This might sound like a pretty obvious and silly question BUT unless you are heavily invested emotionally, physically and financially you will struggle to succeed. Why?

Well, until you invest all your emotions, feelings and efforts into any project you are not fully engaged in making it a success. Just consider your relationships, hobbies and friendships. If your energy and emotions are not fully engaged then the results will not be as successful, fulfilling or rewarding as they could be.

Most people just cruise along in a comfort zone. They might wish they had more or better but that wish alone is not enough to spur them into action to change. As humans we get comfortable where we are at and moving out of this zone is something that can make most feel ‘uncomfortable’. We naturally pull back from moving out of our comfort zones and generally prefer the life and routine where things happen with a certain routine and predictability. When we do push ourselves our subconcious is screaming STOP stay here it’s ok it’s safe!

As we continue to push through the tension increases as does the level of discomfort, so do you throw in the towel or do you dig in your heels and become even more determined to move forwards? Entrepreneurs have the mindset that there is far more to be lost in not pushing these boundaries and in doing so they open themselves up to periods of huge growth. Entrepreneurs are willing to challenge themselves and to push their boundaries to the limits and beyond so that each time they do this they are redefined. They do not settle for being just ‘comfortable’ they know they are capable of more and accept and welcome the feelings of discomfort as a necessary part of growth. That’s not to say that this is an easy process because once you have stretched yourself way out of your comfort zone there can be an overwhelming desire to slide back to where you were. This is why this process is the one that separates the successful from the unsuccessful and by committing to change and following this commitment with massive action no matter what we will succeed. The level of financial commitment in a home based business will also determine your level of financial success providing of course that you have the other essential elements of good education, training, mentor and proven business model in place. Remember, there are none of the usual expenses such as rent, insurance, staff and inventory in a home based business so running costs are low once the initial start up has been paid. Profitability can be as high as 80% so it makes good business sense to be positioned as high as possible so that you can take full advantage of the compensation plan. This is the point where the feelings of financial discomfort begin to show. If positioning yourself at the top is a financial stretch just remember, the higher your level of ‘discomfort’ the higher your propensity for growth (both financial and personal). There is nothing quite like the prospect of financial failure or impending poverty to kick you up the ass and make you all the more determined to succeed. By pushing forwards through the pain and discomfort we reach a ‘snap’ point just like an elastic band reaching full stretch. This point is the make or break point that will sort out the ‘winner’ from the ‘losers’. Some will allow the recoil to bring them back to where they were and some will stretch it just that tiny bit further until it snaps. The ‘snap’ point is that moment when we realise all the pain, hardship and effort was worth it and we know that we can and will do it again. It is where we come out at the other side with totally redefined boundaries. We are a different stronger and more aware person than we were when we were cruising along in comfort zone. This characteristic is what makes entrepreneurs different, they constantly stretch and redefine their boundaries to new levels. Each time this happens their boundaries are redefined to new levels as they constantly make the seemingly impossible possible. Then they begin all over again because their new view and level begins bit by bit to stretch all over again.

About the Author

Brigitte Mehr is an Internet Marketing Education expert. She is owner and creator of http://www.BrigitteMehr.com/blog and http://www.thelifewewant.com

Post from: AmacamA

How Great Is Your Investment & Is It Enough?

Whether you want to follow the ways of the great financiers, the famous politicians, or the dynamic movie stars, there are common modes of behavior each of them followed. And in many cases, they have shared their secrets so YOU CAN FOLLOW THEIR FOOTSTEPS.

“If you wish to know the road up the mountain, ask the person who goes back and forth on it,” said the ancient sage, Zenrin.

What better way is there to know the secrets than to ask those who made it? What financial, business, career, mental, spiritual goals do you want to achieve? What amount of effort can you commit?

We always want more money for the extra things in our life; money to build business empire, or money to support our daily needs and pleasures.

Perhaps you’d like to take the risk to start something new in your life. You may want to open your own business, devote your energies to an artistic career such as acting, or reap the benefits of your yearly endeavors with fabulous vacations several times a year; What will bring you happiness?

