12 Habits You Need to Become a Millionaire

Which of these twelve important habits do you have?
The key millionaire habit you should start today…
It might not sound sexy, but you’ll need to do THIS if you want to advance…

I’ve dedicated my life to understanding everything, the ins and outs of what it takes to actually become a millionaire and one of the most important lessons in your journey is that actions speak louder than words…

With that in mind, here’s a question: what habits and daily actions are ingrained in your everyday life?

And a follow-up: are they helping to move you forward or are they holding you back?

While there’s no exact science to determine how to be a millionaire, I have more millionaire students than anyone, and great financial successes like my students have accomplished is not random, but rather the result of hard work on my part and on the part of my students.

What I’ve found is that there are certain habits that many financially successful people have in common.

Read through this list and ask yourself: how many of these habits do I have? If these aren’t habits yet, how could you incorporate them into your life?

1: Be an Early Riser

You’ve heard the saying that time is money.

You’ve also heard the saying that the early bird gets the worm.

Mash these adages together and you can distill both down to the idea that the earlier you wake up, the more money-making time you can maximize.

There are countless benefits to waking up early.

Me, I like to wake up early so that I can answer emails, consider what will go on during the day and do reading and research for the day ahead.

Basically, I use this time to deal with things that might get in my way throughout the course of the day, so that by the time the market opens, I’m mentally prepared.

2: Know Where Your Money is Going

Do you track your expenses and know where your money is going?

If you do, then keep it up: it’s a key millionaire habit. If you don’t, cultivate this habit immediately.

If you want to get rich, you’ve got to learn how to handle your money now–not later.

Learning financial responsibility will mean that you’ll be able to enjoy the money when you make it, rather than just falling into irresponsible habits with increasingly larger sums.

3: Have Good Time Management

People love to talk about how little time they have.

They don’t have time to go to the gym.

They don’t have time to attend networking functions.

They don’t have time to study and learn how the stock market works.

They don’t have time to succeed!

These are limits that people put on themselves.

Watch a little less TV and take your focus away from Facebook for a while.

You’ll be amazed at how the time will open up for you to advance in business.

4: Save Responsibly

Longtime millionaires aren’t out there blowing every penny that they make.

They know that to continue advancing in their career, they need to save money.

Saving money might not sound sexy -- in fact, it might sound downright boring. But, the benefits that can come your way from saving are anything but boring.

Saving money means that you can improve your position in the market.

It also means that you can invest in a greater variety of stocks.

Over time, if you’re being responsible, this means that you will start making more and more money as you go. The bar will be raised, so to speak.

Additionally, on a practical level, saving also ensures that if you do have a business deal that doesn’t go as planned, you have a safety net.

5: Know What’s Going on in the World

It’s alarmingly easy to live a fishbowl existence.

Resist that temptation.

Make concerted efforts to know what is going on in the world.

The best way to do this? Be a voracious reader.

Read magazines, the paper, anything that you can get your hands on.

Know what is going on in your backyard and in the world at large. Not only can the news help inform your investments and keep you inspired, but it also keeps you current.

You will be better able to interact and network with others when you have an idea of what is going on in the world.

6: Keep Up on Your Education

A common habit among millionaires? Lifelong learning.

Just because someone has made a bunch of money doesn’t mean that they don’t have a thing or two (or ten) to learn.

To all my students, I keep on learning and growing right along with you.

Maintaining and increasing your level of knowledge is a millionaire habit that will serve you in business and in your personal life.


7: Revisit Your Goals Frequently

It’s extremely important to make goals.

But, simply making them isn’t enough.

To transform your goal-making into millionaire material, you need to revisit these goals frequently.

How frequently is up to you, but let me give you an example.

Say that you set an initial goal of making $50,000, so that you could pay off your student loan debt and that you reached that goal four months into your trading career.

Awesome!

But, at the same time, it’s time to adjust your goals, making them bigger and better, so that you still have something to work toward.

Goals are part of what keep us going and keep motivating us.

Revisit yours often, so that they remain a manageable “carrot” dangling in front of you.

8: Believe in Your Success

Don’t dream it; be it.

If you don’t believe that you are worthy and deserving of success, then any that comes your way will be pure luck.

By shifting your mindset to a place where you believe success is not only possible, but within your reach, you will be taking a huge step toward it.

This transforms success from a faraway dream to an attainable goal and allows you to set specific milestones to get where you want to go.

9: Connect with Others

Technically, you could become a millionaire alone.

But, quite frankly, it’s going to be a longer — and lengthier — journey without a little help from some friends.

First and foremost, seek out a great mentor.

Your mentor, who is further along in their career than you, can help guide you and help you through growing pains. It’s difficult to overstate the importance of a mentor!

Networking with peers is also invaluable.

Not only does it give you a sounding board with people who can totally understand, but it also creates relationships with people who can help raise you up (and vice versa).

Connecting with others, whether they are at your level, above your level or even below it (for now), has a huge impact on your career trajectory.

10: Evaluate What is Going Well (and What’s Not)

Millionaires aren’t characterized by being self-destructive.

They’re not running around in circles, agonizing about what they could have done differently.

However, they are imbued with a healthy amount of self reflection.

Millionaires are able to constructively look at the past and see how it can inform the future.

Things not going well with some investments?

Look at why and how you could change that going forward.

At the same time, if certain things are going well, they have the ability to look at that and try to take it push it even further forward.

11: Test Your Limits Constantly

A millionaire isn’t one to rest on his or her laurels. Never content to let the last accomplishment define them, millionaires are (in a good way) addicted to the game.

They constantly want to challenge their limits, so that they can go further and do more good.

What is your relationship with risk and trying new things?

If it is not so good, then it might be time to work on that.

Becoming more comfortable with risk and testing your limits is vital if you want to attain true financial success.

12: Give Back to Others

Maybe, right now, you’re coming from a place of scarcity.

If so, the idea of giving back might seem ludicrous.

But, trust me, the more you make, the more you should give.

Just like millionaires save quite a bit of what they make, they also give plenty. This is a habit that you can get into now.

Even if you don’t have money (yet), there are ways in which you can give back.

You can act as a mentor to someone less fortunate than you.

You can donate your time or a service as a volunteer.

Giving back actually makes the world (and your trading base) steadier and healthier.

Giving back is not just what is right, but something that can contribute to your bottom line in the long run.


Your habits are a huge part of what defines you.

So, by choosing to cultivate habits which millionaires share, you are taking a proactive step to joining that “tribe.” Making a concerted effort to make these millionaire habits yours will have a huge effect on your success and money-making potential!

The truth about failure and making mistakes

The biggest mistake you can make in life is to make none…

Sitting on the fence

Doing nothing instead of taking the risk

Not making the decision

Everyone has something they truly want – but how many people actually go after it?

I get it…

Taking a risk can be terrifying,

It’s understandable to be scared of failure.

To not want to make a mistake…

But here’s the thing:

Everyone fails, everyone makes mistakes and things won’t go to plan 100% of the time.

Let me be clear: that doesn’t mean you shouldn’t do anything.

It doesn’t give you an excuse to hold back and not give it your all.

Don’t play it safe.

Have the courage to do it anyway.

Making a mistake isn’t fun. Failure can be painful.

But the only thing that matters is what you do after.

Make the mistake, then learn from it.

Don’t use it as an excuse for not trying, or letting yourself become so afraid of failing that you never stretch out of your comfort zone.

Instead, go for it.

When you do fail - own it, do something about it and most importantly learn from it.

Trust me: Some of your biggest mistakes will become your greatest lessons.

How to Earn a Secure Residual Income From Home

OK, so you're here now,

And you're probably thinking about many things at this moment, but the one thing that's really pressing at the top of your to-do list is securing a way to generate secure income.

If I'm wrong in any way just let me know (wink)... But you're still reading my article - you have a "need" that you want my help with, true?

So let me explain something before we even get onto the part about you "earning" money...

For those of you who know hardship and struggle in life, I understand where you are at present - been there myself.

If you know what it's like to wake each day doing the same-old tired job, for the same old ungrateful boss/manager/director, you now have an opportunity to divorce your old working lifestyle for something more suited to your liking.

But don't be fooled!

I am not offering you another job, I'm not offering you a vacation, I'm not offering you an opportunity to become lazy and to throw your creativity aside - - -

Big, huge NOPE. We don't do that rubbish here ;) What I'm offering you is a proper opportunity to be in control of how you work, earning a residual income, even as you sleep...

