Top 7 Ways To Get Rich

Want to be one of the lucky ones on the road to riches, want to be on the freeway to financial freedom, on your way to wealth? Here are the top 7 roads to riches, the top 7 easiest and fastest ways to acquire wealth ...

Inherit it

This is how today's old money families got their wealth. In the 1800's and early 1900's, before anti-trust laws, income taxes and political correctness, America's finest families built empires and amassed great wealth; in industries such as oil, banking, newspapers, sugar, transportation, land, bootlegging and even prostitution. And that original wealth was passed down to succeeding generations. The number one easiest and fastest way to acquire wealth is to inherit it. Unfortunately, inheriting wealth is mainly a matter of blood; you have to be born into the right family.

Marry it

If you can't inherit it the second easiest and fastest way to acquire wealth is to marry someone who is already wealthy. And sometimes that person may even be kind, generous, compatible and loveable. And, if not, divorce can pay off handsomely. Just remember to get married (and divorced) in a state that has favorable community property laws.

Work for it

If you can't inherit wealth and can't marry it then you can work for it. People rarely get rich having a job. Rather, they build a company and own it. And then often take that company public, collecting hundreds of millions, or billions, of dollars in doing so.
Or, they invent something useful and valuable which greatly benefits society, such as explosive devices like dynamite, or the paper clip or the thigh master or eBay.

Win it

If you can't inherit wealth, can't marry it or can't work for it then maybe you can win it. Lotteries abound, paying out multi-million dollar jackpots, and eventually someone always wins them. Unfortunately, you have a greater chance of being struck by lightning then winning the lottery. But, hey, it only costs a buck!

Steal it or deal it

If you can't inherit wealth and you can't marry it, work for it, or win it then maybe you could steal it or deal it.

You could become a CEO or chief financial officer for a big cash-rich company, cook the books, steal millions of dollars, buy a $20 million dollar home, lie to the feds, and hope you don't get caught, convicted and sent to Club Fed. I don't recommend anyone try to get rich this way.

Also not recommended is to deal it; to become a drug lord and generate hundreds of millions of dollars in cash dealing heroin, crack, meth and other non-FDA approved goodies and wholesaling it to pushers who will gladly resell it to anyone to wants it, ranging from children to movie stars. After all, aren't drug dealers just supplying what people want; even if it creates crime, ruins lives, kills people or could put you in jail for the rest of your life. Not a legal (or moral) way to get rich.

Gamble for it

If you can't inherit money, can't marry it, can't work for it, can't win it, can't steal or deal it then maybe you could gamble for it. Over 50 million people play poker. A few even make millions of dollars at it. You've seen them on television, winning or losing upwards of a million dollars on the turn of a card. Looks easy, doesn't it? They don't look so tough on TV; I bet any decent poker player (like me for instance) has a good chance of beating them on a lucky day. So maybe you could simply plunk down $3,000-$25,000 per tournament entry fee, or get a backer, join the World Poker Tour, win a few tournaments and get rich! Or maybe, in reality, the average amateur poker player has a snowball's chance in hell of getting rich that way.

Invest and get rich

If you can't inherit wealth, can't marry it, can't work for it, can't win it, can't steal or deal it or can't gamble for it then maybe you can invest and get rich. There are 2 good ways to invest and get rich; the real estate market and the stock market.

According to historical data, over time, real etate goes up a average of 10% a year. So getting rich in real estate tends to take a long time. And also requires a large down payment. Hard to get rich quick that way.

On the other hand, the stock market can be a good way to get rich. Stocks can go up dramatically over a relatively short period of time and make you rich but you have to have the money to invest and you have to pick the right stocks at the right time.

To recap how to get rich:

1. inherit it
2. marry it
3. work for it
4. win it
5. steal it or deal it
6. gamble for it
7. invest for it

These are the top 7 easiest and quickest ways people can get rich. How will YOU do it?

Become a Millionaire From Home!

Alan Korber is the creator and publisher of the successful Korber Strategy, a simple easy-to-understand stock market investment strategy that can pinpoint stocks likely to go up 50%-100% in the next 12 months. His website is akorber.com

5 Ways to Make Money Online

Make money from home, who wouldn’t want to do that? It’s an attractive idea. It’s a great idea. It’s the new way to earn. If the idea of wanting to make money from home has crossed your mind, you are not alone. Thousands of people around the world are sick of their jobs and looking for work at home opportunities. Stay at home Moms, such as myself, are looking for ways to make extra money from home so they can spend more time with their children and at the same time, contribute to the household finances. College students are looking for ways to create income so that they can have extra money as they go to school.

Learning how to make money from home is one of the best things you can do. There are many benefits you can enjoy by making money at home. It is a rewarding experience and one that is worth the time and effort.

The first critical step to make money from home is to start with a good idea. The best way to do this is to sit down and identify what it is you're passionate about. Do you have a special talent, such as playing a musical instrument? Are you a great cook? Do people always come to you for advice on how to fix things? What are your hobbies and interests? If you stop and think about it, any one of these can be turned into a profitable product for you to create and sell. Remember, the number one thing people use the Internet for is to look up information. So the best way to make money from home is to give the people what they want by having your own website, centered around your own products, hobby or interests.

If, after brainstorming, you still can’t think of something to create and turn into a product to sell online, don’t despair. There are many ways to make money online. Here are just a few:

1. eBay - One of the quickest and easiest ways to make money from home is with eBay. You can sell anything you want, from stuffed toys, old clothes your family has outgrown or never worn, to computer peripherals to a recipe book written by you. Clean out your garage and closets and you’re sure to find things you want to get rid of. Remember the old saying, ‘one man’s junk is another man’s treasure.’

2. Affiliate Marketing – Don’t have a product of your own to sell? Then try selling someone else’s. How many times have you recommended a product or service to a family member or friends and they went out and bought it? We do that all the time, right? Now imagine doing that on the Internet only this time you won’t be recommending something to a few people. With the power of the Internet, you can recommend products to the entire world, if they have an Internet access that is. With Affiliate Marketing companies pay you for referrals that result in a sale or lead. Joining affiliate programs is one of the "free ways to make easy money" on the net. It's very easy to get started.

3. Paid Surveys - Another easy way to make money from home is filling out Paid Surveys on your computer. I have done this myself so I know it works. The only downfall to this is that you have to have a lot of time to dedicate to this. Some surveys are 20 minutes or longer and will pay you anywhere from $2 to up to $100, although I have never been lucky enough to qualify for a $100 survey. I don’t have a lot of spare time to dedicate to this so I choose to spend most of my time being an Affiliate Marketer, selling on eBay, and creating products to sell. I make more money doing that than filling out Paid Surveys. If you are still interested in making money with Paid Surveys by all means feel free to do so. Just keep in mind the time involved and the fact that you will make money, but you may not make lot of money doing it.

4.Stock Photography - One easy way to make money from home is by using your photos. Stock photography is very big right now. Many companies and large corporations need pictures they can use on their website or brochures. They will pay Stock Photography Companies a lot of money for quality photos. Some corporations even create software that have pictures in it, such as Print Artist, Print Shop, Sierra Utilities and other software programs. Stock photography companies will pay you even more when a company uses your picture in software programs because they have to purchase a special license, which means more money in your pocket. So if you have a digital camera and can take good pictures, visit these Stock Photography websites to get an idea of the kind of pictures they need. This is easy money doing something that doesn’t even seem like work.

5.Homemade Videos - Another great way to make money from home is to create interesting home made videos. Do you know how to play the piano? If so, create a video showing people who to play. Piano lessons can be expensive and the instructor has to leave when their time is up. With a video your customers can watch and learn any time they want. You can make Homemade Videos on so many different topics such as; recipes, how to build your own computer, how to cut hair, how to train your dog to do tricks, how to lift weights properly, how to use a certain software program and many more topics. I personally know someone who creates videos showing people how to use a certain software program and he makes a lot of money selling the video tutorials. Put your mind to work and think of something you can create.

There are actually thousands of ways to make money at home working online. I’ve only listed five of the ways I make money. I could have listed more but then I would have written a novel instead of an article.

