Here are ten secrets for earning a million dollars in
Network Marketing.  First, write down your IT, your WHY.
What was IT that got you into Network Marketing?  WHY
did you look at Network Marketing in the first place?
Something brought you here … what was IT?

1] Self Belief: What happened from that IT?  Your self
belief went down and met your self doubt.  You have to
raise your income to match your dreams, not lower your
dreams to meet your income.  This is why 95% of people
in Network Marketing are failing or have failed!  You
must believe in yourself!  You have to believe that you
can do it!  Take the ceiling off of your income, the
income potential in Network Marketing is unlimited!

2] Fall in love with your phone: You have to love to
contact people!  Most people don’t love their phone.
It feels like a 10 ton weight when they try to pick it up.
You need to learn to make the phone your best friend.
Buying leads and loading them into an autoresponder and
never speaking with anyone simply doesn’t work by itself.
There has to be personal contact involved!  Make your
phone your best friend!

3] Contact and Invite: Make contact and invite, don’t make
contact and “fire-hose” them with information!  Treat the
business with respect. If you treat the business with
respect it will respect you. If you treat it like a
business it will pay you like a business, if you treat it
like a hobby it will pay you like a hobby.

You have to learn to invite people to your meeting,
presentation or conference call.  Be an information tour
guide!  If you are on the phone more than 90 seconds on
each call you are never going to make it!  Professionals
sort, amateurs convince.  Be professional!

4] Rejection: Get used to it and learn to love it!  It’s
going to happen ALL the time!  Remember that it isn’t
personal, they are rejecting themselves.  The people you are
talking with are thinking “This is too good to be true.”

We are taught for (at least) 12 to 20 years of our lives
that we are suppose to get an education and then go get a
good job and support our family.  We are simply never taught
the right kind of knowledge to be successful in life!  Now
you are presenting them with an opportunity that can create
freedom for them and they are disapproving of it.

You need to them to get to a level of approval inside
themselves, if they don’t reach that level you will be
rejected.  You must convert rejection into approval, then
approval into application, then application into agreement,
then agreement into distributor.  Then you teach that person
to model you and duplicate.  Your business should have a
system in place for all of this.  People are not duplicable,
but systems and processes are!

5] Slave camps do exist: It’s called having a job.  If you
stop and really think about it, by following the standard
belief system accepted by society you are leading the life
of a drone.

You get up, shower, eat, go to work for 8 (or more) hours,
come home when your boss tells you it’s ok to leave, eat,
and relax a little before bed.  Then you get up the next
morning and start all over again.  Kind of monotonous isn’t
it?  I was a slave until 2003 … not any more!  It’s time
to get your life to the next level … seek freedom and be
willing to pay the price!  I guarantee you it’s worth it!

6] Objections are awesome: You should be looking for people
who will give you objections.  Most Network Marketing people
tell you to look for people who WON’T give you an objection,
look for people who will sign up.  This is wrong!  An
objection is simply a question or concern in disguise.
People who give you objections are normally inquisitive,
sharp, positive, aggressive, intelligent people.  These are
the people you want in your business!

You need to recruit up, not down.  This will cause you to
have to go outside of your comfort zone, but you need to do
it if you want to achieve freedom.  Get yourself around
people who are making the big numbers you keep hearing
about.  Don’t hang around the small fish that are only
making a couple hundred bucks a month.  Get yourself around
the ones making 5, 6 and 7 figures each month!  How can
somebody who isn’t actually doing it teach you how to do it
for yourself?  The answer is: They can’t!

7] Work with strength: Don’t waste your time with weak
people.  Work with your strong people.  Too many people try
to recruit easy people so they can say “I got one.”  This is
dead wrong!  If they are excellent, go after them.  Don’t
keep building and building and building with weak people,
you’ll never get anywhere.

Find yourself strong people and work with them to grow their
business and your business will grow and you will have more
security in the long run.  Don’t fall into the rut of just
signing up anyone and everyone.  That’s not what you want,
you want strong people; leaders!

8] Freedom is in depth, not width: Identify your leaders
and work with them.  Too many people go wide when they need
to go deep.  It’s impossible to support that many people.
Picture your business as a building.  How strong is it?
The foundation on a building goes deep, not wide.  The
foundation for your business should replicate that.  Take
a look at your business, how strong is your foundation?
Will it stand on its own if you turned around and walked
away right now? Map out your group, identify leaders,
replicate your business, find your depth and make it
concrete.

9] Mentors: Do you have one?  Do you have a Mastermind Team?
Write down the 5 people you associate with every day.  Ask
yourself “Have these people earned over a million dollars in
Network Marketing?” Do you have even one that has?  At least
one of these people must be a Network Marketing millionaire,
preferably all of them.  These are the people you need to
get around … NOW!  You must be around people who are where
you want to be and stay around them.  The major reason
people don’t get into Network Marketing is because of no
time and no money.  These are exactly the reasons they
SHOULD be in the industry!

10] Decision: These are the most powerful 8 letters in the
alphabet when put together.  You must make a decision right
now to change your life.  You must decide to cutoff and
release the past.  How are you going to respond?  Your past
is robbing you of your dreams and of making 7 figures a year
in Network Marketing.  Your past is holding you back; your
job, your associations, etc.  You have to let them go if
they are not getting you where you want to be!

