Trading Options for a Living

I like to think of myself as an entrepreneur. I'm actually an accountant by profession, but really an entrepreneur at heart. Being an accountant is ok, but like any job working regular hours for someone else, it has it's drawbacks.

For example, I often get tired after lunch so wish I could take a short afternoon siesta, to perk myself up for the rest of the day (they even say that people who do this live longer, but that's another story). So it was often during those "after lunch" hours when I was pushing myself to concentrate on numbers when I just wanted to float away into dreamland, that my heart would wish I had the freedom to do as I pleased, when I pleased.

Then I found option trading.

I went to a seminar run by a guy named Nik Halik back in July 2002. I remember it was a pretty full-on weekend and very motivating. I came away from there, feeling like I had found what I always wanted to do. With the discovery of option trading, my whole view of the sharemarket changed. I realized that, when properly understood, options provide the advantage of flexibility that ordinary share trading does not. This is because options have so many more variables than just buying and selling shares - and you can use these variables to your advantage.

When you buy shares, you simply buy at a certain price and hope to sell it for more. But options have "strike prices", "expiry dates", 'implied volatility", "in and 'out of' the money" factors.... all of which allow you far greater flexibility in adjusting your position as you see the market direction forming. When buying shares, you simply buy and hope you've got it right, but with options, if the market turns against you, you can always salvage your position. Some options can also be purchased as a form of "insurance" on shares you already own.

The other advantage with options is that you can buy different types of options, depending on your view of market direction. If you think the price of a share will rise, you can buy a call option, but if you think it will fall, you can buy a put option.

But the "wow" factor with options really comes into play when you realize that you can also "write" or "sell" an option contract, in a way that allows you to create it out of nothing. Then if you start combining the buying and selling of different option contracts on the same underlying share, simultaneously, you are talking "spreads". Spreads can be either debit (ie. they cost you money) or credit spreads (ie. you receive a net credit to your broker account from the deal).

If a share price action is narrowing into a small range and you feel it is going to break out soon, but don't know which way, you can take an "each-way" bet. You buy an equal number of call and put options with the same expiry date and wait for the move. When the share price breaks out, the move is usually large enough so that the profit from the winning option pays for the losing one and gives you a nice net profit.

I've done very well with options. I tried trading CFDs for a while, but found them very volatile and inflexible instruments. I would often be right on my general expectation of market direction, but was "stopped out" before from intra-day fluctuations before the move took off. You can avoid this with options and go on to make your profit.

Options are beautiful things.

For further information about option trading and associated strategies, you really should take a look at Nik Halik's material. You can discover more about his stock market education at http://www.nikhalikreview.com

Look at Retirement Planning

Retirement Plans - Does Conventional Wisdom Work?

Both Wall Street and Corporate America are very fond of retirement plans like 401K and SIMPLE and SEP. Have you ever asked yourself why? Being somewhat cynical, I have: and the answer I came up with was disturbing at best.

For financial institutions, the retirement plan permits them to charge much higher fees then they ever could collect under the old fashioned defined benefit plans. For corporations, retirement plans allow the employer to shift investment risk and funding cost to employees. Presto, two problems solved: Revenue generation and risk transfer.

As a professional and small business person, preparing for your own future, does the conventional wisdom of retirement plans really work for you?

Before we answer that question, let’s first talk about the 5 great risks of retirement plans: Savings Risk, Investment Risk, Longevity Risk, Government Rule Change Risk and Tax Risk.

Savings Risk is the risk that you will not be able to save enough in your retirement plan to provide an adequate retirement.

Investment Risk is the risk that even if you do save enough, you will choose the wrong investments and lose all or part of what you have saved.

Longevity Risk is the risk that even if you save enough and wisely invest, you will outlive your retirement plan value and be destitute in your final years.

You are in a partnership with the government and you are the minority partner. The government can change how much you can contribute, the tax treatment (now and in the future) and just about anything else any time they want. This is Government Rule Change Risk. Example: at one time there was a penalty for accumulating too much money in retirement plans: 15% excise tax on amounts over $750,000. By the way, that penalty has been suspended (not eliminated).

Tax risk is the risk that when you go to use the money you have saved, you may be in a higher tax bracket. Taking into account the situation in regards to Medicare, Medicaid, Social Security, not to mention the war in Iraq there are a few questions to ask yourself. Will taxes go up, down or stay about the same in the next 20 years? Will my retirement assets be positioned to take advantage of the tax situation at that time?

This is the part of the article that most experts would begin to tell you how to overcome each of the above risks. The problem with applying conventional wisdom to such issue is that it doesn’t always work. This goes back to my point of why corporations and financial institutions want you to buy into retirement plans – they have their own agenda. That agenda doesn’t necessarily work for your benefit.

You can use techniques to offset the individual risks, but sometimes, that very effort creates other risks and problems. Let’s use longevity risk as our example. You can offset longevity risk by using what’s called an immediate annuity. An insurance company agrees to take your retirement account value and promises to pay you an income for the rest of your life – no matter how long you live. Sounds good because you’ve offset the risk, but there is a cost. First, you lose control of that money. Once it’s in the hands of the insurance company, you can’t change the payment structure – even in the case of an emergency like illness. If you die after receiving a couple years of payments – your heirs loose all the money. Of course, you can set up the annuity to pay you for your life and include payments for a certain period or guarantee payments to a spouse, but you get much less income in those scenarios. PLUS, you pay a big fee to the insurance company when you purchase this product.

As business owners and professionals we must think about retirement planning as more than just accumulating money in a retirement plan. While we accumulate, we should be thinking about how that money will distribute to us when we need it and how it will be conserved as we reach the end of our lives.

- If a retirement plan builds wealth while we are working, but that is eroded by risks before retirement – is it really wealth?

- If taxes eat a large chunk of our retirement plan just when we need to use it – can we really count it as wealth?

- If we can’t pass on the money in our plan without paying multiple levels of tax – are we really building wealth?

The take away wisdom: The only way to make progress towards your goal of a comfortable retirement is to focus on how all the pieces work together to efficiently build wealth, allow you to spend it and pass it on. The “Micro-Economic” management of risks and benefits, when it comes to planning for retirement, just won’t get you any further ahead. If you take away only one idea from this article let it be that the better the phases accumulation, distribution and conservation integrate and coordinate together towards your goals, the better off you will be now and in the future.

Action Plan: I recommend that professionals and business owners thoroughly review their choices when it comes to retirement planning. Everything you have in your financial model can (and should) be used for your retirement. A comfortable retirement is about more than just starting a retirement plan or buying a hot investment. Retirement planning starts with coordinating and integrating the phases of your life while using the efficiency of money to build the most wealth you can (while controlling risk).

Joan Gilles is a Financial Coach. She helps business owners and professionals get really clear about what it is they want financially. Then, she gives them a model and tools to get it. Because. you deserve to have everything you desire. What makes her different is she does her work without taking money out of a business or personal pocket. She can be reached at 651/578-2961 or jmgilles@pressenter.com

Startup Internet Marketing

The Best Way To Start Up In The Internet Marketing Business

THE “KICK” OF STARTING UP A NEW PROJECT

We all know the feeling about starting up a new project or idea, where you have this feeling of this great “KICK”, you just have so much motivation and the adrenalin in running around in your body.

You have a feeling you can fly, you feel invincible, your body and mind is filled up with this magic feeling and:

• You are full of plans.
• You are full of energy.
• You can hardly sleep at night.
• You can work 20 hours a day with the project.
• You make plans for the future, when this project has become a big success.

WHEN THINGS GO WRONG

But all that comes to an end all too soon, and after this first big “Kick” has disappeared, and when the project/work begin to be a daily routine, where only hard persistent work counts, we all know this feeling of:

• Things are not going as we hoped/planed.
• Feeling of isolation with your project.
• Lack of motivation.
• Lack of new ideas for the project.
• Depression by not being able to move the project to the next step.

And soon there is a big risk, that the project will be another failure of projects…

We all know that feeling, we have all had this awful feeling at some time.

That Feeling of Being Alone on the Planet.

How can we avoid finding ourselves in a situation like this again ?

The answer is Simple “BEING PART OF A TEAM OR A NETWORK”.

Successful business people are team players. They do not work alone.

You just have to look at successful marketers, they have all seen the big advantages of being part of a group/network. team. When they have an idea, or need inspiration or sparring, they have a network to get feedback from, and that help them to form and marketing the idea in the right way. You should do the same – build up a network or join a group, which can help you to build up this network.

MOTIVATION, DISCIPLINE AND ACCOUNTABILITY

Lets admit it - 95% of all Human beings are lazy!

We all fall into the habit of procrastination. So do the successful people.

But do they let procrastination stop them from stepping onto the fast track to success ?

Definitely not!

While with great discipline it is possible to keep procrastination at bay, successful people use a two-pronged attack.

