Free Financial Help with our Proven System

2012-12-09T17:10:00.001-08:00

The Best Things in Life come from the Heart

I received this from a friend of mine and I would feel guilty not

sharing it with you

This is the book that changed many lives forever. I want to give you
this book because I believe education, training and getting in the
right mindset is crucially important when starting your own
business.

More than likely, you’ve heard of this book and you may have even
read it.

It is responsible for creating hundreds of mulch-millionaires and

literally has the potential to teach you the secret to success

if you allow it.

“Whatever your mind can conceive and believe it can achieve.”
- Napoleon Hill

I am in no way affiliated with this, and there’s nothing for sale
here. I just hope you read it and one day give me a holler to let me
know that because of this e-mail you made your first million.
I hope to hear from you soon

Click Here to Download:
Think and Grow Rich by Napoleon Hill

Ez Money Method makes it easier now to make Money with Empower Network. Take action, go to the links and see how & then come join me )

Our Internet Funnel System is taking the online community by storm as one of the hottest affiliates to launch a proven system. Ez Money Method has incorporated Empower Network, Gvo and MyPCBackUp creating program that can help you launch you like a rocket to a six figure income by following the simply 8 core commitments in the shortest possible time. FREE Training and Membership

God Has Humor

2012-12-03T13:04:00.001-08:00

On the first day, God created the dog and said, sit all day by the door of your house and bark at anyone who comes in or walks past. For this I will give you a life span of twenty years. The dog said, “That’s a long time to be barking. How

about only ten years and I’ll give you back the other ten?” And God said that it was good.
On the second day, God created the monkey and said, “Entertain people, do tricks, and make them laugh. For this, I’ll give you a twenty-year life span.”
The monkey said, “Monkey tricks for twenty years? That’s a pretty long time to perform. How about I give you back ten like the dog did?”
And God again said that it was good.
On the third day, God created the cow and said, “You must go into the field with the farmer all day long and suffer under the sun, have calves and give milk to support the farmer’s family. For this, I will give you a life span of sixty years.”
The cow said, “That’s kind of a tough life you want me to live for sixty years. How about twenty and I’ll give back the other forty?”
And God agreed it was good.
On the fourth day, God created humans and said, “Eat, sleep, play, marry and enjoy your life. For this, I’ll give you twenty years.”
But the human said, “Only twenty years? Could you possibly give me my twenty, the forty the cow gave back, the ten the monkey gave back, and the ten the dog gave back; that makes eighty, okay?”
“Okay,” said God, “You asked for it.”
So that is why for our first twenty years, we eat, sleep, play and enjoy ourselves. For the next forty years, we slave in the sun to support our family. For the next ten years, we do monkey tricks to entertain the grandchildren. And for the last ten years, we sit on the front porch and bark at everyone.
Life has now been explained to you.
There is no need to thank me for this valuable information. I’m doing it as a public service. If you are looking for me I will be on the front porch.

Create a Debt Free Life - 10 Gold Nugget Solutions to Financial Freedom

2012-11-18T19:51:00.000-08:00

Are you ignoring phone calls from creditors and dreading the thought of being late on another mortgage payment possibly leading to foreclosure? Does it surprise you to know that financial stress contributes to 90 % of divorced couples? Are you providing your children the life you want for them? If debt is controlling your quality of life then it is my intention to inspire you in 10 ways to gain back control for you and your family.

10 Gold Nugget Take Aways

Take Ownership for Your Part- In order for you and your partner to move forward on your journey to be free from debt, playing the blame game for your situation must end. Acknowledge the mistakes that you made contributing to the situation, recognize what didn't work and develop a plan together. It is what it is, know that you can change it and regain your freedom.
Get Control of Your Credit Cards - Taking time to understand your credit card terms and regulations is truly pain staking and can change at the discretion of the lender but if you don't know what you are being charged for interest, late fees, penalties and annual memberships you are subjecting yourself to a vicious cycle of slow financial torture. Paying off your lower balanced credit cards can provide you with confidence and momentum and when left open can improve your utilization ratio which improves your credit score.
Re-negotiate Interest- Once you know your APR for your credit cards, Google your credit card company to see what rate new customers are paying. It may be upsetting to learn that you are paying a much higher rate than new customers but this will give you leverage after you compose yourself and make a call to negotiate a lower rate.
Check for Deals- Do you have homeowner's insurance and auto insurance with the same company? Do you have a bundle package price with your internet cable and phone providers? If these are services that you can't live without, then perhaps there is a less expensive package you can obtain if you bundle services with one company, especially if it has been awhile since you checked. Available options may have changed. This money you could be saving could be use instead towards an emergency fund and or tax free retirement plan.
Consolidate- When reviewing your debt; consolidate your finances when you can. Contact a debt management agent in your state to help you. Take the initiative to make your circumstances better if you have unsecured debt of 10k or more. In some states old debt, usually 4 years or older, may be removed. http://www.freedebtreductionhelp.com/county-debt-help/
Mortgage Freedom- Refinance to get a lower interest rate. Research your best option to make at least one extra mortgage payment a year. Depending on your financial situation sending an extra payment of 10% of your mortgage separately each month towards principal is one way. Make sure that you have a written agreement with your bank. Another option is to call your mortgage lender and get on a bi-weekly automated payment plan. Banks don't encourage these plans because they are losing money.
Figure Out Your Latte Factor- An immediate call to action is to figure out how much money is being spent each day on little expenditures that surprisingly add up to a significant amount of money over the weeks, months and year. You can then eliminate these unnecessary expenses and allocate the money instead to savings.
Increase Your Financial IQ- Americans have learned some unhealthy habits when it comes to money, just how big business and government have taught us. Cut the puppet strings and become aware of opportunities to create and grow wealth having the financial freedom you desire and deserve. Research home based business opportunities that can increase your cash flow. Learn ways to create passive income. You must be willing to step out of your comfort zone learning new skills, but really how comfortable is it to be stressed and worried everyday about bills and finances, fighting and arguing with your significant other and living in fear for your future?
Get Automated- When being overwhelmed with finances and trying to determine which bill has priority it can seem almost impossible to get on a payment schedule. Debt Wise is a system powered by Equifax that prioritizes your debt payments for you. You'll have access to your personal debt dashboard assisting you to stay "on plan," as well as credit report monitoring. http://www.debtwise.com/home/en_dw
Invest in "You Inc."- You are your greatest asset and life your greatest gift. Believe in who you are and the dreams you have. Often times we allow our financial circumstances to rob us of those two things holding us back from living a life of fulfillment. Make a list of what you want more of in your life and be grateful for what you already have. You know what doesn't work in your life and only you can change your old patterns and behaviors. Do whatever you must to create the best version of yourself and love your life!

Lynn Clarke, in her former life, taught our youth how to become life long learners while teaching in the public school system. Today she inspires entrepreneurial parents to becoming life long earners, living their best years ahead leaving a legacy behind. Lynn inspires others to recognize the opportunities that are available to the internet marketer and home based business owners through the revolutionary education platform she offers to a global community.

You can learn more about Lynn at http://LynnClarke.com

7 Tips To Achieve Financial Freedom

2012-11-16T05:38:00.000-08:00

The concept of time and money had changed throughout history. The term Financial Freedom has gained much popularity in the ever changing financial scenario today. More and more people are on the lookout for home based business ideas and opportunities. If you'll browse the internet, there are tons of programs online which offer top home business ideas and home business reviews.

TIME IS MONEY

All of us have one thing in common - TIME. A well-known celebrity, a famous author or an ordinary person all have 24 hours to spend in a day.

More often than not, we exchange our time for money. Day in and day out, we spend 12 hours or more at work in order for us to earn wages. We work extra hard but still not able to achieve the financial freedom we strive for.

Financial freedom enables a person to have time freedom - enjoying life without hampering his steady income in any manner. This is based on managing assets and investments that are compounded over time to generate steady flow of cash.

Start your journey to Financial Freedom

Financial freedom can be achieved. We just need to continuously learn new ways which will guide us towards our journey. We must make a plan and work hard to accomplish that plan. Here are 7 tips which can help you on your journey to financial freedom:

1.) You are who you think you are...

How you see yourself determines how successful you will become. The journey to financial freedom starts when we embrace "Change". We must re-calibrate the way we think. We were told that in order for us to earn money, we must work hard.

Once upon a time, there was a donkey which fell in a deep pit. He tried so hard to climb out of the hole but to no avail. Then finally, he stopped realizing that his efforts are not doing him any good. The donkey kept telling himself "there is a better way... there is a better way".

The owner, thinking that there is no hope for the donkey, decided to bury him to die in the deep pit. He started throwing dirt into the pit. The donkey felt the dirt thrown on his back. Immediately, he closed his eyes, shook the dirt off, and stepped back. He went on with this until the hole was filled with dirt, and he was able to step out towards his freedom.

Just like the donkey, we must start looking at ALL things positively. The dirt symbolizes the negative things happening in our lives. We call them trials. Our success is determined by how we look at those trials and how well we react to them. We must always have a positive mindset, whether in our families or towards earning money. A healthy perception of money is necessary in order to maintain an over-all balance.

Focus on making money work for you instead of you working for money. Remember that you earn money in order to achieve your ends.

In the end, achieving financial freedom means developing a process of self liberation.

2.) Your Health is Your Greatest Wealth...

We've all heard the phrase - Health is Wealth. Your health is your greatest wealth. Do you think you will have REAL FREEDOM if you're financially free but you're too sick to enjoy it? We want to be financially free so that we can have more time to do the most important things in life - Family, Community, etc.

You should look at your health as your greatest asset. Follow these 3 tips for a healthier you...

• Do have periodic check-ups with your physician. Do not self-medicate. It is best to get opinion from experts when it comes to your health.

• Do regular exercises. Work to achieve your desired heart rate per day. You'll discover that physical activities condition your body and you'll can delivery both physically and mentally to complete the task at hand.

• Watch your diet. You are what you eat. A good diet can boost both your mental and physical being to be able to achieve what you want in life.

3.) Know What You Want...

Will you leave home without knowing where you are going? Similarly, you will not be able to start your journey towards financial freedom if you don't know what you really want.

This is the most important activity that you need to do if you want to reach your goals. Your vision is the most important factor of your success. You should define what you want to achieve at the beginning of your journey to financial freedom. What do you want to achieve? Why do you want to achieve these? You have to answer these questions as you are developing your vision.

When you have done the above mentioned, follow these simple steps:

• Write down your vision or dreams. Put in the details that you want.

• Read and imagine this vision every day. It is vital to "feel" these visions coming true in your mind. This way, you'll start believing and you'll start achieving. What your mind can conceive, and your heart believes, your body can achieve.

• This will strengthen your will to achieve. There may be obstacles along the way but you'll be very focused that you'll find a way around those obstacles.

4.) Earn As Much As You Can...

The best way to fail in your journey is to have only one income stream. It is like being dependent on one water source for all you needs. What happens if the river runs dry? The whole community will thirst.

All of us should strive to have multiple streams of income. The number of income streams that we have will determine how fast we can achieve our financial goals.

Do a research on how to build multiple income streams. It is best to look for ways to build multiple streams of passive income. The internet offers a variety of top home business ideas and opportunities. Although we've heard that the net is full of scammers, there are still legitimate home business opportunities available. You must do extensive research for top home business ideas. You can Google the terms "work from home on the internet" or "How to start an internet business."

5.) Save As Much As You Can...

Always strive to save a part of your earnings before you make any spending. This way, you are paying yourself first by paying your savings account first. There are various vehicles where we can put the money, savings account, time deposits, mutual funds, investing directly on the stock market or investing in your own business.

The most ideal is to save 20% of your earning and put it in various investment vehicles. This way, you are assured that your money will grow and earn for you passive income. Always research where to your money will earn faster. Be wary though, there are still scammers out there waiting to take hold of your hard-earned cash.

As the saying goes - "Save in the spring so you won't beg in the fall".

6.) Simplify Your Life As Much As You Can...

When you have money, you can afford to buy so many things. In fact, you'll be tempted to buy things that are not that important in your life.

BEWARE!!!

There are more important things in life than material things. Simplifying your life means you'll get detached from material possessions. This will enable us to focus more on our relationships rather than special gadgets and expensive toy.

Differentiate between your wants and your needs. If you don't need it, don't buy it.

Simple living creates a space in our hearts which enables us to enjoy even the very little things in life. Material possessions will only complicate things.

We will learn to love and serve the "Real People" around us instead of the "Reel people" we see in our flat screen TV. We will enjoy nature's music more than the song we'll hear in our audio surround system.

Real financial freedom lies in the relationship we have with other people. It is having the time to serve and love more people more and more each day.

7.) Love More...

True wealth is found in relationships. We know that all of us have limited amount of time here in this world. One day, that time will end. And on our deathbed, what will matter most is our relationship with the people around us. We don't look for our Ferrari, or our Home theater system or the cash we have in the bank. Instead, we want our love ones - family, relatives, and friends - to spend their time with us.

How often do we hear the words "If only I had spent more time with him," or "If only I hug him one more time", during wakes and funerals? At the end of our journey here, still what matters most is the time we've spent with our loved ones.

Friend, don't wait till it's over. Do it now. Love more each day.

The journey to financial freedom requires commitment and determination. Rest assured, there will be difficulties along the way. The challenges are there to mold our characters, not to keep us down. Always focus on our goal no matter what lies ahead.

Go on my friend. Start your journey to financial freedom. Keep focused. And when you reach your goal, you will look back and tell yourself - well done.

To God Be The Glory...

Neo Rayos

Neo Rayos is a Home Based Business Expert whose 21 years of Sales & Marketing experience has allowed him to work wherever he wants, whenever he want. He has recently transitioned to the GPT / Direct Business Model

To explore partnering with Neo Rayos in a business that is changing lives in one of the most difficult economic times in history, visit his website at http://neorayos.com

The Purpose of the Federal Reserve System

2012-11-14T04:21:00.000-08:00

In 1913 President Woodrow Wilson signed the Federal Reserve Act into law, thereby creating the Federal Reserve System we are familiar with today. The Act represented the most comprehensive overhaul of the American banking system since the Civil War. While officially touted as an act which "helped safeguard America's financial institutions," it was, in truth, a significant seizure of control by a small minority of wealthy individuals over the American people.

