Thursday, December 23, 2010

Paypal,cashout to local bank

some more money that i cash out from paypal to my local bank.it takes fews day to process but it really pays.some of the money that i cashout from PTC to paypal i used to rent back referal and make more money.more referal more money.(Ini merupakan sebahagian wang yang saya keluarkan dari paypal ke bank tempatan.ia mengambil masa beberapa hari sebelum wang tersebut di masukkan ke akaun saya-3 hari berkerja).sebahgian duit yang saya keluarkan dari PTC ke paypal saya gunakan semula untuk membeli referal.lebih banyak referal bermakna lebih banyak wang.)







Paid To Click-PTC merupakan salah satu cara pengiklan (advertiser) di internet untuk mencari pelanggan (customer/publisher).menerusi sistem PTC advertiser sanggup membayar setiap click yang dibuat oleh publiser bertujuan untuk memperlihatkan iklan mereka secara berterusan.,

berikut langkah2 menjana wang menerusi PTC.

1.daftar akaun email

2.daftar paypal dan alertpay guna akaun email tadi.

https://www.paypal.com/my

https://www.alertpay.com



3.daftar PTC dengan memasukkan email,alertpay account dan paypal account.

http://www.neobux.com/?r=wantrader82

http://www.onbux.com/?r=wantrader82

https://incrasebux.com/register.php/wantrader82.html


4.dah boleh mula clik dan wat duit tanpa sebarang modal.ianya percuma.

selamat mencuba.

Sunday, December 19, 2010

increasebux.com:new payment for december 2010

wow....thank increasebux.com.real great PTC..

neobux.com : payment for december 2010

this is payment from neobux.com for this month.good payment provider.thank a lot for my all my refferal which i rented and direct.


Thursday, December 16, 2010

2nd payment for december 2010 from onbux.com

wow...second payment for this december 2010 from onbux.com real paying sites...comes and join me make more money from PTC programme...


Tuesday, December 7, 2010

IncreaBux .com.:1st earning Payment for December 2010

Danny Bonaduce,Concorde Crash ,Elizabeth Edwards


more payment that receive from increasebux.com.keep going....


Monday, December 6, 2010

onBux Ltda.:1st earning Payment for December 2010

the first income for december2010...real paying sites and really great PTC....

Saturday, December 4, 2010

PTC cara percuma janawang online/PTC free method for online earning

Paid To Click-PTC merupakan salah satu cara pengiklan (advertiser) di internet untuk mencari pelanggan (customer/publisher).menerusi sistem PTC advertiser sanggup membayar setiap click yang dibuat oleh publiser bertujuan untuk memperlihatkan iklan mereka secara berterusan.,

berikut langkah2 menjana wang menerusi PTC.

1.daftar akaun email

2.daftar paypal dan alertpay guna akaun email tadi.

https://www.paypal.com/my

https://www.alertpay.com



3.daftar PTC dengan memasukkan email,alertpay account dan paypal account.

http://www.neobux.com/?r=wantrader82

http://www.onbux.com/?r=wantrader82

https://incrasebux.com/register.php/wantrader82.html


4.dah boleh mula clik dan wat duit tanpa sebarang modal.ianya percuma.

selamat mencuba.

berikut merupakan bukti bayaran PTC dan withraw ke bank malaysia dari paypal



ini pula setelah wang diterima dibank malaysia (maybank)


--------------------------------------------------------------------------------------------------------------------------------------------------------------------------
ENGLISH LANGUAGE

Paid To Click-PTC is one of online advertising technique that allow the advertiser to reach their targeted customer by continous advertising method.By using PTC advertiser will paid to Clicker (potential buyer) for viewing the advertisement.,

Below are the steps to follow in order to earning online income using PTC.

1.Register email account

2.Register paypal dan alertpay by using the email account that been created using step 1.

https://www.paypal.com/my

https://www.alertpay.com



3.Register PTCs by using email,alertpay account dan paypal account that had been created by previous step.

http://www.neobux.com/?r=wantrader82

http://www.onbux.com/?r=wantrader82

https://incrasebux.com/register.php/wantrader82.html


4.Now you can start clicking and earn money online without a dime or any capital.


the payment prove for withrawal from paypal to malaysian bank



the payment that receive in malaysian bank (maybank)

Sunday, November 7, 2010

Ways To Achieve Great Results

ERMISSION TO REPUBLISH: This article may be republished in newsletters and on web sites provided attribution is provided to the author, and it appears with the included copyright, resource box and live web site link. Email notice of intent to publish is appreciated but not required: mail to: brent@actionleadership.com

Word count: 850

Four Ways To Achieve Great Results ... CONTINUALLY
by Brent Filson

Leaders live and die by results. For almost a quarter of a century, I've been teaching leaders of all ranks and functions worldwide to achieve not just average results but "more results faster continually." And "continually" is maybe the most important factor.

A lot of leaders live by having people get more results. They live by having them get more results on a faster basis. But they die when trying to get "more, faster" CONTINUALLY.

Here are four ways to make CONTINUALLY happen.

1. Deep Expectations. Clearly, expectations are a self-fulfilling prophecy. When you commit yourself to the expectations that achieving anything less than "more results faster continually" is unacceptable, you've created new contours for success.

I call those expectations "deep expectations" because they involve the five results-drivers that go deeply into your organization. The results drivers are: the strategies that marshal functions around central, organizing concepts; the tactics to execute those strategies; the resources to support the tactics; the people skills to promote great execution; and the motivational leadership to have the people be ardently committed to the execution.

The strategies, tactics, resources, people skills, and motivational leadership must be viewed within the context of and tested by "more results faster continually."

2. Deep relationships. To promote CONTINUALLY, you must champion deep, human, emotional relationships with the people you lead. This means going beyond the relatively shallow relationships involved in order-giving environments. The relationships cultivated in such environments don't go much deeper, in terms of their human bonding, than those involved with the giving, receiving, and carrying out of orders. When you order people to do a job, you may get more and faster results, but I submit that you won't get more/faster CONTINUALLY.

The power of deep relationships has been demonstrated since the dawn of history. In all cultures, whenever people needed to do great things, one thing had to take place: A leader had to gather those people together and speak from the heart. Profound, heartfelt relationships had to be established for great things to be accomplished.

Today, many leaders miss out on deep relationships that can lead to great results. They may know such relationships are important, but they don't know how to consistently create them, maintain them and enrich them.

Think of a time when you've experienced a deep, bonding with somebody -- not sexual as in a significant-other relationship -- but a bonding to achieve certain organizational accomplishments. It might have been with a boss, a friend, a colleague ... doesn't matter who, the important thing is the WHAT, the relationship


Now, picture yourself interacting with that person on one or more occasions. What was the physical setting? What was said? What was done? Recall what you felt. Recall the bonding that took place. What were the physical facts that gave you those emotions, that bonding? What were the actions you took as a result of that bonding? What were the results that came from those actions?

You may conclude that those relationships led to better results – and provided necessary environment for CONTINUALLY.

3. Deep processes. How do we create and sustain those relationships? One answer is through processes. Processes, which are systematic series of mental or physical steps directed toward specific ends, cultivate clarity of purpose and repeatability of outcomes.

A proven, robust process to advance CONTINUALLY is the Leadership Talk. The Leadership Talk is not about having leaders order people to do tasks, but having those people badly want to do those tasks. The ability to have others "want to" separates average leaders from great leaders. Hence, the Leadership Talk is a key driver of CONTINUALLY. (See my website for more information.) In fact, without employing Leadership Talks, leaders fail to create and sustain results-producing bonding between the leader and the people.

4. Deep results. If Leadership Talks are a key process in achieving the deep relationships needed to advance CONTINUALLY, what kind of results should CONTINUALLY encompass?

You can begin to get great results CONTINUALLY by having them flow through the prism of the Leadership Imperative.

The Leadership Imperative is: I WILL LEAD PEOPLE IN SUCH A WAY THAT WE TOGETHER NOT ONLY ACHIEVE THE RESULTS WE NEED BUT WE ALSO BECOME BETTER AS LEADERS AND AS PEOPLE.

You are never more effective as a leader as when, in getting more results faster continually, you are helping others be better than they are -- even better than thought they could be.

Guided by the Leadership Imperative, you'll find yourself realizing deep results. Furthermore, those deep results will advance CONTINUALLY. After all, if people know that in working with you, they will improve their job performance, boost their career, and enrich their lives, won't they want to work with you ... CONTINUALLY?

