Seven Cures for a Lean Purse

1. Make your purse - or wallet - get fatter.

That doesn't mean filling it with receipts for all the items you've bought with your credit card. It means, fill your purse with money. And the best way to do that is to spend less than you earn. This cure follows from the first law of gold that we looked at last week: aim to save 10% of your income. Minimum. Save more than that if you can. Save for the long term, for your mortgage deposit or pension, depending on where you are in life. If you need to save for short to medium term things, such as a holiday or car, that should be in addition to and separate from the 10%+ that you save for your long-term needs.

Your 10% can include your pension contributions, ISAs, premium bonds or any kind of high interest/restricted access savings account. With compound interest, your purse will get very plump over the coming months and years, even if interest rates remain low.

2. Control your expenditure.

If you're going to save at least 10% of your income for the long-term, you must make sure that your current spending is no more than 90% of your income. This means wherever you are on the income scale, you'll need to apply some self-discipline when it comes to treating yourself and your loved ones.

For a start, keep your credit card(s) for emergency use only, and if you do use them, pay them off before you start racking up interest. Similarly, avoid taking out loans, unless you can justify the interest you'll end up paying for that privilege. A car acquired on one of the popular leasing schemes can be justified if it's essential for your work or business. But a loan for a holiday? Staycation would be a better choice. Learn to distinguish between wants and needs. A roof over your head and food on the table are needs; a month in the Maldives is a desire. Treat yourself to that when you have saved 10% of your income for a year or two and you can afford to fly off to paradise without dipping into those savings.

The secret to controlling your expenditure is to build a budget and then stick to it. If you have Microsoft Excel you can download a template to help you track your spending over a week or month. You can also find ready-made templates on the internet or apps for your phone. Work out how much you spend on mortgage, rent, travel to work etc. and set yourself limits on items such as eating out, entertainment, travel etc. This will help you keep below 90% of your income.

3. Make your money multiply.

You are looking for steady returns over the long-term, not a lottery win. What you need is a steady increase in your capital, your core wealth, such as compound interest from an ISA or savings account, or - more risky - dividends from shares you hold in well-managed companies, including your employer, if they have an employee share ownership scheme. If you are not an expert in financial products and investment vehicles, find someone who is. Don't make any commitments until you talk to a professional financial adviser. Explain what your investment goals are and ask them to help you develop a plan for realising achieving them.

4. Guard yourself from loss.

The sickening nightmare of seeing your dreams of wealth turn to dust as Bitcoin plummets or the bloke you met in the pub the other night disappears with your life savings. One way to guard against loss is to make it an unbreakable rule that you do not touch that core wealth that you are saving and investing for the long-term. Keep a ring of steel around that! If you are tempted to try your luck with Bitcoin or currency trading, only use money that you can afford to lose. That means any money that you have left over after you have saved your 10%, paid the bills and filled your belly. Money that you might otherwise spend on nights out can be handed over to the online bookies, if you can budget for it - see the second cure above. Never use a credit card or a loan for spread betting, gambling or any high risk investments. Before you engage in any high risk investing or betting, though, make sure you have thoroughly researched the field and that you understand what you're getting into. If online poker is your dream, practice with your mates for match sticks first.

5. Make your home a profitable investment.

Owning your own home (and ideally a few buy to let properties) has become an obsession over the last thirty or forty years. Given the way property prices have ballooned over that time, it makes perfect sense to get on the property ladder as soon as you can, particularly when house prices are increasing at a much faster rate than incomes.

However, be aware that at some point the bubble may burst. Yes, people have been saying that for years and it hasn't happened yet. But it is becoming increasingly likely that the authorities will take steps to let some of the air out of the property market. Potential measures include revaluing property tax bands and punitive taxes on buy to let properties and properties left empty. A major increase in house building is unlikely to have much impact on house prices by itself, but when combined with the potential tax changes, we could see prices reach a plateau and stay there for some time.

Given all that, the best approach is to find an affordable house or flat in an area where you would like to live for the foreseeable future, bearing in mind such things as local amenities, schools and the journey to work. Think also of the benefits of paying a mortgage and gradually acquiring total ownership (leasehold and freehold issues aside) of your home over 25 or 30 years, compared with being beholden to a landlord who can raise the rent or evict you at a month's notice, and who will still own the roof over your head despite all the £000s you put in his or her pocket.

If you can't afford to buy outright in the area where you want to live or work, consider such options as shared ownership and self-build. Check out what schemes are available in the area where you want to live.

If you already own your own home you can use it to generate extra income by taking in a lodger. If you live in a major city, a good source of lodgers is contractors - professional people working on a project local to you who need a place to stay for a few months and don't want to use hotels. Often they will go home for the weekend so you have the place to yourself. Another option is to take in exchange students. They will usually come in for a week or two. You provide them with a bed, breakfast, a packed lunch and an evening meal, and get paid for doing so. Another option is to use your home for holiday lets while you're on holiday yourself. This works particularly well if you live in a major city or a historic town.

Even if you rent, take a lodger (if your landlord will allow this) or run a home business (see below). You can still make your home a source of extra income, even if you don't own it.

Two other things to consider. First, home and contents insurance. Make sure you have adequate cover for the worst that can happen: fire, flood, burglary. Second, if you have a mortgage, look at insuring it against unemployment and illness. Take advice and make sure that any policies you take out are fit for purpose and will pay out if the worst happens.

6. Develop a future income.

Who wouldn't want to wake up in the morning knowing that whatever happens, they are assured of a steady income for eternity? Well, you can achieve this through your long-term savings, that 10%+ that you put by month after month, year after year.

When you talk to your financial adviser (as you must!) about your saving and investment goals, the first two issues you should focus on are a pension for you (and your partner, if you have one) and providing for your family when you're no longer around, i.e. life insurance. Your financial adviser should also point you to other investments that can deliver additional income for you and your family, such as ISAs, unit trusts and government bonds.

Your aim is to ensure an adequate income for a long old age. Remember, people are living longer, but not always healthier. It's not pleasant, I know, but think about the worst that can happen to you (short of an early death). You or your partner become chronically ill or disabled and need long-term care. How will you fund that? If you sell your home what will you leave to your children. This is the kind of issue you need to discuss with a financial adviser. You need a pension, plus other income streams, that will pay for all your needs for perhaps thirty or forty years after you stop working. Develop a plan, implement it, then get on with enjoying life.