Prong 1. Discipline and accountability through TEAMS/Network Groups.

A public commitment to your team keeps you accountable for your words and actions.

Prong 2. Support and Encouragement from Your Team/network mates.

Teams are capable of bringing an arsenal of thinking hats to your life and your business.

Brainstorming sessions lead to new ideas and breakthroughs.

DON'T WORK ALONE!

If you have been working alone all the time, its time for you to step out of your comfort zone! Teams and communities are a powerful concept.

Your next windfall may lie in the next team meeting or the next blog you see or get involved with.

Just make your own observations of all the successful Internet People. They all engage in Mastermind group meetings.

Andy Jenkins, Brad Fallon, John Reese, Frank Kern are all successful internet Marketers and great Networkers, and they have accumulated great internet success through their Network groups.

MAGIC KEY TO SUCCESS

When you work on the internet, it is hard not to feel isolated.

Joining an Internet Community means that you have available all the advantages of joining a Network group. But you can only make full use of that opportunity if you join a Network.

Additional Benefits of Being involved in a Wider Internet Community

The benefits of playing an active part in a Network are not limited to individual benefit.

There are big advantages for the whole network too, joining forces to synergistically escalate the networks Marketing Potential, both as individuals and as Groups.

A big advantage of being in a network and in a wider community is that helping others is a big motivational factor, and by helping others there is a big chance that you will also receive a lot of input and help for yourself.

It has been truly said, that the best way to learn something well, is to teach someone else who knows less about that subject than you do.

Helping others is a Win – Win situation for everyone.

THE INTERNET - A GIGANTIC MARKETPLACE

Remember the internet is so big, that there is plenty of room for all of us to be successful with our internet marketing, and indeed, within reasonable limits Competition is very good for us.

1. It fires motivation.
2. It engages the interest of the Potential Customer Group to whom you Market.
3. It provides a standard to excel over. If you are better than your Competition, people will buy.
4. You can measure whether you are better than your Competition more easily than in the absence of Competition you can create a standard which will be perceived as high value by your Potential Customer.

So therefore I urge you to join a Network/community, get involved in the community/Network, be active with the community/Network, and hereby everybody inside this community/network will help each other to become part of the exclusive group of successful internet marketers.

---------------------------------------------------------------

It is important that you begin NOW! And find the right Network/Community to be a part of.

ABOUT THE AUTHOR

Morten Hansen has been working with the internet business for several years and is mainly writing about subjects, that make it easier for Internet users to learn about Internet Business. By the way, if you want to Get a 100% FREE newsletter with hundreds of Internet home business tips and tricks or want to read about some of the most profitable affiliate products on the internet visit my website www.OnlineMoneyTips4you.com

Goalsetting at Harvard

Set SMART Goals to Achieve More
Personal Training Self Help Basics
Are you having trouble achieving your goals, or getting through a period of no success? Then take the time to learn how to set SMART goals. Specific, Measurable, Attainable, Realistic, and Tangible.
SpecificSetting specific goals is the key to all sorts of success. Most folks know the story about the 1954 Harvard class where they measured those who made goals and those who did not. Each time they grouped the goal-oriented graduates into smaller and smaller groups: those who made goals every now and then, on a yearly basis, and on a monthly, weekly or daily basis, each subset of individuals ended up making more money, having free time and far more happiness than the others.
And guess what? The no-goal folks were left out in the cold and achieved almost nothing in comparison to those who set goals.
MeasurableThe more measurable something is, the easier it is to see if we've achieved, or not achieved, the desired outcome. If you're vague in your goals, and don't have a way to measure it, how will you know you've achieved it? You won't, it's that simple. So make sure your goal can be measured, and you're done with step 2.
AttainableWhen you set goals that are the most important to you, you will find a way to make them happen. That's a fact! You begin to find things that fit in with your goals, you develop a positive attitude, you work to develop new skills and abilities, and you somehow find the financial capacity to achieve them. You think of all the opportunities that you've left unanswered and you uncover new opportunities to help you achieve your goal.
You can do almost anything when you plan out the steps necessary to reach the goal, and set the time frame that holds you accountable to that goal. Things that never before were possible now are not only possible but are in fact probably, because you've learned and grown to match these tough goals. Listing your goals helps you feel better about yourself, as you learn to see yourself worthy enough to achieve these goals, that you deserve these goals, and you reach these goals!
RealisticDo you want to aim for something you'll never reach, or for something that is within your power? Remember, you have to be willing and able to do something, so make sure you're realistic in your goal setting. You definitely want to stretch and not set something you could do without effort, but if you know that there is absolutely no way you can physically run a 4 minute mile because you have arthritis, then don't make that your goal. Now keep in mind that with the Internet, e-mail, and the globalization of the marketplace that you can achieve more than you ever thought possible, there still may be things that just aren't possible. Don't set these as goals, set these as dreams, and point towards those. But set the attainable goals so you can get satisfaction from achieving more and more of your goals.
TangibleA goal is tangible when you can experience it with one of your five senses. That means if you can can taste it, touch it, smell it, see it or hear it. When your goal is tangible, or when you tie an tangible goal to a intangible goal, you have a better chance of making it specific and measurable and thus see it as more attainable to you.
So be SMART about your goal setting, read a book or 2 about goal settings, have others help you be more accountable to yourself for achieving these goals, and you will do more and be more than you ever dreamed possible!
Phil Gerbyshak leads a team as manager of an IT Help Desk in Milwaukee, WI, and finds that sharing his knowledge is a crucial component for in his success as a leader and as a person. Phil's personal philosophy is paraphrased from Tim Sanders' fantastic book Love is the Killer App: "Share your knowledge, your network, and your love. The rest will follow."
Feel free to contact Phil at http://makeitgreat.org or call 414.640.7445 anytime. To check out his frequently updated blog, check out http://makeitgreat.blogspot.com

Focus is all important

Law of Attraction Accelerator - Put Your Weight behind the ThoughtsBy: Aldian Prakoso
In the Science of Getting Rich one of the most powerful concepts is the Law of Attraction Accelerator. What exactly is this? Looks complicated and difficult isn't it? You can't be further from the truth. It is actually a very simple principle. What do you do when you speed up on the road? Do you look here and there at the scenery? A normal person would concentrate on the road ahead. Now, using this analogy what would you do if you want to speed up on your way to wealth and success. FOCUS. Yes, that is exactly what I would do. Once you have made up your mind and have the big picture in your mind, go for it. Don't hesitate. Don't look around. Go right ahead with the gas pedal hitting the floor. Now, I know wringing the neck doesn't fetch a great picture in the mind. But, please pardon me; this is what we are required to do. Have you ever seen a sugarcane thresher? Maybe you haven't. But let me tell you, it squeezes out every drop of sugarcane juice from the cane. If it did not, it wouldn't be doing its job. So, you might well ask. Am I supposed to behave like a sugarcane thresher? Well, I would say, yes and at the same time no. Yes, because that's what focus is all about.

You can't wish to be something but not work towards it. And why not? Because we are on this earth to enjoy. Be happy. Realize our dreams. Not get squeezed. But expand. Our thoughts should encompass the whole universe. If we accomplish what we want doesn't mean others are going to be deprived. Not at all. There is enough of happiness going around in the universe. There should be a feeling of plenty, not of scarcity. That's where putting your weight behind your thoughts comes in. Once you have decided on what you want, you should put all your might to achieve it. The universe will multiply your efforts a thousand times and reflect it back to you. This is the Law of Attraction's essence. You may think from the above statements that it would be a monumental task to achieve this concentration. And let me tell you, it couldn't be easier. The crux of the idea is to be positive and device ways to remain in this positive frame of mind. The universe and the Law of Attraction would do the rest. Just get on to the path of success and start driving towards your destination.

The rest would be taken care of by nature. As you move down the road to success, events and situations would be created which would accelerate and speed you up towards your true destiny. You have to just focus on your destination. Rest would be taken care of. It looks so simple. Yet most of us flounder on the way. As soon as we see the first bump on the road, we lose heart and change direction. And when we meander all over the place, we wonder how we got there in the first place. The Law of Attraction is universal. If you have positive thoughts they would get absorbed by the universe and rebound back manifold. The same goes for negative thoughts. Remember, the universe is neutral. Like a mirror. If you send out negative signals, you will see negativity reflected around you.

So you have to be careful. Always think positively. The more you think positively, more positive things will happen to you. And it will all add up. And focus is all important. Imagine your mind to be a lens. When you hold the lens against the light, what happens? It collects all the dispersed light and points it at one specific point. And then it burns the patch you are holding the lens on. Don't you think the same is happening to your thoughts? Indeed it is. The more focused you are, more likely you will set a scorching pace towards success. Get rid of negativity. It disperses your energy. Get hold of positive thoughts by the scruff of the neck and keep twisting till the essence is realized.

