Financial Guide to becoming RICH

Easy Way to Become A Billionaire!

noreply@blogger.com (abu_muadz) — Mon, 12 Mar 2007 04:44:00 +0000

Age: 33

Fortune: self made

Source: Google

Net Worth: $16.6 bil

Country Of Citizenship: United States

Residence: Palo Alto, California , United States, North America

Industry: Technology

Marital Status: single,

Education: University of Maryland, Bachelor of Arts / Science
Stanford University, Master of Science

Age: 34

Fortune: self made

Source: Google

Net Worth: $16.6 bil

Country Of Citizenship: United States

Residence: San Francisco, California , United States, North America

Industry: Technology

Marital Status: single,

Education: University of Michigan, Bachelor of Arts / Science
Stanford University, Master of Science

With partner Sergey Brin (see), cofounder of searching phenomenon Google. Met Brin at Stanford while pursuing graduate degrees in computer science; dropped out, launched famed search engine in 1998. Raised $25 million from starmaker venture capital firms Kleiner Perkins Caufield & Byers and Sequoia Capital. Recruited longtime tech exec Eric Schmidt (see) to run company. Took public in 2004; stock up 420% since. Sales: $10.6 billion, net margin 30%. Extended reach into satellite mapping, online payment systems, news. Founders have seen their net worth soar 130% in 2 years, outpacing early years of Bill Gates, Larry Ellison. Both have more than $2 billion outside of Google stock. Promising to "do no evil" with their riches; plan to pour $1.2 billion into Google's charitable organization.

Easy Way to Become A Billionaire!
They are the example of billionaires. :) They got no. 26 in Forbes. Can we be like them?? Is there an easy way to become a billionaire? :) Actually becoming a billionaire is simple. If u do all the things I listed below, you can become a billionaire with a bit of hard and smart work. :)

1st of all you must "Think" like a billionaire. It is the most important part because your mind will control your body to act. So beginning with your mind is essential. If you do'nt begin with your mind your plan will go wrong even it is almost perfect. It's the same if you wanna be a rich or a millionaire too. :) Think like a billionaire means you must think the exact way a billionaire thinks. To do that, maybe you can read interviews with them, buy their books and learn from a billionaire in your town. Or you can also buy Donald Trumps book, How to think like a Billionaire.

2nd one is, to act like a billionaire. What we have in mind is to use big car, buy big houses, and live like a rich. That is wrong! That is the way they act now after they became a billionaire. If we do like that we will be poor faster than we think. LoL. "Act like them" means, when we make business or investing, do like they do. They must have some secret and they also have some kind of special skills that made them a billionaire. Always learn from ppl who have experience and it will shorten down our learning curves.

After doing those 2 steps, now you need to find an idea. An idea that can make a billion. :) You can learn from Google, McD, and many more big businesses all over the world. You can come with anything, product, services, or food and beverages, oil and gas, gold and silver, anything. But make sure it is a new idea that nobody in the world had starten it yet. So you can grow faster and bigger. :)

the final one is, to sell the idea with a ratio you can make yourself that can reach $1,000,000,000 . For example, $10 per product : 100,000,000 ppl which means $10 profit for a product that you can sell to 100,000,000 of ppl. Is it possible? Think about it. The world population now is 6 billions and still increasing. 100Milllion is only 2% of it. Ok maybe you find it a bit hard. So how about we increasing the left side of the ratio to make it easier. For example $1000 per product : 1,000,000 ppl. You see the number in the right is low now. :) And it is only 0.2% of world population. :)

Or you can think about it yourself. Like McD franchises, for example $50,ooo per franchise : 20,000 franchise owner all over the world. For example in real estate, it is always easier to become a billionaire, you can build your own buildings and sell it, maybe for a ratio $100,000 net profit per building : 10000 ppl. So you need to find an idea that can support this ratio. And if you can continue doing this all your life, maybe you will also be listed in Forbes one day. :)

So good luck for all of us. Think like a billionaire!!

Step Up!

noreply@blogger.com (abu_muadz) — Sun, 11 Mar 2007 13:59:00 +0000

A funny video I got from youtube.. :D It's about a famous real tv show The Apprentice where the candidates were always say step up! LoL.. See it for yourself..

It Doesn't Take MONEY to be RICH!

noreply@blogger.com (abu_muadz) — Sun, 11 Mar 2007 06:20:00 +0000

SUBWAY was started by a 17-year-old boy who have no money, to find some money out of nothing and pay for the college fees. Now you can find Subway all over the world with about 27,000 restaurants.

:) Do you believe in that fact? Well it is true but we always don’t realize about it. We always complain of not having much money to feed our family, or for our own expenses. And we have no idea on how to get more money. We tried to save our money in the banks, but finally we use it because we need to cover all of our bills, expenses and debts. Or, even if the money stays in the bank, it will become a loss due to the inflation rates the longer it stays in there.

We also tried to make small businesses such as MLM, or Home-based Business by using our savings as the capital, but they also don’t work. Even if we make money from there, we still feel it is not enough. Instead, we don’t have much time to spend for our family and friends. Then we heard about some interesting offshore investments with a big profit but also need a big money or FOREX that can be easily done in the internet. We also join that and spend all of our savings but in the end, it also doesn’t make us rich. What is the problem that we can’t detect which is holding us from being rich?

You can also see a man with a high paycheck but actually he is also not rich. They only look rich in the appearance by having big cars, big house, smart looking business suit, etc but the truth is, all their paychecks are used to pay all the bills and debts behind the good looking “assets” they have shown us.

A man cannot be considered as rich if they get $20,000 paycheck every month if their expenses are $21,000. All of these examples show us that money CANNOT make us rich. So what will make us rich??

It is almost no money needed to make us become rich. What we need to have to be rich is..