Results, of course, come in many forms and are measured and evaluated in many ways. I've discovered that most leaders are getting the wrong results, or the right results in the wrong ways. When you aim to start achieving "more results faster continually" you are on the right road to achieving the right results. Be guided by the four ways to make CONTINUALLY happen -- deep expectations, deep relationships, deep processes, deep results -- and you'll insure you'll be getting them in the right ways.

Wednesday, November 3, 2010

Blogging Effectively

Perhaps "blogging" isn't such a graceful word. For me, personally, it sounds like a worded drudgery the way cereals can be soggy, skies can be foggy, and the way minds can be groggy. But for now, it's too late to rename this shortened word for web-logging. Widespread blogging is nevertheless one of the most engaging Internet developments of the past few years. As a medium it gives rise to many new and worthy voices and plays a new and vital force in shaping opinions, political realities, trends, and even our language.

I believe that a blog is simply a tool to use for someone who's got something to say. Let me be clear in saying that a blog is a poor choice for someone who needs a megaphone to scream out to cyberspace in order to elicit a meaningful response from Internet users. If you want attention and want it now and expect blogging to bring it to you, then this will surely be a disappointment. However, if you like to write and engage others on subjects of which you have some command or experience, then it's a wonderful application with which you can interact with people who share similar interests as you. The hype is well founded.

Anyway, here's a list of blogging tips…

1.) Be topical.
Cohesiveness in message is not optional. Readers may or may not be interested in your topic, but if your message is haphazard that few will bother remembering to return to your blog because it essentially would offer nothing to remember. This doesn't mean blogs can't jump from subject to subject. For instance, a blog with a humorous focus has all the leeway in the world for subject matter, but it would be foolish for such a blog to turn the humor on and off. In such an example, the aspect of humor would be content's glue, the strength of the blog. The beauty of staying on point and on topic is that eventually, due to the nature of the Internet, you will find those interested solely in your topic. (as opposed to online diaries. There are millions of them on the internet, few have any readers. Email me with examples if I'm wrong and I'll be able to show you why you're showing me a blog and not a diary.)

2.) Refresh your content
Create a schedule and stick to it. Realizing that blogging requires time and effort, don't create unrealistic expectations and be unable to deliver. An occasional lapse or holiday is generally understood but readers returning to find stale, out-dated content are going to find another blog with similar content. New blogs and RSS feeds are popping up on a daily basis. If you have worked hard to develop an audience and a community you don't want to lose them due to lack of communication.

And remember, what's old is not new and, for blogs, thusly not interesting. 2006 isn't the time to rail against Enron or Vanilla Ice. Insight doesn't matter much to yesterday's news.

3.) Clear Language Counts.
Blessed is the blog with a clear line of logic. Write without inside jokes, clique-y catchphrases or ambiguous logic. First time readers need to be close to your message. They are more likely to return to blogs that strike them positively. If the first read is confusing there will not be a second read.

4.) Feed the Spiders.
Search engines take notice of active blogs and blog search engines are especially sensitive to activity. If nothing else, search engines are smarter today than they were yesterday and are only getting smarter. In constantly improving they are seeking to aggregate quality; quality blogs are updated several times a week, if not daily, as opposed to once or twice a month. I don't mean to scare you but a big spider is watching, so dance for them.

5.) RSS.
Think of RSS like a magic to blogging world, because that's the effect it's had. RSS feeds are a way to exponentially sound your voice to the interested. These feeds are a great means to increase the distribution and readership of your original content.

6.) Spell check.
Hey man, use the spell-check. I do – if I didn't you probably wouldn't have made it to #6. It only takes a minute and can save you from looking like a hack.

Your weblog audiences will be small at first. And, frankly, that's the way it should be. Who are you to think that half the internet will flock to you after three or four posts of your blog, anyway?

If you tough it out while maintaining quality, readership will materialize. You will link to good, relevant blogs and, in turn, they will to you. While your voice may be unique, your niche likely isn't and if your content is emitted smartly to the Internet those relevant readers will respond through readership and interaction. That I guarantee.

Make A Net - Work

Many job seekers are confused about networking, and therefore doubt its effectiveness. Networking is the art of building and maintaining mutually beneficial relationships. So, like anything else, networking requires a bit of practice and finesse, but if done correctly, networking can be an invaluable part of your job search campaign.

Here are a few tips that can help develop a network that works for you:

Be Patient

Networking doesn't happen overnight; it's a process. Networking is not just something you can check off your job search list like "Send resume to Pfizer".

While people may want to help you, they might not be able to do so right away.Quite simply, you may not be the first item on their agenda. So, if someone agrees to meet with you but can't do so immediately, accept their offer graciously and patiently. Never let an opportunity to meet with someone during the course of networking slip away. Always be open to meeting!

Be Authentic and Kind

When you do meet with someone resulting from your scheduling attempts, take a sincere interest in their life, not just the information or possible assistance they can offer you. Don't push people for their knowledge or connections and then abandon the relationship. Networking means fostering relationships. This objective cannot be achieved by one person constantly taking while the other person constantly gives information or time. Relationships are built on trust and sharing over time.

Remember, one day you might be in a reverse career position; so be considerate and respectful to all you meet. Find ways to periodically reconnect with the contacts in your network to stay up to date on their lives,and let them know that you genuinely care about what is going on with them. Also, connecting and re-connecting, take the time to let them know that their advice and counsel was heard and put to good use. Acknowledging their individual value to you and to your career. Reinforcement of the time and advice offered by those in your network will foster gratefulness, awareness of their value to you and encourage them to continue helping you and others.

Be a Conduit

Remember, the objective of networking is…well…more networking. You should be constantly adding people to your list of contacts. Always find more contacts to meet and, in turn, become a great connector yourself! Open up your network to others. Hopefully they'll follow suit and do the same for you, keeping the cycle going. Think about those contacts who could help others in your network,then introduce them!

Keep in mind that not everyone you meet will understand what networking is or how they can help you. Many people think that the best way they can help you as a job seeker is to take your resume and pass it along to their human resources department. While their intentions are noble, their strategy won't help you and could actually wind up being counter-productive and consequently,losing you a great job.

HR managers, like recruiters, are sometimes only motivated to take action on your resume if there is a current job opening within the organization that matches your skills. If a position is not available, they have no incentive to contact you and the connection is lost.

Rather than giving your contacts a resume, ask them if they could introduce you to a member of their company so that you can learn more about their position, industry, and organization. This way, you'll learn more about the company, share information about yourself, and begin to build a relationship rather than ending up as just another resume lost at the bottom of the pile.

Be a Helper

Networking is all about reciprocity. No matter who you're dealing with, you should always try to give more than you receive. For example, if you have information about a particular company, industry, or educational program that would be valuable to someone in your network, share it. By sharing you will help others and in turn, others will help you.

Whether you're currently employed or job seeking is irrelevant - networking is a constant process. Obviously, you'll be more on the receiving end of your contacts' information when you're on the look out for a new job. But that just means you need to work that much harder at giving information and sharing your network while happily employed.

If you're constantly looking for ways to help people in your network achieve their goals, they'll be much more likely to help you in return.

Managing Your Time - How To Prioritize Your Tasks

Prioritizing Tasks:
The ability to choose and complete tasks in the order of importance highly desirable and more challenging for some business types than others.

In order to choose tasks you must be aware of as many chores and projects as possible. In order to do this, every planning session must have a list.

You Must Have a List!

List all your tasks, then rate them, and list them again in order. Then you can schedule them.
When all tasks and projects are rated, use these additional filters to prioritize:

• Imagine the consequences of eliminating the task. – This exercise will often remove some unneeded tasks altogether.
• Decide if each task should be performed in prime time or secondary time.
• Determine who will be affected by the task.

Now Reduce Your List
Until we can effectively clone ourselves to be in more than one place at a time, most of us need to reduce our workload.
Before you start prioritizing, consider these task elimination criteria:

Does This Task or Project Make Sense?
Every task you do should first have to pass this benchmark.
You have goals, priorities, and objectives. Does every task contribute to your big picture? Estimate how much time each task will take, and then imagine what you would do with the time if the task were cancelled. While not always possible, everything you do should contribute to your objectives.

Why is the Task Urgent?
While urgency should be a mindset of business, urgency should also be questioned – ruthlessly.

Is the urgency only appeasing someone else?
What has caused the urgency? Many urgent situations have been caused by mistakes. Determining the cause of urgency can eliminate or postpone a task and lead to prevention measures of interruptions and mistakes.

Some seemingly imperative tasks are not urgent at all. Customers might be making demands that are unnecessary.
Check with all parties involved.

The Delegation Qualifier
Are you the only person that can handle the task?
Sometimes you might be, but many times someone else can perform for you. Delegate everything possible to free up your schedule.