About The Author
Aldian Prakoso is an OptiMINDzation Performance Coach and the owner of OptiMINDzation Attraction Accelerator Blog. OptiMINDzation Attraction Accelerator Blog helps you to achieve success, wealth, growth and health by helping you to visualize your goals and dreams vividly. You can instantly download a popular free report "OptiMINDzation Attraction Accelerator", available at ==> http://www.AudioGettingRichScience.com

Phil Knight

Philip H. Knight (born February 24, 1938) is the co-founder and former CEO of Nike, Inc. and the owner of Laika Entertainment House (formerly Will Vinton Studios). Knight is also known for his monetary support of the University of Oregon, where he received his bachelor's degree in accounting in 1959. Knight received his MBA from Stanford Graduate School of Business in 1962. In 2006, Phil Knight donated $105 million to Stanford GSB - at the time by far the largest donation to a business school in history. Though not the largest donation to an entire school overall.

Knight's 35% stake in Nike, Inc., has a recent net worth of $7.9 billion (US), which makes him the 30th richest American.Knight stepped down as the company's CEO and President on December 28, 2004, while retaining the position of chairman of the board. He was replaced by William Perez, former CEO of S.C. Johnson & Son, Inc., who was in turn replaced by Mark Parker in 2006.Knight was named a "Corporate Crook" in Michael Moore's book Downsize This! in 1997. The book cited the harsh conditions in Indonesian sweatshops, where pregnant women and girls as young as fourteen years old sewed shoes for factories that the company contracted to make its products. Moore went to Knight in the hopes of convincing him to fix this problem.

That interview can be seen in Moore's film The Big One – of the nearly 20 CEOs that Moore tried to interview for his movie, only Knight agreed to speak with Moore.Knight informed Moore that Nike does not own any of the factories that make its products. Knight told Moore if he was willing to invest in and build a factory in the US that could match the quality and price of footwear made overseas, Nike would consider buying shoes from him.Knight pledged in 1998 to impose more stringent standards for the factories that Nike hires to make its goods, including minimum age standards, factory monitoring and greater external access to Nike's practices.
Back To American Business Heroes

There was one and only Dr. Wayne Dyer.

The Ten Secrets online course is filled with great audio of Dr. Wayne Dyer. The morning and evening meditations in chapter four alone are worth the investment. Listen to the audio in this course every week. When you combine the Ten Secrets online course and his Wisdom Flash you have powerful new tools and ideas for change.
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Believe And Manifest The Secret Behind The Secret

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Frequently Asked Questions

Q. Is this a Get Rich Quick Scam?A. Absolutely Not! This is not any sort of get rich quick scheme. If the stats shown seem rather high, it's probably becuase you have not been exposed to this kind of information or business before. There are many people I work with who do the same thing who make even more money than me. If you apply yourself you can basically create any type of income you want for yourself. You will get all the tools you need to make as much money as you want. Of course I can't physically set everything up for you, but as long as you follow the training material you will be up and running in no time. I will make sure you are satisfied with your purchase.

Q. Is this an offer for Employment or for a J.O.B.?A. No, this is not a job offer with a set salary. This is a good thing that it's not, at a job you will never make any real money. You may make enough to survive but you will never make enough to really enjoy the finer things in life. You can make real money by applying yourself to this program and working smart not hard. I will show you how I work smart and earn 10 times more than I ever could at any job.

Q. How soon can I start?A. You will be able to start as soon as you sign up for your registration. It does not matter what time of day or night it is you will get immediate access and can start right away.


Tips To Help You Sell More
Building 5,000 Links to Your Website
Increase your traffic with website directories
Reciprocal Links
Submitting your website to The Open Directory Project
Submitting Your Site to Yahoo

SEO Cloaking

Q. How much money can I make with this program?A. You will be able to make as much money as you want. There is no minumum and no maximum on your earnings. It will depend on certain factors such as your motivation and desire. If you want to make a lot of money, you can. Many people I work with make more than $100,000 a year using this same type of system. Those results are not typical. In order to achieve those types of results you need to put a fair amount of time and effort into learning this system. Once you learn the system properly you can definately make that kind of money. The more you put in the more you get out.

Q. How & When do I get paid?A. There are multiple streams of income you will be able to earn once you get started. Each company will pay you directly for any earnings. Most companies pay by check twice per month, some even offer direct deposit. You will be able to check your earnings online 24 hours a day. The companies you will be working with are very reputable and have never had any probelms with late payments.

Ways to realize a positive cash

Achieving Positive Cash Flow from Your Real Estate Investments
Even if you’re counting on rising property values to eventually make a profit on an investment property, it’s far more desirable to have a positive cash flow each month. If you’re losing money on a property every month, it may not take long until your future profits will have been lost. Owning investment property is much more enjoyable if you’re making money along the way.
Here are a couple of ideas for keeping your investment property cash flow in the black:
If you don’t already own your own home, your first goal should be to live in your first "investment" property. Interest rates and down payments are considerably lower for a primary residence, and you won’t have to deal with finding and managing tenants or absorbing the cost of an occasional vacancy.

Once you begin looking for your first "official" investment property, you’ll want to concentrate your search for less expensive homes, because they’re generally easier to rent for a profit than higher cost houses. You can also purchase tw o or three smaller homes for about the same cost as one larger one, thus giving you an even greater cash flow.
One of the easiest ways to achieve a positive cash flow is by obtaining a loan with a very low interest rate for the first several years. One example is known as a “payment option” loan, although these types of loans may not be available in all states.

These loans allow you to set up an optional minimum payment, which can result in low monthly payments, often for the first five years. During that period, your minimum payment will increase by a small amount every year, although it’s usually no more than a factor of 1.075. During the minimum payment period, your interest will still continue to accrue at whatever rate you’ve agreed on (such as 4.5%), but the interest that your payments don’t cover will be deferred. At the end of the first five years, that deferred interest is then added on to the loan, and the loan becomes a standard variable rate loan. Normally, that’s not a problem, howeve r, because the property’s value probably will have increased enough to cover the deferred interest.

Another way to minimize monthly interest payments is through an interest-only loan. The period of most such loans is usually 5-10 years, during which time, you’ll be paying only the interest on the loan. To make this type of loan work most effectively, it’s best to sell or refinance the property by the end of loan period.

There are many other ways to realize a positive cash flow on your investment properties, depending upon the financing options available in your area of the country. But regardless of where you live, it’s always desirable to have your investment properties pay for themselves, and can move you a long way toward your goal of financial success as a real estate investor.
(c) Copyright 2004, Jeanette J. Fisher and Robert S. Kramarz. All rights reserved.
Jeanette Fisher, Design Psycho logy Professor, is the author of "Doghouse to Dollhouse for Dollars: Using Design Psychology to Increase Real Estate Profits," the only book to reveal interior design secrets on how to make top dollar investing in real estate. For real estate and interior design psychology books, articles, tips, and newsletters: http://www.doghousetodollhousefordollars.com.

Robert S. Kramarz is a loan officer for a major loan brokerage. He has over 20 years experience in finance and business management and comes from a family a long background in real estate investing and banking. He specializes in providing financing for purchase of investment real estate. He can be reached by email at MrFunding@22cv.com. Further information is available at the website http://www.sweetloan.info.

Work at home careers offer a myriad of options

So you're not happy at your current jobs and life seems tough and without options, have you ever thought of the possibility of working at home. Many of us are under the misconception that working at home is frivolous and you would never be able to make as much money at home like you did at an office. Well, surprise surprise since work at home careers are the new thing in town. Increasingly many people are giving up their office jobs and settling for work at home careers. There are so many diverse work related things that you can choose from, to work at home. Working from home offers many advantages and people are cashing in on these. Spending more time with the family, working at your own leisure and not being supervised by others are some of the advantages of working at home. But perhaps the greatest advantage of all is being your own boss. There are always two sides to the same coin and so also working at home has its disadvantages, bearing the brunt of everything is one of the disadvantages as is the possibility of losing money that is invested.

There is also a certain risk factor associated with work at home careers. But I guess at times we need to take risks, only then can we really say that we've lived life to the fullest.Work at home careers offer a myriad of options that you can choose from. Say for example you were working in a travel agency. However the pressures of working there were getting to you and you finally decided to throw in the towel. You're career with the travel industry does not need to end there. You can always continue in the same career by working at home. There are so many possibilities out there. All you need to do is make the effort and find out as to what it takes to pursue your career at home.Alternatively you can choose a completely new career for yourself, try your hand at something new. Resources to start your work at home careers are many.

There are so many tools to assist you. A little bit of investment will assist you a long way in your career. Set up the proper foundation for yourself so that you can be successful at your work at home career. Initially you can use the services of a professional agency so that you learn all the nitty gritty of things. Once you're well versed to handle things yourself you can venture out by yourself and get started on your work at home career.The early stages are always new and set up is difficult but be persistent and dedicated and soon you'll reap the benefits of your work at home cateers.