7. Increase your ability to earn.

There is no such thing as a job for life anymore. These days, even professional occupations such as lawyer, accountant and insurance underwriter are threatened with automation and off-shoring. So, it makes sense to develop additional skills that you can make use of if you find yourself out of work.

If you think you're at risk of being replaced by a robot, you should look very carefully at "future-proofing" your career. Think about jobs that are unlikely to be automated or off-shored in the future. They tend to be ones that involve face to face contact e.g. complementary therapies, nail technician hair stylist, personal trainer, life coach, counsellor. Also, jobs where a local presence is essential: electrician, plumber, lock-smith, builder.

Of course, many of these jobs are relatively low-paid and are in highly competitive sectors. That means you need to find a unique selling point: something you do that no one else does, or no one else does as well as you. Focus on something you are genuinely interested in - or better still, passionate about - and that you know you can be brilliant at. Be realistic about the potential income, the competition and the time and energy needed to make it work. Unless you already have experience in your chosen field, you will need to devote a lot of time, and perhaps money, to acquiring the necessary skills and certifications. You will also need to decide how you will operate: sole trader, limited company, franchise? Take advice before committing yourself to anything.

A popular option for generating extra income is online selling. Even if you're in full time work and happy with your income, you can try it in your spare time and get a feel for what's involved. A regular declutter will reveal all sorts of things you can sell: clothes, DVDs, mobile phones, unwanted presents. If you enjoy online selling, you could develop a successful business without risking your core capital.

Apply the Seven Cures diligently and you will place yourself firmly on the road to greater wealth and peace of mind.

Article Source: http://EzineArticles.com/expert/Ian_Paul_Jones/249781
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Work From Home And Make Money With Your Own Online Business

Start Your Own Online Business- Top Reasons Why You Should
It isn't easy to start an online business. Some people may lie to you and say it is the easiest thing they have ever done, but they are being at best unrealistic. Running an online business is as the name implies, "a business that is online". So there are certain rules you must follow in order to earn cash online (and do it the right way).

Even though there are challenges to running a business online there are benefits to it as well. In my view it is better to start a business online. Below I have listed some of the top reasons I believe this to be true.

The Traditional Way To Get Cash Is Becoming Outdated
There are a lot of people who have great ideas, but can never seem to the get them off of the ground. Many times this is due to lack of resources or the ability to properly fund their business. With the traditional business model there is normally a substantial investment. An internet business does not require this major investment (though there could be a small one).

Using the example of a brick and mortar store an owner must invest in their business only to have their money at times locked in the business itself for years. Many times it takes years for the store owner to recuperate their entire investment. With an online business model you would have less overhead and other means to store your inventory (such as drop shipping or as an affiliate). This means that inventory is not a requirement allowing you to ship product upon demand versus investing in the goods upfront.

Each Industry Dictates It's Threshold To Make Money
Certain industries require you to invest money to make money. Depending upon the industry itself starting small may be out of the question. The reason? In order to compete you must be competitive. To be competitive in the traditional sense may require a significant investment of funds from the beginning. This is not even mentioning physical location(s), staff and security issues.

However, a home based business that exists on the internet can grow as you grow. We all want to grow. With a smaller investment you can leverage your advantage for greater profits. If staff is required, the positions are minimal and physical security becomes one less thing for you to worry about (especially if you are an affiliate or you don't house your products in-house).

The Internet Is Becoming The Standard For Communicating A Business
The day is coming where if you're not online you don't exist. Even traditional brick and mortar organizations are now vying for a presence on the web.

The level of innovation new technologies are providing the entrepreneur online are endless. You are limited by your imagination and ambition.

With the internet you can make as much or as little as you want. This is determined by your willingness and effort to take your business to the next level. Will you press forward the wheel of innovation a success and become the next internet millionaire (or billionaire)? Or maybe you're not as ambitious and are only looking to take care of your needs (and maybe your families too)? An online business can provide you with this ability.

If you are serious about taking the next step and take the quick path to getting your online business off the ground (and making you money), get my new quick start guide here now!

I am serious about my internet business, and thankful for the time you have taken to read this article. If you are serious about beginning an online business then I recommend my Internet Business Quick Start Guide. Get your kit here now.

Article Source: http://EzineArticles.com/expert/Eugene_Barber/939610
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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.

The Passive Income Myth

According to the IRS there are three categories of income: Active, passive, and portfolio.

Active is what it sounds like. You do income-producing activities that you get income.

Portfolio is also what it sounds like. You invest money into things like stocks, real estate funds, or other investment vehicles and - in the best of times - your investment yields gains, or income.

Then there is passive income.

The sacred cow of network marketing companies and continuity/membership site experts.

The goal of every over-worked, under-earning, praying-for-a-miracle self-employed type.

Passive intimates no work. You, on the beach, cocktail in hand, checking your PayPal account for the sales every few hours. Or, better yet, you, on your couch, in your jammies, binge watching GOT or House. Again.

I googled a ton of content on passive income and although there are some sound possibilities out there - lend money for interest for instance - many take a sound idea and run it right off the rails, like this one that admits you must frontload the work to get to passive: "first you need to haul ass and do something crazy, e.g. write a quality 20,000-word eBook (insane, not passive hahahah)", but here is where it runs wild -"but then you get to sit back and enjoy seeing PayPal sale messages pop up on your iPhone each morning as sale after sale after sale is made... on an ongoing basis and without any additional work. That's some seriously Pina Colada flavored passive goodness!"

There's some seriously delusional-flavored thinking.

Let's look at digital products. You write or create it once, set it up on a landing page, hook up the cart, drive traffic and you are off to the beach to collect your moolah.

A well done e-book or virtual program takes hours of research, writing, producing, formatting, etc. Those hours cost your time, and during those hours you are not making money. But OK, we can all agree, there has to be work on the front end right?

Right, but it doesn't end there.

Now we have marketing. If your landing page is optimized, your copy is killer, and your ads are spot on - something by the way that takes daily monitoring - and your e-book/product/program is targeted to the right audience, you could see recurring revenue from this evergreen type product.

Phew. We've done quite a bit of work so far and there are lots of "ifs" from a marketing perspective. (If your landing page converts because you've got conversion copy and the page is optimized for SEO, and you are targeting an audience that wants what you've got from you, and on and on.)

And marketing doesn't end if you want to keep the sales coming.