My mentor, Ned Rae, says “It was your best thinking that got
you to where you are today, obviously that wasn’t good
enough.”  Think about that statement, it’s SO powerful! Your
past has affected your life up to where you are right now.
You must make the decision to cutoff and release the chains
that are holding you back.  You must make the decision right
now to release and cutoff anyone you associate with who is
not making 6 or 7 figures in Network Marketing.  Then you
must take the action!  Right now, make the commitment to
change your life.  Make the decision, take the action, and
don’t wait any longer!  Nobody can make you do this but you.
Today is the day!
Lou and Robin Bonaventura have been Professional Network
Marketers for 4 years. They attribute much of their success
to personal development and continual learning. Visit
http://www.SNGBlog.com and
http://www.SuccessNetworkGroup.com for more insight into
how personal development can benefit your life and career.

Benefit #1 – Shows your financial position clearly
Without a budget you are left in the dark as to how much
you need to save and how much to put aside for
emergencies. It shows whether your spending is within the
limits of your income or whether you are living beyond
your means. You will see how much of your income is being
spent on just paying back previous credit card purchases -
including the interest.

Benefit #2 – Helps you save money and set goals
Once you have correctly prepared your budget, it will show
you how much you need to save from your income to meet your
expenses and set aside some funds for emergencies. It
allows you to set goals, both for the amount and the
timing. For example, you may set a goal of paying $3,000
(the amount) off your credit cards, within 1 year
(the timing). Once you make a commitment to yourself to
make this work, the budget becomes a tool that will help
you stay on track.

Benefit #3 – Helps you commit to your goals
If you want to make the required changes earnestly, the
budget goals will  help keep on track.  Now you can see
what will happen if you go back to your old ways. When
you see something you want you now have a choice. Spend
now for instant gratification – or wait and feel a whole
lot better about  yourself.

Benefit #4 – Keeps you from spending money you don’t have
Each time you spend, it either adds to or detracts from,
your overall financial position. The personal budget can
show you the impact of your proposed expenditure in
advance. You don’t have unlimited income. If you spend more
than you earn you pay the price and the price is interest.
This interest is often the cause of your hardship now.

Benefit #5 – Puts you in control of your finances
If you’ve prepared your budget correctly, you will see how
much you have available to spend, after taking into
account your debt repayments and savings requirements for
your future needs. This information can take away the guilt
you may have felt when purchasing some item(s) you knew
you couldn’t really afford. With a budget you know what
you can afford and what is beyond your means. When you know
you can afford an item you really want, the purchasing
experience will be much more enjoyable and rewarding.

Benefit #6 – Shows the progress to meeting your goals.
Don’t leave you budget in the kitchen drawer once it is
completed. Refer to it weekly, or at least monthly. It is
your guide to debt freedom. Keep checking your progress.
It will give you the motivation to make the right
decisions for you and your family.

You can see that all it takes is a little commitment and
effort to get you on the path to financial freedom. Isn’t
it worth that little effort? Looking back, with the debts
paid off, you’ll agree that it was definitely worth it.

If you wish to go to the 5 Steps to Freedom Personal Budget
click on this link. http://www.freedom-personal-budgets.com.

 

The following steps are really quite easy. All it takes
is your commitment. You can do it. Imagine the feeling of
relief and happiness when the debt has been lifted from your
shoulders. It will all be worthwhile. Ready to get stated?
Let’s go.

Tip #1. Work out your current financial position.
It may have been a while since you took stock of your
financial position. Could this be the reason you’re in a
spot of bother now? You need to consider your financial
position now.  Unless you know your starting numbers you
won’t know what to fix. Correct?
Just get a paper and pen and your latest credit card
statements and review the situation, fearlessly. List out
all your debts and their interest rates and the minimum
monthly repayments.
Don’t get too concerned about how much is owed. It’s been
often reported that anyone can pay off all their debts
within 5-7 years, this includes your mortgage. That means
you too.

Tip #2 Stop living beyond your means – NOW.
You have to stop the rot, and this is the first thing to
do. Review your living expenses and do without those things
you can’t afford. Also, destroy all the credit cards except
one for emergencies and promise yourself you’ll only
spend what you can afford from the cash coming in.

Tip #3. Get those debts under control.
Once you have grasped the meaning of Step #2, the next
thing to do is to find some ways to put more money aside
every week or month, to start paying down those debts. Pay
as much as you can manage.  Do without if you have to. Pay
down the debt with the highest interest rate first. Then, if
there still a choice with credit cards costing the same
interest rate pay off the credit card with the smallest
balance first. This will give you a lift when you’ve
paid it off, and the incentive to keep going.

Tip #4. Build a Savings Fund
Once you have those credit cards under control it’s time to
think about  putting some funds aside to start building
some savings. You’ll be surprised how fast your money grows
if you religiously keep adding to the balance and don’t
touch it. If you really need to purchase an expensive item
like furniture or a car it is better to save for it than to
borrow, if at all possible.

Tip #5. Pay off the mortgage faster.
This item has be left till now, because the value of your
home asset is increasing – unlike your household expensive
purchases such as furniture, car, TV and video. Just by
putting a few more dollars into your mortgage repayment,
you can substantially reduce the period of your mortgage.

These few helpful hints are offered to help you get back on
your feet financially. The first task is to eliminate that
credit card debt. Once you have control of this then you
can use the free funds to build a savings reserve and
reduce the term of your mortgage. That’s the plan that
works.
So, why not get those documents out, do the calculations,
make the effort and start on your road to financial
freedom.