1. Desire. Our desire and willingness to become rich and it is in our heart. If you have no feelings to become rich, and you like the way you are living now with all debts around you, for sure you won’t get rich.

2. Brain. But desire itself won’t make us rich. You also need to think about how to become rich. And it’s your mind, your brain that we are talking about. Our brain is the best thing that God had given us, so use it wisely.

3. Knowledge. But thinking itself also won’t make us rich if we don’t learn from somebody else who is already rich as our mentor. We need to learn, and never give up until we get our dream. We need to increase our financial literacy. We need to know how the game of money works. And money other things we need to know to get rich.

4. Mistakes. Fails and mistakes are always hard to face but we need them to make us rich.

Many of us avoid making mistakes and if we made some, we will blame others, feel upset, angry and anything else. But for us to be rich, mistake is a great teacher, and there are so many things that we can learn from it. So make mistake, learn from the, and get back on the track. Mistakes will only lead us to success if we are optimistic. I like the saying by Rich Dad “Losers quit when they fail, winners fail until they succeed” and it always true. Giving up, blame others, not admit your mistake will only make us a loser. But stop and think, and learn from the mistake will expand our abilities, knowledge and our experience, and as the result we will get richer and richer. And I think one day when we are relaxing in our big house, we will thank ourselves of the mistakes we had made. :D

5. And the final step is action. Which is the main point many people had missed and don’t do. Some of us have the desire to become rich, good business ideas and plans, a mentor to learn from, and also the knowledge needed in making business but the only thing that is still not done is ACTION. So, take action now!

I will sum up all of these points in a formula below.

ACTION x (desire + brain + knowledge + mistakes) = RICH

And the good news, all of them are always FREE. Good luck!

Buy A Dream Car and A House with only $10,000??!

noreply@blogger.com (abu_muadz) — Fri, 09 Mar 2007 15:21:00 +0000

It's no doubt, that Real Estate is the best investment ever for long term investment and it is easy to manage. Many have become millionaires by doing real estate alone. But for me it's not so challenging rather than business and stocks. For you who wants to be rich without much to think, I suggest you to consider real estate. Eventhough its a long term investment, but it will for sure make you become rich, if you learn more how to do it.

I'll like to give you some example.. Lets say you want to buy a new car that you need to pay the loan monthly for about $300. My advice that I learned from Rich Dad Poor Dad is, dont buy the car first, but lets go out there and buy some properties. For example you find a good house in a good location with a good price $100,ooo. You will only need $10,000 to buy it using 10% downpayment mortgage. The rest of it you will need to pay monthly, lets say for $200.

Okay, now what do we need to do. Lets find some tenants that would like to rent that house. As I said before, you need to make survey first about the locations. Make sure it is a hot spot. To cut the story short, you found a good tenant who would have no problem to pay you $500 montly for the rent. So now you use that tenant money to pay the mortgage $200 and $300 for the car. And the good news is, the same time you have your new car, you also get a new house to put in your Assets column in your balance sheet. :) Sounds interesting right?

So what are we waiting for? Wait.. Lets make some more study about this 1st. :) Becoz with more knowledge, more money we can get. But the more important is, we won't face a big failure in investing such as real estate. :)

Enjoy the article. And if you like it plz post a comment. :) Cya

Make Big Money In Real Estate
by: Gregory Wadel

Real Estate is one of the oldest forms of investing known to man.

Real Estate investing is easy and fortunes are made in a simple manner. For example, and investor decides that a desert area will eventually become an industrial development. He purchases a number of acres at a very low price. If his guess turns out to be correct, ten years later he sells the land hundred times more than what he paid for it.This can happen in any part of the country and is not an exceptional case.

As the population keeps growing in the U.S., land prices continue to raise and it means that Real Estate will continue to offer one of the best investment opportunities in the country.

Compared to most forms of investment, Real Estate offers greater profit potential. Of course, not every piece of land will turn out to be a winner, and despite the great potential rewards in some cases risks are involved, so the necessity of careful study before invest.

One of the problem of Real Estate is his lack of liquidity.

Liquid assists are those easily converted into cash like stocks or bons. Most Real Estate investments take years before you can make some money, so it is not wise to tie up all your assets in this type of investment. Your financial situation will determine how much you can wisely invest in properties.

There is a difference between a land speculator and an investor.

A speculator buys land with the intention to make a quick sale and fast profits and will not hold land for a long period of time. An investor, on the other hand, looks for a long time gain, and usually buys only what he can afford to keep for an indefinite period of time.

If you are new at this field, it is wise to refrain from any a speculation until you become more informed, and you will have to devote considerable time to study and research. It is wise also to consult specialists before you act.

Without realizing it, you already made a very successful investment in Real Estate if you bought your own home.

Before you look for areas to invest, consider the condition of your own house. If you have any plan for selling it, good landscaping has been known to considerably increase the value of a home.

Large profits can be attained by purchasing run-down homes and restoring them for eventual selling, but some factors have to be considered:

* You must know something about architecture and remodeling and get and idea of how much it will cost to get the house back into shape. Consider what you will be able to do yourself and what it will cost you if you have to have it done.

* The location of the house is the most important factor to consider. Study the neighborhood, shopping, and transportation facilities.

It can also be profitable to lease land for commercial use. Land which borders highway is extremely valuable for purpose such as warehouse, gas station, etc.

Land development companies frequently run advertisements offering country retreats. Be wary of these offers as they themselves make a large profit at the time they sell you the land, so it is much more profitable for you to buy your own.

When you buy property, buy at a price that involves a minimum financial risk. Invest only a modest amount of your own capital, when you sell, determine if a cash or installment sale is the best, based on your over-all income tax status. Learn by looking back on the mistakes made in the past and by reviewing the opportunities you have missed.