How so? I hear you wondering.

The rich, powerful, and influential people of this world (those who had to work for their wealth) know about residual, or passive income.

If you've never heard of this until now, just know that if you truly desire real, continuous wealth then you need to be in there, earning that passive income.

The best way to understand this kind of income is to know how it differs from a wage that is paid to you for work that you do continually...

Building a residual/passive income is about doing work once and getting paid repeatedly for it each day, week, or month.

Yep. That's it - continuous money, if you have the knack of it.

So, you're now in the know about earning a residual income. Wealthy people know that it is not about working for the man if you truly wish to become rich.

You need to take matters into your own hands for this to happen. And here you're given all that you need to start this life-changing step with no cost to join and get started - imagine that!

No successful person ever allowed a lack of resources to hold them back from getting theirs. Clearly not - instead they fought for their right to be at the top, where they're at now...

Same place you probably want to be right now.

And then you might be one of those people who tend to watch the wealth of others, secretly wishing that it was your own wealth... I call this "watching and wishing." It gets you nowhere fast - nowhere ever, actually.

If you are the lazy kind who wants it all now, and never commits to the challenges that any business brings, then you may as well stop reading...

This opportunity to work on your OWN terms is ONLY for the individual who is earnest, wanting to "earn" their worth.

And so, I'd like to speak with you about stepping outside of your comfort zone...

This is wholly important for those of you who need to earn a living but usually fall short due to procrastination habits that have probably been bleeding you dry for a while now?

Having a "comfort zone" is all fine and well, providing that you know how to disengage from that place of comfort whenever needed.

Can you do that?

If you mean business and are serious about earning a solid residual home income, you'll know that falling shy to work is a sure way to forfeit your opportunity to create the lifestyle you need, and want.

There are vast opportunities just waiting for the hungry individual to step up and get busy.

This is the kind of business that gets you motivated to get up in the mornings, instead of wanting to stay in bed all lazy-like, producing nothing.

Have a good think about what it is that you need and want for yourself and your family (if you're providing for a family), once you've determined this then ask yourself WHY.

Becoming wealthy is about knowing the reason for your desires, making them count. Got a dream? Best you understand the nature and the root of that dream.

Want lots of money? Why? What's the reason behind the reason?

Visit my YouTube channel: http://www.youtube.com/c/beyourbestselftoday247

Email me: aaw1089@gmail.com

I'll respond within 24 hours.

Article Source: http://EzineArticles.com/expert/Anthony_Williams/2411082
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Work-At-Home Hacks For People Just Like Me

There are rules of thumb but there are no hard and fast rules. The 'things people do every day to become successful' in what they do has so many variables.

Some swear by morning coffees, others a 20-minute nap. Give or take, that's almost always the story. Like I said, variables.

Routine, or better yet, discipline is what makes people successful. I will never claim to be a 'successful person' but what I HAVE been doing is working from home for the past 18 years. I hope you can share YOUR story about how you soften the rough edges off of your everyday work week too because it helps. Every little bit of advice helps, actually, because most successful people listen.

1. No Emails - Most people start their days off by rolling off their beds with everyone screaming at them. Your alarm is screaming. Your boss is screaming, your kids are screaming, your email is screaming. So, one of the things that I DON'T do early in the morning is to check my emails. People who know me know not to expect an instant reply from me early in the morning. That's when I am trying to sort my shit together so that I can get stuff done for you throughout the day. So, no emails in the morning. Only coffee is allowed.

2. Stay Dressed - This one is for those who work from home. One of the things that I've noticed in nearly 2 decades is that I dress for work (even if I will be in my home office or living room) the whole time I am going to be working. I don't know about you but the moment I slip on my cutesy 'lil comfy clothes, my zest for life and roaring enthusiasm to get things done slithers off from me like a layer of dead skin cell.

3. Meditate -Oprah's said it. So did Deepak Chopra and Cameron Diaz. It's not the woo-woo-woo stuff, trust me. It's more like sitting there in complete silence or with soft music gently caressing my ear, or just sweeping the floor (the movement is meditatively repetitive, try it!). Instead of thinking of it as a 'new age fad', think of it as Loading Your Gun Ready to Kick Down the Doors of the World. Badass when reworded, huh? I use an app to 'help me along' - Insight Timer. It has music, guided meditation, and... well... complete silence.

4. Don't multitask - It's something I was really proud of and multitasking was the only way for me to move the needle forward when the list of things-to-do was just way too long. I don't do it anymore. Instead, I think doing things in spurts is far more productive. One example would be that if I found vacuuming the floor THE daunting task of the day, I would mindfully vacuum the living room and leave the rooms and kitchen for tomorrow.

Silly example, I know, but when applied to work, it's pretty amazing when you give the tasks at hand short bursts of active, productive attention. When I am tired, I will come back with a whole lot more to contribute AFTER I've dealt with my brain fog instead of muscling through it. I mean, who am I to argue with the chemicals in my brain?

5. Coffee - I am just going to leave this right here. Explaining it any further is going to make me angry if you don't understand it. It's my survival poison.

6. Laugh a Little - A sense of humor provides a buffer against the build-up of stress and anxiety in your system. So, occasionally, load up your Tumblr or Twitter (where you are encouraged to follow people like 9gag - just a personal preference, of course) and just laugh a little.

Experts say that humor provides a powerful buffer against stress and fear. "Humor is about playing with ideas and concepts," said Martin, who teaches at the University of Western Ontario. "So whenever we see something as funny; we're looking at it from a different perspective. When people are trapped in a stressful situation and feeling overwhelmed, they're stuck in one way of thinking: This is terrible. I've got to get out of here. But if you can take a humorous perspective, then by definition you're looking at it differently - you're breaking out of that rigid mind-set."

7. Being understanding - I know this doesn't fit into the normal mold of 'things people do to be successful' but I think it's pretty important. Because most of us work with others, whether in the office or remotely, we often assume that people are being evil of mean when they're being a little less than nice to us. Sometimes, it's because they're tired just like you, exhausted just like you, overwhelmed just like you, have to pay bills just like you, are worried about their kids/parents just like you, or simply had an argument with a friend/spouse just like you.

I think this point is particularly important in the digital world. With the digital divide, we sometimes forget that we're dealing with human beings. Just like you.

Marsha Maung is a mother, writer, social media consultant, internet marketer and human. Her mission, as far as her work is concerned, is to bring brands, products, services and companies exposure. Find out more about her life from her personal blog (cooking, life, sense, parenting, writing, etc) or her professional WordPress blog MarshaMaung.Me. Hope to see you and connect there.

Article Source: http://EzineArticles.com/expert/Marsha_Maung/2900
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Does Affiliate Marketing Still Work?

Affiliate marketers earn money by selling products created by other companies in exchange for a commission. But things online have become much more competitive than when affiliate marketing first started out nearly 20 years ago. Affiliate marketing is still a good way to make money online, but the rules have changed in recent years.

Today's successful online entrepreneurs have figured out how to make affiliate marketing work more effectively so their efforts bring the results they want. How do they do it?

Make Affiliate Marketing Work For You

The best way to make affiliate marketing work effectively is to increase the exposure of your affiliate links. These are the links that take your prospects to a sales page or website and which track sales back to you.

Your Own Website

One of the most important elements of affiliate marketing today is to have your own website or blog. This is where you produce content relevant to the products you want to sell. You can write general articles and provide links to suggested products at the end of the content. The most important things to remember are that everything you write should be the factual and the truth. This helps position you as an expert worth paying attention to.

Building an Email Marketing List

It can be challenging to build an email marketing list these days because people have such jammed inboxes. That being said, knowing your niche and your target audience are two of the best ways to come up with an incentive they will be keen to get and so will be happy to give you their contact information.

Two good incentives would be an eBook or eCourse on a hot topic related to your niche. Think of the kinds of problems people have in your niche and create an information product which offers real solutions.

Be Careful About What You Sell

Don't promote anything you would not use yourself or are not impressed by. You don't want to get the reputation of being an affiliate who will pretty much sell any old rubbish just to get a commission. Rather, you want to show you're in the know, with great deals on products that really work.

Keywords In Your Content

Keywords related to your niche will help drive free traffic via the search engines. Your keywords should be related to your topic or niche. They should be words that an ordinary person interested in your niche would search for. Keyword all media files such as images and videos as well.