There's no doubt about it, the best way to make money from home is to work for yourself using your home computer. You’ve spent hundreds or even thousands of dollars on a computer so let it pay for itself by putting it to work for you. Why spend your entire life working for someone else, when you could work from home and be your own boss? Making money from home is the new way to earn a living.

I love money, especially when it comes easy. Let me give you a friendly warning though. The ideas I’ve listed on ways to make money are easy, but they do require a little bit of work on your part. Your success is going to be determined by how much you put into each program. Remember, if you pick something you enjoy, it will not seem like work at all.

How to Make Money Online with eBay, Yahoo!, and Google

To Your Success, Anna Allen

For more information on various ways to make money online go to: http://www.moneymakingresearch.com where you can find "honest" reviews, or visit her blogs at: http://moneymakingresearch.blogspot.com and http://wannamakemoneyonline.blogspot.com.

5 Ways to Make Money Quick and Easy

This is where the rubber meets the road. Traction is something we all lack when we are doing our research and ultimate field tests in the quest for our first million. More traction would be great whatever step in the ladder you are at.

We generally focus on helping fledgling millionaires in our work because it is the most rewarding and gives us the greatest bang for our buck. To see an individual go from clueless to savvy in a fortnight is a gratifying experience. When its our resources that helped that transformation, then its very satisfying indeed. So thats the area we focus on here. This is for people who need direction but have small resource capital to manufacture acceptable results.

So lets give you a little traction before you sieze your jets.

The following 5 strategies will give you the moves to take you to the first level. -A guy with a proven idea that can be replicated-

(An enviable position to be in)

1) Lets get this straight. Million dollar bank balances are numerical in nature. By that I mean a million bucks is not made up of 1 large million dollar bill. Its made up of exactly one million single's. Or to go to the lowest common denominator, its actually numerically made up of One thousand, million (or 1 billion) cents.

Make money fast and easy by thinking of money as numerical and therefore exponential. A dollar that you hold in your hand is the same as $1 million dollars. No difference at all. Its a seed that grows into a tree, then that tree spurrs more seeds. (I apolgize for the metaphor, but how else can we put this so you understand the nature of the reality as it is)

2) When you approach your 1 million dollar goal, you are biting off much much more then you can chew thinking about that million.

To make money fast and easy always think small. Refine, refine, refine. Then duplicate, duplicate, duplicate. Are you with me? Is this making sense? Make a simple little mouse trap, then make lots of mouse traps exactly the same way.

3) Find demand and supply into that demand.

To make money fast and easy, even before you think about "what" you will do, you are going to research demand. You will become an expert at sniffing out needs. This skill is a millionaires bow and arrow. Let me tell you, most millionaires couldn't hit the side of a barn much less the bulls eye. But they DO know this. So their aim is not important. What is important is that the target is nice and gigantic. How can they miss?

Trust me, its what millionaires do, its how millionaires think. Always supply into Fat juicy demand where the pickin is easy. Do you want medals of bravery or a million bucks asap?

4) Have a structure you never deviate from.

They always failed to plan when they planned to fail. Once your research is done never deviate from it. Give it a good run but if it doesnt work out for you then move on without shedding a single tear. Chance and "chaos theory" are fascinating things. Probability is what millionaires deal with. They never delude themselves into believing in absolutes.

To make money fast and easy, you will not work backwards or second guess yourself. Plant yourself firmly in the middle of the road on the high side and go forward. Don't make it up as you go. Stick to what your demand planning told you to do. Many give up after 1 failure, but probability is a funny thing. We think we can control it, but even when all your ducks are lined up in a row, it may not work. But give it a chance and let it prove itself and you may find over a number of attempts you will get the results you expected.

5) Diversify AND Go deep.

They call out diversify when it comes to investing. Fair enough. Things change and relying on just one source for your income stream is dangerous. And it is. But there are two sides to every coin.

The pareto principle states that reality and probability are stacked unevenly. We as rational human beings think of everything as equal and even. However scientific evidence and business experience tells a different story. The pareto principle is also known as the 80/20 rule. It states that 80% of your results comes from 20% of your activities. Is this significant if true? You bet. It means that of every effort you make, of all the many things you do to manufacture your results, only 20% actually is responsible for a large proportion (in fact 80%) of them.

So what does this mean in English? It means you can easily quadruple your results by finding out what that special 20% activity is and stop doing everything else. By focusing on just that 20% activity you will not only increase results, but you will create a new pareto principle refined of the old one at a higher level. In this way you move forward and evolve your activities to higher and higher levels.

To your health and rapid success.

The Millionaire Maker: Act, Think, and Make Money the Way the Wealthy Do

Jack Reynolds was a broke Insurance salesman only 2 years ago, today he owns assets valued at several million dollars. What did he do in 24 short months? You can read about Jack's remarkable and rapid transformation and download Hayden's famous book "The Million Dollar Mentor" by clicking here.

20 Easy Ways to Advance Your Career

 

To survive and thrive in today's competitive environment, it is not just what you know. You also need to be competent. You must stand out from the crowd - be memorable, impressive, credible, trusted and liked.

"Success is never a destination - it is a journey."- Maya Sullivan

1. Exceed expectations; deliver results on a or head of time.

2. Manage your time effectively.

3. Create a career plan with goals and training requirements.

4. Move away from day-to-day operations.

5. Develop strong rapport with colleagues, senior managers/executives.

6. Get a mentor, accept guidance in your career.

7. Know your organization's goals vision, values, business strategies.

8. Create opportunites to further own/business goals.

9. Solicit feedback and assess the decision for purposes of continuous improvement.

10. Communicate effectively to people at all levels of your organization.

11. Build and maintain relationships with individuals who might impact your work.

12. Plan, prioritize and organize your work.

13. Manage own emotions and reactions.

14. Balance the demands of your personal and professional life.

15. Give yourself quarterly reviews, identify your accomplishments.

16. Become your own sales team, market your abilities.

17. Dedicate yourself to lifelong learning.

18. Be decisive and action oriented.

19. Commit to excellence and professionalism.

20. Be self-disciplined.

Career Opportunities


About The Author

Cecile Peterkin is a trained Career/Life Coach and speaker whose work centers primarily on middle managers and their various challenges. She also works with individuals who are ready to move forward, take action, achieve goals and experience overall life improvement, both in personal and in career.

Cosmic Coaching Centre
www.cosmiccoachingcentre.com 

4 ways to make money online

Do you want to make money online? There are about 4 ways in my opinion.

First, you can take the paid surveys online. Many companies want to know whether a program good or not when they start a new program. How can they know? Some of them ask research companies for help. These "research companies " will give the paid surveys. When you complete a survey, you can get $5 or more. For example, when a company want to manufacture a new product, they need to know the opinion of target customers. What do the customers like? What do they think about the size, shape, color and so on? So the company need to do a research. Now, if you are one of their target customers, you take their survey, then they pay you some money. It is so easy. The online thing you need to do is find some survey companies and join it, they will notice you when new survey come.

Second, you can buy things online and save money. Saving money means making money, doesn't it? There are tons of free stuff or coupon codes when shopping online. Compare to traditional ways, selling online' low cost make many manufactures save more money. So they sell things online at very low price. Some of the things are totally free.

Third, building you your own website can make money too. The more visitors, the more money you can get. You can join some affiliate programs which is the third party between you and companies who are doing business online. You can also join Google Adsense, which is largest PPC company, will giving you money when visitors click the ADS on you website or your blog. YPN, which is powered by Yahoo, can give you much money too. By the way, the target of the visitors is the most important. For example, if your site is featuring about weight loss, the offers of loss weight free trials will run very well.

Fourth, why don't sell your things online? Sell your products on ebay is one of the best way. You can even sell your things via Google Adwords. Why don't start you own home business and earn more money? You can get more and more money while shopping online is more and more popular today and in future.

Now, these are the ways to make money online in my opinion. You need to do a research of the ways for more things if you want to try.