Prepare a list of all properties available in your area and think up the best future use of the properties. Learn to purchase land before there is a demand. To buy land well in advance is the only economical way at today's prices. Then hold the property until you can resale for large profits. Don't sell all your desirable properties and keep just lemons.

If you are willing to leave the cities, you should not have any trouble finding inexpensive land for sale. If you discover a tract of land appealing to you but not listed for sale, contact the Country Register's Office and he will tell you who is the owner. Get in touch with him and he could be willing to sell.

As a rule purchasing tracts of land within thirty miles from a growing city is often a sound investment. Deal only with qualified realtors. Be careful of individuals who offer quick profits.

Before taking any action, study what has been written about the subject. Know why you should and should not buy. Stay conventional and don't buy white elephants. Look for hidden defects and make the property attractive before offering it for resale. Study local conditions and be sure it is practical.

Constantly look for bargains and quality properties with exceptional features that will make the sale easier. Follow up on For Sale signs, make inquiries.

When discouraging elements occur, minimize your losses by whatever means available. Don't throw away money on repairs for poorly located property or in an area of surplus rental units.

Before you attempt to sell, find out how the prospect can use the property profitably. Ask yourself if you would purchase it if you were in the prospect's shoes. Ask yourself if the future use will fit any of the many types of specific businesses. Can a hospital, a bank, an apartment complex, condominium or professional building be located on the property.

Learn to analyze the pros and cons of a real estate problem.

Break it down into its various elements. Know if the answers you come up with are satisfactory and practical. Try different approaches to the problem.

You are necessary looking for the "top" or "bottom" of the market, or the current economic situation. You are looking for a variety of properties which have a higher value dependent on the use that can be established for them.

There are always opportunities in Real Estate during good times and bad, but it is up to you to pick and choose only those very best deals, especially during times when it appears that Real Estate values and demand have reached their peak or in times when it is practically impossible for most anyone to get bank loans due to the tight money market or impossible interest rates.

You can make big money in realestate.

About The Author
Gregory Wadel
If You would like to find out More about RealEstate, Please Check Out my Blog at:
http://eaw-realestate.blogspot.com

3 Keys to Grow Your Business

noreply@blogger.com (abu_muadz) — Sat, 03 Mar 2007 06:51:00 +0000

Wow!! I really love this article. And if u want some details of it, Michael E Gerber also wrote about it in his books The E-Myth Revisited. Its more spesific and he gave a lot of examples and easy to understand. Suitable for an entrepreneur like you who wants to make your business grows bigger than you had never imagined before. :) Enjoy this article..

3 Keys to Grow Your Business
by: Grant D. Robinson

Are you on pace to accomplish your important sales and financial goals this year?

The truth is, a good majority of US Organizations have been unable to grow their businesses this year. They are not reaching their sales and financial goals and many have all but given up.

Is this you? Are you now looking to next year to be the year you shatter previous productivity, sales and revenue records?

Regardless of whether you are on pace to meet your goals or not this year, it's a great idea to start preparing for your best year ever; but you will need to prepare.

You've surly realized, it takes much more than just setting a goal to accomplish it. The mere act of putting the goal on paper, sharing it with your managers and giving the extra effort to accomplish the goal is really secondary to the preparation required.

Before you begin to work toward an objective, you must insure all of the past barriers that stood in the way of prior goal accomplishment are eliminated. If they aren't, the unfortunate fact is, you'll fail to meet the objective once again… for the same reasons as before.

The following are the three keys market leading organizations have used to grow their businesses. I suggest you consider them to take your organization to the next level of success also.

1. Operational Systems

There are two types of systems in your organization. The first is your operational systems, including:

1. Vision & Mission 2. Financial & Budgeting 3. Production, Manufacturing & Distribution 4. Sales & Marketing

All four of these systems are in place for one reason: to efficiently grow your business. They are the standards to how your organization operates from day to day. More importantly, they are the standards to how your workforce operates from day to day.

To improve productivity this quarter and prepare for your best year ever, it is vital to analyze your operational systems. In the next month, recognize what current productivity barriers must be eliminated, what operating expenses must be reduced, what unique cultural standards must be maintained and what marketing promises must be upheld.

2. Managerial Systems

In answering the previous questions, most organizations realize an important fact. Changes to operational systems are almost always made to improve the productivity of their workforce. But the truth is, these changes alone rarely help.

Organizations failing to accomplish their goals tend to make irrational decisions. They feel if they rewrite a vision, increase spending on technology, reorganize production procedures or alter their marketing messages, workforce performance and profits will magically improve.

However, the opposite is usually the case. The changes usually end up harming efficiency, production and morale. The usual outcome is, those employees who naturally performed the job they were hired to do before the changes, still naturally do. Those who failed to produce before the expensive operational modifications, still underachieve.

The second type of system in your organization is your managerial systems. The five most important processes of your managerial systems are: recruiting, hiring, training, developing and retaining (productive employees). When you create a successful managerial system, your hiring success rate, employee motivation and the effectiveness of your leaders will naturally improve.

To prepare for your best year ever, there is only one question to ask yourself: Why haven't we been able to hire, develop and retain TOP Performing employees in every position.

3. Focus on People

Market leading organizations realize "people" are the key to growing a business and meeting goals. The more productive their individuals are, the more productive their teams have become.

A recent study of over 2,200 managers by Watson Wyatt Worldwide in Human Resource Executive Magazine found: Of the hundreds of management functions, "Selecting Staff" and "Retention" are the second and third most important management functions in business today. Recruiting was rank fifth.

Since almost three of four new hires fail to meet our expectations within the first year and managers are forced to constantly replace underachievers, recruiting is the number one management expense in business today. Although selecting staff and retention are rated very important, they rank 36th and 44th in management effort and spending respectively.

Although executives understand the importance of Top Performers in every position, their time, energy and financial priorities have become operational. With the amount of organizations failing to meet their goals or grow their businesses, it should be apparent that this strategy just doesn't work.