Contrary to popular belief, the Federal Reserve is not a government agency - it is a monopolistic set of 12 special purpose, privately owned banks. The Federal Reserve System, or "Fed" was purported at its inception to be a means of providing a safer, more flexible banking and monetary system. However, less than three years after signing the Act in to law, President Wilson deeply lamented his decision:

I am a most unhappy man. I have unwittingly ruined my country. A great industrial nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the nation, therefore, and all our activities are in the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the civilized world. No longer a Government by free opinion, no longer a Government by conviction and the vote of the majority, but a Government by the opinion and duress of a small group of dominant men.

- Woodrow Wilson, 1916

The Fed prints notes which have been declared by the government to be legal tender. The notes are backed by nothing more than the full faith and credit of the US Government. If the government needs more cash for latest spending spree, the Fed prints it up - but not without an associated cost. After charging the government the cost of printing, the Fed "loans" the notes to the government. The government pays an enormous amount of interest each year on its use of the notes. Much of what we pay each year in personal and corporate income taxes goes to the Fed as an interest payment.

The Fed controls the amount of script circulating in the economy, either adding to or removing from the supply. The Fed controls the interest rate the government pays on its debts and thus indirectly controls the interest rate companies and individuals pay for their borrowing. The Fed thereby has a very direct influence on the rate of inflation - or the rate at which the script in your pocket loses its purchasing power. The Fed, therefore, and not the federal government, controls the US economy and holds the most influence in the world economy.

The script you have in your pocket is not money, even though it is used to purchase goods and services and used to settle all manner of debts. The script in your pocket is a letter of credit between the US federal government (as debtor) and the Federal Reserve System (as creditor) and is used as a means to prevent common citizens from accruing wealth, thereby ensuring that they work hard all the days of their productive years.

Sound like a conspiracy theory against the banking industry? Perhaps it is.... But consider for a moment how fundamental to our daily lives, our hopes, and our plans is the concept of wealth and value. Consider the power creditors have historically had over debtors. Consider, too, the worldview of the founders of our modern banking system, put so eloquently by Mayer Amschel Rothschild, (1744 - 1812) founder of the Rothschild Banking Cartel of Europe:

Give me control of a nation's money and I care not who makes the laws.

Griff Kull

Entrepreneur from the Front Range of Northern Colrado.

Power Motivation For Successful Financial Management

2012-11-11T09:56:00.000-08:00

Don't let the rising cost of fuel and expenses steal your dream of financial success!

A SIMPLE SYSTEM FOR MEASURABLE AND SIGNIFICANT FINANCIAL MANAGEMENT SUCCESS

I want to take the time to share some positive information on one of the most important subjects that I can deal with when it comes to successful living, especially in these financially volatile times, and that is the subject of successful financial management. I have known people who have made a substantial amount of money in their professional life, but because they did not have a financial plan, they spent more than they made, thought that the income would last forever (and of course, often it doesn't), and they ended up owing thousands of dollars in debt and taxes to the government. I would like to help people to avoid those types of problems if at all possible, it is not only extremely simple, but extremely possible. After all, it's not how much you make that counts, but how much you keep, and how much you give to worthwhile causes!

I'm convinced that most people have all the ingredients within them, to:

1.) pay off their bills,

2.) get out of debt,

3.) make wise investments for their financial future.

***THAT'S WHY THIS COURSE IS PRICELESS!***

My task is to draw it out of you by providing a motivating challenge to you, along with a simple system for your success, that literally anyone can implement into their life in this crucial area. Most people think that the task is to complicated, and the subject to vast, making it impossible for the average person, without the training of a financial planner to succeed in their personal finances. Although we certainly advocate that a person takes the time to study the subject, and consult with professionals, we believe that a person must take ownership of their own financial success or failure, because no one is going to care about it as much as you! The bottom line is that you must take responsibility for you and yours, and with a simple system you can literally accomplish the task in about 120 seconds a day! That's right, I'm saying that you can pay off your bills, get out of debt, and make wise investments with only an average daily investment of time, of approximately, two minutes a day! I'm going to show you how in this report!

Most people think that they need to earn more money, and we are totally for that, but that is not the main problem that most people face. Most financial problems are created by poor money management, rather than a lack of money. If you do not have a system to manage your money, and if you do not consistently work that system, you will always find that even as you earn more money, your expenses will always rise to meet your income, and usually surpass it! I am going to share a simple money management system that anyone can use for financial success!

Everyone faces financial difficulties at different times in their life. This is a financial age that we live in, and it's easy to fail in this area of life, but the good news is that even your past failure can give you the wisdom to succeed, and certainly it is a great motivator to succeed next time! You must always keep in mind that your financial past does not have to equal your financial future! I have found that wisdom usually comes from experience, and experience usually comes from problems, obstacles and failure. The fact is that it is easy to beat yourself up in this area, which usually just makes matters worse but once you have a clear cut strategy, your attitude will improve, and you will feel better about things immediately! Some people become arrogant with their financial success, but its best to take care, and not be critical as things can change in a "New York Minute", as many have discovered in the past.

With the advent and invention of credit, it's very easy to spend more than you make, and most families today, live paycheck to paycheck. Most are living then, from crises to crises, and in survival mode, rather than facing their financial life courageously, paying themselves first, and working an investment plan! Most people find the money to spend on what they really want, but saving money is not a priority. Somewhere, sometime, somehow you must make saving money a priority, if you are going to have financial freedom and independence in the future, and I'll help you do that!

Most people lack a simple system for successful financial management including a simple savings vehicle. Once that system is learned, implemented, and acted upon, major and positive progress begins to take place!

FIRST: HOW BAD IS THE PROBLEM IN AMERICA?

***98% of Americans over age 65 are unable to support themselves without the help of the government or family members.

***Fewer men are worth $100 at age 65 than at age 18.

***According to the social security administration, of people over age 65: 45% are dependent on relatives, 30% live on charity, 23% are still working, and only 2% are totally self sustaining.

***85% of the over 50 crowd can't come up with $250 on their own.

***Most senior citizens live out their years feeling like they are a burden to society and their families.

*** The number one cause of stress in a marriage is caused by financial pressure. 85% of all marriage problems can be traced to financials difficulties.

***Today's young people face constant financial pressure, because of the emphasis on things in our society. When you're starting out, you cannot have things and money too, because if you want things, you must exchange money for things. You can't have both. How many young couples want in their first year of marriage, everything that it took their parents to accumulate over a thirty year period and more.

But most of these problems could be solved with a simple financial plan, worked consistently over time by both parties!

***95% of all self proclaimed financial failures say they lacked a plan for their finances.

Most people are just too busy in day to day living, just trying to survive, to take the few minutes a day necessary to insure their financial success! We're really without excuse, as there are so many great books, audios, and videos on the subject, that we could take advantage of, but we lack the motivation because we are so tired and worn out from the struggle, and stress of our fast paced lives. It's one thing to have the answers at our finger tips; it is another thing to take the action necessary to solve the problem. In this report you will have the system, a complete strategy for financial success, but you must supply the effort, and I encourage you to not procrastinate, but immediately apply this system and strategy to your life!

The first step in the process of financial success is to find out where you are now. If you want to fly to Tahiti, you must know the city you are going to be leaving from. So in your destination to financial freedom, you must ascertain where you are leaving from, or what is your financial situation right now. You must take the time to do a little personal financial analysis. Take out a sheet of paper , and list all your assets. It doesn't take a lot of effort, but it is essential if you are going to design a roadmap to follow to fulfill your financial dreams. Write down every thing you can think of, such as, do you own a home, a car, property, mutual funds, stocks, bonds, does someone owe you? List all jewelry, and collections, anything and everything of value that you can think of. The idea is to get a realistic financial picture of where you are currently in your financial journey. You are taking inventory of every asset you have that has a financial dimension to it. As you make your list, put a financial worth next to each item of a dollar amount. When you are all finished, total up the list, and that will be approximately what you are worth in assets at this particular time.

Now take another sheet of paper and make a list of all your liabilities. In other words, make a list of everything you owe. Most people do not enjoy this part because it is so revealing. Most people also do not know what they have in assets, and most people are not really aware of what they owe in liabilities. This is important in the process of charting your new course to financial freedom. Write on your liability list, every debt you can think of. What you owe on your house, your cars, you visa and charge accounts, any property, even list relatives and friends that you might owe. Be as thorough as possible so that you can get as real a financial picture as possible.

You then take the amount of your assets, and subtract the amount of your liabilities, and you have a true picture of your net worth! This is necessary to know, if you are going to increase your net worth. Now that you know where you are, you can set goals, and develop strategies, to take you from where you currently are, to where you really want to be.

Many people will find themselves in the negative balance. It was Donald Trump, who had just gone through a financial reversal, and several banks had just put him on a cash control system, was waking down the street and saw a homeless person rustling through the trash, when he thought, "well at least I'm not as bad off as that guy," and then he realized, "wait a minute, that guy is at '0', he doesn't owe anything, when I owe billions!" So if you take stock, and you hit the negative, don't feel too bad. If your not feeling to good after you have done this, let us share with you five things that cause financial failure, so that you can avoid them in the future:

1.) Failing to purpose to become financially wealthy. Remember, good things happen on purpose, and bad things happen by accident. You must make it a priority if you are going to make financial independence a reality in your life.

2.) Failing to control the resources at our disposal. Everyone has something that they can invest to make more money and secure their financial future. Winning the lottery, or striking it rich, is probably not going to happen, but if you take the resources that you already have, and put them to work for you, and let time compound your investment because you have a plan you can develop substantial wealth.

3.) Failing to set financial goals, and to develop a financial plan with strategies for financial success. Most people spend more time planning their one week vacation than they do their financial future! That's a tragedy! That's why people fail, they have no specific financial goals, they have no serious financial plan, and consequently, they cannot take effective action! It really doesn't take a lot of action, just action for a few moments consistently, every day!

4.) Failing to let the money you have, and the money you will have, to create wealth, for you. If you just get started, your efforts will compound every day because of the magic of compound interest, which works for you in investments over time, and against you in debts. Daily activity and action compounds, just like compound interest!

An illustration of the magic of compound interest is, that if you were to open a mutual fund account for a five year old child, and deposit $500 in that account, and never adding to that account again, when that child becomes 65 years of age they could have as much as $500,000 in that account because of compound interest.

Whatever resources you have right now, you need to invest and let this wonderful asset builder, work for you. If you invest properly and wisely, you're letting your money make money for you, even while your asleep!

5.) Failing to find out what you love to do, and using that to create opportunities to create wealth. So many people are trapped in life, just earning a living, instead of creating a life of abundance. People are afraid to let go of the familiar, and get out of the rut, even if they hate doing it every day. People continue to work in controlling, manipulating, miserable environments, with unhappy people, with bad attitudes, instead of using their special gifts and talents to create something of value that brings them great pleasure to work at! Find out what you love to do that charges your battery, empowers you, and then make that your life work, and find a way to make that create wealth for you!

Now that we have discussed how to fail, and have revealed the problems, let's continue on and discuss the positive solutions. The obvious solution is to make more than you spend, and invest the difference. Is that ever profound? The real trick is, how do you do that? That's exactly what I intend to show you! Basically there are three things that you must do:

*First, control your out-go;

**Secondly, increase your income;

***Thirdly, pay yourself first!

All it takes is an easy to understand plan, that is also easy to initiate, and then a lot of desire on your part, enough desire that is, to move you to action! Emotion produces motion. So when you are emotionally sick and tired of being broke, you can create the energy and motion to produce stellar results if you have a strategy to focus on and implement in your life! This is the strategy you have been missing!

Once you have initiated the plan, you will find immediate comfort because of the hope created by knowing that you are finally on a plan that will get your financial life under control. As you then begin to pay yourself first, you will feel much better, as our attitude is usually in direct relation to our bank account balance. Even if we still have unpaid bills. That's why; again, it is so important to pay yourself first!

My financial success strategy is going to be a four step strategy that is so simple that anyone can do it! A word of warning though, many great things are missed by many people, because we think complicated is better! Yet I have found the greatest things of life are found in simplicity, and some will miss the power of this system, because their frame of reference will not allow them to accept simple solutions! I challenge you to try, and test these concepts thoroughly, and see them pay dividends in you finances! I have seen many people apply these principles to their life, and in many cases, it has not only allowed them to, pay their bills, get out of debt, become financially free, and even start their own business. The sky is the limit, but the results are totally up to you. So lets get started with the incredibly effective four step strategy for successful financial management.

MY ASSETS

(Write down everything you own, your house, car, cash, savings, stocks, bonds, property, jewelry, collections personal loans owed to you, anything and everything of value that you can think of.)

____Item______________________________Est.Value

__________________________________________________ Total_________

MY LIABILITIES

(Write down EVERYTHING THAT YOU OWE. What You owe on your house, your cars, your credit card accts., bank loans, student loans, properties, even list relatives and friends that you owe money to. Be as thorough as possible so that you get a realistic financial picture.)

____Item_____________________________Amt. Owed___ Total_________

Part 2

POWER MOTIVATION FOR SUCCESSFUL FINANCIAL MANAGEMENT!

(The Strategy For Success) instituteofchampions.com

The management of your finances can be broken down into four major and critical steps.

1.) You must reconstruct your expenditures daily. The average person has no idea where their money is going, because it slips away daily, in little increments. Most people come to the end of the month, and find out there is more month, than money. How often I have counseled people who make good money, yet at the end of each month their bills are unpaid, and they have no idea where all that money went. You can never control your out-go until you know exactly where it is going. This is paramount to taking control of your finances, and if attended to for just a few seconds a day, you will know exactly what's happening. Let me ask you, what exactly did you spend your money on yesterday, the day before, last week, or last month? I mean every penny! This is so easy to reconstruct if you do it daily, and impossible to do if you don't. There is no place for arrogance here. I have known many people in my seminars that confidently declared that they knew exactly where their money was going, and upon closer questioning they came to the conclusion, that they really had no idea! I'm going to share an easy way to accomplish this simple task.

2.) You must record your income. Once again, most people have no real idea as to how much money they really have coming in to work with. Many people think they make more money than they do, because they have never studied all the deductions taken from their pay-check. Other people have no idea that they have extra money coming in such as a refund from an insurance company, or interest dividends, or some other source. If you will begin to focus on this daily, and start to record it daily, your mind will even begin automatically search for new ways to increase your income, and that's powerful! If you cannot control what you already have coming in, at least by knowing exactly how much that really is, how will you even take advantage of an increase when that happens? You must prepare for increasing your income, by recording it daily as it comes in, start now!

