Not Enough Money?
I believe that most people haven't got enough money for everything they wish to have - the more you have the bigger your plans, and you have a feeling that you have less and less money.
Whether you have lots of money or just so-so, you need to economize and take proper care of your money ie your income, expenditures, savings and investments.
Below I give you 7 Golden Rules to a Financial Prosperity:
1) Always have several streams of income: never rely on one income from one source only. <
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2) As soon as you start to earn, start to put aside a certain amount to create an automatic money source: I remember I have always had my own portfolio since I was a child, and can tell you that I needed it several times. Even if you have property, you may find yourself in a situation when you need fast cash. In such a situation, you will not sell your property, but you can sell part or even the whole of your portfolio.
You don't need to start your portfolio with thousands of dollars, you can develop it.
You only need to set a rule that you won't touch it when you don't need it, and keep it for vital urgencies. To buy a better car or a bigger house is not an urgency.
3) Always take care of your money personally: it's not necessary to do everything personally as soon as you can afford it but never allow any other person to have a right to handle your money without your knowing, or your express approval. If you think that you don't have time to supervise this or that it's not important, you will have to find it later for much more unpleasant things when you lose your money.
Many of you will 'hate' me for what I'm going to say now and I will receive lots of disapproving messages but I have to say it: don't even allow your spouse to do this - love and money is not the right association, and I know what I am talking about. Keep these apart.
Don't supervise your investments and expenditures only - Always strictly collect your money. Never allow people to owe you - again: with no regard to how much money you have, always demand every dollar you earn to be paid to you.
4) Strictly distinguish between expenditures and investments: it's very easy to put everything as cost or overhead: don't do this. Apply an easy rule: expenditure or cost is money thrown out of the window - you can't expect any return money on it, while investment is desirable (of course, not every investment is desirable): this should bring you more money, more property able to make you more money - the only questions you should carefully consider are whether you can/should afford such an investment at the moment, how much you're going to get back, how fast and whether it is acceptable.
5) Keep your expenditures at the minimum with no regard to how much money you have: expenditures are killing for everyone. It's useless to tell you stories about big fortunes lost by unwise costs. I'm sure you know many yourself from your neighbourhood.
6) Avoid loans, don't borrow if you don't know for sure you can repay. Never purchase anything on future incomes or promises.
Just a little example: if I have a notice that a payment is on its way to my account and I need the money today for some reason (however, I can't see any reason like that :-) - never mind), I can borrow. But, if I think I will sell 1,000 books next week, I mustn't borrow.
7) You must always earn more than you spend. In case you don't earn more than you spend, then you must spend less. In other words, you must always be in green.
If you think that you must swap your car every six months even if you should borrow, then it may easily happen that you won't drive anything in a very short time.
I don't want to waste hours of your precious time by long essays on savings and wise advice. Just adopt one principle and whenever you want to do something with your money (- whether it's thousands or millions or just a couple of bucks), just think about it: take care of the pennies and the pounds will take care of themselves.
About the Author Irena Whitfield, the webmistress of http://www.thecassiopeia.com and http://www.irenawhitfield.com - is the Internet Business Consultant you need to make your online home business a real success. Without any hype, she will help you to get where you want to get. Get her new book 'The Success Seeds: the Entrepreneurial Bible' and make your business profitable: http://www.thecassiopeia.com/TheSuccessSeeds.html
Tuesday, July 14, 2009
7 Golden Rules to Financial Prosperity
Anyone Can Make Money Online! 10 Strategies To Help You Get Started
#1 Affiliate Programs: Affiliate programs are usually described as when a company or individual pays for traffic that you send to their website that promote sales. For example, if I sent you over to FluxService, which is a webhosting company, and you signed up for hosting, or one of their other services, like programming or web design, then I would get a cut of the price of whatever you bought from them.
#2 Google Adsense And Selling Adspace: Selling space for ads is when other people make an ad and submit it to Google, or any of multi
le adprogram sites out there, and then you sign up on the other end, and put their ads on your site or blog. If people visiting your site click on the links, you get paid anywhere from a couple of cents to a few dollars. It's one of the most well-known ways to get paid for your blogging.
#3 Freelance Writing, Graphic Design, and Technical Knowledge: On websites such as Elance and
FreeLanceDesigners , you can sign up to bid for designing, programming, or writing contracts. If people like your work, you will get placed high in the list of "experts." From the Elance website, "Elance is a global solution that enables entrepreneurs and businesses to launch, build and grow their business from anywhere in the world. The Elance platform allows businesses to easily find, hire, manage and pay highly qualified professionals - for exactly what they need, when they need it.
