrong with the product?
Where and how do you return it?
Also, understand that if you buy something through an auction site like eBay, you run the risk of defective merchandise with no hope for an exchange.
** Brick and Mortar **
Try to deal with companies that offer a "brick and mortar" operation to augment their online presence.
This comes in handy if you received a defective product, or the wrong product, and need a quick fix by visiting the store at the last minute to avoid tears on Christmas morning.
** Disaster Planning **
Ordering early means you can make a quick recovery if something goes wrong by going to the mall and buying something else!
I bought 22 very cool gifts for out of town relatives and business associates yesterday with the click of a mouse!
I plan to do 100% of my shopping online this holiday season and avoid losing my holiday spirit by engaging in urban combat for a parking spot at the mall.
So remember, use common sense, buy from reputable merchants, and let your keyboard help you create a memorable holiday season.
Copyright 2005 Jim Edwards

"Business Plan Writers: Should You Hire One?"

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Do you need to write a business plan?  The thought of preparing a business plan tends to fill most business owners with dread; it can be a difficult, stressful, and time consuming process.  For this reason alone you may want to think about seeking the help of a professional business plan writer.

business plan, small business

Article Body:
Are you interested in starting up your own business?  If so, you should carefully consider writing a business plan.  The thought of preparing a business plan tends to fill most business owners with dread; it can be a difficult, stressful, and time consuming process.  For this reason alone you may want to think about seeking assistance.

One of the many ways that you can seek help to write your plan is by hiring a professional, who in this case is a professional business plan writer.

What Is a Professional Business Plan Writer?

Before deciding whether or not you should hire the services of a professional business plan writer, you should first clearly understand what they are.  In most cases, you will find these individuals to be experienced, professional writers who are well versed in business terminology and who can effectively understand the needs of businesses.  It is important to understand when writing anything, even a business plan, that it is the wording which makes all the difference; the words used can be the difference between success and failure. That is why a large number of small business owners turn to professional writers for assistance.

What a Professional Business Plan Writer Can Do For You

When it comes to searching for a professional business plan writer, you will find that different writers perform different duties. For example, a large number of writers will merely take your ideas, which you have already thought out and developed, and present them in a professional matter; they will just present your plans in a more professional way than you could.

Then there are the professional business plan writers who will work with you to develop your plan from the inception of the basic ideas for your business to the finish document.  Naturally since more work and time goes into to assisting you with developing a business plan from the bottom up you will probably find that the services of these writers cost more than traditional ones.

It is important therefore that before you start your search you be very clear in your own mind as to what level of support and input you require.

Why Hire a Professional Business Plan Writer?

There are a number of different reasons why small business owners turn to professional business plan writers. One of the key reasons is of lack of experience when it comes to putting ideas on paper and not knowing what format a plan should take.  If you have never created a business plan before you can easily find yourself staring at a blank piece of paper for hours on end!

Although it is relatively easy to learn how to create your own plan, it can be a time consuming process to undertake the research and get into the appropriate mindset. With the right experience, a professional business plan writer will be able to create a detailed, professional business plan in half the time that it would take you to create the same plan.

How Do You Find Someone?

If you are interested in acquiring the services of a professional business plan writer, you have a number of different options.  One of those options is to search for someone locally.  Dealing with a local business plan writer is great, especially if you want to deal with someone face-to-face.  Your search can focus on your local government business advice centers or even asking fellow business colleagues. If there is a writing group or circle in your locality then you can approach them for potential names.

The only problem that you may find is that not all areas of your country will have professional business plan writers.  This means you may have to turn to the Internet for assistance. By conducting an online search you will find a large number of professional writers who specialize in creating or writing business plans.

What Should You Look For Before Hiring?

When choosing a professional business plan writer it is important that you don’t choose either the first person that you come across, or the cheapest. If a well written business plan is crucial to the success of your plans then you must be careful in your selection. Your business plan may not only be used for your personal guidance, but it may also be used to attract financing for your business and that is why your plan must look professional, be detailed and readable.

Before hiring a writer, you should request samples of previous work and also ask to see testimonials from business owners who have used their services.  This will help to ensure you are getting your moneys worth and that you end up with a business plan you can proud distribute.

As with any contract you enter into be very certain what you are getting for your money. Does the contract include the provision for free updates or unlimited revisions before the final version is agreed? Will you be charged per word, per page, or by the hour? Make sure you fully understand the deal.

By following these points you should be able to decide whether or not a professional business plan writer can assist you.  Whilst they can be an additional cost you may not be able to afford, in the long run it could be the best investment you ever made.

You will find a complete guide on how to write a business plan in my e-book ‘The Secrets of Writing a Killer Business Plan’.

title:"Do You Mind If Someone Screams At You?
author:Lora J Adrianse
date_saved:2007-07-25 12:30:06

A headhunter was on the other end of the phone. He was looking for an assistant to a CEO/Owner for a small, but very successful business. Essentially, he wanted someone at his disposal night and day. That didn't seem like a huge deal. And then the next question came..."Do you mind if someone screams at you?" As soon as I could get past the sirens going off in my head, and visions of Dilbert comic strips, I replied, "Yes, that's not acceptable". The headhunter continued, "Well, he probably wouldn't call you names, but he's a pretty hard driving guy and he raises his voice a lot".
Yes, this is a true story, and it was my first conversation of the day today. It's been enough to amaze and amuse me all day. Somehow I thought the days of screaming bosses were buried with the days of managing by intimidation. I guess I was wrong! I can't help but wonder if this guy has even heard of all the work being done around emotional intelligence, or employee retention. Maybe he doesn't read.
Message To The Screaming Boss...
Chances are, your employees have one foot out the door. They probably even spend a part of their working day reviewing emails and job postings at places like
You are missing out on significant amounts of information. Why? Because nobody wants to be "the one" to tell you. What you don't know can hurt you.
Every time you indulge in a screaming frenzy your employees spend time telling each other, talking about you, and maybe even looking for ways to push your buttons. After all, you've become the entertainment.
If your employees have conditioned themselves to tolerate and even disregard your screaming, they've probably learned to not take it personally. After all, your hissy fits are about YOU, your huge ego, your insecurities, and your lack of desire to create win-win, mutually beneficial relationships.
If your company is successful in spite of the way you treat your employees, just think about how much more successful you could be if your employees loved to come to work every day.
And finally, "What is your screaming costing you?" I'm talking about in terms of dollars and cents. Think in terms of unproductive employees, the way your employees treat each other and customers, turnover, health benefits, and maybe even some employee sabotage.
The Bottom Line Is This...
Even the military is undergoing a huge initiative to become more emotionally intelligent. The drill sergeants of tomorrow will be very different than the drill sergeants of yesterday.
What could be different for you and your business if you stopped screaming and started treating people with respect and dignity?
It's simply a choice you know.
title: Find Your Love As Early As Possible
author:Arvind Kumar
date_saved:2007-07-25 12:30:07

Life is made of innumerable dots. Dots, which are part of your today life, will connect with tomorrow dots.
All these dots are invisible. It takes time to connect the past with future and vice versa. Steve jobs life was a sum of misfortune and fortune. His biological mother, an unwed graduate gave him to a lovable parent, who brought him up. When he went to college, he realized that he was not very much interested in study. He felt guilty of spending his parent’s hard earned money. He finally left the graduation.
For next 18 month he hanged around the college. He slept on floor in his friend’s room. He uses to walk 5 to 6 miles on Sunday to reach a Harey Krisna temple for his best dinner of the week. It is never visible, how life was connecting his life for coming future. He learned design and music. He was not sure where it will lead him in life.
But his canny for sophisticated design was very much visible in his product at Apple, the Macintosh. He founded Apple computers with Woz and in 10 years of operation, made it a $2 billion company. But then Apple board fired him. It was a real blow to Steve. The body, which loved most, was snatched from him.
Steve was very unsure what to do after this. He was a public failure. He wanted to run away from Silicon Valley. But his love for his kept his inner core burning. He started out again with a company named Next, and another one Pixar. The course, at graduation in design helped him a lot here. Finally Apple bought Next and Pixar. Steve became the CEO of Apple again.
All the dot of this story was interconnected and woven by destiny. It could have been a frustrating journey. But in words of Steve, “sometime life hits you in the head with a brick. Don’t loose faith. I am convinced that only thing that kept me going was my love for what I did. Your work is going to fill a large part of day and you can be satisfied only when you believe in your work and love it. If you have not found your love keep looking for it.”
title:"Foreclosure Q and A's: Staying Informed"
author:Lucy Landley
date_saved:2007-07-25 12:30:08

Q: What does it mean to be in foreclosure?

A: According to, to foreclose is to deprive
(you) the mortgagor of the right to redeem mortgaged
property, when payments have not been made. When you have
missed two months worth of payments you have defaulted on
your loan, but you are not yet in foreclosure. The
foreclosure proceedings will not initiate until the mortgage
lender or bank submits paper work to a prosecuting attorney.

Q: What are my options?

A: Once the mortgage lender sends letters informing you of
the Foreclosure it is important that you keep your head up;
find a way to fix things. Immediately start considering your
options of another loan, refinancing, etc. On the other
hand, if you know you are in over your head then selling is
always an option. To keep from falling deep into the
foreclosure process it is really important to weigh out your
options, looking at your finances and what you can afford in
the future. 

Q: Who do I turn to?

A: You can talk to your mortgage lender about your options
with payments adjustments, another loan, etc. If you decide
to sell the house, there are always local investors who can
help you get your feet back on the ground. If you decide to
sell your home make sure you are getting help from credible
sources and of course don't ever sign anything before
reading it. 

Q: If I am in foreclosure, how much time do I have until I
have to leave the house? 

A: Laws vary from state to state; in states like Georgia a
foreclosure house for sale is advertised to the public only
seven days after being filed. However in other states, the
house is not publicly advertised until the 130th day of the
foreclosure process. If you look online or go to the library
and look up your state legislature, you will find a slue of
detailed statutes. Do some research so you know exactly what
timeline you are dealing with, but the bottom line is to act
as quickly and wisely as possible. 

Q: Does the lender have the right to repossess my house,
even though I have been paying for it all this time? 

A: Unfortunately, yes. Even though you only missed those few
payments and had paid so many others, the mortgage documents
or deed of trust (depending if you live in a judicial or
non-judicial state) gives the lender the right to foreclose
and repossess the property after you have defaulted on
payments for a certain length of time. 

Q: What is refinancing and how can it help me out of

A: By refinancing you are essentially taking another loan.
The new loan is based off a new appraisal of your property.
One benefits of refinancing is that you can sometimes get a
lower interest rate, in turn, decreasing your monthly
mortgage rate. However, refinancing is not for everyone. It
can also put you at higher risk for foreclosure depending on
a number of factors. Really do some research and talk to
someone who can advise you well on this option. 

Q: If I lose my house in foreclosure are my chances of
buying again lessened? 

A: If you apply for a loan on another house your past
foreclosure will show in your credit history. This does not
mean you will not qualify for a loan; however you are less
likely to receive, for instance, a low down payment loan. It
is very important to stay informed and knowledgeable in how
to stop the Foreclosure before it happens. There are people
who are willing to take the time and help. 
title:“Future Plans” Job Interview Questions
author:Scott Brown
date_saved:2007-07-25 12:30:06

This week’s topic deals with interviewers asking about your future plans.  As we’ll see in addressing the question a subscriber wrote in with, interviewers use the “future plans” question to screen people out.  Read on to find out how to make sure you’re not eliminated from consideration with a question like this.
Question from a Subscriber:
I’ve had a lot of interviews lately, and they all go well until the interviewer asks about my plans for the future.  I reply by explaining my hopes in obtaining an advanced degree.  Then the interview suddenly turns sour. What I saw as being ambitious and trying to illustrate my worth has instead had a reverse effect. Jobs now see me as "temporary". Even though graduate school would not start for another year or two and I could manage a job and classes, interviewers assume I will leave early and don't give me the chance, even though I am a loyal worker. Any advice for this predicament? Should I no longer appear so ambitious? Should I seem more "under qualified" than I am? Thanks so much.
S. M.
Dear S.M.,
It is admirable that you’re planning to go to grad school.  It’s obviously something that’s important to you and your sense of who you are.  But for the purposes of job interviews, you need to become a little more objective about who you are and what your qualifications are. 
Here’s the bottom line: whenever you see a particular thing you're saying in interviews is turning people off, stop saying it. If you were selling Cadillacs and you discovered that telling people about the OnStar system to get help in the case of a catastrophe was turning customers off, the sensible thing to do would be to stop talking about it. There are lots of other great things about the Cadillac you can talk about. Who knows why talking about the OnStar is a turn off. Maybe it's because people don't want to imagine themselves in a catastrophe. Likewise, maybe an employer doesn't want to think of the possibility that you could get a degree that would make you eligible for better jobs and leave them with the disaster of having to hire a replacement for you.  There are many types of positions where getting an advanced degree would be in both your interest and the employer's. It seems like in your case they don't see it that way.
You have no obligation to tell employers about your plans for grad school if it wouldn't interfere with your job duties.
Employers Not Really Looking for Ambition (Per Se)
It's important to keep in mind that the goal of an interview should not be to show an employer how ambitious you are. The goal of an interview is to discover what the employer is looking for and then to show them how you fit that.  Being someone who is passionate about doing a good job is a quality employers generally look for. Loyalty is a quality most employers look for. Ambition is not necessarily something employers look for -- it's often a side-effect to the qualities they want. An employer wants someone who's motivated enough to accomplish their job duties, but not so ambitious that they'll get up and leave at the first opportunity.
Don’t Say Things in Interviews for “Selfish” Reasons
You need to take a look at your own motivations for telling employers about your grad school plans. Is it just to illustrate that you're a motivated person, or is it also because you want to get their blessing/approval to show up late for work after taking a test or studying, potentially missing work when there's a big paper you have to turn in, etc. 
Employers may interpret your mentioning you grad school plans as another way of saying "hey, if you want to hire me, you're going to have to put up with the side effects of someone who's preoccupied with something more important than their day job"
"Hello, I'm Johnny Cash"- Surprising Lessons For Work At Home Moms

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I've unearthed some surprising bits of wisdom for new wahms by listening to Johnny Cash lately. I thought I would share some of these tidbits from the Rockabilly legend.

1) Understand Your Man, target market!