Not saving for emergencies and your future? Like to know
how? Click on this link.
http://www.freedom-personal-budgets.com

1) who will I sell it to?
2) Do these people really want, and need it?
3) How large is the market?
4) How will I reach these people and get them to buy?
5) Is anyone else selling a similar product, service or book?
6) What makes my product and strategies different?
7) Can I supply the product at a price the customer will pay, and still make a profit for myself?
How much time, effort and money will I have to invest in order to reach my profit goals?
9) Do I have the resources, and the stamina to carry this idea thru to success?
Once you’ve answered these advertising questions–completed this bit of basic product analysis and market research–then you can start planning exactly how you intend to sell it, and map out your advertising strategy from there. You’ll find success in selling effort, much easier, and much more profitable, if you honestly and objectively answer these “check list” questions before you begin. It’s absolutely imperative that you analyze the product, and profile your prospective customer–the sale ability of your product, and the demand for such a product by the people you want to buy. One other thing, don’t ever overlook or “poo pah” your real and/or imagined competition.

When people neglect to analyze the product, and answer the basic research questions, they’re almost certainly doomed to failure. These are precisely the reasons for failure amongst people who attempt to start a mail order business. We literally get tons of mail order offers for products that are losers; and even offers from people trying to sell us our own material and/or related items which we can buy at wholesale prices.

When Sears & Roebuck send out a new catalog or sales circular, do you “really” think they send one to Montgomery Ward? Another thing, this “we’re all friends and in the same business, so you buy from me and I’ll buy from you” philosophy may keep you busy and you mailbox full, but it’ll never results in profits on your P&L sheet. Advertise in the media that reaches your buyers, and send your direct mail materials to people likely to but–not sellers. Remember, your first task is to determine who your most likely customers are, and then design your advertising campaign to reach those specific people. Generally, you wouldn’t try to sell pantyhose with an ad in a care magazine, or socket wrenches with an ad in a magazine for bride-to-be.

In other words, design your advertisements to appeal to “your kind of customer,”–send $5 for our report on HOW TO WRITE ORDER PULLING ADS–and then, place these advertisements in the publications these people buy and read. If you’re selling gift items, crafts and other merchandise, advertise in those kinds of publications–general merchandise catalogs catering to that kind of buyer. If you want to recruit sales people, dealers and distributors, place your ads in publications reaching people looking for these kinds of opportunities.

I don’t recommend that you begin, or attempt to launch your business via direct mail, but when the time comes for you to expand into direct mail, be discriminate–select mailing lists for your type of customer. Do-it yourselfers for shop tools, cosmetics buyers for jewelry and self adornment merchandise, how-to-book buyers for your crafts, hobbies and self-improvement books, opportunity seekers for business start-up manuals, and proven advertisers for your publications. So, when you read in a business success article that you should place your ad in publications carrying similar ads–the advice given is “place your ads in publications reaching your kind of buyer.” Just because it’s a publication reaching mail order people and you’re selling imported gift items by mail, doesn’t mean your ad will pull from exposure in that publication. Always add one more answer: Does it reach a large number of the type of buyers I’m selling to?

Definitely, this is where many mail order entrepreneurs go wrong, and very definitely, this is the fallacy of advertising in the M/O ad sheets. Analyzing the type of people a publication reaches; and the loyalty as well as true interest of a publication’s readers; and then determining whether or no they’ll respond to your ad, is easy if you will just ask yourself a few common sense questions. Mail Order Ad Sheet: These reach beginning and small mail order dealers…Their appeal is largely egotistical to see the advertiser’s name/ad in print–read by other mail order dealers to see who is advertising, what’s be advertised, and for the accumulation or compiling mail lists. Very little if any response for the recipients who are looking, not for things to buy, but for shortcuts to more profits.

Mail Order Tab Sheets:
These reach basically the same audience as the M/O Ad Sheets…Generally more appealing because of the “instructional” articles and greater space devoted to mentioning who’s doing what/names in print & free publicity. Rate these according to the “information” being passed along in articles. Usually, these publications pull a greater response than the ad sheets, but still, they’re largest audience is one made up of sellers.

Mail Order Dealer Catalogs:
These reach the mail order dealers, plus a very large segment of specific buyers–generally related to the overall kind of merchandise offered within the catalog. Unless there are “business building” articles, the recipients generally toss them aside after a quick glance…These are very good showcases for your dealer/distributor ads, and if it’s an “established” merchandise catalog of the kind of product you’re selling, these catalogs can be very good advertising outlets for you…

Extra Income Magazines, such as Money Making Magic, Venture and Entrepreneur:
These publications individually reach a very loyal basic subscriber list, most of the people wanting or hoping to get started with, or already involved in a spare time extra income project, and tremendously large number of “first time” readers with each issue. Look for, and rate them according to the balance of actual “business building” articles they carry, in relationship to their advertising–and overall, according to the quality of the publication as well as the audience each trying to reach–do the articles really help you, or are they “publicity write-ups” for the advertisers… You’ll find that these magazines are retained, and referred to by the recipients for years…In almost every case, you can expect a good response from your ads placed in one of these magazines–provided you’ve got a good ad and it’s geared to the readers of that particular magazine.

Remember: The bottom line is knowing your type of buyer–presenting your product or opportunity in a style that appeals especially to that type of buyer–and then placing your ad in the publication reaching your kind of a buyer. Cooking magazines for recipes; mechanical opportunity in the mechanics magazines; self-improvement books and merchandise in general merchandise catalogs; and income opportunities in business-building, self-help magazines such as Money Making Magic!