How Else Could the Task Be Done?
Are You Utilizing Technology

Could an in person appointment be a phone call?
Conference calling can rule out travel and save an enormous amount of time.

Could you email instead of calling?
Email can be done on your terms when you want. You will have time to articulate better compared to the live telephone conversation. Time can be wasted and sales lost by leaving phone messages for people. Email eliminates phone tag.

Can the Task Be Dissected?
Are there portions of the work that can be delegated, eliminated, or postponed?

What is the Cost of Excluding a Task?
There are many jobs throughout the day that are actually not worth the time to do. Applying the dollar figure when considering cancelling a task is another measure of the task value.

The Measures of Task Value

Money – How much is the task worth?
Time – How much time will it take?
Effect – Completed versus Cancelled
Effectiveness – What is the most effective way to perform the task?
Contribution to Your Objectives
Replacement – (What could be done with the time instead?)
Division- Dividing the Task into Parts
When – Can the task be performed just as well in secondary time?


One great trick for prioritizing is to give every task a deadline.

Give tasks a deadline.

While many SME owners define a start time for projects and tasks when planning, they do not establish a deadline. Having a clear deadline makes tasks easier to prioritize.

Prioritizing while planning is easy. You have time to think. Prioritizing while working is a bit more challenging.

Prioritizing Interruptions

While most people are familiar with prioritizing tasks, few people prioritize their interruptions.
Hence, few people have defined the types of events that interrupt them.

Define Interruption Types

In order to take control of your time, you must minimize interruptions. Many SME owners describe their positions as managers, and define management as 'putting out fires,' or solving problems. While having a job definition for yourself is a great start, most owners have not defined or classified these problems. They just catch every ball tossed at them. The tail is often wagging the dog.

Think about how you are interrupted from your OUT or productive work. Make a list of every kind of interruption you have experienced in the last three months.

Strategies to Earn Customer Loyalty

The key of your business success is building customer loyalty. Holding on to existing customers is as important as soliciting new customers to keep feeding your list with fresh subscribers. Customer loyalty is the key to your business growth and profit. Because loyal customers generate a continual revenue stream through repeat purchases, they bring your business-increased profitability at a lower cost.

Like in any other moneymaking system, to succeed as an email marketer, you will need to understand all the secrets that are available to keep growing your business and apply them immediately.

How to Build a Business Relationship to Gain Customer loyalty!

Everywhere you go online they tell you that you must have a list to succeed. That's true but it doesn't go far enough until you understand exactly what makes subscribers eager to pay for your products, success will remain subtle.

If you don't know how to build a business relationship to keep your subscribers enthusiastic, eagerly waiting for your articles and rush to buy your product without any regard for brand, your list is worthless.

Hands down the main key factor of a responsive email list is the Trust Factor. If you earn your subscribers trust, you will have much more success when it comes to advertise to your list. Without the trust of your subscribers, they will be leery when it comes to pulling out their credit card to buy from you.

1 - Earn your subscribers' trust

Honesty is essential to earning customers' trust, and that trust is the key to gaining customer loyalty. Earning customers trust is important to the success of any business. Being honest goes with not hiding anything.

Let your subscribers know your Identification and contact information, such as your name, physical address, email address and telephone number. It is important that you let your subscribers know how to contact you for assistance. The more they know you as a person, the more they'll trust you. And when it comes to asking for money, nothing is more important than trust.

Warning: Be sure to be selective in what you promote to your subscribers. If you suggest a product that turns out to be a scam, your subscribers will likely blame you first for recommending it to them. You really can't afford to take a hit like this to your reputation.

2 - Give Them What They Want

When your subscribers sign up to your ezine, they are doing so for a reason. They want the information you are telling them they will receive. Keep giving them that, and they'll be happy as can be. Diverge from that, and you could find yourself losing subscribers quicker than you can get them.

Tips: Ask Your Subscribers what they want. Don't guess. Use this great, easy to use online tactic to find out exactly what your subscribers will buy from you or what subject they want to learn about. You could hold a contest. By sending them simple questionnaires or surveys will give you a sense of your market's needs, wants and preferences. Give the winner a quality prize and/ or gift that he can't find elsewhere. Getting your subscribers involved like this will also keep them interested in your emails and help get more emails opened.

3 - Don't send "too many" marketing messages.

Two thing you really need to watch, as a publisher, is how to advertise your product/ service and what product you endorse. Nothing ticks off a subscriber more than thinking a publisher is only in it for the money. This will happen if you advertise too much, or if you advertise the wrong products.

Sending out an email newsletter with too much ads and a little or no quality information will hurt your reputation. You have everything to lose, and nothing at all to gain by stuffing your Ezine with ads.

The ads in your Ezine aren't the only things you have to worry about. This also includes any ads you send out that are separate from your regularly scheduled newsletter. Sending out an ad each day is not the way to go if you want to build customer loyalty. It is the way to go if you want everyone to unsubscribe from your list

4 - Make your subscribers your friends!

Give your subscribers a good sense of who you are. It's important that your subscribers see you as a real person, because they will likely never meet you in person. One thing every successful publisher does is just talk about whatever is on their mind in each issue of their Ezine. They may talk about their family, their favorite sports team, politics, the weather, anything that's going on. They usually ask the reader to write back a few comments about it, or the reader will just write back without being asked to. This creates a bond between the publisher and the reader that could result in future sales and future partnerships.

5 - Over Deliver

Nothing makes people happier than knowing you pay attention to them. Make your customers and potential clients delighted by giving them more than they expected. After they order your product or sign up for your publication, give them a gift or a bonus that wasn't advertised, in addition to any gifts or bonus you promised they would get. I'm not talking about any ebook or software they can download from any website. Give something that no one or only a few other people are giving away. This kind of gift and bonus says that you put a lot of attention and thought into helping them succeed.

From time to time and in special events send free gifts just for the heck of it. By continuously over delivering, your subscribers will realize that you are trying to help them learn what they need to know, and they will appreciate it when you give them the tools and information they need to succeed. This is obviously geared more towards strong relationship and they stay loyal customers longer.

6 - Help Them Out

Besides giving your subscribers what they want, helping them with whatever they need help with is the best way to earn customer loyalty. While this works on an individual basis, instead of taking care of all of your subscribers at once, the people you are able to help will be very grateful, and will probably tell their friends, colleagues and neighbors about you. Positive word-of-mouth is a powerful way to acquire new customers and build customer loyalty.

If one of your subscribers sends you an email asking for help, help them out as much as you can. Don't just give them a quick, one word answer. They'll probably just be back asking for a little more information. Just go ahead and tell them what you can, and be nice about it, even if you think it's a stupid question.

7 - Don't Use Hype

I'm sure you've seen this before. It seems to be everywhere you look people trying to hype-up their offer to make it sound better than it is. Most people just want you to be straight with them.

If you just stick to telling the truth about a product, without making it look like hype, I think your subscribers will have much more respect for you. Personally, I think its stimulating when someone sends me a sales letter and outlines how I can benefit from it without trying to make it sound better than it is. Most people can tell the difference, and will probably be turned off by the hype.

The bottom line

When you combine all of these keys, you'll build a strong relationship with your subscribers and they stay loyal customers for years. All you need to do is find a way to include all of these keys into your business marketing strategies, and you'll soon find yourself getting new subscribers, building relationships with and earning customer loyalty.

Goal-Setting

What would you like to achieve in your lifetime?

Author Basil S. Walth once said, "If you don't know where you are going, how can you expect to get there?" These are words well spoken, because whether you're working toward freelancing full-time or selling your novels, you need a roadmap.

Goals are indispensable. They provide direction, long-term vision and short-term motivation. They separate the important from the irrelevant. Goals also build self-confidence by helping you grow as an individual.

Olympic athletes, successful business people, and (hint…) bestselling writers are goal setters. You aspire to greatness too, don't you? If you do, and you're not already setting goals, now is the perfect time to start.

Five Things to Remember When Setting Goals:

1. Write Goals Down

Always jot down your goals-this is powerful. The process of physically seeing your goals helps crystallize them in your mind. This process also better enables you to commit to them.

Interesting Fact: A popular Harvard Business School study once found that only 3% of the population records their goals in writing. Another 14% have goals but don't write them down, whereas 83% do not even have clearly defined goals. More interesting is that this 3% earned an astounding ten times that of the 83% group!

2. Make Goals Short, Attainable, & Measurable

Set attainable short-term goals that can be measured. This means setting quantifiable goals.