What about managing affiliate partners, returns, customer service? Even outsourced, there is still some active participation.

This type of income, as you see, is far from passive but it is leveraged.

Leveraged is good. It's how businesses grow and in our case, entrepreneurs, how we get out of the income-capping trap in the fee-for-service-only model.

I don't want to be Debbie downer, but part of my commitment to my clients and you, my readers, is to bring the truth; shine a light on traps, false gods, and naked emperors.

Am I suggesting not to do an e-book, a virtual program, or a continuity program? NO! (Well, I might in the case of the membership/continuity program, and I'm getting a few experts together to parse the good and bad and who should and shouldn't and when. I'll have details next week here.)

I am suggesting that you examine your attraction to a marketing idea before jumping in. No one idea will "save" a shaky business - sales is the exception here - and one idea that promises to "change everything" in your business is likely to fall short of its promise. What it really requires will only be found in the mice type - that tiny print at the bottom of webpages and print ads that gives you the disclaimer.

Always read the mice type.

And start researching leveraged income streams. Find out what it will really take to set one up and get started. It may not be passive, but it's income that requires less of you one-on-one or one-to-many. And that means more time to work on your portfolio or pina coladas.

Gregory Anne Cox is a free spirited entrepreneur who offers marketing in a fashion without using tired and boring content but a new fresh approach getting away from "Squishy Language" From becoming a freelance writer in NYC, to opening her own restaurant in San Diego, she is also a world renown author. Her most recent publications are "Everything is Food Journal" & "Your Genes Do Not Determine The Size of Your Jeans". Gregory now specializes in Online copy assessment, Done-For-You and Speaker and Engagement Services.

http://bemoremarketable.com

Article Source: http://EzineArticles.com/expert/Gregory_Anne_Cox/55712
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6 Actionable Ways To Get More Done In Less Time

I came across this wonderful analogy on time while researching for one of my events:

"Think about the airline industry. Their target is to have a full cabin in every flight. They don't really like empty seats. So, the prices are high. And dynamic. As the day of the flight nears, the prices keep on increasing. Good luck to anyone with a tight budget - if they want a seat on a flight at the last moment! It becomes a mad house then, the same seat which would have initially cost you probably 30-40% less.

But once the plane takes off, an empty seat has no value. That's a loss for the airline. There is no way they can get any money for it. However expensive the seat had been, once it's gone, it becomes valueless.

The same can be said about 'time'. A very expensive commodity indeed. While the clock ticks away, it keeps becoming more and more precious. You would kill to save those precious moments right before something has to be done. Do anything to have little more time at your disposal! Unfortunately, you cannot stop the clock.

And once it is gone, it ceases to be expensive. It ceases to be anything!"

There is a very simple thing I like to say,

Time pass = Time Fail

Let me give you some stats. The average person gets 1 interruption every 8 minutes, or approximately 7 an hour, or 50-60 per day. The average interruption takes 5 minutes, totaling about 4 hours or 50% of the average workday. 80% of those interruptions are typically rated as "little value" or "no value" creating approximately 3 hours of wasted time per day.

By taking 1 hour per day for independent study, 7 hours per week, 365 hours in a year, one can learn at the rate of a full-time student. In 3-5 years, the average person can become an expert in the topic of their choice, by spending only one hour per day.

If only we had that one hour we could take out from our crucial time (kept aside to be wasted)

I know it is difficult. The habit of wasting time if hard to beat, especially the blissful joy of doing nothing. And then running around in mindless panic at the 11th hour - that's not much fun though. Here are a few things you could do that have proved to work well for me, if you are looking to managing your time better:

1. Put a price on your time

Yes, make a guesstimate of the cost of your time. You may not make it comparable to some industry stalwart but consider yourself as someone who is fairly successful when you do so.

Depending on how much you earn (or spend, if you are a student) each year, you can count the number of productive days in a year and number of working hours in a day. Get you own hourly rate;)... If you do not know the value of your time, who will? I do this exercise every time I revise my compensation rates for clients.

Once you have that estimate, next time you have the urge to splurge your time on something, you can compare whether it is worth your time or not. The concept of value in marketing is defined as benefits/cost. (Some even consider it as benefits minus cost). Find out your own version of benefits upon cost for your time i.e. time value.

Now, I am not saying that you do everything according to this method. But a lot of your trivial activities could go through this simple test before you decide to undertake them. This will simply give you an idea of how much valuable time you generally waste doing stuff that you need not do really.

2. SWOT Analysis

You must have heard of SWOT right? It's an analysis of Strengths, Weaknesses, Opportunities and Threats. Generally it is done on an organization level vis a vis competitors to understand the road that has been traveled so far and what lies ahead.

But whoever said you couldn't do it for your own self?

SWOT can be helpful in prioritizing your time and to-dos. Between all the elements of your SWOT, I would suggest that you focus on your strengths. Give more time to things you are good at and play to your strengths. This will ensure you enjoy your productive hours more. But it will also help you figure out which of your weaknesses can you spend how much time on, so that you could turn them into your opportunities and subsequently, into your strengths. It is very much doable, should you put your heart on to the pursuit of 'better-ness'.

If you cannot picture a long term situation, don't panic. Take one day at a time. I would say, devote some time each day to your SWOT elements. Some will of high priority and some will be of low. But ensure that you take some time out. As mentioned in the very beginning of the post, merely taking out 1hour everyday can get you to gain expertise in a particular field (condition applied - dedicated one hour). Just find out time first for your priorities.

You will be amazed at how much buffer time will remain each day for you to decide how much of it to spend or trivials and non-essentials. SWOT has always come to my rescue. It will do the same for you - I guarantee!

3. Wake up early

This does not seem like a time management tip but trust me it is. When I started waking up early and tried to get done with 50% of my To-dos even before the rest of the world woke up, it gave me a very beautiful delusion of having more than 24hrs in my day. I had more time for myself, my family, my work - everything. This habit just does wonders.

Most important things get done early on, leaving time for leisure and fun and most importantly - getting more important things done than you had planned! That's a welcome delusion I would say. Here are a few early morning activities that can prime your day.

4. Creating To-Do lists

Creating to-do lists is a classic time management tool. I keep a white board right above my workstation where all the to-dos go. It is the simplest way to tackle your list of never ending works. Keep striking off what got done and keep writing what needs to be done further.