The satisfaction of success takes many forms. Not only are people seeking financial fortunes, but also the proverbial goal of peace of mind.

What about your worries? You might be concerned about your health or your families, relatives or friends well-being. You may be anxious about the added expenses of education, medical bills, or the steady increase of cost of living.

There are ways out of the endless cycles of worry, stress and anxiety. Right now, you can rise above the whirl of survival to achieve the accomplishments you dream of!

When you are ‘for-real’, you are ready to put your whole effort into realizing your desired goals just like the rich, and that’s how they get to where they are which is of course, not a secret.

About the Author

N Hisyam writes about rich people secrets wistfully here: http://www.squidoo.com/rich-people-secrets

Post from: AmacamA

Secrets of the Rich: There are Actually ‘No-Secrets’ to Riches

We all find ourselves at certain points in our lives holding first class tickets to negative mental trains of thought. Michele Wahlder (MS, LPC, PCC), a two-time cancer survivor and Dallas, Texas-based Certified Life Coach and Psychotherapist, has placed thousands of people on the right track to self-empowerment via a plan she calls the 5 C Process. The journey challenges individuals to:

One

Clarify Current View – Where are you now- honestly?

Conscious awareness of your current view is the first step in becoming the best you can be. Getting clear about how your life aligns with your values, talents and unique gifts is vital to your happiness. You need to know where you are in order to learn where you want to go.

You can clarify your current view by completing a review of eight life areas. Be honest with yourself about how happy are you with your profession, finances, health and overall well-being, primary relationships, personal development, spirituality, environment, hobbies, etc.

Two

Connect with Your Highest Vision – Where do you want to be?

Example: A client of mine, a yoga instructor, decided she was happy teaching but wanted to contribute to the world on a larger level. She wasn’t happy with the quality of the yoga clothing that was accessible to her and her fellow yogis. Her vision was to design and create fun, hip and timeless yoga clothes using eco-conscious fabrics.

You have to get really clear about what you want. It is crucial that you connect to your highest vision of yourself because you can’t create it unless you are clear about what it looks like. If you don’t have a vision of where you want to go or what you want to be, you will most likely NOT get there. To quote Henrietta Klauser, “If you have a connection to what you want, take the next step and write it down.” If you don’t have any idea about what you want, or how you want to be in life to bring about greater happiness, begin looking through magazines and create a Vision Board/Collage of what attracts you. You may also want to consider getting an outside perspective from a friend or a professional coach. I take my clients through a guided imagery that gives them a glimpse of what their future could look like. There are also books that can help guide you. Just get help assessing your talents, divine gifts and abilities and then determine how you want to use them more fully in the world. We can’t help others as fully, if we are not aware of how we can best serve. So instead of thinking of it as selfish to engage in knowing yourself better, I would suggest you consider it selfish to hold back and not be the best you can be. Only in this way, can we help the world and others.

Three

Create Inspiring Goals – How will you get there?

Example: My client created a tiered plan of what needed to happen step by step – outer goal. All of this was influenced by her inner goal of keeping a measured pace and a balanced life. Her goal was to enjoy the process.

You have to create a plan and take specific actions to get you from where you are now to where you want to be. When most people write goals, they just write a list of action steps, usually external actions. I believe it is more powerful to have inner and outer goals. An outer goal is what you want. For instance, you might think, “I want a new house”. An inner goal is more focused on the how. How will a new home benefit me and my family? Will it offer more common gathering areas, a larger kitchen so that we can cook together, etc.? How can I appreciate what I have now until I get this home? How can I make this a joyful experience rather than a stressful one? If you can not be grateful for what you have now, then when you get a new home, it will only create very short-term happiness for you. Then, you will be focused on the next external illusion of happiness. For 2008, I suggest taking at least three of the life areas I mentioned earlier and jot down how you couldbenefit from living your highest vision in each area. Next, add action steps toward your desired achievements along with completion dates.

Four

Clear Obstacles – How will you remove obstacles in your way?