That's right. Do you understand your target market? Are you aware of her needs, desires and driving ambitions? Does your website speak to your target audience? If not, perhaps you should make some changes or your website visitor or customer will be "as gone a...

wahm, johnny cash, work at home, home business

Article Body:
I've unearthed some surprising bits of wisdom for new wahms by listening to Johnny Cash lately. I thought I would share some of these tidbits from the Rockabilly legend.

1) Understand Your Man, target market!

That's right. Do you understand your target market? Are you aware of her needs, desires and driving ambitions? Does your website speak to your target audience? If not, perhaps you should make some changes or your website visitor or customer will be "as gone as a wild goose in winter" too!

2) A Boy Named Sue

Life ain't easy for a boy named Sue...and life ain't easy for a wahm either. In your business you will have those confidence killers, dream stealers, fun suckers...whatever you want to call them. You will have people who try to tell you that you can't achieve your goals, that what you try won't work. Don't let them get you down!

Sue's father told him, "This world is rough, and if you're gonna make it, you've gotta be tough."

How can you get tough in your business?

3) Man In Black- or Branding 101

J.R. Cash didn't don the all black suit because he didn't have anything else to wear. It was his trademark. He wore all black for a reason.

What about you? Are you working on your brand? In a world full of Elvis Presleys and Jerry Lee Lewises, how will you stand apart? And remember, your target market doesn't have to be just like you- Johnny Cash wrote Folsom Prison Blues and connected with inmates when he had never yet step foot in jail!

4) The Legend of John Henry's Hammer

This song has two bits of wisdom:

a) Learn your business and you will succeed

John Henry's Daddy told him to: "Learn to a turn a jack, learn to lay a track, learn to pick and shovel too." Are you learning all you can about Internet Marketing so that you can succeed in your business? Do you reinvest in ebooks, coaching and mentoring, and software like John Henry's hammer?

b) Technology has its place but it can't take the place of humans.

When the steam engine threatened to take the place of men, Johnny proved that in the end, humans are more valuable. Learn to use technology (like autoresponders) but remember that your website visitor is a human and inject some of yourself into your marketing efforts.

5) One Piece at a Time

This ballad is about a man who decides to build a Cadillac. He steals one piece at a time from the assembly line "and it didn't cost him a dime". But in the end, it didn't work out exactly like he planned!

Does your website look like a pieced together jalopy? Are you unwilling to spend any money on your own domain and hosting, content with a free site cluttered up with ads?

6) In The Jailhouse Now

Please don't throw away your hard work by doing one of the following things:

Copying other people's articles or content
Stealing graphics
Clicking on your Adsense ads
Not keeping records and neglecting to pay taxes

It just isn't worth it, and you may find yourself in the jailhouse. Much better to Walk the Line so you can sleep at night.

7) Ring of Fire

Maybe you've made a bad choice... entered into a shotgun romance with a business that's not right for you. Don't be afraid to realize this, chuck everything and start over! Don't beat your head against the wall if, after working hard on a project, you decide it's just not profitable. Better to find your match and pour your energies into that.

In this song, June Carter Cash chronicles her growing attraction to John. Though they were both involved with other people, they were obviously soul mates and ended up making music and growing old together for the next 40 years.

May you make beautiful music with your business!

title: How to Get Fast Cash without Breaking the Bank
author:Caterina Christakos
date_saved:2007-07-25 12:30:05

Many of us rack our brains for the perfect job or business opportunity to bring in extra cash. We think that we need to come up with some brilliant plan to earn the money for a nice vacation, down payment on a car or some extra cash for our kid’s tuition. Sometimes the perfect money maker is right beneath our very noses. Here are some quick tips to receive extra cash with the least amount of effort:

Clean out your closets. Take out every time that you haven’t worn in the last century. Drag out those old comics. Dust off those old records. One man’s trash is another man’s treasure, as the saying goes.

Hold a garage sale
Place it on ebay
Bring it to a flea market and agree to split the profits with one of the vendors
Place ads in local papers and the pennysaver

Take ten percent of your income and stick it in a savings account or better yet a high yield cd that you can’t touch for a year. Money market accounts are also a better alternative to standard bank accounts.
Promote affiliate programs online. They have already set up the business for you. All you have to do is promote it and earn commissions.
Form an investment club. If you don’t have a large enough pool of money to invest right now, many of your friends may be in the same boat. Pool your money together and invest in some of the safer investments right now, like bonds or CDs. You will earn together more than the measly percentage a regular account will provide.
If you have recently helped finance a house sale, sell your mortgage note for a lump sum. Instead of having to wait several years to get your money, take the discount and get cash in hand now.

title: How to Identify a Problem Solver
author:Harry Joiner
date_saved:2007-07-25 12:30:06

As an executive recruiter, I interview a lot of people. And while most candidates find a way to look good on paper, their resumes don't always reveal how good of a problem solver they are. Yet all of my clients want to hire problem solvers - people who can walk into their operation and make their problems go away.
This is understandable. Business, of course, is all about problems. In fact, whether your business is in growth mode or decline, you will always have problems. And it's management's job to either come up with the answers, or hire people who will. This article is about the latter.
How We Learned about Solving Problems
Through conventional classroom education, most of us have come to believe that there is usually a right or a wrong answer to a problem. As such, we tend to study our most pressing business problems to find a single "right" answer - as if we are solving for X in a math problem. Yet in the business world, many problems don't become clearer the more we study them. Instead, they may become larger and more confusing. Problems involving a mix of personalities and dynamic markets can be especially vexing.
Naturally, hiring managers who fail to understand the nature of their business problems will find it difficult to hire someone who can solve them.
Seven Steps to Successful Problem Solving
When solving problems - whether in real life or in a job interview - it's important to follow a logical process. Most business problems are not solved because people don't define the "real problem" clearly. Therefore, the strength of a job applicant's problem solving ability can be seen by walking them through the following seven step framework while getting them to describe how they solved a real life problem in their last job. When discussing a problem that they solved in a previous job, the applicant should demonstrate an ability to:
1. Define the problem: Have the candidate identify what went wrong by including both a cause and an effect in the definition in the problem they solved.
2. Define the objectives: Have the candidate explain the outcome he wanted to achieve as a result of solving the problem.
3. Generate alternatives: How many alternatives did the candidate generate?  Did the quality of the alternatives vary greatly? Was there a significant difference in the hard (and soft) costs associated with each idea? And so on. This is the area in which the candidate can demonstrate their creativity and resourcefulness as a problem solver.
4. Develop an action plan: Have the candidate recap their detailed action plan. Most action plans for tough problems involve taking several steps over a period of time. In his recap, does the candidate specify who did what? And by what dates? The devil is in the details, and detailed problem solvers are usually more effective than generalists.
5. Troubleshoot: This is where the candidate can recap the worst cases scenarios. What could have gone wrong in his plan? What might have been the side effects? How did the candidate ensure this plan would work? Were there any unintended consequences?
6. Communicate: Getting information to the right people is key for getting the buy-in to make it a success. Have the candidate address which individuals or groups affected the success of his action plan. Does he explain who was impacted by it and who needed to be informed about it? How did he communicate with relevant parties? The most effective executives are those who can leverage their time and talents by getting things done through other people. This is your opportunity to build your company's management bench.
7. Implement: Have the candidate address who carried out the plan and monitor its implementation. Who was accountable for each part of the solution? What were the consequences for failure to meet the plan? Try to determine: As a manager, will the candidate be "hard on the issues and soft on the people?"
Drilling down on how a candidate has solved problems in the past will give you a good idea of how they will solve problems in the future. Think in terms of the quality, consistency, and costs of their solutions. During the interview, you must get the candidate to be specific about their problem solving experience. Minimize the chances of being duped by getting the candid to recap in vivid detail exactly what happened in a given situation.
Think like a little kid: Ask "Why?" or "How?" to everything they say. If you don't challenge them during the interview process, you may pay a steep price later for your lack of persistence.
"How to Make your Computer your Personal ATM"

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This article details the tools you need to begin building a website.  References to valuable resources for domain, web hosting, and auto responder services are detailed.

Internet marketing, Smart Autoresponder, Web hosting, Domain Name,,,, Software, IP address

Article Body:
Do you think that ATM’s are only available at banks and credit unions?  Think again.  Your computer can become your own personal ATM machine.  How can you turn your computer into a money making machine?  Jump into the world of internet marketing.  An Internet marketing business is not only profitable, but can be started quickly and affordably. 

What should you do first to help you start an Internet marketing business?  You need to create a website that reaches millions of potential customers all over the globe.  There are hundreds of software programs, companies, and offerings out there.  If you are not familiar with Internet infrastructure then you may have a difficult time trying to find the right company to host your website.  We have taken the confusion out of this situation for you by providing references for the best software tools to help get you started.

First, you will need a domain name.  Domain names are the text that users will type into the Internet to access you website.  Think carefully about your domain name so that it is relevant to your product or service.  Once you have a domain name in mind, you need to make sure that it is not taken.  You can type it into your Internet browser and see if anything comes up.  However, it is good to check this through the domain provider we recommend which is

When you purchase a domain name at, make sure that you only purchase the domain name and none of the extra services.  Godaddy has a tendency to jack up the prices on these services when you can find them much more affordably at will be your web hosting service.  This web hosting Service Company is top notch because you receive your OWN IP address.  It is critical to have your own IP address so that your emails are never blocked due to an email spammer that has the same IP address. also has excellent customer service phone support.  In addition, provides an “Email Tracker” feature which enables you to track your emails. also will provide you with information regarding the deliverability rate for any emails you send.  This information will help you tailor your marketing efforts.

Next you will need to setup a “smart Autoresponder”.  A smart Autoresponder is one that automatically sends emails or forms to users in order to capture their personal information.  Make sure that your Autoresponder captures the following information:  first name, last name, email address, time and date stamp.

An effective smart Autoresponder is called “Auto Responder Plus” which you can find at  Auto Responder Plus is software that you can download on your web hosting account.

Once you have these tools in place, you are ready to create your website.  Change your personal computer into a cash cow today!

title:"How To Write A Riveting Sales Letter That Closes Sales"
author:Mike Jezek
date_saved:2007-07-25 12:30:06

How do you get people's attention and build their interest to take the time to read your sales letter? Let's face it. If you can't get the attention of prospects and keep their interest your sales letter will just fall flat on it's face and thus not make you much money.
Today, I'm going to show you how to take that limp sales letter and inject more money making power into it. How? You make your sales letter more riveting. And you do that by creating a thread of curiosity and or surprising information that keeps your prospects on the edge of their seats. There are various ways to do this, but today I'm going to show you three simple things you can do right away to make your sales letter more riveting.
1) The 25% Rule: Simply stated, if the first quarter of your sales letter isn't absolutely compelling and interesting enough your sales letter will bomb. So here's what you do. You craft an irresistible benefit laden headline and subhead that pull people into the first sentence of your body copy. You write the copy in such a way that to complete the thought forces your audience into the next sentence. Next, your first paragraph will naturally flow into the second paragraph and then into the third and so on. The trick again, is to write the copy in such a way that you're using stories, case histories, testimonials news or even descriptions that take several paragraphs to write. Then you break this huge block of copy up into multiple paragraphs. As a result, the first 25% of your sales letter should become riveting.
2) Sentence Enders: At the end of key paragraphs you can add a special sentence that beckons your prospects to read into the next paragraph. Here are several examples: "Stay with me." "Let me explain." There's more." "What happened next will surprise you." "I was blown away by what happened next." "Now here comes the good part."
3) Preview: Have you ever noticed on talk radio or on various news programs that the announcer or radio host will give you a preview of what's to come in their show in order to whet your appetite to know more? You can do the same thing throughout your sales letter. Note this technique is closely related to Sentence Enders. Here are a few examples. "As you read on, you're about to discover how XXX can boost your sales by 30% to 400% in just 7 short days." "I'm going to reveal my magic metabolism secrets that can peel off 20 lbs within 30 days time. But before I do ... " "In the next 5 minutes as you read every word of this letter, you will know the 7 secrets to exploding your online profits without paying a single dime in advertising costs." "By the time you finish reading this eye-opening letter you will know how to take these three fighting techniques and stop any attacker foolish enough to get in your face."
Here's the bottom line. You must keep your prospects focused on your sales message. If your sales letter is like most people's sale letters - boring - no prospect will take the time to read it and as a result you won't get sales. Use these three techniques and try inventing some of your own to keep your reader focused and riveted on what you've written. Build suspense in your sales letter. As if you're constantly dangling a carrot before them. Do this and you should see your sales boost.
title:“How To” Start Trading The Forex Market? (Part 2)
author:Martin Maier
date_saved:2007-07-25 12:30:07

Why is FOREX trading so popular?
Because you can trade from anywhere. From your kitchen table, bedroom, garage or from the nearest Starbucks coffeehouse ( most of them have wireless Internet connection).
If you have or like to travel, take your laptop with you and you can trade the FOREX anywhere in the world where you have an Internet connection.
When you want to start trading the Forex Market nobody is asking you for a diploma, a formal license or a proof of how many hours you have spent studying the Foreign Exchange Market and/or Banking Industry.
FOREX Trading is Economical and Start-up Costs are Low!
You can open an account to trade Forex with as little as US$ 200 at he most brokerage firms.
I personally do recommend Fenix Capital Management, LLC, which offers a state of art Trading platform, that allows you to place orders directly by clicking on the chart.
The Main Benefits of Trading the FX Spot Market are:
YOU don't pay commissions or fees!
YOU can trade 24-hours a day !
YOU can trade up to 400:1 Leverage !
YOU can have FREE Streaming executable Price quotes and live charts!
It is important to know the differences between cash FOREX (SPOT FX) and currency futures.
In currency futures, the contract size is predetermined.
With FOREX (SPOT FX), you may trade electronically any desired amount, up to $10 Million USD.
The futures market closes at the end of the business day (similar to the stock market).If important data is released overseas while the U.S. futures markets is closed, the next day's opening might sustain large gaps with potential for large losses if thedirection of the move is against your position.
The Spot FOREX market runs continuously on a 24-hour basis from 7:00 am New Zealand time Monday morning to 5:00 pm New York Time Friday evening.
Dealers in every major FX trading center (Sydney, Tokyo, Hong Kong/Singapore, London, Geneva and New York/Toronto) ensure a smooth transaction as liquidity migrates from one time zone to the next.
Furthermore, currency futures trade in non-USD denominated currency amounts only, whereas in spot FOREX, an investor can trade in almost any currency denomination, or in the more conventionally quoted USD amounts.
The currency futures pit, even during Regular IMM (International Money Market) hours suffers from sporadic lulls in liquidity and constant price gaps.
The spot FOREX market offers constant liquidity and market depth much more consistently than Futures.
With IMM futures one is limited in the currency pairs he can trade. Most currency futures are traded only versus the USD.
With spot FOREX, you may trade foreign currencies vs. USD or vs. each other on a 'cross' basis, for example: EUR/JPY, GBP/JPY, CHF/JPY, EUR/GBP and AUD/NZD
More and more well informed investor and entrepreneurs are diversifying their traditional investments like stocks, bonds & commodities with foreign currency because of the following reasons: (will be continued)
Risks of currency trading: Margined currency trading is an extremely risky form of investment and is only suitable for individuals and institutions capable of handling the potential losses it entails. An account with an broker allows you to trade foreign currencies on a highly leveraged basis (up to about 400 times your account equity). The funds in an account that is trading at maximum leverage may be completely lost if the position(s) held in the account experiences even a one percent swing in value, given the possibility of losing one's entire investment. Speculation in the foreign exchange market should only be conducted with risk capital funds that, if lost, will not significantly affect the investors financial well-being.
title:“How To” Start Trading The Forex Market? (Part 6)
author:Martin Maier
date_saved:2007-07-25 12:30:07