Jia, a professional money making online person who has been doing home business for years, maybe can help you. My website which is about making money online will give you some help too. Just check out the link below: http://www.cashken.com

Top 5 Easy Ways To Make a Career Change

By Perri Capell


Many people find it difficult to change careers because they think they have to do it in one big leap. But you can start by taking small steps that will lead you where you want to be professionally, without losing significant income or disrupting your family.

Here are five ways to make the transition.

1. Build on functional skills. If you like using your core skills and knowledge, consider transferring them to a different industry or field.

Lucinda Wright was a marketing executive for Battle Creek, Mich., cereal maker Kellogg Co. for nine years, rising to vice president of marketing for natural and frozen foods. She then started a consulting business that helped companies with marketing issues. Meanwhile, she volunteered at her graduate business school, the Eli Broad School of Management at Michigan State University. In 2004, when the school needed a new director of career services, Ms. Wright was offered the job.

She now markets the school's M.B.A. program and helps students market themselves to employers. "I'm applying my experience and knowledge to new targets," says Ms. Wright, who is 43.

If this type of career change might work for you, identify your key functional skills and experience and repackage them in a resume aimed at the new field. Next, think of employers to approach and network to learn of possible openings.

2. Return to school. This can help you enter a new field that requires educational credentials that differ from your current background.

After earning an engineering degree, Joe Flerlage joined Underwriters Laboratories Inc. in Northbrook, Ill., and worked his way up the ladder to become an engineering group leader. But he dreamed of becoming a lawyer and decided to attend the DePaul University College of Law at night while continuing in his engineering job during the day.

He commuted to class in downtown Chicago after work and studied at night and weekends and during lunch. After three years in law school, he resigned his engineering job to join a law firm. He finished his last year of law school while working as an associate at his current firm, Brinks, Hofer, Gilson & Lione, a 120-attorney firm in Chicago.

This strategy isn't right for everyone because of the time it requires, says Mr. Flerlage, now 38. However, he says he made more money immediately as a law associate than he did as an engineer with nearly 10 years' experience.

3. Start a parallel career. This is a career that begins while you continue in your former field.

After relocating to New Orleans for her husband's career 1997, attorney June Coldren needed to pass the state's bar exam before she could practice. Meanwhile, she helped her husband set up and run a consulting firm serving oil-and-gas companies.

After she passed the bar, Ms. Coldren did pro bono work to learn more about the law field in Louisiana and explore whether to join a firm or start her own firm. Meanwhile, she helped with the paperwork for her husband's company at night. When her husband accepted a full-time job, he urged her to continue with the consulting business.

Ms. Coldren decided to take his advice and learned the oil-and-gas industry from the ground up. Ten years later, her firm, Cenergy Corp., has logistics services and consulting arms that contract out rig and wellhead supervisors, geophysicists and other exploration-and-drilling professionals.

If you keep your day job, while working weekends or at night in a second profession, be careful not to antagonize your primary employer, since companies don't always view moonlighting favorably.

4. Make an internal move.
If you like your current company, consider a change of jobs there that launches your career in a new direction. Identify unfilled needs -- perhaps things others don't want to do -- and volunteer to do them while in your current job. You may be saddled with extra work temporarily, but it may get you into the new area or a promotion.

"Seek new learning opportunities and ways to expand your skills," says Arlene Hirsch, a Chicago career counselor.

5. Go cold turkey. Suppose you don't want to stay in your current job another day longer. For you, quitting outright to enter a new field may be an option, especially if you can survive temporarily without an income.

Deborah Bolin wasn't making enough money as a photo-journalist in Dallas and grew tired of working side jobs to pay the bills. She quit to get her real-estate license and became a mortgage broker to learn the home-sales industry. In three months, she made $60,000, more than she had ever earned in a year, says Ms. Bolin, who is 53. She has since moved to Monroe, La., and is selling real estate full time.

Career Counseling: A Holistic Approach

-- Ms. Capell is a senior correspondent for CareerJournal.com.

5 Ways To Buy Real Estate With No Down Payment

When I got my start in the real estate investing game, it seemed very hard to learn any actual way to buy properties without any money out of my pocket. To say the least, I was discouraged. To save some of our newer members the same frustration, here are 5 tried and true "no money down" real estate investing methods.

The Owner Finance

Quite simply put, this is what happens when the owner owns the property free and clear and extends credit to you in the form of a note and mortgage. If you negotiate the owner finance correctly, you can get into the property with no money down. What's more, if you're really sharp in your negotiations, you can get a pretty nice interest rate as well. The downside of this method is that most owners simply won't do it. There are those who will, but they are a tiny minority among motivated sellers, and even a smaller minority among sellers in general. If you can negotiate an owner finance, good for you! If not, maybe one of these other methods will work better for you.


The "Blanket" Mortgage

The blanket mortgage is one of my least favorite methods, for one simple reason: benefit. The seller gets the tax benefits while the investor pays down the mortgage. In a blanket mortgage deal, you (the investor) makes payments to the property owner which exactly match the owner's mortgage/insurance payments. The owner then pays his mortgage & insurance in kind, getting all the benefits of ownership without paying in a dime. Another pitfall of this method is the possibility of a dishonest seller taking an investor's money for 3-4 months until the bank forecloses, then filing bankruptcy, thereby keeping the house and the investor's money and leaving the bank and the investor in a lurch. You can use this method, but be very careful!

The Partner / Backer

This method can be very lucrative for you and for your partner/backer. Simply, you find someone who wants to invest their cash into your deal, while you invest your time, knowledge, negotiating skills and other efforts. You can split the profit any way you like, and none of the money for a deal comes from you!

The Assumption

Some day people will write songs praising assumable real estate loans. Until then, let me give you a short background on them. An assumable loan is a loan anyone may assume as long as they meet the lender's qualifications for credit score, employment history, etc. Once upon a time the FHA and VA both offered assumable loans with NO qualifying. All you had to do to assume one of these loans was fill out a form and send the agency around $50. There are still some FHA/VA assumable loans out there, but not many. On December 1, 1986, the FHA stopped allowing non-qualifying assumptions and on February 29, 1988, the VA did the same. If you can find an FHA or VA loan issued before these dates, chances are it is still fully assumable without qualifying.

The Lease/Option


My favorite method of property acquisition, the lease/option is both wickedly simple and highly profitable - a combination most investors truly love. In a lease/option, you enter into what is basically a normal lease agreement. The only difference is in the option. An option is just what it sounds like - it's an option to buy a property at an agreed-upon price within a certain span of time. When you put them together, you end up with a rent-to-own scenario. You pay rent each month, the seller credits a certain amount of the rent toward your purchase price. If you decide to buy the property within the option period, you just give the seller a check and get the deed. If you decide not to buy the property, you've still controlled the property for that period of time. Controlling is sometimes better than owning. If you control the property, you don't pay the property taxes. You also don't pay homeowner's insurance. You don't pay renter's insurance, either - your tenant/buyer does. You collect a check once a month, send the seller his share and keep the difference. And each time you put a new tenant/buyer into your property, you collect another option consideration (which is similar to a down payment but usually smaller and 100% non-refundable). The benefits of lease/options are various and sundry, but for this article, suffice it to say it's a great way to acquire/manage real estate.

Real Estate Brokerage: A Management Guide

Keep in mind that this list is by no means all inclusive. There are literally hundreds of ways to buy or control real estate with none of your own money. These methods should get your creative juices flowing and help you to come up with others on your own.

Source: http://www.articlestree.com/
Autor: David Jaymes.

The 7 Top Ways Millionaires Become Wealthy

There are 7 common factors to those who build net fortunes of one million dollars or more. In America, there has never been more personal wealth than there is today; yet most American’s are not wealthy. Amazingly, a mere 3.5% of our households own almost one-half of the wealth in the United States! Although we may be hard working, educated, moderate to high-income earners, why are so few of us affluent?

In studying the affluent, I found a pattern that the wealthy follow. It is more often the result of planning, hard work, perseverance, and self-discipline that determines who become wealthy. The factors compiled here are summarized from the research done by Thomas Stanley Ph.D. on over 1100 actual millionaires (many are multi-millionaires) in the U.S. today.