We all have dreams and visions for our life, but frankly, there are many things that can get in the way. The two most common obstacles I see with my clients are:

The inability to say NO— In order to bridge the gap from your current view to your highest vision, you have to make room for what “Could Be”. If your life is full and you want to add more of the things that are truly important in your life, you should start the change process by making room first. You must say no to some things in your life, so you can say yes to what is most important. You have to give up the destructive habits, behaviors and activities to make room for new ones.

A metaphor would be a water hose watering a flowering plant. The water in the hose is your life force and the flowering plant is what you are trying to grow in your life. If the water hose has leaks, it will not have enough water or life force/energy to reach its desired outcome or vision (to grow the plant into full bloom). Examples of leaks might include toxic friendships, unrealistic expectations, watching too much television, eating sugar, overspending, negative relational patterns with your spouse or working on an outdated job.

Example: A client’s obstacle here was that her 8- year-old daughter needed caring for and she was afraid she wouldn’t be able to be a good mother plus jumpstart a successful, new business. We remedied this issue by getting clear on the proper definition of a good mother. Also, practically speaking, she needed help picking up her daughter from school. So she got her husband to assist her in this area so she would have time to create this new business.

Negative self-talk—Research shows we have approximately 50,000 internal messages we say to ourselves daily. We are constantly walking around having conversations with ourselves. And it is what we say that makes all the difference in the overall quality of our lives.

Example: I was once in Starbucks, and I watched this woman spill her coffee while reaching for a sugar packet and I heard her say out loud, “I’m so stupid. I can’t believe I did that.”

Now, I just happen to hear her, but this is an example of something you might say internally as well. You might think, “No big deal. I say things like this to myself all the time.” Well, IT IS A BIG DEAL as our subconscious hears these messages and acts on them as if they were real. Don’t say anything to yourself that you wouldn’t want someone else saying to you.

Think of self-talk like mental fuel. Now, imagine filling your car with dirty water. We all know you wouldn’t get very far. Now, take that same car and fill it with high quality gasoline. You’ll most likely reach your destination. It is the same with people and the words we use. If the words are negative and toxic, we will sputter along with low energy and our performance suffers. If our words are positive and tender, we will feel confident, energized, encouraged and will most likely meet our goals faster and easier. Here are some key things to remember if you ever find yourself preparing to board the train of BAD self-talk:

B– stands for belittling self-talk. Stop telling yourself, “I am not good enough.” If your dream is to have a healthy self-confidence, which of the following examples is more likely to get your there:

A. “I’m so stupid. I can’t believe I did that.”

B. “Whoops, mistakes happen.”

Can you see how the Answer B is much kinder?

A – stands for awfulizing. Stop predicting a future filled with gloom and doom, and dwelling on scary thoughts. If you dream of obtaining a career you love, which of the following will move you closer to your vision:

A. “I did terribly on my interview, I’ll never find a job I like.”

B. “I will answer that question on past employment differently next time and I will ace it! I know I will one day have the job I love.”

Can you see how Answer B places you in the mindset of a successful job search?

D – stands for deceiving. This is when you deceive yourself into thinking you are a victim, and that other people are to blame for your circumstances. If we want a happy relationship which will of the below responses will aid in achieving this goal:

A. “If my spouse would only do more around the house, then I would be happy.”

B. “I can and will choose happiness today, no matter what my spouse does.”

Answer B is the right choice, wouldn’t you agree?

S – stands for shoulding – This is when you give yourself a lot of shoulds, musts, and ought tos, then beat yourself up for not living up to unrealistic standards. Say your dream is to be in top physical condition, which will further that:

A. “I should have eaten a salad for lunch instead of that big ol’ hamburger. I’m such a pig!”

B. “I could have eaten a salad, but I chose not to. Tomorrow I will make healthier choices.”

The second choice is so much more inspiring, don’t you think?

Five

Commit to Action – Are you willing to do what it takes?

The final step of the 5 C Process is to commit to action. How many times have we all made plans and never carried them out, or started off excited and lost motivation? No one ever does anything great alone. We all need encouragement and support from others including an accountability partner who is willing to help hold the vision of the person you want to be. In the previous example of my client, her biggest negative self-talk was how to be a good mom and a good business woman. Her thoughts were, “If I don’t pick up my child every day from school, I am a bad mother.” Instead, we replaced it with, “Picking up my child from school daily is not what makes me a good mother. I am, indeed, a fabulous mother.”