Besides matching the profile of your customer with the demographics of the publication, it’s also important that you match your selling prices within the average price range of everything else offered in that publication. Running an ad to sell a book at $65 In a publication featuring $20 books, probably won’t pull for you. By the same toke, any ads attempting to promote “re-production type” reports in a magazine selling $50 books, probably won’t bring very many responses for you either.

To achieve success–know your product, profile your prospective buyer, design advertising that appeals to the self interest of that specific kind of buyer; and place your ads in publications reaching those kinds of buyers. If you’re trying to sell by direct mail, send your offers to prospective buyers–not sellers of the same type of materials you’re attempting to sell. Very few people recognize a legitimate opportunity, even when you hit then over the head with it–even so, unless you’ve got something REALLY NEW, and a deal that really is THE OPPORTUNITY OF A LIFETIME, save your money and don’t try to push your program onto other mail order dealers who may already be selling it. Assuming that you “know” your typical customer, and the best media to reach this kind of customer, the next step is putting your ad together. It’s said millions of times before, but it’s important that you UNDERSTAND, and REMEMBER: Your ad MUST appeal to the self-interest of your prospect. It must somehow be different, and better, than all the others, particularly if your product is being advertised in the same publication by other mail order dealers. Nothing beats originality. Write your ads from a different angle. Lead off with the answer to every customer’s most important question: What will I get if I send in my money?

Use words to paint pictures of success, wealth and happiness. Eliminate the customer’s fears of being taken or ripped off. Picture yourself in your prospective customer’s shoes, and give him real reasons to send his money to you. And finally, make it easy for him to order–call toll free; use your bank card; order now and we’ll bill you later; self-addressed envelope. Don’t be too determined to sell your primary product from your ad. Chances are, if it’s as good as you say it is, and you really want to make big profits, you should use a sales letter 4-or more pages in length. Consider a “leader” item, and run an ad such as this: FREE RAGS TO RICHES MAIL ORDER OPPORTUNITY guide! Send your name, address, zip code & two first class stamps. Then in response to all takers of this Free Offer, include the complete sales letter, brochure, order form, and self-addressed return reply envelope with the booklet you send out. Using this 2 step method, some people have attained 60 and 70 percent sales for their primary product. Another angle? FREE BOOK! Mail Order Millions from a Shoestring Beginning! Send your name, address, and zip code, along with $1 for shipping and handling. In response, you send out the book and a sales letter inviting the recipient to avail himself of your mail order business consulting services.

Again, the rules are:
Determine who you want for a customer. Get his undivided attention, and then sell your product or service. Simple, easy, and it works every time. All it takes is a little bit of common sense on your part!

A small, inexpensive classified ad offering a “most wanted” leader item, followed up with a dynamic sales letter…and your success is virtually guaranteed! As a means to an end, particularly if you want to enlist people to sell your product for you- Start an ad sheet–run exchange with every ad sheet publisher in the country–there are literally thousands of them. (Send $1 for our listing of mail order publications…) But, instead of running ads to promote your ad sheet, run your “leader item” offer and follow up with your sales letter on your primary product. From this, you’ll get fantastic FREE exposure; inquires from people you can actually sell to; and the virtual “no-cost” establishment of a nationwide sales force to promote your business. Do chain letters really work? In no way, form or fashion! But, this method of running your “leader item” ad as an exchanged ad, will work–and besides, it’s legal! The end result will be what the chain letter promoters are promising you–People all over the country promoting and selling your business for you.

You can’t do it all by yourself. You must multiply yourself–get other people to help you, and present your product offer to as many potential customers as possible. And so long as you’re working from a limited budget, there’s no way on this green earth you can afford the kind of advertising costs necessary for overnight success! Send $5 for our report, HOW TO BUILD A NATIONWIDE DEALER AND/OR DISTRIBUTOR NETWORK.

Finally, comes the moment of truth. Do you have what it takes–the ability to go on studying, learning, and adapting–the dedication and the stamina to last thru to the kind of success you want? It’s important that you do your homework–product analysis and market research–the rest is merely common sense. You’ve got it, now use it! For sure, it won’t be easy work ahead, and lots of comprehension required–but you CAN do it, and the end result will be well worth the investment. After all, what have you got to lose but a try at total success? From here on out, the ball is in your court and investment of some kind of action on your part is required…

Richard Metcalfe is a successful home business owner who markets himself and his businesses on the internet. For more information on marketing visit his website onlinesourcebank.com

 [tags]Marketing, promotion, advertise, mail order[/tags]

For the purposes of this article, wealth is defined as an income level derived from passive sources that allows you to live without depending on a job. Passive sources are any income source that throws off a positive cash flow, that you can bank or spend. For example, the cash left over from a rental property after all expenses are paid, is passive income. Likewise, interest from a certificate of deposit, or dividends from stock investments, are examples of passive income. With this definition in mind, the key to creating wealth is to figure out how to create and build passive income sources. To measure my progress in this area, I use a simple formula:

Passive income divided by your total living expenses = wealth quotient

Consider this example: If you had $1,200 per month in passive income from a real estate investment and your cash savings account, and $4,500 in monthly expenses to survive (house payment, household expenses, etc), your wealth quotient equals:

1,200/4,500 = .26

The ideal is to achieve a quotient of 1 or greater. The number .26 represents approximately one quarter of your desired quotient of 1 or greater. Change the numbers and watch what happens:

3,000/4,500 = .66

4,500/4,500 = 1

6,000/4,500 = 1.33

The key to long term financial success is to build passive income, and free yourself from the need to work or “earn” a living. In my opinion, when your wealth quotient reaches 1, you have achieved wealth. The rest is simply a matter of how much margin for safety and extra luxuries you wish to obtain.