1) Live Well Below Your Means

Don’t be fooled.The ‘average’ millionaire doesn’t look like a millionaire! The key word here is frugal, frugal, and frugal. The typical person is America is a consumptionist. It’s in our blood. We work hard, make money, and spend it well. Not the typical millionaire! They play great defense (saving and investing) as well as offense (making money). Just like in football – great offense is exciting…but great defense wins games. An interesting note: Millionaires on average claimed their spouses were as frugal or more than they were. It’s a family affair: Sacrifice high consumption today, for financial freedom tomorrow.

2) Spend Your Time, Energy, and Money in Ways that Build Wealth.

Although the road to Millionaire’s Ville takes a frugal path, they pay well for training and advice. Do investment planning. Go to seminars. Hire good attorneys, tax accountants, mentors and coaches. Learn to identify and invest in assets that produce income. The wealthy spend money when the investment will protect and grow their assets. Millionaires also know the details: How much is spent each month and on food, clothing, and shelter. The non-wealthy say they don’t have time to plan, while the wealthy make time to plan. But here’s the shocker: The average millionaire spends 8.5 hours per month planning, while the non-affluent spend 4.5 hours or less planning. How can 4 more hours per week impact your future? Make it happen and the odds are in your favor of joining the truly wealthy!

3) Choose Financial Independence over Displaying High Social Status

The wealthy run highly efficient operations both in business and at home. Most live in average neighborhoods, and drive average cars. They’re not interested in keeping up with the Jones’ – because the Jones’ aren’t financially free. It takes lots of energy to consume big mortgages, change homes every few years, buy the most recent model cars, and wear the latest fashions. The wealthy drive typically American made cars! Japanese cars come in 2nd place; half of these are Toyota Camrys. Yes, significant value per dollar is the key here. The Millionaire’s Motto: You aren’t what you drive. The status cars – Lexus, BMW’s, Mercedes? At 6.4% or less per each brand.

4) Don’t Accept Economic Support from Your Parents once Outside the Home

Sounds painful doesn’t it? It’s a fact that has taught the wealthy how to earn, keep, and invest money. Parents of the wealthy do not, or cannot, provide “economic outpatient care”. The results are clear: The more dollars the adult children receive, the fewer they accumulate. Those who are given less are motivated to accumulate more on their own merits. An amazing fact: 80% of millionaires are first generation millionaires; they have made their money on their own, in their lifetime. Many of these folks have been immigrants to the U.S., starting out with minimal cash on hand. Work hard to learn and generate wealth—it CAN be done, and happens in America every day.

5) Teach your children to be economically self-sufficient to foster a “Wealth Mind-Set”

Provide your children fish and they will eat for a day. Teach them to fish and they will eat for a lifetime. As you might guess, children who grew up to be affluent, who had affluent parents, were taught to be disciplined and intentional with their money. Robert Kyosaki, author of Rich Dad Poor Dad, didn’t cave in when his son asked for a car at 16 years old, even when the neighbor kids were being given cars by their parents. He gave his son $3000, and a subscription to the Wall Street Journal, and a few books on investing in the stock market. Now Rich Dad’s son watches more CNN than MTV. He has the motivation, and is getting an education that will provide him for a lifetime, well beyond his first car purchase.

6) Become Proficient in Targeting Market Opportunities

Find your niche, like the wealthy do. Follow where the money flows, and look for specialized opportunities. Why not target the wealthy themselves? Yes, they are frugal, especially first generation self-made wealthy. BUT…they spend openly on investing in themselves and their families. Investment advice and services, business training, software, tax advice, legal, medical, dental, health, real estate, and education are top priorities. They pay well for products and services that protect and grow their assets. Remember the majority of the wealthy are self-employed entrepreneurs. Followed by medical professionals and business executives.

7) Choose the Right Occupation

You now have a good idea of what the affluent do. 20% are retirees. Of the remaining 80%, most of these are self-made businessmen and women. Keep in mind that entrepreneurs are 4 times more likely to become millionaires than those who work for others. There is no one business, or group of business more likely to breed millionaire-hood. Some are lecturers, others medical professionals, farmers, small manufacturers, and corner mom and pop stores. The most important predictor is the characteristics of the owner, than the type of business. It’s the winning combination of skills and attitude that hit’s the wealth target.

NOTE: The affluent attribute being honest with all people as the most important characteristic in their businesses, tied with being well disciplined. The vast majority of the wealthy were not stellar students, or born into money. They have made it through following a few simple principles and being consistent.

Best of all, you can do these! For more information, participate in Steve's LIVE workshops from your home or office. Curious about how that's possible? See the link below.

Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth

Source: http://www.selfgrowth.com

5 Ways A Home Business Can Save You Money

When most people think of starting their own home business, they think of the income potential, the amount of free time that they will have to spend with family and the flexibility of making their own schedule. What if there were even more benefits to working at home? In fact, what if a home business could actually save you money in a big way? Five big ways, to be exact.

Gasoline. With gas prices fluctuating and, at times, being so expensive that colleagues are often forced to carpool, it’s no surprise that entrepreneurs who work at home will save big bucks in this area. If you aren’t commuting to work everyday and back home again, you could end up saving several hundred dollars each month just by having a home business.

Car mileage & repairs. The more you are on the road, the more miles your odometer records. Automobiles with high mileage often command lower resale and/or trade-in value, but may also wear out faster simply because of excessive use. When you travel a lot, your vehicle is more susceptible to flat tires, worn brakes and other needed repairs resulting from the everyday use of a vehicle. What if the only places that you had to go included common errands and recreational outings? Rather than racking up miles and risking a flat tire going to work, home-based entrepreneurs put the car in park and walk to the office.

Clothing. Have you ever gone on a job interview and found out that the company required a uniform or specific dress code for employees? Quite often, a new wardrobe isn’t on the forefront of someone’s mind when they are searching for a job. Instead, meeting important family and household expenses are among the leading reasons why most people apply for employment. For those who choose a home business, there are no dress codes, no uniforms and no specific shoes that need to be worn. In fact, you can show up to work in your favorite t-shirt and shorts if you so desire.

Lunch. If you are a full-time employee, then you probably get a lunch break. Unless you bring your own, you will be dining out a lot. Whether you choose a fast food or casual restaurant, a daily lunch bill can really add up. Although you still have to eat lunch if you work at home, you will save a considerable amount of money by eating in.

Childcare. In families where both parents work and a child is too young for school, childcare expenses are a natural part of life. As many already know, hiring a babysitter or enrolling your little one in a daycare facility doesn’t come cheap. More importantly, most parents would prefer that one of them be at home to take care of the child themselves. With household expenses and everyday bills, many families struggle with making this dream into a reality. A home business may be the answer. Why? Because it allows for one or both parents to work at home and be there to care for their children while still earning income. Not only will this result in financial savings, but will give everyone peace of mind in knowing that their children are being properly cared for.

As you can see, there are a number of ways that a home business can save you money. When you add each of these five options together, just think of the extra cash that you will have on hand for taking a family vacation which, by the way, a home business allows you the freedom to do.

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Source: http://www.content-articles.com/article.aspx?i=42704

5 Ways To Make Easy Money

In essence, it is really possible to make easy money. There are many ways to do it, but of course, this concept will have several meanings to various people. For instance, the word easy may have various meanings depending on the belief and ideals of every individual.

Making easy money could mean making money right away or generating income eventually but with the smallest amount of endeavor. These things are very distinct from each other.

Nevertheless, if your only concern is to make easy money regardless of how you want to make it, it is best that you try those that have been proven to be very effective and legitimate, of course.

Keep in mind that because many people are trying to generate easy money, fraudulent activities have dominated the world. People tend to become selfish and greedy, that is why even if they have to resort to unscrupulous means, they will do so just to make easy money.

Of course, if you are need of money and you want to generate profits legally, here are five possible ways that can help you solve your problem.

1. Boost your savings!

There is no easier and funnier way to generate money than saving. You can think of many amusing ways how to start saving. You may begin with bill segregation game. For example, you can have different bottles for each type of bill. You can have a green bottle for $20 and so on.

