Billion dollar advertising budgets means good news for the thousands of people who get paid to take surveys online. The reality of making a great income from the comfort of your own home is very possible with paid surveys. http://www.instantlywealthy.com http://blogs.law.harvard.edu/tech/rss Tue, 12 Apr 2005 23:02:56 -0700 Tue, 12 Apr 2005 22:59:13 -0700 FeedForAll v1.0 (1.0.0.2) unlicensed version Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Who Wants To Be A Millionaire? By Michael Moore. Steve Martin once delivered an opening monologue for Saturday Night Live in which he answered the age-old question “How can I be a millionaire?” His answer was fairly simple and straightforward, “First… get a million dollars.” If at this point you can’t help but feel that Mr. Martin performed an extraordinary feet of oversimplification that night, then I urge you to read on, and hopefully, by the time you finish this essay, you’ll be convinced that becoming a millionaire isn’t nearly as difficult as everyone makes it out to be. Through a simple three-step process which I will lay out clearly, the keys to the millionaire’s club will be shown to be available to anyone willing to merely reach out and grab them. Before you begin any financial strategy, you must realize that there is a vast difference between what you earn, what you own, and what you’re worth. The amount of money that you earn from going to work everyday is known as your income, and has relatively little to do with your financial status. The sum of the value of all of your possessions is known as your wealth, and is a closer guideline. Net worth is the real gauge of how close you are to becoming a millionaire, as it is the value of all of your assets, subtracted by your total debt. Now that you see that having a large income is not the end all guarantee of financial security, let’s move quickly to what you can due to get that million dollars that Mr. Martin so accurately described as the first step to being a millionaire. The first phase in your journey involves understanding that time is of the essence. For those who start investing at an early age, the power of compound interest turns time into their greatest ally in wealth-building. Once you have been investing for long enough, your investments will begin to consistently, and eventually rather impressively, outperform your paycheck. This is true no matter what level of income you have already achieved. If you have an annual salary of $50,000, and invest only 10 percent of that each year, earning a 10% annual rate of return on your investment, in 25 years you will have amassed over half a million dollars. At this point you will be earning over $50,000 each year in interest. Continue saving at that rate for another 10 years and you will find yourself earning $150,000 annually in interest. 10 percent of your income may seem like a lot, but if you can find an investment which directly debits the money from your paycheck each week, you will be surprised to find yourself able to live without it. Another way to ease the pain of that 10% decrease in take home pay is to use part or all of it as an excuse to lower your tax burden, which I will discuss later. Now that you’re salting away 10 percent of your income each week, and can’t possibly imagine affording anymore, let’s talk about how you can make one of your largest living expenses work for you rather than against you. I am of course talking about the money that you spend providing shelter for yourself and your family. Owning a home is the single largest investment that most people will make in their lifetime, and that is why moving from renter to home owner is your next step on the road to becoming a millionaire. The growth in the value of real estate in this country makes owning a home not only a wise investment, but also a hedge against inflation While many Americans pour their money into renting a house, effectively flushing it down a toilet they don’t even own, you should be using yours to cover the mortgage payment of the most profitable purchase you’ll ever make according to some financial experts. While it’s true that owning a home does come with certain expenses which a landlord normally covers for those who rent, the tax advantages which you receive for paying the interest on your loan help to offset your out of pocket expenses. The less money you give to Uncle Sam, the more you have available to turn into improvements which increase the value of your home, as well as to put into your other investments, such as a 401k plan at work, or an IRA. The final step in your quest to become a millionaire is to make sure that as much of the money you earn as possible is there for you to invest. That means giving as little as possible to your greedy Uncle Sam. There are two simple ways to beat the tax man, thereby increasing the amount of money available to help build your net worth. Pretax investment vehicles, such as a 401k, traditional IRA and 529 college savings plans, allow you to lower the amount that your employer deducts from your weekly paycheck to cover your state and federal tax liability. The only drawback to these types of investments is that once you pull the money from the account, taxes are due in full. You do however get the benefit of watching your money grow tax free for years, which allows the concept of compound interest which I discussed earlier to work harder for you than it would if your money was in a traditional savings account. A traditional savings account is one of the worst investment vehicles available. Along with the comparatively low rates of interest which savings accounts earn, any money that you do earn is subject to annual taxation. To avoid paying taxes on the money you withdraw once you become an independently wealthy millionaire, you should set up a Roth IRA. A Roth IRA is funded with after tax dollars, which may leave you wondering how that helps you avoid paying taxes. The fact is though, that in a Roth IRA, all the money you earn is yours to keep. Uncle Sam can’t take a penny of the money that you accrue in interest, meaning in the long run, the tax advantages are far better than any other form of investment. I’ve just shown you in three easy steps how you can take advantage of the unseen forces of the financial world to grow your net worth at an alarming rate, now all that is left is for you to follow my advice and wait patiently for compound interest to work its magic. By avoiding taxes to the greatest extent possible, turning you home into an investment, and most importantly of all, not waiting to start saving, you too can be a millionaire. What you do once you get that million dollars is up to you. Michael Moore is a successful author who provides information on home loans and debt consolidation. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: The Mathematical Formula For Making Money By Angelo Ioanides. No matter what markets you serve; what products you sell; or what marketing tools you use, in business there's one truth you cannot escape. Embrace this truth and profits will flood your business. Disregard this truth and financial-cancer will eat you. What is this truth? Quite simply, the size and speed of your entrepreneurial success is directly proportional to your understanding of The Mathematical Formula For Making Money. Despite serving as the corner stone of every single commercial success since the dawn of commerce most businesses neglect its power. Being so familiar with the diluted version of the formula these businesses overlook the enormous profit-potential held within. The Formula Mindful of this blind-spot, let's now take a close look at the Mathematical Formula For Making Money: Leads x Conversion Rate = Customers Customers x Average Dollar Sale x Sales Per Customer = Gross Profits Gross Profits x Profit Margin = Net Profits Please pay close attention to what I am about to tell you: your number of customers; your gross profits; and your net profits are the least important figures in this formula. Why? Because they merely represent outcomes. They tell you how good or bad you're doing without telling you why. And without knowing why you're doing so well (or so bad) you are in no position to fix the cause with speed and accuracy. All you can do is guess and implement random strategies in the hope that one day your results will improve. The real power of this formula is stored within the five highlighted variables (a.k.a. levers). A Demonstration Of Power Quite literally, when you apply these levers to your business your profits will increase exponentially. Allow me to demonstrate. Assume for the moment that your business currently operates under these circumstances: Leads Per Annum = 10,000 Conversion Rate = 0.1 (10%) Av. Dollar Sale = $50 Sales / Customer = 2 per annum Profit Margin = 0.2 (20%) Plugging these into the formula gives you a net profit of $20,000 per annum. Let's now demonstrate the impact of improving progressively more levers without increasing your overall effort: Case #1: Improve leads by 100% Net profit = $40,000 Profit to Effort ratio = 1:1 I.e. for every % increase in effort you get the same % increase in profit. Case #2: Improve leads and conversion rate by 50% each. Net profit = $45,000 Profit to Effort ratio = 1.25:1 I.e. for every % increase in effort you get a 1.25% increase in profit. Case #3: Improve your leads, conversion rate and average dollar sale by 33% each. Net profit = $47,052 Profit to Effort ratio = 1.35:1 I.e. for every % increase in effort you get a 1.35% increase in profit. Case#4: Improve all levers except profit margin by 25% each. Net profit = $48,828 Profit to Effort ratio = 1.44:1 I.e. for every % increase in effort you a 1.44% increase in profit. Case #5: Improve all five levers by 20% each. Net profit = $49,766 Profit to Effort ratio = 1.49:1 I.e. for every % increase in effort you get a 1.49% increase in profit. Observation: By simply increasing the number of levers you improve you magnify your leverage. In other words, for the same amount of effort, the more levers you improve the more your profits improve. In this example we see that by spreading your effort over all five levers you increased your net profits by $29,766. Compared to the $20,000 increase gained from improving only one variable we see that your profit growth is almost 50% greater for doing nothing more than spreading your resources over all five levers. Imagine all the extra money you could be generating right now without any extra effort. All it takes is a simple change in focus. Conclusion: To leverage your efforts for maximum returns you must focus on improving all five levers in your business. An Even More Powerful Demonstration Next, let's demonstrate the impact of improving all five variables by progressively larger amounts: Case #1: Improve all 5 levers by 10% each. Net profit = $32,210 Profit to Effort ratio = 1.22:1 N.B. Here's how to work out the Profit to Effort ratio. First of all work out the % increase in profit. This is derived by taking the original profit of $20,000 away from the new Net Profit and dividing the result by $20,000. In this instance our $12,210 increase in profit represents a 61% growth. Next, determine the relative effort by simply adding the % increases in each lever. In this example our relative effort is 50% (i.e. 5 x 10%). Finally, divide the % increase in profit by the % relative effort and you'll have the Profit to Effort ratio. Case #2: Improve all 5 levers by 25% each. Net profit = $61,035 Profit to Effort ratio = 1.64:1 Case #3: Improve all five levers by 50% each. Net profit = $151,875 Profit to Effort ratio = 2.64:1 Case # 4: Improve all 5 levers by 100% each. Net profit = $640,000 Profit to Effort ratio = 6.20:1 Observation: As you continue to improve all five levers the magnification factor on your net profit increases at an exponential rate. In this example we see that when we doubled our effort from case #2 to case #3 our