Keep in mind that passive and portfolio income is typically earned from fully insured and maintained real estate that provides a positive cash flow, bonds and savings, dividends from Blue Chip stocks, and royalties from books, patents, and music you may own the rights to, and resudual income from a home-based business such as the one at http://www.automaticbuilder.com/bt45223.

These rights to intellectual property, combined with the equity in real estate owned and various certificates of deposit, stocks, and bonds compsrises what is known as you capital base. As your capital base grows, you are able to generate greater amounts of passive and portfolio income (PPI). When your PPI exceeds your basic living expenses, you have achieved a level of wealth that enables you to make riskier investments in the pursuit of higher yields and return on investment (ROI).

The key here, which is a lesson I learned from both “The Richest Man in Babylon” and the school of hardknocks, is not to erode your capital base by making risky investments or spending the money that makes up the foundation to your wealth building aspirations. As my rough sketches illustrate, you should use only the proceeds above and beyond your basic living expenses (derived from your capital base) to make wealth building investments and/or purchase the goodies in life. If you violate this rule and consistently dip into your capital, you will need to keep your day job to feed your consumption habits.

I am not in any way advocating a spartan lifestyle—after all, the pursuit of wealth is only worthwhile if you are allowed to enjoy a higher quality of life for yourself and your family. The basic tenet of this report is that you should carefully manage your money to ensure your investment and wealth building goals are heading in the right direction. In the short term this may mean cutting back on the niceties, but the rewards later on will allow you to enjoy the good things in life above and beyond the norm. Robert Allen makes this point perfectly clear in his book, “Nothing Down,” where he compares your pursuit of wealth to a rocket ship leaving earth towards space.

In the early stages, just after liftoff, your progress is slow and awkward, but as you gain experience and continue to build your capital base, your rocketship gains speed until it begins to break free of the earth’s gravitational pull. Allen’s analogy is a great lesson in wealth building and is well worth reading.

Again, this concept is vitally important to your acquisition of wealth. Follow the steps of creating multiple streams of income that ideally throw off positive cashflow to your hip pocket with minimal effort. These streams of income typically should come from interest from savings accounts, dividends from bond and stock investments, royalties from intellectual properties (copyrights, patents, and trademarks), rental income from real estate owned, and residual income from a home-based business. Use this positve cashflow to offset your living expenses, then use the excess (income above and beyond your living expenses) to feed your investment activities.

To learn more about creating wealth, visit my Creating Wealth Today website at http://www.wealthsearch.org.

When your wealth quotient exceeds 1, you have achieved a moderate level of wealth. It’s up to you how big you want to grow this number—after all, it’s your wealth quotient.

Would you like to join my growing organization? I will personally mentor you and help you recruit using the Internet. visit my website listed below to leanr more about my opportunity. For those not interested in MLM, my site features 8 other pages on business and money making articles.

http://www.wealthsearch.org
 
[tags]create wealth, personal finance[/tags]

“…there are people who put their dreams in a little box and say, “Yes, I’ve got dreams, of course, I’ve got dreams.” Then they put the box away and bring it out once in a while to look in it, and yep, they’re still there. These are great dreams, but they never even get out of the box. It takes an uncommon amount of guts to put your dreams on the line, to hold them up and say, “How good or how bad am I?” That’s where courage comes in.” ~ Erma Bombeck

Now here is something to follow that up with:

According to the Social Security Administration in USA, if you take any random group of 100 people, by the time they are in their retirement age:

Only 1 will be wealthy.
4 will be financially secure.
5 will continue working, not because they want to but because they have to.
36 will be dead.
54 will be dead broke – dependent on whatever government pension plan is there, or living on allowance from their children, or even charity.

So that is 5% successful, 95% unsuccessful.

Now what makes this 5% different from the rest of the 95%? Or more importantly what makes that 1% people in the wealthy group different from the other 99%? Well here is what its NOT:

It’s not a great education.
It’s not a great childhood.
It’s not a wonderful beginning.
And it’s not hard work.

Ofcourse great education helps, and great childhood helps and a wonderful beginning helps (however typical hard work doesn’t quite help, not directly at least). But these are NOT what make wealthy people. What separates this 1% from the rest of the 99% is a very interesting concept. And that is called LEVERAGE!

This is one thing that only about 1% people in any society understand that other people don’t! This is what separates the rich, from the poor and the middle class. This is what separates the true entrepreneurs from the struggling business owners (with an entrepreneurial fever). This is what will determine which percentile YOU are going to end up when YOU are in your retirement age…

Do you know what that word really means?

Here is the simplest definition of leverage that I could find for you:

*******************************************
Leverage: To do more and more with less and less.
*******************************************
Please take note of this and print it out for yourself so you can see it every once in a while: If you are selling your TIME to earn MONEY, you can only sell about 14-15 hours a day and earn only so much (and you are literally selling your life). But if you can LEVERAGE time and have “systems” set up that run on its own, there is no limit to how much you can earn. Therefore, the true secret to an abundant life is not to get a great job (so you can sell time and energy) but to learn how to leverage your life.

Once again please read the definition of Leverage: To do more and more with less and less.