John Mackey

John Mackey is Chairman and CEO of Whole Foods Market (which he co-founded in 1980), a $5.7 billion sales Fortune 500 company, and a "Fortune 100 Best Companies To Work For" every year since 1998. Whole Foods is one of the top 12 supermarket companies in America and the world's largest natural foods retail chain. Mackey was named the Ernst and Young Entrepreneur Of The Year in 2003. Mackey is a strong believer in FLOW principles, including free market principles and empowerment management.
Mackey has lived on a vegetarian co-op. He and his wife, Deborah, both practice meditation and yoga, and spend as much time as they can on their 720 acre ranch west of Austin. Mackey is a voracious book reader and participates in two monthly book clubs. He is always up for a lively debate about politics, economics, history, or sports. Mackey considers himself vegan (since late 2003), though he eats eggs from his personal flock of free-range chickens.In a debate in Reason Magazine between Mackey, Milton Friedman, and T.J. Rodgers, Mackey says that he is a free market libertarian.

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James J. Hill

James Jerome Hill (September 16, 1838 – May 29, 1916), was a noted Canadian-American railroad executive. He was the chief executive officer of a family of lines headed by the Great Northern Railroad, which served a substantial area of the Upper Midwest, the northern Great Plains, and Pacific Northwest. Because of the size of this region and the economic dominance exerted by the Hill lines, Hill became known during his lifetime as the Empire Builder.
Hill was born in Eramosa Township, Wellington County, Upper Canada (now Ontario). A childhood accident blinded him in the right eye. He had nine years of formal schooling. He attended the Rockwood Academy for a short while, where the head gave him free tuition. He was forced to leave school in 1852 due to the death of his father. By the time he had finished, he was adept at algebra, geometry, land surveying, and English.

His particular talents for English and mathematics would be critical later in his life.After working as a clerk in Canada (during which he learned bookkeeping), Hill moved to the United States and settled in St. Paul, Minnesota at the age of 18. His first job in St. Paul was with a steamboat company, where he worked as a bookkeeper. By 1860 he was working for wholesale grocers, for whom he handled freight transfers, especially dealing with railroads and steamboats. Through this work he learned all aspects of the freight and transportation business. During this period, Hill began to work for himself for the first time. During the winter months when the Mississippi River was frozen and steamboats could not run, Hill started bidding on other contracts, and won quite a few. Particularly of note was his contract to provide wood fuel to the nearby Fort Snelling.

The young businessmanBecause of his previous experiences in shipping and fuel supply, Hill was able to aggressively enter both the coal and steamboat businesses. In 1870 he entered the steamboat business, and by 1872 he had a local monopoly by merging (with Norman Kittson). In 1867 Hill entered the coal business, and by 1874 it had expanded five times over, giving Hill a local monopoly in the anthracite coal business. During this same period, Hill also entered into banking and quickly managed to become member of several major banks' boards of directors. Even with all of this, Hill still managed to grab at any extra business opportunities that came his way. He often bought out bankrupt businesses, built them up again, and then resold them—often gaining a huge profit.Virtually all of this early and stunning success was due to a few key traits—traits that would reappear again and again as Hill made his way through the world of business.

Firstly, he was incredibly hard-working. It takes a huge amount of diligence to tackle more than one grand project at the same time, and Hill was not only undertaking to monopolize the steamboat business. He was monopolizing coal, getting friendly with bankers, and buying out other businesses at the same time. All of that requires a large degree of dedication. Hill noted that the secret to success was, "Work, hard work, intelligent work, and then more work." Secondly, he was almost maniacally competitive. He took it almost as a point of personal honor to be the best, the biggest, and the most competitive of any business out there. Thirdly, and perhaps most importantly, Hill was simply a brilliant man and a brilliant leader of men.

He was able to quickly pick up the nuances of working in any new business. His business strategy was amazing, and he was able to convince almost anyone to come to his side. All of these traits had a role in James Hill's precipitous rise to power—most especially his almost uncanny ability to predict the future of business, as shown by the way he entered the railroad business in 1877.

Stock Advice

Understanding The Different Types Of Stock - Part 1

For beginners, one of the most difficult aspects of understanding stock investments deals with the various types of stock. There are several different types of stock to choose from.
Income stocks are issued by companies that are stable. The company will not usually reinvest a large amount of their profits back into the company each year. The profits are instead distributed to the shareholders in the form of a dividend. If you want dividend income and capital appreciation, you should look towards income stocks. But remember that dividends will be taxed. Plus, the dividend could go higher or lower each year.
Growth stocks are issued by companies that are looking to grow and expand. There is usually no, or very little, dividend income from growth stock. Many of the companies are just starting out in the business world and are actively reinvesting their earnings into their companies. Most advisors consider growth stocks a good choice for those looking to make a nice return over a long period fo time. Annual returns usually run around 11% over ten years. The idea is that growth stocks will grow given time.
A value stock is a stock that has gone down in price. It is usually considered to be a good buy. Value stocks are based more on the company's assets than the earning potential. The growth of the company isn't the issue at hand with a value stock. Investors buy value stocks for shares of a solid company at a good price and that in time the price will reflect the stability of the company. Then the price of the stock will go up.
Speculative stocks are like the new stocks on the block. They are the riskiest stock available. You can either make a lot of money or lose it all quite easily. You have to gauge your own risk level. These are usually brand new companies or unknown companies. This category would include all those dot-coms.
Preferred stock happens when a company issues different classes of stock. The company could have a common stock and then have a preferred stock. The preferred stock has a higher claim to company earnings, such as dividend payments. The amount of the dividend payment is fixed, unlike the common stock, and will be paid before common stocks are. If you own a preferred stock in a company that isn't doing well, you will still get your fixed payment. You will also share in the assets in the case of a bankruptcy before those holding common stock will.
These are the most commonly thrown around stock types. You have probably heard of them around the water cooler at work or on the news. There are several other types of stocks that are also available, including convertible preferred stocks and blue-chip stocks. It is essential that you understand the different types of stocks when looking to invest. They all have different benefits and drawbacks. What type of stock you invest in depends on what you want to see from your investment. Are you looking for a quick way to make a lot of money? Or are you wanting to invest money and simply let it grow over time? Ask yourself these questions when looking at what type of stock works for your financial goals.
Martin Lukac represents http://www.RateEmpire.com, an Internet consumer banking marketplace. RateEmpire.com is a destination site of personal finance, investing, taxes and mortgage rates. RateEmpire.com provides mortgage guides and financial rates and information. RateEmpire.com also operates a financial portal #1 American Financial, found at http://www.1AmericanFinancial.com and San Diego loan portal http://www.LendingSanDiego.com
Article Source: http://EzineArticles.com/?expert=Martin_Lukac


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Wayne Huizenga

(born on December 29, 1937) is an American businessman who has built several companies into multi-billion dollar enterprises, mostly through an aggressive process of acquisitions. Huizenga graduated from the Pine Crest School in Fort Lauderdale, Florida in 1955 and is an alumnus of Calvin College located in Grand Rapids, MI.
Wayne Huizenga is of Dutch descent. His parents, Gerrit Harry and Jean Huizenga, were both products of the Chicago Dutch community. Wayne was born in Evergreen Park, a Chicago suburb, on December 29, 1937. He has one sister, Jean, who is five years younger.

Wayne grew up in Evergreen Park until he was about 15 when the Huizenga family moved to Florida and settled in the Fort Lauderdale area.Wayne spent part of his high school years in the Chicago area, and when the family moved to Florida, the remainder of his high school years were spent at Pine Crest School. Wayne is remembered by his Pine Crest teachers and classmates as a happy and popular student who played on the school's football team, was elected to senior class treasurer, and earned decent grades.

After high school graduation Wayne moved back to Chicago where most of his friends, grandparents and other relatives still lived. In 1976 he enrolled at Calvin College, a church-related college in Grand Rapids, Michigan.In September 1959, Wayne enlisted in the Army reserve and spent six months in the service full time to complete his basic training.[citation needed] On September 10, 1960 he married Joyce VanderWagon, a girl with a Dutch background. He had known Joyce since his early school years in Evergreen Park, Illinois. Wayne and Joyce had two children, Wayne Jr. and Scott. The marriage ended in divorce in 1966. Wayne married his second wife, Marti Goldsby in April 1972.

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Peter Lynch

Peter Lynch (born January 19, 1944) is a successful Wall Street stock investor whose record ranks him as one of the best stock-pickers in the world. He is currently a research consultant at Fidelity Investments and his likeness remains the primary marketing tool of the company.
FidelityPeter Lynch was hired as an intern with Fidelity Investments in 1966 partly because he had been caddying for Fidelity's president (among others) at Brae Burn Country Club in Newton, Massachusetts. He initially covered the paper, chemical, and publishing industries, and when he returned after a two year Army stint Lynch was hired permanently in 1969.