Companies are happy to pay commissions to people just like you, in return for selling their products and services. You have the potential to make a great income when you choose the right niche, stay committed, and understand your audience. For a no-nonsense, kick-start guide to getting started, download my free checklist, Affiliate Marketing For Beginners at https://jonallo.com/affiliatechecklist

Article Source: http://EzineArticles.com/expert/Jon_Allo/1079948
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Transitioning From Employee to Solopreneur

Is your number one Bucket List goal to establish your own entity and become a business owner or Solopreneur consultant? Are you planning to abandon the "safety" of a traditional job to directly market and sell your products or services to customers with the money and motive to do business with you?

Going out on one's own is a thrilling and sometimes frightening prospect. Those who take the plunge eventually discover that many resources that are casually taken for granted while working in an office are not readily available to those who step out on their own. As you weigh your options and prepare to write your business plan, be aware of a few changes and additional expenses to expect should you join the self-employed sector:

No paid days off

There will be no more paid sick days, holidays, vacation days, or personal days when you become the captain of your own enterprise. Neither will there be any pay for days off that result from bad weather. When winter arrives and snow begins to fall, there will be days when harsh weather conditions impact your business and your income. When the governor of your state declares a snow emergency, important meetings will be postponed and businesses may be unable to open and operate.

In particular for those who own a B2B or B2C venture where the business model requires you or your employees to visit the customer's location (e.g., cleaning services), or customers to visit your location (e.g., a laundromat), snow days = no revenue days. Small businesses have been known to go out of business within a year following periods of extreme weather.

Establish business credit

For tax purposes, it will be useful to open a separate business bank account and also apply for a business credit card or two. There will be business expenses to write off and you'll want to make it easy to monitor spending. Do yourself a favor and check your personal credit ASAP and pay off outstanding credit card balances to improve your credit score and correct any errors.

Financial management

Financial management will assume more than one form. As noted above, you'll need to establish credit for the business, so that you can order inventory and supplies without immediately impacting the business cash flow, for example. Those are Accounts Payable items. You will also need to ensure that customers pay you on time, or at all, and that is an Accounts Receivable function.

Maintaining sufficient cash flow is crucial to the business' survival and your own ability to keep a roof over your head, food on the table and your car on the road. You must develop a business budget and plan for the purchase of equipment, licensing costs (if applicable), insurance (if applicable), professional certifications (if applicable), or space rental (if needed).

In addition, you may consult with a business attorney or accountant to discuss the legal structure of your venture: Sole Proprietor, Corporation (chapter S or C), or Limited Liability Company (LLC). The type of business that you're in and your exit strategy will play a role in choosing the business legal entity.

Paying for office supplies

Free scanning and photocopying will be over. When you need to staple a few pieces of paper together, you must buy the stapler and the staples and you'll buy paper clips and envelopes, too.

There will likewise be no meeting space or audiovisual equipment for you to reserve. You'll have to meet at the client's office, or at a coffee shop or other restaurant. Privacy might be an issue and arranging a Power Point or other visual presentation might be awkward as well.

A lap top computer or tablet will be office equipment must-haves. It will be imperative to possess the tools of your trade and to always appear as a competent and prepared professional as you develop your reputation and build your brand. Good luck!

Thanks for reading,
Kim

Kim L. Clark is an external strategy and marketing consultant who brings agile skills to the for-profit and not-for-profit organization leaders with whom she works. Please visit http://polishedprofessionalsboston.com to learn how your organization can achieve mission-critical goals when you work with Kim.

Article Source: http://EzineArticles.com/expert/Kim_L._Clark/647250
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Multiple Revenue Streams Keep A Solopreneur Solvent

To build a successful career as a Solopreneur consultant requires courage, resilience, possession of marketable skills and relationships with people who are willing and able to refer or endorse you for paid project assignments. Solopreneur consultants must have a talent for selling, the discipline to create and pursue business goals, a knack for big picture thinking and implementing strategies and an understanding of human nature and motivation. The ability to attract good luck and dodge bad luck helps, too.

Precious few Solopreneurs are able to just "go to the office" everyday and delve into the usual work. In order to generate the preferred amount of business revenue, we understand that creating multiple revenue streams may be necessary and to make that possible, we must recognize the marketability of our skill sets, in aggregate and in segments. As well, we must learn to package, promote and sell our skills and value to prospective clients.

Consider my revenue streams, for example. When asked, in my short form elevator pitch I say that I'm a self-employed external consultant who provides business strategy and marketing solutions to mid-size for-profit and not-for-profit organizations. What that means in reality is that I've facilitated strategic planning meetings at not-for-profit organizations; edited a 100 page nonfiction book and also served as its photo editor and project manager; developed curriculum for a series of 90 minute sales skills training workshops; and periodically I teach business plan writing.

I've been fortunate enough to regularly win business strategy development or marketing campaign assignments, but the fact is that there are often gaps and in response, I've learned to branch out and offer segments of my skill set to clients or employers as a way to maintain my required cash-flow and, whenever possible, also enhance my brand. In my experience, it's the ability to leverage one's perhaps infrequently promoted competencies that help Solopreneurs to create and sustain a profitable business venture.

My friend Adela is a busy educational consultant who works with college bound high school juniors and their parents to identify suitable colleges for the student and navigate the application process. Adela's business appears to be thriving, yet she nevertheless teaches Spanish at a local university (she was born and raised in Mexico and came to the U.S. to attend Notre Dame University).

Jackie, a friend of many years, is the founder and manager of a small, full-service fitness center that became very successful in that highly competitive market, yet she teaches a fitness class at another gym a few miles away. Why? Because she gets to observe another style of fitness center management from the inside, she receives training in new fitness techniques that she can evaluate for inclusion in her own gym and she earns a few extra dollars each week, something that a mother of four can always use. Sometimes you can get paid to research the competition!

My friend Carole toggles between freelance marketing gigs at technology companies and corporate positions in that sector. She's a Lotus alumna who's also worked for tech giant EMC, distinctions that command respect and open doors in the tech industry. In between corporate gigs, Carole goes out on her own to develop marketing strategies for tech start-ups. A couple of years ago, she was offered a position as director of marketing at one of those start-ups, but when the inevitable reorganization occurs, she'll re-enter Solopreneur life.

So, Solopreneur friend, I invite you to put on your thinking cap and brainstorm how you can create additional revenue streams by exploring how certain segments of your skill set can be packaged and promoted to current and prospective clients!

Thanks for reading,
Kim

Kim L. Clark is an external strategy and marketing consultant who brings agile skills to the for-profit and not-for-profit organization leaders with whom she works. You can ensure that mission-critical goals at your organization will be achieved when you contact Kim at http://polishedprofessionalsboston.com.

Article Source: http://EzineArticles.com/expert/Kim_L._Clark/647250
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10 common investment mistakes that can ruin your retirement

 It is well known that as things stand, the majority of South Africans will not have enough money to sustain their current standard of living in retirement.

Recent increases to value-added tax and the fuel levy, among other things, have worsened the outlook for many.

Retirement savers would do well to avoid fairly common investment mistakes, according to chief executive officer at 10X Investments, Steven Nathan.

Here are the 10 mistakes retirement savers frequently make, and how to avoid them:

Mistake #1: Saving too little

The number one reason most people miss their retirement goal is because they don’t save enough.

“No rocket science here,” says Nathan. “You can’t save like a pauper and then expect to live like a prince in retirement.”

The basics of  a successful model for retirement is that people should save 15% of their gross salary throughout their working life (an average of 40 years) and invest in a balanced high equity fund that charges low fees.

Mistake #2: Paying high fees

Fees matter a lot more than most people imagine, says Nathan. In the context of a 6.5% real return (that is after inflation), every 1% paid in fees reduces the return by more than 15%.

If investors are paying 3% in fees the return will be reduced by 45%, which means that more than half of the real annual return is lost to fees.

When the effect of compounding, where you earn a return on your return, is included the negative impact can be devastating.

Nathan urges investors to understand the fees they are paying, and to look for a low-cost provider that charges no more than 1% in total annual fees.

Mistake #3: The wrong asset mix

Choosing an asset mix that mirrors personal risk tolerance, such as conservative or risk averse, but is not appropriate for the investment time horizon can dramatically damage a retirement outcome.