3.)You must review your obligations daily! Most people make the fatal financial mistake of only looking at their bills on the first or the fifteenth, depending on their payday. If you remember, we have previously shared the principle, that whatever you look at on a daily basis is what you will do. If you will take the time to look at your obligations daily, keeping them in the forefront of your mind, you will find that your brain will discover all kinds of creative ways of retiring your debt. This concept is so powerful, you will not believe the mileage you will get out of this when it comes to getting debt free, and I am going to show you how to do it!

4.) You must reflect on your investments every day. Again, whatever you focus on, you become. Its not enough to go to an inspiring investment seminar, or to read a good book on the subject, daily focus and daily action, are critical for success in any endeavor, and much more so in this area that is so important to you! If you will exercise the little, small, discipline of focusing, every day on your investments, then again your mind will start looking for good investment opportunities, and your mind will also find, and free up funds to build you investment portfolio into a fantastic future for you. Again, I WILL SHOW YOU HOW!

Financial success is really the result of simple but good financial habits that are initiated over a period of time, and repeated over and over. Wealthy people have simple habits that are successful, that they have learned and that they just keep doing again and again. Success leaves clues, and once discovered they will work repeatedly if you will just simply repeat them.

Let's discuss thoroughly, point number one in my four point strategy for financial success, that is; Reconstructing daily expenses. I encourage you to purchase a three ring binder to set up your simple management plan. The first thing to do is to take some regular notebook paper, (or make copies of the form I have provided in this report) and at the end of each day, you simply write the date, and then write out everything that you spent money on that day. If you have a spouse, be sure to include them in this exercise. It will only take a few moments. Just ask yourself, "what did we spend our money on today?" Write down everything that you can remember, including every cup of coffee, every snack, lunch, dinner, drinks, newspapers, gasoline, groceries, anything and everything that you can think of. If you will do this for a few minutes at the end of every day, before you go to sleep, you will get a new appreciation for where your money is slipping away to. At the end of the month, you can then categorize your expenses, and easily see where you can cut back so that you will have more money to pay your bills and invest.

This simple process will make you accountable to your self and to your spouse; you will find that you will stop wasting money on non-essentials because you don't want to have to add it to your list at the end of the day. The principle works on the same idea as "Weight Watchers", where they have you write down every thing that you eat every day. What an eye opener that is! I guarantee, this little discipline will work wonders in your life, if you only work it. Your mind will automatically begin to control your spending, and you will feel great because you know you are making process, all because you are simply aware of what you are spending on a daily basis. Daily is the key! If you want it to work, it will only work if you take the little discipline of doing it daily! At the end of each month, (because you will want to continue this effective process), you should have an entry for every expense for every single day. You don't have to get fancy, but you do have to be consistent and thorough.

The second crucial part of my strategy is to, Record your income. If you will go to any office store, you can pick up some simple ledger sheets that will fit in your notebook, behind the notepaper. (Or use the form I have provided) Start by placing the month at the top or the sheet, and title the sheet, "Monthly Income". Each day, when you take your 120 seconds to get your life under financial control, ask yourself the question, "did we have any money come in today?" What about money from a garage sale, or someone who repays you a loan, or a gift from someone, or money from an investment, or money back from a refund. Any number of items would apply. If the answer is yes, then enter it on the ledger sheet. Many days there will be nothing, especially if you get paid twice a month, but get into the habit of asking the question, daily, anyway, as your mind will start looking for ways to earn money to put on the list, and you will be surprised at how really creative you can be in this area. It really does work! At the end of the month total up your income so that you can really know how much you had to work with, and watch that amount begin to grow every month!

Now lets discuss the third crucial part of this four part strategy, that of reviewing all your financial obligations daily. This is where it can get a little negative in the beginning, but soon this list will be a great encouragement to you. Take another sheet of the accounting ledger paper, and entitle it, "Monthly Obligations", and also include the month. Now list any and every bill that you owe! Start with the most important first which would probably be you, (because your going to start paying yourself first, and we suggest that 5-10% is a good place to start). Then list your mortgage or rent, and so on down the line. Dig out all your bills, and jog your memory, and list everything you owe, no matter how painful it seems.

We have seen people with fifty to sixty entries on their list in the beginning, and after a few months the list will shrink and shrink, until finally there will only be about fifteen entries each month that are essentials that you will always have.

A word of warning...when you have your list completed do not go on a drinking binge, or contemplate suicide. Its not worth it. We said this is the negative part, and one of the big reasons that people never go to financial seminars, or ever follow through, is that it is just to painful to face the truth and see how bad things really are. So we would rather hide our head in the sand, like everything else is not exposed! This though is a crucial step as everything revolves around this. Now you are on the road to recovery.

Once you have your list completed, take the time to not only prioritize your list, but also to identify bills that you are paying the highest interest on, and bills that will be the easiest to pay and remove permanently from your list so that next month you can apply that money to other bills. Each evening, look over your list and ask, "is there anything that I can pay today?" Your mind will automatically begin to look for ways to clear this list, and shorten it month by month. As you are tempted to make purchases that you cannot afford yet, your mind will remind you that you would rather pay your debt list down. Its almost magical how it works, but the key is again "daily". As you pay each bill, write the date paid, and make a big deal of it, maybe crossing it off with a red pencil, anything so that you can see the progress you are making. At the start of a new month, transfer the regular payments to your new list, as well as those that you have not been able to take action on yet, and watch that list shrink month after month. If you will follow this plan daily, it will shrink, and you will have a great sense of accomplishment every month instead of being overwhelmed and discouraged because your finances are out of control.

The fourth and final step in this strategy is to, reflect on your investments every day! As I stated earlier, make it a point to pay yourself first. Your creditors will wait, because they have to, the important thing is you, and you must start to pay yourself first, methodically and consistently, if you are going to secure your financial future. Take another accounting ledger sheet, and entitle it, "Investments", at the top. Begin to list how much money you are putting aside each month, and ask yourself the question everyday, "can I increase my investments today?" Savings accounts are the worst financial vehicle you can have your money in, as they pay such low rates that inflation will slowly eat up your money but take action and do something! Mutual funds are generally the best and most consistent investment if you study them. Look for funds that are "no-load", which means that they don't take a commission off the top the minute you invest, thus lowering your investment amount, and causing your fund to have to grow substantially just to break even. There are good "no load" funds that you can invest in for a minimum of $100, and you can even start an automatic deduction, monthly out of your checking account, so that you will be consistent in investing. Be sure to look at a funds growth over the last fifteen years, and find out how many years it will take to double your investment in the current market. The important thing is to pay yourself first, start investing, and if you will focus on it everyday, again your mind will begin to study investing, and cause you to focus on good opportunities that cross your path. It's an automatic when you use a simple system like this that is so powerful. As you work your system you will see what I mean, and you will become a proponent of it, to all you meet. It will totally revolutionize your financial life, if you will just discipline yourself, a little every day, for about two huge minutes, out of twenty-four hours. Do you think it's worth it?

Remember; if you always do what you've always done. You'll always get what you've always got. So, if you don't like what you're getting, you MUST CHANGE WHAT YOU ARE DOING!

Now be like Nike and "Just do it!"

(If this simple system for financial success has been a help to you, I would love hearing from you.

drgary4@juno.com

Reconstuct Daily Expenses Month_____

(Write down everything youyou have spent at the end of each day. Dining, dry cleaning, clothing, entertainment, groceries, coffee, doctor, household supplies, record, anything and everything))

__Date__ Item_________________________ $ Amt. ______ _________________________________________________________________________Amt_____

Source___

Monthly Income Total $ ______

Focus on Investments Daily!

(Savings, stocks, bonds, mutual funds, pension, Gold, IRA, anything that will increase in value over time.)

Investment Vehicle Date $ Worth______

By Dr. Gary D. Knouf PhD.

Dr. Gary D. Knouf
http://www.instituteofchampions.com
Drgary4@yahoo.com

Introducing Speaker, Communicator, and Author: Dr. Gary Knouf

Dr. Gary Knouf has spoken publicly over 12,000 times in churches, colleges, schools, retreats, camps, corporate trainings TV, radio, and more. He has been an Author, Pastor, Evangelist, CEO, and President of companies for 31 years. He holds three doctorate degrees, two Doctorate of Divinity's and a PhD. in Psychology and Counseling from Baptist Christian University. Dr. Knouf is also a certified marriage and family counselor. He serves God full time at Apache Creek Deaf and Youth Ranch as Staff Evangelist as well as director of PR, and Marketing.

Favorite Topic: His new book, "Power Motivation for Bible Believers" a Christian personal development book emphasizing how believers can discover Gods will for their life, and also learn how to Biblically and spiritually motivate themselves to accomplish Gods will and live a victorious and fruitful life.

Other topics of interest: "Successful Relationships," "Successful Financial Management," "Power Principles for Success in Life" "Dealing With Depression,"
"The Secret To Receiving God's Richest Blessings," and More.

Call today for more information or to book your interview or event at 575-533-6293 or contact Dr. Knouf through http://www.instituteofchampions.com

How to Get Out of a Financial Rut

2012-11-08T21:20:00.000-08:00

Imagine a world that is free of financial concerns. A place where all essential needs are easily provided and there is no debt or financial hardship. You would have total freedom of choice in what you do, where you go and what material possessions you choose to surround you. Here, everything is in abundance and there is no concept of greed, poverty, scarcity or crime.

In this world, envy is unheard of. Everyone has everything they could possibly need or want, and everyone knows and believes they deserve it. No-one has to take more than their share. Goods and services are traded fairly and for full value. There are no economic slumps, recessions, depressions or inflations.

So what is preventing us from creating this society here and now? In western countries, 80% of the wealth is held by 20% of the population and in other cultures these percentages can swing even more widely in favour of the rich.

The creation of wealth is an achievable goal for everyone. It is now, and it always will be. It is only our conditioning: social, parental, educational and, to a large degree, emotional, that prevents us from being wealthy. There is nothing natural about being poor. It goes against the very tides of nature to have less than what we need to lead happy, successful lives.

Making money is simple. You do not need to be a financial wiz-kid, a stock market expert, a banker, an accountant or a rocket scientist to become rich. All you need is a certain amount of dedication, a reasonable amount of patience, a good strategy and the discipline to stay with it. In essence, you need a well defined program or system that prevents you from going off the rails.

There are approximately six stages of financial management. To master each stage and move on to the next, we need to apply certain strategies. Each stage has its own strategies, or rules. Follow the rules for the stage you are in and you cannot go wrong. Break the rules and you may fail. These stages are natural to success and when you understand them and apply the right strategies, you cannot fail. It is simple and it works.

There may also be times when we cannot break out of a financial rut. If you find yourself repeatedly having the same financial problems, you are probably doing something wrong. Correct that behaviour and your position will improve, ignore it and your situation will stay the same - or become worse.

To understand the natural stages of growth, we simply need to observe nature. Seeds germinate, then the seedlings emerge, the plant grows, buds appear and flowers develop. The different stages need different cultivation, fertilisation, watering and different climatic conditions. You plant daffodils in autumn. The colder months of winter help germinate the bulbs and they flower in spring. You cannot change the system. The rules are in place. Follow the guidelines and you will have a magnificent harvest.

As with nature, we first need to plant the seed for wealth creation, water it, fertilise it and wait for it to grow. We need to weed out the negative habits that can interfere with our harvest. We need patience and dutiful care. There are times when we can be extravagant and times to economise. If we carefully cultivate our finances, we can sit back and watch them grow and flourish.

I first learnt about the benefits of understanding the different stages of growth whilst studying for my accounting degree. In one of my management subjects, we studied the 'Learning Ladder' or the stages of Conscious/Competent Learning. It was discovered that when presented with a new area of learning, people naturally progressed through various stages.

The first stage, Unconscious/Incompetent, marks the beginning of any new endeavour or experience. You are 'unconscious' because, at this point, you don't know what is involved or what you have to do, and 'incompetent' because you don't know how to do it yet. This is usually a stress-free time. For example, you have just been told you were successful in getting that new job. You feel happy and elated. You have no idea of what is involved or how to do it. This is a particularly carefree time.

When you start the new job, you enter Stage 2, Conscious/Incompetence. All of a sudden stress appears. You are now 'conscious' of the fact that you don't know what to do, and anxiety increases.

A few weeks into the new job and you have learnt what to do. However, you still have to concentrate, or remain conscious, on every task to ensure that you are doing it correctly. This is Stage 3, Conscious/Competence. This is still a stressful time.

Finally, you have mastered the tasks within the job. You know the job backwards. You don't have to think about what to do next. It is easy and stress-free. This is Stage 4, Unconscious/Competence.

In learning any new skill, whether it's driving a car or learning to play a guitar, you will automatically progress through these four stages. However, because of the stress factor of stages 2 and 3, this is the time when people are most likely to fail or drop out. If there was something that you have tried to master but failed - look back. Did you give up too soon?

And so it is with managing money. Many of us have simply given up too soon. We may have had a difficult job; left and taken a lesser paid one, only to resign ourselves to earning less money. Or maybe we struck financial hardship and just surrendered to the belief that this was our lot in life. We may have started going into debt and instead of being proactive, used more debt to try to recover - burying ourselves deeper and deeper into financial crisis.

To have more money, we need to understand the various stages of wealth creation and become proactive in managing these stages. This means to commit to a positive course of action and being prepared to devote a certain level of effort and time to it.

Copyright © Ann M Marosy 2008. Ann Marosy is an accountant, consultant, and former university lecturer. She was formally the Financial Controller of the Fortune 500 Company, Jardine Matheson, and Finalist of SA Executive Woman of the Year. Ann is the author and creator of 'The Money Program: How to Manage the 6 Stages of Wealth'. For more details visit her website: http://www.moneta.com.au

The Importance of a Wealth Building System Today

2012-11-06T12:36:00.000-08:00

Today, the world is not as stable as most people would like it to be and is the reason the wealth building system was created. This is because economies are on the downturn, and most people are not as secure as they would like to be in their jobs. In addition, this applies to those in the private sector as well as those in the central government.

That is why they are turning to other methods of earning more income. This is so that they can be stable and provide security for their families. In fact, it is the main motivation behind the fact they look for new sources of income; hence the popularity of the wealth building system.

How the wealth building system works

One of the ways in which people have realized that they can earn more cash is by using this one of a kind system. It is contrived such that it can make any person start a home business successfully and in an extremely easy manner. Therefore, it requires little expertise to start it off. This is unlike most systems available today.