Less of what? Less time, less effort, less energy, less worry, less investment.

More of what? More income, more results, more value.

So the secret to abundance is once again, to learn how to produce more and more results / income / money with less and less effort and time.

This next part is taken from a chapter from my book Redefine Your Reality, please read very carefully if you want to understand Leverage.

To read the rest of the article please visit: http://www.secretsofshafin.com/articles.htm

Shafin de Zane, CHT, MNLP is a prodigy in the world of personal development. One of the most qualified in his field, he is recognized as a popular author, motivational speaker, Hypnotherapist, and coach. The author of Redefine Your Reality and a Master Hypnotist, Shafin uses variety of powerful healing techniques including ancient tantric meditation, hypnosis, NLP, EFT, metaphysical counseling etc to transform his clients. He has coached thousands people from all walks of life from high profile CEO’s to little children and regularly treats clients around the world. For more information on Shafin de Zane visit http://www.redefineyourreality.com
 

[tags]success, Leverage[/tags]

A creditor that is seeking relief from the stay in order to go ahead against the debtor the property of the debtor must be able to proof to the bankruptcy judge during a hearing that there is enough cause for granting the relief or lift of the stay. Cause may be proven by showing that the interest of the creditor is not really protected or by showing the judge that the debtor has no real equity in the property and the property itself is not needed in order for reorganization through Chapters 11 and 13.

Most commonly it is the secured creditor who is out to get relief for foreclosure stay or car repossession. The creditor can often get relief from the stay in order to foreclosure on real estate when the debtor has no equity put into it. When the equity is small in a property the debtor make have to make something called protection payments so that the creditors cannot get the property.

When a relief is granted, it does not automatically mean that the creditor gets the property it just means that it is fair game and a creditor can call and do what they can within reason to get their property back. Creditors are the only ones who want the relief of a stay and you need a good lawyer to fight a stay. Once a judge grants a stay you have to have a real good case as to why the judge should take it off.

As we mentioned a stay is only temporary when a bankruptcy case is being filed, once a claim has been discharged or dismissed then the stay is then lifted. But if a bankruptcy is discharged under Chapter 7 then assets will be liquidated and give to creditors so collections should not be an issues for Chapters 7. Chapter 11 and 13 have 5 years to repay and since an agreement in court will be made then unless you don’t make those payments on time then a creditor can call you and there is nothing you can do.

The same is said if a bankruptcy is dismissed then a judge did not find a bankruptcy was proven. In a case like this unless there is some type of fraud happening mostly all bankruptcies are discharges but in the case of a dismissal then a debtors credit is fair game again and there is nothing you can do about it, except maybe try credit counseling.

Oral Nicholson wants to show you how to avoid bankruptcy and will show you proven techniques and statergies to get you out of debt without bankruptcy. For bankruptcy information visit http://www.filing-bankruptcy.info

[tags]avoid bankruptcy,bankruptcy stay[/tags]

 

Unless you are a lawyer and know first hand about bankruptcy, you will need a professional to help you through this difficult time. A bankruptcy lawyer can answer any questions you may have. They will also provide you with the forms you will need to fill out and advice on how to proceed before you file for bankruptcy. There are non- exempt assets in a bankruptcy that you may loose. A lawyer can try to help you keep the most precious items within the boundaries of the law.

When you try to choose a bankruptcy lawyer, as with anything you will want to research your options. Just picking up a phone book and dialing a number may not be your best option. You may ask your personal lawyer to suggest someone qualified in bankruptcy law. You may look on the Internet for a few phone numbers and then interview the lawyers. The American Bar Association can also help you find a lawyer. It is important to screen your choices in lawyers ask about the cases he or she has dealt with in the past without asking them to reveal any information about the people involved. Ask the person about your situation and what they may recommend.

You can always check with a few people before making the ultimate decision. Referrals are often the best way to find a great lawyer. You have a lot at stake with a bankruptcy because you do not want the case dismissed based on the wrong information. A lawyer can help you get the documentation you will need to appear in court. He or she will appraise you of the questions a judge may ask you and explain other statements that he or she may make regarding your case.

Bankruptcy takes time. You may find a year later after starting proceedings you are just going to court and in another six months or less you will have the courts ruling. During this time, you can ask your lawyer about any information that may come up. If you are trying to work with a few creditors, a lawyer can help you if the collection agencies are harassing you by fielding calls.

A bankruptcy lawyer is there to help you through a difficult time. They are available to help relieve the stress of an unknown prospect and gain you the bankruptcy you need to start your life fresh. When you choose a lawyer, it is important to take the time to research them, their case record, and find out if they have any referrals. You want the best when dealing with financial trouble.

You can also find more information at Student Loan Banruptcy and Filing Personal Bankruptcy.

http://www.Filingpersonalbankruptcyhelp.com is a comprehensive resource to get help in Bankruptcy.

[tags]Bankruptcy, Bankruptcy Lawyer[/tags]

Welcome to the May 22, 2007 edition of money makes life fun!.

Today we will start off with an article on home based buisness by Stuart Pearce:

Home Based Internet Business Tips
For many people who dream of starting their own home based
internet business and working for themselves instead of a
boss or group of bosses, the internet has opened up many
possibilities. From selling goods and services, to becoming
involved in affiliate marketing, if people can dream about
it, they can find a way to make it happen online.

If you are planning on starting a home based internet
business of your own, you will enjoy the following job
perks:

Set your own hours. Make all marketing, sales, and shipping
decisions. Produce quality work you can be proud of. Choose
to employee only yourself or a small staff. Low start-up
costs.