"It is critical to grow your savings at a high rate for the majority of your savings period, which is why you should be invested in a high equity fund," said Nathan.

"A lower growth portfolio would be insufficient in the context of a 40-year savings plan, based on a 15% savings rate."

A life-stage solution, where one can automatically be switched to the appropriate portfolio as the time horizon changes, is a simple and effective solution.

Mistake #4: Investing in an underperforming fund

Nathan said that, when it comes to retirement investing, it is more important to eliminate the downside risk and reach the minimum savings goal than to entertain upside risk in the hope of overshooting the savings goal.

"No one should be gambling with something as important as their retirement savings," says Nathan.

Mistake #5: Emotional switching

Chopping and changing funds or asset classes, especially during periods of market turbulence, often leads to buying high and selling low.

Investors should rather stick to their plan and avoid the temptation to switch or try to time the market.

Mistake #6: Inadequate diversification

If you are over-invested in one asset class or security, you assume concentration risk, the risk that one investment will have a disproportionate impact on your savings outcome. As a retirement investor, you cannot afford the downside risk as it may ruin your pension.

Nathan says: “Remember, it’s about reaching your goal with the lowest possible risk; it is not about speculating your way to a dream existence.”

Savers should invest in various asset classes (equities, bonds, property and cash), each providing exposure to many different underlying securities, held across different currencies (local and international) and regions (for example, developed and emerging countries).

Mistake #7: Saving outside retirement funds

Tax-free deductions and investment returns can potentially increase the value of your retirement savings by up to 30%.

And you score again because your retirement income is almost always taxed at a lower average rate than the marginal tax you saved on your contributions.

Mistake #8: Starting to save too late

Few people in their 20s worry about retirement but, ideally, we should start saving towards retirement from our first pay cheque. We should keep it up throughout our working life (around 40 years on average).

Nathan says it is important to remember that contributions are only one source of your future retirement income. The other is the net investment return you earn on your contributions.

“The sooner you start contributing to your retirement fund, the longer your money has to grow.”

Initially, Nathan adds, the returns add only a little to your total pot, but once compounding (earning a return on your return) kicks in, the growth will pick up and continue building momentum.

“The effect is much like a snowball rolling down a mountain, until the compounded investment return totally overwhelms your contributions.”

Mistake #9: Cashing in savings on changing jobs

Not preserving what has already been saved is a very common mistake in South Africa: up to 80% of fund members have at some point cashed out their savings when they changed jobs.

Not preserving is like starting late: people lose not just the accumulated savings, but the return on those savings for the remainder of the savings term.

The foregone return becomes a big number when a fund is cashed in 30 years ahead of time.

Mistake #10: Underestimating how much money is required

Using a quality retirement calculator (based on accurate inputs and assumptions) provides a good sense of where savers stand relative to their goal, and what they could do to improve their savings outcome.

“When it comes to retirement planning, various factors are beyond your control, such as the macroeconomic environment and stock market performance, which makes it even more important to understand and control the many factors that you can,” says Nathan.

Steven Nathan is the chief executive officer at 10X Investments.

Why Entrepreneurs Starting at 50+ Have a High Success Rate

It may seem like starting young is the best way to build a successful business, today more than ever. After all, when you're young you have nothing to lose and a lot of energy to spend, and since your whole life is ahead of you, you can afford to make mistakes and learn from them. But starting older isn't bad either. In fact, it turns out that for many people, starting at 50+ years is even better than starting young. Yep, you read that correctly.

A Few Illustrious Examples

Some of the world's best-known and most profitable businesses were started by entrepreneurs past 50. Raymond Kroc was 52 and driving around the US selling milkshake machines when he started McDonald's. Pharmacist and physician John Pemberton was 55 when, in an effort to create an alternative to morphine, removed the "French Wine" from his French Wine Coca recipe and founded the famous Cola company. Colonel Harland David Sanders was 65 when he opened a small service station and started working with franchises, establishing what would later become one of the world's best-known brands: KFC.

You could say "that was then, but things have changed." To some extent things have changed, in that it's now easier than ever for anyone to become an entrepreneur and start a business, which is why so many entrepreneurs are starting young. But here are some present-day facts that can inspire anyone past 50 to start a business.

Entrepreneurs over 55 are almost twice as likely to build successful businesses than entrepreneurs aged 20 to 34. This is true even for the highly competitive tech industry, where young entrepreneurs are thought to have a head start because they grew up with the Internet and 21st century technology.

The highest rate of entrepreneurial activity in the United States in the last 10 years was dominated by entrepreneurs aged 55 to 64. There are many reasons for this, including a new approach to retirement that technology and modern life makes possible, strong professional connections, and the ease with each almost anyone can start a business.

Startups that survive are more likely to be led by owners over 45 years of age, according to a 2004 to 2008 study based on 5,000 startups carried out by the Kauffman Ewing Institute. No less than 64% of the surviving startups were headed by older entrepreneurs.

People over 50 years of age have a greater potential to create innovative companies, products, and solutions. This may sound a bit surprising, but innovators do get better with age. Whether you want to create a startup in an industry you've worked in before or start afresh pursuing a passion in a new industry, the experience that comes with being 50+ can be a big advantage.

People over 55 years are more likely to launch a high-growth startup than those under 35. What's more, this doesn't seem to be localized to specific industries, but can be noticed across the board. Older entrepreneurs have the experience, skills, and insight necessary for them to guide their venture to success. They can better manage fears and expectations and have the balance and determinate to persist in spite of obstacles.

When 50 Is Just Right

Put together all these interesting findings and the message is simple: age is not only not an obstacle to becoming an entrepreneur, but being 50 or older increases your chances of meeting with success. While this insight won't make the creation of your startup any less easy, nor will it eliminate challenges, it can be a wonderful incentive for you to finally create the business you always wanted to have.

Pamela Wigglesworth CSP, is an International Speaker, entrepreneurship & marketing consultant and Managing Director of Experiential Hands-on Learning. She is the author of The 50-60 Something Start-up Entrepreneur: How to Quickly Start and Run a Successful Small Business.

Article Source: http://EzineArticles.com/expert/P_Lorraine_Wigglesworth/969794
Article Source: http://EzineArticles.com/9917423

Avoid The Next Financial Storm That Will Affect Most American People Very Soon

My greatest fear along with most Americans would be if we will outlive our money during retirement or if we will have enough money to retire on at all. As long as our government lives on separate terms than the people they govern I foresee millions of Americans suffering from financial strife later on down the road. Most Americans truly think that Social Security is going to be enough to get them through their twilight years. I personally think that Social Security will not be around from most of us and if you are depending on Social Security to support you during your twilight years, you will find out that it will not be enough. Social Security was only created to subsidize your investments, retirement plans, and/or savings. It was not created to act as a retirement plan.

Since I have had the luxury of being affiliated with the banking industry for over 30 years now I have seen thousands of saving accounts of senior citizens that had less than $10,000 in them. I spoke in Northern California back in 2004 where I mentioned that the many jobs that kids and young teenagers use to occupy would no longer exist due to senior citizens not having the money to retire. I was laughed off the stage by 6000 people. Who's laughing now!. There are no longer paperboy jobs for kids due to the senior citizens now occupying those jobs. I also stated that most of the fast food jobs along with Walgreens and CVS jobs would no longer be occupied by high school teens and they would be replaced by senior citizens, just take a look around and tell me it is not happening right in front of your eyes. People are no longer laughing. I also told people at that seminar that I foresee tens of thousands to hundreds of thousands of people homeless in the next 10 to 20 years.

You might want to take notice of thousands of people taking up residence under freeway ramps all over the nation. They are living in tents and bathing in fast food restaurants bathrooms. This is happening in the greatest nation on earth. You can keep looking the other way but very soon you will not have any other place to look. If the government does not do something very soon, all that you know will come to an abrupt end.