#4 Trademark, or Patents: If you have some amazing idea for a program, or web design interface, or anything, you can patent it and/or sell it. Ashley Qualls, of WhateverLife.com, is a self-made millionaire at the age of 17. She had this idea for Myspace designs, for people to put on their pages, and started a small website, to show her friends her ideas. Some other people stumbled onto it, and although she didn't spend anything on advertising, it traveled by word of mouth, and it was even mentioned on by a radio station. A small idea, for myspace designs, and now she's a millionaire. Do you have an idea that nobody else does yet? Sell it!
#5 Program support, for both software and websites : There are a lot of people that set up websites for people who don't know how to do so for themselves. The thing is, most of them don't advertise their services, or they do it in the wrong places. Even if you aren't the best out there, advertising and marketing will make you the most wanted for your skill and expertise. The people that don't advertise are leaving money on the table, by working for only word-of-mouth customers. (another article on marketing and advertising vs. word of mouth is coming soon)
#6 Virtual Assistance : As described by Entrepreneur.com "As a virtual assistant, you take on the nitty-gritty work for independent professionals and small businesses that don't need a full-time secretary or office manager. Your tasks may include secretarial work, meeting and travel planning, project managing, and logistics coordinating." I couldn't have described it better myself.
#7 Reviewing products : If you Google for "paid reviews" or "paid surveys," it will return hundreds of hits. Basically, you do a survey, or review a product, and then if that company uses your review for something, they will pay you for it. Some programs pay more than others, but their rules are more strict. It's just a matter of deciding what your capable of doing. If you have very good technical english and grammer, you will probably get ahead in this area.
#8 Blogging : This can be a very successful business, just ask John Chow. His personal blog, for random thoughts and notes, turned into a big (in the starting blogger's eyes) business. However, one thing to remember is, there are thousands if not millions of people out there trying to make money by blogging. You will really have to stand out, by making enough interesting content to actually make people want to come back and hear what you have to say. This one, out of all these tips, is probably one of the hardest for most people, because they just want instant pay-out. With blogging, you have to stick with it, and keep writing interesting content almost everyday for a while if you want to get noticed. The other ways, you can work when you feel like it, and then you get paid for the work you've done.
#9 Creating Website : I bet you didn't know that there are hundreds of people and companies that want a business presence on the internet. The thing is, they don't know how to find one, much less set it up or put their products on it. Do you hear an opportunity banging on your head, screaming at you to pay attention to it? Websites really aren't as hard to adapt and use as people think they are. One program that drastically simplifies web-page building, is Nvu. I highly recommend it for all beginning web-developers.
#10 Online Retail : eBay is the most used search engine on the internet, and there are over 49 million registered users. There are 103.6 million listings online at any given time, and around 1.3 million sellers use eBay to make their primary or secondary income. Think about that. It obviously means that enough people buy to make it worth the effort.
Book Summary: How To Work With Just About Anyone
This article is based on the following book:
How to Work with Just About Anyone
"A Three-step Solution For Getting Difficult People To Change"
By Lucy GillPublished by Fireside/ Simon and Schuster 1999
ISBN 0-684-85527-5
206 pages
"I just can't seem to get along with this person!"
Every office has that one difficult person to work with, who affects productivity due to a terrible attitude, chronic
tardiness, or simply drives everyone else up the wall. Here is the answer to common proble
s in conflict management.
Dealing with negative behavior, whether at work or at home, can be solved with three steps:
1. Get to the heart of the matter.
2. Determine what problem-solving methods to avoid so you don't perpetuate the conflict.
3. Choose a different, surprising approach to solve the problem and keep it solved.
Finally, here is your key to some peace and sanity in the workplace, drawn from forty years of research and
professional experience in consulting on the prevention and management of nonproductive behavior.
How difficult behavior is reinforced:
People use the same solution that never brings new results. The answer is to try something radically different. Employ a
totally new approach and choose your response carefully.
Why we fail to change negative behavior:
1. We are caught in the web of our own logic.
2. We don't realize we are doing the same things over and over.
3. We can't think of anything better to try.
This three-question formula can lead you to a new strategy:
1. What is the primary problem? Be specific. How exactly does it affect productivity?
2. What have you been doing about your problem so far? Identify the logic of your favorite solution.
3. What do you need to do instead? You need to undo what your ineffective solution did. Attack with a brand new set
of weapons.
Focus on the facts. Figure out what the heart of the matter is:
1. List all the issues affecting you.
2. Decide which issue or who in particular is bothering you the most.
3. Encircle the issue or person's name on your list.
4. Focus on what you circled. List all the things that bother you about this person.
5. Now pick the problem to work on. If you could only fix one item on the list, and had to live with all the others, what
would you choose?