Here are some examples:




Commit to writing a certain number of words each week


Submit at least two articles a week


Find two new markets each week


Take at least one writing course a year


Attend at least one writer's conference a year

Make your goals attainable so you won't get discouraged. The short-term goals above are attainable for me, but they may not be for you. Or maybe for you, my short-term goals aren't challenging enough.

Goals are very individual. You have to set your own goals…remember, you're charting your own course to success!

On the other hand, don't set wimpy goals simply because you're afraid to fail. Talane Miedaner, author of Coach Yourself to Success (McGraw-Hill/Contemporary Books, 2002) notes: "People sometimes give themselves 'weeny' goals-they play it safe so they don't fail…But the bigger the goal, the more likely you are to achieve it."

3. Create Deadlines

Without deadlines, your goals are merely dreams. Set deadlines for both short- and long-term goals, and I promise, you'll get there sooner!

Remember that deadlines can be flexible. Life changes and so do goals. Never be afraid to adjust the timeframe for a goal. What's important is to keep moving forward.

4. Look at your goals everyday!

Visual aids are an effective way to program your brain.

Reading and re-writing goals are two very effective visual aids. By physically rewriting your goals and pasting them in places you regularly frequent, you make them more real in your mind.

I read an article in this month's Shape magazine that inspired me. The author mentioned that before Sarah Ban Breathnach, author of the bestselling book & Oprah Pick Simple Abundance: A Daybook of Comfort and Joy (Warner Books, 1995) became a bestselling author, she pasted her name on the #1 spot of the New York Times bestseller list and posted it on her computer. Visual Aids like these give you that extra ammunition that will make a difference.

5. Make Goal Setting a Routine

Begin every morning with a "To Do" list. This will help you organize and better manage your time. Plus, your goals will be right smack under your nose every day. Do not get discouraged over any unfinished items. Simply transfer them to the next morning's list.

The above said, keep your goals front and forward in your mind. Remember...you only get one chance to live your dreams!

In the words of Cecil B. De Mille: "The person who makes a success of living is the one who sees his goal steadily and aims for it unswervingly. That is dedication."

Emergency Fund

Many Americans today don't have a savings account or emergency fund. I heard on the news recently that the Commerce Department reported that Americans spend all the money they have and personal savings rates have reached the lowest level since the Great Depression.

Your emergency fund is your safety net: in case you get sick or lose your job you can use your emergency savings to hold you for a few months until you can find a new job.

Your emergency account should be separate from your checking or savings accounts and should only be used for emergencies such as an unexpected expense, unemployment, medical bills, etc.

An emergency fund should be enough savings to pay your bills for at least 3 to 6 months. Money for an emergency fund should be readily accessible and stored in a checking or savings account, preferably a high-interest savings account, such as Emigrant Direct or ING or a money market account where you can make money while saving money.

To determine how much money is needed to pay 3 to 6 month's worth of your bills do an inventory and write down all your bills and expenses and the monthly amount spent for each. Calculate the total. Use this amount and multiple by 3 or 6 to determine the total amount you need to save in your emergency fund.

Make sure you do some comparison shopping before opening an account for your emergency fund to ensure that there are no minimum or other fees for accessing your account. A good source to use is http://www.bankrate.com. <

You can start off by contributing small amounts to your emergency fund until you are able to contribute more. Start off with a contribution of at least $20 a month to your emergency fund. Once you are able to contribute more to the fund do so. Make several short-term goals for your emergency fund. Once you have saved enough money to pay one bill, pat yourself on the back. Then keep saving until you have enough to pay three bills and so on, until you have enough saved to pay your bills and expenses for 3 to 6 months.

Once you have reached your emergency fund goal, it is time to start developing some long-term goals such as an additional savings account and to start planning for retirement. A great site to learn about retirement planning is http://www.morningstar.com and look under the Personal Finance section.

Having an emergency fund will ensure that you are on the road to becoming financially secure and will prevent you from going into debt when an unexpected tragedy happens or unexpected expenses arises. An emergency fund is the first step to getting out of and staying out of debt.

Thursday, October 21, 2010

Start Your Own Small Business

Opening your own business can be a real big gamble. If you do not do your research well, you will wind up like most small businesses, and that is out of business in less then 6 months.

The most important thing to remember when opening up new business is the location. When doing your research for your new business you want to make sure you are the only business of your time in the area. If you are opening a video store you do not want to open near another video store. Remember if you are exclusive to the area, you will automatically get the business of those living in that area.

The next most important thing about opening a small business is you supplier. Do not have just one place to get supplies from, you should have several. By having more then one you can assure yourself that you are getting the lowest prices from them. And if they know about each other they will try to outdo each other to get your business.

Make sure that the products or services that you will be offering are desired, do not just decide to open up a store with out doing any market research is like playing craps, dangerous unless you really know what you are doing.

Advertising is important. Remember just like a casino you are trying to make money and not lose it. By spending some money on advertising you will increase your sales from your opening day. It is best to have a professional help you with your advertising rather then dong it yourself, there is no point in spending money on advertising if no one in your target demographic is going to see it. An example of this would be like using facial expressions to bluff in a poker game against blind players.

When picking your stock it is sometime better to have a better selection of items and maybe not so many of each item, this way you can see which items sell best and order more of those more popular items, and less of the less desired ones.


In business you should not try to open a business unless you already have experience running a related business. You may think you know how to, but to do it correctly you really need experience, after all if you were in a casino and looking to play poker you would not want a roulette dealer who is trying to figure out the rules as he goes would you? Chances are you would want an experienced poker dealer.

Depending on the type of business you are opening try keep your staff as small as possible, and if it is possible try to get friends and family to help you out. This will allow you to keep your costs low until you can really get a good idea of if you are making money or not. Once you are making money you can go out and hire people.

Saturday, October 16, 2010

Why Should You Write An eBook

The fact is that this is the perfect time to write an ebook. What the publishing industry needs are people who can tap into the world as it is today – innovative thinkers who can make the leap into the new millennium and figure out how to solve old problems in a new way. Ebooks are a new and powerful tool for original thinkers with fresh ideas to disseminate information to the millions of people who are struggling to figure
out how to do a plethora of different things.

Let's say you already have a brilliant idea, and the knowledge to back it up that will enable you to write an exceptional ebook. You may be sitting at your computer staring at a blank screen wondering, "Why?" Why should I go through all the trouble of writing my ebook when it's so impossible to get anything published these days?

Well, let me assure you that publishing an ebook is entirely different than publishing a book in print. Let's look at the specifics of how the print and cyber publishing industry differ, and the many reasons why you should take the plunge and get your fingers tapping across those keyboards!

Submitting a print book to conventional publishing houses or to agents is similar to wearing a hair shirt 24/7. No matter how good your book actually is, or how many critique services and mentor writers have told you that "you've got what it takes," your submitted manuscript keeps coming back to you as if it is a boomerang instead of a valuable mine of information.

Perhaps, in desperation, you've checked out self-publishing and found out just how expensive a venture it can be. Most "vanity presses" require minimal print runs of at least 500 copies, and even that amount will cost you thousands of dollars. Some presses' minimal run starts at 1,000 to 2,000 copies. And that's just for the printing and binding. Add in distribution, shipping, and promotional costs and - well, you do the math. Even if you wanted to go this route, you may not have that kind of money to risk.

Let's say you already have an Internet business with a quality website and a quality product. An ebook is one of the most powerful ways to promote your business while educating people with the knowledge you already possess as a business owner of a specific product or service.

For example, let's say that you've spent the last twenty-five years growing and training bonsai trees, and now you're ready to share your knowledge and experience. An ebook is the perfect way to reach the largest audience of bonsai enthusiasts.

Ebooks will not only promote your business - they will help you make a name for yourself and your company, and establish you as an expert in your field. You may even find that you have enough to say to warrant a series of ebooks. Specific businesses are complicated and often require the different aspects to be divided in order for the reader to get the full story.

Perhaps your goals are more finely tuned in terms of the ebook scene. You may want to build a whole business around writing and publishing ebooks. Essentially, you want to start an e-business. You are thinking of setting up a website to promote and market your ebooks. Maybe you're even thinking of producing an ezine.
One of the most prevalent reasons people read ebooks is to find information about how to turn their Internet businesses into a profit-making machine. And these people are looking to the writers of ebooks to provide them with new ideas and strategies because writers of ebooks are usually people who understand the new cyberspace world we now live in. Ebook writers are experts in Internet marketing campaigns and the strategies of promoting and distributing ebooks. The cyberspace community needs its ebooks to be successful so that more and more ebooks will be written.

You may want to create affiliate programs that will also market your ebook. Affiliates can be people or businesses worldwide that will all be working to sell your ebooks. Think about this? Do you see a formula for success here?