Place it strategically at a position where your eyes keep going from time to time. If you are a more organized person, you can even color code your white board of to-dos. The essence is to make you feel ashamed if the list of struck out items is smaller.

And don't be ashamed of jotting down to-dos. Once you have an exhaustive list, you can do your SWOT and prioritizing too! Find out what's more important and what needs to be done right away.

5. Right here Right now

If it takes 2 minutes to do a thing, do it now. Don't procrastinate even for very small things. It is often the 2 minute tasks, that when piled up - look like an Everest that you have to conquer. It is this pile of 2minute noodles that gets perceived as crisis often. And believe me, a major part of crisis management is dealing with these simple things efficiently. It is not that big a deal. We just turn it into one.

It would also be advisable that you do the things you fear most first. Or abhor. That inertia of having put good effort gets carried forward to the rest of the day (or sitting). You may not succeed initially. But slowly, you will get into the habit of facing your fears and getting things done in time - that's two things nailed!

6. Kill your Distractors

Have you heard of Pareto's principle? The 80-20 rule by Pareto, when applied to time management, says - 80% of your half-hearted time generates only 20% of the results.

And it is no rocket science that your 80% unfocused time is a result of too much distraction. Kill those distractors. Free, high speed internet, YouTube streaming without buffer, endless social media networks and their apps, so many relationship issues to worry about, numerous trivial things to think about, useless people issues to get into - a lot of work, a modern living is!

It is possible to keep these distractions at bay. A little will power is all you need. And what starts as will power, soon becomes a habit. Progressively remove your distractions if you want to reach somewhere in life. Because what doesn't take you towards your goals, takes you away from them!

There are many more ways to manage your time better. But the first step to all of them is - your sheer, infallible determination to make use of these non-renewable, very important resource - in a better, more judicious way.

Remember,

The difference between a Steve Jobs and a normal job is - how one utilizes their 24hrs!

Akash Gautam a Motivational Speaker for Youth & Corporate Events in India. He has more than 16yrs of experience as a Public Speaker, Writer & Career Counsellor. He is known for his comic & sarcastic style as a speaker. He believes that he still is an ardent student of life and learning. He writes regularly on his blog answering questions that his audiences mostly ask. You may know more about him and his work at: http://akashgautam.com/motivational-speakers-in-india/

Article Source: http://EzineArticles.com/expert/Akash_Gautam/2470971
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This Year, Transform Your Time With the Stories You Tell Yourself

When you pause and listen, you may be surprised at how much 'chatter' is going on in your head. You're actually conversing with yourself almost constantly. And this isn't just idle chatter.

Indeed, the stories you tell yourself, to a surprising extent, define your reality.

So, when it comes to meaningful conversations, the silent ones you have with yourself may be the most important ones to pay attention to.

And what better time than the start of a New Year to think about that? Maybe it's time to consider telling yourself some new stories.

What you tell yourself is your choice...
Here's a scenario that a client told me about not long ago:

Joan had invited a few of her friends to join her family for their holiday meal. She was really looking forward to it, had cooked up a storm, and had created a centerpiece that she was really proud of. Just before the guests started arriving, her cat jumped up on the table and started tearing the centerpiece apart.

Upset, Joan sprang into action to shoo the cat away. In the process, she knocked over a pitcher of water. It soaked the tablecloth and was starting to puddle on the floor as the doorbell rang.

Telling the story, Joan smiled proudly and said that in that moment she made a really important choice. She decided to laugh as she opened the door to her first guests. And that decision powerfully defined her present reality and had a ripple effect that changed the shape of her day.

What our stories tell us...
So Joan told herself quite a bit with her laughter. She indicated that there was no need to feel ashamed or to panic. Her laughter meant that what had just happened was something she accepted. It became part of the unfolding story of her day and was a source of humor, not horror.

And I'm sure you can imagine how differently this would all have felt had she chosen differently. Picture her face as she opens the door. How does it look if she is furious with the cat or self-critical about knocking over the pitcher?

Choose your stories well.
So, as we move into a new year, I invite you to consider the power of the choices you make. And especially, think about the stories you tell yourself about your life. You can make such a big difference for yourself.

You'll find expert guidance quickly with our free Finding Time Success Kit, so check out our video at http://thetimefinder.com/ and then sign up for your Kit!

You'll receive our Finding Time Boundary Template, our popular Weekly Tips, and our monthly, award-winning E-zine -- all free and all right to your in-box!

For even more time tips, tools and techniques, visit our blog at http://thetimefinder.com/blog/

Offered by Paula Eder, Ph.D. The Time Finder Expert

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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

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Some Nuggets on How To Be Rich

Everyone no matter their age, they all want to know how to be rich, how to hack life and make it financially. The significant driving force has been the perception that wealth or money means everything or can buy you all and make you happy. Millions of books have been written since the ancient times and yet you will find yourself looking for more and hopefully direct and easy ways around how to just make it. Well, you did great reading this article since you will see that most of what you need to make it you already have it.

Most young people just want to hack life and make it all at once without that effort nor patience of learning. This has created severe habits such gambling and fraud as a means to get rich quick. The other vice that has risen due to the elusive fact that all can make it is a generation of desperate and drug-addicted youths who believe that their fate is already sealed. This article is a wakeup call and a call to action to drop page thumping and expecting to find that one magical trick. You are all that you need.

How to start.

To begin with, by reading this means that you are ready and willing to make something out of yourself, get your head straight now and acknowledge that you have a working brain and a desire to make it.

The second move is to dream and make sure that you do not just imagine. The moment you can visualize anything in your head means that you can be able to make it happen for real.

Go ahead and write down your plan and evaluate how you are planning to achieve that. This, therefore, has to begin with small ideas and seeing them through. You cannot start planning for a Ferrari, and you do not own an account even. Start small and be patient to look at the fruits of your hard work.

Patience as a value comes in hand even when managing your wealth later in life. You have to carry out planned and well-calculated risk and wait patiently and trust in yourself that it will work.

The other thing is growing some balls because the moment you start investing you will have to be ready for risks and failures. Do not dwell on the failures instead move on and have better plans, do not lose focus but keep the desires, and all will work eventually.

Lastly, when you start making something, reinvest and work to grow bigger. Instead of celebrating and blowing up everything take it back and let it grow. Always have the mentality of safeguarding the capital you input at any time and then re-invest the profits for growth.

Conclusion.

The smart ones only win the money game and wealth creation. By accessing such information, you have been made smart, and that means you can go forth and grow yourself to whatever level you want.