Forex Price Charts, what DO they mean and HOW to use them?
Important numerous facts as discipline, trading rules, not being greedy etc., but one of the most important things is:
LEARN to read the charts as Charts represent the lifeblood of the market.
I admit that reading charts, and interpreting patterns, are more an art than a skill. Base and apply your entry and exit decisions on YOUR OWN combined methods of technical and fundamental analysis.
FOREX charts, are easier to interpret and to use. They reflect a slower moving, stable economy of a country, compared to the stock market, with its daily drama of company reports, Wall Street Analysts and shareholder demands.
Unlike stocks, currency charts do not spend much time in trading ranges and have the tendency to develop strong trends. Furthermore, Forex with its 4 Mayor currencies is easier to analyze than tens of thousands of stocks.
(Mayor currencies are: USD/JPY, EUR/USD, GBP/USD and USD/CHF)
The complimentary FREE live charting software, with the ultimate cutting edge technology provided by, will be absolutely sufficient for you to analyze and watch any one currency pair. Understanding just a few basic points about the technical analysis of currency chart can lead to increased profit potential.
Pricing - Price reflects the perceptions and action taken by the market participants. It is the dealing between buyers and sellers in the Over-The-Counter (OTC) or “interbank” market that creates price movement. Therefore, all fundamental factors are quickly discounted in price. By studying the price charts, you are indirectly seeing the fundamental and market psychology all at once , after all the market is fed by two emotions - Greed and Fear – and once you understand that, then you begin to understand the psychology of the market and how it relates to the chart patterns.
Data Window Chart – FCM and most online charting stations, when you click on a price bar or candlestick, it will display a small box of data usually called a display window which will contain the following items:
H = Highest Price
L = Lowest Price
O = Opening Price
C = Close Price (or Last Price)
The most common types of price bars, used in FOREX trading, are the Bar Chart and the Candlestick chart:
Bars Charts -
Price bars are a linear representation (a line) of a period of time. This enables the viewer to see a graphic representation summarizing the activity of a specific time frame. As an example, I use 10 minutes, 60 minutes and daily time interval for my systems. Each bar has similar characteristics and tells the viewer several important pieces of information.
First, the highest point of the bar represents the highest price that was achieved during that time period. The lowest point of the bar represents the lowest price during the same period. Regular bars display a small dot on the left side of the bar which represents the opening price of the period and the small dot on the right side represents the closing price of the period.
Candlesticks - Japanese Candlesticks, or simply Candlesticks as they are now known, are used to represent the same information as Price bars. The only difference is that the difference between the open and close form the body of a box which is displayed with a color inside. A red color means that the close was lower than the open, and the blue color represents that the close was higher than the open.
If the box has a line going up from the box it represents the high and is called the wick. If the box has a line going down from the box, it represents the low and is called the tail.
Many interpretations can be made from these "candlesticks" and many books have been written on the art of interpreting these bars.
Chart Intervals & Time Frames:
A chart Time Scale & Period, or time frame, basically refers to the duration of time that passes between the OPEN and the CLOSE of a bar or candlestick.
For instance, with your broker software, you will be able to view a currency pair, in a 1-hour time frame over a 2-day period, 5-day period, 10-day period, 20-day period and 30- day period.
Most of the short-term time intervals (5-min and 1-min charts) are used for entry and exit points and the longer- term time intervals (1-hour and daily charts) are used to see where the general trend is.
title:(MT) Metastock Part 3: Relative Strength Comparison (RSC) The Key Success Tool In Trading By Stock Market Sectors
author:David Jenyns
date_saved:2007-07-25 12:30:07

In Part 2, of Designing a Trading System in MetaStock I covered how to code the first two of the four major components of a mechanical entry system. I had explained the coding of price and liquidity. In this article, I will cover the steps for coding the remaining two components, trend and volatility, into MetaStock. In the end, you will have the complete codes for a mechanical entry system.

Let's begin with trend identification. Remember, 'the trend is your friend' when trading. You always want to trade with the trend, not against it. Think of it this way, if you were swimming in the sea, and got yourself caught in a rip tide, is it easier to swim with the current or against it? It is the same with trading with a trend.

There are many ways to identify trends, and it's not particularly important which method you use. You just need to use one. One of my preferred methods for identifying trending stocks is to find stocks that are trading at their current highs. You can do this by stipulating that the highest high price must have been achieved in the last 'x' number of days.

Once again, the variables you use will depend on the time frame you are trading. But for this example, you want the highest high price in the last 240 days to have occurred in the last 20 days.

Using the formula reference section in the MetaStock Programming Study Guide, you can find the syntax of the highest high function, and then plug in the details. Then, using the 'less than' symbol, you can specify the number of days must be less than 20. In MetaStock language that would be:

HHVBars(H,240)  1.5 and
ATR(21)/Mov(C,21,S)*100 1 and
Mov(v,21,s)*C > 200000 and
HHVBars(H,240)  1.5 and
ATR(21)/Mov(C,21,S)*100 < 6

You now have now a workable entry system. Not only did you construct a robust system, but it also adheres to the KISS principal (Keep It Simple Simon). This system can be cut and pasted into the Explorer within MetaStock. However, the entry is only the beginning of a successful trading system. In later parts of this series, you'll find the rest of the components that you need to design a profitable trading system.

title: Network Marketing: Is It a Home-Based Business?
author:Nabil Khoury
date_saved:2007-07-25 12:30:07

Before the Internet era, network marketing used to be the only "home-based business" and the only way to earn some additional income along with working a regular job and working overtime.
The marketing techniques typically taught in the industry consisted of introducing the products to family and friends--the classic way was to invite friends, family, and any acquaintances to hotel meetings, where they heard a presentation about the products and/or the business. After exhausting what was called your "warm market," you then had to go to your chamber of commerce, your church, networking clubs, malls, and other public places in order to meet new people to whom you could present the business and the products.
Unfortunately, many network marketing companies are still using these lead generation techniques in the present day. Some recommend using what are called "drop cards" and flyers. The network marketer's daily method of operation consists of leaving these flyers and drop cards in as many public places as possible, from restaurants to phone booths, in grocery shops and around ATM machines.
Rather than working from home, these techniques leave network marketers on the road most of the time, and network marketing, in this case, is not really what one would call a home-based business.
Currently, the Internet allows lead generation via Internet marketing. Internet marketing lead generation may be completely free or low cost. Leads generated through the internet are highly targeted.
Flyers and drop cards are replaced by simple signature lines in emails, discussion groups and forums. Visits to grocery shops are replaced by visits to forums. Expensive non targeted newspapers advertisements are replaced by cheaper highly targeted newsletter and pay per click advertising.
The current technology of phone bridges allows marketers to conduct presentations that connect prospects from all over the country, or even from all over the world. Expensive time consuming hotel meetings are replaced by a joining a phone conference call from the comfort of your home.
Network marketing is truly becoming a home-based business.
If your purpose in looking for a home-based business is to have the chance to spend some quality time with your family, and if you are planning to work part-time in the business, when evaluating a company, you may want to check about their marketing plan. Before checking compensation plans, products, or policies and procedures, it is recommended that you check the quality of the company's training program; this should be done before joining, not afterwards. You will have to make sure that the network marketing company you are considering will teach you real marketing techniques and internet marketing for lead generation.
Copyright 2006 Nabil Khoury
title: Online Promotion Beats Traditional Ten-One
author:Judy Cullins
date_saved:2007-07-25 12:30:05

While traditional marketing can work for the book author or publisher, the return is dim for the huge effort it takes. You must promote 90% of the time to even get a milligram of attention. While you may have a success or two, most of your efforts will bring poor book sales. Ask yourself right now, what is working for me? What is not?
The Press Release
Sure, press releases can bring you attention, but it takes a lot of time to gather specific media or radio/TV producers' names. When I wrote "The San Diego Media Resource Directory" that took 50 hours to research, I had to also keep the media list up- to-date, ask editors and radio producers by phone how they wanted their releases. Some prefer fax, others email or snail mail.
You waste your efforts if your release doesn't go the right person. Many authors make the mistake of sending the release to the book editor. He gets hundreds each month, and will pay no attention if you are self-published. Like agents and traditional publishers, only 1-2% are chosen.
Another problem is the sheer numbers of releases you send out. Don't relax after you send one or two releases. Think in terms of at least five a month. Ninety-five percent releases are ignored and tossed into the round file. Why? For many reasons, but check to see if you include a compelling heading, a human- interest story, a list of how-tos, or a present-time news analogy.Ask yourself, " Is it under one page, double-spaced? Did I construct. organize and freely give the solutions that my book or service offer for my readers' problems?
Your news release should not be about your book, but give actual solutions the media readers and radio audiences can use. My first published press release responded to an article on the editorial page about the "Three R's." My headline was "School Need to Teach the Fourth Râ€"Rapid Reading. After discussing the background problems of reading circles, I included the benefits of rapid reading, and gave nine how-to solutions. The publisher not only loved the article, but also came personally to my home to take my picture. I used the piece for marketing to corporations.
Most people don't realize the purpose of the press release is to attract the editor by the collar, so he or she will want to do a feature story on you. Make your headlines sizzle. "Seven Ways to Sell More Books Than You Ever Dreamed Of" got a feature story which attracted 90 people to a seminar by the same name. The coach sold $550 worth of books, gained four new book- coaching clients worth $2000, enrolled 15 in her weekly seminars, yielding 24 clients published within a two-year period.
Giving Talks, Seminars and Presenting at Expos
Creating a talk takes a lot of time. You must practice it at least two times before you deliver it. You must discover resources to find organizations to present to. Many of them don't pay their speakers. You may say that's OK because I will sell books. Yes, you'll sell a dozen or maybe more, but think of the huge effort it took to get there. Consider travel time, traffic, clothing upkeep, and schlepping all those heavy books around.
Like myself, you may present a talk or seminar to a corporation with big hopes of selling your products. When they pay you, though, they may set boundaries on book sales. One positive is that because you have a book, you can negotiate and leverage with meeting planners and top executives for higher paid presentations.
The biggest disadvantage? You must wait for decision makers to accept and schedule you--that could be six months or more. Think of the time invested in marketing materials such as the One-Page, videos, and meetings. I left this venue because the time from presentation to fruition took several in-house meetings before a decision could be made.. I knew there was a better way! But was it expos?
Speaking at Expos or maintaining a booth takes many hours of work. Consider preparing and submitting press releases, creating brochures, hand outs, decorating the booth, presenting a drawing, and bringing in products to sell.
Speaking can bring you a few book sales, but people passing by your booth are usually just looking. Even when I gave free mini seminars every 2 hours, and passed out free tickets ahead of time, not many bought books. Giving out hundreds of flyers with free seminar offers brought few results too.
Yes, I did get on a talk-radio show and eleven people showed up at my Supermemory seminar. No, they didn't buy books or book a coaching session. Yes, I collected names and email addresses from a free drawing. I was able to use them for my free eNewsletter, The Book Coach Says...," but clients did not bang down my door to use my talents.
I figure my prep and floor time was 44 hours for just one expo. With sales under $350, I'd say that was slave labor.
Think of Your Promotion Time and Budget
Most one or two-book authors don't have a large marketing budget. Marketing their speaking leaves them little time to write and promote their books. Marketing experts say do five things a day, six days a week, which sounds pretty doable. But do they bring results?
Aren't sales what we should count? Before the sales roll in however, you need to create a foundation--"a plan"--of what you want to promote, what money you want to make from it monthly, how much time you are willing to give it, and how you will get the word out to your target audience. This takes a little time, but is worth it.
If other marketing and promotion campaigns have brought few book sales, have left your wallet thinner, wasted your valuable time, or left you with a garage full of unsold masterpieces, you may now to ready to set up your book's virtual marketing machine--the Internet.
Online Marketing Can Produces 10 times your Profit in Just Five Months
Rather than a shot gun approach, I suggest you use this one favorite and highly successful Online marketing technique. This one approach has increased my own Web site sales more than 10 times in five months, from $75 in August to $2265 in December. In 2002, the sales averaged around $3000 a month. And, this is just the beginning!
Whether you have a Web site or not, you can apply your writing ability to produce short information-packed articles to submit to hundreds on Online ezines, whose readership of thousands, even hundreds of thousands, will read each article you submit..
Since you will include your signature box at the end of each article with your book title, your email address, free offer, and benefit statement, people can get in touch with you and possibly become buyers. After reading seven or so articles , readers will be likely to buy.
The articles, your eReports, and books all help promote your service too.
When you have written a well-constructed article, giving real information and how-tos, you will attract these potential buyers to the site where you books are sold.
Getting Started
First, create five to ten articles from 500-1200 words, possibly excerpted from your book, or how-to's on your subject. Join the Online Revolution by subscribing to several opt-in ezines. As soon as you subscribe, you'll receive one or more articles a day. First, subscribe, then you can submit. Try aabusiness-
Take time to read other people's articles to see what format and content they use. This Online research is worth gold, because you will now be able to model your articles after others and get what you write published, so thousands can learn from you too.
Invest in Some Promotion Time
While we need promotion, how much time do we actually put into it? I'd say I put around 5-7 hours a week into submitting articles.
Write several articles and submit one or so a week. I started submitting to only five ePublishers of the opt-in ezines. Even in the first week, several publishers used my article "Sell More Books with a Powerful Back Cover." At the end of the article, I put a link to a product "How to Get Testimonials from the Rich and Famous" in my signature box, bringing increased sales.
The usual promotion investment for big results is 90% of your time. With Online, it's far less, and you'll even have time for a long-needed vacation to some Caribbean island.
For Online promotion, you will invest minimal time for huge results. If you are a newbie, but want to know more about this technique, read a book on the subject, investigate a book coaching Web site, get a coach, take a teleclass on this subject, or if you are unable to participant, order teleclass cassettes.
Build a strong foundation, automate sales fulfillment, and your business will run itself!
Online Promoting is Easy, Convenient, and Profitable
Better than press releases, book reviews or book signings, you can create and promote articles conveniently right from your office or home. Give this a method a chance. You'll only be sorry you didn't do it sooner!
title:"Own" Your Workspace
author:Cassandra Black
date_saved:2007-07-25 12:30:05

Cassandra Black
Yuwanda Black
676A Ninth Avenue, #363
New York, NY 10036
Tel:  212-626-9038
Fax:  646-557-0039
"Own" Your Workspace
ATLANTA, GA - May 21, 2003 - Many full-time employees spend 40 to 50 hours per week in a cubicle or small office environment.  When a person spends that much time in one place, it would seem the decor of that space would reflect their personality and personal style.  Not true for most workers.  With "political correctness" naturally setting the tone in most corporate environments today, decorating a common work space to personal taste has been severely limited.  But with a little creativity and grouping of small items with common themes, one's personal decorating style can be introduced in subtle ways. 
Here are a few tips to get you started: 

choose a theme for your area (i.e., ethnic, tropical, etc.);
wall calendars come in a menagerie of styles -- chose one reflecting your imagined theme;
find a mouse pad that reflects the look for which you're vying;
purchase decorative stationery and matching envelopes that compliment the setting;
frame small pictures of family members and/or pets in coordinating styles;
your coffee cup need not have the office logo —  choose a bold pattern that suits your personality and your decor theme;
even your screensaver can boast a thematic background — scour the web and find the perfect one for the look you're creating!