Figure out what your subject matter is, and then narrow it down. Your goal is to aim for specificity. Research what's out there already, and try to find a void that your ebook might fill.

What about an ebook about a wedding cake business? Or an ebook about caring for elderly pets? How about the fine points of collecting ancient pottery?

You don't have to have three masters degrees to write about your subject. People need advice that is easy to read and easily understood. Parents need advice for dealing with their teenagers. College students need to learn good study skills - quickly. The possibilities are endless.

After you've written your ebook

Getting your ebook out is going to be your focus once you've finished writing it, just as it is with print books. People will hesitate to buy any book from an author they've never heard of. Wouldn't you?

The answer is simple: give it away! You will see profits in the form of promoting your own business and getting your name out. You will find affiliates who will ask you to place their links within your ebook, and these affiliates will in turn go out and make your name known. Almost every single famous ebook author has started out this way.

Another powerful tool to attract people to your ebook is to make it interactive. Invent something for them to do within the book rather than just producing pages that contain static text. Let your readers fill out questionnaires, forms, even crossword puzzles geared to testing their knowledge on a particular subject. Have your readers hit a link that will allow them to recommend your book to their friends and associates.
Or include an actual order form so at the end of their reading journey, they can eagerly buy your product.

When people interact with books, they become a part of the world of that book. The fact is just as true for books in print as it is for ebooks.

That's why ebooks are so essential. Not only do they provide a forum for people to learn and make sense of their own thoughts, but they can also serve to promote your business at the same time.

Online Forum Etiquette

It seems that every other article or guru tip you read extolls the benefit of one program or another as the absolute best way to enhance your internet marketing business. In reality, there are many ways to boost your business online - writing articles, search engine optimization, acquiring incoming links - the list goes on and on. But what about online forums? Are they really worth the investment of your time, effort and energies?

The answer really is quite simple, YES! If you are looking for effectiveness, looking for ways to enhance your web presence in a significant way, without spending a fortune--then forums are the ticket! One of the best ways which is often overlooked is to find forums relating to your line of business and join as many as reasonabily possible. Being a frequent participant on forums can increase links back to your website, increase your chances of being seen as an expert, increase your mailing list, sell more of your product, get new affiliates to sign up, make you new friends - and the benefits get extensive.

However, there are some things to think about before you get started in a forum. Your purpose is primarily to establish yourself as a knowledgable person (even a guru of sorts). You do this through a careful etiquette and approach. Here are a few helpful hints of good forum etiquette:

Things to Help Your Business (These are the GOOD Ones!):

1. Research each forum before you join. Make sure it's relevant to your business and see if the participants are in your target market. Look at how much traffic the forum gets. How busy is it? There's no point in joining a dead forum with very few posts.

2. Check the forum rules before you post. Some forums will allow you to post adverts for your business while others will object. Check if you are allowed to add a signature at the end of your posts - adding

a small biography with a web link to your business is a great way to increase incoming links to your site and to get more traffic.

3. Be polite and treat everyone the way you would like to be treated. Even though you don't meet people face to face you will build up some great relationships if you take the time to give good answers to questions, to be helpful and to respect other people's opinions. And every post you answer adds to your reputation. Use your posts to give genuine, useful advice, not just to plug your business and you'll soon be looked on as an expert.<

4. Don't be afraid to ask for advice - no-one knows everything and sometimes you will need help.

5. To make the most of your time on the forums, allow yourself only a certain amount of time each day.

6. Read only the posts that are relevant and that interest you and post answers quickly before moving on. It's very easy to spend the whole day on forums and not get anything else done.

Things that will Hurt Your Business (These are the BAD Ones!):

1. Never, ever use a post to blatantly advertise your business, particularly if the forum rules don't allow it. Nothing will damage your reputation faster than spamming a forum.

2. Don't go through the list of forum members, collect email addresses and send them unsolicited mail. At best you'll be banned from the forum and at worst the owners might report you to your ISP.

3. Don't ever get involved in a flame war (this is when a heated conversation on a forum boils over and degenerates into nothing but an exchange of personal insults). It might be really satisfying to say what you think about someone, especially if they've been getting on your nerves, but just imagine what other people will think of you if you do.

In conclusion, treat people online like you treat people in real life. Think of it as a networking event that's taking place on your computer and don't forget that other posts on the forums are made by real people with real feelings. You already know how to make friends and new contacts face to face. Apply what you already know to online networking and you could be enjoying great success with a global audience. Before you know it, you will have gain a tremendous amount of information, knowledge, networking contacts, friendships, and potential business venture partners for the future. You will be amazed at how extensive the list of benefits for forum exchange can be.

Friday, October 15, 2010

Indirect Advertising

I am reasonably certain that anyone reading this article is familiar with all the free online advertising methods such as the all-too familiar Sp-m emails, Classified Ads, FFA pages, Banners, Text Ads, Traffic Exchanges, Newsletters, Guaranteed Visitors, Paid to Read, Paid to Join, Link Swaps, Pop-ups, as well as many other types of 'In-Your-Face' advertising, some of which may have been dreamed up since this article was written.

What I would like you to consider is this: What do you think when you see this kind of stuff yourself? More to the point, what is your 'Frame of Mind' at that moment?

My guess is you think, "Here we go again..." and your shields go up. You pull up your waders and trudge on through, oblivious to the thousands of messages ricocheting off your armor as you collect a few more hits for your own website promotion or product offer.

With Millions of would be online Millionaires doing this hour after hour and day after day, is it any wonder that the Internet slows down to a crawl and even stops at times?

Now consider the "Frame of Mind" of a visitor that came looking for you to see what you are doing. Maybe even to ask a few questions and give you permission to email them. Does this sound like a more productive environment?

The online equivalent to this scene is being played out today and every day and you can participate for free. It is called 'Social Networking' and more information on this is easily found with your favorite search engine.<

Imagine if you are no longer perceived as another 'Salesman' but as a "Fellow Business Person" with similar problems and often good ideas for their solutions. Much like Napoleon Hill wrote about in his world renown-book, "Think and Grow Rich", you could be a team member of a virtual Mastermind Group. Chamber of Commerce Mixers have been an example of this approach for years and have been very successful for some who get it. Now you can accomplish nearly the same thing for your home business from your own computer.

Keep in mind, this should not be just another place to plaster your links. The strongest relationships are formed by giving first. Do a mental inventory and come up with something you know or have that would help others more than yourself. Find a way to offer it with no strings attached, no signup or email address required, just give it freely. I know it sounds crazy in this dog-eat-dog world, but trust me it works.

Alright, now it is all up to you. Continue contributing to the degradation of Internet bandwidth with the huge numbers of attempts required (many not even reaching their target) to get a single response, or try something that builds future relationships with new friends that are truly interested in what you are doing and not just trying to sell you something.

Tips for a Successful Entrepreneurial Pitch

One of the hardest presentations to make is the entrepreneurial pitch. You have a great idea for a business and you want someone to give you money to make it happen. The problem is that venture capitalists, angel investors, and even rich uncles are heavily predisposed against you. Why? Because 99% of the pitches they hear sound like sure-fire prescriptions to lose money!

If you are pitching investors to give you money for a new venture, you should subscribe to the following rules:

1. Explain exactly what your business is within the first thirty seconds. Many entrepreneurs waste valuable time giving loads of data, background and other info-all the while investors are left scratching their heads thinking "What does this business actually DO?"

2. Tell your audience who your customers will be. Paint a vivid, specific picture of these people.

3. Explain why your customers going to give you there hard-earned money.

4. Explain who your competitors are. (And if you say you have no competitors, that is a certain sign you are unsophisticated and deserve no investment money!)

5. Explain why you are the ONE to make this happen.

6. Give your presentation with confidence and enthusiasm. Investors want a founder/CEO to be a chief salesperson; they want to see that you can convince the world of your dream-not just them.

7. Explain what star you can hitch a ride to. Has Best Buy or Radio Shack agreed to distribute your new product? Investors feel much more comfortable knowing you have an established player willing to distribute your wares.

8. Ask for a specific amount of money. If all you do is ask for money, then you can't complain if an investor gives you $3.25 for a cup of Starbucks coffee.

9. Tell prospects exactly what you are going to spend the money on (hint:a trip to Maui for you and your friends will not impress)

10. Dress well, act confident, and put on the air that you don't really need their money, but would be willing to accept it if they bring enough to the table to be a strategic partner for you. Sad but true regarding human nature, but people are much more likely to give you money if they feel you don't really need it.