Here are the four action steps that have been proven to help you eliminate your negative self talk:

• Become aware of your negative messages –listen to voice in head

• Stop! You have to stop immediately if you find yourself dwelling on any negative thoughts

• Replace negative thoughts with a kinder alternatives

• Practice. It takes a commitment of time in order to turn a pattern of negative thinking into a more positive train of thought.

This interview was referenced by http://www.chinika.com. To learn more about Michele’s 5 C Process and her upcoming seminars, please call 214 -823-LIFE ( 5433), or visit her Web site at http://www.michelewahlder.com Once there, you will also be able to download a free workbook containing strategies on how to obtain a positive outlook on life.

Post from: AmacamA

I think I can. I think I can. Can I?

The more powerful a goal is, the more we will be naturally excited at the merer thought of achieving it. We won’t need to have constant reminders of why we are pursuing this particular goal, we will know this just by the feeling that we get when we can mentally see it being accomplished.

ALL GOALS CAN BE POWERFUL GOALS!

Every goal has the potential to be a life changing thing. Losing 20 pounds of excess fat now can lead to a healthier life and a longer life longevity for you and you will get to experience more and more things in your life. Running your own business may help you to get rich. Or you may be able to employ a family member who is in desperate need of a job and therefore be changing their life as well.

You must set powerful goals if you want your life to change. You must make sure that the mere thought of actually attaining this particular goals gets you so excited, you feel like a kid again. Or that it makes you feel like you are on top of the world!

Don’t you want to feel this way?

Learn how to attract love, money, or happiness or all three in YOUR LIFE NOW! Go to http://www.successfulfather.com and SIGN up for the FREE newsletter and BOOKMARK the site and return as often as you can!

You can attract the life that you truly desire! All you have to do is learn HOW!

Law of Attraction Secrets

Bryan Appleton is an investor/entrepreneuer who has dedicated himself to teaching others how to achieve their dream life. He is also a proud single father with one son.

You can publish this article as long as you leave it intact and in full as well as keeping the url link clickable.

Article Source: http://EzineArticles.com/?expert=Bryan_Appleton http://EzineArticles.com/?How-to-Set-Powerful-Goals&id=1871691

Post from: AmacamA

How to Set Powerful Goals

I can’t stress this enough!

You need to get the right information, understand that information and then consistently and persistently apply that information. It follows the saying that knowledge is not power, applied knowledge is power.

Truthfully it’s easier said then done and we know this to be true because success seems to elude about 90 – 95% of the population.

We struggle and we fight and we resist and we give up, simply because we don’t have a clear understanding of what is required to reach our goals.

Inner strength is a key component to winning in life and we are all capable of utilizing this strength however many of us have forgotten how to access it.

We can all remember occasions when we have been taken out and fallen of track and we need to be able to reset ourselves to get back on purpose and one of the ways to do this is ask yourself, “what do a I want?”. That’s it, that all you need to do to bring yourself back on purpose, what do you really want?

Are you sick and tired of being sick and tired? That’s usually the point that triggers change in people. It’s when the pain of defeat and failure hurt more than the risk of the unknown.

It’s when we get miserably uncomfortable with where we are now that some light bulb switches on and we are motivated to change.

But the kicker is….. we don’t have to wait to hit rock bottom in order to improve our lives now, we can choose to rocket forward with our ambitions and take positive steps forward and not wait until we have no other option (although that is one way to ensure you do make forward movement because there is no other direction to go).

Write down what it is you want to accomplish and then formulate a plan of action for achieving it. Challenge yourself and then stick to the plan. Don’t let yourself become distracted by the many other thoughts that fly through your mind, get clear and focus. It helps to review your plan daily.

Create a winning mindset for yourself, collect information that inspires you, get a clear understanding of this knowledge and apply it. In addition, do not be fearful of what others will think of you and surround yourself with supportive people. Having a strong supportive team around you will dramatically propel you forward and often much quicker than if you were alone.