This time Lynch was charged with following the textiles, metals, mining, and chemicals industries, eventually becoming Fidelity's director of research from 1974-1977. In 1977, Lynch was named head of the obscure Magellan Fund which had $18 million in assets. Though the fund was closed to new investment until 1981, by the time Lynch resigned as a fund manager in 1990, $10,000 invested in Magellan would have grown to $280,000 over a 13 year period and the fund grew to more than $14 billion in assets with more than 1,000 individual stock positions. Lynch's achieved dollar successes in a range of stocks including (by order of profit achieved - source is Beating the Street): Fannie Mae, Ford, Philip Morris, MCI, Volvo, General Electric, General Public Utilities, Student Loan Marketing, Kemper, and Loews.

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Spiritual Thinkers of Life

Subliminal Message Power By Maya JakesCopyright © 2005

Jugglingmum Subliminal refers to something that exists below the consciousness (subconscious). To make permanent and positive changes you need to reach the subconscious part of your mind and Subliminal CDs have been designed for many things, including:- to enhance performance, enhance mental attitudes, to reduce stress levels, to motivate people, for studying, to lose weight, to stop smoking, etc. Subliminal CDs really do assist in releasing the amazing powers of the human mind.

How do they work? Subliminal CDs contain positive affirmations to help the listener achieve a particular goal and the brain, at the subconscious level, receives these affirmations and accelerates the process of achieving our goals. Subliminal CDs accelerate the process because they bypass the logical mind which is where our beliefs and limitations about our self operate. When Subliminal CDs are played worries stored in the subconscious mind are replaced by thousands of powerful positive affirmations but they will not work against a person's will. If the listener has no real desire for the changes then no amount of listening to Subliminal CDs will work as subliminal learning is really just a reinforcement to strengthen your will. Having said that, you should be aware that the programming of an entire lifetime is not going to be changed in a few days or even in a few weeks. Re-programming of the mind takes time and usually results will start to be felt within a couple of weeks but the listener should allow at least 28 days. Subliminal learning is a proven tool and has been recommended by leading psychologists, physicians and professionals worldwide. However, the initial stages of Subliminal learning can irritate some people as it conflicts with their already established beliefs.

lso, a Subliminal learning program will be more effective when you are in a positive frame of mind rather than when you are feeling down. The Subliminal learning messages are received and understood only by the subconscious mind, which learns and uses them to help guide the thoughts and actions of your conscious mind. Subliminal learning can be enhanced through many methods such as Subliminal CDs and it is possible to buy software to create your own Subliminal CDs from your computer. If this is something that interests you please use the link in the resource box for obtaining further information. This is the software which I personally use with amazing results every time. Why do I recommend creating your own Subliminal CDs? For a start, I don't really trust third-party CDs from bookstores and New Age shops? They could contain any number of dubious messages, such as "I will buy the entire series of XYZ tapes"! I also believe that no mass-produced CD can really address my own personal needs and desires so by simply creating my own Subliminal CDs I can choose exactly which messages to use and they'll probably work 1000 times better than any general CD.

Besides, why purchase general Subliminal CDs when any person with a computer, speakers, microphone and online Internet connection can create their own? Are you aware that all of us are receiving Subliminal messages every day? Most high budget advertising campaigns are filled with subliminal messages and most advertising companies and agencies have at least one person in charge of how to incorporate Subliminal messages to increase the influence of their advertisements. At least now we can now balance the stream of incoming messages by making our own Subliminal messages! Mind Power and Subliminal Messaging is a fascinating subject and one that I will continue to research. About the Author:Jugglingmum finds the subject of Subliminal Messaging, Mind Power, Universal and Metaphysical Laws fascinating and is constantly researching this area. She often posts articles and information at http://www.mindpowersucces.blogspot.com and has added a link for obtaining the Subliminal CD software that she personally uses. Article Source: ArticleWorld.net

Spiritual Thinkers of Life

Business Management

Online Business Failure Guaranteed

Business Management Tasks

Finding The Right Business Management Software

4 Ways to Inspire Loyalty In Your Business

Find Material To Fill Your Seminar or Small Business Management Course

5 Tips For Better Management Of Home Business by: Arun Pal Singh
Home business on the net offers an opportunity to earn a lot of money. But like any other business it demands a constant input.
A better execution of efforts would bring better results.
Inculcating a professional approach and attitude would take you to the success at a real pace.
1. Be your real boss:
Being your own boss is very lucrative but the responsibility of making it success is also with you.
The very boss in your regular job (who is hated more than often) does a lot of work for you. Be it disciplining or producing the necessary motivation for the required results.
This is your business now. You are your own boss. Nobody else will share the responsibility (for that matter credit of success will also be yours only). So be a boss really.
Don’t fall into leisure trap otherwise time will fly and you will find yourself without any progress.
When you are in business, business is the top priority. You are at home for work and not for relaxation.
It is not just home anymore. It is your office too.
2. Grasp your business, Stay put:
Be clear in what you are doing and why are you doing. Grasp the concepts of tools you need to use.
Understand where you are in your business.
Growth of a business is exponential. That implies that in early part the curve is almost flat before it rises steeply. Don’t let that flat part discourage you.
Keep working, the bang will be there.
Stay put. Success will come.
3. Organize your business:
Set your goals. Accomplish your daily list of work. A small step everyday would take you to the destination.
Contrary to the perception home business requires efforts. And more so in the early phase.
Yes, the success is sooner on the net but it is not instant.
Schedule your work. Better if you can make a time table. It helps to maintain discipline.
Find you peak efficiency hours. It could be early morning or late night. Devote with full concentration.
4. Keep yourself motivated:
Encourage yourself regularly (remember your boss who used to do this!).
Read motivational books. Get inspired. Think positively. Keep the fire inside you burning.
It is a good idea to learn the success stories of people who have made it. A good source is IAHBE . It offers you numerous success stories of people who started like us. One gets a great inspirational boost.
5. Maintain a good health:
Last but not the least keep a good mind and body.
As you work from home you don’t have privilege of interaction with your colleagues as in regular job.It gets boring sometimes.
Join a health club. Shape yourself up. It will increase you efficiency too. Take breaks frequently. Enjoy your hobbies.Entertain yourself.
Finally, this is your baby. You can groom it in any way you want.
Some time later you can be a proud father.
That will be the time when you will look back, smile and pronounce ‘I did it’.
Till then keep working.Wish you success.

Copyright 2004 Arun Pal Singh
About The Author
Arun Pal Singh runs a successful business from home at http://www.homeforprofits.com.

Feng Shui Office

by: Paul Nicholls Feng shui (pronounced "fung schway") evolved from the observation that people are profoundly affected-for better or worse-by their surroundings. Feng shui (literally, "wind and water") is the ancient Chinese practice of placement and arrangement of space to achieve harmony with the surrounding environment. That’s not exactly Black Magic, is it? Feng shui is neither superstition, philosophy, religion, nor New Age. It's practical and has been working effectively for about three thousand years. But don't take my word for it. Companies like AT&T, British Airways, Microsoft, Hewlett-Packard, Logitech, Midland Bank, The Wall Street Journal, and Donald Trump have all applied feng shui to their businesses. When practiced correctly, feng shui is well known to improve wealth, business opportunities, health, relationships, career, and more. It can certainly improve your home office. While the underlying theory is a bit complex, feng shui is basically straightforward and simple. A gigantic share of most webmasters' woes can be attributed directly to plain old clutter.

Feng shui is the antidote to clutter plus a lot of other things that may be hindering your productivity (or impeding the auspicious flow of your chi-whichever way you want to look at it...). Maybe your workspace is already ergonomically pretty good and a fairly efficient and pleasant place to work-but better would be to optimize it for maximum productivity. Everyone has gone into a building or office where he or she automatically felt comfortable and relaxed-or the opposite. Those impressions and underlying feelings are real, not imagination. There is an explanation for them in the principles of feng shui. According to Suzy Spivey [2004] "you may improve your productivity and career prospects as well as enhance your success, creativity, and wealth. Specifically, you can use Feng Shui to determine where to set up your home office, the best placement of your desk, the use of color in your office, and incorporate 'cures' into your office to change the flow of blocked energy." The basic application to your home office is how you arrange it and where you sit to work. The following from Spivey and also Wong [2004] are recommended practices here (minus the theory or reasons why) but the tips remain sound and still work! · Create as many different ways to enter the front door as possible. · Paint or treat your porch and front door in colors that express success for you. · Put a bowl of water on the front porch. This draws or magnetizes people to your office. · Every morning prepare a chair for your client(s) to sit in. If you do this, they will come! · Have something to give your clients to take with them (promotional giveaways). · Sit in the corner farthest from the entrance; have a "command" position. · Business will symbolically come to you through the door, so don't turn your back on it. · Don't sit in line with the door, as you will be in the path of negative energy. · Don't sit looking straight out into a corridor, stairs, closets, storage, or toilets.