I wrote "The Essential Keys To Financial Freedom" book to educate the American people of their many financial options that still exist today. If the American people sit around and do nothing they will end up in financial distress in the next 10 to 20 years. You must sit down with a financial advisor as soon as possible before it is too late. For More information; visit me at: http://www.drmarkhuddleston.com

Article Source: http://EzineArticles.com/expert/Mark_Huddleston/2499373
Article Source: http://EzineArticles.com/9857341

Great Lessons About Money

Money is very important in life. Therefore, there is a need to be properly educated on the issue of finances in order to handle them in a better way. Let us briefly look at the following three lessons:

1) Money is an Idea

The ordinary pursues money in life. But the great ones pursue great ideas. Good ideas normally solve people's challenges or problems in life. Once there is a great idea that is changed into reality, it automatically brings money. Think of great Edison and the light bulb? Today the electric industry is just great. It is hard to live without it. Think of Henry Ford and the invention of the car? It is just mind-blowing. We can't finish the list. You, therefore, need to generate ideas that will benefit mankind. Once you have done that, you will have the money you require in your life. There will be mutual benefit. People will benefit from your idea that has been turned into a solution for their problems. On the other hand, you will get the money you need.

Money is an idea.

2) Money does not make you rich

There are people who have money. Some earn big money but they are not rich. What does that tell you? Money does not make you rich. But what makes you rich? It is what you do with it. It is how you use money that makes you rich. If you follow those who are rich, you find that they use their money to buy assets. Then those assets work for them to build their wealth. But others, they use the money to buy liabilities. Some have been destroyed by failure to properly handle money.

How do you use your money?

3) Deal with two Money problems

Basically, there are two kinds of money problems. Those are; lack of money i.e. too little and too much money. You, therefore, need to learn how to deal with either of these two problems. Which of the two problems do you have? How are you dealing with it?

You have now learned three lessons about money. I pray that you may put these lessons into practice. Each lesson is very important. You need to deal with challenges you have that are associated with any of them. God wants you to enjoy life. Great things in life do not just come. You need to take action. Take responsibility for your life including finances. Get yourself a Life Coach.

Visit https://lifecoachchanginglives.wordpress.com// for more information. Hire Me as Your Life Coach. I will assist you achieve the goals of your life in any area- Finances, Career, Marriage, Relationships, etc.

Article Source: http://EzineArticles.com/expert/Elphas_Sipho_Mdluli/580836
Article Source: http://EzineArticles.com/9867733

How Technology Has Altered Your Work/Life Balance

If you work 48 weeks in the year and spend a conservative 5 hours per week commuting to and from work, you are spending 240 hours per year driving. This takes time away from family, hobbies, friends, and much more. How can technology be leveraged to gain that time back?

Up until recent years, the only option for working was to physically go into an office to put in your 40-50 hours per week behind a stuffy desk surrounded by people you may or may not enjoy working with. As technology has evolved, so has the flexibility of whether you work at the office, at home, at the beach, or some other locale.

While technology does make it easier for employers to allow telecommuting, there is still a trust factor that comes into play. There are ways each employer can measure productivity differently, but some employers are simply more comfortable knowing for certain their employee is at their desk during a specified time every day. Another consideration for employers is the morale of employees that are not working from home while another is permitted that luxury. Should they have 1 happy employee and 10 disgruntled employees or 10 content employees and 1 disgruntled employee? Rather than examining the struggles for employers that are faced with this decision, lets examine the technologies that allow working from home to be a reality much more frequently than it was 20-30 years ago.

If an employer decides to allow telecommuting, there are several tools on the market that safeguard their investment.

· Worksnaps: This tool allows an employer to monitor how productive the work-at-home employee has been throughout the day. There are less detailed tools available but this one doesn't leave a lot of room for a work around by the employee. Beyond monitoring the time spent in productive programs (Facebook not being one of them) the tool takes screenshots of the worker's computer screen throughout the day to make sure the employee is productive while activity is showing on their computer. They will even count the number of mouse and keyboard clicks.

· Internet: This is rather obvious but probably the most important tool. The internet allows you to communicate with members of your team, your company, and any outside clients. Many companies have web-based products they use for housing databases or other tools that are essential to job duties of their employees.

· Google docs: This is free to anyone that has a Gmail account. It provides Microsoft based tools to people no matter where they are in the world. Google docs can be accessed to share documents whether for informational purposes or for each member of a team to edit the document. If you don't have Microsoft programs on your home computer, this is a great way to use them. They don't have the most current benefits of the current programs, but it will work in a pinch.

· Trello: This is a popular tool that allows for project management across your team no matter everyone's location. This can be used for individuals to organize to-do lists or monitor projects, so everyone knows where the team is at. The program permits you to break the project into segments that can be more closely observed as the project progresses.

· Zoho: This is another project management tool, but it looks to have an abundance of features including overlapping features I've already discussed. There is the ability to monitor time spent on projects, offers charts and written documentation of the progress of the specific projects the team is working on, a calendar that the entire team can contribute to and view, document sharing capabilities, notes area for recording specific hurdles or bugs that need to be resolved. This is just the tip of the ice burg in terms of the capabilities of this tool. The cost is relatively inexpensive as well ranging from $0 for limited access to $100/month/employee for all access.

· Yammer: This is described as a Facebook for work. This platform allows an employer to send only relevant information to employees. Then employees can communicate within their specific teams to accomplish goals.

· Skype: This is a free service that allows face-to-face communication between employees. The tool is internet based and allows you to bring several people into the conversation/collaboration.

· GoTo Meeting: This is a great tool for webinars as it will allow you to broadcast to hundreds of people that join. In addition, for those that cannot attend the meeting or want to watch the meeting for a second time the meetings can be recorded. You can share your screen with those that signed up for the meeting allowing for project collaboration or even training.

· Viewflux: There are several sites geared towards designers, viewflux being one of them. These sites allow you to share your designs with a group of people. Those people can specify changes they want made by marking up the page. Have you ever wanted someone to change something about a graphic and you try to describe in several words what just a few words and an arrow could describe? These sites make a world of difference for designers and their clients and team members.

· Dropbox: If you have files larger than what can fit on the Google drive, dropbox is an option for a place to share files with your team. According to Dropbox, this is a secure way to share files.

· Nimble: This is a great tool for sales people and people with large networks to stay organized. This tool combines your social media and email contacts into a Customer Relationship Management (CRM) solution. The tool even links conversations you've had with these contacts, so you can remember the contact in that specific context.

These are just a few of the tools that people can use when they work from home or even work in the office. The collaboration potential with the tools can simplify processes that are long overdue for change. In addition, the telecommuter can easily connect with and contribute to projects that are being working on in the office. Without these connections, the telecommuter could quickly be disregarded as part of the dynamic of the department they once worked with in person.

While some may argue that society is more disconnected from one another than ever before, consider that technology is not a hindrance to our efforts to communicate but rather an advantage. I would maintain that society is communicating more efficiently, more frequently, and more effectively than ever before because of technology.

Imagine being able to work from 7:00-4:00 and being able to start dinner at 4:05 rather than 5:05. Now you have time to patiently help the kids with their homework, easily pick up the kids from soccer practice, spend time focusing on your spouse. The pressure to get things done can decrease as the level of technology increases if we leverage the two. What would the ability to telecommute mean to your life? Do you do it currently? What have you found to be beneficial about it?

Read more about Remote Work Options.

Article Source: http://EzineArticles.com/expert/Angela_Steward/2508409
Article Source: http://EzineArticles.com/9872578

How to Grow Your Blog Into a Business

Most of the time, businesses start blogging as a way to build an audience. However, the reverse seems to be happening. More and more people with blogs are starting to monetize their traffic. It makes sense because one of the hardest things to do as a business owner is grow your traffic. If you grow your blog first, you already have a solid following to support your business idea.

Starting a blog is easy, but if you want to make money later, you need to think about your strategy and set yourself up for success. It's important to know what you need to grow your blog and grow your traffic.

What is a Blog?

A blog is a weblog of content updated regularly. It's an online publication written in a personal tone, meant to share opinions, teach others, develop a personal brand, or sell products or services. Blogging is fulfilling, but it also requires commitment.

It's important to be consistent, no matter how often you publish. Your audience grows to expect your posts, so keep at it, and don't disappoint them.

How to Start a Blog

Finding the time to flush out your ideas and do it consistently is the hardest part of blogging. Once you find the time, starting a blog is straightforward. Consider your opportunities to monetize your blog, determine your audience, and plan a publishing strategy.

You need to think like an entrepreneur to make this venture profitable in the future, so map out the groundwork for your distribution and monetization now.

Ways to Make Money

Most people think of running ads on their blogs as a way to make money, but there are other ways. Building a loyal audience is more important than building a big one, and you won't earn the trust of your followers by spamming them with ads all the time.

Instead, think of ways you can sell physical or digital products that align with your audience. Sell your services as a writer or designer. Publish a book. Create subscription-based packages with platforms like Patreon. Do paid reviews or become an affiliate for other brands.