leverage increased by 61% (i.e. ((2.64 - 1.64) ÷ 1.64) x 100). But when we doubled our efforts once more from Case # 3 to case #4 our leverage increased by 135% This has to be one of the most magnificent realisations you could ever make in business. Conclusion: Never stop improving all five levers of your business. A Tragic Habit - And How To Fix It Clearly these two examples demonstrate the power of leveraging all five variables in your business. Tragically, most businesses seem to care about only one of these levers - the number of leads. To make matters worse, of all the levers this one will cost you the most to improve! So if you're stuck in the 'drive- more-traffic-to-my-business' trap - STOP! Instead, harness the multiplying power of all five levers and you'll find that your profit to effort ratio will skyrocket. Or to put it another way, by applying all five levers to your business (instead of only one) you will make more money with less effort. Right about now you may be thinking to yourself, "That's all well and good in theory but how could I possibly increase all five levers by such large amounts?" Although there are over 200 ways to amplify these levers space restrictions preclude me from discussing the how-to's here. What's important for now is that you understand the magnifying potential stored within this formula. With this understanding achieving a 100%, a 200% or even a 1000% increase in profit is well within your grasp. About The Author Learn how to systematically amplify all five levers of the Mathematical Formula For Making Money quickly and easily. Enrol in the FREE Web Baron E-Class now: http://www.outrageousprofit.com/minicourse/af.asp?id= 108 angelo@marketingunveiled.com Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Thought Creates Reality Even When It Comes To Money By Joseph Clark. What if I told you that reading a book would also change the way you react to the demands that rest upon your shoulders by the system of money you live under. Would you click HERE to learn more about that new way of perceiving your own money situation that would change everything for you especially where money is concerned? What if I told you that reading a book would also change your thoughts and beliefs about money, and change the very reason you have less money than you need and/or desire. Would you click HERE to learn more about a different way of believing in yourself and the money of the world’s money systems? Money is not made by hard work and long hours as so many tell you that it is. Just look at the rich and very rich, they do very little work at all. Only a few of them had to work hard to get to the top. No instead it was their way of thinking and believing in themselves and a perception of the way money is generated for them that got them to where they are. If I told you that reading a book can alter your perception about money (YOUR MONEY) in a way that would relax your worries about money that would also allow you to draw more money to you with less work. Would you click HERE to learn more? This would also lessen the demands on your current cash flow because you would have more money. PROBLEM In today’s system of money and government there is a problem of lack of money for a vast majority of people and the ever-looming control of people from the government and the legal system. Everyone is stuck in a state of mind that depends 100% on money. It matters not how much or how little money you have. Do you know how it is that they are controlling the population so easily? Do you agree that knowledge is power? When people understand how money is used and the effects of the control placed upon the people they will be able to easily throw off that control and all the financial burdens you are currently carrying and paying for at the cost of you time away from home and the stress on your health that are needless in your life. The lack of understanding today in the use of money and the ever increasing control, burdens and all that comes from today’s life styles are gaining momentum in a way that is disastrous to us as a people and the to earth itself. People just do not see the control or the effects of this because like the science project we all learned in school where the boiling frog just sat in the ever-increasing hot water and allowed himself to boil to death. We all feel the effects in many forms many of us complain verbally about the problems we encounter with lack of money, but few ever understand the actual root cause of how and why we have these stressful burdens. The system(s) of earth are in dire trouble and will soon loose control of the monetary system. Recently president traveled around the country pitching a new bill to the people stating the social security system will be bankrupt in 13 years. They are in deep financial trouble and they know it. This book presents for thought little known facts people are unaware of, what is going on behind the scenes and the effects of what this means, it provides an easy cure for the money problems we all experience. Pressure struggle anxiety, etc are all related to the system we live under but we just do not see the cause or the absolute root of the problem. I have hinted at it strongly but do you know exactly what that is or will you click HERE to learn more? HERE = www.discharge-debt.com/id70.htm ISBN 1-933037-51-2 Visit the authors website above where you can search inside the book and order signed or unsigned copies as desired. SOLUTION The solution is to first understand the cause and then the effects of the cause. From this understanding we automatically change our perceptions of the problem. This also changes the conscious awareness of the whole planet. One person’s change in perception does change the whole game since each person is firmly a part of the mass consciousness. Yes one minds perception and state of mind can make a big difference in the whole of mass consciousness far more than you know. The solution to this can be found