There are plenty of other reasons why people start their
own internet businesses, but these are some of the most
common.

Creating your business

Before taking the plunge and going into business for
yourself, you should review your finances to make sure you
have enough to live on while establishing your business.
While the rewards are many, you will put in long hours,
have to work up an income level you are comfortable with,
and have to deal with high income months and low income
months.

Choosing which internet business you would like to go into
is the next step. Ask yourself the following questions to
get a better idea of the type of business you’re interested
in pursuing:

Do I enjoy sales and marketing? What skills do I bring to a
particular business? How much time can I devote to my new
business? How are my customer service skills? Do I know
enough about the financial side of business? Do I have a
support network?

Answering these questions may be tough, but necessary in
figuring out if you are ready to run a business on your own
and the type of business you want to run. Remember, this is
your new career, so it should be fun, interesting, and
challenging.

Possible internet home businesses include:

Selling goods and services (items and services you create
yourself). Selling goods on auction sites. Web hosting. Web
design. Affiliate marketing. Internet writing and editing.
Consulting Freelancing.

These are just some of the many careers people are able to
pursue on the internet.

Building your business

Once you have decided which business you would like to go
into, the next step is to begin marketing it on the
internet and in other forums such as print media. Just
because your business is online does not mean you shouldn’t
take advantage of different types of advertising.

Creating a web site is a good place to begin. You can
choose to build the web site yourself or hire a web
designer. Naming your business and buying domain space
online is important so no one else can market their
business under the name you have chosen.

Adding interesting articles and pictures on your web site
will help attract customers.

Marketing online

The last step to building a successful internet business is
marketing. This is an on-going job task that will help draw
more visitors to your site, which should increase your
sales. There are many ways to market your business
including:

SEO keywords. Publishing articles. Posting links.
Pay-per-click advertising. Blog Email customer lists.
Newsletters. Print advertising.

While you don’t have to take advantage of all of these
methods, you should try to utilize them as much as possible.

Running a home based internet business have given people
more time to spend with their families, a challenging,
rewarding career, and the opportunity to be in control of
their income.

About the Author:

Stuart Pearce is founder and owner of Style Product
Developer Ltd. The company specialise in offering tools and
resources to make the creation of a web based business easy
and accessible to all. Begin your online career now, visit
http://www.styleopportunities.com for details.
Here is another batch off awesome articles you can check out to help you build up your revenue streams online.

Larry Russell presents Can you really get free and objective investment advice, when you pay investment sales loads? (Part 1 of 2) posted at THE SKILLED INVESTOR Blog, saying, “This two-part article begins a series of articles by The Skilled Investor on investment sales loads and other investment marketing costs. Excessive investment costs are a plague on your personal financial planning. Excessive investment expenses are one of the most significant barriers to lifelong family financial security. While financial services industry sales people tell you that you need to pay more to get more, the correct answer is the opposite. If you pay less, you are likely to get more.”

Tracy Coenen presents Home buyers suing to get out of contracts posted at FRAUDfiles.

John Hill presents Law of Tenfold Return posted at Universe Of Success.

Michael Fowke presents 10 tips for getting rich posted at Money is the way, saying, “A humorous look at the serious business of making money.”

Ellesse presents How To Acquire A Wealthy Mindset in 5 Powerful Steps posted at Goal Setting College.

Robinson Go presents Rob’s Blog: Advice for Bloggers posted at Robinson Go dot Com, saying, “Absolutely hilarious!”

Robinson Go presents 8 Shrewd Ways to Optimize Google AdSense posted at Robinson Go dot Com, saying, “very effective adsense tips you can share to your readers for this carnival. thank you.”

Wanda Grindstaff presents It’s All About Having FUN – Living with Intent posted at Creating Abundant Lifestyles, saying, “Having fun really does increase your income.”

WBL presents Is Gold a Good Investment posted at Wealth Building Lessons, saying, “WBL discusses whether its a good time to invest in Gold.”

almomento presents 10 Steps to Better Efficiency in Your Day to Day Life posted at BurstCreativity.

Cade Krueger presents Visions of Excitement posted at Write To Right.

ISPF presents Weekends: Pursue Money Making Projects or Spend on Something More Satisfying? posted at Grad Money Matters.

Silicon Valley Blogger presents 5 Tips On Evaluating Your Investment Portfolio Performance posted at The Digerati Life.

Dylan Kingsberry presents How to Increase Link Popularity Part 1 posted at DylanKingsberry.com, saying, “Part 1 of a 3 part series on how to increase link popularity for your blog!”

Tracy Coenen presents Have you heard of “synthetic identity fraud”? posted at FRAUDfiles.

Debra Moorhead presents Want to Manifest More Money? Forget About It! posted at Debra Moorhead.com.

That concludes this edition. Submit your blog article to the next edition of money, wealth and online income using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Technorati tags: money makes life fun!, Online income blog carnival.

[tags]online business, internet income, residual income, money[/tags]

1. Article Marketing: SubmitYourArticle.com automates the
article submission process by allowing you to submit up to
eight articles each month and then distributes the articles
to hundreds of web sites, article directories and ezine
publishers. Without a doubt, this has been my most
effective online marketing tool that has produced
tremendous results for my business.

2. Audio Recording/Podcasting: AudioAcrobat.com makes audio
streaming fast and simple, whether you want to add an audio
greeting, audio testimonials, podcast or videos to your
website or send out an audio postcard or record a teleclass.