6. Then with the particular problem chosen, spell out specifically: Who is doing what that presents a problem, to whom,
and how is this behavior a problem?
The 4 ways to get bogged down in "whys" and therefore confused by superfluous issues:
1. Focusing on possible reasons for someone's behavior
2. Speculating about what the person is up to
3. Labeling behavior instead of describing it
4. Worrying about who is right or wrong
Use reverse psychology!
1. Do something unexpected. Sometimes shock tactics or being brutally honest works.
2. Encourage the person to keep doing what it is that is irritating behavior. It is strange but encouraging people to
continue their irritating behavior gets them to stop it.
3. Have fun experimenting with your new approaches!
4. Tell someone not to change what he is doing.
5. Create consequences or let the natural consequences of his negative behavior occur.
6. Urge someone to do the annoying actions even more
New Conflict Management Techniques
1. Do not offer a long list of reasons why someone should change. Simply tell them what needs to be done. The more
you rationalize or argue the more they will resist. You will be wasting time and energy.
2. In the face of constant criticism, silently take note of what is being said, then read the notes back – instead of
actively defending each point.
3. Make statements ("Unless it creates a problem for you, I'm going to do X")
4. Give a specific compliment to the other party in a conflict. ("I like the way you presented your report – your lineup of
facts made it easy to follow") It catches them off-guard and makes him/her less defensive.
5. Excuse yourself for a minute in the midst of a heated discussion to go to the toilet instead of escalating the argument.
6. Hold back for thirty minutes instead of rushing to fix a problem for someone else.
Other "happy workplace" tips:
1. Keep an open mind about why the person behaves in such a manner.
2. See both sides of the situation, not just yours.
3. Be very specific when analyzing the problem. Make a mental videotape of the behavior.
4. Notice when it isn't happening. Understand why. You may have overlooked something you did that didn't result in the
other person's annoying behavior.
5. Find someone with immunity and see how he or she successfully handles the troublesome behavior that you're
struggling with.
By: Regine P. Azurin and Yvette Pantilla
http://www.bizsum.com/freearticle2.htm
"A Lot Of Great Books....Too Little Time To Read"
Free Book Summaries Of Latest Bestsellers
for Busy Executives and Entrepreneurs
Mailto:freearticle@bizsum.com
BusinessSummaries is a BusinessSummaries.com service.
(c) Copyright 2001-2002, BusinessSummaries.com - Wisdom In A Nutshell
About the Author Regine is the President of BusinessSummarie, a web site that provide business book summaries for busy executives and entrepreneurs
Crm And Small Businesses
CRM (Customer Relationships Management) appears to meandifferent things to different people. I haven't seen twodefinitions that really agree. The giant companies have manygoals when they speak of CRM. One that annoys me, that continuesto crop up, is the notion of immediate software response tocustomer requests. Sounds great. But when you read the fineprint, it also means less one-to-one company to customerinteraction. This is not a direction in which a small businesswants to move.
In the end, what these million do
lar CRM systems do or donot do, matters little to small businesses. The price tag istoo high for most.
Is "Personalization" The Useful Part?
The better approach may be to look at some aspects of CRM tosee what can be done with software on our website to provide ourvisitors and customers with a more pleasant and enjoyableexperience. It may help to exit the CRM derby, stroll down arelated path, and think of only part of it: personalization.
Neat things flow forth from this orientation. For example,maybe invite visitors to check on things new since their lastvisit. Or on specials for the day, specifically tailored to this visitor in some way. Or when a customer clicks a form to reorder, fill the entry fields with data provided earlier. A great time saver for the customer, something they willappreciate. Simple, effective things such as these can beabstracted from CRM models at modest cost.
Large Scale Models
Large firms with bucks to burn can make personalizationcentral to a new kind of website. At a minimum, each page canaddress the visitor by name. At the extreme, the entire site can be presented according to previous information collected about this visitor. For example, if the visitor has kids, and a appropriate new product is available, it can be offered. And not offered to another visitor without children.
Building a website on the fly is a bit heavy for a smallbusiness. The coding challenge alone is heavy. The price tagfor software is high.
Still, a small business can implement simple ideas assuggested above. And more will spring from these.
For Starters
As a fellow into site performance and promotion, I'm alwaysleery of anything that may annoy a visitor. Hits are so hard toget, there's just no point in inviting anybody to leave. So I'mvery concerned about any technology that risks turning visitorsaway.