in the book “Once Upon A Time There Was No Money” Click HERE this book provides a whole new way of understanding money and the system of control that is all around us. In this book is a new understanding in money matters for today and for the future to come. It reveals facts and wisdom knot known by most people on many different levels. BASIS OF THIS UNDERSTANDING The materials presented in this book are the understandings that comes from a lifetime of struggles with money the school of hard knocks and the personal restructuring of life through the teachings that come direct from the higher realms via channeled entities that have our continued evolution on earth as their primary concerns. This information is given today for today’s people because we as a people are in the now of today and not back 2000 years ago when the information that came through then was for the people of that time. Today’s channeled information is for today’s people with today’s life styles with all of our current issues and problems at large. The changes to come will happen weather we are aware of it or not, would you rather be informed or wake up one day to find the world changed without you? Editorial Reviews ONCE UPON A TIME THERE WAS NO MONEY is a book advocating non-force means to circumvent monetary and governmental institutions so that people may eventually become freed from money's effects on humanity. The information is delivered in that of a futuristic classroom narrative where students learn about money and its institutions from what would be their historical perspective. The spiritual messages about energy, belief and evolution are strongly written and timely, in that humanity is creating and consuming this information at record rates. The vision for the future (largely communicated through the classroom dialogues) is a clearly articulated statement of possibility for what can be when equity is established through the elimination of money; the imagination of possibility is ultimately what creates change. Heliographica editorial Dept. About the Author Joseph Clark is a highly spiritual man that has had a wide range of diverse worldly experiences over the past 5 decades. He has walked in many shoes from an average Joe to a business owner and currently is the author of books dealing with human evolution, now and in the future of all humanity. He has for the past 14 years intensely studied the world of the divine and the correlation of people currently in physical biology and the relation of the human to the higher aspects of their existence in the physical world. From an early age he was drawn by a sense of an inner direction toward the metaphysical and divine interaction of people to the higher realms of understanding. This was activated through his personal guides that kept leading him to new off world understandings. He has had many personal experiences of the divine existence within himself from out of body experiences to dealing with the drudgery of the 3rd dimensional world at hand and has learned to link the two together in what we call the practical real world. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Generate Savings with Smart Use of Electricity! By Tim Gorman No matter what income level you are currently at, generating savings is always a smart move to make. So what is one area you can generate a satisfying level of savings? Change your habits and how you use electricity. Yes, do these simple steps and satisfyingly watch your electrical bills dwindle. You don’t need to make a huge commitment towards saving on electricity, think of it as smart habit changes. Neither should you mistake saving as acts that need to be applied to the point where you sacrifice on comfort. Every smart habit you develop will translate into saving on your utilities. • You generate savings just by developing the habit of unplugging unused appliances. For these draw electricity even when they haven’t been turned on. • When shopping for new electrical appliances, especially for your heater or air conditioner, look for the Energy Guide label, that guarantee the appliance is energy effective. • Buy programmable thermostats — then 10 degrees set back for 8 to 10 hours for your heater in winter and your air-conditioners during the summer. Watch your savings climb up. • Keep your appliances always clean, it will reduce the amount of energy they need to warm or cool up, for instance. • Request for a home energy audit from your utility company, which will help you identify ways to generate savings on your home heating or air-conditioning bills. If they don’t offer the service, ask them to refer you to a qualified professional. • Keep your furnace clean by replacing the filter every 3 months during peak use. You still generate savings when you buy new filters rather than having the heater or air-conditioner work overtime before it gets warmer or cooler. • Have a professional go over the insulation of your roof, and add extra insulation if needed. This will stop heat loss and keep your heating or air- conditioning bills down. • You will generate even more savings if you are vigilant about sealing leaks in your attic, basement, fireplace and around electrical outlets. • Turn off your computer, the lights and air conditioner when you are not using these. You’ll saving more, and actually prolonging the life of your computer. Because when you restart the home computer, you allow it to refresh its’ memory and regenerate the operating system. Utilities have a distressing ability to consume at lot more of your fixed income for the month. By developing energy efficient habits, you generate more savings which enables you to get the most out of your money for less. Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and financial planning advice that you can research in your pajamas on his website. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Budget Tips By Tim Gorman To budget, to have a budget and to be on a budget is not a bad thing; in fact, it’s just about the best financial situation you can find yourself in. A budget is a valuable financial management tool which will enable you to pay your monthly expenses, save a certain percentage of your income and control your expenditures. How can you stay within in your monthly budget? There are several steps to making a budget. 1. The first step to making a budget is to gather information about your take home income and other sources if you have these (e.g. stock dividends). This allows you to determine what your true financial standing is. Be systematic; write down exact amount of your income and the other sources if you have them (e.g. stocks, dividends. Note the schedule you expect to receive these sources. 2. You need to understand what each and every bill or expense is intended for, in order to make an effective budget. List of your fixed and recurring expenses and the due dates for these expenses. Examples of these, weekly groceries, utilities, gasoline and mortgage or rental expenses. 3. Track all expenses, as these are not static. It will make your budget more efficient, when track these expenses on a regular basis, rather than once or twice a month. You can then see the variables and make the necessary changes in your budget to reflect this. Or address the reasons why. 4. Monitor the discretionary portion of your income. Where have you gone over budget? Too many cappuccinos at Starbucks? Or is it an unexpected medical or house repair bill? You could start a contingency fund in your budget to take care of unexpected bills. 5. Lastly, motivate yourself to save and to spend wisely. Set up short and long term goals. A short-term goal will enable to buy the latest plasma TV, or digital camera. Long term goals are ones that enable to increase your retirement funds or to buy real estate properties. You can record the details of your budget, the expenses and sources of income in a 6-column ledger, or buy personal budgeting software, and encode these details herein. Remember though, that in order for your budget to work you definitely need to spend less and save more. Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and financial planning advice that you can research in your pajamas on his website. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Personal Budget Programs By Tim Gorman. Do you have financial problems? Then a budget is the answer if you are tired of wondering where your income went. A budget is the answer, if you don’t have savings. A budget is also the only solution to getting out of credit card debt. You can purchase a 6-column ledger or use an electronic ledger in recording your expenses and income. Or purchase budget software. While an electronic ledger (like Excel) functions by keeping your financial records and doing your computations, budget software programs will do much more. Here are several features your budget software should have, to effectively help you keep track of expenditures and record your savings. 1. The budget software should with a worksheet, show you where your funds go, and provide you with the exact amount of your current financial situation. 2. The budget software should have in addition to the more common ledger title columns, make available the option for you to create your own personalized account titles. This makes it more accurate, and enables you to keep track of daily expenses, of your saving accounts, payments for insurance, auto, utilities payments and even entertainment expenses. 3. The budget software should allow you to compare the financial differences between the budget you set against actual expenditures. It would be great if this feature were accompanied by a reminder feature that tells you, you’re overspending. 4. The budget software should provide you the option of creating and tracking individual accounts, should you wish to set one for you and your spouse, or your children. You can use this to monitor each child’s expenses. 5. The worksheet visuals of the budget software should be easy to understand. 6. Usage of the budget software must be user friendly and have help menus that are built in the program. After you’ve read the company brochures, and spoken to the sales staff, request for a demonstration. Personally test the budget software, to make certain you have ease of use. Ask the company they provide product updates at discounted prices. Make sure that the budget software vendor have an efficient customer support and after sales services. Request for list of their clients and talk with these people. Ask to be sure that you can reach them on the net, by phone and email. List their physical address, should you need to drive by their shop. You need to be honest, committed and disciplined in making and keeping a budget. If you do, you’ll be able to get the most out of your income in spending along with saving wisely. Timothy Gorman is a successful Webmaster and publisher of Debt-Relief- Solutions.com. He provides more debt relief, consolidation and free financial planning information that you can research in your pajamas on his website. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Articles: Learn To Budget By Tim Gorman. Do you like so many others feel, that even if they are earning well, are spending even more? Do you want to change all that and live in sound financial health and within your budget? Is there such a thing as a realistic budget? Are you skeptical that you can make a budget that takes into account all your necessities and provides for luxuries? You can live well and within a budget, and it starts with changing your attitudes towards money, expenditures and budget setting. Here’s why a budget will help you to live well for the rest of your natural life. • A well planned budget is an excellent financial tool for you, as it will guide you in setting aside funds to pay for recurring monthly expenses (e.g. utilities, rental), help you save for serious investments, allows you room to splurge and will help you