Finally, make each pitch presentation serve as a focus group for your next presentation. When one group of investors asks you a series of questions after you pitch, write down all of those questions and make sure most of them are answered in your next pitch so that the next group doesn't have to ask them. Keep pitching and keep improving your pitch and eventually you may get funded.

Best Affiliate Programs

Huge amounts of People are swarming to the Internet in hopes of creating an online net working business. Many have done just that and gone on to replace their day job. How exciting is that? The opportunities are there they just have to be found and then taken advantage of. Many times people either are afraid or don't have the patience it takes to be successful. If you are one of these people you have to take chances in life to be successful. Most of the Top Affiliate Programs are very inexpensive, many times free to join and easily affordable so give yourself a chance at the American Dream.

I see so many searches for affiliate programs on the Internet. You see searches for phrases like affiliate program, top affiliate program,
best affiliate program, free affiliate program and best affiliate program.

Many people are looking to start what they believe to be a top affiliate program. There are a lot of programs out there to choose from and many of them are scams. What does a person do that want or better yet must sift through the masses of programs.

In most of my articles you will find that I always suggest that you either use a website like mine that has an Affiliate Program page where my top programs are highlighted. There are many good web sites available to help you, whether you use mine or someone else's is up to you. Either way you need to use a good web site or be prepared to spend hours doing the research yourself. It can be done and you can be successful.

It is no wonder why many people have a burning desire to start working from home. I can tell you from my own experience it is very relaxing and quite enjoyable.

It is very important to understand that you can create a huge income, but it takes time. You will have to put forth some time and effort to be successful. Many times I find that visitors that frequent my site will join other data entry, online paid survey programs or which ever programs they like to create some additional income while they build their business. When you have some nice money coming in it helps keep your enthusiasm up.

You will need to do the following to get your exciting new work at home endeavor started:

1. Pick 1-3 programs that you feel will meet you long-term goals.




2. You will need a computer, access to the Internet and some extra time.

3. You should set up separate email address if possible.

4. Join the programs and get started.

5. Put forth the efforts required and have the necessary patience required to ensure your success.

In summary there are many good programs to choose from so do your research, choose from the best affiliate programs and take the next step. Do your research, choose the programs that you feel comfortable with, that meet your long-term financial goals, join and start creating income from the comfort of your home.

Please feel free to read more of this article by visiting my link in the resource box below. I always enjoy getting emails pertaining to my articles or my site. Your feedback is important to me.

Tuesday, October 12, 2010

Using Blogs To Generate Business

Most everyone on the internet has, at some point, run across blogs. Blogs are simply internet journals recording whatever happens to be on a writer's mind at a given moment. Typically written in an informal tone, blogs read as though the writer is having a friendly conversation with their readers. Though blogs have exploded in popularity, few online retailers understand that having a blog can be a very effective way to drive sales for their e-businesses.

Getting Started

The easiest way to start a blog is with a free commercial service, like http://Blogger.com or http://BlogSpot.com. All you have to do is just set up an account and start blogging. To create a blog that sits on your website, you can go to http://SixApart.com and choose from several software options.

It takes time to build a loyal base of readers, but you can start guiding traffic to your site by linking with relevant blogs. Go to http://Technorati.com and find blogs whose content ties in with yours. Link only to blogs with content that's useful and entertaining to your customers. Request they look at your blog and consider linking back to you.

For your product sales site, you don't have to blog about your product itself. Blog about things related to your product. If you sell camping gear, blog about the country's top camp sites, your hiking trip in the Appalachians, or the best time of year to visit Yellowstone. According to Anthony Perry, of http://BlogAds.com, "You can make your customers feel empowered if you inform them to make their own decisions, as opposed to just beating them over the head, saying, 'This is a great product! You should buy it!'"

3 Benefits of Blogging

In addition to educating your viewers, your blog provides you with several advantages:

1. The familiar tone of blogging creates a window for buyers to see there's a real person behind your site. The internet's an impersonal selling medium, but the personal nature of blogs creates an element of customer trust and loyalty to your brand.

2. By sharing your valuable knowledge, you're giving your customers a reason both to stay and to return. It's a proven fact that the more time a user spends on a site, the more likely they are to purchase something. The more your readers return for your expertise, the more you increase your sales.

3. Get feedback on your products, your site, and your customer service. Let your users leave comments, and find out what changes they'd like to see or what products they'd like you to carry. Says Perry, "Blogging's a tool that lets you communicate with your customer base in a way that's far more intimate than a monthly e-newsletter."

Monday, October 11, 2010

High Risk Lead To High Gain?

There are many myths and facts about investing. Some pseudo facts are that, high return investments are risky and low risk investments are safe. The truth is, there isn't any exact curve that'll give risks as a function of return. Low return investments can be very risky too when fraud happens, for example.

However, the pseudo fact that risk correlates with return have some truth in it. You need to understand what causes it.

Money doesn't make money. People make money. Someone else will have to work on that money so the money can produce more money. Let's call those people workers. Workers here include CEOs, Entrepreneurs, all the way to blue collar workers. Those workers organize various resources, including your money and themselves to maximize their yield.

How much each worker gets depend on supply and demand. Currently, due to centuries of prosecution and genocide, people that are risk taking enough to be entrepreneurs, or love to learn enough to be CEOs are under represented in the gene pool.

The market values the rare. So entrepreneurs and CEOs tend to get paid way higher salary than blue collar workers, which are often investors. The commies, realizing that, switches side by supporting the interests of capital owners against workers' interest by demanding lower CEOs salary.

Here, investors are those who just put their money and do nothing else for the business. If you invest in your business then you are both investors and workers. Your return as an investor is the amount of profit that the workers are willing to share you. For simplicity sake, let's just say that the business is already established with constant revenue.

Say the business earns $100,000.00 a year. Now, the total assets of the business might only be worth $100,000.00. So in a sense, the workers in that business just get 100% ROI per year right? However, even though the total assets of the business are only $100,000.00, the business isn't worth $100,000.00. Any business that yields $100,000.00 per year must be worth $500,000.00 at least.

Here's the catch. Why in the earth are workers willing to sell their businesses to you for a mere $100,000.00? Just like workers have market value, money's salary has market value too. We call it interest rate. The workers know that it's good enough for you to get 20% ROI per year.

Hence, he's not going to sell the business to you for $100,000.00. He's going to sell the business to you for $500,000.00. If you pay $100,000.00 he'll only agree to give you 20% of his business. You see. In a sense, business ventures do not follow the pseudo fact mantra of "High risk high gain low risk low gain." The risk and the gain depend on the skills of the entrepreneurs and not on those curves.

However, when offers come to potential investors, that mantra is used by workers to decide the ROI they feel the investor deserves. If the entrepreneurs realize that they their business is quite safe, he'll simply give investors low ROI. And that's how the low risk low gain high risk high gain mantra becomes a reality in the point of view of investors.

Exceptions to the Norm

If a woman works as a stripper, and gets paid, what's her ROI? Given that she's working on a job that absolutely needs no capital and she gets some money then the ROI is infinite right? I would disagree. You need to take into account her beauty, her boobs size, her sexiness, and her young age as assets too. We can think of the value of the assets as how much we're willing to pay her as a slave. In that case, the ROI is not really infinite. I think it's not much higher than typical ROI. You'll see more of it when discussing ones' worth.




Ones' own business can be thought of as an investment. You can buy a product for $10,000 and sell it for $16,000 and get 60% return within a month for example. Is it risky? No. many people do it every month. However, in a sense, it's not really an investment. If it is, we would have been a billionaire by just keeping on reinvesting. It's business. It's investment that we have to work for. In a sense, the real ROI is not really 60% per month because the business it self has a market value. Just to let you know that with some work, you can indeed get 60% return on some of your money.

However, you got to work on that money rather than just fire and forget. Hence, it's not an investment. It's more of a job like that of a stripper.

Savvy businessmen get huge return and do no work. In that sense, you simply need to recompute the real value of his business. So in a sense, that's not investments either because he can't simply enlarge his earning by infusing more money. The market value of his business is so huge. If you take into account the fair market value of his business as capital and profit as interest, you can get the ROI by dividing the profit with the fair market value. In that case, the ROI will usually drop to the standard amount again.

And then there are risks that's inherent not in the investment but in you. For example, investing offshore tends to be less risky than investing in your own country. Why? Well, you'll never know when the next time you bump into some frivolous lawsuits, or have some religious fanatic committing sweeping against your shops. The places where you live are the places you often end up fighting others. We'll talk about it more when we talk about offshore investing.