Hiring Top Performers for every position in your company, the first time, is the only way to insure your productivity and profits will improve. Traditionally, Top Performers are five to eight times more productive then their counterparts.

You've probably learned the hard way, no modification to an operational system will ever increase your organization's performance five to eight times. If you are like the most effective executives, you'll understand this and will double or triple the productivity and profits of your organization by giving your managers the tools to hire, develop and retain your greatest value; your people.

Great customer service, work ethic, motivation, productivity and sales success comes from employees that fit your culture, their team and the job they were hired to do. Whether it takes developing your underachievers or replacing them with someone who will naturally produce, it is now time to focus on your people to prepare for your best year ever.

About The Author
Grant D. Robinson is the President of People Values and the Author of the Market Leadership System. To improve your “Hiring Success Rate” of TOP Performing Employees, watch a free, 5-minute, on-line video at: http://www.peoplevalues.com.

The Pursuit of Happiness

noreply@blogger.com (abu_muadz) — Thu, 01 Mar 2007 19:45:00 +0000

This story is very inspiring and motivate me. It makes me feel that it is not possible to be rich even when we had no money. So guys, just dream what you dream, and lets make sure it will be coming true. Enjoy this interview with the real guy of the movie Pursuit of Happyness-Chris Gardner.

Easy and Cheap Way to Learn Business

noreply@blogger.com (abu_muadz) — Wed, 28 Feb 2007 15:31:00 +0000

We hear a lot about MLM (multi level marketing) nowadays. In some country they also called it Network Marketing. But with me, I'm more familiar with MLM. So lets start discussing about this matter.

Robert Kiyosaki wrote in his books, that he suggested us to join and learn how to sell and make a business system by joining MLM. You can see the reason why he told us that by reading this article written by Vernon Anthony.

Well, in some cases I do agree with Vernon. But to be extremely rich, you need to think bigger or make some big plan to do something big rather than climbing the promotion ladder in MLM Companies. For example building a World Class Company, or making huge passive income in Real Estate or Properties.

But it's ok for a start. We can learn many things from MLM for sure the basics of business. If you want to face your embarrassment to sell things to people, then join MLM. And it is also good for us to learn how to build a good system for our company.

Enjoy the article.

Starting A Business

By: Vernon Anthony Johnson

Many people today are looking to own and run their own business. To do that they mainly have three main choices.

1. Buy a franchise
2. Start from scratch to develop there own type of business.
3. Buy an existing business.

When talking about capital to start or buy a conventional business we are not talking peanuts here; all these types of businesses will most likely require a substantial sum, perhaps in the hundreds of thousands of dollars.

They will usually require staff so suitable computer expertise for accounts and wagers and also people skills in the workplace are required. There are always some problems with staff which can cause difficulties.

In a conventional business you will require premises. If you have bought an existing business then probably rates and maintenance are your two main expenses with the existing building bought with the business. If you need to rent a premise then you may require a refit for your purposes which may cost tens of thousands of dollars. This would depend on the type of business which may require certain expensive machine or electronic devices which could be various and very expensive. Then you would need computers and office furniture in varying quantities. All quite expensive items. However you look at it there are considerable costs involved when starting a business some of which will be ongoing. i.e. interest on the loan, staff wages and rent etc.

If it comes to the worst and it all goes belly up look at what you might lose? The equity which was used to finance the loan - most likely the property you live in because you couldn’t pay off the bank overdraft. The fixtures and fittings which you purchased which now would be of use to you and any equipment you purchased which may have to be sold invariably at a loss.

So you sold everything to try and pay off your debt but that wasn’t enough so you have to leave the home you loved and look for rented accommodation. Then many years later you might crawl back to where you were before the time of the crash. The statistics for new conventional type business success are not good.

In a conventional business if you need advice you usually have to pay for it although with a franchise some is available free. With a franchise I understand it does not usually include business mentoring. So if it’s new to you, you may have to pay for that help. In MLM home based business with a good company the marketing help comes as part of the deal.

Why you may ask?

Well because the MLM I am recommending is structured so that the person who does the recruiting also helps the people they recruit. In making them successful they all financially benefit. This team building is the essence of success in MLM marketing and people who have done this for a few years reap large rewards without having taken a huge gamble to raise equity.

So if we look an MLM business which costs less than $2000 initially and potentially enables you to earn hundreds of thousands of dollars a few years down the track why wouldn’t that be much more attractive to you than risking your house?

There is the company which excels in all respects and is ideal for MLM people:

? It is debt free
? Publicly listed on the NASDAQ
? Achieved 1.5 billion turnover in the first five years
? Is a global business operating in ten countries and six more 2007.
? Ranked number 5 in the 200 Best Small companies by FORBES in the US.

If we summarise the benefits then we are talking about a business which:

1. Does not require a large amount of capital
2. Does not require you to hold stock.
3. Does not require staff.
4. Does not require you to rent or buy expensive premises because you can work from home perhaps from one room set aside as your office.
5. Enables you to make an income relative to your efforts which could be in the six figure bracket after a few years.
6. Does not confine you to office hours - you can work at a time convenient to you and your family.
7. Will still function once established without loss of income if you decide to take a long holiday.

Why then would anyone wanting to start a business not want to take the least expensive option?

The MLM choice comes without all the financial risk and headaches.

You can have the same earning potential as the conventional business with total support as part of the deal.

For more information, contact Vernon Johnson

11/134 Hill Road, Runcorn, Brisbane 4113 Australia, biohealth@aapt.net.au

2. Does not require you to hold stock.
3. Does not require staff.
4. Does not require you to rent or buy expensive premises because you can work from home perhaps from one room set aside as your office.
5. Enables you to make an income relative to your efforts which could be in the six figure bracket after a few years.
6. Does not confine you to office hours - you can work at a time convenient to you and your family.
7. Will still function once established without loss of income if you decide to take a long holiday.