You have to enjoy blogging for it to succeed. Dedicate yourself to serving your audience as best you can.

Pick a Niche

With all of the information on the internet, it's hard to stand out. Try to choose a topic that's hard to find elsewhere. It's also critical to choose a niche audience. There are so many internet users that it's impossible to appeal to all of them.

You can focus on a specific location, present your content in a different style, or focus on a smaller segment of a bigger market. For instance, writing about steakhouses in Kansas City that serve steaks larger than forty-two ounces allows you to focus more deeply on your topic that choosing to write about steakhouses in general.

Choosing a Platform

When it comes to hosting your blog, you have two choices. You can host it yourself or host it on a paid platform. If you host it yourself, you have more customization options. You still have to pay a fee, but it's less than a paid platform, and you have more flexibility in design.

Using a service to host your blog is the best option for those who don't know a lot about design or HTML. Some options include Blogger and WordPress. Think about how you want to monetize your blog because not every platform gives you what you need.

You can also use free platforms like Medium or Tumblr. They have built-in audiences, making it easier for you to get started, but they provide less customization, and your blog design ends up looking like everyone else's on the platform.

Picking a Name

This is a great time to think about what you want to name your blog. Unless you plan to build a personal brand or portfolio, don't use your name. Think of something catchy, fun, and descriptive of your brand. This name should reflect your blog's identity, add personality, and be easy to remember and type.

Groundwork for Growth

Thinking about how to grow your blog and having a solid plan in place helps you to build momentum quickly once you get started. If you don't have a plan, you may end up struggling with distribution because you don't have a strategy. Publishing is nerve-wracking, but having a plan can alleviate some of that.

Planning for growth involves collecting emails as soon as possible. Use a service like MailChimp to store your subscriber list and make distribution easy. It's free for up to two thousand subscribers. You can also use MailChimp for signup forms, which is a critical piece of capturing this information.

Embed your signup forms directly into your content with a call to action to subscribe, so the experience is seamless for your audience and easy to manage for you.

Blogging can be stressful, but it's also a blast. Use these tips to think about how you can grow your blog to make money later. The great thing about starting a blog is that you don't have to quit your day job until you start making money. If done right, once you start making money, you'll grow quickly.


For more instruction on blogging for profit, click SmallBizCourses to choose a course that's right for you.

To your success,

Gail

Whether you're a newbie entrepreneur wondering how to get leads, or still trying to figure out what kind of business to start, click https://SmallBizCourses.com today to see which course is right for you... and don't forget to get your FREE report while you're there!

Article Source: http://EzineArticles.com/expert/Gail_Coleman/188609
Article Source: http://EzineArticles.com/9880579

Super Tips For Turning Failure Into Success

How to Turn Failure Into Success

Acceptance, Communication, Success
DO NOT Let Failure Affect Your Self Worth
"Success is failure turned inside out."
Author unknown.

I honestly wish I knew who wrote this so I could thank him for giving me a guide to what success looks like. I was a freshman in high school when I read this quote and it stayed with me, not only stayed with me... but it changed my life. It was so clear, things can really be that simple!

Whoever wrote this must have known about a young girl who wanted to be successful but had no idea what success looked like. She thought her life was full of failures but in reality, the failures were really successes. It's like holding a t-shirt in your hand and you're about to put it on but than you realize it's inside out. What do you do? Well, you fix it and you put your shirt on the correct way. Then you go about your business, never giving it a single thought.

My friend, it is that simple. All you must do is take the failures and turn them into successes. Why is it so hard for you to turn your failures into success? Because you've tied your self worth to both the success and the failure.

Here's the problem. As humans, we give everything way more meaning than it should carry. For example, let's say your marriage failed and you started blaming yourself. You ask: How come I did not see this or that? Shouldn't I have known better? All the signs were there, so how could I have missed it? I'm such an idiot... and on and on... the madness goes. Pretty soon, you begin to feel badly about yourself. You start calling yourself dumb, idiot, loser, etc. You begin to think about all the people you let down and what they must think of you. Sound familiar?

What if you didn't give it any meaning at all? What if a failed relationship was just a failed relationship? What if a bankruptcy was just a bankruptcy? What if losing your job was simply that. What if none of it had any deeper meaning at all?

Here's what you should do to keep the failures in your life from affecting your self worth. First, you must stop taking everything personally. This was huge for me. When I stopped taking everything personally, and looking at them as "things that happen in a broader context" I could look at things more objectively. The failures aren't personal. It's all part of this thing call "life". Everyone who takes on this human incarnation is going to have a certain level of failure as well as success.

The second thing to do is to look at the failure objectively. It has no meaning except for the meaning you give it. I was fortunate enough to have had the opportunity to work with T. Harv. Ecker, author of Secrets of the Millionaire Mind. One of the things T. Harv. Ecker taught me was that nothing had any significant meaning at all. He constantly reminded me of this simple fact. It's the same thing with failure and success. They have absolutely no meaning at all besides the meaning we give to them.

For a lot of people, having success means they've made something of themselves. they've proven to aunt so and so or their father that "I'm not a loser." Here's what I've learned. You don't have to prove anything to anyone, not even yourself. Just accept that your successes and failures are impersonal.

I meet millennials who seem to define themselves by their career. What they do for a living has become such a priority, they don't even realize how closely they've attached their self worth to it. Today, the pressure to get married has been replaced with the pressure to become successful in your career as quickly as possible. Sure, it's a good thing to be successful in your career, but you are not your career. There's more to you than the initials behind your name or the title of your job. When you are at the bottom of the totem pole at work, you can't translate that as to where you stand in life. This is where you are today. That's not where you will be five years or ten years from now, so why does it matter so much?

Here's a different take on it. You may lose your job, all your money, and all your earthly possessions, but you can never lose the ability within you that got you those things in the first place. And if you can remember that, then you can turn every failure into success. When I left Florida, I left with my Honda Civic, my clothes in the trunk, and a few toiletry items, and that's all I had. My tribe was very upset because they felt like I had thrown away everything I had worked so hard to achieve. What they didn't realize was that my ability to get those things was still within me.

I don't know how I knew this but I knew that I could own another home. I knew that I could recreate an even better life than the life I'd had in Florida, and I did. I want you to awaken to the possibility that you can create better. You can always have better than you had before. The ability to get a great paying job is inside of you. The ability to start a new business after you've lost a business that you've worked hard at is all inside of you.

Last year I had the opportunity to interview Angela Martindale. She transforms lives from ordinary to extraordinary. She's a highly sought-after nutritionist, and fitness coach to Hollywood moguls and models. She's the creator of Chi Yoga Flow. The one thing that stuck with me during our interview is the fact that she lost everything after her divorce. Angela moved in with her parents with only a backpack crammed with a few personal items. This is after she had built a thriving business. But what she still possessed was the ability to create the results she had created before! Although her ex took her earthly possessions, he couldn't take her ability to rebuild both her life and her business. Angela anchored herself down and rebuilt not just her life, but also her business, and today she is happier than ever. In the process, her work has truly transformed my life and the lives of many other women.

If you want to turn your failures into successes all you have to do is detach your self worth from both the failures and the successes. You've heard of child actors or other performers who committed suicide or became drug addicts and alcoholics because their career started to slide. This happens because their self worth was attached to their job. When your self worth is not attached to your job, your career, or your bank account, you are free to turn your failures into successes. The next time you find yourself down, just remember Angela's story and remember what my mentor, T. Harv. Ecker said: "Nothing has meaning except the meaning you give it." Stop giving your successes and failures meaning, just live your life. Enjoy the successes when they happen and when you fall down, just get back up, dust yourself off, and get back in the game.

Article Source: http://EzineArticles.com/expert/Naomi_Sodomin/2487133
Article Source: http://EzineArticles.com/9836290

8 Home Based Business Ideas

It is very possible to make a good living right from the comfort of your own home! Yes it is! Because, I personally know people who have been working from home for many years now. So, the question is not, "Is it possible?", but the question is, "Will you do it?".

The truth is, if you are a stay at home mother, a House-Wife, or if you're just a self-employed entrepreneur, then you're gonna need to do something to bring in some income. You can't just stay in that house and do nothing, because those bills are not gonna pay themselves! So, you gotta get cracking!