"A small item can make a big statement when strategically placed," says Cassandra Black, partner of, an online retailer of home decor with ethnic themes.  So as not to offend anyone,  Ms. Black says a basic rule of thumb is "when in doubt, don't." 
There's no harm in tastefully coordinating a few small items on your desk or in your office that subtly tout:  "This space belongs to me..."  According to some experts, it may even increase productivity.
Have fun decorating your work space to personal taste!
Yuwanda & Cassandra Black are the owners of Ethnic Home Decor offers soft home furnishings with ethnic themes at affordable prices. For more information or to schedule an interview, see contact information.
title:“Penny Wise and Pound Foolish”
author:Sue and Chuck DeFiore
date_saved:2007-07-25 12:30:06

This saying came to mind when reading my Icop newsletter. JL  was discussing things that Chuck and I talk about all the time. A couple of weeks ago while listening to Jim Edwards’ audio newsletter he ranted about the “psycho freebie seekers” (love that name). Jim rants almost as well as Dennis Miller.
Anyway these two newsletters and what they had to say have been rolling around in my head for a couple of days now. What came to mind is that people who run Internet businesses from their home are no different than those who ran businesses out of their home in the 80’s…..they don’t want to pay for anything. You would think with all the failed businesses they’ve had it would dawn on them that it is because they have done no research, no business plan, no determination on whether or not there is a market for their business in their vicinity. They don’t do mission statements. I could go on and on.
Unfortunately, too many people still think all they need is a computer, fax, and some business cards. In fact, they don’t even give out the business cards, they leave those in their office in nice little card files. A lot of good that’s doing them.
They will spend money on all the trappings but not on education, mentoring or consulting. As Chuck once said to me when I started my first business, and didn’t do any marketing “You will be the most organized business in bankruptcy court”. It was a wake up call.
As Jim and JL discussed, and Chuck and I run into every day, people want to pick our brains for information and answers. After all, they have been conditioned that IT’S FREE. They feel it is their right to do so.
The Internet especially has made people think that information is FREE. Yes, it is, but those of us who have niches, and have written books all put in a lot of time, effort, and energy in researching, writing and marketing our products. SO NO IT IS NOT FREE. We worked very hard to put together excellent products to the best of our ability and WE EXPECT TO GET PAID FOR THEM.
These individuals also have over inflated egos. “Who me, ask someone for help, and what pay for it. Oh, no I’m sure my way is the right way. People just don’t appreciate my great product (service or fill in the blank). I’m just as good, if not better than he/she is.”
It would never occur to them to pay someone to show them what is wrong. Or take a class, or purchase a book that might help. Nope, they say, it’s not that, it must be something else. It’s always some one else’s’ fault or some things’ fault, never theirs.
Unfortunately, the impetus for this behavior was fostered starting back in the 80’s when home based businesses were just starting to come into their own. Many of  the magazines and publications of the 80’s (and now the Internet) fostered the idea that ANYONE can run a home based business. Remember those magazines that had little kits for Word Processing businesses, basket making, medical records, etc. People bought them, followed them. Some did well, but others couldn’t figure out why they didn’t succeed.
They didn’t succeed for several reasons. First, none of them did the basics, the grunt work. Checking first to ascertain whether or not this business was even a viable one in their area. If it was, checking out the competition, making up a business plan, a mission statement. Setting up goals for themselves for daily, weekly, monthly, short and long term. Setting up a publicity campaign, working with the different media, setting up a marketing plan, networking.
All of the things that those of us that have been in business did so that we can stay in business. We were not “penny wise and pound foolish! “ We succeeded, through a great deal of hard work, effort and hard knocks that we plan to get compensated for. We are not going to give it away for “free”.
Copyright 2003 DeFiore Enterprises
title:"Planning" To Make a Decision?
author:John Robertson
date_saved:2007-07-25 12:30:06

The longer I've been around companies the more I believe the words "Planning"  and "Decision" are seldom used in the same sentence!  And the business fallout  because of poor planning when making decisions is staggering. 
The effects of a decision gone bad tend to linger around for months or even  years.  It is a fact that most businesses fail not because they did not make  decisions but because they did not make good decisions.
With so much riding on your ability to make the right decisions it is prudent to  brush up on the technique of decision making and the process involved in  planning to make them.
Planning allows a decision to be made on your terms and in a much more  comfortable and intelligent way.  It allows you the time to consider several  options without the last minute rush.
There are four benefits to decision-making planning:
1. PLANNING ALLOWS YOU TO SET THE GOALS YOU WANT.  That means  you are not so much focused on the external events that don't relate to what  you are trying to accomplish.  Many decisions are incorrectly made based on  things that steer one's life rather than becoming proactive decision-makers.
2. PLANNING PROVIDES A WAY TO MEASURE SUCCESS.  The plan of  action is your mirror to measure how close (or far) you are from  accomplishing your goal. This measure is important because it can show you  immediately when you are off course and need to make adjustments and  corrections.
3. PLANNING CHANGES THE "DO" TO THE "GET".  Planning converts ideas,  values and activities into action.  Planning is not the end result; it is the tool to  convert the idea into a specific action or actions.  Planning helps you convert  your company's goals into your individual goals and helps you get results.   Remember most companies pay you for action NOT activity.  It's not the "do"  it is the "get" that makes the difference.  A good plan is to keep what you are  trying to accomplish in the focus at all times.  Ask yourself is what you are  "doing" now, "getting" the results you are responsible for?
4. PLANNING HELPS ALLOCATE YOUR RESOURCES IN AN EFFICIENT  MANNER.  Few companies have unlimited resources.  A good plan helps you  maximize the resources you have.   Remember that dollars are not your only  resource.  Recourse that you will need to manage includes people, tools,  assets and company propriety information.  By consulting you plan often, you  can see concerns before they become problems and you can shift available  resources to cover the unexpected issues.
 Planning to make a decision is a perfect example of the Pareto principle - the  idea that by doing 20% of work you can generate 80% of the advantage of doing  the entire job. Pareto analysis is a formal technique for finding the changes that  will give the biggest benefits. It is useful where many possible courses of action  are competing for your attention.
Perhaps by spending the 20% of your time thoroughly planning you next decision  can save you 80% of your time.  Why not give it a try?
There are several methods you can use for planning.  Words such as Strategic,  Tactical, and Operational may come to mind.  However, these are specific  planning procedures. Each has their place in business
(C) 2003 TrainingConnections.ORG
All Rights Reserved
title: Pre-empt the Radiation or Die
author:Burak Fenercioglu
date_saved:2007-07-25 12:30:06

Professor Lawrie Challis reminded President George W. Bush’s doctrine of pre-emption with his invention. Now, it is time for mobile industry to put their act together unless they are ready to become the next customer battleground.
At West Point, in a speech, President George W. Bush shared the doctrine of pre-emption with his cadets that he articulated as a countermeasure to September 11 attacks. Pre-emption, defined as the anticipatory use of force in the face of an imminent attack, has long been accepted as legitimate and appropriate under international law. In the New National Security Strategy, however, the Bush’s first administration was broadening the meaning to encompass preventive war as well, in which force may be used even without the evidence. This particular idea had still been severely debated and really staled but Professor Lawrie Challis’s invention has brought the President’s angle back into perspective.
A simple magnetic bead can reduce the radiation from hands-free mobile phones to virtually zero. His set of kits stops the radio waves traveling up the wire and into the head. His take was mobile industry should start using it as a standard and promote it as a marketing material.
Mobile Manufacturers Forum rejected Professor Challis's call for them to be used on hands-free kits. They said, “Beads can have an impact. But the bigger issue is that mobile phones are tested to be comply with standards and have been passed safe.”
Reducing emissions to the head to zero is possible but manufacturers neglect to put them on hands-free kits. Ignorance is bless. Tests are king. The reality is, even one customer with skepticism of practices is enough for an avalanche in the industry.
Look at the tobacco industry… Undoubtedly, the most regretful people not to come up with such an idea like Bush’s were they. The most reviled industry has reached the peak level of saturation but could not cope with ceaseless accusations since the beginning of the 90s and lost enormous ground. The strategy of being contentious in good, old days - just like telecom is doing today - triggered looming litigation threats, which in turn, caused big tobacco companies’ stock market value to plummet dramatically.
Today, ranging from pharma to food, plenty of industries would be feeling the same pressure that tobacco guys had a decade ago. The lesson is obvious. If a considerably large company is somewhat related to health, it is to their benefit to take extra care of sanitary issues.
Professor Challis accepts that there is no evidence saying mobile phones are harmful to health. Though, he also points out that people have not been using them long enough for us to be sure. He, as the chairman of the Mobile Telecommunications and Health Research Program, has a concrete point.
Adding to that, customers need to see companies doing everything they could to better serve to their health. Customers are customers but they are more hostile than competitors when it comes to the reasons of their doctor visits.
The simple, softheaded strategy is pre-empting the attack through applying Challis’s technology. This is a golden opportunity given to the mobile manufacturers. Take it, don’t leave it!
On one of those “Today Show” with Matt Lauer, Donald Trump said: “I learned a lot from my brother who was an alcoholic… And I watched his life just be destroyed, I don’t drink, I don’t smoke. I never had a drug in my life ... alcohol is a drug. I mean, alcohol and tobacco are both terrible drugs. And, you know, I’d like to see the lawyers start going after the alcohol companies, cause I think alcohol is a much greater detriment than cigarettes.”
Legendary icon can be called sentimental. Though, he is pointing fingers in front of the public and lawyers would be excited to follow his order. However, the reality is that, the effect would not be as bad as tobacco industry as they achieved to pre-empt the attack by expanding their product line into non-alcoholic beverages and transformed their holistic market message to ‘Drink Responsibly’. This has put industry into low-key.
Every possible way to improve end users’ healthy relationship with the product needs to be heeded. On some extreme cases, it may be unattainable. Then, companies should focus on health on their R&D purposes and align their product line accordingly, which can be named as pre-emption. Challis’s finding, in that respect, is given. Even though there is no sign of an imminent attack, it is the future where problems and past where answers lie. If mobile industry insists on not accepting it, customers will be there to hunt them down.
author:Robert A. Kelly
date_saved:2007-07-25 12:30:05

Please feel free to publish this article and resource box in your  ezine, newsletter, offline publication or website. A copy would  be appreciated at Word count is 765  including guidelines and resource box.  Robert A. Kelly © 2003. 
Is that what we are? Fanatic, over-the-top disciples of some wretched obsession?
Well, maybe not fanatic, or even wretched or obsessive, but  certainly SOLD on the reality that people act on their own  perception of the facts before them, leading to predictable  behaviors. And equally sold on the next step too, create,  change or reinforce that perception/opinion by reaching,  persuading and moving-to-desired-action those people whose  behaviors affect the organization.
Why am I sold on what amounts to a fundamental premise  for public relations? Because it’s the best way to insure that  you, as a manager, get the key external audience behaviors you  need to help achieve your unit objectives. 
It also makes the proper execution of the public relations program very important to other managers like yourself in any  business, non-profit or association.
Here’s one approach that can work just fine.
Jot down your unit’s, or department’s, most important  audiences, then prioritize them as to the impacts they exert  on your operation. Let’s look at #1 on the list because, clearly, any organization, including yours, must stay in touch with its  most important external audiences in order to know how  it is perceived, remembering of course, that behaviors usually  follow perceptions.
Now, you need to interact with members of your target  audiences, monitor what they think about you and ask lots  of questions. “What do you know about us? Have you had  any contact with us. Was it satisfactory?” and so on. Be  alert to an untruth, an inaccuracy, or a potentially damaging  rumor.
The responses to your opinion monitoring form the basis for your public relations goal. In other words, the specific  perception to be altered, followed by the desired behavior  change.
Obviously, the goal will seek corrective action. That is,  clear up a misconception, scotch a rumor, or correct an  inaccuracy.
But a goal without a strategy is like a hot dog without a bun.
We’re fortunate we have just three choices when it comes  to strategies to deal with opinion matters: we can create  perception where there isn’t any, change existing perception,  or reinforce it. But make sure the strategy you select flows  naturally from your newly-minted goal.
Now, here’s where the art comes in. You have to write the  corrective message going to the attention of members of the  target audience. The satisfying part of this chore is the fact  that, done right, it will change opinion and, thus, behavior.  No small feat!
The art lies in the writer’s ability to prepare a message that accomplishes that objective clearly and in a believable,  persuasive and compelling style. Not easy, but an absolute  must!
How do you get that message “into the end zone?” That is,  before the eyes and into the ears of members of your target  audience?
Good old “beasts of burden” communications tactics will  come through for you and carry your message to the attention  of your target audience members. And there are scores of  them ripe for the picking.
You can choose from letters-to-the-editor, speeches and  news releases as well as consumer meetings, brochures,  radio interviews and many, many others. Just be careful  that the communications tactics you choose have a good  record for reaching folks like those in your target audience.
The day will come when someone asks, “are we making any  progress with this PR effort?” A good and proper question,  the answer to which is available back out among the  members of your target audience. Assuming your budget  cannot accommodate pricey professional opinion surveys,  you and your colleagues can re-monitor perceptions among  audience members asking the same questions as before.
The difference this time around is that you will be watching for  perceptions altered in your direction – perceptions changed  as a result of your corrective message and some aggressive  communications tactics.
You can always increase the beat by adding a few more  communications tactics, and increasing their frequencies.  And be sure to re-vet the message itself for clarity and  actual impact.
The payoff is clearcut – you get the key external audience  behaviors you need to help achieve your mission objectives.
'Shifts' to Help You in Times Good or Bad

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Six months ago, the economy was roaring. Stock prices were going up, interest rates were staying low, unemployment was down. A few months later, those indicators all were going in opposite directions. Now, it's hard to tell from day to day where we stand.