Why then would anyone wanting to start a business not want to take the least expensive option?

The MLM choice comes without all the financial risk and headaches.

You can have the same earning potential as the conventional business with total support as part of the deal.

For more information, contact Vernon Johnson
11/134 Hill Road, Runcorn, Brisbane 4113 Australia, biohealth@aapt.net.au

Need to Reduce Debt? Consider Home Equity Loan

noreply@blogger.com (abu_muadz) — Tue, 11 Jul 2006 15:22:00 +0000

Home Equity Loan may sound a bit strange to some of us. But actually, equity loan may reduce our debt especially to those who have family.

Lets consider one case. There is one family was desperate to make big changes at home. But, the father couldn't fulfill their desires due to lack of sufficient funds. It was only at that time he got to know about secured loan that gave them a ray of hope and helped them in making their family's small dreams come true. So the father decides to give their house as a collateral.

In reducing debt, the first thing to consider is do look out for secured home equity loan and don't use your credit card frequently. This article may help you to give an insight on reducing debt when you are considering Home Equity Loan.

Need to Reduce Debt? Consider Home Equity Loan
By: Adam Jackson

Now that we're over half way through our first decade of the new millennium, it is interesting to look back and see how our attitude to debt has changed. It seemed that many of us had an invincible view towards our debt, brushing it under the carpet and extending our credit line further.

Now that we're all a little older with perhaps more responsibilities, we've decided that it is hard time we addressed the little problem of our credit card debt, head on. One of the most affective ways to do this is by taking out a home equity loan. In many cases, the equity in our home represents the only form of savings we have. It is important to reduce debt as quickly as possible in order to start saving money.

It is always good advice to shop around when looking for a home equity loan; this is because lenders will have different criteria. Some lenders are only in the poor credit home equity loan business as this allows them to charge more interest on the loan, while other lenders are more interested in the quality of the equity at stake.

A very good piece of advice when you have completed your home equity loan is to cut up or close the credit cards that contributed to your high debt. The worst possible situation is for you to start using the credit cards again. If you think you are at risk of doing this, cut them up immediately, your house is now at risk.

About The Author

Adam Jackson of http://www.besthomeequity.net/ is a home repair expert striving to bring you the best free home repair and improvement information on the web.
info@besthomeequity.net

5 Tips On How To Reduce Your Mobile Phone Costs

noreply@blogger.com (abu_muadz) — Sat, 08 Jul 2006 05:41:00 +0000

Hello guys.. :)

This time I wanna share an article about mobile phone with you. As we all know, nowadays mobile phone has become a very important thing in our life. Some of us spend so much money with mobile phone. Here are some great advices we all can easily practice to reduce mobile phone costs. Lets start to practice it, and begin to feel the difference in our financial management.

5 Tips On How To Reduce Your Mobile Phone Costs

By: John Bertone

Mobile phones are great. They allow us to communicate and "stay in-touch" in a way that was not possible in the recent past. However, this increased connectivity comes at a cost, and if you are not careful you may end up spending money unnecessarily. Here are five basic tips for reducing your mobile phone costs without sacrificing your communications with your family, friends or business contacts.

1. Use a landline wherever and whenever possible.

No matter how great a deal you got on your last mobile phone contract or prepaid (pay as you go) offer, the good old fashioned landline is usually cheaper. Save your mobile phone for the times when it is the only alternative. Before making a call on your mobile phone, ask yourself whether this call is really necessary. When you are out of your house carry around a phone card and small change, and take advantage of public pay phones whenever you can.

2. Send SMS text messages

Short Message Service (SMS) text messages are usually charged on a per-message basis and are generally cheaper than normal calls. The SMS is the modern-day equivalent of a telegram. If you are creative, you can convey a lot of information in an SMS message and avoid having to make a more costly voice call. If you don't go overboard with the fun of sending SMS messages, and use them only when they are needed, then you can save a lot of money by following this tip.

3. Purchase the phone that you need

You may be enticed to follow the fashion and get the latest phone loaded with all kinds of gadgets, but you will have to pay for it. Choose a handset that does what you need. If you only need to make phone calls, then don't pay extra for a phone that has a built-in MP3 player and camera. If you are satisfied with your present phone, then keep it and don't buy a new one. Even if you upgrade to a new or different service plan, you do not have to get a new phone. Choose a SIM only plan and use the new SIM card in your old phone.

4. Keep Track of Your Business Calls

If you are using your mobile phone to give better service to your clients, then you can get the costs of these calls reimbursed when you do your billing. Keep a good record of calls that were made for your business and recover this cost whenever possible. Also, if you maintain an accurate record of how much you are paying your service provider, you will be in a better position in case of any billing disputes.

5. Choose the phone plan that best matches your calling habits

If you are buying a mobile phone on a contract or upgrading your plan, you may be thinking that you will use the mobile phone only for limited calling. However you could end up using it more frequently as you get used to the convenience. Instead of opting for a plan that has low monthly rates combined with a high per-call rate and no special features look for a contract that combines a reasonable monthly rate with low per-call rates and access to discounts.

So if you have been scratching your head and wondering how to reduce your mobile phone costs then follow these simple tips and enjoy the convenience of mobile telephony without burdening yourself with unnecessary expenditures.

Article Source: http://www.articlecube.com

John Bertone is a Mobile Phone Specialist who shows you how to compare any mobile phone deal on the market, quickly and easily. In his special report called: Mobile Phone Secrets Revealed he also reveals how to DRAMATICALLY REDUCE your current mobile phone costs! For more information visit: www.MobilePhoneSecrets.com.au

A lesson from Italy's success

noreply@blogger.com (abu_muadz) — Wed, 05 Jul 2006 12:43:00 +0000

Grosso goal in late extra-time..