The wealth building system is also designed in such a way that mentor ship can be provided to individuals who feel that they cannot go it alone. These mentors are well trained and provide guidance on every step of the way once a person decides that they will join the wealth building system. The mentors who are given to every new person who joins the system do not only offer guidance on how the system works. Rather, they also give advice on pertinent issues in life so that one may live to the fullest.

The wealth building system for newbies

Just like many other business systems or units, there are steps that ought to be followed for them to work. Moreover, with aid from wealth masters international experts, a person can be able to achieve anything that they want. All one needs is to follow the instructions given, and they are guaranteed to succeed.

As a matter of fact, the wealth building system has even been designed for newbie's who have no idea on what marketing or advertising entails. Therefore, anyone who wants to make use of the system can do so. In addition, if they keep at it for long enough they are guaranteed to be experts themselves after some time. That is how well the system works and is also the reason the success rate is high too.

The reason the wealth building system is suited for anyone

Therefore, anyone who feels that they are not secure in their jobs may turn to this program so that they can change their lives for the better. Additionally, since the wealth building system ensures that one can grow their income stream as long as they work on it, the program offers continuous education too.

The education is provided so that a person can learn the newest methods that they can use in the system. As such, a person is assured that the program will always work since they too are changing with the times. Thus, the wealth building system is recommended for people who need to live life more fully, with no stress. Living a life of prosperity and attracting health, wealth and wisdom into our lives requires us to collectively become a part of the SOLUTION! It starts with us. Wealth Masters International is a solution to the current economic crisis. We are changing lives each and every day.

Why do I want to help you? For one simple reason, I used to be like you. Then someone offered me an opportunity and I took it. It has been the best choice I have ever made. I am now extending my hand to you... are you ready to take it?

You need a turn-key system that can put money in your pocket the first or second week. If this were not the case, you wouldn't be reading this right now. Don't worry, you can get started with a very small budget -- we even teach how to market for FREE. No one else will.

Get more insider tips and information on the most effective Wealth Building System at http://wealthbuildingsystemnow.com. Learn how to get access to our Wealth Building System courses that will teach you how to protect and grow your wealth, today. In the current economic climate, this is a resource you need now. Come visit us for more detailed information.

Creating Financial Independence With Mutual Fund Investing

2012-11-03T13:48:00.000-07:00

It is the dream of most Americans that one day they will be completely free of financial worry and strife. It is the essence of all Americans in our capitalist system to over achieve and live on easy street. While this may be a lofty way of thinking, mutual funds can be a method of making this dream a reality. Mutual fund investing is a way for many people with little money to make a big splash in the economic world.

A mutual fund can be described as a commodity such as stocks, precious metals, bonds, or other securities that can be invested in to turn a profit. The very name mutual fund highlights a key ingredient in its very definition and that is the fact that it involves a group of people rather than one loan investor on a project. Anyone can buy into a mutual fund to expand their portfolio quickly and more safely than simply playing the stock market.

When some decides down this financial course, a case manager or board of trustees will guide the money invested into a fund. This is one way in which the investor can feel safe when putting up the cash for a mutual fund. Make sure to research the case manager, investment company, and board of trustees thoroughly before investing with any company. Also, be sure to know what kind of fund your money will be channeled to.

In order to foster more security for investors, the United States government passed two pieces of legislation to help ease the fear of potential backers. These acts are called the Investment Company Act of 1940 and the Investment Advisers Act of 1940. These acts served to regulate the investment field by not allowing companies to switch between different types of funds. These Acts were a way to make investors more comfortable again at the end of the Great Depression.

Financial independence is by far the key upside to mutual fund investments. Because it involves a lot of people paying into the fund, a security blanket is created simply by assimilation. The only fee that will be incurred by the brokers or firms themselves on the initial investment amount or by taking a percentage of money made off of solid investments. Some companies also only work on commission from solid investment advice.

Mutual fund investing is one of the low risk ways to turn a profit when looking to expand a portfolio. This is not to suggest that some have failed in the past because there is always a risk-reward factor when dealing with investments. However, by many people investing through a broker in one direction, a market is made for whatever commodity is being bought. This commodity will then turn a profit which can be put back into the fund or collected by the happy, wealthier investor.

Another important area of investing is knowledge about how to sell structured insurance settlement, or to have an understanding of wrongful death settlements.

Free Debt Help Tips to Reduce Credit Card Debt

2012-11-01T12:27:00.000-07:00

Credit Debt Information

Debt is a large part of the American economy; the concept itself is what the entire financial system stems from. To develop credit, you get loans, and spend money that was never yours, and then gradually repay the loan. The American consumer is constantly approached with the advertising and promotion for "buy now, pay later" financing options. With the reminder so often, in every form of media, getting lost in the world of credit cards, interest rates, and eventually, a staggering pile of debt, --is not hard. Debt advice is that much more important.

However, with research, free debt help, and the active pursuit of credit and debt information, it is rarely impossible for the individual to get out of debt, and get their financial life back on track. But learning financial discipline; the key to successful credit, and finances, is a struggle for many, and an obstacle for most. Learning financial discipline isn't just about being responsible for the money you spend, but learning how to budget, and improving your account management skills. Gradually, being more economically strategic will pay off, and your money won't be "just enough", anymore, soon, your withholding might even be more than your salary. We are dedicated to providing you with the resources, information, and tools you need for getting back on the path to financial success.

Settle Your Debt with Our Assistance

Despite the popular beliefs about debt settlement, believe it or not, the people you owe money to would rather give credit debt help than thwart your efforts to stabilize, and ultimately pay off your debt.

For example, if your mortgage agreement isn't working for you; the payments are too high, and you haven't the financial ability to pay on time, or in full. Your lender would much rather meet with you, and arrange a new deal so that your financial relationship is not damaged. Foreclosure is not the lender's first choice of options, because the lender suffers money loss from foreclosure. Not only does foreclosure seem to irrevocably damage your credit, but it also means that the lenders won't be seeing their cut of the finances either. More often than not, a lender will be willing to renegotiate payments, or mortgage terms so that payments are feasible for your circumstances.

Likewise, in another situation, for example with credit card debt; the credit card companies would prefer assisting you with credit card debt settlement. Why? Because lowering credit card rates and offering a hand with debt consolidation is preferable to your declaring bankruptcy and their not receiving payment at all.

The key factor to relieving your own credit card debt is having the knowledge necessary to work with, not against, the natural order of credit. A couple important tips to dealing with lenders and creditors; compose a detailed budget that can attest to your current financial circumstances, and learn how to approach to these individuals. Read on for more guidance, and information for debt settlements.

Good Credit Management

Not only can we help you reduce credit, and eventually eliminate credit card debt, but we also provide resources for learning better money management, so that your debt never becomes a disaster, and your credit score improves. You'll find tips and suggestions, as well as practical and realistic credit debt counseling for creating budgeting strategies, maintaining accounts, effectively directing your finances towards the debt that will cause the greatest positive impact of your credit score.

Filing for Bankruptcy

It's important to remember that there are always options other than bankruptcy; avoiding having to file bankruptcy is important. However, sometimes, bankruptcy is the best choice and the last one available. Many programs offer credit counseling to help make filing for bankruptcy credit card debt a less painful and complicated process, as well as fulfill the requirement by law that all individuals filing for bankruptcy receive said bankruptcy credit counseling before they file.

Find out more ways to reduce credit card debt [http://www.professionaldebtadvisors.com/Credit-Card-Debt.php], visit [http://www.professionaldebtadvisors.com/Credit-Card-Debt.php].

Establishing Your Credit - A Better Way To Financial Success

2012-10-29T15:32:00.000-07:00

In today's economy, so many people are worried about their credit score. They believe that their credit score is incredibly important. However, if you manage your finances properly, you may never need a credit score. I know this sounds crazy... but relying on a credit score to handle your finances means that you are living beyond your means.

Join the Revolution-Live Debt Free

Imagine if our nation had not overextended itself prior to the recession. What if companies minimized the amount of borrowing that they did? What if your family no longer carried $10,000 in credit card debt or more? What if we spent what we had and not a penny more?

It may sound unfavorable, but when normal means you are broke, why do you want to be normal? That is the question that Dave Ramsey asked many people. He encourages people to live debt free. The concept is not a new one. Even in biblical times during the 7th year all debts were forgiven.

If we look back in history to and learn from our past, let us look at the great civilizations of the past. The longest lasting empires and most advanced civilizations in our history did not allow the levels of debt that our society incurs everyday. Have we forgotten the successes of the past? Have we forgotten the wisdom?

Choose to Be Different

How you manage your debt is up to you. But, if you want to establish your credit why not start by only spending the money that you make. Here are a few tips to help you do that.

Step One-Spend Your Money on Paper Before You Spend It at the Store

I know that keeping a budget can be difficult. However, if every time you get paid, you keep a budget or log of how you're going to spend every penny, you will ensure that you do not spend more than you have. Basically, you sit down with your paycheck and a piece of paper. On each line you write what you owe and what you were planning on spending for certain categories. Then, you total up all of your spending and make sure that it equals how much is in your paycheck. If there is money left over, you need to add a category for where that money will go. A great category if you have extra is "savings".

Step Two-Check Your Budget Every Week

If you are anything like me, you can find time to watch your favorite TV show every week. But, you struggle to find time to check your financial situation every week. By setting a regular appointment to check your finances, you can make sure you are staying true to your budget. It does not have to be an involved balancing your checkbook process. You just need to make sure you are staying on budget. By doing this every week, you ensure that you never get too far off track.

Step Three-Create a Heaven-Only-Knows Category

Okay, we know that we can not be perfect at this system. If you were already perfect at this, you would not be reading this article. So, as a way to give you some flexibility, create a HOK category. The HOK category is your indiscriminate spending money. You can use this for what ever you want. And only Heaven will know what it was used for. Do not overspend. But, feel free to use your HOK money however you see fit.

By using these three steps you can be on the road to a well-established credit and a financially stable situation.

If you are looking for additional ways to manage your finances in a responsible way, read more of Jacob's articles by clicking on his Author link below.

A few others you may find of interest are Dave Ramsey, MotleyFool, and of course, one of my favorites, a book entitled: The Richest Man in Babylon.

How to Achieve Financial Freedom with Your Home

2012-10-26T16:26:00.000-07:00

The secret disclosed on how you too could achieve financial freedom through property (and tell the pension companies just where to stick their measly, worthless pensions) Geoff Morris is a self-made property millionaire who made it in less than 18 months even with a hectic 'day job'. He has written a series of articles to help people like you achieve the same levels of success as long as you are willing to Go For It!

Many people these days are getting more and more concerned as they approach retirement age. Even those in their late twenties are beginning to become concerned about the effects of old age. What has brought on such a dilemma in those so young? It is the plight of the pensions in this country that is causing this concern?

Probably.

But there is a solution to all this that could not only remove this fear, but also dramatically improve the lifestyle of all concerned.

What is this solution?

Most people are brought up to believe that their main goal in life is to own their own house, and have fully paid for it by the time they retire.

Why?

What is the point in just scrimping and scraping throughout your working life only to have to sell your house and move down market, or worse still, sell up and rent, while you just try and make ends meet on a pitifully small handout from the State?

As soon as you have bought your first house, you should be thinking about buying your second and your third, and your fourth..

What on earth for , will be the retort of most of you, we can only just afford the repayments on the first one, let alone buy any more

Lets look at the way most people buy a house, and then lets look at some alternative methods.

The usual way of acquiring a house is to put down a large deposit somewhere in the region of 10 15%, which on an average £200,000 house will equate to around £30,000.

The next route is to take out a repayment mortgage over a fixed term, say 15 to 25 years, where you will be paying a combination of interest on the outstanding loan, as well as repaying the capital.

On top of this, most people will take out some other financial facility, such as an endowment policy coupled with a life insurance policy for the period of the mortgage, so at the end of the mortgage term, they will not only own the house outright, but also have a lump sum. Not a very large lump sum, as a lot of the insurance premiums would have gone towards the life cover purchased.

Now, we have all seen how endowments have failed terribly of late due to overoptimistic performance, so there is no guarantee that the above route wil produce anything other than a tremendous financial drain on this person for a very large period of their lives, and with no real plan for their future except ownership of a house, a small endowment, and probably a ridiculously low pension to keep them going in their retirement years.

However, there is another way. Interested? Then read on.

Lets look at a totally different scenario, where the couple looking to buy their first house took specialist advice from one of the more reputable property clubs that are around. These clubs are admittedly usually aimed at property investors, but isnt that what we all should be?

Now, lets take our example of the £200,000 dream house for our hopeful house buyers. They see a development of dream houses by one of the nationally recognised house builders. Do you think they could persuade the developers to pay the 15% deposit for them? On their own not a chance, but if our hopefuls go via one of these property clubs, the chances are that the developer would now be willing to pay the 15% as a gift.

I can see your expression now. Not a chance you say. But it does happen, and we can arrange introductions to make this possible.

So, you now have bought your house, and instead of having to find £30,000 deposit, al you have to do is get your self a mortgage.

Now, when you move into a house, especially in your early years, the chance of you staying there for the term of the mortgage is very unlikely. You may change jobs; you may want to move to a different area, or there may be many other reason why you will want to move within a few years. So, the house you have bought is only a temporary residence, and you could almost treat it as a rental property but with one big big difference.

Whether you paid the deposit, or whether you got this gifted deposit from the developers, this money, this equity in the property is YOURS. And not only that, it is a historical fact that house prices, given time, will always increase.

So as this is a temporary abode, why go for a mortgage that includes a repayment element in it? Why not go for what is known as an interest only mortgage? What this is then is a loan where you never pay back any of the principle of the loan, but only the interest on it. You will have to pay back the capital at the end of the term, but we will be showing you how easy that can be achieved a little bit later.

Your situation now is that you are paying the barest minimum mortgage repayment, but are also sitting on a considerable amount of INCREASIING equity! You do not have to pay for an expensive endowment policy, although a life policy may well give your other half a comfort blanket.

But now look at another effect, which is called Leverage. With a no-money down deal, the leverage is enormous, but consider the case where you bought a £200,000 house and put a 10% (£20,000) deposit down on it. If the house goes up in value by 10% the equity in your house will have increased by some £20,000. Now, your initial investment was £20,000, so you will have DOUBLED your investment in 12 months. Not bad huh! Try doing that at your local Bank, or even if you dare, the Stock Market!