'Shifts' to Help You in Times Good or Bad

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Six months ago, the economy was roaring. Stock prices were going up, interest rates were staying low, unemployment was down. A few months later, those indicators all were going in opposite directions. Now, it's hard to tell from day to day where we stand.

I'm optimistic that the current situation is a short-term one, and that long-term prospects are for growth and good times. But that doesn't mean that there won't be dips, sometimes deep, along the way. The question is: Are you positioned to take advantage of the good times and navigate the bad?

You have to expect one as well as the other. Fortunately, there are "shifts" you can take that will serve you well during both.

1. Get out of debt. The quicker the better. You can't take advantage of opportunities when you're mired in debt. And there are opportunities in both good times and in bad. In both, debt keeps you from profiting from the opportunities that present themselves. In bad, it magnifies the negative, as the cost of money increases and debt service becomes an ever-increasing portion of your expenses.

2. Think globally. No longer can we afford to think and act locally. We must have a broader

vision. We must think about how our vocation, our business and our industry will operate in a global economy - because it already does.

3. Be entrepreneurial. This is the age of the free agent. Even if we are and plan to continue working in a larger company or organization, we must at least think like an entrepreneur. We need to be "in-trepreneurs." Seniority and experience does not have the value that it did. Producing results - and profits - is what matters.

4. Become a capitalist. The wealthy own assets, the rest own liabilities - things that cost money to own and maintain. Capitalism is not a dirty word. A capitalist, by definition, is someone who owns assets - assets that produce income. Stock, equipment and businesses are assets that generate income. In America, 80 percent of all millionaires are self-made. Be one of them.

5. Be flexible. Things are moving at a rapid pace. This demands adaptability. Things will not remain the same, nor will they go back to the way they used to be. We must be willing to change directions quickly. It's dodge and weave time. It is time to embrace change. Shift happens!

title:“So You Want to be a Millionaire . . .”
author:Eileen Silva
date_saved:2007-07-25 12:30:07

We are in the best of times and the worst of times for MLM . . .  Jobs are scarce, and many people are facing employment insecurity.  Time freedom and income freedom, which used to give us our “sex appeal” as an industry, have shifted in their impact.  Regular jobs sometimes offer flex-time, which puts a J-O-B on a par with our industry, and the income freedom that you are seeking has remained elusive for many, where as a salary, however meager it may be, is predictable.
Ask yourself these questions:  1.  Where is your company headed?   (Mission statement, leadership, integrity issues . . .) 2. What is your life mission? 3. Do you have a genuine, trusted role model who exemplifies true devotion to the company and its substance? 4. Is your “mentor” successful on the level you’re striving for? 5. Who is your target audience? 6. How appealing does your product/service appear if you remove the compensation? 7. What is your basis of emphasis --- is it about “you” or “them”? 8. How are you planning to upgrade your lifestyle when you double your income? 9. Do you have a clear-cut work program designed to generate your immediate and short-term goals? 10. Is your belief locked in enough to sustain you through disappointments and setbacks? 11. Are you willing to learn to lead from the back of the room? 12. Are you patient? Answering these questions should give you clarity about what you want and what you’re willing to sacrifice to make it happen.
Beginning this business, you are entering what I call the Bun Syndrome. My husband, Taylor Hegan, and I always have what we refer to as “a lot of buns in the oven.”  We’ve got “buns going in” (new distributors), “buns cooking” (beginning builders), “buns browning” (leaders developing) and “buns leaving the oven” (advanced leaders on the way to millionaire status). As we are not in the ‘convincing business,’ we expect our team members to participate in leadership mentoring and follow through with commitments on their own. I want to recommend to you a book that I have gleaned insights from and that has expanded my thinking, The 21 Irrefutable Laws of Leadership by John Maxwell.
Ask yourself one more question, “If you continue to think like you’ve always thought, you’ll continue to get what you’ve always gotten.  Is it enough?” As I continue to re-invent myself as an industry leader, I realize that I cannot ask people to do what I am not currently doing, nor can I expect them to exceed the pace I set. Even though we have earned over five million dollars with our company and worked our way to the # 1 distributorship production level, we still execute all the elements of the business and continually field test to see what is effective in today’s marketplace.
Everything works some of the time and nothing works all of the time.  We must be ever vigilant to examine ways of expanding when the economy fluctuates. It is imperative that you stay open to breakthrough thinking and give the industry a three-year internship commitment.  Then, get ready for the most thrilling time of your life.
The MLM business is fun, lucrative, creative, non-discriminatory, rewarding, people-oriented and ever-changing. If you want to attach yourself to a career with no ceiling--- you have come to the right place.  As a former schoolteacher, I have to pinch myself when I think about the lifestyle that Taylor and I now lead.  I make more in a month than I used to make in a year. As you consider your MLM future, remember: “You cannot be anything outside of yourself greater than you are within.”  If you truly want to become a millionaire in this business, your own mindset and behavior must reflect financial success.  Remember: “likes” attract “likes” and “winners” gravitate toward other “winners.” There is room for you in our MLM winners’ circle if you earn your rightful place by becoming a top producer.  It is all about LUCK:  L aboring  U nder  C ertain  K nowledge The best part is--- you create your own luck.
Copyright 2005 Eileen Silva
"Starbucks-China" Blend: A Slam Dunk Grande

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Starbucks plans to open 8,000 franchises in China.  In a nation of tea drinkers, is this an informed business plan, or a high-risk venture?

Keywords:, starbucks, china, growth, advertising, search

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Admittedly, there are few genuine “can’t miss” propositions.  But I’ve got one for you, Starbucks in China.  Giant corporations being granted carte blanche in a totalitarian environment are reminiscent of an age when kings granted exclusive licensing for fur trapping.  Starbucks has the product, the relationships, and with some nimble campaigning they’ll have the ubiquitous branding in no time.  It will be game, set, match – if it isn’t already.   

China is the emerging powerhouse economy in the world today, but it is not a free-for-all for foreign companies.  Many companies, in America and elsewhere, would maintain it to be quite the opposite.  China has garnered a reputation for being rather lax in its enforcement of intellectual property laws.  Tech companies in particular, such as Microsoft, have been frustrated in seeing their handiwork pirated in China.  You may add golf club manufacturers, music companies, movie studios and any number of industries to the list of the aggrieved. 

And then there’s Starbucks, our giant American caffeinery.  I’m looking at a franchise right now from my office at in the Empire State Building.  It’s always busy, filled with sightseers.  Did you know that there’s a franchise at the Great Wall?  Were you aware that Starbucks announced an opening of one of their stores in Beijing’s Forbidden City, the Chinese were furious?  They initially resisted, but quickly got used to it?  (I guess the Chinese are just like everyone else.) 

What does Starbucks have that Calloway Golf doesn’t in order to do business like this?  A product that you can’t reproduce, that’s what.  You can’t fake coffee beans en masse.  That’s the cornerstone that guarantees Starbucks success in mainland China.  Their CEO, Howard Schultz, has declared China to be their “number one priority” in terms of growth. 

Schultz and Starbucks aren’t shy about their Chinese ambitions.  Currently they have about 11,000 stores in 37 countries, including about 375 in China.  By 2008 Starbucks expects to derive 20% of their revenue from Chinese locations.  Starbucks has a long-term goal of 30,000 stores and some 8,000 in China.

This is a ramp-up of truly gigantic proportions.  Remember, China is, perhaps in name only, a Communist country.  While some of the communist economic policies may have fallen by the wayside, the ministers in Beijing have tightly clung to their power.  Starbucks has been fully waved in, green lights, red carpet, welcome wagons – the works.  This isn’t because they think the CEO is a nice guy, but because their product, its distribution channels and everything can’t be copied.

I could hem and haw all day about this, but there’s more proof that the fix is in on behalf of the Seattle based coffee chain.  In recent weeks Starbucks has won not one, but two lawsuits in China protecting its intellectual property.  Some enterprising, and certainly observant, locals decided to copy elements of Starbucks brand and serve coffee themselves to their fellow countrymen.  No dice.  Chinese courts ruled in favor of Starbucks.

I wonder if the local coffee merchant thought he had a chance?  Did the Chinese judge think long and hard about the various merits each side had?  Were economic ministers in Beijing curious as to how this case would turn?  There was no drama.  An accomplished CEO like Schultz wouldn’t publicly refer to such lofty goals to succeed in countries like China without knowing he could reach it beforehand.  Somebody in Beijing likes them, or again, likes the revenue they generate.

It reminds me of a book I recently read on the infamous pirate Captain Kidd.  In short, the English crown hired Kidd to rob pirate fleets for profit.  While he was at sea, the winds of political change shifted somewhat and he became a scapegoat – his “trial” was a farce.  The powers that be needed a quick conviction and Kidd paid with his life.  Perhaps the stakes were not as great, but the outcome was just as assured when China ruled in favor of Starbucks against local knockoffs.

Okay, so Starbucks has the quality coffee and international distribution channels down, they’ve got a golden okay from Beijing, now all they have to do is convince a country with 5,000 years of tea drinking experience that there’s something new, something different – called coffee.  This calls for branding.

China is moving towards Westernization, or a more capitalist economy.  The growing appetites and expectations of a consumer driven society make the task of Starbucks task easier, especially since their competition is negligible.  With the appropriate deals struck in Beijing, it’s now time for Starbucks to sell themselves to the Chinese people.   Here’s how they’ll win:

They are aiming at the young urban Chinese demographic, and store locations are comfortable and offer a social setting – a welcome break from cramped apartments.
Starbucks locations will serve as Internet user hubs, where socializing and downloading music will be central to the Starbucks Experience.  Advertising agencies, like, will be running seasonal online campaigns (similar to this past Christmas season’s Red Cup campaign in the US) for Starbucks in order to associate the chain with what’s hip.  Crossing Medias like music downloads and entertainment websites will be crucial.   
There is a consumer consciousness that’s new to capitalist cultures (never leaves, actually) emerging in China that’s similar to Russia.  Coffee will be the drink of change and through multimedia branding with governmental support; this idea will be solidly reinforced.

I don’t push stocks.  I don’t preach politics.  I’m not searching for justice or defending oppressors.  But there is one thing I know – Starbucks can’t miss.

title:(Stocks) Steal Warren Buffet's Stock Market Lesson Plans?
author:David Jenyns
date_saved:2007-07-25 12:30:07

Why should you want to steal someone else's stock market lesson plans?
First, let me tell you that a trading plan is only useful if you follow it. Following your plan will make you successful, yet many traders circumvent the stock market lesson plans that they have carefully created. They become emotional invested in a trade, to the point where they ignore all warning signs. Remember, when the market corrects itself, which it always does, no position is immune, no matter how strongly your ego may be tied to it.
Many investors have stock market lesson plans that watch as their portfolio values are cut in half or more, yet they will still hold their positions. They may fear being left out of a big gain, or be so deep in loss that they felt they couldn't possibly sell at that point. But even if you believe that all positions will recover from their losses, and the truth is that not all of them will, this is a terrible way to trade.
You tie up too much capital, and your rate of return plummets. Just as you shouldn't become emotionally involved in a trade, you should also never become tied to ideas. By this I mean becoming so fond of a particular strategy or trend that you cling to it even after it has stopped working. You need to have strategies, and to have plans, but you must also be aware of the shifts and swings of the market, the beginning and the ends of trends.
When you first form your plan for a trade, you should consider what price or price range you think the stock is likely to reach. This is often called a target price, which gives some traders the wrong impression. A target price is not a price that the stock has to meet. A stock does not have to do anything. If you treat your target price as a goal, it can lead to many problems. Your target price should only be used as a guideline.
The target price helps you figure out your risk to reward ratio, and it gives you an exit point in your trade. At the least, it should give you a point where you'll reassess the trade's ability to continue to moving upward. But your trade may never reach your target price. Many market factors can interfere with its progress, and you may have set your target higher than you should have. Since there's no way all your trades will hit your price targets, it is a good idea to sell half your position at a more conservative target. Routinely taking profits will reward you in the long run.
There are a number of things that can interfere with a stock's movement and force you to close your position sooner than you'd anticipated. Your stock market lesson plans should cover all of these possibilities, but here are some reasons that should always prompt you to close a position:
1. The end of a trend. All trends end some time, and you should be prepared for this.
2. The stock's upward movement has slowed or been abruptly broken, ending its momentum.
3. The stock is approaching a major psychological barrier, perhaps reaching 100 dollars or 200 dollars a share, which should have been anticipated in your plan
4. The stock is about to reach a resistance level it has been unable to break through before.
This technical barrier should also have been anticipated in your plan.
5. A sudden market wide decline, or the threat of one, or some other serious uncertainty,
which leads to unsafe market conditions.
Exiting a losing trade is not a big deal. Ending a position whether or not the stock reaches its target price, in accordance with your stock market lesson plans, is good trading. The best traders would rather lose a small profit than take an unnecessary risk. You don't have to win on every trade; no one does, and it's dangerous to try. In fact, by limiting losses, a good trader can be profitable overall, and make money on only 40 percent of his trades. Cut your losses and start fresh with something else when you need to. You'll be happier, and you'll make much more money.

“The Cons of a 50/50 Equity Business Partnership.”