I used a Pentium II PC for almost two years. Beginning abouta year back, some sites would not allow me to visit because Ididn't have the latest and greatest. Maybe the giants can getaway with this, but a small business can not afford to lose evenone visitor.
In most cases, the reason I could not visit was that mybrowsers could not handle the trick JavaScript in place. I've a new system now, just 4 months old. A couple of days back I ran into a site that told me my software is out of date.
I have the latest versions of Internet Explorer and Netscaperunning. That is, the latest what work. (I couldn't get IE 5.5to stop locking up my new system. And I don't know of anyone whohas Netscape 6.1 running yet; I couldn't make it work.)
To exclude any visitor because of the way a site is puttogether or the technology used, makes no sense to me at all. A small business can not afford this risk.
Let's Keep It Super Simple
Your site must seek to embrace all visitors, regardless oftheir software or hardware. So what is needed to make suchsystems work is a very simple recognition procedure. It might go like this.
When a visitor arrives, put up a page in straight HTML,without any bells and whistles that would break even olderbrowsers. (My wife still uses Win 3.1 on a 486, and won't eventalk of upgrading.)
Once the page is loaded, try running a brief JavaScript tocheck for a cookie. If the script fails, fall back and displayonly HTML pages. If the script runs, but does not find a cookie,ask the visitor if they would like a personalized visit about thesite. If no, forget it. If yes, get the information, save it,and use it. And finally, given a read of a cookie, personalizeas possible.
Will Bontrager
With the database in place, JavaScript can handle a vastarray of personalization functions. If you don't want to getinto writing this kind of code, libraries and code generatorswill provide you with workable code that can be cut and pastedinto your pages. And, of course, there are people like Will, who will produce precisely what you need.
It's Past Time To Be Thinking
I ignored early announcements of CRM because there did notseem to be much of value to a small business. Which is the areain which I and my clients work.
I see now, though, that there are some things that can bedone in a simple, straightforward way. So long as we do notreject any visitor for lack of the latest tools, we can make the visit to our site more personal and more enjoyable for many.
About the Author
Bob McElwain
Want to build a winning site? Improve one you already
have? Fix one that's busted? Get ANSWERS. Subscribe
to "STAT News" now! mailto:join-stat@lyris.dundee.net
Web marketing and consulting since 1993
Site:
Phone: 209-742-6349
Online Auction: You Can Earn More Money
Selling through online auctions is a great way to earn extra cash or even start a full-time business. When you find your one stop online auction shop that's just right, it can become a very lucrative business. There are many auction websites, but you'll want to find a site that best fits your selling needs. Here are some tips.
Be an Auction Lurker
Before listing your items, observe the auctions for a while. See what's hot and what's not. Every auction site will have its own unique audience. Some will attract mor
of certain types of buyers than other auction sites. For more details www.auction-words.com The auction company might advertise more to certain groups of people using banners or paid search
engine listings. If you're selling wholesale products
, then you will naturally want to list with an auction shop that attracts wholesale buyers who are looking for great bargains. If selling household items, you'll want an audience of people who buy household auction items.
Also, observe how the site operates on a day-to-day basis. Do the auctions seem to end with more bids on certain days of the week or a certain time of the day? For instance, auctions that end on late Saturday night get more bids than those ending on a Tuesday night. Lurking at different auction sites will help you find a one-stop online auction shop that's right for you.
Test Your Auction Items
When searching for your one stop online auction shop, try several test auctions with some of your items. Monitor the response as well as the amount of traffic the listings receive during the auction's running time. Many auction sites allow you to place a visitor counter on your auction pages so you can know how many people view your auction. If you sell many types of products, advertise several items from a few categories.
Minimize Auction Expenses
There are many online auction shops that offer free or low-cost listing capabilities. Some auction sites only take a percentage of each sale while others may charge a fee for each listing whether you sell or not. Those auction sites that offer free listings and/or only take a percentage of each sale are very beneficial to you as a seller. You only pay when you sell items instead of paying high fees just to advertise your products, so you are taking no risk when listing your items. For more details www.auction-professional.com Though these auction sites may have smaller amounts of traffic than the larger bidding sites, you might find the savings will make it worth your while. After all, auctions are supposed to be "bargain" sites, right?
Some auctions charge a fee AND take a percentage of each sale. These may have more traffic, but the charges add up in a hurry and every listing can become a financial risk when you're just starting out.
With so many options, you can easily find a one-stop online auction shop that fits your budget and listing needs. Use these tips to find that perfect online auction shop and sell those unwanted items today!
About the Author:www.auction-entrepreneur-kit.com www.mining-auction-gold.com