develop the discipline to save, while living well. • A sensible budget is one that is realistically organized around the details of your life. Because your budget takes into account your sources of income, you will be in better control of your spending habits. • A planned budget will give you the ability to save towards buying serious investments such as a real estate property, or a business. Redefine your idea of “living well” - as a lifestyle that keeps you out of debt and gives you the financial freedom to be able to save a considerable portion of your income. Another attitude you should let go is one of having unrealistic expectations. Do you often find yourself coming home with the latest product advertised? A bigger plasma TV than the one you had last year? Or a digital camera with more pixels and 5 more features? When you haven’t even used half of the features of your old digital camera! The number reason for credit card debt is impulse buying. If you tend to impulse buy, develop an attitude of awareness. Question yourself. Do you really need to buy this object? When are you using it and how often will you be using this? If it will help in your business, plan the purchase. If it’s planned for, you’ll be able to stick to your budget. You’ve got the basics of setting a budget down correctly, when you are disciplined enough to stick to it and thus control your spending habits. Timothy Gorman is a successful Webmaster and publisher of Debt-Relief- Solutions.com. He provides more debt relief, consolidation and free financial planning advice that you can research in your pajamas on his website. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: You’re Eating Your Retirement Money By Sue And Chuck DeFiore. Ever think about how eating all those fast food meals for lunch are effecting your pocketbook. Let’s do the math. You eat out 5 days a week at an average cost of $5 to $7 a day. At $5 a day averaging 20 days a month (and some months more), but let’s just go with 20 days x $5 = $100 a month x 12 months, that is $1200 a year. You could use that $1200 for a vacation, or as the title of this article states, start your own retirement fund. You do the math. Let’s say you are currently 30 years of age and you save that $1200 a year x 35 years (retiring at age 65) = $42,000. Now that is just a straight $42,000 not invested in a mutual fund, IRA, or any type of fund that would pay some interest or grow over the years. It is a lot better than it just going down your throat, never to be seen again. Let’s do the math for $7 x 20 days = $140 a month x 12 months = $1680 x 35 years = $58,800. And if you spend more for lunch just do the math. It is a substantial sum of money going down the tubes (your esophagus to be exact)! Years ago, when I worked in Corporate America, my co-workers would be mystified by my ability to buy a new dress, suit, coat, shoes, etc. each month. They consistently remarked on how good my wardrobe looked and wanted to know my secret. It was simple. I saved around $100 per month by bringing my lunch from home instead of eating out. I took some of what I saved for clothes and saved the rest. My friends were amazed that such a small change could have such great benefits for them. I spend on average $2-$5 a week on lunch depending on what I buy. If for example I buy tuna, I can get that not on sale for $2 a can. Mixed with mayo or dressing, which I already have, that makes a week’s lunch on a slice of bread, which again I already have in house, along with the piece of fruit. For those of you who are sticklers out there, tuna = $2; bread = $3; mayo/dressing = $3; that is still under $10 for the week, and at $5 a day for lunch, what you pay for two days of lunch I am getting lunch for a week. To be a bit more exact: remember, the mayo and bread last for more than one week, so the actual cost is even less than $10 per week. For those of you who are already complaining you don’t have the time to make lunch. Yes you do, after you have cleaned up after dinner, take the time to make up your lunch for the next day. Take some time on Saturday or Sunday to make up your lunch for the week. So, start eating smart, and in the majority of cases a lot healthier, today, and the biggest PLUS is start saving lots of money for the special things you want and for an even better retirement. Copyright 2005 DeFiore Enterprises Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our "how to" Home Business Solutions Digest, it's like having your own personal coach. Visit http://www.hbsdigest.com to start today. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Discover the Secrets and Possible Solutions To Money Problems By Fernando Soave. It is sometimes pitful how many projects are never born or die simply because of the flimsy excuse : “We don’t have enough money !” There are many possible solutions to money problems. When a practical, inspirational, exceptional idea raise from your mind, don’t ask the question : “How much will it cost ?” untill the conceptis fully discussed, considered and examined. First ask opportunity spotting questions like : 1. Is this a neeed filling idea ? 2. Would it be a great idea for the society ? If it appears that the idea would fill a need or solve a problem or create opportunities or contribute to growth or bring about fruitfull improvements, then ask the question : “How can I raise the needed funds ?” If the idea meets all the tests and you want it to be launched, you will be able to find a way to finance your dream. Here are 10 secrets to solve your money problems : 1. You can begin with nothing. Dreams cost nothing. Do you have a dream ? Are you facing money problems ? Then remember this : “All great projects begin with a dream.” Projects can be started without a single cent. If you have a need filling, glorifying, inspiring, imaginative idea, share it with trusting, positive thinkers and you will at least give your dream a chance to come alive. The most valuable product in the world is an idea and good ideas magneticaly attract support from unexpected sources. 