Some investing is quite bad. Putting money in the bank can often yield so little return that the return is actually less than the inflation rate. That means you actually lost money every year. In a sense that's risky too because you're guaranteed to lose your money every year. How's that for low risk low yield. However, people do put their money in the bank for the liquidity and to balance the risks on other investments.

Manipulating Yield and Risk

Risk and yield can be manipulated. For the same yield, investors can get less risk by diversifying his money. However, the process is cumbersome. Such processes turn investing into another business again. For the same risk, or for a very low risk, investor can increase yield by leveraging his money with borrowed money. This is usually done in real estate industry. Banks realized that land value are quite stable and hence are usually willing to lend money to land banking industry than most others.

Can You Get Rich Investing?

Remember back in the 1990s when a lot of people either retired early or became wealthy? It was relatively simple. With stock prices going up, up, up, I knew a lot of people who simply invested part of their paychecks. They ended up with several hundred thousand dollars in profits from their constantly rising stocks.

I knew others who had already amassed several hundred thousand by the time the stock boom came along. They were millionaires by the time the 1990s ended.

Ah yes, those were the days. Today most people will tell you it's a lot harder. Stocks don't seem to do much any more. You have to invest in risky emerging countries to see much return. And that chance can evaporate overnight taking your money with it.

When the stock market won't bring you any return, most people turn to real estate. But housing prices have peaked in most cities, meaning you can't just buy a house and sit on it for several years to earn a fat nest egg.

So does that mean we have to give up on ever getting ahead and just learn to be satisfied living the "average" life our jobs can provide?

Not necessarily. These days you have to think differently to get ahead. For example, you've noticed how manufacturing and jobs are heading out of North America to foreign countries. That's bad news for many workers, but it's GREAT news for some segments of the Foreign Exchange Market.


You see, when we buy products from China, or Japan ships products to England, all kinds of currency has to change hands and be converted. There is BIG money in that process.

FOREX, the foreign exchange market, handles 2 TRILLION in transactions EVERY DAY. That's far more money than what Wall Street handles. Just about anybody can jump in and pull out quite a profit for themselves by participating in the FOREX process.

Does all this sound a bit new to you? Most North Americans have heard very little about FOREX. They've got BILLIONS of dollars sitting in savings accounts and low yield investments that could make them a LOT more money in the Foreign Exchange Industry.

If you're thinking helping all those millions get their money transferred to FOREX is a HUGE opportunity ripe for the picking, you're RIGHT!

I hope my article has opened your eyes to some of the terrific opportunities that are being created now. Rather than looking back to the good old days of the booming American stock market and waiting for those times to return, refocus your attention on what is really happening right now. Your fortune lies in seeing more clearly the awesome opportunities at hand.

Saturday, October 9, 2010

Blocks To Creative Thinking And How To Solve Them

Each of us has the power to be creative. It's part of our natural make-up as human beings. The trouble is that, too often, we block our natural creativity and so make errors in thinking and give ourselves more problems than we should. Here are 7 ways to open up your natural creativity and keep the channels unblocked.

1. Don't Make Assumptions. When we assume, we often make an "ass" out of "u" and "me". Assumptions are examples of lazy thinking. We simply don't wait to get all the information we need to come to the right conclusions. There is the story of the customer at the bank who after cashing a cheque and turning to leave, returns and says: "Excuse me, I think you made a mistake." The cashier responds, "I'm sorry but there's nothing I can do. You should have counted it. Once you walk away we are no longer responsible." Whereupon the customer replies: "Well, okay. Thanks for the extra $20."
Tip: When you feel yourself wanting to draw conclusions, just wait until you have all the information.

2. See Things From Other Points Of View. A truly open mind is willing to accept that, not only do other people have other just as valid points of view from theirs, but that these other points of view may be more valid. A story is told that the modernist painter Pablo Picasso was once traveling on a train across Spain when he got into conversation with a rich businessman who was dismissive of modern art. As evidence that modern art didn't properly represent reality, he took out a photo of his wife from his wallet and said: "This is how my wife should look, not in some silly stylized representation." Picasso took the photo, studied it for a few moments and asked: "This is your wife?" The businessman proudly nodded. "She's very small," observed Picasso wryly.
Tip: Don't have a monopoly on how things are. Things aren't always what they seem. Be ready to consider other points of view.

3. Avoid Yo-Yo Thinking. Some people tend to have a tendency to swing from a highly positive mood one minute to a highly negative one the next, all because of what they see in front of them. It's like a yo-yo: up one minute, down the next. It's far more healthy to stay neutral and not let emotions get the better of you.
Tip: Remember that things are rarely as good - or as bad - as you think they are.

4. Get Rid Of Lazy Thinking Habits. Habit can be a major stumbling block to clear thinking and another example of laziness. Try this experiment. Write down the Scottish surnames Macdonald, Macpherson, and Macdougall and ask someone to pronounce them. Now follow these with the word Machinery and see what happens. Most people are likely to mis-pronounce it. This is because we tend to think in habitual ways and don't like what doesn't fit



Tip: Don't think that, just because things happened in a certain way once before, that they will happen like that again.

5. Don't Think Like An Old Person, Think Like A Child. Research shows that the number of synapses, or connections, in the brain is greater in a child of two than in an average adult. The reason for this is that, while a child of two has no limiting world view, as adults we do. It's like a sculptor who starts off with a large block of clay, more than he needs, and then gradually removes the clay as he moulds his sculpture. If we use our brain like a child, accepting everything without judgment, we can actually halt and reverse the brain ageing process.
Tip: Don't worry about the myth of age. With the right stimulus and a passion for learning, you can actually improve your brain's powers.

6. See The Detail As Well As The Big Picture. You may know the poem by John Godfrey Saxe called "The Blind Men and the Elephant". This tells how six blind men of Indostan go to see an elephant and each try to work out what it is from touching it. One blind man touches the tusk, another the trunk, another the tail, and so on. Of course, not being able to see the whole elephant, they come to wildly different conclusions.
Tip: Try to keep the big picture in front of you while looking at details. It will help to put everything in its proper place and context.

7. Think For Yourself. Taking time out to think is still frowned on in many organizations that prize activity over creativity. People who work in creativity-constrained organizations are likely to think the way they are supposed to think, or as others think, or as has always been the way to think. It's like the blinkered thinking that Hans Christian Anderson describes in his story of "The Emperor's New Clothes". Everyone in the land refuses to see that the emperor is naked and has been duped into believing he is wearing a splendid costume for his coronation. Only a young boy who has been ill and not party to the cultural brainwashing can see the truth and cries out: "Look, everyone, the Emperor is wearing no clothes!"
Tip: Don't let others tell you how to think. When others ask your opinion, tell it to them straight.

Once you make these 7 techniques part of your habitual thinking patterns, you will amaze yourself with how easy it is to come up with fresh, innovative and creative solutions to all of life's problems.

Niche Markets

If you are attempting to start a business online or if you are simply trying to increase your traffic and revenue, focusing on a niche market can give you the edge that you need in order to reach the high goals that you have most assuredly set for yourself. There are so many different niches in the overall market that any web site on any topic can find a niche and fill it. When you specialize, you are more likely to succeed.

The most powerful tactic in the history of warfare is the classic divide and conquer routine. You can make an obscene amount of money if you can take over one niche market and then another and another. Focusing on smaller groups of people and dominating their needs in a particular area is the best way to effectively spend your resources.

When you attempt to evaluate your market keep in mind that there are people in your market that you wouldn't normally associate with it. There are a small number of people who live in the suburbs who would like to wear cowboy boots. If you can target your products at groups such as these you are more likely to sell to them than someone who would target the cowboy boots to... well.. cowboys.

Finding niche markets can be a daunting task. Basically, you can ask yourself a few questions that will assist you in finding the niche market that is right for you.

1. What experience do you have with the products that you are selling? If you are an expert in the field of your sales, you are more likely to succeed than most. Try to come up with the reason that you got interested in the products that you sell. Figure out what kind of people are most likely to be interested in your products and then try to come up with some groups that aren't so quickly thought of but that may find it fashionable or interesting to purchase your products.

2. Who was the product that you are selling designed for? Cowboy boots were designed for cowboys. There are people who have never stepped foot on a farm who will wear cowboy boots, but they were designed for cowboys. Try to think of what group of people the product was designed for and what other groups can be cut out of the same mold. I.E. country folks, suburbanites, city dwellers, inter-city dwellers. You are not as likely to sell cowboy boots to inter-city people as you are to suburbanites.




3. Are any of these groups already targeted for your product? If somebody is already targeting the niche that you came up with, you may be able to decipher whether or not there is still room in that market for you. If your competition has been selling the cowboy boots like hot cakes in the suburbs there may still be time for you to make some money off of them.