In this way, saving money can be so fun that you will be amazed at how much money you have easily generated. Without so much effort, you may even fund your next vacation.

2. Sell at online auctions

Nowadays, people can easily sell their items through online auctions. Among the many online auctions available, eBay is the most popular. So if you really need to make easy money now, it is best to sell items over eBay or on any other auction websites.

Best of all, with online auctions, you do not just get to earn easy money but you can also make use of the items that had been hanging for quite some time now in your garage or in your attic. With online auctions, you can turn your old things into worthy items once again and build yourself some fortunes.

3. Write for money

Do you have what it takes to create entertaining and informative articles? Do you have a knack for writing features? If you are, why dont you put your talent into something that will make you earn more than what you can do now? Exercise your brain and get those letters form concepts that will truly change the way you used to earn profit.

With the modern technology, people can now earn more money easily. One of that is article writing. Since the start of Internet marketing, creating articles had never been so profitable until now. As they say, "Content is king."

4. Create an online home business

Online home businesses are growing at such an unprecedented speed. With the foreseeable and expected results, many people are enticed to try having their own home businesses.

One of the best things about making money out of online home businesses is that it can help you generate profits without having to leave the comforts of your home. Hence, you can cut back your expenses in transportation fares, gasoline consumption, and clothing allowance.

Just remember to find a legitimate online home business to work on. With so many frauds and scams scattered all over the World Wide Web, you can never be too sure everything on the Internet is legally profitable.

Moreover, it would be better if you will focus your online home business on something that you are really interested in. After all, if you really want to generate more easy money, you should at least be doing something that sustains your interest.

5. Create a website

With your own website, you can instantly ear more money than you can imagine. With the concept of Internet marketing going around these days, you will never know how much money you can earn with your website if you will not try it.

With a website, you can sell other peoples product without having to undergo hard selling. In fact, you do not have to do anything to earn money. You just have to post other peoples banner ads on your site and they will pay you depending on how many clicks or visitors your site can generate.

With all these things in mind, who says making easy money is just a scam? It is really true that you can earn easy money as long as you know your way around and as long as you do it correctly.

Of course, it needs a little extra effort such as building sites or writing articles. But the fact that you are enjoying what you are doing gives you the actual reason why making easy money is, indeed, possible.

Source: http://www.content4reprint.com/business/5-ways-to-make-easy-money.htm

10 Ways to Inspire Others

10 Ways to Inspire Others

Do you inspire your employees? This is an important part of any manager's role. It's not just a nice thing - it's a requirement (although many managers are not held to a high enough standard). Inspiring team members is a requirement because managers are responsible for optimizing performance and retention - and uninspired employees don't do their best work.

So with that, here are a few ideas for how to inspire others. Feel free to add your ideas in the comments.

1. Be a role model of courage. When our managers demonstrate courage, this will inspire us to do the same and we will respect them all the more.
   
2. Take a stand. Share your perspective and be open. The most inspiring leaders have a strong vision for how things ought to be.
   
3. Reject politics! Many of us are sick of politics and would gladly follow and respect leaders who rejected the mucky muck - even if we do not agree with him or her all the time. The wishy washy spin speak is nauseating.
   
4. Listen more, speak less. Show your employees that you value input and collaboration. This applies to your team members and peers - show them you respect and include your peers.
   
5. Beat your goals and don't rest until you do. Managers who are OK with mediocre performance (even if they can make the case that it's not their fault) are uninspiring. People want to work for successful leaders.
   
6. Spend time in their shoes. In fact, swap places with your employees every now and then. Show them you want to understand what their world looks and feel like. Bonus: You will learn tons!
   
7. Reject over the top perks. OK, so you earned the promotion. Don't flaunt your trappings and take a stand to reject perks that separate you from your team. Think about how you felt when you were in their positions. Try to spread the wealth on great experiences like conferences, trainings, product offerings, and other perks.
   
8. Represent your employee's needs to senior management and with your peers. Take the initiative to make things better. Wow, that will speak volumes about your intention to serve them and this is very inspiring.
   
9. Be the best expression of your unique style. We are all different, so don't turn into a corporate clone. That said, be the classiest version of you possible. Like a fine grape varietal, be the fullest expression of you.
   
10. Be inspired by others. Share your role models and why they inspire you.
    
11. 
    
12. 
    

Have you been a bit too comfortable with things? Uninspiring managers often need to kick things up a couple notches. A big change may not be needed, just fill yourself up with high test fuel.

That said, I have met several managers who flatly reject that they need to inspire others. If that's you, I recommend another career path because you obviously don't understand the power and importance of your management position. Sounds harsh, I know, but I believe this with all my heart. If you don't really believe you ought to inspire people to do their best work, you should not be a manager.

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Source: http://www.megite.com/business/1168507171/61#item_12

5 Ways To Raise Credit Score

It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your credit score falls under 620 just getting loans and credit cards with reasonable terms is difficult.

There are more than 30 million people in the United States that have credit scores under 620 and if you’re probably wondering what you can do to raise credit score for you.

Here are five simple tips that you can use to raise credit score.

1. Get a copy of your credit report

Obtaining a copy of your credit report is a good idea because if there is something on your report that is incorrect, you will raise credit score once it is removed. Make sure you contact the bureau immediately to remove any incorrect information.
Read more

Your credit report should come from the three major bureaus: Experian, Trans Union and Equifax. It's important to know that each service will give you a different credit score.

2. Pay Your Bills On Time

Your payment history makes up 35% of your total credit score. Your recent payment history will carry much more weight than what happened five years ago.

Missing just one months payment on anything can knock 50 to 100 points off of your credit score.

Paying your bills on time is a single best way to start rebuilding your credit rating and raise credit score for you.

3. Pay Down Your Debt

Your credit card issuer reports your outstanding balance once a month to the credit bureaus. It doesn't matter whether you pay off that balance a few days later or whether you carry it from month to month.

Most people don’t realize that credit bureaus don’t distinguish between those who carry a balance on their cards and those who don’t. So by charging less you can raise credit score even if you pay off your credit cards every month.

Lenders also like to see a lot of of room between the amount of debt on your credit cards and your total credit limits. So the more debt you pay off, the wider that gap and the better your credit score.

4. Don’t Close Old Accounts

In the past people were told to close old accounts they weren’t using. But with today's current scoring methods that could actually hurt your credit score.

Closing old or paid off credit accounts lowers the total credit available to you and makes any balances you have appear larger in credit score calculations. Closing your oldest accounts can actually shorten the length of your credit history and to a lender it makes you less credit worthy.

If you are trying to minimize identity theft and it's worth the peace of mind for you to close your old or paid off accounts, the good news is it will only lower you score a minimal amount. But just by keeping those old accounts open you can raise credit score for you.

5. Stay Out Of Bankruptcy

Bankruptcy is the single worst thing that will destroy your credit score. Bankruptcy will lower your credit score by 200 points or more and is very difficult to come back from.

Once your credit score falls below 620, any loan you get will be far more expensive. A bankruptcy on your credit record is reported for up to 10 years.

The reality of a bankruptcy is it will limit you to high-interest lenders that will squeeze out high interest rate payments from you for years.

It is better to get credit counseling to help you with your bills and avoid bankruptcy at all costs. By getting credit counseling instead of declaring bankruptcy you can raise credit score over a much shorter period of time.

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Source: http://www.articleprime.com/5-ways-to-raise-credit-score_zzz_5516.html

10 Ways To Save And Make More Money In Business

Success or failures of businesses primarily depend on the marketing strategies deployed. Devising correct marketing strategies are important for expansion of any business. Only those products that are marketed well sell in the market. They sell because their promoter has done his groundwork well. Listed below are the tips that would enable small business owners to plan their marketing strategies well so that they rock the market, eliminating the need to outsource such work, which is costlier.
Read more

1.Remain Focused:

You must identify your revenue source and then know the client who is giving you maximum business. Find out what is unique about that client and why does he or she do business with you.