Hello guys.. :)

This time I wanna share with you about the success of Italy to get into the World Cup 2006 final.. I watched the game last night and what I could say is I'm so impressed with their performance. It makes me believe that to gain success is not impossible although time is lacking. All you have to do is to work smart and also hard, and not to lose your concentration. Finally the success will be yours. :)

We know that Italy is good at defense. And this is the main key of their success. When they strengthened their defense and ensured nobody can penetrate it easily, at this point, they were building up a very good strategy to attack the opponent. And finally, their effort lead them to score goals! The best thing is, they scored that 2 goals in the late extra-time (means everybody thought the game will end with penalty kicks) and they deserved it. :)

What is the relation between a good team at defense and financial management? It is all about your defense in managing your finances. To become rich, you must not only focus on the money making stream but the 1st thing you must do is to take care of your expenses and liabilities which in the other words you must strengthen your defense. You must make sure, your expenses and liabilities do not exceed the income you get every month. A lesson we can learn from Italy is that, when your defense is good, then you can be good in your offense too.

When you can control your cashflow every month, and make sure that it will always be positive in number, you can start planning the strategy to make more money. If u have a negative cashflow every month, you'll not become rich even if your strategy to make money is great or you get a big income.

For example, just imagine a man who gets $15,000 as his monthly income. He will not become rich if his expenses every month are $15,500. This is because, his monthly cashflow is -$500. But if he controls his expenses not to exceed the income, for example only $13,000 a month, he will have a positive cashflow of $2000 monthly. And he can use this money for savings or for investments as I said before, as a good offense strategy. It's better if you can keep more than that. :)

This is the basic step to become rich. If you start to control your cashflow from now, you are also starting to build up a good defense in your financial management. And this will result in a good strategy to make money in the future. So, why dont we take the first step from now and take our seat on the journey to becoming rich. :) Good luck to all of us!!

Click the link below for the news.

Italy defeats Germany with late extra-time goals.

financial-management

21-year-old student makes million dolars in 4 months!!

noreply@blogger.com (abu_muadz) — Tue, 04 Jul 2006 13:05:00 +0000

Hello my friends.. :) Hope you enjoy reading articles on my blog everyday..

In this posting I want to share an awesome miracle in the world of internet business. It's about a guy who had a small idea on his bed in just less than half an hour, and that idea made him become a millionaire in just 4 months!

This 21-year-old student was having some problem with his finances. He was thinking how he could solve his financial problem. He laid on his bed, brainstorming and looking around and somehow, his pair of blue sock raised his attention. The question `How can I become a millionaire` that he wrote in his brainstorming paper, is now answered. The Million Dollar homepage was born.

What is this homepage all about? Whether you believe it or not, it only sells pixels (the dot which make up a computer screen) as an advertising space, costing a dollar per dot. One who is interested to advertise in this website, needs to purchase minimum of $100 for a 10x10 pixel square for a logo or design. And clicking on that space takes readers to the buyer`s website. Marvellous idea right?!

This guy possessed his wealth not by free. His small sacrifice spending 50 pound to buy a basic webhosting package is such a thrifty investment. Then, he designed the site himself but it began as a blank page. His family and friends contributed $1000 dollars, which he spent on a press release. That small publicity makes his site famous, which in turn he gets more advertisers to trust him.

His enthusiastic effort shows that I could endeavour to be like him. You too!! The main point from this story is a small idea might change your life! Just give a try and dare to take risk. Good Luck! :)

Click on the links below.

The Million Dollar Homepage

Press release on his success

Want To Earn Thousands Fast? It's Common In Real Estate Investing

noreply@blogger.com (abu_muadz) — Mon, 03 Jul 2006 15:58:00 +0000

By: Jackie Lange

I'm constantly seeing business opportunities that promise you can earn thousands in very little time. That's probably true for some of their members, but I'll bet more than a few people reading this article have joined these programs and earned little if anything.

I wouldn't be surprised if the average member spends hundreds while earning under $100. Sure, the hype is exciting and it's fun to be told you'll be a millionaire, but in reality, usually only the founders get rich.

Real estate investing is an altogether different kind of business. People just like you and me buy and sell properties and earn tens of thousands of dollars, often within just a few days of getting into the business.

I worked with a teenager who earned almost 12,000 in just over one week. And that's not a fluke. We regularly see people jump into real estate investing and earn big checks. Last year, my organization that helps people buy and sell houses did more than $58 MILLION in business.

How can we earn so much money? It's relatively easy if you know how. You simply find owners who are highly motivated to sell, buy their property (with other people's money), then sell at a higher price and keep the change. Often that change is $10,000, $20,000, $30,000...and more!

Keep in mind I said it's easy IF you know how. But learning how to be a successful real estate investor can be an uphill climb. This problem is mostly due to all the BAD information that is out there. There are alleged real estate gurus who constantly dispense bad advice. The average person getting into real estate is so confused they can't make any money. Most get discouraged and give up.

Here are the basics you need to know to succeed:

1. You don't need much money to get started. There a lots of sources who will give you the money you need to buy houses and other properties.

2. There are some tried and true methods to uncover sellers who will literally beg you to take their house. For various reasons, they need to get out from under their home fast. You can often buy these homes for pennies on the dollar, giving you plenty of opportunity to sell the property at a much higher market value. That translates into BIG profits for you.

3. Of course, realtors will view you as competition, but not if you know how to enlist their help. You can easily have realtors all over your area working with you to help you find more and better deals.

4. A LOT of money is changing hands, so you'll need professional contracts that keep you out of trouble and keep your customers happy. Not to worry--there are standardized contracts you can use that cover all the bases. You'll also need to organize and structure your business like any other, and there are very smart ways to do that, while maximizing your profits and minimizing risk.