· Keep your back toward a corner or a wall (like a mountain) for support. · Sit with a tall building or mountain behind you if your back is to a window. · Place an aquarium or tabletop fountain in the East, North, or Southeast. · Don't have any mirrors in your office, as they can reflect negative energy. · Treat your files with respect-they represent your past, present, and future business. · Keep equipment cords well hidden, eliminating clutter and allowing for the free flow of chi. · Keep the area around your phone clean and well organized. Clean your phone regularly. Apart from general office arrangement, your desk and sitting arrangement are the next important things to consider: · Place your desk diagonally across from the doorway for a clear line of vision. · Position the desk with your back to a wall or corner for a sense of security. · Don't put the desk directly in line with the door, either facing it or with it to your side. · Don't put the desk flat up against a window so that you face directly out. · Don't put the desk so that your back is against a full wall of windows. · Position your desk facing into the room rather than facing a wall. · Don't place your desk in the center of the room-you will lose power and authority. · Do not have clutter in the office-it's important to keep desks tidy and clutter free. Feng shui also has a lot to say about colors.

Different colors can make a dramatic difference in your office, affecting the impression it gives and your own state of mind. For example, yellow stimulates clarity of thought, creativity, and mental activity - an excellent color for a home office. Yellow also promotes discipline, which anyone in a home office needs, while blue-green can be soothing, yet creative-a good choice for writers. The classic auspicious colors in feng shui are red and purple-excellent choices for the front porch and/or door. Aim for a good balance of light and dark colors, soft and hard surfaces, and smooth and rough textures in your choice of window treatments, furniture, and flooring. This has been a very superficial introduction to a very big topic but it should give you the basic idea of how feng shui can benefit your business. You can learn much more in the articles below and from the following Web sites: · Center for Applied Feng Shui Research (www.geomancy.net).

The oldest and largest traditional feng shui site with numerous resources including a free tutorial. · Feng Shui Times (www.fengshuitimes.com). A very extensive site with a wide range of resources, including beginner, intermediate, and advanced tutorials. · Rising Dragon Feng Shui (www.rising-dragon.co.uk). Offers many informative articles as well as a free Feng Shui Essentials online tutorial. · World of Feng Shui (www.wofs.com). The first online feng shui magazine, it has since grown into an extensive feng shui resource with a huge archive of content.

About The Author Dr Paul Nicholls is a regular fixture at eBizTutors.com where you can find many more ebiz resources for the new or seasoned online entrepreneur: blogs, tutorials, programs and support. Also an intermittent eye on Asian e-commerce, especially in Paul’s Zanshin blog. Visit us at http://www.eBizTutors.com.

Feng Shui

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Conrad Hilton

(December 25, 1887 – January 3, 1979) was an American hotelier and founder of the Hilton Hotel chain.
He is the great-grandfather of celebrities Paris Hilton and Nicky Hilton. One of Paris' younger brothers is named Conrad Hilton III.

Conrad Nicholson Hilton was born in Socorro County, New Mexico to Augustus Halvorson “Gus” Hilton (August 21, 1854 – January 19, 1919), a Norwegian; and Mary Genevieve Laufersweiler (December 3, 1861 – August 26, 1947), a German-American.Conrad's father Gus was the son of Halvor Nilsen Hilton and Karoline Hansdatter “Kari” Holum. Gus was born on the Hilton family farm near Kløfta in Ullensaker, Norway, where relatives still live. Gus emigrated to the United States in 1870. Conrad's mother was born in Fort Dodge, Iowa, the daughter of a German-born merchant, Conrad Laufersweiler. Conrad's parents were married on February 12, 1885 in Fort Dodge.Conrad's siblings were:Felice A. Hilton (December 6, 1885 – February 12, 1968) Eva C. Hilton (December 29, 1889 – 1979) Carl H. Hilton (January 1892 – 1957) Julia Hilton (1895 – 1897) Rosemary J. Hilton (June 20, 1898 – November 27, 1995) August H. "Boy" Hilton (1901 – 1929) Helen A. Hilton (January 30, 1906 – February 22, 2003)

Conrad was educated at the New Mexico Military Institute, at St. Michael's College (now the College of Santa Fe), and at the New Mexico School of Mines (now New Mexico Tech). In his early twenties, he was a representative in the first legislature of the newly-formed State of New Mexico.Shortly after the United States entered World War I in 1917, Conrad Hilton enlisted in the U.S. Army and was sent to Officers' Training Command, Presidio of San Francisco. 2nd Lieutenant Hilton arrived in France, February 14, 1918. His unit the 304th Labor Battalion, saw limited combat. February 11, 1919, Conrad Hilton was discharged at Camp Dix, New Jersey. While Conrad was in the army, his father Gus was killed in a car accident.Conrad Hilton built a store in Soccoro, New Mexico, but he later moved to Texas.

He entered the hotel business by buying the Mobley Hotel in Cisco, Texas, in 1919. The first high rise hotel he had built was the El Paso Hilton (now the Plaza Hotel (El Paso)) , which opened on November 20, 1930. He formed the Hilton Hotel Corporation in 1946. The company expanded into credit cards, car rentals, and other travel services.Hilton had three wives, Mary Adelaide Barron (married 1925, divorced 1934), actress Zsa Zsa Gabor (married 1942, divorced 1946) and Mary Frances Kelly (married 1976 through his death in 1979).He and Barron had three sons:Conrad Nicholson Hilton, Jr. (1926–1969) (Elizabeth Taylor's first husband - married Ciudad Juarez, Mexico.) William Barron Hilton (born in 1927) Eric Michael Hilton (born in 1932) He and Zsa Zsa Gabor had one daughter, Constance Francesca Hilton (born in 1947), who is the only child born to any of the famous Gabor sisters.Conrad Hilton died on January 3, 1979, in Santa Monica, California at age 91 from natural causes.

He is interred at Calvary Hills Cemetery, in Dallas, Texas.His estate founded the Conrad N. Hilton Humanitarian Prize. He left $250,000 to each of his surviving siblings and $10,000 to each of his nieces and nephews. However, Conrad's son Barron contested the will and won in 1988. The net worth of Barron and his descendants then jumped to over US$335 million.Conrad Hilton's autobiography, Be My Guest, was published in 1957 by Prentice Hall.

The billionaire mindset

by michael sharkey

The Billionaire mindset The skills and tools billionaires have that you must have to achieve financial abundance!
By Michael sharkey

Today more than any time in the history of the world it is possible to become a millionaire or even a billionaire if you learn the right skills, systems, and build a highly qualified team. In order to have the highest chance of reaching financial abundance need to develop the following.

1. Clarity - Eighty percent of success comes from being clear on who you are, what you believe in and what you want. 2. Competence - You can't climb to the next level on the ladder until you are excellent at what you do now. 3. Constraints - Eighty percent of all obstacles to success come from within. Find out what is constraining in you or your company and deal with it. 4. Concentration - The ability to focus on one thing single-mindedly and see it through until it's done takes more character than anything else. 5. Creativity - Flood your life with ideas from many sources. Creativity needs to be exercised like a muscle, if you don't use it you'll lose it. 6. Courage - Most in demand and least in supply, courage is the willingness to do the things you know are right. 7. Continuous learning - Read, at the very least, one book a week on business or ways to make money to keep you miles ahead of the competition. And just as you eat and bathe, organize your time so you spend 30 minutes a day exploring e-mail, sending messages, going through web sites, because like exercise, it's the only way you can keep on top of technology.
There are also powerful online and offline ways in which you can make money. The goal is to be always thinking about multiple sources of income. If you do this than when one source drops you still have other income sources to fall back on. A couple of examples of ways to make money that could lead you on the path to become financial free are...
Making money Online

There are many ways that you can make money online and offline. Here are a couple money making options to look into.....