So, lets say house prices went up by just 5% per annum over the next 2 years. This would mean an increase in your equity (equity being the difference between the value of your house and the amount of the mortgage on it). This would mean you now owned an extra £10,000 after the first year (5% of £200,000) and £21,000 after the second year (5% of £210,000 + £10,000 from the previous year). This would mean that your house was now worth £221,000, of which you now owned (£221.000 - £170,000) which comes to some £55,100.

Wow! £55 Grand that belongs to you!

Now, lets do something with this money!

With a good clean credit record after the last 2 years (assuming you had no defaults on your mortgage payments) you could now refinance your house. You could go to your existing lender (if you have a penalty period in your mortgage), or you could go to any other lender and negotiate up to 90% (subject to your financial status) of THE NEW VALUE OF YOUR HOUSE.

90% of £221,000 is £198,900. So you can release nearly £30,000 out of the equity in your house. And the best thing about this money is it is totally tax free! No capital gains to pay and no income tax! If you dont believe me, speak to an accountant.

Many people have in fact done this, but have then spent the money on new cars, boats, holidays and the like, but once the money is spent in this fashion, it is gone for ever.

But how about if you went and bought another house, this time as an investment property?

You never know, your friendly developer may be persuaded to give you another gifted deposit, in which case you could buy several more houses (your only expense being legal fees, brokers fees, and stamp duty, which on a £200,000 property would come to around £5,000). In this case, with your £30,000 you could buy another 6 houses!

But how do you go about buying all of these houses? And how, if they all have £170,000 mortgages on them are you ever going to meet the repayments. Assuming an interest rate of 5%, that would be about £700 per property per month! £4,200 per month mortgage! Heaven forbid. How would you sleep at night with that level of debt to your name?

Some years ago this would have been impossible as there was no real financial system that would enable an individual to do this. However, now, you can get what is known as a Buy To Let mortgage, where lenders will usually lend up to 85% of the property in question, as long as the anticipated rental income will cover the repayments , plus a bit. The plus a bit tends to vary from lender to lender, but you can very quickly get an answer from lenders on whether they will meet the loan. Also, if you are going to get a gifted deposit, there are only a few lenders who will offer 85% of the list price, so once again, you will need to use a property club or a broker who is used to this situation.

So, you are now the lucky owner of 6 investment properties, as well as your own house.

You also have a commitment to pay 6 investment mortgages as well, and we totalled that as being some £4,200 a month!

But you dont want to have to pay that do you? No! You get tenants in, who very kindly pay the mortgage for you (plus a bit for your pocket and 10% or thereabouts for a managing agent to look after the tenants). You can also take out insurances to cover loss of rent, damage, legal fees on disputes, so it is eminently possible for you to become an armchair investor landlord.

However, you now own 6 investment houses, not one. You have already seen how equity can build up in your own house. So lets look at each of your investment properties.

If each property was worth £200,000, and you got a 15% gifted deposit on each one, you are already looking at an equity of some £30,000 in each unit.

If each property increased in value by just 5% per annum, thats £10,000 from every unit.

Just look what you would be gaining. You would now own a property portfolio of 6 investment properties worth £1.200,000 of which you would have instant equity of around £180,000, and this would be increasing (at just 5%) of some £60,000 every year. Without compounding this increase, if you sold all of your investment properties after 10 years, you would walk away with well over THREE QUARTERS OF A MILLION POUNDS!

So, do you still believe that whatever the cost your main objective in life is to pay off your mortgage?

By all means, have this intention but only after you have made so many other gains that you can really afford this luxury.

This is just one in a series of informative news articles issued by Geoff Morris.

Others include:

How to generate an income in excess of £30,000 per annum without leaving your Day Job How to benefit from Off-Plan property purchases and what pitfalls to watch out for How to use a SIPP (Self Investing Pension fund) to grow your portfolio and protect it from the Tax-Man!

Other articles can be viewed by just signing up to his property investment page at [http://www.propertyprofits4you.com]

Geoff Morris has built up a multi-million pound property portfolio in less than 18 months. He has written a number of articles aimed to help others follow the same path to financial freedom. Imagine the peace of mind that you would achieve if you follow the advice to be found in his Free reports and consumer guides to be found at [http://www.propertyprofits4you.com]

Free Debt Help - How New Laws Have Created Debt Relief Options

2012-10-24T07:28:00.000-07:00

There was a time when people could get out of a difficult financial situation by filing bankruptcy and get a trouble free fresh start. But with change in laws free debt help has come to the rescue of the masses so that what has been changed by the new laws can get people some respite.

Today what people face are the changed implications of the personal bankruptcy rules given in chapter 7 of the bankruptcy code. According to the new rules anyone filing insolvency will have to pay some part of the debt that he or she owes to the financer. Besides that there are many other types of loans which are not exempted from being written off, such as student loans and government taxes have to be paid in full without any reductions.

These changes in the laws have made bankruptcy an option which should be considered the least when it comes to resolving debt issues.

When one passage shuts new avenues appear. This is what happened with the implementation of the new bankruptcy rulings. People found debt relief as a far better option in the current scenario. With a bankruptcy you will end with a very low credit score, but on the other hand a settlement will give you a lesser damage. Besides when you have to pay a part of the debt then it is best in everyone's interest that maximum amount is waved off. This is what relief options offer.

If you are in need of free debt help you have a better chance of finding it online. Free debt help is available for all those who have a balance in debt exceeding $10,000. There are relief networks that provide information regarding personal debt elimination. Here you can learn all about the available options that you can exercise and benefits that each option has to offer.

For those who think that the new laws are unfair, all that I will say is that the government has its duty to protect all individuals and all institutions from being harmed. The present economic situation in the country dictates that the financial institutions need support from both the government and the account holders. The new laws are here to protect the system without which our economy is likely to deteriorate further. The change was inevitable but the debt relief options give all of us a lot of support which should be utilized fully as insolvency cannot solve anything anymore.

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.

Free Debt Advice [http://www.freedebtsettlementadvice.com].

Finance for Children: How to Provide Financial Education Through Allowance

2012-10-21T12:29:00.000-07:00

Are you looking to teach your child about money management? The earlier you start this process, the easier it will be for your child to develop financial habits that will benefit him or her for a lifetime, and prevent them from moving home after college in serious debt. Statistically speaking, they may still come back to the nest, but debt free would be nice. Yet sadly, too many parents avoid talking finance for children as they think it is too advanced. Maybe as parents our finances are not the way they should be, too much debt, late bills, and collections so we chose not to talk money with our children? Don't fall into this category, regardless of your circumstances. Your child can learn to budget wisely starting at the age of three, yes, starting at the age of three, and odds are as parents we'll learn something along the way. By the time he or she is ready to head out on their own, these habits will be so deeply ingrained they won't experience the financial difficulties many of us have had to, and better yet, if they fly back to the nest, they can treat us to dinner! Here are six steps you should follow when setting up an allowance that can teach finance for children in a fun way.

1. Start by determining how much money your child should be receiving and the frequency of payment. If they are old enough, let them be a part of the negotiation. Get creative, many parents will chose chores as the foundation for payment. This is a great opportunity to instill the entrepreneurial spirit in your children. Not just chores, maybe you would like the artwork on the fridge updated monthly, or fresh flowers on the table every few weeks. Give them opportunities to explore their passions, it's a delicate balancing act, putting a value on what the enjoy, but this will encourage them to investigate ways to create income beyond a J.O.B. Which for many of us means "Just Over Broke".

2. Once you and your child have determined what activities generate income, they can be compensated in the form of an allowance. How you choose to pay your children is up to you. Over 50 million people bank online, at our house, over 95% of our money management is virtual. With the advent of online banking, online bill pay, and banking apps it is vital that our children learn how to manage money without having cash in hand. Here you have a few choices, set up a bank account that your child can manage online, or use an online system where they can manage virtual money, like Three Jars, or create a spreadsheet. If they're young enough, consider decorating 3 jars as a craft project, and set up some form of payment system.

3. When your child receives their allowance, you want to show her how to budget wisely. As many financial experts will tell you, the most important thing to remember in terms of finance for children and adults, is always pay yourself first. Before they enter the complex world of bills, investments, and life on their own it is important to build a strong foundation beyond take the money and run. As adults, we use a six jar system taught by T Harv Eker. While this may be complex for children, this is the perfect opportunity to teach them about saving or paying yourself first, spending, and giving. So make sure a portion of the paycheck goes into savings. While it may be a little early to teach saving to create passive income, it's never too early to save.

4. Now for the next step, teach your child to give to charity or support a cause. Again the amount designated for charity will be up to you, but we recommend a minimum of 10%. As your child will learn, giving and receiving are closely intertwined. How often are they asked to raise money for a school event or project? Having a charity account within their allowance will give them a sense of pride knowing that they can make a direct impact. If school fundraisers aren't their thing, let them chose where they want the money to go, there are endless charities that appreciate any support.

5. The remaining money will be the child's spending money for the pay period until his or her next allowance. Whatever he or she has to spend, don't supplement it if they run short. If they run short, this is the perfect opportunity to review budgets, as well as generate financial solutions that avoid debt.

6. The last step is to help your child track his or her spending during this period. This will help him or her to learn finance for children and how important it is. By tracking this information, your child can see where he or she is spending the most money and make changes if needed to ensure the allowance lasts longer. Or better yet, create ways in which they can use their money to create additional income. Work out a deal where he can rent the lawn mower to mow neighborhood yards for extra money. Or buy lemonade mix and run a lemonade stand to double their profits. You get the idea, we can learn just as much from our children when we help them learn to not only manage their finances but be creative in generating income.

By following these steps, you can teach finance for children by saving, spending, and giving. Remember, if we start early, and establish a strong foundation, when our nest is empty, a debt ridden birdie won't be coming back. It will be your child whom you taught to bring home the worm.

Nick Lubbers is one half of The Minivan Millionaires, experts at maintaining family balance while being full time entrepreneurs and parents. They invite you to join them as they provide helpful tips in achieving Family Freedom at: http://theminivanmillionaires.com/

Why Do You Need to Invest in Your Financial Education?

2012-10-18T15:46:00.000-07:00

Wikipedia defines financial literacy as the ability to understand finance. More specifically, it refers to an individual's ability to make informed judgement and effective decisions based on sound financial knowledge and understanding.

Our school system was designed to train employees for the industrial age. No wonder you were not taught how to handle your money and make wise financial decisions. Most financial knowledge comes from your own experiences (either good and bad) and your close ones like your parents, friends and relatives. You invest in 401K or RRSP and diversify your mutual fund portfolio because that's what other people do and you don't know any other investment options. It becomes a serious problem during the economic downturns. While many people saw their lifetime saving shrank dramatically from the last global financial crisis, some with a solid financial education became richer than ever. You wonder how they made it.

It is time to invest in your own financial education. It is time for our school system to adopt financial education into the curriculum of high school and college/university. Because a sound financial education gives you an unfair advantage to those without.

In his best-selling book "The Conspiracy of the Rich", Robert Kiyosaki lists four basic investment categories (business, real estate, paper assets and commodities) and says a sophisticated investor invests in all four categories to achieve true diversification. If you have only one source of income (e.g. "Job", "self-employed"), no matter how much you earn, you are vulnerable to any financial instabilities. You need to have multiple sources of income. You need to have more than one investment vehicle to build and protect your wealth. You may ask "Sounds great but where do I start?" Well, the best and the quickest way to success is to learn from those who have been successful. In this section, you will be introduced to some of the most successful and influential investors, entrepreneurs and financial educators of our time in North America. So fasten your seat belt and let's explore their world.

Robert Kiyosaki -- author of Rich Dad Poor Dad, is an investor, entrepreneur, educator and New York Times best-selling author. His financial education book series Rich Dad Poor Dad has been translated to over 100 languages and sold more than 26 million copies world wide. He also created the educational board game Cashflow 101 to teach individuals the financial and investment strategies that his rich dad spent years teaching him. Robert Kiyosaki's perspectives on money and investing are different from traditional teaching. The old beliefs of getting a good job, working hard, saving money, getting out of debt, and investing for the long term are obsolete in today's world. Robert Kiyosaki's teachings focus on generating passive income through investment opportunities, such as real estate and businesses, with the ultimate goal of being able to support oneself by such investments alone. Some of Robert Kiyosaki's bestselling books:

Cashflow Quadrant: Rich Dad's Guide to Financial Freedom by Robert Kiyosaki (1998)

Find out which quadrant you belong to, why people from different quadrant think and react differently and which path to take to achieve financial freedom. Download Notes taken from Cashflow Quadrant.

Conspiracy of The Rich: The 8 New Rules of Money by Robert Kiyosaki (2009)

If you are still in the mentality of having a secure well-paid job and counting on your mutual funds to retire you comfortably at age 65, you need to read this book. In this book, Robert Kiyosaki shares his view of global economics and explores why people are finding themselves challenged by these turbulent times. If you are worried about or were hit by the last financial crisis, you want to be prepared for the next one. Notes taken from Conspiracy of The Rich.

Michael Maloney -- To escape the rat race, you not only need to build wealth but also need to protect it against inflation and financial downturns. Gold and silver serve such purposes for hundreds of years. If you are interested in investing in gold and silver, you've got to learn from Michael Maloney, who is Rich Dad's advisor. Michael's book Guide to Investing in Gold & Silver presents a historical view of economic cycles, money history, gold and silver, fiat currencies, and the Federal Reserve in an easy-to-understand way. It explains how the US government is driving inflation by diluting its money supply and people's purchasing power, why to invest in gold and silver, and how to invest in gold and silver. Through the lens of the history, you know where we stand today and how to prepare for our future.

You will find updated news and analysis on gold and silver investment from Michael's website goldsilver.com which attracts hundreds of visitors daily. You can purchase gold and silver online through his website.

Robert G. Allen -- a Canadian born financial author. Some of his best-selling books are: Multiple Streams of Income, Creating Wealth and Nothing Down. He has helped tens of thousands of people achieve their financial goals with his books and seminars. His Multiple Streams of Income covers the topics such as stock market, real estate, tax liens, network marketing, internet marketing, etc.

Robert Allen reveals the secret formula for extreme networking marketing success through his 14-page eBook "The Secret Formula For Financial Prosperity".