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This article could have been titled “The Pros and Cons of a 50/50 Equity Partnership”, but the cons far outweigh the pros.  When partnerships are formed, the obvious concerns are addressed.  How do each partner’s skills-set and experience complement each other?  How much will each partner contribute to get the business going?  How long will they grow the business until they entertain selling it?  Is that it? … hardly.

finance, mergers, acquisitions, valuation, company valuation, Internet

Article Body:
This article could have been titled “The Pros and Cons of a 50/50 Equity Partnership”, but the cons far outweigh the pros.  When partnerships are formed, the obvious concerns are addressed.  How do each partner’s skills-set and experience complement each other?  How much will each partner contribute to get the business going?  How long will they grow the business until they entertain selling it?  Is that it? … hardly. 

Once the business gets going no doubt economic and industry variables change which affect the business.  Each partner’s perception of the direction the business should go changes as well.  There are constant decisions with regards to the mixture of product and service offerings … the decision to get into another line of business or get out of one.  Should the focus be on a higher volume, lower profit margin business model or vice versa?  What about a shift to a more capital intensive model.  If the business becomes a success, many times potential investors creep in, whether an angel investor or venture capitalist.  Both partners need to agree on the investment proposal. 

What if one of the partners acquires an asset for the business whether it’s land, a building, a small data center, a thousand servers, or to complicate things further contributes an intellectual asset of some sort.  When the company is going to be sold, what is the value of the partner’s contributed asset?  Who is supposed to value it?  This can become an insurmountable hurdle.  Most buyers know not to value any one piece near what it’s worth by itself.

When it’s time to sell the company, the financial situation of each partner has no doubt changed since the company was founded.  The consideration for the company could be all cash, all stock or a combination of cash and stock. The tax implications of each of the three scenarios are different for each partner.  I have seen the process of divesting a company go up in smoke too many times because the partners didn’t agree on the proposed deal.  They spent years growing the business then totally disagree about when to sell, who to sell to, and/or how much to sell it for.   

Business is about return on equity, not “all for one and one for all”.  My suggestion … one ship, one captain.

"The Impact of Lacking Self-Esteem on Business Professionals"

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Many business people suffer from diminished Self-Esteem. This highy affects their effectivity. Discover how to solve this problem so your efforts in a business setting will drasticly improve and thus you'll make infinately more money!

Self-Esteem, Self-Confidence, Business, Home Based Business, Confidence, Personal Development

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Copyright 2006 Dr Joe Rubino

Studies show that at least 85% or more of the world’s people suffer from some degree of lacking self-esteem. Although one might think that such challenges are only characteristic of the poor, uneducated, or lower socio-economic members of society, people from all walks of life can suffer situational or more widespread challenges with their levels of self-esteem.

Many very successful business people lack self-esteem in some areas of their lives. Perhaps they feel socially challenged or they have difficulty establishing close or intimate relationships. Perhaps they experience low self-esteem with regard to their physical appearance or their health. Perhaps they are not having any fun in their lives, maybe devoting too much attention to their work. Many “successful” people are driven to succeed. They compensate for feeling deficient in other areas of their lives by working harder and finding a place they can excel through their work. This provides them with a new focus where they can win but it doesn’t fulfill their neglected needs in other areas like relationships, recreation, personal and spiritual development, health and appearance and their ability to lead balanced, fun, and fulfilling lives.

It’s not that there is something wrong with finding an occupational niche where one can be successful and feel good about oneself. However, many of those lacking self-esteem in other areas find themselves driven to accomplish, driven to prove their worth. Since business is an area where they can shine, they neglect other areas to focus excessively on business.

However, since their actions are built upon the erroneous belief that they are somehow not good enough, somehow defective or unworthy of being fully loved and accepted, there is little lasting satisfaction even in the arenas where they can excel. It’s as though they are climbing a ladder with the top of the ladder in the clouds. They think that if they can just climb high enough, they will be successful. They will have proven their worth. They will find satisfaction, happiness, and fulfillment. However, as they climb higher and higher, they never seem to arrive. There are always new goals and objectives challenging them to prove their worth. The more they achieve, the more they have yet to go. Try as they will, they never seem to fully measure up. Or, if they do, it is short-lived and fleeting at best. There is no arriving to the point where they find what they long for so badly — the peace of mind that comes from self-love and self-acceptance.

Because the foundation of their ladder is grounded on quicksand, they often find themselves sinking as rapidly as they climb. In fact, from their perspective, they will never reach the perfection they seek so badly. They will always find evidence to highlight their flaws and reinforce their fears of being unworthy, unlovable, defective in some way.

The message of The Self-Esteem Book is simple. No one needs to settle for a dimmed existence due to a lacking sense of self-worth.  Most people either make up or buy into thoughts that there is something wrong with them, that they are somehow inadequate, not good enough and not worthy of being loved and accessing all the good things that life has to offer. If they are willing to examine their past to get to the source of their resignation and diminished self-esteem, they can reinterpret what happened to them in such a way that they can heal and complete the past and eliminate negative self-talk while making a conscious decision to live their lives from a decision to strive for excellence and contribute to others. By developing a firm belief that they can impact people and the world around them and that they are, in fact, very worthy of receiving life’s blessings, they will manifest happiness and fulfillment.

In addition to the cost of never finding true happiness, long-term fulfillment, or peace, lacking self-esteem impacts business people in many other ways. For example, by not getting to the source of their self-esteem issues, they sacrifice their personal power, their ability to best pursue their life purpose and fully manifest their gifts in the world. If our energy is spent by being preoccupied with our weaknesses or being incomplete with our past, we can never be fully present to today and so we sacrifice our true potential to bring about a result.

Our relationships suffer as we will misinterpret the words and actions of others in a way that invalidates us and has us feel badly about who we are. We may be so driven to prove we are good enough that we sacrifice our personal effectiveness and charisma by focusing on ourselves and our deficiencies rather than on the wants and needs of others. We may play small and hide out in social situations or whenever the possibility of looking bad or “being found out” comes up for us. Or, we may overcompensate and turn to workaholic tendencies out of a desire to prove our worth to others or to ourselves. Because of this misdirected focus, we trade our ability to impact others maximally and to best contribute our gifts to the world.

The answer to escaping the vicious cycle of lacking self-esteem, diminished confidence, and the never-ending, frustrating quest for fulfillment lies in the 3 step process as laid out in detail in The Self-Esteem Book. The process starts with healing one’s past so that it no longer robs us of energy and consumes our attention. Once the pull of past ghosts is complete, we can then turn our attention to properly analyzing our present state of affairs. We can identify what’s working in our lives and what’s missing to support living an upset-free life in choice, a life that honors our most important values and inspires us to live passionately.

And finally, we can take that magic wand that is our birth-right, wave it over our lives and design our future deliberately. We can choose to do so in a way that excites us, as we cast off that gloomy state of low self-esteem, unhealthy resignation and self-pity that no longer supports us. We can live with the intention to honor our God-given magnificence and lead happy, fulfilled lives that fully contribute to others as we share our gifts with the world.

title:"The Lazy Way To Build A Responsive Opt-In Email List"
author:Adam Kling
date_saved:2007-07-25 12:30:05

If you're in business on the Internet to make a profit, then you're probably aware of how significant a list of prospects is to your success.
But what if you don't want to spend countless hours each and every week promoting, writing and managing a continuous email publication?
Well, here's a relatively-unused strategy you can apply to nurture a list of prospects who not only trust you, but are also eager for more of your expertise.
And that's *without* facing the daunting task of writing a newsletter issue every week, draining valuable hours of your business day
"What is it?", you ask...
It's simple! You use an autoresponder to store a pre-written newsletter publication. You can then let the autoresponder send out the pre-written issues to every one of your subscribers every week like clockwork.
"But Doesn't This Result in Far More Work?"
At first, yes, it may seem like a lot of work. But the secret is using your time *wisely*. Sure, you can write an issue each week... but when time permits, you could set up 3 issues all at once, thus not needing to write anything for the next three weeks (assuming you set each issue to go out weekly).
If you have your material to source information from (such as your own info-products) then this strategy will come in very handy and free up a lot of your time.
Instead of being forced to write a newsletter issue on a weekly basis, you can in fact write each issue in your own time, and simply add it to autoresponder for your subscribers to receive when necessary.
The best part is that your subscribers always get to read all of your issues no matter when they subscribe. And after setting up a certain number of issues, you can decide to stop writing and follow what I call the "read as I write" routine, where there is no set interval for future issues.
Of course, you can write an issue every week, but you may be more comfortable sending out an email whenever you have something to say, or perhaps a new article to send.
Remember, despite what the gurus tell you, there are no golden rules when it comes to developing your email list.
"The Secret Report?"

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Hi Vincent Furey Here At :»§«,¸¸,.·´¯`·.,¸¸,.·´¯`·.»§«,¸ ¸,.·´¯`·..
Sorry To Take Up Your Time Today.This Secret Could Chance Your Life ...
The Secret Report this is a great way to start off in the internet Marketing
Game,for a first timer.
Most of the stuff out their is no Good These Day's ...
Everybody has a bad start.
Keep Going >>>>>
A lot of people give Marketing up after 3 months,Why?? ill never know ...
You must understand that you have to spend money to make money in this
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There are Great Ways to Get Free Traffic also But You Must Learn The Right
Way's ...
A lot of people are looking to make money on the internet today but they
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Not telling me how they done it,so i would'nt have success,like them they
are very greedy People some of The Top Guru's ...
Just Remember You Can Make Money In Your Sleep, What more could You want
think about it you can't do that anywhere apart from the internet.

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Article Body:
I will show you how to use this Amazing System like i have with plenty of
other people this year ...
This is the Best of the Best to use for marketing with because you can link
this Secret Report up to any website you like.
You will see what i mean after you get the Report ...
There's People using this Amazing System today and making Million's ...
I want to Show You how i do Why??
Because the more You Make The More I make ...
Do not buy anymore junk on the internet and check this Baby out >>>>>
And get a Taste For The Marketing like i did few years Back.
Some of the top marketer's today don't even no about this Secret Report ...

Good Luck ...

Vincent Furey.

title:“The ‘Matrix’ Is Real: 5 Ways to Pull Yourself Free and Live More Prosperously”
author:Dan Klatt
date_saved:2007-07-25 12:30:05

As millions of people flood cinemas to see the new “Matrix” movie, most of them will have no idea that in fact they’re plugged into a real-life matrix.
However, the real life matrix is not run by power-hungry computers; it has everything to do with the way people have been programmed since they were babies.
Before virtually everyone learns to talk, they become plugged into the Matrix of Fear and Limitation.
Another name for it is the Culture of Lack Programming, or the Poverty Consciousness.
In too many cases, it’s keeping people living paycheck to paycheck and building a mountain of debt instead of a nest egg for the future.
They work for money, instead of money working for them, as it’s supposed to be.
These people often have to take additional jobs and end up losing their freedom – and that has tremendous impact on them:

They become needy. Their self-esteem takes a dive, because they must rely on their jobs, their bosses and perhaps others
They have no time or energy to spend with their partners or children. Love life? Not a chance. In fact, they’re under so much stress, they’re more likely to take it out on their partner and children, causing everyone to suffer more. This often causes families to split apart
They don’t see a way out of this spiral, and it seems to only get worse. This causes them to lose hope; their work suffers, and their life becomes a struggle

Hold on, though, because there is hope.
Here are five things people can do to get back in control of their lives and start breaking free from the Matrix:

Stop associating with negative people.
Being with complainers and gossipers, well, let’s just say it has a greater effect than people realize. Instead, surround yourself with positive, optimistic people who will leave you uplifted and full of hope.
Stop complaining yourself.
It’s really true what they say, that “what you focus on expands.” When you draw your attention to what’s not working in your life, you get a whole lot more of it. Instead, get into the habit of focusing on what IS going right in your life, and being grateful for that. You’ll start getting more things to be happy about.
Keep your TV off (or sell it) and don’t read or listen to any “news” programs.
All they do is promote fear and get people to focus on what’s not working. We already talked about how harmful that is to each of us. The media also gets people to focus on what’s not right about themselves (mainly through commercials), doing tremendous damage to their self-image, which has major impact on what they believe they can achieve.
Become a life-long learner.
When you read books and listen to tapes on personal development, you become a better person. That helps you realize just how much power you have and you make better decisions. It’s also true when they say that “problems are never solved at the level of thinking that created them.”
Listen to an inspirational tape a day and you’ll quickly rise above what previously seemed like insurmountable problems. You’ll also counter-act a lot of the negative programming you’re exposed to dozens of times every day.
Become a critical thinker.
You’ve already limited your exposure to negative, harmful messages from the people around you, the media and even your own self-talk. Yet you may not be able to prevent it all from affecting you. For example, much of the programming you’ve “learned” came from your parents, and you probably don’t want to break all ties to your family. And because almost all your Poverty Consciousness beliefs are based on habits you’ve had for perhaps decades, it will take serious work to counteract this programming.
By being super-critical of your own thoughts, the movies you watch and even the songs you hear, you can at least reject the influences you’re aware of that keep people down.