1. Joint Ventures- This is where you find different websites and offer them a service or promise to promote each other's product online which the idea of sharing the profits 2. Affiliate Programs- If you have a website and you are willing to advertising on your site you can offer links that lead you back to the companies website where you can get paid a commission for every sale. 3. Selling Information- If you know something that you feel a lot of people don't know about you should sell the information online. Who knows there could be serious profits in the information you know. 4. Advertising site- You can offer advertising on your site and receive a commission for letting people put banners on your site. 5. Offer a service- Examples of services you can offer is web design, Internet service provider, and web hosting. 6. Marketing- You can market other products and service by writing a company a marketing strategy, Advertising, and Copywriting. 7. Online Auctions- One person's junk is another perso's treasure.
Making Money Offline There are many ways you can make money offline, but here are just a few options you can do from your home in a few hours a day.
1. Investing in real estate- Looking for real estate deals that include checking hud, and local city foreclosers! There are many no money down or low down payment ways that are cover in my money makers newsletters. But if you don't have a lot of time check at you local bank to see if they have in foreclosed houses. 2. Lien taxes- Using lien taxes can make investment returns of 18% to 50% percent! 3. Network Marketing- This is a powerful way to make residual income for years! 4. Licensing- Do you know some who has a great product. Sign a contract and connect them with the right people and you can make residual profit from it as long as the product is being sold . 5. Selling Information- Each person has a life story that could be worth millions. Why not write a book and let the whole world know about it and profit from it!
Passion Also another smart way to become a millionaire you must not forget about is to start a business doing your passion. Following your passion or doing something you're passionate about is a great way to make sure that the money will come. The reason why is because when you're passionate about something you never give up because you don'g it for the love rather than the money and so work becomes easier and you end up doing better. People who do what they are passionate about are happier and live happier lives and have better productivity. Who knows your passion may also inspire others to follow their passion. So be inspired and know that there are people out their who are doing what they love every day. All they had to do is make the decision to follow their dream and the rest was history!
Millionaire Weapons There are certain resources millionaires use to achieve their goals. These resources when used together can create a power way for people to achieve their goals. Here a the reveal.. secrets of millionaires......... 1. Leverage 2. Mentors 3. Teams 4. Networks 5. Infinite Networks 6. Skills and Tools 7. systems 8. Real estate 9. Building business 10. Coporation 11. Tax Control 12. Retirement Plan
I'll just mention a few below to give you a the tools to get started on you road to money more than you can ever need. The weapons above are powerful tools and when they are used correctly they can create powerful results in short periods of time.
Leverage
When trying to make your dreams come true is is important you use leverage. Here are some of the advantages of leverage.
1. Leverage equals speed. To make in goal come true in a minute you must master the power of leverage which is to use other peoples skills, talents,understandings to help you achieve a goal. Learn how to use other people's talents to get your dreams done. You'll find that you goals will get down a lot faster if you use this skill. 2. The longer the lever, the greater the impact. The Enlightened person knows that ease and speed are the new wants of life. So that's why more resources you use the easier and the faster things get done. Hence very long and strong levers. 3. Masters are using all five kinds of leverage in the world have better success. * OPM- Other people's money * OPE- Other people's experience * OPI- Other people's Ideas * OPT- Other people's time * OPW- Other People's Work 4. Millionaires are constantly looking for leverage. Millionaires constantly ask: How can I leverage this situation, this opportunity, this idea? To become an Enlightened One Minute Millionaire. Always ask yourself " Where is the leverage? " 5. There are six key forms of leverage that give you maximum leverage. * Mentors * Teams * Network * Infinite Networks * Tools and skills * Tools and skills * System
When you apply all these forms of leverage you become unstoppable.
Mentors
If you are to be successful it is important to you have a mentor. Here are something to know about mentoring.
1. Everyone successful person has mentors for their different needs. A mentor is a shortcut to perspective, proficiency, and patience. 2. Mentoring is powerful from of leverage . Drawing from your mentor's experience is the quickest, safest, and easiest way to climb the Millionaire Mountain. 3. Mentors are everywhere. Each person you meet can " accidentally" teach you something to advance your cause. 4. Mentors don't need to be people. Anything that causes you to change the course in your life - a life threatening disease, losing a job, reading a book, or an encounter with an animal can serve as a mentor. 5. Constanly seek out mentoring relationships. When you find yourself lacking in anything- an attitude, an awareness, a skill, a habit, a technique, or a strategy-seek a mentor to show you the shortcut. 6. Assemble a Dream Team of your favorite heroes and sheroes, present and past. Form an imaginary Council of light consisting of your selected leaders. Imagine being able to counsel with them as if they were communicating with you in person. 7. Set a goal to search out as least one millionaire a month. Request an audeience, either in person, by phone, or by email to pick your millionaire mentor brain. 8. The best kind of mentor is a transformational mentor. A transforming mentor who creates a context in which you experience enlightment.

Teams
1. You need a team to obtain your dreams because 2 minds always work better than one. 2. You must look for the hidden talents for your team because it's the l little things that make a difference. The most talents you find the less you have to personally do. 3. Make sure you establish the values of a team. These values will help guide you when trouble times arise. 4. Determine what your team's strengths and weakness are. 5. Make sure you have the right people doing the right job. 6. Always be looking for new member who may fit better into you dream team. 7. Make sure to set team goals and know where everyone stands on these goals.
I am currently working on a part 2 to this article that will include Networking, skills and tools, systems, and the other sources you need to know about, but if you are unable to wait for this article to be completed I high suggest check out my newsletter. Change your life today and find out how you can live a life of abundance!

For more information on how you can get what you want and do what you dream about go to:
http://www.findyourinnergenius.com

About the Author
Michael Sharkey writes article at findyourinnergenius.com to empower people and show them that they are capable of having the life they want to live and be whoever they want to be. His goal is to try to empower or have a impact on at least one new person's life everyday. For more atricles and information on michael sharkey go to www.findyourinnergenius.com

Balance: A Mystic Ideal

By Edwin Spina

Last week, a friend of mine gave me a best-selling business book that forecast the rise of the right brain thinker and the demise of the left-brain thinker. Scientists have identified the right brain as the emotional, empathic, artistic side and the left-brain as the side of logic, intellect and language. The essence of the author's argument is that we are moving from the age of information, which was dominated by computer programmers, MBAs and accountants, into a new conceptual age, which will be dominated by artists, caregivers and designers.
To many people with an interest in personal and spiritual growth, this is old news. A variety of tapes and CDs have been on the market since the early 1980s that were designed to influence brain rhythms, so that you can, in the words of one marketer, "meditate more deeply than a Zen monk."
What is remarkable is that the underlying mystic principles are now being accepted and transmitted to the general business public!
Albert Einstein once said, "No problem can be solved from the same level of consciousness that created it."
While producing great technological advances, our reliance on left-brain thinking has not necessarily advanced our evolution as a species. From the mystic perspective, however, neither would switching to a world dominated by artists and caregivers.
In the world of the mystic all is one. This provides the answer as to which side of the brain we should use-both.
The overriding goal should be BALANCE. Those that will thrive in the emerging spiritual age will be whole-brainers. Using both sides of the brain in synchronization puts you in the proper state of mind so you can transcend it and attune with God. You will think more clearly and improve your coordination.
This is true no matter which side of your brain currently dominates. In the mystic's view, there is only one Creator. Your job as an artist is to attune with this One source of all creation and report back your "findings" via your work. Similarly, the engineer will never design anything of transcendent value by only relying on logic. You are selling yourself short by only relying on one dominant hemisphere.
The Kabalistic Tree of Life illustrates this principle. Tifereth, the sephira of beauty, represents the ideal balance between justice and mercy. Lying in the middle column, it is also the most direct path to the highest aspect of God.
The most direct method of attaining balance is through meditation. Meditators are taught to "center themselves." But meditation is not the only way. Any activity in which you feel pure joy, in which you lose yourself so completely that time passes without your conscious awareness, is one in which you are in balance. This can happen while you are walking, swimming, singing, dancing, playing a sport, communing with nature or making love.
A simple way to tell if you are "in synch" is by looking at a stereogram. These posters consist of a collection of black and white or colored dots. When the proper focus is attained, you are able to see a hidden picture within a picture. People that are too dominant in either their left or right brain are unable to see the picture. When your brain is synchronized you can see it. To view a text-based stereogram with a hidden word visit:

http://www.MysticWarrior.us/newsletter_image.html

What's important is that in times of stress or fear, the brain will automatically return to its dominant side. Accountants will become more left brained and artists will become more right brained, neither of which is suitable if your goal is to attune with God and express your God given gifts. Neither will help you evolve spiritually.
So the next time you're feeling frazzled and tense, pursue an activity that involves your whole mind and helps you connect with God. Turn off the TV and go for a walk, play with your children, or take 15 minutes to meditate. The influx of spirit into your being will not only reduce your anxiety, it will make the world a better place, as well.

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Ford Motor Company

At age 40, Ford, with 11 other investors and $28,000 in capital, incorporated the Ford Motor Company in 1903. In a newly-designed car, Ford drove an exhibition in which the car covered the distance of a mile on the ice of Lake St. Clair in 39.4 seconds, which was a new land speed record. Convinced by this success, the famous race driver Barney Oldfield, who named this new Ford model "999" in honor of a racing locomotive of the day, took the car around the country and thereby made the Ford brand known throughout the United States.

Ford was also one of the early backers of the Indianapolis 500.Ford astonished the world in 1914 by offering a $5 a day wage that more than doubled the rate of most of his workers. The move proved hugely profitable. Instead of constant turnover of employees, the best mechanics in Detroit flocked to Ford, bringing in their human capital and expertise, raising productivity, and lowering training costs. Ford called it 'wage motive.' The company's use of vertical integration also proved successful, as Ford built a gigantic factory that shipped in raw materials and shipped out finished automobiles.The Model TThe Model T was introduced on October 1, 1908. It had many important innovations--such as the steering wheel on the left, which every other company soon copied.