There is no one size fits all approach to establishing a good home-based business, because everyone is different and unique. But, here are 8 home-based business ideas that you might consider.

1. Daycare / Babysitting Services

If you are good with children, then why not consider making a living off them? You can totally turn your living room into a kid friendly daycare spot!

You can charge per child for the week or for the day. This can really bring you in some serious cash, because face it, people can't take their children to work with them all the time. So, a professional woman or a working man may need an extra set of eyes and hands to look after their little booger while they are at work or running errands.

To be successful with this home-based business, you are going to need to be well organized and very punctual. You need to be on time with this one, because you may be getting clients in the early morning or needing to collect kids at the late evening time.

2. Personal Assistant / Office Administrator

If you are a professional at heart, then this might be a great home-based business venture for you.

Plenty of entrepreneurs, start-up attorneys, artists, musicians, and freelancers require administrative help. You can easily provide that office hand that they need to make their business run smoothly and easily.

If you find one single client, you can make some good top dollars. But, if you decide to accept a few clients, then you can even pull in way more!

This type of home-based business would be ideal for a person who has a history of working in an office setting.

3. Tutoring Services (Instrument - Academics - Computers)

If you have an area of expertise, you can totally turn that into a money maker! Tutoring, teaching what you know, and helping others to become proficient in a subject will never go out of style.

If you are serious about your approach, you can easily find yourself booked all up for every day of the week with a client!

Give lessons in guitar, or teach word processing in Microsoft Word, or even give lessons in math, history, or language arts. Really, the only limitations are the ones you put on yourself.

4. Tarot / Psychic Readings

This one may seem a bit different and odd, but the truth is, it still qualifies as something you can totally do from home.

If you're into this type of work, you can easily pull in a decent weekly or daily income.

You can provide services via phone, or you can have clients come visit you.

Many of your clients are simply seeking a mutual talking face to face buddy. Someone who is gonna speak positive to them and help them sort their own spiritual path out.

5. Book Authoring / Writing

You have some great ideas and some stunning stories floating around in your head! It's time to bring them to life! Becoming a book author might be the perfect thing for you.

If you sat down and wrote just a few hours a day, you can put out nearly a dozen books for the year! Writing a book isn't hard at all, but it only requires discipline and focus.

The money might trickle in at the start, but if you continue to write, you will eventually build up a loyal readership.

As long as you produce quality content, the books will basically sell themselves.

Also, you can blog, and write articles, and make money off of marketing in your articles or via donations that readers make because they love your style so much!

6. Personal Laundry Services

This is a different one, but it still makes the list! Face it, people can't go to work smelling like butt and feet! Those clothes must be washed! You might be the perfect person for the job too.

Don't overlook this one. It's the jobs that nobody wants to do that you can truly make a killing off of.

People can bring their laundry to you at the end of the week, and you can have them fresh and smelling clean for the next week to come. Even, if they dropped the clothes off at the start of the week, you can have them done in a day or so.

7. Food Catering Services

If you're a Chef at heart, then this might be your calling! Put your apron on and get busy.

You can create a menu, which would be the foods that you prepare the best and the most often. Then, you can have your clients place their orders in advance.

You can service big events if you're up for the tasks, but you can also do small jobs too. Cook for your entire building or town, or provide catering for weddings, birthdays, and even baby showers! The possibilities are only limited to your imagination.

8. Barber / Hair Stylist

Do you have that magic touch when it comes to hair? Because, you so could make a great living doing hair right from your own home!

Many people are not too good at doing their own hair, but the thing is, they still need to look decent and presentable. This is where you come in and save the day!

Usually Hair Stylist charge per session, but you can be super creative. If you cut hair or braid often, then you can consider a monthly service fee, and keep a regular in your chair. This way, it won't feel like a hustle to you, because the money is already set in place.

Working from home can truly be a great option for many. Don't forget that there are pros and cons with just about everything you can think of though! Because, working from home may be super convenient. You won't have to worry about commuting or travel expenses. You don't have to worry about a boss hanging over your shoulder either! But, since your work is at home, you won't have a place that you can fully retreat to and relax. Plus, since you're home, you may be tempted to dine a bit more, use more electricity, and the expenses of your home may generally increase a bit.

Regardless of where you work, the most important thing to keep in mind is that you enjoy what you're doing. Because when you enjoy what you're doing, you will be able to do a super good job!

"Bringing Positive Light And Empowering Perspective To Your Life!"

James J. Elleyby

Motivational Life Coach

Go to my website to learn more about me.

http://www.mylife.coach

Article Source: http://EzineArticles.com/expert/James_J_Elleyby/2504857



Article Source: http://EzineArticles.com/9881434

Create A Solid Online Presence to Make Money

In today's modern world, it's difficult to be a successful freelance writer without a solid online presence. Sure, you may get one or two clients via in-person networking, but the vast majority of your work, as an online freelance writer, will come from the web, on places like your website, your social media platforms and even via Google search results.

So if you're just starting your freelancing journey, consider building your online presence as step #1. It will be the foundation for everything you do as a writer, and it will help you build the lucrative and successful career that you've been dreaming of. Don't know where to start?

Here are the four must-have essentials:

1. A Portfolio Site - Your portfolio site is the most important piece of the puzzle. It's where potential clients can go to learn about you and your skills and read samples of your writing. It's also what will show up in Google search results if you practice search engine optimization techniques.

2. A LinkedIn Page - LinkedIn is a great place to find new clients and new projects. Upload samples of your work, get recommendations from colleagues and past employers, and create a profile to show off to potential clients.

3. A Twitter Account - With Twitter, you can establish yourself as a true expert in your niche and as a writer. Use this platform to share news and industry insights, and promote your work (and your client's!) whenever possible. Optimize your profile with the right terms and hashtags, and you may even snag a few new projects.

4. Your Own Blog - Starting a blog can help your career in numerous ways. First, it can display a great snapshot of your skills. If you don't have many samples yet, a blog also offers potential clients a way to evaluate your talents and see what you can really do. And it can help you establish yourself as an expert in a specific niche or industry as well.

Be sure to tend to your blog and profiles regularly, update them with new skills and samples as you gain them, and use them to their fullest potential.

If you need advice on how to create a client-attracting online presence that will help you get more writing gigs and build your freelance writing career, then you should check out Maggie Linders' Freelance Profit Academy.

Maggie, a six-figure freelance writer, teaches writers exactly how to build full-fledged, successful freelance writing businesses while offering personal coaching and support as well as daily scam-free job opportunities.

The Fastest Way to Earn Your First $1,000 as a Freelance Writer - You know what feels great? Earning your first big chunk of cash as a professional freelance writer. It makes you feel like you made the right choice - like quitting your 9-to-5, branching out on your own and blazing your own path was the best thing you've ever done. But if you're just starting out, it can feel like that day is a long way away. If you're starting off with content mills and bidding sites, you may very well be working for pennies - and that can take a while to add up.

Fortunately, those aren't your only options. You can earn $1,000 as a freelance writer fast - long before your mortgage is due and the tax man comes calling.

Here's how to do it:

Find A Few Clients In Need - Scour your LinkedIn network and check out the websites of local businesses and companies. Is there any group with a less-than-stellar website? You could probably beef up their web content and make a big difference. Are any of your connections starting a new job? Find out if their company could use content help. Is someone in the market for employment? Offer to write copy for their personal portfolio site.

Request A "Per-Project" Rate - If you want to reach $1,000 fast, forget billing hourly. Instead, propose a flat, per-project rate for your clients. Factor in how much time the project will take you, as well as your experience and skills, and come up with a fee that's fair (but profitable!)

Exceed Your Deadlines - Sure, that new client might give you a month to complete their new website content, but do you really need that long? More importantly, do you want to wait that long for your payment? The quicker you get to work, the quicker you get paid!

Get Deposits And Ask For "Milestone" Payments - If you're working on a particularly large project, a great way to get your cash early is to ask for a deposit or collect milestone payments. With a deposit, you'll ask for a certain percentage of your total fee upfront. This is to reserve your time and protect you from getting stiffed. With milestone payments, you can have the client pay you for each chunk of content you turn in - maybe per webpage your write, per blog post or per eBook chapter.