Taking these five steps to heart will enable you to change your life and your financial circumstances, actually as quickly and to the extent that you embrace them.
In truth it always has been within your power to determine how wealthy you are, and it is your birthright to be rich.
By replacing the old habits and beliefs that don’t serve you, and making these five steps the foundation for your new habits and actions, you’ll be able to pull yourself from the Matrix of Fear and Limitation, and instead be free, living a life of prosperity and abundance.
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title: Top 7 Ways Puppy Training Can Help Your Business
author:Chuck Yorke
date_saved:2007-07-25 12:30:06

As leaders we always want to improve the performance of our organization. To improve we must release the creativity in our employees, leaders must get involved in their employees’ work. Not everyone knows how to do this, but maybe it isn’t all that different than training a puppy. Following are seven common themes used in training puppies.
1. Have a proper kennel, it should not be too large, just enough space to stand up, turn around and lie down. Most puppies will not soil where they lay. Having too much space in your business attracts waste. Excess inventory, outdated machines, old files, and other junk will soil too large a space.
2. Schedule all feeding times at the same time each day. Companies through Japan have a practice called the “manager’s walk,” where a manager walks through their area at the same time each day. A theme is selected for each walk, asks questions around the theme and shares information. This is a powerful process for learning and sharing information.
3. Spend as much quality time as possible with your new puppy, this encourages him to do the things you ask of him. To release the creativity in our employees, a leader must get involved in that employee’s work. They must follow up on employee ideas and promote employee involvement in the business.
4. First thing in the morning take your puppy from the kennel to the area you’ve decided will be the place for your puppy to eliminate. If your puppy eliminates then praise and reward him. Your business also needs a consistent startup procedure.  Maybe a quick meeting about what needs to be done today to share a common understanding of today’s goals. Be sure to include a review of some of your employee’s ideas and a plan for how you will challenge your people to improve the business. Also, think of topics for your “manger’s walk.”
5. Proper clean-up is critical to proper housetraining. A puppy will return to where he has eliminated before if it is not properly cleaned. Your workplace also needs to be properly maintained. Sort through your materials and remove what isn’t needed. Materials that are necessary should be properly stored, so everyone knows where everything goes. Clean equipment, tools and the workplace. This is a foundation for both safety and equipment maintenance.
6. Prevention and positive encouragement are the best ways to teach your puppy. Once an employee identifies a solution to a problem, put a procedure or fixture in place to prevent the problem from reoccurring. Respond to your people’s ideas. Use praise, show respect, thank them and treat them the way you would like to be treated. See how they ideas can or cannot be implemented and provide positive feedback.
7. Punishment won’t help. Screaming or hitting will only create fear, confusing and training your puppy to soil when you are not around. Enough said.
Copyright © 2005 Chuck Yorke - All Rights Reserved
title:(TSR) Trading Guru Reveals Personal Money Management Secrets - Hidden Tactics That Ensure Trading Profits
author:David Jenyns
date_saved:2007-07-25 12:30:07

How personal money management works: In the markets it`s possible to be right, and to still lose money. In fact, it`s pretty common. Traders who win on a high percentage of their trades often end up with their capital eaten away, and nothing to show for their work. They lose their gains because they don`t know how to manage their money.
Being a good manager of your own money is one of the most difficult trading skills to learn. But if you don`t use good personal money management to lock in profits, take small losses on the picks you`re wrong about, and control your use of margin, eventually you`ll lose everything, no matter how good of a trader you are. You need to make protecting your capital your first priority if you want to be successful.
As a trader, your capital is the most valuable thing you have. Without it, you can`t trade at all. For this reason, bringing in no profits on a trade is better than losing any part of your capital. If your account is intact, you can always make a profit another day. If your capital has suffered a loss, you`ll be wasting effort playing catch-up. The more you`ve lost, the longer it will take to get back to where you started from, because you`ve got more to make up for, and because you`ll have a smaller chunk of capital to work with. A smaller capital base means smaller percentage returns on profits. Making 10% on a $10,000 account earns you $1,000, but if you`ve lost half of that account and have only $5,000 left, making 10% on your money will earn you only $500. You`d have to do that twice to make the same $1,000.
Sound personal money management has two main goals: to avoid losing money, and to avoid missing profit opportunities by tying up capital in problem trades for long periods of time. Failing to avoid either of these will cost you. The first goal is straightforward. You want to preserve your capital and whatever profits you`ve accumulated. But you don`t just want to keep your capital, you want to trade with it as well, to continue to grow it and make your returns larger and larger.
Working to avoid losing those profit making opportunities isn`t quite as obvious a goal. With the second goal in mind let`s compare the outcomes of two money-management decisions. Trader A buys a stock, expecting it to go up, and finds that it doesn`t. However, he`s certain it will go up eventually, and he`s incurred a small loss, so he decides to wait it out. He ends up holding the stock for three months before finally selling it. Trader B buys the same stock at the same time as Trader A, but once he sees that it isn`t going up, he sells it at a small loss. He buys another stock and makes a 15% profit on it. His next trade loses 1%, but after that he makes 8 %, 15%, and 30% on a series of trades. Because he is growing his account, he makes these percentages on a larger and larger base of capital each time. At the end of three months, his account has grown by 48%.
Whose personal money management decision turned out to be the best? While Trader B made a nice profit, Trader A not only lost time but also never made his money back. Even if he had made his money back on that stock, it`s hard to see how this was a good use of his capital over the course of three months.
Clearly the goal of not tying up your capital in problem trades has an important impact on your profits. Practising sound personal money management will keep your capital and your profits safe. Though it is a difficult skill to learn, once you know how to practise good personal money management, you can almost guarantee that you will be a success as a trader.

title:(TSR) Why Are We Giving Away These Trailing Stop Loss Tips for Nothing - This Is Not A Misprint
author:David Jenyns
date_saved:2007-07-25 12:30:07

A trailing stop loss is calculated in a manner like the way we calculated our initial stop loss. The only difference being that while we calculated our stop loss from the entry price, we're calculating our trailing stop loss from the highest price since entry. The key to the trailing stop loss is that you need to make continual adjustments to make sure that the stop is moved in your favour.
The method that you use to set your trailing stop loss can vary dramatically. However, if we use the ATR method that we used to calculate our initial stop to set our trailing stop loss, we'll have the ability to lock in the profit as the share price increases.
For example, if you bought a share at one dollar, and your initial stop was set at 90 cents, your trailing stop would also have a value of 90 cents. If, after the first day, the share price moves in your favour and moves to $1.10, you would recalculate your trailing stop loss by subtracting two times the value of the ATR from the new high price of $1.10. For simplicity, let's assume that your stop size hasn't changed, and is still ten cents wide. When you calculate your new trailing stop loss, by subtracting the 10 cents from $1.10, it would be set at one dollar.
At this point, your initial stop was at 90 cents, and your trailing stop loss is now at a dollar, with the share price is at $1.10. Since your trailing stop loss is higher than your initial stop, the initial stop becomes obsolete, and our trailing stop loss becomes your active exit.
Now, my question is, How much profit have you made on this trade? The share price is at $1.10 and we entered at one dollar. If you thought, No, I haven't made any money, then you'd be right on track. Remember, our stop loss strategy gives the share price a little bit of room to move.
You're not going to exit this position until the share price reverts to one dollar. I'ts important to note that when you are valuing any open position, you should always value it based on its stop loss value, since if you were to exit this share, you would wait until that price point was breached.
Let's go back to the example. Now, what happens if the share price begins to fall? Let's say that the share price falls from $1.10 down to $1.05. What does your trailing stop loss do? Would it move down also? Here's another important point. A stop loss will never, ever move down. A trailing stop loss can only move up. This ensures you lock in profit and that you'll also get out of the shares once they start to turn. A trailing stop loss is always calculated from the highest price since entry, so the highest price is still $1.10.
It's not until the share price makes a new high since entry that the trailing stop loss would begin to move in your favor again. However, if you're using the ATR method, there's another way for our trailing stop to move up. This would occur when the volatility of a stock begins to decrease. If a share price were to begin to move sideways, the ATR value would start to drop off. This would cause the trailing stop to move up as the share price became less volatile.
The best way to understand these concepts is to print out a chart with the ATR values along the bottom. Then on the chart, identify the point where you would have received an entry signal, and mark your initial stop loss and your trailing stop loss.
As the trend progresses make sure that you recalculate the value of your stop so you can begin to get a feel for the way this method of using a stop loss works Seeing how the changes in stock price affect you trailing stop loss will give you the confidence to make them a key part of your trading system.
title:(UF) At Last .. A Trading Veteran Reveals The Truth About Technical Analysis of Stocks vs. Fundamental Analysis
author:David Jenyns
date_saved:2007-07-25 12:30:07

Nothing we do in society prepares us to function effectively in the commodity markets and an environment with no real boundaries. But, most of us are brought up to function well in society, so we`ve acquired strategies for fulfilling our needs and desires that are geared toward social interaction and acceptance. We don`t just take what we want, we take other people into consideration, too. Not only have we learned to depend on each other to fulfill our needs and desires, but in the process we`ve acquired many socially based techniques for assuring that other people behave in a manner that is consistent with what we want.
The commodity markets may seem like a social endeavour because there are so many people involved, but they`re not. While we may have learned to depend on each other to fulfill basic needs, the market environment is different: it`s every person for themselves.
Not only can you not depend on the market to do anything for you, but it`s extremely difficult to manipulate or control anything that the market does. If you`ve become effective in your personal lives at fulfilling your needs and desires by learning how to control your environment, but are existing as a trader in an environment that does not know, care, or respond to anything that is important to you, what do you do? You take control.
One of the principal reasons so many successful people have failed at trading, is that part of their success, outside the market, is due to their ability to control their social environment. To some degree, everyone has developed techniques to make their external environment meet their needs and desires. The problem is that none of those techniques work with the commodity markets. The commodity markets don`t respond to control and manipulation, unless you`re a very large trader.
However, you can control the way you deal with market information and your own behaviour. Instead of controlling your surroundings so that they fit your idea of the way things should be, you can learn to control yourself. Then you can view information objectively, and choose to behave in a manner that is in your own best interests. You do this by creating rules to trade by, and following them.
Nearly everyone agrees that you need to have rules to be successful in trading, but most traders have no intention of following any. Most people who are interested in trading resist the idea of creating a set of rules. The resistance may be subtle, but it`s still there.
Often this is a response to how we acquired our first set of societal rules. Our parents, relatives, teachers, or friends gave most of the guidelines we live by to us when we were children. These guidelines were taught to us, we did not create them, an important distinction. During this time, many of our natural impulses to move, express, and learn about the nature of our existence through our own direct experiences, were stifled. Some of these impulses were never reconciled, and can still exist inside of us as frustration, or disappointment. The accumulation of these types of feelings can cause a person to resist anything that keeps them from doing whatever they want, whenever they want to.
The very reason most people are attracted to trading, the unlimited freedom of choice and decision making inherent in trading, is the same reason they feel a natural resistance to rules and boundaries. The need for rules may make perfect sense, but it`s difficult to generate any enthusiasm for these rules when you`ve been trying to break free of them most of your life. It usually takes a great deal of effort to break down a traders resistance to establishing and abiding by a trading regime that is organized, consistent, and reflects prudent money management guidelines. But, once they do, the possibilities for attaining consistent trading success are limitless.
title:(US) How to Pull Back and Bounce Back From a Bad Trade
author:David Jenyns
date_saved:2007-07-25 12:30:07

Everyone makes mistakes in the markets. But, how do you bounce back and pull back from a bad trade? There's really no such thing as a perfect trader, and don't believe anyone who says they've never had a loss. They have, and if they are any good, they've learned from their mistakes, and then put the mistakes behind them.
The key to success is learning how to pull back. First, you have to understand the basics. The good news is that the more you trade and the more experienced you become, the fewer mistakes you'll make. If you use stops and pull back on all your trades, even a few large mistakes won't wipe you out. Instead of being perfect, you should aim to improve continually, while using proper trading techniques and money management skills. But while it's in your power to prevent avoidable mistakes, some market events can't be planned for. The market cannot be made into a completely safe place
If you are alert and nimble when you trade, and have stops in place, quick market changes shouldn't hurt you badly. But it's always possible to be completely surprised, to have a disastrous computer crash or other equipment failure at the wrong time, or to simply be unable to exit a large position quickly enough. Occasionally, you may be wrong about a trade you felt very confident about. Events can sometimes conspire against you, causing you to sustain a large loss. And though losses like these are devastating, you can recover from them, with a bit of work.
Often the best thing to do after a big loss is to take some time off from trading. I recommend doing something else for a week or two. It will put the loss in perspective, and give you time to recuperate from the emotional shock.
When you're ready for it, take some time to analyze the experience. Setbacks can be great learning opportunities, if you have presence of mind to take advantage of them. Spend some time figuring out the best way to keep the same thing from happening again. Then add these ideas to your trading strategy. Consider if it was a weakness in your money management skills or your strategy that contributed to the problem. Decide what you need to do to keep the problem from happening again, and then do it.
Once you've made your changes to your trading system, trade on paper or in a simulated account for a while. This will help you to feel comfortable and in control before you start trading your account again. You will need to get your confidence back before you start actually trading. Also, your time off will have left you a little out of touch with the market, and this is a good way to get up to speed without risking capital.
When you return to actual trading, treat it as a new start, free of pressure to regain lost capital. Whatever you do, don't keep punishing and distracting yourself by trying to make up for the loss. Don't affect your thinking by putting that kind of pressure on yourself. Consider the mistake a thing of the past. The only way to trade successfully is to trade with confidence. If you're feeling guilty or are scared of a repeat disaster, you won't be able to trade with a winning attitude.
This is how you pull back. Once you have that winning attitude back, make only trades that you have confidence in. With your strategy fine tuned and your confidence back, you will soon be completely emotionally and mentally recovered from your loss. It will become one of many points on the road that you've passed on your way to becoming a successful trader.
title:(UTS) How Stops Help You To Make Money In The Stock Market
author:David Jenyns
date_saved:2007-07-25 12:30:07

To make money in the stock market, setting stops is an imprecise science and involves a lot of trial and error, but it is an integral part of being a successful trader. A good analogy is to compare stops to buying insurance for your business. Should you avoid insurance altogether just because you’re not sure exactly how much you need, or because it will cost you a little money? No. Instead, you estimate and do the best you can, and in the end it will be well worth the effort.
Where insurance limits risk of loss through disasters, stops limit your risk of loss on bad trades. Stops make it possible to take small losses and get out when a stock goes against you, protecting your capital. Yet, some traders find that they are unwilling to take a loss on any stock. They don’t want to admit that they made a mistake.
Another key to make money in the stock market, what often separates a good trader from a bad one is the ability to take small losses. Your goal, as a successful trader, is to take small losses and make big gains. If you do this, you’ll be profitable. But, you ask, what if you stop out of a stock you still want to trade? Well, you can always buy it back later, and likely at a better price, if the trade still has potential.
Besides limiting risk and helping you take small losses, stops are valuable because they protect profits on winning trades. As I discussed in a previous article, you must lock in your profit when you trade, or you can lose it. You can ensure that you keep your profits by using trailing stops. A trailing stop is a stop order you place below the current price of a long position, progressively moving it up as the price of the position increases so that the stop follows the position up. For a short position, to make money in the stock market you set a stop above the current price and then move it progressively down, following the position as it trends downward.
This means that once you have a profit, you move your stop nearer to the current price so you’ll stop out with most of your profits intact if the position moves against you. If the stop executes and you decide you want to trade the position again, you can buy it back at a better price than you sold it for and then ride it up again. That’s how a good trader makes and keeps money, make money in the stock market by taking small profits multiple times, rather than risking too much waiting for a big win.

"When Prospects Give You The "Silent Treatment"

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There is a pressure-free way to reestablish communication when your prospect starts giving you the "silent treatment."

cold call, cold calling, sales training, phone selling, phone prospecting, sales prospecting, sales scripts, telesales, telemarketing, mortgage selling, mortgage cold calling, insurance sales

Article Body:
If you’ve been selling for a while, you’ve probably had at least one experience in which your prospect suddenly started giving you the "silent treatment."