Don R. Campbell -- Canadian-based real estate investor, author, and market researcher. Formerly worked for Sears back in early 1980, Don achieved his financial freedom through real estate. He is the president of Real Estate Investment Network (REIN) which one of the largest organization of its kind in Canada and has more than 15 years history. To be a REIN member, you need to fulfill a 17-month membership obligation. The monthly fee is relatively high to some people but the information on Canada's most current real estate market and education you will get are worthwhile. If you are new to real estate, it is definitely a good starting place and save you many trial and error.

If you are interested in Canadian real estate investment, Don R. Campbell's best selling book 97 Tips for Canadian Real Estate Investors is a must for you. It offers Canadian specific content and advice that are relevant to Canadians.

Chris Martenson -- a trained research scientist, and a former Fortune 300 VP. His free video series Crash Course gives a clearest and most straightforward explanation of how our economy, energy systems and environment interact -- how we got to where we are today, and some reasonable expectations for the future. Chris sends out the same message Robert Kiyosaki has been teaching over the years -- the next twenty years are going to look very different from the last twenty years.

Stay tuned. We will continue introducing some other successful and influential investors, entrepreneurs and financial educators of our time through future article submission. We highly recommend you invest your time in your financial education and personal development. As an old saying goes, "Success is not something you pursue; Success is someone you become".

To search other high-value added research articles written by Oliver Gu, please visit Oliver's website at Business Training | Business Marketing
Marketing Training | Internet Training

Let Financial Freedom Ring

2012-10-16T05:50:00.000-07:00

For most Americans, the month of July conjures up images of fireworks sizzling in the sky, back yard BBQs and the thrilling sound of patriotic songs; "Our country 'tis of thee, sweet land of liberty, of thee I sing." America was built on a solid foundation of freedom for all, with the additional caveat that all men and women were created equal. At least that seemed to be the original idea.

The word liberty refers to the state of being free from other's restrictions on how one chooses to live life. If we apply this definition to what we actually have today, we can see that there are millions of Americans who aren't free at all.

Being truly free generally requires that we have the information and tools necessary to create that freedom. And in order to create that freedom, it's helpful to have at least a basic understanding of how money works in society and the primary investment principles that are required to become free. In addition, a strong entrepreneurial spirit is almost mandatory these days if you really want freedom in your life.

Learning this critical information currently doesn't come as a natural right of being born an American, or a Canadian, or a Mexican or a Frenchman, etc. Financial intelligence, for some strange reason, is usually relegated to 'elective' status when it is as necessary as reading, writing and arithmetic. And often when it is taught, it's about budgeting and balancing checkbooks, not investing in passive income producing assets or thinking like a wealthy person. Heaven forbid, we teach kids how to become financially free when they're young instead of expecting them to spend 40-plus years in a job where they will hopefully 'accumulate' enough money to 'retire' at some point in their future. What if we teach kids the concept of financial 'utilization' instead; using their natural born entrepreneurial talents to create businesses that allow them to live amazing lives while helping others along the way? Gone are the days of a good, stable, secure job; here are the days of creating your own way.

At present, most of America's youth are not learning about money in school and the vast majority of children never learn about money at home. This is because most parents don't understand money either and those that do, for whatever reason, don't talk to their kids about it. The fact that such a small percentage of people actually understand the 'language of money' explains why the consumer debt number in America in 2007 reached an astronomical $2.5 trillion dollars, not including real estate mortgages. According to the Federal Reserve, $2,500,000,000,000 represents $8,200 for every man, woman and child that lives in the US.

Something happens when the numbers get this big. There's a shift in our ability to conceive it as real. It is one thing to owe someone $1000 but quite another when that debt reaches $100,000. The idea of adding another $100 to a $1000 debt causes most people to consider what they are doing. Adding $100 to $100,000 worth of debt often doesn't raise an eyebrow.

It's a matter of contrast; the bigger the contrast, the smaller the perceived reality. This is exactly what's happening when Americans view our national debt: the numbers are SO big that you just can't wrap your head around them. It's kind of like thinking about the Universe; our brains short-circuit and shut off.

So what do we do? Well, in my opinion we must start educating our youth about money. I believe the more we educate, the less we must legislate. How do we do this? I have three simple things that, if done, will yield amazing results for our nation's financial future.

First and foremost, we must set a better example for our youth, from mom and dad all the way up to the highest branches of our government. Children learn first by example and they learn by example in three primary ways: by what they SEE; by what they HEAR; and by what they EXPERIENCE. Bottom line: start watching what you and others are teaching your children about money by what they see you doing with it, what they hear you saying about it and by the experiences your kids are having with it.

Second, talk to your kids about money. Just like sex and drugs, if you don't talk about it, you have no idea what they are learning, or from whom. We all have to get over the idea that money makes us who we are. Money is simply a tool to reach our dreams, help others and do good in the world. Money doesn't make you happy, pretty, sexy or cool. Money generally just makes you more of what you already are. If you were greedy when you were poor, chances are you'll be more greedy if you become rich. If you were generous when you were poor, chances are you'll be more generous when you're rich.

How do you bring your kids into the 'family money conversation?' Simple... just start talking. Let them help you pay bills online and write checks, balance the checkbook, work on the family budget. Let them tag along when you visit your financial planner. Invite them to work with you or give them a job in your business. Talk to them about your paycheck and taxes, your investments, your debt. Yes, I said your debt. What better way to help them learn about debt than to experience the pain around it. Don't shelter them. Show them. Let them see that money is just another tool we all have to learn to use wisely. Make learning about money a family affair. Show them what it takes to be an adult who is working towards self-reliance and financial freedom.

Third, give your kids practice with money before they move out and their mistakes cost them dearly. College students are dropping out with huge amounts of debt. Some are even committing suicide over the debt they accumulate. For the most part, teens don't have the maturity or necessary knowledge to handle their own finances. This includes all the credit card offers they are tempted with, the high cost of living and competing with their peers in terms of clothes, entertainment, vacations, phones and more.

Financial practice must start early and you must have a system. The Ultimate Allowance is one such system. This book is the result of teaching thousands of kids and their parents about money for the past seven years. It shows you, the parent or guardian, how to run the money that you're spending ON your kids, THROUGH them instead.

Consider this example: If your son or daughter came to you wanting to grow up and become a major league baseball player but you never gave him or her a ball, a glove, a bat, time to practice, a place to practice or heaven forbid, THE RULES, what's the chances of him or her accomplishing the dream? Slim to none. This is exactly what we're doing with our children. We MUST start teaching them how to think like, and make decisions like, people who value financial freedom over Piddlycrap.

What's Piddlycrap? Just look around your house and you'll see it everywhere. It's the stuff we waste our valuable financial resources on every day; the stuff that goes down in value instead of up. The stuff you sell at a garage sale for pennies on the dollar. It's the stuff that takes money out of our pockets instead of putting money into them.

Parents, your number one job is to prepare those beautiful kids of yours to be self-reliant ~ and loving them is not enough. This means you have to:

1) set the best example you can;

2) talk to them about everything money; and

3) give them plenty of practice while they're young.

Doing these three things will dramatically increase your chances of successfully turning America's children into resourceful, financially free leaders who will make this country's economy strong again. And isn't this what all parents want?

In 2002, I dedicated my life to teaching our youth, and their parents, the basic financial principles I never learned in school or at home. I have taught many different races and cultures, genders and ages and, everywhere I go, I find people want to learn the same thing. They crave the knowledge they need to know how to make informed choices and decisions that will help them create a sense of freedom for themselves.

Isn't that what this country is all about? Isn't that where we started; a desire to be free? Isn't that what Martin Luther King, Jr. was willing to give his life for? Isn't that what this nation stands for?

Let's make financial literacy mandatory in our schools and financial intelligence a sought after value. It's time everyone had access to the information and tools they need to create real freedom in their lives. Join me in this mission, won't you?

Teach your kids about money using The Ultimate Allowance system, available at http://www.ultimateallowancebook.com or visit me at Creativewealthintl.org or give me a call at 805-957-1024.

Elisabeth Donati
Author, The Ultimate Allowance
Creator, Camp Millonaire
elisabethdonati@gmail.com

Downline Building Network - How to Triple Your Network With Google AdWords

2012-10-14T04:45:00.000-07:00

Downline building network can be done through several methods like advertising your business in PPC sites and Google AdWords. Right now, one of the most famous tools when it comes to garnering leads and downline building network is through the use of Google AdWords because in this manner you can be certain that all those individuals who click on your ads are the ones who are really attracted to your ads.

One of the first basic things that you will have to do is to identify which types and groups of people you want your ads to target. Once you are done figuring out about this, you are on your way to finding the suitable but reasonably affordable keywords that you can promote to your webpage on the Google AdWords platforms which will only cost you for about $40 cents per click. Being in the top 5 to 10 will not actually hurt your ads but rather, according to internet marketing, being on those spots will actually help you to maximize the clicks on your site. The key factor that you have to do here to attract large numbers of potential customers to help you in terms of downline building network is through the use of witty and convincing promotional headlines. With this, you will be amazed at how fast your site will rise from top 10 to top 1 position on the Google AdWords list.

The next step that you have to do in building downline network is to construct an opt-in folio wherein you can be able to transmit all the traffic that you receive. In this place, your clients should be able to receive free information about your products or services and the contents of this page should be persuasive enough to convince your visitors to sign up and avail of your services or merchandise that you are offering. Also, do not forget to place the link of the site that you are promoting, to make sure that you will appropriately get your commission.

Placing your ads on Google AdWords will not only let you create a downline building network, it will also give you the opportunity to earn huge amount of profits thus resulting to a financial freedom that you only once dreamed about. Unquestionably, this is the best way to have your investment returned to you at the fastest rate without you even knowing it.

Since Google AdWords is known for its good reputation and credibility, there is a 100% chance that a lot of people will trust your site to the point that they will wholeheartedly entrust their name and email to your care. The next sure thing that they will do is to avail of your services and products. It is very crucial that you realize the importance of Google AdWords when it comes to downline building network because if your webpage is not being visited by potential buyers very often, chances are, you will not accumulate profits. So, what is the sense of exerting your effort, time and money if your site is not successfully gaining profits?

Tired of downline building network and MLM programs promising you millions but leaving you with hundreds or even thousands less in your bank account? Get out of MLM and network marketing and get into marketing REAL products in customer hungry niches. Visit Better Lifetimes to get your FREE Quick start Guide to Internet Riches TODAY before they are all gone - go to http://www.BetterLifetimes.com now!

Free Internet Business System

2012-10-11T11:44:00.000-07:00

Everyone is searching for a free internet business system that they can set up at home and make gazillions of dollars before breakfast each morning in their jocks. Well there are plenty of those advertised out there but they all want lots of money to impart to you the holy grail of magic secret formulas. You have all read the adds, pages and pages long, as if by their sheer power of words you will be compelled to press that magic PayPal button and all your financial woes will be over. Buckets of cash will be flooding into your account within 24 hours and you will soon be living the life of the filthy rich.

Sorry to sound a little cynical but you tend to get that way after you have been bitten a few times. It doesn't make any difference how much you pay for the system it is no different. I have spent well over $10,000 to date with no results at all which means many of the programs out there are blatant scams or the only system for making money they offer is to convince others to buy the system off you. So that means they are making money but not from a legitimate internet program but the cash they earn is coming from us buying their worthless programs. I mean think about it. If the system that they are selling is so good then why do they need to sell it to make money.

No doubt there are some ways out there that you can make some cash or even a decent income but how do we find them without spending heaps. We could get into affiliate marketing through article marketing which you could do absolutely without cost. You need to find an affiliate product to sell and join the affiliate company selling it. That could be something as simple as Amazon's affiliate program. Yes you can sell anything on Amazon and they will give you a commission. You could sell digital products like those available on ClickBank and pay up to 75% commission or products from companies like Commission Junction. However, this market is very competitive and to get any sort of an edge you will need some coaching to get it somewhere near right. For instance, sites like this one do not allow you to link directly to an affiliate link so you need a website or landing page in between so it is getting complicated already.

If you want to get into pay per click advertising to sell an affiliate product you must be very careful with your maths. Because you pay for every click to your add you can run up a lot of money and if all those people who are clicking are not buying you are down the tubes very quickly. There is another science here in learning the tricks and formulas to be successful which makes it all very complicated again. The average sale per click can be as low as 1% which means for every 100 people who click on your add only 1 will buy your product. So you see that you can easily spend far more on advertising that you can make on sales which is not a good formula for a successful business.

The good news is, all the information you need to start and run any internet business is already out there free on the net. Just do some Google searches along those lines and you will get all the education you want. Don't pay for it because it is all free for the taking. However, if someone can put it into a system for you so it is easy to understand and get started then it may be worth some cash. If they have already sifted through that free information and arranged it into an organized money making system you may be tempted to have a look. But that takes us back to where we started. How do we pick the right one with out wasting our money again. That is the quandary. Some have a system put together where they have managed to get that sale rate up to 50/60%. That is 50/60 sales for every click on your add. That is more like it. If you combine that with free advertising you can be racking up $100 days in no time.

So, what is my advice here. If you want to learn about basic and advanced internet market there are plenty of free tools available out there just for the searching. If you don't want the hassle of having to learn all that stuff and can do simple stuff like copy and paste say, then search for someone who has got their click through rate up to at least 50%. Then you want to be able to just copy and paste their pre-written adds into free advertising sites. If they can produce a system similar to that where you can spend an hour or two each day posting adds and see a few hundred each day for your effort then you may be on to something. Don't pay any more than say $50 for something like this and it may be worthwhile.

You are going to need to do some searching on Google for internet businesses and sift through them. That could take you a while but just go for a company with the features I have outlined. That way you have more than half a chance of making some real cash. Once you get started then you have seed money to upgrade to whatever level you feel comfortable with. There are some sites out there who will help you get going absolutely free. Just start searching. Internetmarketing.com is one who has lots of free tips and education.

Hi Guys,

There is a free Ebook here which will show you an easy copy and paste way to your first $100 day system.

[http://www.copy-and-paste-money.com]

Will the Public Ever Learn They Need to Be Financially Educated?

2012-10-08T16:11:00.000-07:00

It's very important to place the need for a financial education today in perspective so people understand and appreciate the conditions most of them, knowingly or unknowingly, are dealing with as they try to accumulate wealth in our financial system. Hopefully, the events of last year's market crash and the ensuing bailouts have shown the public how the consumers are repeatedly screwed by the Wall Street, political and regulatory elites, better known as the 3 ring circus.

In truth, this 3 ring circus is only interested in their corrupted ability to manipulate the system to line their own pockets and give them more power. They could care less about the public they are supposed to serve.