2. You can do a lot with a little. You can organize a corporation with very little. It doesn’t cost too much to have letterheads and calling cards printed. So you can begin almost anything for very little cash. A little bit of money can go a long way to get a project on the road. If there is a corporation or organisation dedicated to the fulfillment of a proctical and beautiful dream, you can be sure that the human instinct to preserve a positive idea will surely move the project forward. When dedicated leaders invest teir best time, energy and money in a project, they inspire other investors to come their way. Investors are attracted to imaginative, daring and honest leaders. A young man or woman with big dreams and a little money, putting all that he has into his idea, will find support coming from th ekinds of people who can lead him or here to success. 3. You can earn more money than you think you can. Money should not stop you, for there is more money floating around than you realize. Just because you don’t have it doesn’t mean you can’t get it. You are bearers of good news, fo you tell people about some wonderful product, service or opportunity people might never have heard about. Many custumors will listen , love what they see and buy enthousiasticly and thank you for taking their money away in exchange for something they joyfully purchase. You make people happy when you help them spend their money. The profit motive is a good motive if you look upon money as a means of improving your society, your family, your church or your own mind and body. The love of money is the root of evil only if money becomes an end in itself instead of a means to greater service. So, get all the money you need. The man who gets the money is the man who believes that he can. 4. You can build your fortune on borrowed money. There are millions of dollars waiting to be loaned out to worthy enterprises and to responsible and would be businessmen or –woman. All money acquired in the banks and savings and loan institutions must be invested. If you can’t borrow from commercial institutions, you can often borrow from private individuals. Somehow, some way, you can borrow money to get started. And remember that debt is not necessarly a disgrace. Often debt is material evidence of a man’s courage and confidence. Just consider all the possible benefits that accrue when a responsible and honest person goes into debt. Often you may never succeed unless you hav faith enough to dare to go out and borrow money. 5. You must understand what real debt really is. What, after all, is debt ? When you borrow money for food or the light bill or the water bill, you are spending money that is gone forever. This is a real debt. When you want to borrow money to buy a car or a house then you are not going into debt; you are going into the investment business. If you can’t pay off your house loan, you can sell the house, pay the debt and any money you may have left is your return from your investment. Then you have a profit from you investment. 6. You will attract money when you fill a vital need. It always pays to serve. Improve and expand your business and people will come, income will automaticaly increase and principal indebtedness will very naturally take care of itself. Provide unsurpassed service and you can be a success. It is not a disgrace to borrow money ot provide a needed service. It is a disgrace not to give a good idea a chance to be born. 7. You can get the money if you dare to ask for it. The Bible says : “Ask and you will receive.” “You have not because you ask not.” Jesus Christ said : “Ask and you shall receive, seek and you shall find, knock and it shall be opened to you.” Be positive , have a constructive cause. Let it be creative and inspiring and people will be attracted. Sell a wonderfull new idea. Offer people an exciting opportunity to share in building something wonderful. Every person wants to be creative, important and useful. The need to be needed is one of the deepest hungers in the human heart and everyone want to spend his money. Give people a dynamic program and they will love to give to it. 8. You can harness the pyramiding power of time. Let time solve your money problems. Harness the calender and let it harvest the crop of money that is raised each year from the fertile fields of free enterprise. It’s quite possible that money is not your problem after all. Your problem may be a lack of patience. So learn how to harness time to let time make money for you. 9. Make God your partner. This is the key which may unlock your door to success. This does not mean that if you team up with God, you will naturally be rich. But it is true that if you do enter into a sacred agreement to make God your partner, you will receive insights, inspirations, bright ideas and courage to move ahead when and as you should. 10. You can start over again. If you have suffered financial failure remember this : “Fear is more disgraceful than failure.” It is a greater disgrace not to dare to try again than it is to try and fail. Read the story of most millionaires and you will find that many have been bankrupt at least once. Don’t let that old cry : “We don’t have enough money !”, keep you from accomplishing worthwhile projects. There will be a way. “When you need an expert, hire one. Don’t try to be one.” © 2003 Fernando Soave CEO CUTTING EDGE MLM http://www.cuttingedgemlm.tk Free Cutting Edge MLM Newsletter. Fernando Soave is the author of "Cutting Edge MLM News." He has been in marketing for 20 years and is helping individuals succeed online. Visit his site to find out how you can get free reports. http://www.cuttingedgemlm.tk or Subscribe to the Free Cutting Edge MLM Newsletter and receive your +$585 MLM Value Pack. http://www.cuttingedgemlm.tk mailto:mnet@followup101.com?subject=SUBSCRIBE Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Starting With