2.Place Your Business:

Find out what you would like to do i.e. think about what services to offer and what product packages to provide. Then, target a market where your product is most likely to sell.

3.Give The Right Messages:

All the businessmen, small or large, must understand that the customers do not buy what they sell; instead they buy the benefits that your products offer. Therefore, see to it that your products offer the attributes the clients are looking out for and make sure that you communicate all the benefits of the products in the right manner.

4.Use Marketing Materials:

Update your marketing mediums such as website, so that the customers are aware of the new things you add to your kitty. This will help you to upgrade the products regularly.

5.Streamline Workflow:

Streamlining workflow is essential to maximize a company’s efficiencies. This can be by establishing Business Process Management (BPM). BPM analyzes a company’s operations on a daily basis by studying the functions of individual departments as well as their interdependent functions.

6.Controlling Expenses:

Controlling expenses is the key to success in a business irrespective of its size. Operating costs can be reduced in a number of ways such as controlling inventory and leasing equipment with a buying option.

7.Well-defined Goals:

Any business, large or small, needs clearly defined goals and objectives to succeed. A company’s management must devise methods of studying the company’s current operations to identify the areas of improvement.

8.Placing Products:

To hit the market right, you must know the places where you can place the products. Only when you target the right market and capture the genuine demand, you will do good business.

9.Effective Communication:

You can also encourage blogging among the customers to give them a platform for discussing your product.

10.Reward Customers:

It is important that the customers feel that they are receiving the right value for money. Hence, offer free gifts on reward points collected and give discounts occasionally.

5 WAYS to become a leader

Leadership is a quality that cannot be taught. Either you have it or you don’t. Some people like to take charge, be their own person and follow their own path. Some prefer to take direction from others. Leadership is not a quality that can be found outside of yourself, you need to develop it from inside yourself.

Here are five suggestions that will help you cultivate your own leadership skills:

1. Don’t feel like you have to prove anything to anyone, anywhere.

If you’re in class, and someone wants to make a speech that’s rife with inaccuracies, bias takes and general nonsense, let them. You do not have to display your intellectual prowess in order to prove that this person is an idiot. You don’t have to feel obligated to set the record straight. Likewise, you shouldn’t feel pressured into abandoning an unpopular belief, just because the majority of people around you claim that it’s false. Don’t feel pressured into being anything for anybody. This is your life, you can live it they way you want.

2. Talk the talk and walk the walk.

Don’t be a hypocrite. Don’t flip-flop or flake. If you say something, mean it. If you promise to do something, do it. Be true to your word in every situation. Read more

3. Let your actions speak louder than your words.

Deeds have more weight than words. You can pay lip-service to hard work and achieving your goals, but if you never act upon these declarations, you’re just talking. People respond to bold action. Figure out what it is you want to do, and set your plan in motion immediately.

4. Don’t be intimidated by any person, place, thing or idea.

Develop thick skin. Learn to take emotions out of the equation. Don’t let anyone make you feel bad. There’s not enough time for self-doubt, you have too much to do. You will be faced with awkward situations where you will feel challenged in some way. Stick up for yourself and your ideas. Don’t let your environment dictate how you react. No one can say anything that’ll phase you, if you refuse to let yourself be phased.

5. Feel like you are in control of any and every situation.

Leadership is about controlling difficult situations. You have to feel like you are master of your own domain in every possible scenario. Sure you will face overwhelming incidents in life, but when you do, stand up and accept it. Push forward. Get past your problems, free your mind of all restrictive doubt, and execute a solution.

Leadership cannot be taught from without, but it can be developed from within. Be confident in yourself and your abilities. Don’t let anything get under your skin. Follow your word, take action, and no that you are in control of your own life.

10 Ways To Use Speaking to Further Your Career Goals

In this article by JoAnn Hines, you'll discover how public speaking can boost your career!

Professional speaking is one of the easiest ways to enhance your career. Opportunities abound; no matter how experienced or inexperienced. The more you speak the better you will become. You will establish a reputation as someone knowledgeable in your field and people will contact you for speaking opportunities as a result.

Everyone has to start somewhere. Here are 10 ways learning to be a speaker can enhance your career.

1. When you speak you automatically assume the role of an expert. People are coming to hear what you say, right? That routinely positions you in the role of an expert. The more credentials you add to your "expert" status the more valuable you become.

2. Speakers get high profile visibility. Look to get your name included in programs, brochures, email announcements, agendas and other handouts, press announcements and online posting of conference materials. This is especially important when you are starting out and are not being paid. Ask up front what type of PR they will be doing for the event. NOTE: Pay attention to important submission deadlines. Read more

3. As a speaker, you get to meet other colleagues and associates. It's a place where you can chat up your competition without any repercussions. Look to see who's on the agenda and make sure to meet as many other speakers as you can. Ask them to keep you in mind at other events where they might be speaking.

4. Speaking can open doors to people you want to meet. It's easy to pick up the phone and ask someone to come to your event or send them an email invitation. Even if they can't attend it will position you as someone of note. It's also a great way to follow up with a copy of your name in print as an expert on the program.

5. The media looks for speakers at conferences and events as potential interviews. Make a point of introducing yourself to the media. It gives you an excellent way to follow up for future conversations. Add the media to your master press list and send them announcement any time you are speaking. Note: Don't just blast a boring announcement. Spice it up with some clever opening subject line.

6. Speaking enables you to come back with report on other events and activities. Make sure you listen to the other speakers not only as a benchmark to your expertise but to learn something new. If you are an employee, be sure and follow up your presentation with a report to your boss. Send a note to associates on anything you found of interest.

7. Often you can attend other sessions free of charge. Take advantage of this opportunity. Some times conferences are running concurrent tracts. Maximize your time there.

8. As a speaker you get face time with executives that you may not any other way. The higher the level of conference, the higher the level of attendee. You may use this as a vehicle to meet someone you have been trying to track down. Note: After is better than before. Also use the networking sessions which are commonplace to work the attendees and speakers

9. Recruiters are always on the lookout for high profile candidates. If you are in the market for a job, this is an excellent way to have the best jobs (through a recruiter) seek you out. It showcases your expertise in the best possible way. Don't be surprised when colleagues call you because they have seen your name showcased in print.

10. Look for an angle to market yourself for free exposure. If there is no money form the engagement, look for other ways to make up for it: a free booth, a place to sell your stuff, additional days at the hotel at the staff rate, discounts for attendees.

Remember, no matter what the opportunity look for the way to spin the exposure to showcase yourself in the best light possible.

Give yourself a gift that will last a lifetime... a Packaging Coach. One-on-one coaching is not in everyone's budget. That is why I have packaged my proven steps to get you started building your brand. That's my specialty: PACKAGING PEOPLE. I have transformed my own brand from anonymity to world recognized authority. I can teach you how to do the same.

5 Ways to Get More Abundant in 2007

Here are 5 new habits you must "get" in the coming year if you intend to replace your current marketing blueprint with an abundant marketing blueprint.

Get Uncomfortable! - Your wealth, your marketing success, will correspond directly with the size of your marketing mindset. Get in front of an audience and speak, write for an industry publication, start blogging, network with prospects, write personal thank you notes. You can't grow unless you are uncomfortable. Write a book. Start a radio show. Create a podcast. You are so much bigger than you are allowing yourself to be. Reach.

Read more

Get and Give New Skills - Read everything about marketing you put your hands on. (Perhaps starting with Duct Tape Marketing!) Read your direct mail, watch infomercials, read magazines that cover marketing and "this is a big one" look for ways to teach others how to market and promote their businesses. Become known in your industry for your marketing expertise and show others how to do it - how to get the marketing mindset.

Get Bigger Ideas - Tear your products and services apart. Look for ways to approach an industry problem like know one else can or will. Your ideas don't have to really be that big as long as they are world altering. Come up with one idea this year that makes someone say you are nuts - and then go do it.

Get Value - No matter what you offer, it can be better. Heap more and more on your products and services, give stuff that no one expected you to give. Add services over and above what was agreed upon. Makes people talk about how incredible you are.