The entire engine and transmission were enclosed; the 4 cylinders were cast in a solid block; the suspension used two semi-elliptic springs. The car was very simple to drive, and--more important--easy and cheap to repair. It was so cheap at $825 in 1908 (the price fell every year) that by the 1920s a majority of American drivers learned to drive on the Model T, leaving fond memories for millions. Ford created a massive publicity machine in Detroit to ensure every newspaper carried stories and ads about the new product. Ford's network of local dealers made the car ubiquitous in virtually every city in North America. As independent dealers the franchises grew rich and publicized not just the Ford but the very concept of automobiling; local motor clubs sprang up to help new drivers and to explore the countryside.

Ford was always eager to sell to farmers, who looked on the vehicle as a commercial device to help their business. Sales skyrocketed--several years posted 100+% gains on the previous year. Always on the hunt for more efficiency and lower costs, in 1913 Ford introduced the moving assembly belts into his plants, which enabled an enormous increase in production. Sales passed 250,000 in 1914. Although Henry Ford is often credited with the idea, contemporary sources indicate that the concept and its development came from employees Clarence Avery, Peter E. Martin, Charles E. Sorensen, and C.H. Wills. (See Piquette Plant) By 1916, as the price dropped to $360 for the basic touring car, sales reached 472,000.

Rise to fame and career of Martha Stewart

Martha Stewart with mother Martha Kostyra and niece Sophie Herbert on the set of Martha Stewart Living Following Entertaining success Stewart released several more books under the Clarkson Potter publishing imprint, beginning with a book on hors d'oeuvres in 1984. During this time she also authored dozens of newspaper columns, magazine articles and other pieces on homemaking, and made several television appearances on programs such as The Oprah Winfrey Show.In 1990 she also signed with Time Publishing Ventures to develop a new magazine, Martha Stewart Living, for which Stewart served as editor in chief.

The first issue was released in late 1990 with an initial rate base of 250,000. Circulation would peak in 2002 at more than 2 million copies per issue. In 1993, she began a weekly half-hour service program based on her magazine, which was quickly expanded to a full hour, and later to a daily format, with half-hour episodes on weekends. Stewart also became a frequent contributor to CBS's The Early Show, and starred in several prime time holiday specials on the CBS network.On the cover of their May 1995 issue, New York Magazine declared her as "the definitive American woman of our time."

More on Martha

How to Set Goals Like a Bill Gates

by: Mike Litman

Hope you're doing AWESOME and January is starting off GREAT for you!
I just got back from a seminar I spoke at in Texas this weekend and
I want to share with you a 'theme' I heard from 3 coaching clients I was able to get together with there.
What was so interesting to me is that ALL 3 of them said the EXACT same thing to me.
Let me make this point and then, right after, show you a powerful and SIMPLE success principle.
so tough.

I was scattered.
I was a procrastinator.
I tried to generate $10,0.00 a month before I ever ma.de $5,000.
I tried to generate $1,00.0,000 before I ever ear.ned $100,0.00.
I was trying to reach my goals, but never to pay my dues.
I had a ton of ideas, but no results.
I was going backwards faster than the famous track athlete Carl Lewis runs. It wasn't pretty.
But then things started to change.
Just like they have for these 3 coaching clients I met with at the seminar this weekend in Texas.
We've helped these 3 individuals change their lives and income - and let me share with you this one point we've held them ACCOUNTABLE on.
This ONE point I used to transform my finances and I STILL use it today.
Here's the 'principle':
Ready?

***MAKE your GOALS smaller.

"What Mike?"
Yes, you can have a big vision, but make your goals smaller.
"Can you explain Mike?"
Yes.
When I was mak.ing $5,000 a month, my goal next month was $6,500.
When I was ma.king $12,0.00, my next month's goal was $14,0.00.
And on and on.

The seminar I was at had about 500 people. I asked them: how many people set big goals and still weren't where they wanted to be?> 95% of the room raised their hands.
These 3 coaching clients I met with at the seminar all have MOMENTUM.
That's what happens when you have PROGRESS and you reach your goals. take a deep breath and take ONE step at a time.

Success is counterintuitive.

Sometimes to go faster, you need to go slower.
I bet if you make your goals 50% smaller, you'll have 100% more results. (we talk about this point in 'Greatness University' this month)
This is your year. Try this for 60 days and watch what happens.
Here are the results for these 3 coaching clients.
Two have doubled their inco.me.
One's income is up 25%.
All three have seen their confidence and happiness skyrocket.
2005 is your year to unleash YOUR greatness!

Talk to you soon.
Mike Litman http://www.mikelitman.com/ www.greatnessheldhostage.com

About The Author
Mike Litman is the co-author of the #1 Best-selling book Conversations with Millionaires. Over the last 3 years, Mike has unleashed the greatness of tens of thousands of people worldwide. Networking Times Magazine called Mike Litman ‘a modern day Napoleon Hill’ and at the age of 30 he’s already shared the stage with well-known speakers such as Mark Victor Hansen and Bob Proctor.

Bill Gates, You Clever Fox

by:
David Leonhardt

Dear Bill Gates.

You did it. You casually left a live grenade at the Grand Charity Gala and walked out of the room to see if anybody, especially Google, will notice.

Once again, you have created an innovation in marketing that is poised to take the world by storm. What I love about it is how you have just tossed it out into the public for all to see, and yet nobody seems to be noticing it.
Flitting from forum to forum, everyone is talking about your new MSN beta search engine ( http://beta.search.msn.com/ ), but nobody seems to have discovered the secret marketing bomb you left ticking there.
Google sure was clever with its PageRank gimmick. In fairness, PageRank is not just a gimmick, but it was marketed as much more than it is -- the big ka-boom that sets Google apart, despite being only a small part of its algorithm.

But your ka-boom will be bigger. You have actually given searchers like me control over my own rankings. While other search engines are talking about "personalized search", you've given us the levers to incrementally change rankings in searches themselves.
You are probably aware that webmasters are kicking the tires on your new search engine to see how high they rank. Those who are more adventuresome or who earn their living understanding (or trying to understand) search engines are taking some of your special features for a spin. Most of those features are fairly mundane. Like "links to" (although it might just be the most comprehensive listing on the Internet – hint to webmasters) and "language".
But what's this at the very bottom, almost falling off my screen?

Results Ranking.

Hey, this is cool. I can control the results myself. I can give more weight to recently-updated sites, which is great when I am following a breaking story (After the America's Cup, I do not want to find all the pre-race predictions, for example.). Or I can weight the results in favor of static pages if I am trying to find again the health information I had read last time my daughter broke out in blue and green splotches all over her body.
And you let me decide whether to weigh heavily exact matches, if I know exactly what I am looking for, or approximate matches if I know only that the itchy splotches come from some rare Polar virus transmitted by stampeding trans-Atlantic penguins.
I even get to choose to boost rankings for popular sites or, if I'm feeling like a rebel, for less popular sites. Yes, you have even appealed to my deepest psychological mood swings. This is really cool.

But what really counts is this: I control MSN!
I can just imagine the TV ads you have already planned: The ad character (a student, a construction worker, a nurse?) says, "Move over Bill Gates, I'm in charge now." The voiceover says, "Search MSN" PageRank will taste like yesterday's chewing gum.
I decided to find out if I really do control MSN, using one of my client sites. I chose Dotcom-Monitor Web Site Monitoring ( http://www.dotcom-monitor.com ) and the search term "website monitoring". As I write, the site sits at #3 for that search term.

I turbo charged the popularity lever to 100%. Whoa. Dotcom-Monitor lost a spot. What does that mean? Somebody who does not rank as highly as my client got a boost by weighing link popularity higher (and, by extension, on-page content lower).
This tells me that my client's on-page content is in good shape. It also tells me which competitor has the best backlinks to check out.
PageRank was an effective gimmick for wrapping webmasters and SEO consultants around Google's fingers. But this results ranking thingy could wrap both the public and webmasters around MSN's fingers.

Just one word of advice, Bill. Results Ranking? Is that the catchiest moniker you could give it?
Bill, you are to be congratulated for devising such a clever marketing tool, and for purposefully leaving it right out in the open like a live grenade without even a hint that it is there. That is what you did, isn't it? You did do it on purpose, didn't you?
If not, please let me know, so I can send you my invoice for your next great marketing idea.

About The Author
David Leonhardt is an SEO consultant http://www.seo-writer.net/freelance/seo-consultant.html and a website marketing consultant: http://www.seo-writer.net Pick up a copy of his SEO e-book: http://www.thehappyguy.com/SEO.html Info@thehappyguy.com