You can always find more interesting articles here or hire my writing services. Reach me via mikiepirate12@gmail.com

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Focus Is What Creates Wealth

A few months ago, I wrote about the two driving forces in every decision we make. Each decision you make is based on your attempt to avoid pain or pursue pleasure. In many areas of our lives, pain seems more intense and therefore, most of us base our decisions trying to avoid pain. Take someone who is out of shape for example.

Are they out of shape because they do not possess the knowledge to get in shape? No, we know what it takes to be in shape, but we also know it's hard, it takes work and commitment. For some, the idea of not eating what they want and working out is more painful than the pleasure of being in shape. Being in financial shape is not different.

We know that we need to budget our personal finances and we need to earn more than we spend to be in good financial health, but some people associate too much pain with not spending, so they spend. Each person has their own associations with pain and pleasure. In the article I wrote a few months ago, I focused on the benefits of pain and how it is necessary to reach your goals and how we should not avoid it. Success does not come easy and pain is part of that journey.

Knowing that pain is positive helps us when we are going to make a decision that could cause pain, but that knowledge alone might not be enough. What can make a big difference is our ability to focus on the pursuit of pleasure over the avoidance of pain. The idea is to make the thought of the pleasure more powerful than the thought of the pain. This is done in two ways:

GOALS

Obviously, we know goals are important in business. In fact, some will argue you will not be successful without them. What is not so easy to understand is why goals are so important. By having and focusing on goals, you are focusing on what you want, which is the pleasure we get from the decisions we make. When you are newer to business I would suggest focusing on a SMART goal, but my SMART goal might be a little different than what you have been taught.

Specific: The more specific your goal is the better. Your picture of what you want should be very clear.

Measurable: A goal like getting into shape is not only not specific but it cannot be measured. How will you know when you reach it? Great goals are easy to measure and know when they are accomplished.

Action Focused: This is the one that changes a little from what others are teaching. When you are getting started, created goals that are based on actions will help you. This is because they are easy to accomplish, and you can create some momentum. Small success leads to great things. For example, you might want to make a goal that you will make 5 offers each day or each week instead of doing one deal a month. Although you might want to do a deal a month, the focus should be on the actionable items that will get you there.

Reasonable: This is one that is challenging for a lot of us. We hear that if you shoot for the stars and miss, at least you will land on the moon. Although I do believe that we need to think big, I also understand that we need to believe our goals are attainable or we will not hit them. Our mind is so incredibly powerful that if it does not believe you can hit the goal... you can't. My advice is to make short term goals that stretch you, but that you believe are possible. As you start hitting your goals you will be expanding your mind and can create bigger and bigger goals. There is also nothing wrong with dreaming or setting lofty longer-term goals. That too can be very positive in your development.

Time Based: As mentioned above I like the idea of short term goals. My preference is a year or less on the actual goals that you are going to focus on. Monthly goals work well. There should also be rewards for hitting these short terms goals. In no case should your goal not come with a definitive date to accomplish.

BIG WHY

I have written several articles and posts about this, so I will not spend too much time here, but it is important to mention that it is my strong opinion that your why is the one fail safe way to have success in anything you do. As long as your why is big enough, you cannot fail. Period.

The second way to shift your focus to the pleasure is your big why. Your why is very different than a goal, as it might not meet any of the SMART criteria. It is huge, much bigger than you, and is often something that is hard for you to even realize you are capable of accomplishing. Your goals will be based on this, but it is not something that you are tracking in most cases. It is often times much bigger than you, like leaving a legacy or helping or starting a charity. It is my why that keeps me going when things get hard and it is my why that helps me make decisions that I know will cause some temporary pain. It helps you bust through fear.

By focusing on your dreams and your goals you will be able to look past temporary pain, so you can create lifelong pleasure. Combine this strategy with the knowledge that pain is positive and you will be unstoppable!

Article Source: http://EzineArticles.com/expert/Kevin_Amolsch/725898
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5 Things To Know Before You Start A Blog

Today, anyone can start a blog in a couple of minutes. Basically, a blog is an effective marketing tools that can help you generate a good deal of money if done the right way. However, if you want to be good at it, know that you need to choose and walk on the right path. Given below are a few tips that you should know prior to going on this adventure.

It takes lots of time and effort

First of all, make sure you know why you are going to start a blog. What is your purpose? Do you want to start a blog just to make money online? If this is what you want out of your blog, know that it won't be the right path to take.

For earning money on the internet, blogging is one of the hardest methods. The reason is that writing blog posts on a regular basis takes a good deal of time and effort. It may cause disappointment if you publish something and no one reads it. Immediate results should not be expected.

Blogging is not free

Although you can choose Tumblr, Medium, Blogger and WordPress to host your blog for free, know that you will have to lack of control and a lot of limitations.

If you need a customized web address, more storage, better design and other features, you may want to opt for a self-hosted WordPress blog. The cost of domain and the hosting will be around $100 per year, which is not a big deal.

Choose your niche

Once you have decided to move on, you may want to choose a niche first. What you need to do is a choose that you are interested in. Aside from this, make sure that the one you are going to choose can help you stand yourself from the crowd as there are numerous blogs in each niche.

One important thing that you should do when choosing a niche is to define your audience first. Aside from this, you need to consider your concerns, interests and needs as well.


Content is King

If you want to maintain or raise your traffic, know that the content is really important. You don't have to publish tons of posts every day. One or two are enough, but make sure each post is high quality, which means it should offer something valuable to the readers.

If the readers are able to solve a problem by reading your posts, know that they will bookmark your pages and will get back again for more information.

Know basic SEO

If you have got the hang of basic SEO techniques, know that they can prove really effective in helping you get traffic for your blog. For growth, you need to get organic traffic for your web pages and SEO can help you do just that.

Conclusion

Nowadays, you can start your own blog within minutes. However, keep in mind that blogging may not work for everyone out there. Most new comers leave this field within a few days or weeks. At first, it will be harder to create content but you will get used to it with time. So, you have to have patience and wait for your blog to generate traffic and money.

Are you going to start your own blog? This can be a great idea provided you know how to start a blog the right way. The Blogging Buddha can help you with this.

Article Source: http://EzineArticles.com/expert/Shalini_Madhav/2396631
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Nuts and Bolts of How to Make Money Online - For Real

You see a gazillion emails everyday bombarding you for everything imaginable about making money online. How do you tell the difference between hype and ripe?