Get What You're Worth - If you do the above, you can do this. Raise your prices. Choose to work with fewer clients at much higher rates. Sell based on value, not on time. And, refuse to work with clients that don't fully appreciate the value you have to offer. You can make more space in your head to serve your clients when you don't have clients that bring you down.

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Source: http://digg.com/business_finance/5_Ways_to_Get_More_Abundant_in_2007

Top 10 Ways to Save Money on Credit Cards

Top 10 Ways to Save Money on Credit Cards

The following tips are basic principles about obtaining and using credit cards that can save you some serious cash and keep you out of debt.

10. Have at Least One Credit Card for Emergencies – While we highly recommend having a rainy day fund for emergencies rather than relying strictly on credit cards, having a credit card with a low interest rate “just incase” is a good idea.

9. Rewards are not so Rewarding
– Rewards can be a good thing, but only if used correctly. Rewards cards typically have a higher interest rate than regular credit cards, with the value of the rewards justifying the extra expense. The rewards are not usually as valuable as you may think. Typically the value of the reward is around 1 cent per dollar charged and often the rewards expire at the end of the year if you don’t use them. If you pay off your balance in full each month and charge a lot they can be worth while, otherwise you’re better off with a non-rewards card.
Read more

8. Have Two Credit Cards
– If you do plan to take advantage of rewards, we recommend you carry two credit cards. The rewards card for making your daily expenses that you will pay off in full each month and a second card with the lowest possible interest rate to cover any emergency expenses when you won’t be able to pay off the balance in full by the end of the month.

7. Shop Around – Don’t apply for the first “pre-approved” offer you receive in the mail or any for that matter. Do the research for yourself. There are plenty of sites such as CreditorWeb.com that allow you to compare hundreds of credit card offers with a simple search. You’ll get the best deal by shopping around.

6. Read the Terms – The terms and conditions are the equivalent of the disclaimer you hear on car lot commercials. It cuts through the hype and reveals the true terms of the credit card such as what happens when you miss a payment and what you’re really getting from the rewards. Most terms are not that long, usually around one full page, it’s worth your time to read them.

5. Ask for a Better Rate – Once you have been a credit card customer for a few months call them and ask for a better rate. They won’t laugh at you, they get hundreds of these calls every day and if you’ve been a good customer it usually will work. Credit card companies work hard to obtain you as a customer and they will work hard to retain you.

4. Pay Off Full Balance Every Month
– All credit cards have high interest rates compared to other types of loans. You should never plan to carry a balance on a credit card. If you must make a large purchase that you do not have the money for at the time, obtain a loan or a revolving line of credit from your bank. You will save a bundle on interest rates.

3. Work with Retention Department – If you ever feel you are being treated unjustly by your credit card issuer, a simple threat to leave will get you transferred to the retention department. This department will be MUCH more helpful to you and will usually do whatever it takes within reason to get you to stay.

2. Do not get a Cash Advance – This is the second worse thing you can do with a credit card, short of missing a payment is getting a cash advance. The cash advances usually come with a very high interest rate. What makes it worse is the fact that with most companies this higher rate credit will not get paid off first, or even in the order that you took it out. They will apply your payments towards all the lower rate purchases and will only begin paying off your high interest cash advance will all other items on that credit card have been paid off.

1. Never, EVER Miss a Payment
– This is the absolute worse thing you can do with a credit card. Not only will you incur a late fee, but your interest rate will also skyrocket. In addition it will be a negative blemish on your credit report which can cause the rate on any other loans or credit cards you have to increase as well as insurance rates. It also makes you less likely to get approved for future credit.


10. Have at Least One Credit Card for Emergencies – While we highly recommend having a rainy day fund for emergencies rather than relying strictly on credit cards, having a credit card with a low interest rate "just ...

Source:http://www.creditorweb.com/articles/top-10-ways-to-save-money-on-credit-cards.html

Home-Based Business Start-Up: 7 Tips For Lowering Your Fear Factor

Is there something so exclusive about Miami Homes for Sale? Just understand what we would like to say on Miami Homes for Sale.

Let these facts enter in your mind so that you can notice the difference. We desire you to have a look at the material and get an understanding of real estate.

Stop thinking about your start-up fears, and focus on something

more exciting like; free business opportunities, and free advertising.
It ll greatly increase your confidence in being the boss.

All of us who tell the truth will admit to having fears. Many people live their entire lives with one fear or other, but Anne Block, discovered how to side step her fear factor into a home business reality. Read more

Anne always dreamed of owning a home-based travel business, but the fear of losing her savings kept her dream parked in neutral. Anne says,
finally a business associate told me how I could start it with no money, and to start looking forward not backward. Well she started it in 1995, and her business is growing strong to this day.

7 Tips For Lowering Your Fear Factor

Having a Great Idea

By concentrating on why you want to start your own home business, and visiting like-minded websites, reading newsletters or trade publications to gather more knowledge about the subject, will raise your confidence and simultaneously lower your fear level. Repeat after me, more confidence,
less fear.

If you don t have a great idea, visit the site below for a free copy of 100 Hot Home Business Opportunities, a survey of home business owners selecting the best business opportunities to start-up in 2003.
http://www.homebusinessfree.com/home-business.htm

Be Your Own Boss


Numerous surveys have confirmed this is the number 1 reason why business owners decided to go out on their own. As you research competitors on search engines, and read their ezines, you will find your interest rising, and your belief in yourself increasing, to the point of you saying one day, I can really do this. Your level of fear will definitely lower when I show you 5 ways to advertise free. And read my previous article,
12 Free Tools For Starting A Home Business With No Money, request a copy, mailto: bruce@ownsmallbusiness.com
Paul Purdue, who founded iFulfill five years ago, with $100 leverages the Web’s free benefits, and said I use the top 10 search engines, to avoid the need for spending any money. Presently, Paul ships about 800 packages per day, and hopes to reach 1,000 daily by midsummer and 5,000 by the end of next year.
With no money needed to start-up, what are you waiting for? Here are the 5 ways to get free advertising with specific links to follow:

1)search engines
2)articles
3)links
4)banners
5)press releases

Do you agree this report is resourceful enough to fulfill the requirements of all individuals?

It aided some of the individuals who were searching for Miami Homes for Sale. But some were unfortunate.

As an individual who is searching for Miami Homes for Sale, only you can rather decide if this helps. Just comprehend till the hindmost word and get the value of the report.

Search engines are the most important element to bringing not only huge amounts of traffic to your website, and with no money expended. You can submit your website for free placement on the following search engines and directories:

No doubts about the consistency of this stuff, still the people are unsure about its assistance.

It was a bliss for those who were hunting for Miami Homes for Sale. Just few found this rewarding.

You can analyze this report if you are all hot for the data on Miami Homes for Sale. Be ready to finish and sense the stuff of this report.

http://www.google.com
http://www.lycos.com
http://www.altavista.com
http://www.alltheweb.com
http://www.about.com
http://www.dmoz.org
http://www.goguides.com
http://www.allbusiness.com

The Freedom to be Creative

Many people in today s workforce do not feel challenged or excited. The idea of working on your own interests, passions or hobbies, is very appealing. By focusing on what type of business you will start, and how you will start it, should help to lower your fear factor by one level. The 3 levels are: high, moderate and low. Lowering your fear factor just one level, to moderate or low, you should seriously consider starting your home business. Everyone has fears, but at this lower level should give you the confidence to pursue your dream.

The second most productive type of free advertising is writing articles.
It s an excellent way not only to get your website known, but to build up a sense of authority and trust in consumer s minds. A great place to start is:
http://www.goarticles.com

Make More Money

Money is certainly a big motivating factor, and it may even be number 1 in your books. A lot of business owners start their businesses for different reasons in the beginning, and learn to cherish the other reasons later on.