3. Backup: Carbonite.com offers an unlimited amount of
data storage for $50 per year. Carbonite is very intuitive
and went directly to my email files and Roboform files to
back them up without me having to manual select the backup
files. I frequently use this service to find the original
version of a file that I’ve accidentally overwritten, as
well.

4. Blogging: Typepad.com is both simple to use and
powerful. You can set up as many blogs as you desire with
a Pro account, and you can customize your blog in an
infinite number of ways. Once it’s set up, the online
interface makes it a snap to make new posts to your blog.

5. Bookmark Manager: SPURL.net makes managing a moderate
to massive amount of bookmarks very easy. You create any
number of categories in which to file your favorites, and
adding a favorite website is as easy as clicking a button.

6. Color Matching: Pixie is a tool that I use daily to
help me match a color exactly for a document that I’m
creating or a color I’m trying to replicate on a website.
Run it, simply point to a color and it will tell you the
hex, RGB, HTML, CMYK and HSV values of that color.

7. Content Management: Edit.com is a website maintenance
service that makes your current website editable so you can
change the content yourself. They handle everything to get
your site set up and provide you with a phone training to
walk you through your first edits. There is no software to
install because it just uses your web browser. At no
charge, you can have them review your website to ensure
that your site is compatible with their service.

8. Email List Management/Autoresponders: aWeber.com is a
great service for creating, mailing and reporting back on
the success of your newsletter as well as to subscribe your
readers to a sequential autoresponder, either associated
with your newsletter or with another product. I love to be
able to see how many readers opened my newsletter, who
opened the newsletter, and what links they clicked on from
the newsletters.

9. Fax: MaxEmail.com lets you send a receive faxes through
the Internet/email and makes your need for a fax machine
obsolete. The faxes arrive in PDF format, so you can
easily share you faxes with others as needed. They also
offer voice mail on your fax line, and the voicemail
message arrives as an audio file in your email inbox.

10. Graphics Program: SnagIt.com lets you show someone
exactly what you see on your screen. Select and capture
your screen image. and send it to SnagIt’s editor to add
professional effects, edit the image (resize, adjust
color), and or drop it into your favorite application.

11. Hosting: Aaces.com offers the ability to buy a hosting
plan in which you can host and manage a large number of
websites through one account rather than buying multiple
hosting plans for each website for your business. And,
their customer service can’t be beat.

12. Idea Management: With EverNote.com you can easily
store and quickly access typed and handwritten memos,
webpage excerpts, emails, phone messages, addresses,
passwords, brainstorms, sketches, documents and more! A
free version or a 30-day trial of the paid version is
available for download.

13. Merchant Account: PracticePaySolutions.com offers an
all-in-one ecommerce solution that helps you take payment
online. The coolest feature that they offer in this
service is the ability to do batch uploads of charges, so
if you have a number of clients on retainer that you
invoice every month, you can simply create a spreadsheet
and batch upload the data rather than entering each
client’s information individually.

14. Publicity Tracker: Google Alerts let you type in an
unlimited number of search terms, like your name, your
company name, your industry, the name of your competitors,
etc. Google will then deliver an email alert for any
mention of your search term online. This is a wonderful
way to track your own PR as well as industry trends.

15. Password Management: Roboform.com is the top-rated
password manager and web form filler that completely
automates password entering and form filling. You’ll never
have to remember a password again! I maintain both my
passwords and user info and that of my clients in this
program.

16. Shopping Cart: KickstartCart.com is easy to use and
setup, and offers the ability to create affiliate programs,
follow up with prospective and current customers with
autoresponders, create coupons for limited-time offers, as
well as enable buyers to immediately download electronic
purchases (ebooks, audio files). There is a free 30-day
trial, but don’t sign up until you have the time to test
drive it–30 days goes by fast! Get your free ebook here,
How to Pick a Shopping Cart System That Makes You Money.

17. Spyware: CounterSpy.com will protect your computer
from spyware, adware, Trojans and other malware threats.

18. Teleconference Line: LiveOfficeFreeConferencing.com
lets you meet with colleagues, associates or even family
members through a teleconference bridge line that can bring
up to 250 people together at one place over a
teleconference phone line. You can use the line to conduct
classes and training and record your calls, as well as
manage your participants from an online interface.

19. Time Tracker: TraxTime.com has helped me keep track of
my consulting projects for years. You simply create
projects and clock into and out of them, with the ability
to write memos about how you’ve used your time.

20. To Do List Management: Accomplice.com works online and
offline, integrates with Outlook and other software you
already use, and syncs with your PDA. What I love most
about this software is that I can create in-depth,
hierarchical to-do lists (tasks and sub-tasks of a bigger
project) very easily, and add additional tasks on the fly
as they occur to me. I can see at any point what are my
more important tasks and what is coming due soon.

Try out these tools with the trials offers provided and see
how your business becomes easier to manage!

About the Author:

Online Business Resource Queen (TM) and Online Business
Coach Donna Gunter helps self-employed service
professionals learn how to automate their businesses,
leverage their expertise on the Internet, and get more
clients online. To claim your FREE gift, TurboCharge Your
Online Marketing Toolkit, visit her site at
http://www.GetMoreClientsOnline.com . Ask Donna an
Internet Marketing question at
http://www.AskDonnaGunter.com .

[tags]online business, automate online business, online buisness tools[/tags]