Well to start off, it has to be simple. You shouldn't have to create web pages, you shouldn't have to create capture pages, you shouldn't have to write auto-responder messages.

Everything should be done for you. Easy peasy, lemon squeezy.

It doesn't get any easier than this. All you have to do is learn to send traffic to a capture page to build your list so that you can follow-up and introduce them to you business flopportunity.

Get them from skeptical visitor to getting them engaged by sharing your story. (And everybody has one). Your job is not to sell them on the business, but to build a relationship with the people on your list.

Learn to be a Leader. Get out of the learning curve. Find a strategy that works and... Master It.

If you've never grown a business before, if you have zero business experience, no internet experience... you're in the right place at the right time because there is nowhere better to learn all this... and nowhere easier.

Don't get left behind - start your business online. It's very easy to be a leader in your own home business.

You're told... "We have everything here for you to help you develop the skills that you need to develop. You will learn how to turn those leads into members and to be the leader you want to be."

Helping other people to realize their dreams, helping other people to become healthier, helping other people to understand or find a solution to the problem they're having is pretty rewarding - pretty sweet, (and it helps that you're making big money).

That feeling is what you need to fall in love with. Fall in love with helping the people whom you introduce your business to. You need to put YOU into your business. Engage, Learn, Teach!

And here is a million dollar idea for you...

When you wake up in the morning the first thing you need to do is decide that you're going to have a GREAT day. Regardless of what went on yesterday, regardless of how good or how bad your results are, regardless of the amount (or lack of amount) is in your bank account, wake up and decide...

You're going to have a Great Day!

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.pureleverage.com/intellitech/314-2/
or:
http://www.Make-Money-Online-Finally.com

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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
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The Keys To Getting What You Want

I would like to let you know what qualifies me to mentor you. My name is Dr. Mark L. Huddleston. I started my exciting journey April 14th, 1998. I experience a quantum shift in paradigms. I went from disbelieving to believing. I went from being a pessimist to an optimist. Instead of seeing the glass half empty, I began to see the glass half full and opportunity all around me. I will never forget that day as long as I live. I remember waking up in a total panic. I remember that I was totally broke. I was bringing home $7,000 a month and my rent on my apartment was only $800 a month. After all my bills were paid I had over $5,000 to myself to spend, so why was I broke?

I had to do some soul searching. I had to try to make sense of what was happening in my life before it was too late. My health was failing me, and my mental state of mind was dwindling also. The only difference between me and millions of people from around the world was that I was facing my demons and trying to make sense out of doing so.

During my soul searching, I recognized that all people were given the number one power ever given to any animal on this planet. That power, is the power to choose. Even if you choose not to choose, you have made a choice to choose.

I found out in a few hours that I had no clue to what I wanted out of life. I also found out that I was supporting a bunch of freeloaders that lived in my apartment complex. I found that I was buying my so-called friends. I also found that I was the one initiating the contact all the time with those so-called friends. The only time they ever seemed to come around was then they wanted something. They never seemed to come around when they had money or anything of value. This was a wake-up call for me. I realized that I did not have any friends at all. Even the members of my family were scum. I recognized that I always initiated the contact with them also.

From that sunny day in April on, I would never be the same person that I presently was. I made a vow with God that I would change and be the best that I could possibly be in anything that I ventured into. From that sunny day in April I swore to become engaged in personal self-development.

I realize on that sunny in April that I lived in the greatest country on the planet and there was no reason why I should be in the predicament that I was in. I knew that there was something holding me back from my purpose on earth.

The first thing I did was to sit down and set some attainable goals. Then I had to come up with a list of things I wanted out of life. I concluded that if I wanted anything out of life I first had to know what I wanted. Not knowing what you want is like starting out on a trip without knowing your destination and what direction to travel in. Your chance of reaching an unknown destination in an unknown direction by driving on an unknown road for an unknown length of time is just plain absurd.

What is needed is you to have a destination in life. This would be your life goal. You need a target to aim at. How can you hit your target if you don't first take aim at it? That's like a blind man entering a skeet shooting contest and expecting to win. The reason why people fail is that they do not know what they truly want. So, they wander aimlessly through life looking for something that never materializes. They go around in circles, chasing their own tail, only to come back to where they first started. They think they're going up, when they're really sinking down.

So, the first thing you want to do is, find out what you want to do and make a plan to accomplish it. What is your end-game? Are you looking for happiness? Are you looking for love? Are you wanting to be successful? Do you want to be wealthy? What is it that you want? Just know, that you can have anything you desire, but you first have to know what you want before you can obtain it.

I found out that getting what you want in life can be as simple as making the right choices. You must decide what, when, and how you will go about getting what you want. Consciously or subconsciously, your mind is continuously confronted by the necessity of making choices. You must decide if you will do something or not. There is no such thing as not deciding. Even if you choose not to choose, you have made a choice. Choosing to do nothing is a choice which may well determine whether or not you get what you want, just ask anyone that has dropped out of school!

Always know that you cannot avoid the necessity of constantly making choices. If you try to avoid or delay making a choice, you are choosing to do nothing and that is a choice which can affect your life as much, or perhaps more, than deciding to do something. If you do nothing you are guaranteed to be nothing. If you do something, you are guaranteeing yourself the possibility of getting what you want. You must choose which action to take, which group to join, which cause to advocate, which job to take, which city to live in, and which life style you choose to live.

This article cannot make these decisions for you because these choices will have to be your own personal choices to make. This article gives you the knowledge to make you aware of your choices you make and the consequences that come along with the choices you make.

The last key to getting what you want would be self-development. You need to learn how to get what you want. If you don't know how to get what you want, you will never obtain it. I began to pick up every book I could get my hands on that interest me. I wanted more out of life, so I began to absorb anything and everything that I came in contact with.

I began getting mentored by some of the greatest minds in the world today. People like, Brian Tracy, Tony Robbins, Zig Ziglar, Les Brown, Jim Rohn, Robert Kiyosaki, Steven Covey, and Jack Canfield, just to name a few. Can you imagine being mentored by people like this? If you seek, you will find. Just know, when the student shows up, the teacher will appear.

I learned what the law of attraction can do for a person. I learned what you put out is what you receive back on most cases. This law stands true to this day. There are several elements that you may want to apply to your daily routine.