Having links on your website is very important to offer your visitors alternative places to go, giving your site an authority feel to it, by offering choices to your customers. Also, it s your trading post with other website owners, as you both reciprocate the giving of links as a traffic builder.
Lastly, many sites such as Google give much importance to the number and quality of links in determining your ranking. The following site offers a free report containing step-by-step instructions as well as extensive links to articles and resources.
http://www.linkingmatters.com

Convenience

Everyone has different motivational triggers, and for you the idea, of starting work at noon and quitting at 4pm might be the biggest draw.
Or perhaps, you prefer to work only 3-4 days a week. and spend more time with the family. By seeing how life can be different and of better quality, might be your answer to that drop in fear, and rush in confidence.
Continuing with free ways to advertise, so money will be not be a hindrance to starting your own business, banners are another excellent way to get your message across to new potential customers. The banner site helps you to easily design your own banner with prepared templates, so you just add your own text, and does all the administrative work at no cost to you. Visit the largest banner exchange at:
http://bcentral.com/products/bn/default.asp

Job Loss/Job Insecurity

As many as 2 million Americans have lost their jobs since our economy
started to weaken in 2000. And although this fear was not even thought of before 2000, I think it s right up there now in the top reasons for giving up on the corporate world in favor of a home-based business.

Very well. Now that you have read till this point, we guarantee that along with this you will have something exciting. Your additional interest in this piece of literature would be an added advantage for you.

Remember, some of the best companies are founded during weak economic times, that’s when people with a good idea begin, because they know business goes in cycles, and good times are just around the corner. And by polishing your business in the weak times, you ll be ready to profit in the stronger economy.
Because of the uncertain economy possibly effecting their job security, Rayand Cydi White were interested in self-preservation of their financial future, and started a very succesful real estate service company. We couldn t afford to be without income if something terrible happened, and started our business part-time to financially protect ourselves.
By starting part-time with 1-2 hours a week, working on your idea, if the unfortunate should happen, you ll have a back-up at least as a fall-back option to keep you afloat. The last method of free advertising is the press release, and quite possible the most effective way of reaching a mass audience at no cost. Just recently we have seen the phenomenon of a new product called the Segway, the human transporter of the future, as it was billed, receive a massive amount of free publicity, even getting corporate orders from the U.S. Postal Service and Amazon.com
For free press release distribution, visit:
http://www.prweb.com

Getting Started

Now take your business idea on a search. Enter the keywords of your business into Google, and visit the top 30 websites. Look over the websites making notes which designs you like, good content, great products or services to sell, and sign up for all the newsletters they offer.

This is valuable intelligence you are gathering, and after you assimilate
this information you will be ready to open the doors to your own home business.


About the Author

Bruce Scher is a home business advisor, and author of a new eBook,
“Full-Time Money Part-Time Hours”
“An excellent ebook” _Les Brown, Nationally Known Author
http://www.ownsmallbusiness.com
mailto:bruce@ownsmallbusiness.com

Source: http://www.aboutmiamirealestate.com/home-based-business-start-up-7-tips-for-lowering-your-fear-factor/

Copywriting to promote yourself 5 ways

Monica, a very competent businesswoman, was explaining her new website.

“The headline will be my slogan,” she said confidently. “You know: the part that goes, ‘More impact when you speak, every time.’”

Ouch! Definitely not the way to go.

Naturally I’ve disguised the details but Monica’s not unusual. You’ve got at least 5 ways to brag – all different.

(1) Your slogan usually appears near your logo on your website, on your business card and (often) in your elevator speech.

Your slogan should reflect the benefits you offer your clients, not your own uniqueness. I once saw a slogan on a truck, “We know everything about lumber.” My response: “So…why should I care?”

Better: “We use wood to make your home look beautiful.”

Ali Brown’s “Boost business with your own ezine” does the job.
So does Michael Port’s, “The guy to call when you’re tired of thinking small.”

I’ve used “Promotion with professionalism” and, “If your website isn’t making money while you sleep, we need to talk.” My current career slogan: “From career breakdown to career breakthrough.”

(2) Resource box statement. When you send out articles to promote your business, you need a short signature block – 5 to 7 lines – to conclude your article. You’ll need a brief sentence summarizing your uniqueness, such as: “Mary Jones helps high-earning professionals lose their credit card debt and gain financial security in six months or less.”

Some professionals opt for a simpler version: “Bob Smith helped over 200 authors publicize their books to increase sales” or even, “Jane Doe has been helping corporate executives manage their careers since 1992.”

I recommend a sentence rather than a phrase because resource boxes get chopped when your article gets published.

The expert here is of course Alexandria Brown the Ezine Queen.

(3) Irresistible freebie.

To motivate website visitors to sign up for your ezine, ecourse or podcast, you need a gift they can’t wait to download. Go for broke with this one: if it feels over the top to you, it’s probably just right for your readers.

Typical titles refer to a number of critical or essential tips. “Secrets” sounds corny but it still works. I’ve had considerable success with “7 best-kept secrets of client attracting copy.” Others might be “How to avoid the 5 deadly mistakes made by career changers.”

Tip: I encourage my copy clients to begin a website copywriting project with the freebie. It’s a good way to get in touch with your clients’ pain.

(4) Headline.

Your home page needs a killer headline that motivates readers to keep reading. We could spend a whole article on this topic – in fact, whole books have been written about headlines.
Lorrie Morgan-Ferrero wrote: "Copywriting: The Secret Weapon Your Competitors Hope You Never Figure Out How to Use!" Learn more!

(5) Elevator speech.

Designing an elevator speech resembles creating copy for your website: you focus on the target and demonstrate your benefits. A new book on elevator speeches that’s worth a look. The author lives here in Seattle and I’ve heard her speak:
Give Your Elevator Speech A Lift

I don’t recommend trying to economize on promotion by using the same concept for all 5 bragging opportunities, although you’ll find this formula applied successfully to packaged goods marketing. Purina Pet Foods has a wonderful trademarked slogan, “Your Pet, Our PassionTM.” They use it on everything from their website to ads. We’re different.

Autor: Cathy Goodwin
http://www.copy-cat-copywriting.com

5 Ways To Improve Your AdSense Earnings

There are undoubtedly some webmasters who are making a good living out of AdSense. However, there are many webmasters who are not achieving the levels of AdSense income that they had hoped. Is there a way we can learn from the successful webmasters?

Here are 5 proven ways used by webmasters to improve their AdSense earnings.

1. Concentrate on the best performing format of AdSense ad.
   
   There are currently twelve different formats which webmasters can use for their AdSense ads. From research, the one format that works well for the majority of websites is the Large Rectangle (336X280). This same format also appears to result in higher CTR (click-through rates).
2. Blend the AdSense ads into the website.
   
   It is recommended that you blend AdSense ads into your site by appropriate us of colors. For example, if your site has a white background, use white as the color of your ad border and background. The idea is to make the AdSense ads look like they are part of the web page. It has been found that this approach results in more clicks from people visiting your site.
3. Place AdSense near the top of the page.
   
   It is advised that you place AdSense ads where they can be seen quickly by site visitors. Therefore it is suggested that AdSense ads appear at or near the top of the page. AdSense placed at the bottom of the page, almost as an afterthought, appear to attract very little click activity.
4. Place images near to your AdSense ads.
   
   Images placed near to AdSense text ads has been shown to have a dramatic effect on click-through rates. CTR improvements of several hundred percent have been recorded by using this device. It is thought that the image attracts the eye in a similar way to a photo in a newspapers draws the reader to the associated caption. Software is now available to make adding images to AdSense ads easy to implement.
5. Automate the insertion of AdSense code.
   
   One approach of successful webmasters is to create AdSense sites with large numbers of pages. By saving AdSense HTML code in a text file, this can be called into other pages in the site by using SSI. This is a huge time saver if you are using automatic page generators to create AdSense sites.

These are some of the tips that have worked well for webmasters who have grown their AdSense income. A final tip is to ensure your site focuses on a specific topic or niche, as opposed to being too broad in its content. This will ensure that the AdSense ads shown on your pages are of direct interest to your page viewers, which in turn will result in better CTR.

Note that these tips can only be guidelines. As in every area of internet marketing, the number one tip is to test and monitor. Do try these tips on your AdSense sites, but make sure you monitor the results.

There is no doubt that the AdSense model is workable. And you can improve your AdSense earnings if you simply implement some of the tips outlined here.