Above all, don't be afraid to get into real estate investing. I've known thousands of every day people who have succeeded admirably in this industry. Get the information you need, then get started making money.

The Decision to Rent or Buy A Home

noreply@blogger.com (abu_muadz) — Mon, 03 Jul 2006 15:52:00 +0000

By : Dan Lewis

The pace of life can be so quick that we have a tendency to blow by important decisions. One such decision is the decision to rent or buy a home.

The Decision to Rent or Buy A Home

One of the biggest decisions people come to is the issue of renting versus buying. Really, it is an extremely tough choice to choose between the two. However, I once had an economics teacher who put it extremely well and puts the whole thing in perspective. His motto was, “Rent when you have to, buy when you can.” This statement is only too true, and here is why.

Renting can be a big plus for certain people. People who are on the move, people who get relocated with their jobs and need to stay mobile, and also for people who just moved out of the house and have low income and no credit. In any of these situations, renting is definitely a good choice. Renting allows people who need to stay mobile the opportunity to do just that. They go month by month and aren’t committed anywhere. Also, the paperwork required for renting is minute in comparison to that of buying and selling. In addition, those with low income and credit scores should also consider renting. Looking for a mortgage with low credit scores will be very difficult and even if you find one the interest will be unreasonable, not to mention the fact that even making the monthly payments can be unmanageable.

However, the benefits of buying, when able to, far outweigh those of renting. Sure, buying a house takes tons of paperwork and involves commitment to that house. But in the long run, owning a home is extremely important since your home is one of the biggest investments you can make. The key to this is home equity. Equity is essentially the value of the home. This equity almost always increases over time and can sometimes take huge leaps such as the recent price hikes of homes in California. These huge spikes drastically increase the price of the home and leave the homeowners with a lot of money right beneath their feet that is always available. Also, equity enables homeowners to pull out home equity loans that are based on the value of their homes and generally have reasonable interest rates.

Of course, this all depends on ability to buy. Having a good credit score, a good amount of money put away, and a good income are all incredibly important. A good credit score allows the person to obtain lower interest rates on mortgages, a good amount of savings allows a higher down payment, and a good income allows the person to make the payments. When this can be done, buying is definitely advised. Renting has its benefits, but buying is always better.

Winning the Money Struggle

noreply@blogger.com (abu_muadz) — Mon, 03 Jul 2006 04:13:00 +0000

By : Jim McCabe

Each day it seems harder and harder to stay ahead of the bills. With higher inflation, increased gas prices, credit card rates going up, and so on and so on, what’s a body to do?

For sure, doing the same old thing will not get you ahead. Perhaps a higher paying job will do the trick. Maybe you’ll be written into the will of a rich uncle. Or, maybe its time to try new thinking and a new approach.

The word “wealth” is derived from Old English words “weal” (well-being) and “th” (condition). “Wealthy” can be defined as “the state of being rich and affluent,” “having an abundance of material possessions and resources” and “being profusely happy.” What does “wealth” mean to you? Does it mean not having to worry about money? Having good health? Having the freedom to do what you want to do? In any case, being wealthy is desirable, as it means having a higher quality of living.

This article is about increasing your monetary wealth through an approach that can quickly compound your money. There are risks (there is no such thing as a free lunch), but you can quickly learn and practice at absolutely no cost (other than an internet connection and your time). You must have a strong desire to make positive monetary changes in your life and you must set goals and take action toward achieving them.

The term “foreign currency exchange” seems daunting to the uninitiated. But it has been going on for thousands of years. Those that travel to other countries frequently exchange their currency for another. Today, currency can be bought and sold easily and electronically, from your home computer. Now, you too can learn how to make money – potentially lots of it - while participating in the foreign currency exchange (FOREX).

Accomplished author and entrepreneur Robert G. Allen, in his book “Multiple Streams of Income,” discusses the importance of compounding one’s money in order to achieve wealth. FOREX allows you to quickly compound, for example, turning $300 into $30,000 in as little as 6 months, if you know how to safely do it.

Why choose FOREX for obtaining wealth? Below are 10 good reasons:
1. A FOREX system is definable. You can get your hands around it (so to speak).

2. You can start learning without spending anything. Once you learn a few terms, you will be on your way. You can then add to your knowledge base along the way.

3. Unlike traditional businesses, there is very little overhead. With FOREX, there is no inventory to manage, no employees to deal with and no customers.

4. Your initial capital investment can be as little as $300.

5. You can quickly compound your money, if you know how to safely do it.

6. It doesn’t have to take a lot of your time. Some people only spend a few hours each week.

7. The FOREX market is very liquid, with trillions of dollars traded every day. On its slowest day, dollar volume on the FOREX market dwarfs that of the largest US stock exchanges, combined. You won’t have difficulty placing orders if you stick with the major currencies.

8. You can easily open an online account by selecting one from many available FOREX brokers. And you can open a demo account to practice (and learn) for free.

9. Once you get your account setup, you can trade currencies from just about anywhere. About all you need is a computer with internet access. Many accounts also provide free (and very adequate) charting software.

10. Many other people, from all walks of life, are successful at online foreign currency exchange. You can be too!

While there are other paths to monetary wealth, the FOREX path can lead you to your own personal success!

How to Build Any Online Business - Fast

noreply@blogger.com (abu_muadz) — Thu, 29 Jun 2006 00:00:00 +0000

By: Daegan Smith

Online business has now been a trend in the modern day of doing business. It is an effective way to make product selling and responding to client orders or comments. With this trend, all of us are hooked to do it. In order for us to build an online business, here are the following tips that we need to know:
1. Register a domain. It is important to have this item because you needed a contact to host the website you are planning. Of course, you must make bargains with different sectors having business like this.