Smaller Goals First And Work Your Way Up Until You Achieve Financial Freedom By Stefanus Wahyudi. While you need to have a lot of positive-thought and confidence in order to be self-motivated, there are a few things that you can do which will help you to achieve all three things. These steps are generally pretty easy to do - and since they're simple steps, they may seem a little less daunting at first than having to figure out how to be positive- thinking and confident right out of the blue. The first thing you should do is sit down and write down all of your major goals (including financial freedom). These should be your most important goals and dreams - essentially the few things that you would really consider to be your life goals. Make sure while you're writing this list that you actively think to yourself that these goals are entirely possible. Next, you should make a list of the benefits that you'll get if you achieve your goals, as well as the negative effects that could occur if you do not achieve your goals. Once you've done that, you'll know what your motivation is to be successful at achieving your goals. This is a good list to take out if you ever start feeling unmotivated - and if you think to yourself about it, you should be able to self motivate. The next thing you should do is to figure out what stands in your way. This is a good way to figure out what things are probably making you worry that you won't be as successful as you need to be. Once you have that list, you should try to think of a few small, short-term goals that will help you get over the obstacles that stand between you and your major life goals. Once you figure those out, you should make sure that you work toward those goals. Keep in mind, the short-term goals should actually be possible within a short-term period of time. While you do need to be self-motivated and positive-thinking, it is still important to make sure that you don't over-burden yourself. Finally, the best way to make sure that you'll be positive- thinking, and that you'll eventually succeed and achieving financial freedom and the rest of your goals is to keep working toward your small goals - and each time you achieve one, make sure to add another small goal to your list. If you work hard and are self-motivated, you're sure to achieve financial freedom! Stefanus Wahyudi has started financial freedom journey since his college years. Now, he is encouraging many to do the same: start early! For more information about his business, you can access his system at: http://www.RetireYounger.com Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700 Paid Online Surveys could beat your current income and earn you as much as $3000 a month with part-time work. Go to http://www.instantlywealthy.com for more information. Ezine Article: Money Mastery By Leslie Fieger. Money can be your servant or it can be your master. The choice is yours to make. If you want to be the master in this relationship, you must learn to assert your control. This process is simple. It may not, however, be easy. You are habituated to certain beliefs and behaviors towards money. The mass mindset of your culture, including the pervasive advice of advertisers, banks and advisors, is extremely persuasive in convincing you that you are a servant to money and its mysterious and magical attributes. Nevertheless, if you have the discipline to enact these simple control mechanisms, you will become the master in your relationship with money and, in so doing, will begin to create the financial success you desire. 1. Spend less than you earn. This is so obvious that it should not even need to be said. However, we live in a society that is predicated to debt financing. If you can't pay cash for it, do without. 2. Pay yourself first. Take 10% of your income and save it. Don't spend it. Don't lend it. Live off the other 90%. That 10% will build your wealth. It is your foundation. 3. Get out of debt. The interest you pay on borrowed money, if saved or invested instead, would be enough to retire on. Debt does more than make you a servant to money, it turns you into a slave. 4. Have multiple sources of income. Reliance upon a single source of income is a recipe for disaster. If your primary source of income supports your lifestyle, your secondary sources will build your wealth. 5. Create passive income. So long as you work for your money, you are the servant. When your money works for you, it is your servant. Simple, isn't it? 6. Invest in yourself. Wealth is a product of mind. Expand your mind. Educate yourself about wealth creation. Learn, and then apply, the millionaire mindset secrets of the masters. I give away a free ebook on my website that will help you get the mindset that allowed me to become a self-made millionaire. Understand that money is not wealth. It is simply an agreed upon medium of exchange that enables you to trade one form of wealth (what you are and what you can contribute) for another form of wealth (food, shelter, security, freedom, pleasures,etc. The more value that you can offer, the more valuables you can accumulate. Become more valuable. Invest in you. You will get to have wealth after you become wealthy. © Leslie Fieger. All rights reserved worldwide. Leslie is the author of The DELFIN Knowledge System Trilogy: The Initiation, The Journey and The Quest plus many more success publications. He also the co-author of The End of the World with Hugh Jeffries and Alexandra's DragonFire with his daughter Ashley. Subscribe to his free and ad-free eZine at http://www.ProsperityParadigm.com or http://www.LeslieFieger.com. Reprinting and republishing of this article is granted only with the above credit included. Permission to reprint or republish does not waive any copyright. Article Source: http://EzineArticles.com/. Paid Surveys, earn $150/hour just for providing your opinion! Go to http://www.instantlywealthy.com for more information. http://EzineArticles.com Tue, 12 Apr 2005 22:59:13 -0700