1. You will want to use the power of positivity to propel you into successful action and enable you to motivate others to act in your behalf to help you get what you want. Positive attitude is what ignites the soul and gives you the personal power to turn others on! Positive attitude will give you the lift you need to get what you want.

2. The methods shared with you in this article taught me about personal development which is the easiest, fastest, way to improve the quality of your life. Your friends, family, and the people that you know that you want to impress will noticed the positive change within you once you begin your personal improvement journey. Only through self-development can you earn, deserve and get what you want in life. Know that your rewards in life are in direct proportion to the services you provide.

3. Understand, that you cannot obtain the help and win the required cooperation of others by pressure or by force. Pressure creates resistance. Force creates enemies. And resistance and enemies are things you don't need in your life if you want to get what you want in life.

You can obtain the enthusiastic cooperation of others by using the power of self-development and the power of attraction to get others to do what you want them to do. So, right now you will want to get started. It is up to you and you only to create a positive boldness in your life. Once this begins to happen you will begin to radiate an enthusiastic aura from your being. You will begin to look like a success! You will begin to act like a success! You will begin to be successful by undertaking in the many things you will learn by investing in yourself.

I truly hope that this article has helped you. Helping others is what keeps me motivated and inspired. I believe that we all must motivate, inspire, and encourage others throughout our lives if we want the world to be a better placed to live. We must become that change we want in life. The reason why I feel you should read my articles over other people's articles would be that I write from true life happenings. I know without a doubt that if you were to follow the advice I share with you that your life will exponentially change. You can find more resources at http://www.drmarkhuddleston.com There is more helpful information in "The Manufacturing Of A Dream" and Eluding The Toxic Enemy within.

Article Source: http://EzineArticles.com/expert/Mark_Huddleston/2499373
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Five Simple Steps to Create Greater Success

Here are 5 simple steps to create greater success by managing our time and getting things done in business and life that are important.

We live in a busy world where our time, priorities and energy are constantly challenged so have a game plan to help...

EVALUATE. What do I really want? Where am I headed? What am I doing now?

GET REAL. What is really important that will impact and support your long-term goals the best? What is not important? What is distracting me? What is not really supporting my long-term goal?

PLAN. What do I need to do to accomplish my goal? What are the KEY action steps? How will I do this? What schedule or strategy will keep me focused?

FOCUS. Whom do you need to be and what structures do you need to have to accomplish this (mindset, attitude, accountability)?

MONITOR/EVALUATE. Am I doing little, unimportant things? Am I procrastinating? What is working/ what is not? How could I streamline what I am doing?

The key to the success of the idea is a plan. You know the saying, "If you fail to plan, you plan to fail." Take your idea, write a SMART goal on paper and create a plan from start to finish on how you will accomplish your goal. Then, decide if you have the time, energy, resources and desire to bring it to completion. Next, estimate HOW LONG each task will actually take. It is common to underestimate how much time each step will take and therefore it never gets done. Remember, if you are going to add something to your schedule, you must also plan to say "No!" to something else to make time to accomplish your goal.

Goal setting and accomplishment is not rocket science. The challenge is to maintain the discipline, focus, and clarity to implement these basic strategies. Evaluate your long-term goal, be realistic, plan, set structures for focus and have checkpoints to monitor. Invest your time in your plan and maintain the course once it is set. If you are serious about these goals, take action today. Ensure your success by developing an accountability system for yourself. Hire a coach as your strategic partner to run with you. Find a buddy in a similar situation.

Whatever it is, build environments to support your vision. Take the time to plan and design structures for success and you will see a difference!

Here's to you and your success! Have fun!

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Getting Targeted Traffic For Free

Getting targeted traffic for free is not as difficult as you may think. The most important thing is to make sure your free traffic is qualified and from good sources. Some of these sources will cost some money but many of them are going to be at no cost.

One of the best kinds of free traffic is when you use the search engines to help you.

Here are some excellent sources:

1. Traffic from local search engine pages - It is relatively easy to claim a local page for your business. If you add reasonable content and links to your main website, this is a super easy way to generate quick traffic that can convert for you. Best of all, if you have a local business you will be adding gravity to your local searches.

2. Build Multiple HubPages - These platforms are free to build and if you post high quality content, follow the rules and deliver for your readers, you can drive traffic from the search engines right to your main website. You will need to add ongoing content and remember to research and follow suggestions from top page creators so that you don't get banned.

3. Reverse Engineer Google Alerts - Google alerts is a fantastic tool for having content find you. By using long tailed keywords related to your niche, you can keep up with press releases, competitors, video, blogs and just about any kind of latest and greatest content that people are putting online. By following content streams to blogs based on your keywords, you can post responses to what people are looking for and answer their questions (For example Yahoo answers). These answers can have a link to your website or blog, thereby drawing traffic from the search engines.

4. YouTube Videos Posted Under High Trafficked Videos - YouTube is one of the best ways to generate free traffic that is also targeted. By finding one of the top trafficked videos in your niche and creating a video response to it, you can post your video and expect to receive a small percentage of its traffic on an ongoing basis. Anyone can create a video response and don't forget to add links to your website/ squeeze page in your description.

These are just some of the ways you can get free and targeted traffic. If you think about it free traffic is everywhere and you can find new sources of targeted traffic if you look for it.

Discover an endless supply of targeted website traffic that you can get for little or no money involved. Learn how to get "No Cost" targeted web traffic to all of your money sites in my Traffic Tips 101 training guide today! You have nothing to lose and a ton of "FREE" targeted website visitors to gain.

Your online reputation is the most important asset that your business has! Let us show you how to use your 5 Star Reputation to get more customers go to Truman Marketing and let us show you how!

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3 Simple Ways For Increasing Website Traffic

Increasing traffic to your website does not have to be done by a professional. This can be done by anyone who has a computer. When you get more traffic to your website you have more potential customers to show your products and services.

There are some easy methods to use that will contribute to acquiring more traffic for your site such as: utilizing search engines, choosing correct keywords, and having enough content to consistently direct traffic. These methods will slowly but surely draw more and more traffic to your website that will potentially make you more money.

Utilizing search engines can be a very significant way for your website to increase traffic. Building up a name in search engines will make it easier for people searching for whatever your website promotes to find it.

There is no point in having a website if no one can find it right?

So making sure your site is easily identifiable in major search engines like Google, Yahoo, and Bing will make it much easier to gain more viewers to your site. Increasing website traffic can be a rewarding experience financially.