4. Can you target your niche better than anyone else? If there are already companies selling your product to the group that you wanted to select as your niche market, you still may be able to be the most successful. Just because you are not the first doesn't mean that you can't be the best. If you can target a group of people better than anyone else due to some experience, tendency, or inborn characteristic, go for it. Competition is important, without competition nobody would ever become successful.

5. How well can you optimize your niche for search engines? You may be able to come up with an excellent niche market that you can provide for better than anyone else. This niche may be completely original, and you may have the resources necessary to really get it off the ground. But does it have the potential to top any search result sheet? Will anyone ever come looking for it? If not you may have to start off by advertising on pay per click advertising services such as adwords before you get a chance to really thrive on your fresh new niche market.

If your niche market can fill up a few slots for key words you are in better shape than most. It is normally very difficult to come up with good, comprehensive key words for your web pages. The best situation that you can encounter is one in which your key words are more or less laid out for you. If you have a catchy little gimmick or a highly targeted niche market you should be able to come up with a good set of relevant key words. Having relevant key words is most of the battle in the whole SEO game. Any SEO that can come up with a good, comprehensive list of key words will probably do quite well in the world of business.

Wednesday, October 6, 2010

Martial Arts Definition

Martial Arts are the various forms of self-defense, usually weaponless, based on techniques developed in ancient China, India, and Tibet. In modern times they have come into wide use for self-protection, as competitive sports, and for exercise. Jujitsu teaches skills that enable one to overcome a bigger, stronger opponent. A popular style of jujitsu is aikido, which uses wrist, elbow, and shoulder twists and graceful falls; it is noncompetitive and incorporates various spiritual concepts. Other popular forms of martial arts include kung fu, karate, and tae kwon do, all of which emphasize blows with the feet and the side of the hand, and kendo, in which leather-covered bamboo "swords are used. All styles emphasize allowing ki (cosmic energy) to flow through one's body. This belief in ki connects aikido with t'ai chi ch'uan, a meditationlike discipline that emphasizes slow, graceful body movements. The most popular form of individual exercise in China, t'ai chi is often performed publicly in large groups; it has been claimed to reduce stress and lower blood pressure. Judo, a Japanese sport created in 1882, makes use of jujitsu principles. Capoeira, a dancelike Brazilian discipline, is gaining in popularity.

martial

Pronunciation: 'mär-shl

Function: adjective

Etymology: Middle English, from Latin martialis of Mars, from Mart-, Mars

Date: 14th century

1 : of, relating to, or suited for war or a warrior

2 : relating to an army or to military life

3 : experienced in or inclined to war : WARLIKE

- mar.tial.ly / adverb

Martial Arts

The term "martial art" is used in (at least) two different ways. This can be confusing. Some dictionary definitions only make things worse.

The dictionary definition handy at the moment defines a martial art as "Any of several Oriental arts of combat or self-defense, as karate, judo, or tae kwon do, usually practiced as a sport."

Typically this group uses "Martial Art" in one of two ways:

1) The first definition is a generic one, which defines a "Martial Art" as the study of any kind of combat and/or self-defense techniques.

This definition includes non-oriental arts like boxing. This definition includes both those arts practiced primarily as a sport, and those arts practiced primarily for self-defense. This definition includes those arts that emphasize only physical technique. This definition also includes those arts that emphasize a philosophical or mental aspect in addition to physical techniques. In its broadest usage, this definition includes learning how to drive a tank or drop bombs out of a plane as a Martial Art. This explains the somewhat facetious references you will see to "Gun Fu", the martial art of learning how to use firearms (implying, as the dictionary definition does, that a martial art must be oriental to be legitimate). <


2) The second definition is much narrower, and draws a distinction between a "Martial ART" and a "Martial WAY". To offer a gross simplification:

A martial art is the study of an art that emphasizes only physical techniques. Perfection of technique is the primary concern. A martial way emphasizes the study of both physical techniques and a philosophical or mental aspect as well. Perfection of the self is the primary concern. The emphasis on this distinction is very clear for those arts that have Japanese names. Typically, Japanese martial *art* style names end in "jutsu", such as "jiu-jutsu", "aiki-jiujutsu", or "ken-jutsu". Typically Japanese martial *way* style names end in "do", such as "ju-do", "aiki-do", or "ken-do".

art

Pronunciation: 'ärt

Function: noun

Etymology: Middle English, from Old French, from Latin art-, ars -- more at ARM

Date: 13th century

1 : skill acquired by experience, study, or observation

2 a : a branch of learning: (1) : one of the humanities (2) plural : LIBERAL ARTS b archaic : LEARNING, SCHOLARSHIP

3 : an occupation requiring knowledge or skill

4 a : the conscious use of skill and creative imagination especially in the production of aesthetic objects; also : works so produced b (1) : FINE ARTS (2) : one of the fine arts (3) : a graphic art

5 a archaic : a skillful plan b : the quality or state of being artful

6 : decorative or illustrative elements in printed matter

synonyms ART, SKILL, CUNNING, ARTIFICE, CRAFT mean the faculty of executing well what one has devised. ART implies a personal, unanalyzable creative power . SKILL stresses technical knowledge and proficiency . CUNNING suggests ingenuity and subtlety in devising, inventing, or executing . ARTIFICE suggests technical skill especially in imitating things in nature . CRAFT may imply expertness in workmanship .

Martial Arts

A martial art is any skill that can be applied in warfare. The word martial means "military." So, a martial art is a military art. Most people don't really consider that when they think of the martial arts. The first things that usually come to mind are leaping, kicking, punching, blocking, inverting elbows, twisting necks, throwing, and sword fighting. That is a very narrow view of the martial arts, though. Did it occur to you that horsemanship, javelin throwing, archery, spear fighting, halberd fighting, wrestling, knife fighting, rifle, shotgun, and pistol shooting, demolitions, logistics, and battle strategy are all martial arts? Anything that a soldier might do in battle is a martial art.

Bankruptcy

No one ever expects it to happen but everything get out of control and you are in debt far over your income. No one wants to think about filing bankruptcy but sometimes you just don't have a choice. Chapter 7 bankruptcy allows you to emerge from a difficult experience and start all over. Chapter 7 bankruptcy is when a debtor's assets are sold and the money is distributed to his creditors. If a debtor has no assets, his fresh start is achieved that much quicker.

Chapter 7 is the most common style of bankruptcy. This type of filing is most common, claiming about 65% of all bankruptcy filings. As long as the creditors have no objections, the debtor can be free of debt within a few months.

A debtor will not lose their house or car if they agree to continue to pay for these items. Many people are unfamiliar with this information and won't even check into Chapter 7 bankruptcy. The only drawback to Chapter 7 is that you are unable to file bankruptcy within six years after a previous bankruptcy discharge.

How do you file a Chapter 7 bankruptcy claim? The easiest answer to this is to contact a bankruptcy attorney. There are forms to be completed and filed with the court system. An attorney will lead you through this procedure. It is very important to answer all questions truthfully.

No one ever thinks they could possibly have to file bankruptcy. It is comforting to know that if things get bad enough you do have an option. It is also reassuring to know that you don't have to lose your house or car when trying to make a new beginning.

A Way To Ease The Pain - Chapter 13 Bankruptcy

The debts have been mounting up and you are getting farther and farther behind in paying them. You want to pay them but you are not sure exactly how to get that done. Chapter 13 of the bankruptcy code allows you to do exactly that. You can pay your bills back at a lower interest rate or no interest rate at all. A Chapter 13 bankruptcy allows you to keep your assets. This type of bankruptcy is for those who have a regular income and can afford request an adjustment. Chapter 13 bankruptcy gives you five years to repay your debts. During these five years, an attorney will oversee the process for both you and the courts.


A Chapter 13 bankruptcy allows the debtor to keep their property. The courts will set them up on an interest free plan of repayment. There will be a written plan drawn up to protect both the debtor and those that he owes. Once this plan has been written and approved the repayment process must begin in thirty to four-five days. The repayment plan does not have to involve a trustee, but could if desired. The creditors are bound by law to adhere to this plan and are unable to collect any other claims from the debtor. You will work with your attorney to set up a reasonable repayment plan for you.

Chapter 13 bankruptcy has a full discharge option when the debtor has completed all the required payments. This type of bankruptcy plan also allows for a repayment plan even if the creditors disagree with it. They do have the option to file an objection, but if it has been approved by the court these circumstances don't allow them a lot of options. If you want to repay your debts but at a slower rate this is probably the way you want to go. You get out of debt and get to keep all your property.