Make Payment Easy - Finally, don't make payment a hassle for your clients. Get a PayPal and Venmo account, and ditch the old mailed, paper checks you're used to. Bill clients via email, and let them pay you instantly and seamlessly online. It's better for both you and them. Earning your first $1,000 can seem like an uphill battle but it doesn't have to be that way. If you want a proven, step-by-step system to earning your first $1,000 and more in a short period of time, check out Maggie Linder's Freelance Profit Academy. This program has become very popular among freelance writers and has produced hundreds of success stories.

The Top 4 Places to Find Freelance Writing Jobs

You can find freelance writing jobs virtually anywhere - through old employers and colleagues, on Craigslist and bidding sites, and even on social media. Freelance writing opportunities are all around us. But as nice as it is to wade through the numerous opportunities, it can also make the process of landing new freelance gigs pretty time-consuming. Do you really have hours to scour the web, checking in on every possible job site, social platform and blog? Definitely not - at least not if you want to be profitable! Thankfully, you don't have to. Below are a few of the best possible spots for finding gigs - gigs that can be lucrative and interesting and get you on the fast track to earnings.

1 - Morning Coffee Newsletter

This handy newsletter found at Freelancewritingjobs sends daily job alerts straight to your inbox. It features 10 to 20 handpicked freelance writing jobs from across the Internet, each with a different client, pay and focus. Some come from Craigslist (which means you don't have to scour the dozens and dozens of city-based Craigslist ads for gigs!) and some come from other job sites across the web. The main point? The work is already done for you. Just sit back, check your email, and apply for anything that sounds like a good fit.

2 - Blogging Pro

The Blogging Pro job board is a great place to find high-paying, legitimate freelance writing gigs for one big reason: Clients have to pay to post a job on it. Sure, it's only $30, but when there are alternative sites that are absolutely FREE for posting, you know a client means business if they're willing to shell out cash for their post! You'll find everything from niche, industry-specific gigs to full-time remote opportunities for single clients. It's a must-see stop on your weekly job hunt.

3 - LinkedIn

LinkedIn can provide freelance writing job opportunities in two ways: 1 - Job postings on the site 2 - Easy and seamless networking. Though networking takes a little more work, you can often spot opportunities for gigs just by checking your feed daily. Did someone change jobs or get promoted? Reach out and see if they could use your services. Is someone launching a new website? Ask if they could use help with web content. You never know when a job is right around the corner.

4 - Freelance Profit Academy

Job scams are plenteous on the web, and unsuspecting freelance writers can get caught in their devious web easily. Thankfully, the Freelance Profit Academy houses a daily, scam-free job board that weeds out scams and supplies you with the highest-quality jobs sourced from around the web. Review each and every job to provide you with only the best ones.

Success Means Going From Failure To Failure Without The Loss Of Enthusiasm - http://easyinternetmoneyandjobs.com

Article Source: http://EzineArticles.com/expert/Deon_Christie/2244072



Article Source: http://EzineArticles.com/9890428

Getting Started With Influencer Marketing

Influencer marketing is a form of marketing in which the focus is on influencers rather than on the target market as a whole. The concept is simply to identify the people who impact potential buyers and direct marketing activities around these influences.

Influencer content may be framed as some form of advertising evidence in which they themselves play the role of potential buyers or may be third parties. These third parties exist in a supply chain (traders, manufacturers, etc.) or can be called value-added influencers.

The world has slipped into social networks. Many consumers watch their co-consumers about their purchasing decisions. It's not like before, consumers trust each other, and one of those consumers is these personalities on YouTube, Instagram, Facebook and other social media platforms that enjoy a lot of followership. This concept of social networking has exceptionally revitalized online industry; this surprisingly effective marketing technique is helping different international brands achieve their marketing goals.

It is an open secret that a celebrity that can run your brand regularly and help promote it is a brilliant idea, more companies are beginning to exercise the authority of social networks which is more efficient than the conventional advertising. For this reason, Influencer Marketing could be the next big success in advertising. Here's why:

THE CONCEPT OF INFLUENCER MARKETING IS A VERY POWERFUL ONE 

There are many methods that can help increase sales in your business. But for now, nothing can contest the record that Influencer Marketing has played in recent years. Research has shown that consumer-to-consumer marketing leads the consumer to generate more sales than paid advertising can do. This only shows that influential marketing can provide an exceptional opportunity for brands to capture the power of word of mouth thanks to the influential people who follow and admire.

IT'S GROWING FAST WITH THE HELP OF SOCIAL MEDIA 

Since the world has embraced the social media, this may be the right time for your business. Social media is more than just a replacement for conventional media. Previously, consumers Would buy an item based on what they see or hear. Today, social media is the main thing; consumers can easily connect with other consumers and can make a better buying decision by discussing their product or service experience. The use of social networks is growing rapidly across age groups and gender. Influencers communicate with consumers using these platforms and gives influencer marketing a key addition to any successful marketing strategy.

FAR BETTER THAN PAID ADS 

There are over 200 million people worldwide who are using ad-blocking apps already, what happens to the money you have spent on those pop-up advertisements if the most of the internet users don't even view them. It's time for the internet marketers to up their game and change to something internet users have less issue with. Consumer trusts influencers and their recommendations; more of your marketing and business strategy should go into working with influencers

HELPS YOU WITH THE OVERALL PERFORMANCE 

Influencer marketing has the ability to change the overall outlook of your business for the better along with email marketing; it is actually very cost-effective. The fact that your competitors are already investing in it, is an indicator that it's the next big and shouldn't be overlooked, as influencers can truly affect consumers' choice on buying a product.

Overall, the digital world is completely different. A lot of marketers are already using Influencer Marketing, because of its effectiveness and high return on investment. Social media likes and shares can be gathered turned into valuable insights to your advertising sojourn. There is no better time for you to start reaping the benefits of influencer marketing than now.

To explore more, visit: https://infostreamusa.com

Article Source: http://EzineArticles.com/expert/Olivia_Wilson/2449341



Article Source: http://EzineArticles.com/9842800

Life Equals Time - Style Equals Money

Put yourself in a position where you have... Time AND Money.

Become the best version of You. Invest money in yourself.

Put your money into things that make money.

Have the attitude that... Money is abundant and money is all around you.

You can survive weeks without food, days without water but only minutes without oxygen. As soon as you take away oxygen...

It becomes the most important thing in life!

It's something we seldom consciously think about, unless you take it away.

You don't think about breathing unless you can't breath... (And usually that only happens once).

However, when you don't have any money, it dominates your daily life... All Day Long - Everyday!

It's all you think about. Fortunately, when you get to the place in life where you have an abundance of money, a productive life changes and becomes about helping others.

And when you focus on helping others... You will be rewarded by "The Universe" and have even more abundance.

We can't prove it. Some call it spiritual, others call it karma, luck, favor... Science can't prove it. No machine can measure it. It just works!

Some call it "Faith."

You can then go out and bless others. Become an abundance warrior.

Set a personal goal. Surpass it. Learn how to empower others.

Build a social media influence and scale your business.

Get a digital product such as an automated webinar funnel.

And then put the webinar on replay.

People will purchase from the automated webinar.

Then, by promoting affiliate offers, the selling is done "auto-magically".

You just collect, keep, and cash the commission checks.

What a wonderful life!

Build... Grow... Scale... and Multiply

Always sounds so easy. But is it really?

The truth is NO, it is not.

It's hard and like anything worth having in life... It takes work!

That's the dirty little secret they don't tell you in the ads.

But the reality is... The Harder You Work, The Luckier You Become.

I saw Donald Trump at the Jacob Javits Center in New York City about a decade ago. It was a FREE speech, no charge to get in, no security checks, no bomb sniffing dogs. Open to the general public.

Anybody could come, no metal detectors.

It was a different world back then... Safer!

(I heard 'The Donald' got paid a million bucks for the speech).

I remember Trump was talking about Paul McCartney. Trump said... 'that poor bastard Paul McCartney' didn't have a pre-nup.

That divorce cost Paul a ton of money, No pre-nup!

After an interesting, unscripted and entertaining speech, at the end of the evening, 'The Donald' concluded his talk by saying something I'll never forget.

Donald Trump said... "Never, never, never, never, Never Give Up!"

Here it is now a decade later, and that still sticks in my mind.

Carl Willoughby is an internet entrepreneur that has been online more than 20 years and can help you start a successful online internet business. Visit his blog at: http://www.Make-Money-Online-Finally.com

Article Source: http://EzineArticles.com/expert/Carl_Willoughby/58663



Article Source: http://EzineArticles.com/9876172