Nothing illustrates this point more dramatically than our present worldwide financial debacle and recession caused by the 3 ring circus and yet they are the major recipients of the TARP bailout money, not us the taxpayer. In both directions, they've made billions & everyone else lost big time.

Look back in history, our country's financial debacles have always been caused by the 3 ring circus but the public's losses in 2008 were so huge - trillions of dollars - that this time, they destroyed the trust and integrity so vital to the financial service industry. There is no doubt that a hands-on practical financial education is necessary and a better way to insure against such massive losses in the future due to one amazing fact.

When you combine the constant corruption and self dealing of the 3 ring circus with most people's deplorable lack of a practical hands on financial knowledge and education, it makes the public highly susceptible to the continual bad advice and poor performance of the big Wall Street firms and most financial planners (who are nothing more than glorified salespeople) with their hidden agendas, conflicts of interest, self-dealing and high fees designed to line their pockets and not yours. Only now are people finally realizing this and firing their financial advisors in droves while searching for a better alternative.

Well, a practical, hands-on financial education is certainly a better alternative and a cleaner, more cost effective way for the consumer to become money and investment smart. Nothing is comparable to this type of education as it instills the confidence and knowledge to take control of one's finances thereby preventing the consumer from being taken advantage of by the Wall Street boys and most financial planners with their hidden agendas.

Such a financial education should provide its students a reliable source to receive the necessary financial education and knowledge, from the most elementary to the most sophisticated, which allows them to control their finances, get out of debt as quickly as possible, and become money and investment smart. This financial education should further allow a student to know how to constructively use experts in every area of financial planning from the legal, tax, business, asset protection and investment arenas. This should then be done totally free of the high fees, middlemen, conflicts of interest and self dealing so prevalent in the financial service industry today. A financial education student should be so armed to be able to determine that he or she is in fact going direct for any one of these services.

Most investors have a "fellow the herd" investment mentality and have been perfectly content depending naively upon Wall Street to be responsive to their needs. Even many multi-millionaires have been guilty of the same mentality but are now actively seeking advanced financial education and investment avenues so they can be first in strategic investment opportunities. On the other hand, many less well off individuals drowning in debt are seeking the necessary financial education to help them be debt free in less than 15 years, including their mortgage. Therefore, these needs must be addressed by any well thought out financial education curriculum. Heaven knows the type of financial education curriculum this article has been addressing is long overdue.

Harley Hunter is an accomplished 40 yr. financial consultant, innovator, entrepreneur and CEO, Elite Wealth Plan. If you found this article disturbing and want to know how you can protect yourself, claim your free e-report "Discover The Fortune That Lies Hidden in This Economy" available at:=> http://www.elitewealthblog.com

How Generational Changes Can Help Save Our Economy

2012-10-05T21:55:00.000-07:00

This article is something for America to ponder. If you don't agree, make changes or state your own solutions that we can all ponder, but please don't wait for Congress which created these problems by putting their Aristocracy and hunger for power before America's well-being. A Congress that seems to be more loyal to political parties than to the United States of America has caused all of the problems America is now facing. The question is who will offer solutions we can ponder.

1. Legalize drugs. I know, before you go crazy just listen for a moment and ask yourself some questions. First of all, more people die from legal pharmaceuticals than any other drugs in the world. All you have to do is see the commercials on television and listen to the side effects that include death, stroke, heart attack, cancer and much more. Google LEAP (Law Enforcement Against Prohibition) and read what the professionals have to say; judges, prosecutors and police officers. The benefits of legalization are many; reduced cost of incarceration; reduced cost of law enforcement; the gain in taxes; and crime on our borders and in our neighborhoods cut by at least 70%. Opponents of legalization say it will only bring in 15 to 35 billion. Law-enforcement and incarceration savings are not included in the conversation. What also isn't included is how much money and taxes can be made by the hundreds of products the hemp plant alone can produce, like clothing, paper, medicine, rope, silk and much more. At one time General Motors thought of mixing hemp fibers with plastic to make a stronger automobile body. I don't know if they went through with it, but it was one good idea amongst many. Legalizing drugs also takes the 'forbidden fruit' aspect from our youth and brings the effects out in the open so parents can point to those effects and say, "Don't be like that". We can make sure anyone giving an adolescent under sixteen drugs without their parent's approval will get an automatic five-year term without parole. A second offense will be a ten-year term without parole, and a third offense will be a twenty-five year term without parole. Keeping drugs illegal creates crime-lords and killing just like in the Al Capone days, and those innocent folks were smart enough and had enough that they amended the Constitution. Illegal drugs foster crime and creates billionaires who can then buy politicians, judges, prosecutors and police officers. Take the money out of drugs and you reduce crime and corruption.

Another benefit of legalizing drugs is stopping private prisons. Right now there are companies that run for-profit private prisons that trade on Wall Street and they are constantly lobbying Congress to make more things against the law so that they can make more money for themselves and their shareholders. Now that's a crime or should be a crime. Read what our Forefathers said in the 1700's when some folks wanted alcohol made illegal. They said not to prohibit anything because only ten-percent of the population will imbibe, rather they said to tax and control the 'sins' of man. Abraham Lincoln said the same thing. Drug addiction is a character and medical problem. It can be fixed if we use some of the money made legalizing it to do two things: One, create rehabilitation facilities; and two create advertisements like we did for cigarette use and I'll bet you in one generation drugs will not be a problem in our society. Don't you think it's ironic that pharmaceutical companies sell drugs that can kill you, yet a person who wants to smoke marijuana goes to jail and their life is ruined? Afterward it's hard to find a job and they can lose their voting rights. Yet we subsidize pharmaceutical companies with our tax money so they can put more drugs with killing side effects on the market. Just how stupid are we? And why do we let our American Royalty, the Congress, get away with telling us how to live. I thought they worked to serve and represent us, but oh my God, the hired help has taken over the house, weakened the foundation, and is getting ready to demolish it and tells us it's our fault and we must pay while they live high on the hog. Have we had enough already? Let's have an adult conversation without any of the fear tactics. Take the illegal money incentive out of drugs and reduce crime while taxing and controlling production and usage. We can save one billion a year on prison and law enforcement cost and make another billion on tax and hemp products. That's two billion a year and twenty billion in ten years. Hemp also has many medical purposes and the side effects won't kill you like some of the drugs pharmaceutical companies sell. Opponents say hemp is a gateway drug, that's like saying mothers breast milk leads to beer drinking or having sex leads to rape. Just another fear tactic to keep us from having a useful and adult conversation because illegal drugs is our hidden economy that brings in billions of dollars a year for drug king-pins and law enforcement. It's time to legalize drugs, reduce crime and make the billions of dollars to pay down our National debt. What do you think? Start screaming and shooting, I'll duck.

2. This one is a generational change that will cost money but payback great dividends in years to come. Bring back the draft. But make it a voluntary draft. First we roll Americorp from the Clinton Administration and all like programs from other Presidents into the Peace Corp; then we make the Peace Corp a cabinet position to show the world we take peace seriously. The Peace Corp will have an international and a domestic arm and any person between the ages of 18 and 26 who will serve four-years in the Military, Peace Corp or the State Department will get a free four-year college education or a couple of two-year degrees at a two-year college or four one-year certificates at one-year technical schools. If someone over 26 wants to serve we choose by health and education. Just imagine our Military having cooks, electricians, plumbers, heavy equipment operators instead of contracting it out to companies that don't have any skin in the game and just want to make a profit from war and our heroes dying. Even in the Peace Corp young folks will learn a trade that will last them a lifetime. We will produce many skilled workers with this one voluntary draft. Please don't think it won't work, because many young folks will gladly volunteer in the Military, Peace Corp or State Department to serve their country, learn a trade and get a free college education. We will be building an educated work force for generations to come. The benefits gained are well worth the cost. Plus we will be giving our children something we had when we were younger and that is a rite-of-passage and a pride in serving, something that is missing for many of our youth today. Remember, this draft will be absolutely voluntary and the benefits enormous to our future workforce. With the added benefit that it will cost less than any Government contract with any company that tried to compete, because we will have an educated workforce with the pride of serving, and you can't put company profit ahead of that. But you can put a generational and National profit on our youth serving while learning a useful trade. Bring back a voluntary draft, watch our country and our youth blossom, and be ready to compete in a global economy and win.

3. This fix is both generational and political. First, we offer 250 billion dollars to the first company that comes up with a three stage clean energy fix for both transportation, which includes trucks, cars and airplanes, and a clean energy fix for buildings and houses. The first stage must be an economical way that can be adapted to our cars and trucks today. The second stage must be an economical way that we can adapt it to our buildings and houses. The third stage will be a complete change for future products. The Government will match the 250 billion dollar reward with 250 billion dollars in research and development. We will use the money left over to help adapt stages one and two. Imagine the money and lives saved. Over one generation we will have saved the amount it cost us to do this and the United States Government will own at least 10% of all profits from this energy fix. That will sure cut into our taxes and our National Debt. Now the political part of this is our American Royalty, the Congress, they will never go for this because they make much of their money from energy dealers and energy lobbyist who write the laws that wrong the people and kill our troops, just to keep their power and Aristocracy. Have you ever counted how many Congressional persons and Senators are now millionaires or billionaires, but when they entered Congress they weren't worth much more than three hundred thousand dollars? How did they do it on $170,000.00 paycheck? Now is the time for an Energy Manhattan Project. Because if we can go to the Moon in ten-years I imagine we can be energy independent in less than ten-years with today's technology. Please, let's do it now because it will save lives, invest in our youth and create jobs; and just imagine how strong our country will be in just one generation.

4. This last fix I wanted to talk about was health care, but I didn't want to make the same mistake Obama made when he should have been concentrating on jobs. This fix is about education and putting our school age kids to work. But it will behoove you to research the top ten Veteran Health Care Facilities in the United States. Each patient has a team doctor, a team nurse and a team administrator. When a veteran goes to the lab for blood test or x-rays, within two-hours the results are on the doctor's computer. The VA gives some of the best health care in the world at a very reasonable cost. I will go into the cost savings using the VA system at another time because we should model our healthcare system after the top-ten VA hospitals, but that is for another article. Now I'd like to speak about our school age children going to work and how it can help families and corporations. My proposal is simple and will give children the impetus to help their family and the incentive to do better in school. Why? Pay every student for every grade ranging from A+ to C-. Every gas company, electric company, water company, insurance company and mortgage company will pay every child in every family one dollar for every C, two dollars for every B and three dollars for every A, whether those C's, B's or A's are plus or minuses. Of course each company will be able to deduct a tax write-off dollar for dollar. Imagine if Sears, J C Penny, Walmart or any other outfits got into the act by offering coupons. Imagine the pride of the children going to work and being able to help their family financially. Because now a family with four children whom each get six A's can write-off seventy-two dollars from each of the five companies mentioned above and save $360.00 for the month. And the great thing is the companies can write-off that $360.00 from their taxes. Children will learn the value of a dollar and the pride of helping their family. And most of the savings will go right back into the economy. Imagine if companies were patriotic enough to get on board and make it happen. Ah, the American dream isn't lost, just delayed by fear. How scared are you by your Congressperson or Senator? Will you write, email, call and generally raise hell until Congress institutes some or all of these fixes?

Please ponder these solutions. Make changes if you can improve on them or use them to create your own solutions. But get involved and contact your Congressperson and / or your Senator. Don't let politicians divide us and have Americans hating and fighting other Americans because of our political views. In the end we are all Americans and in the same boat. Let us not have name-calling without proposing solutions. Loyalty to America before loyalty to party is the solution to almost all of our problems.

Tom C. Watson is the founder of The Bunny Brigade. Tom uses this site as a means of dedication to support the reinstating of the original concepts as depicted in The Constitution of the United States along with its Bill of Rights. Tom also suggests that the federal government should stop over regulating business as well as eliminating of federal deficit spending. The site features Benny The Bunny and the site tells about the founding of the bunny brigade organization. The Web site also addresses solutions to fixing the nation's ills. Lastly, the site's author also has produced free bunny videos that you may view. Please visit the bunny site as often as you desire. It is located at http://thebunnybrigade.com/

Help To Boost Your Immune System

2012-10-03T21:35:00.000-07:00

We are constantly bombarded with information about vitamins, supplements and complementary health ideas. Whether we act upon that information or not is a matter of individual choice. Some people are more health conscious than others. We have our own individual attitudes on the subject and prioritize complementary health accordingly.

Whether or not you are proactive in terms of promoting your own good health and wellbeing, I am sure that almost everyone would like to be fit, healthy and well. Like everything else in life you no doubt weigh up how you want to be versus the cost of achieving that goal. When I say cost I do not simply mean the financial implications; I am including time, taste, energy, effort and every other element involved.

When contemplating the cost versus reward equation it is inevitable that the majority of people end up actioning the things that seem the easiest to incorporate into his or her lifestyle. Many things that could be done to help boost your immune system end up getting overlooked or ignored, if only for the simple reason of lack of time to research what could be done.

One very simple thing that everyone could do to boost immune system functioning, at little or no cost in terms of time or of a financial nature, relates to how your mental processes affect your body. There is a constant two-way flow of information between your mind and your body.

The two are inexorably linked. Just as a physical ailment has the power to affect your mental and emotional equilibrium, the same applies in reverse. Your body reflects your thoughts. Thus a very simple thing that you could do is firstly to become alert to this fact and secondly to choose to intentionally direct your mind to promote good health in your physical body.

One very powerful thought that you could affirm to yourself upon a daily basis is that of turning up the thermostat that controls your immune system. You can in this way give your immune system a mental boost. This is incredibly simple to do and doesn't cost you anything at all. Although simple to do, this "treatment" has an incredibly powerful reach and the positive impact can be truly amazing.

This mental boost to your immune system can be made even more powerfully effective when used in conjunction with hypnosis. Hypnosis is a natural state of relaxation that at the same time allows access to your subconscious mind.

Your subconscious mind is the part that acts automatically and instinctively and you draw from this part of your mind every moment of the day and night without even being ware of it. To listen to a hypnosis recording that is designed to boost your immune system is again very simple to do. If you were to do this at night as you fall asleep it wouldn't take any time out of your day and would also most likely ensure a great night's sleep as well.

Roseanna Leaton, specialist in hypnosis mp3 downloads for health, including help to boost your immune system.

P.S. Discover how you can relax and focus your mind with hypnosis. Grab a free hypnosis download from my website now.