Anthony described this dilemma very poignantly when he called me a few weeks ago:

"Ari, I don’t know what to do when I get hit with the ‘silent treatment’ -- you know, when I’ve worked with a prospect for quite a while, and we’ve had great conversations, and they've expressed interest in our solution -- and then all of a sudden everything stops.

I try calling them back once or twice. I even send a follow-up e-mail, but nothing. They just disappear. And I figure I’ve lost the sale, and I don’t know what I did wrong, or what to do next. It makes selling feel like such a painful and arduous process."

If this has happened to you, you may have felt anxious and confused. You may have told yourself, "It’s not as if I’m the one who did anything wrong. I put everything into the relationship. How can I rescue the sale if I can’t even get them to talk to me?"

The "Hopeium" Trap

There is a pressure-free way to reestablish communication when your prospect starts giving you the "silent treatment." But first, it’s important to understand why the situation has happened in the first place.

Most of us who sell get caught up in "hopeium," a comical term that means we focus our hopes and desires on making the sale. But hopeium can be a trap, because it's impossible for you to keep in mind your most important goal: to learn your prospect’s truth.

When we fix our minds on the outcome -- making the sale -- we automatically begin anticipating how the process will go, and we also begin expecting that things will happen as we hope they will.

But if we’re in that mindset and our prospect suddenly breaks off communication, we feel lost, anxious, frustrated, discouraged, and confused. We become preoccupied with what went wrong.

We may even feel betrayed.

Is there any way to clear up the mystery?

Yes, by giving up your agenda and learning the truth about where you stand with your prospect --and being ok with whatever the truth may be. "But how can I learn the truth when they’re avoiding me?" you may ask. "And why do I need to let go of the sale?"

Let’s take the second question first.

If you approach your prospect while you still hope the sale will happen, you’ll introduce sales pressure into the relationship. This will push your prospect away from you and destroy any trust you have developed with them. Instead, you can eliminate sales pressure by telling them that you’re okay with their decision if they’ve decided not to move forward.

In other words, you take a step back instead of trying to chase and follow up with calls because you’re focused on getting a "yes."

The bottom line is:

When a prospect gives you the "silent treatment," it doesn’t mean you’ve lost the sale. It just means you don’t know the truth yet.

What you need to do is call and learn the truth.

Why is learning the truth so important?

Here are 4 important reasons:

1. You stop losing confidence in your selling ability. The "silent treatment" threatens our "hopeium." We start blaming ourselves. We don’t know where we stand -- a painful state of limbo. Our self-talk is negative and full of self-blame, and we’re on pins and needles wondering whether the sale will still come through somehow.

2. You increase your selling efficiency and decrease your stress level. Once you learn the truth about your prospect’s situation, you can either stay involved with the prospect or move on. I often say, "A ‘no’ is almost as valuable as a ‘yes.’" Why? Because it frees up your time to find prospects who are a better fit with your solution. This lets you work much more efficiently because you can quickly weed out prospects who aren’t going to buy. Knowing the prospect’s truth lets you walk away without that guilt-laden voice whispering, "If you give up, you don't have what it takes."

Learning your prospect’s truth translates into tangible results that equal real dollars. You’ll also put an end to the self-sabotaging stress that comes from living in "silent treatment" limbo.

3. Sales pressure pushes prospects away. When you respond to the "silent treatment" with calls and e-mails, you’re really telling them that you’re determined to move the sales process forward -- which means you’re looking out for your needs, not theirs. This makes them mistrust you and run the other way.

4. The "silent treatment" -- totally breaking off communication -- is how prospects protect themselves from sales pressure when they don’t feel comfortable telling us their truth. The more we press, the more they run.

But the opposite is true, too. The more we relax and invite the truth, the more straightforward they’ll be with us. Prospects feel okay sharing what’s going on with them when they know we’re okay with hearing it.

How to Reopen Communication

After Anthony and I had talked about some of these issues, he said, "This all makes a lot of sense, Ari, but I’m still not sure what to say when I make that call."

It’s simpler than you might think.

* First, simply give your prospect a call. (E-mail and voicemail are very impersonal, so use them only as last resorts if you can't reach your prospect after several phone calls.)
* Second, take responsibility and apologize for having caused the "silent treatment".

Here’s some language I suggested to Anthony that will make prospects feel safe enough to open up and tell you the truth about their situation:

"Hi, Jim, it’s Anthony. I just wanted, first of all, to call and apologize that we ended up not being able to connect. I feel like somewhere along the way maybe I dropped the ball, or I didn’t give you the information you needed. I’m not calling to move things forward because I’m assuming you’ve probably gone ahead with someone else, and that’s perfectly okay. I’m just checking to see if you may have some feedback as to where I can improve for next time."

When you respond to the "silent treatment" this way, the results will probably surprise you. You may even learn that the prospect has legitimate reasons for not having gotten back to you.

You’ll also find yourself more productive and less frustrated. It’ll make a world of difference in your productivity level, your stress level, your income, and how much you enjoy what you’re doing.


You haven’t lost the sale. You just don’t know the truth yet.

title:“Where is America headed to?”, New York Millionaire wonders…
author:I-key Benney, CEO
date_saved:2007-07-25 12:30:06

Hello! Happy new year. May you live a long healthy life and prosper.
According to a study by US dept. of Health & Human Services, 96% of Americans never achieve financial independence. They end up depending on charity, welfare, family, or are forced to keep working past their retirement age.
According to the IRS, 85% of the people reaching age 65 years don't have even $200 in their bank accounts! US Census Bureau says that 97% of Americans never realize their dreams and desires in life, and are forced to retire on annual income of $10,000 or less!
The average American is $15,000 in debt, not including their homes and car payments.
Parents will have to spend over $150,000+ to raise their kids to the age of 18 years, and will spend another $77,000 to send them to college.
Every day, about 2,200 Americans lose their jobs, while more than 20,000 families lose their homes to foreclosure every year, and another 500,000 file for personal bankruptcy.
Some of the largest US corporations have been continuously downsizing their work force and laying off thousands of people during the past ten years.
 America is weakening and sinking deeper into a debt nation. The paradox is that America is the richest and greatest nation on earth, and yet millions of the people live below the poverty level.
Why is it so? Why is it that 1% of the Americans control 37% of all wealth, 60% of all the corporations, and 10% of all the real estate?
One of the reasons is that most people do not know the SECRETS of the RICH and POWERFUL and are ignorant of the dynamics of wealth creation, preservation and perpetuation.
The majority of the people have been misled to believe that to achieve financial security, success and happiness, all they have to do is to go to college, obtain a degree and get a job.
Nothing can be further from the Truth!
To make both ends meet, both husbands and wives have to go to work.
In some cases, some people have two or more jobs: day job, evening job, and weekend job.
They spend every minute of their lives running from one job to the next, and have no time to enjoy the money they make or the company and love of their families.
Both the husband and wife hardly have time for each other or their children.
The children have no role models and are devoid of proper parenting. Some start missing classes, hanging out with the wrong gang, using drugs and committing crimes.
This leads to moral decay, lack of discipline, dropping out of school and life in and out of prison, teenage pregnancy and welfare dependency.
It is pathetic! Even when both parents are working, they still have mountains of bills to pay: mortgage, car, credit card bills and personal loans.
When they lose their jobs, they are unable to continue with the payments, so they lose their car, then their homes and credit line and probably end up on skid rows.
This leads to marital strife, discontent, divorce and depression.
And life in other continents and countries of the world are not better!
Since the economies and the currencies of the other countries of the world depend largely on American economy and currency, whatever happens in America ultimately affects the other countries!
America gives billions of dollars in financial and military aids annually to many countries in the world.
But many of the governments of these countries (especially the developing ones) are corrupt to the bone!
They steal these billions of dollars and salt them away in secret Swiss Bank accounts.
They don’t use it to build manufacturing industries that will create jobs for their country people.
They don’t use it to build the infrastructures to enhance the quality of life of their people.
Their people have no modern amenities and infrastructures, good roads, electricity, running water, telecommunication service, or jobs.
They have no business, no future and no hope!
That explains why some of them dabble in scams, while others escape to seek a better fate in America and European countries.
Instead of giving billions of dollars to these corrupt governments that enrich a few corrupt politicians, why not give the same billions of dollars to American corporations so they can go to those countries and help them build up their economies and create jobs that benefit the people?
That is what American government should be doing, if it is seriously interested in helping people from other countries of the world.
This may help improve international relationships and restore the respect and love that other countries once had for America.
Please feel free to print or publish this article anywhere and read and also send to your friends and well wishers and please preserve the resource box below.
Have a happy new year filled with sunlight, success, good health and may your dreams and ambitions come true.
I-key Benney
title:"WHO" should Be Selling In Your Sales Copy?
author:Craig Garber
date_saved:2007-07-25 12:30:08

Who's "voice" your sales letter is written in, is a very
important factor you MUST consider,
before you ever sit down and write ANYTHING.

And of course, your entire marketing "angle" is going to be
dependent on that voice as well.

Generally, you have 3 choices of "voices" you can use.

First, you can use the actual person who is "selling" the goods and

You've got to be careful with this one though, because your
prospects are going to be somewhat skeptical whenever YOU
personally are pitching something YOU will benefit from, for
obvious reasons.

When you are pitching in your own voice, I always find it
easier, and more enjoyable -- and maybe this is just a
personal preference with me -- to do this when you're
selling a "service," or when you're selling information --
as opposed to when you're selling a tangible product.


Simple: Because you can only talk "so much" about a
hand-held widget, but you can virtually go on forever about
information that's in a book... a newsletter... a kit... a
"system"... or a set of services you're performing.

And this is important, especially as the price of the items
you're selling increases. Because the more you tell, the
more you can justify your high prices... credentialize
yourself... and go into detail about the benefits of your

Tomorrow I have a special treat in store for you,
plus... I'll tell you about another "voice" you can write
your sales letters in.

Now go sell something,

Craig Garber

P.S. Wanna see more tips like this?  Go check out the
title:“Why You, Why Now” - A Critical Component of a Winning Business Plan
author:Dave Lavinsky
date_saved:2007-07-25 12:30:06

Business plans continue to be an essential element of the capital-raising process. They must convince investors to take notice - investors that are shrewder today due to the ups-and-downs they have experienced over the past few years.
Adding to the financing challenge is the plethora of high-quality companies, both public and private, in which investors can choose to invest. In this environment, more and more investors are asking companies seeking capital the question "Why You, Why Now"?
The question seems simple at first, but has many complexities. The management team must clearly delineate what it is about the business opportunity that makes it such a good investment now. Should this investment have been made a year ago to cement a market leadership position? Or, is the venture before its time - will slow market adoption cause slow sales over the next few years, and as such, should the investment wait. Questions like these, based on investment failures from the past few years, continue to surface and must be addressed by the management team in their business plans.
Likewise the team must address what it is that makes them uniquely qualified to succeed. Does the team have proprietary (and protectable) technology, management talent and experience that competitors do not, long-term strategic partners? According to Growthink president, Dave Lavinsky, "Management teams must prove to investors why they are unique and why they will succeed. They can't just state how wonderful they are - they need to prove it through detailing past successes and unique qualifications."
A business plan that fails to address the "Why You, Why Now" question, is most likely a business plan that will remain in the stack of "not now" business plans. Business plans must present a compelling argument as to why the investor should invest and in our fast-paced world with unbelievable opportunities and opportunity costs, why investors should invest now.
title:"Will That Be Cash Or Credit?"
author:A. Raymond Randall, Jr.
date_saved:2007-07-25 12:30:06

From Bangkok to Edmonton, credit card statements stuff mail and email boxes with payment deadlines. Every bill reminds the giver that gifts given freely do not come free. Giving and buying often exceed generosity and need as a brittle piece of plastic becomes an avaricious spoiler of hopes and dreams.
During this week, two families emailed me about credit card debt. One family lugs $12,000, and $50,000 shackles the other. Each family wants relief; however, debt accumulation comes easily while debt relief sucker punches emotions and wallets.
Consumer debt burdens the workers of all economies. Highways jam with the doldrums, "I owe...I owe...It's off to work I go". . Truly, as an ancient proverb reminds us, "The debtor is servant to the lender".
Nearly every government graphs consumer debt. The U.S. Federal Reserve's January report set U.S. consumer debt at 2 trillion dollars; the highest level in U.S. history. Canadians report an all time low savings rate (when debt goes up, savings goes down). Thailand consumers pushed debt levels up 25% last year. United Kingdom families might be forced to reduce their spending or sell their homes if interest rates ratchet up just 1%.
Debt management resources can guide consumers to the high ground of debt relief as many credit management companies discover the need for debtor assistance and education. However, consider these steps before doling out more money to a credit assistance agency.
1. Manage your feelings. Take some time journaling your emotions about money by asking yourself where you learned personal definitions for fear and greed. Have some fun taking the innovative surveys found at
2. Push-off the weights of procrastination. Take action; do it now. This work requires sweat and concentration, but the rewards assure you of freedom and achievement.
3. If you learned to spend, you can master saving (ultimately, it's all about saving). However, before spending more money on reducing your debt and increasing your savings, educate yourself. Go to, a non-profit consumer financial education organization. You will find "how to" books, such as "How to Eliminate Your Debt Like a Pro" along with many other self-help resources. Don't let someone else do for you what you can do for yourself. Working through your debt as a fascinating experience allows you to own your choices by changing your viewpoint.
"Creditors have better memories than debtors." - Benjamin Franklin
4. Myvesta may not suit all your needs, therefore add the toolbar to research other similar sites.
5. If married, discuss credit card management with your spouse. Two issues undermine romance: money and...well, you know the other one.
6. Don't take a consolidation loan whether personal or home equity unless you find this the very last alternative. If you accept a loan, " 'till you drop" the interest rate.
7. If behind on payments, call credit card companies minute. Find the right person for you to discuss your circumstance. If greeted with putdowns and parental tones, end the conversation, wait awhile and try another person. When you must, request a supervisor. Be gracious, professional and persistent with a plan of action.
Most Americans carry 5 or more credit cards around. Take four of them and bury them in the backyard. Keep one for emergencies. Diligent efforts now will guide you toward financial freedoms in the future. Best wishes; if you act on this or similar recommendations, you will stand in a small crowd. Best wishes; if you act on this or similar recommendations, you will stand tall in a small crowd.


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