2. Hosting account setup. Having a private account for your website will truly help.

3. Create a simple web site. As we all know it, your website will say all about your business. It will be your window to potential clients. So when you make it, be read and be able to attract huge number of purchases.

4. Upload files to the designated website. All information needs to be placed in the website for all customers to know what you are selling or marketing. Give them all the needed data. These items will now serve as proofs that your product is good enough to be patronized.

5. Auto-responding component setup. Customers make an inquiry about a product or service is a nice start up business. For this reason, an online form that will convince them to make inputs related to orders, etc. is surely a hit. It is more effective if you can provide an auto-responder because customers need not to wait long for your answer.

6. Order process automation. The faster you transact business, the more you win great number of clients. It is effective to do it online because majority of the people are hooked on the internet's light.

Formulating a Great Idea

To build any online business, begin with its concept. Online business is more powerful than the method of doing business before. Imagine, everyone has to personally go to a store to buy items but now you can just do it in a single click. After clicking the desired item, you will be prompted to confirm payment details. Before payment was only done in cash, but now, you need to have an ATM or credit card. If everything is already done, then that's it. You will just have to wait for your ordered item to come in front of your door. As simple as that!

If you plan to make an online business from the beginning, it is vital to make sure you are starting with nice ideas for your business. You must think what you can do best and start from it. Widen your horizons by doing researches related to your weaknesses. Make those liabilities of yours into great assets. By doing these things, you will be a surefire winner of your endeavor.

What are the in-demand products online? Based from surveys, the following are the products commonly being bought via internet:

1. Computer products and accessories. It is high-tech world nowadays and the need for computers and other devices are increasing. This is a big source of possible sales because it is will be noticed by the public.

2. Books and other references. Majority of the people loves to read books of all sorts - it can be fiction or non-fictions, biographies, academic subjects, fashion magazines, etc.

3. Travel packages. To advertise the latest tour packages and cool discounts!

4. Clothes. What's in and what's hot in the fashion industry is the usual content of this advertising.

5. Music (audio CDs). We all love music so it is another mine to make business.

6. Gifts for all occasions. The many occasions we celebrate can be a good source of income to all aspring online businessmen.

7. Investments. Investing money or capitalizing on a business is one sure method to attract people. It has big impact because you are proposing to them a way to make money.

The most important thing when you setup online business or all businesses is to make a detailed plan. Plans for all the expenses, the activities involved, the strategies that you will be doing in your business and other constructive factors. If you do this, it will keep you motivated throughout your business from start to end - a successful way on top!

5 Simple Ways To Lower Your Monthly Bills - And Save Lots Of Money!

noreply@blogger.com (abu_muadz) — Wed, 28 Jun 2006 23:43:00 +0000

By: Kris Bickell

Here you're going to learn several ways to save money every month by lowering your monthly bills.

There are lots of ways to save money, no matter how much of it you have - or don't have!

Having struggled for many years paying my own bills, I learned many ways to save money.

From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage.

All you need to know is where to look to find the savings.

Several Ways To Save Money

The first thing you need to do is eliminate ALL of your unnecessary expenses:

eating out on the weekends
buying lunch at work every day
magazine and newspaper subscriptions (especially those you can get online and at the local library)
cable TV (you'd be amazed at how many other ways you'll find to spend your time once you get rid of cable TV)
groceries (you can save lots of money with coupons and specials.)

It's OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can!

To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates, even if it is only for a short time.

You'll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month.

Shop Around For The Lowest Prices

For those expenses you can't eliminate, it's time to start shopping around for the best prices.

Once I realized you can shop around for just about ANYTHING you spend money on every month, I learned how to save myself SEVERAL HUNDRED DOLLARS each and every month!

In fact, by shopping around I ended up saving myself more than $750 a year on car insurance alone!

The same is true of many of your monthly expenses - like long distance telephone service, internet service, all types of insurance, mortgages, and in some places even your utility bills.

It DOESN'T take any special skills. All it takes is a few clicks and you can save yourself a bunch
of money in no time at all!

So, if you’d like to save yourself lots of money every month - and who doesn’t - start shopping around and looking for ways to lower your monthly bills right away!

How To Save For Retirement - Even When Money Is Tight!

noreply@blogger.com (abu_muadz) — Wed, 28 Jun 2006 23:25:00 +0000

By: Kris Bickell

So, you want to save for retirement, but you’re having enough trouble paying your bills every month?

Now what?

How can you possibly find enough money to save for the future when the present is difficult enough?

If this sounds familiar, then here are a few suggestions to help making saving money easier. Not necessarily easy – when money is tight, saving is probably not going to be easy. But at least it can be a little bit easier.

For this to work, you first have to be willing to make a few changes. Actually, it all comes down to one big change – and that is making a commitment. Without this commitment, and a plan to go along with it, then most likely nothing will ever change.

So, go ahead and make a commitment to yourself that you’ll do WHATEVER it takes to change your financial situation. And this change won’t come overnight, so give yourself a time frame to make it happen. Write down your commitment. And put it in a safe place.

And get ready to make it happen! Here are some suggestions for saving money – even when money is tight:

First, take a few minutes to read your commitment each day. The more you believe in what you are doing, the more you will be willing to take action, and achieve what you want!

Second, think of ways to make some extra money:
- get a part-time job
- start your own business
- sell items around the house that you don’t need any more

Third, take out your checkbook and write down a list of all your expenses for the last month or two. Write down everything. Then decide which expenses you can eliminate (and remember, you make a commitment to change your financial situation, and won’t necessarily be easy). And decide which ones can be reduced:
- cable TV
- cell phone
- internet service
- newspapers
- magazines
- entertainment
- luxuries
- anything else you can live without!

Be creative. Be honest. And be committed!

Because when money is tight, and you still want to save for your future, you either need to find a way to make some more money. Or find a way to lower your monthly expenses.