Grab a free hypnosis mp3 from RoseannaLeaton.com and check out her library of hypnosis downloads to help boost immune system.

The Many Benefits of Investing in a Home Security System

2012-10-01T02:59:00.000-07:00

In these tough economic times, Americans are being forced to dig deep into their pockets to afford even the basics. What may have once been considered a small luxury - a Sunday afternoon pedicure or a Friday evening movie - is now becoming an unaffordable frivolity. In light of the recent economic downturn, Americans are choosing to forego many costs, ranging from food items, to hobbies, to travels.

One area in which we cannot afford to skimp, however, is that of home security. Our lives and personal well-being have no price tag, nor do those of our families. Our safety is too important an issue to be ignored. Home security is too beneficial to be foregone.

First and foremost, the installation of a home security system renders us more secure. Potential intruders may decide against breaking into a home if they see that it is protected by an alarm or other security system, unwilling to take a risk. A simple window sticker advertising a home security system may ward off potential criminals and prevent a crime from ever taking place.

That said, even if a thief or attacker ignores the warning and enters anyway, those within the household will be alerted and will have a better chance at self-defense and escape. Many home security systems alert emergency services as well, meaning that a police officer will be dispatched almost immediately after an alarm has been activated. These features of alarm and security systems have the potential to save lives.

Home security systems not only help us to literally be safer, but they help us to feel safer as well. Simply knowing that we have done all that we can to protect ourselves can help us to sleep better at night, to concentrate more on our work and to further enjoy our time with our families. The sense that we have done something to take our safety into our own hands is empowering. Moreover, other members of our households will be more at ease at well. A live-in parent or grandparent may feel relieved by the ability to call for help in case of a fall. A small child will be less fearful of a stranger coming to take them away.

Investing in a home security system has two very different main benefits - one residing in reality, and the other in the mind. Security systems are something we cannot go without whenever financially possible.

Furthermore, home alarm systems are becoming increasingly affordable. Companies that specialize in such apparatuses offer a wide range of options and prices, meaning that the investment in a system of some type (even if that system is as simple as an extra lock on a door) is accessible to most, if not all, Americans.

In these tough economic times, feel free to skip out on movies or vacations or trips to the beauty salon, but don't leave all thought of home security behind. Such a mistake could be the most costly of all.

Home security is too important an issue to ignore. Allow the experts at adt home security to explain to you the benefits of installing a home security system.

Only 3 Percent Achieve Their Goals - Would You Like Help With Yours? Here's a New Strategy

2012-09-28T19:44:00.000-07:00

Only 3% of people who set goals, they say, achieve them. Did you ever wonder why? I did.

Unless you're part of the 3%, we, the other 97%, have often made New Year's resolutions and, a year later, we may have achieved one of our goals or maybe none at all. It was fun setting them but, soon, job, family and personal life just got in the way. We come to January 1st of the following year, and we started again. Or we decided to take a course in setting and achieving goals. We take the course. It's exciting!

During the course, we were taken through a series of exercises and, by the end, here we were - all of our goals set - SMART goals - specific, measurable, attainable, realistic and timely. Finally, a system and finally we have it all down on paper - financial, health & fitness, family, relationships, business, fun time, contributions, business - phew! What a list! But, hey, we have the system - we've spent the time - this should be it!

Well, the course and the system helped. But... what went wrong? Did every day life get in the way again!

But, nonetheless, every year, we are reminded that SMART goals work. So we try again. And again. And again. We get close and sometimes we get partially there or achieve one or two -

Here's a new strategy to try - it's a system I've designed from a time management perspective. It's a twist and we all know - sometimes that's all it takes - just a twist on an old idea to make it new, real and workable.

This is what is has done for me:

clarity
focus
reduced the stress and pressure
success day after day
concentrated effort
evolution of an idea
progressive achievement

Give it a try - it's free - all you need to do is visit my blog and put your name and email address in the box on the top right-hand side of the page.

Try it - you might like it!

My experience has been garnered within many types of industries. My forte as a consultant is in designing and implementing organization appropriate systems and procedures to effect positive changes in efficiency, effectiveness and productivity. Along with my consulting practice, I offer personal coaching and workshops.

Please visit my blog about time. There are tips and advice on time management, articles and some food for thought. http://www.wizetime.com

The Financial Journey Less Traveled

2012-09-26T12:47:00.000-07:00

Today's financial economy is such a mystical, intangible atmosphere of banking, mutual funds, stocks and bonds and the mainstream 401k that no one seems to know where to turn for answers and solutions that will allow them any sort of stability with respect to their financial picture. We have proven that our current state of turmoil in virtually all sectors of our economy are challenging our belief systems about how Wall Street, the government and influential power centers like the FDA, Pharmaceutical, media and banking cartels operate. With all the sensationalism in our media about the Recession, the money problems, unemployment and the current oval office woes, how can anyone feel confident in what lies ahead? The bottom line is that most Americans feel so isolated in their own little world, especially when it comes to an emotionally intense subject like their money, they are appetent for knowledge, answers and some much needed guidance as to what's next?

To look forward with a new set of eyeglasses we must first scrutinize the past to see clearly. With respect to money and all its nuances, there are some simple questions we must dissect in retrospect to begin to change our mindset, and its only then we can begin to ask a new set of questions of where to entrust our money. First, we must challenge the culprit itself. Our antiquated educational system may have worked in the industrial and technological ages whereby many sectors of the economy were hiring jobs to keep up with demand for new technologies but that model is no longer valid in today's Mega Information and Internet Commerce Era.

Aren't we proving daily with the unemployment rates hovering around 10%, the JOB (J.ust O.ver B.roke), top down mentality is not working? There is no stability in any sector of the corporate world, manufacturing or technology anymore with most savvy innovators realizing they can produce goods and services for a ¼ the cost in 3rd world countries. Virtual Assistants are springing up like wildflowers taking over the old school office manager or desk clerks. High Tech computers and advanced robotics have all but replaced the out dated human production lines and piece work. Why are we continuing to educate our leaders of tomorrow to go to school, memorize all the archaic books, go to college and memorize more books, give them 0 knowledge and education on Free Enterprise wealth creation, Entrepreneurship and overall money management tactics and tools, but we tell them to get a job and enslave them for life in the debt trap?

Secondly, why do we manipulate and control people's thoughts and ideals to give their hard earned money to a Broker or Planner? How and when was it ever perceived that a guy in a fancy suit can take better care of our money than we can? When did we ever teach anyone about such financial tools as a financial calculator for basic calculations pertaining to our everyday lives, passive income, residual income, debt based societies, cartel based economics or any other non mainstream but powerful information? Wall Street, the banking and credit card companies and their power centers have done a masterful job in enslaving us to a "money trap" that has become a way of life.

Thirdly, and probably the most important of all, what brainwashing entity told America that their 401k was a good, long term investment strategy? Why would any person with even the most basic financial knowledge ever believe that giving their hard earned money to a "system of cartel money crooks" would provide them security or freedom of choice? It's actually quite simple, if you never stop the hamster wheel, they will never see straight and their mind, body and spirit will always be circling in a maze of mistruth and manipulation! This is exactly what has been happening to America for decades and probably centuries with our current system of control and greed. When you have no control over your money, you have no choice, and when you lack choice you have no freedom, no freedom leads to despair and despair leads to anxiety, depression and isolationism and lethargic behavior. Sound familiar? The crooks are winning as of now BUT slowly people are awakening!

The Internet Revolution has created an entire new community of free thinkers, fed up corporate burnouts, home based business entrepreneurs and network marketers realizing the real key to any long term financial success is not an event of the individual investment itself, but rather a coterie of programs, systems and coaching in Free Enterprise that allow you the freedom of choice and a burning desire to figure out things on their own, instead of relying on their boss or personal enslavement of their time.

The secret is really no secret at all but when you are tied to a job or a "box of bewilderment" it's hard to see the forest through the trees. To change our situation we must ask different questions. The 1st one is quite elementary really. Why do McDonalds, Subway and Dominoes Pizza NEVER fail? You have never seen a Sale or lease sign on these buildings have you? Why? They have a system that is unparalleled and they can plug anyone into their drive through marketing machine and make a profit. They are NOT in the restaurant business. They are in the marketing, branding and real estate business. What is the 1st major sign you see when driving down the interstate looking for the next exit? They are masters at creating the imagery, signage for branding and positioning themselves in the industry as a leader and market dominator. Subway, after hiring Jared, became an iconic figure with respect to rebranding their entire model to a "healthy alternative to fast food". Dominoes Pizza will never be known for their fantastic pizza. They will forever be branded in stone as the market phrase, "Delivered in 30 minutes or less or it's FREE" dominators. The bottom line, systems prevail and people fail. People let their emotions and pre conceived notions drive their business, a well oiled machine and system will prevail every time.

This is the exact opportunity that exists in Free Enterprise wealth creation on the internet right NOW. It's not a single event like a get rich quick scheme investment, but a journey of empowerment and financial concepts not known to many. Coaches and mentors are replacing bosses and corporate hierarchies. The operate on a unilateral platform where everyone is treated equal and put into groups of their skills sets with personal mentoring for online success. The real power in an internet and home based business is the leveraging power of the internet. It's been stated that over 67% of all of our socioeconomic commerce is now done over the internet. People are desperately searching a way out of the debt rat race and we can provide the tools.

Another key component is networking with different people who think outside the conventional box. To increase your net worth, you must change your network. There are so many people making more in a month on the internet and home businesses with personal freedoms and choices than most executives make in a year. Why? The systems are designed to help each other realize their goals and dreams and leverage and harness each other's skill sets instead of working for dollars in the highest tax bracket possible in the employee model. If you have a model that is built upon leverage and helping people succeed online, you now have a formula that enhances the human spirit instead of smashing it.

Lastly, you must get mad. Turn that energy into positive energy seeking out knowledge about the Free Enterprise network and how it all works to benefit you. You have the power inside to change but you MUST be willing to do what others won't. Work as hard on themselves and their abilities as they ever would for a boss. Your new financial journey can be a sweet one if you tap into the power of coaches and mentors rather than entrusting your boss. If you are willing to do what most others will not, you can have what most others never will. Join us in the financial journey on the internet, it's a mouse click away.

Scott Lifer- Author, Internet Entrepreneur and Professional Speaker.

[http://www.wakeupcents.com]

Sharing Vs Selling - The System That Will Set You Free - Financially

2012-09-23T22:52:00.000-07:00

Wow, this topic is very important and critical to the success with any home based business!

There so many myths and wrong images of what happens to people interested in starting a business from home. People remember the 'good old days' of the door-to-door salesperson. Even though I doubt they were 'good' if you asked them to seriously compare 'back then' to how home businesses are typically run today! Many people have a bad image of those door-to-door salespeople, the professional telemarketer making those calls right in the middle of dinner or primetime TV. Or even a troubling image of the Avon lady you keep dodging who keeps trying to get you out to her opportunity meeting or get you to commit to a home party with friends you keep because they DON'T come to your home much!

I'm sure you can picture - or probably have experienced many of these scenarios. Most of us really do not enjoy these occurrences.

But here is the 'golden rule' we should all live by as home business owners: "We SHARE. We DO NOT sell!"

I assure that the fastest way to fail in network marketing is to become a Salesperson.

A go-getter, a super 'saleperson' will always rise to the top. They will easily become the cream that rises to the top. They always hit the ground running and start exploding with a group, bringing in people like crazy. They only have one gear - FAST and FURIOUS! In other words, when average people they recruit 3 to 5 people, they will quickly recruit 20 to 30 people a month! Of course this is GREAT news for you because it feels like you have literally hit the proverbial 'Mother Load'!!

Well, like Paul Harvey used to say... but let's talk about 'the rest of the story'! Shortly after the enormous growth spurt of about two to three months, many of those new recruits your shining star recruited will begin to fall off and become 'ghost' - no where to be found. Before long, as quickly as they all came in, they all will be gone.

The logical question will be WHY did this happen! The true logical answer is that their pattern of explosive growth is not duplicable. Our superstar has a charisma that cannot be duplicated or imitated by the team!

We want to develop systems that are duplicable. Systems that are line upon line, precept by precept, are the ones that will last and produce massive success. As long as someone can read, they should be able to follow the system. Good systems are designed with the mindset of being 'user friendly', They are set up where everyone starts off on a level playing field. There are no special skills or training needed. A good system will contain tools that will guide anyone from the first thing to do to get started all the way to being advanced and successful.

Most of us do not like it when people only approach us to sell us something. Yet most of us have been to a great movie and told a friend how great it was and that they should go. They SHARED their experience with them without feeling like that were being overbearing or intrusive.

Some of us can recall hearing about a great sale. We would think nothing of calling a friend or family member and SHARE with them about the sale so they can take advantage of it. The BIG difference with us sharing information we have learned with our family and friends is that the movie theatre never sent us a check to pay us for helping to spread the word. The stores never contacted us and sent us a check for sharing with our circle of influence that a sale was going on. As network marketers, we become the professionals that will be paid for SHARING! Yes, I said professionals. Home based businesses are just hobbies anymore. They are the hottest next trend of the business industry and when we approach our business as a professional, others will see us as a professional.

Professionals share. Amateurs sell.

Begin thinking of yourself as a 'professional promoter.' It is your own business and it becomes a win-win situation by sharing great information with family and friends AND getting paid for it! It becomes exciting to SHARE the business opportunity or product which will increase the quality of life for everyone.

Your only real responsibility is to consistently get the informational TOOLS out to as many people as possible because it is the TOOLS that will actually do all of the selling for you! It doesn't matter whether it is an Ebook, a CD, a DVD movie, a website or a brochure. They all will contain a presentation. They are your 'hands extended' to go to places you may not be able to go. The tools often will give a more polished, professional presentation about the opportunity. There is power in the use of tools... which SHARE information. Become skilled at using the tools to first do the sharing... and systematically begin to let the selling happen for you.

Never forget, you are not here to sell - but to share. You are here to share with the masses in order to find the few high achievers who are just waiting for you. They are the diamonds in the rough who are waiting for you to come and share the right opportunity with them.

After all, it still is all about working the numbers - sharing with the many -- to find the 3% to 5% winners who will see what you see.

Soaring To Success,

Dr. Vanessa Weatherspoon

http://www.soaringeagleschangein10minutes.com 469-358-5395

If You Lack Proper Marketing Skills To Attract High Quality Leads, Let Me Help You.

[http://www.fbsoaringeaglessecrets.com]