Keywords are very important when you are looking to increase website traffic. Using strong highly used keywords and keyword phrases correctly can draw substantial traffic to your website. Keywords are words or a phrase of words that relates to the service or product you have on your site. These words represent exactly what the consumers are searching for.

For example, if your website specializes in auto repair for Ford manufactured cars a keyword would be mustang repairs. The best keywords are very specific and unique. Providing highly used keywords makes your site easier to find in major search engines.

Providing original content is the most important task you can do to increase website traffic. With content you have keywords and more keywords. As mentioned before the more keywords you have that are being used the more people will find your website. Using blogs and articles to drive traffic is a popular method.

This provides continuous original content that is related and informative which draws regular consumers. Successful websites will have great content that provides information without boring the reader. If you are not a writer, it is a good idea to look into outsourcing for articles. There are plenty of writers for hire who know how to create great original content.

These three methods can increase traffic to your website extremely fast. With consistent work, you can have a website that draws hundreds of viewers a day in no time. Your job is to have the product and provide ways for customers to get it.

Without views there will be no sales so be sure to update content daily to have the potential to draw more and more traffic. Having the necessary information in creating keywords will be the best way for you and your business to flourish. Keywords are a very important part of online businesses, be sure to do your research.

Discover an endless supply of targeted website traffic that you can get for little or no money involved. Learn how to get "No Cost" web traffic to all of your money sites in my Traffic Tips 101 training guide today! You have nothing to lose and a ton of "FREE" targeted website visitors to gain.

Your online reputation is the most important asset that your business has! Let us show you how to use your 5 Star Reputation to get more customers go to Truman Marketing and let us show you how!

Article Source: http://EzineArticles.com/expert/Joel_Gray/137609



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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

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Prosperity And Wealth Are Yours By Understanding The Law Of Abundance

Being grateful daily for simply one week is proven to have had advantages for aligning with the universal law of wealth and abundance by studies of psychologists.

Spiritual masters have actually understood and promoted gratitude for literally millennia for prosperity and abundance.

Personal transformation gurus also mention that how to attract wealth is through appreciation by being thankful for realizing your inner light of eternal being.

To attract money to you and other material pleasures is by being be grateful?

The easy answer is aligning with the law of abundance is to do the opposite of being unappreciative or feeling that you lack and that there is absolutely nothing to be grateful for.

There are always millions of needs to be grateful thus aligning oneself with the law of abundance, well-being, and overall peace of mind.

The principle of thankfulness is realizing your limitless abundant self and reflecting that prosperity mindset into your material world.

You can never lack things to be grateful for, since the real universe-- which is you from within where your true free will exists, never ceases to support you, even when it seems things are going wrong.

Things only appearing to be going in a wrong-minded direction is simply the real universe pointing out that your ego-based negativity is obscuring your inner Light of creation.

The Course in Miracles states, "The cornerstone of God's creation is you, for His thought system is light."

Why don't individuals get the lesson and continue to act as victims of an unjust and cruel world?

It is simply a valuable life lesson-- in appreciation.

Appreciation is not limited to winning in the stock market, or real estate values sky rocketing, and watching your bank account grow.

To be grateful can imply to realize that you have the power within you for how to attract wealth, today with exactly what you have within you at your inner core.

It's what the Course in Miracles terms, "Lights center."

Yes, the center of the light that you are!

I personally ensure that around you, right now, you have more than 25 to 35 things you could be grateful for.

Deciding to be appreciative triggers positive ideas and feelings and is how to attract money to you.

Can not you be grateful for the technology we have at our finger tips today?

How about having food on the table? What about clothes? Do you have any close acquaintances and friends and a loving family?

What if you could be appreciative for those things?

Previously we discussed more on when you think How to Change my Life, consider the law of attraction and its reflection principles

This is not a reason to beat yourself up, or a criticism that states you "ought to be" grateful. This can be disadvantageous.

Remember the old 'cliché' of our parents telling us when we were kids about all the starving people around the world when we wouldn't eat our vegetables? (I remember my little sister telling our Dad one evening at dinner, "Let's get their address and send them this terrible broccoli on my plate!)

That was funny, but my point is if anything it taught children to pack themselves beyond their physical need, worse yet created food addictions and obesity.

Exactly what this article is stating is that if you do select to be grateful, and you do have the power of the law of abundance.

It begins with the little things that possibly have been taken for granted, then increased prosperity and abundance in some capacity is in fact guaranteed if it is formed into a daily routine over the course, ideally of 21 days or more.

Begin being grateful today and start owning up to the universal law of abundance if you have ANY concerns in your life.

Start by jotting down in a journal every day for at least 21 days, and then onward, 7 things that you might be grateful for-- even if you feel there is absolutely nothing to be grateful for.

It will be like sowing a seed that will change your life for the better.

The Course in Miracles teaches, "Every idea has a purpose, and its purpose is always the natural outcome of what it is."

That said, begin a prosperity and abundance appreciation list of little and huge things that anybody could be grateful for, specifically when you are holding on to things which serves little sane or real purpose in order to just be cranky.

Yes, make a random list for you.

It is advised that you make your own list based on your goals and objectives. Beginning now, I mean in this instant, today.

Not later on. Not when you've remembered this article a few days from now, examined your email or anything else.

Now, put thankfulness into action and see exactly what it does for you.

One last thing we should consider, and say you've got an actually bad obstacle in your way that appears like it simply can not be fixed.

Maybe it's a longstanding health concern, or possibly you've been stuck in a self-created or "natural disaster" created monetary scenario that has been badgering you.

Sometimes, these apparently unfortunate occasions can be entirely turned around when trying to find the good in the situation.

Ask yourself: exactly what in this situation might teach me something, so I may move forward in life.

To a life of abundance and well-being!

http://jamesnussbaumer.com/my-blog/ Hi, I'm James Nussbaumer, I'd like to introduce myself through my thought provoking self-improvement and inspirational books, articles, and other content which are reflections of A Course in Miracles. I'm also offering you a Free version of my EVERYDAY MIRACLES newsletter, where you'll get updates on my weekly podcasts, videos, livestreams, other events and so much more, helping everyday people live life on their own terms. This is for folks who are interested in letting go of the past and attaining Real Abundance, Purpose, and Wellness in their lives. http://jamesnussbaumer.com/self-help-library/

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