In sum, the world has enough victims, what it needs is leaders and it starts by us as individuals leading ourselves to our own successes and aspirations.

D. Paul Walmsley Is a Success Rhino in that it requires an individual to have pretty tough skin to thrive as an entrepreneur and charge towards you goals. Find out the seven principles required for personal success in this FREE report titled “Unlocking The Success Code” @ http://www.inspiredtobewealthy.com

Article Source: http://EzineArticles.com/?expert=D._Paul_Walmsley

Post from: AmacamA

Ultimate Success Mindset

I. Think & Feel Positive – The less stress we have on a daily basis the more we are able to make decisions that lead to successful results. One has the start with the way we think and feel about things we deal with in our lives. Remember to always take care of your mental health so that your mind is clear and free of negative thinking that will lead to bad decisions making. Maintaining a healthy mind set will also lead to better physical health.

A. Starting your day with a positive attitude – It is important to always be positive before getting into anything you plan or not for the day. Being positive always helps you maintain focused, motivated and full of energy towards carrying out your goals. Staring your day with a positive attitude will also help you maintain calm if and when things get stressful.

B. Be realistic with yourself – Know that part of planning something is also expecting things not to go as planned. Learn from your mistakes and move on. This skill is useful when managing one’s finances, as you will learn to better handle the situation.

C. Learn to relax – always make time to relax your mind & body as much as possible. 5-30 minutes 3-5x per week engaging in to whatever activity you find relaxing will help you maintain good mental health. Being able to maintain calm when making financial decisions will always be a benefit for you!

D. Have confidence in yourself – If you do not believe you can do something there is no point in doing it at all. So make sure you have enough confidence to trust your decisions especially with your finances as this will help you reach the financial success you desire.

II. Feel Good, Look Good – It is also important to remember that image isn’t everything, but it is also true that working on your physical appearance is a positive first step in working on to have a successful financial life.

A. Eating & Drinking Right – We’re not saying that you need to be a health nut, but it is important for you to be involve in a healthy eating program that will help prolong your life. After all, the longer you live, the longer you can enjoy your financial success.

B. Activities & Exercise – Once again we’re saying that you need to be a on some extreme exercise program, but you should involve yourself in activities that will help

C. Skin, Hair & Nails – You don’t need any big budget makeovers or it doesn’t matter if you like to experiment with different styles and colors, but keeping yourself well groomed is a basic organizational skill that will help you get use to having your financial life organized.

D. Clothes, Shoes & Accessories – Try to be a smart shopper & spend your money wisely. There are always sales throughout the year that one can benefit from. Always have a budget and limit of what you can afford to avoid overspending. Shopping at big department stores always helps to find good prices.

III. Inform, Protect & Invest in Yourself

A. Inform Yourself – Knowing and understanding what you are getting into always makes it easier for you to do. Your level of stress will also be under control.

1.You must want financial success- No one can force you into wanting to be financially successful. You have to want it and you have to work to be financially successful. Having a clear picture of what you are setting out for always makes it easier to accomplish.

a. Be in control – If YOU want to be financially successful, YOU must do the research and only you can make the best decision for YOURSELF.

b. Don’t be afraid of money – You are in charge. You make the money. You don’t have to do anything you don’t want to do. Before you make a decision make sure it is the best decision.

c. Be a hustler, not a customer – Don’t believe anything until you see it. Don’t believe everything you see. If your going to do business with a company or a person you should try to know as much as that company or person in the business your getting into.

2.Knowledge is Power- Know what you owe and where you can make some money. The more you know the better prepared you are as you will have less questions about whatever information you need.

a. It’s ok to say, “I don’t know, but I’m going to try to find out.”

b. Try to get as much details as you can before making a decision

c. Try to carefully review and fully understand your details before making a decision

3. Assets = Liabilities + Owners’ Equity – Assets are the value of “equity” plus “liabilities.” The term “equity” describes the value of the things you own and the term “liability” describes the value of a present obligation you owe.

a. Acquire as many assets as possible – It is important to remember to in order to be financially successful you have to acquire as many assets as possible. You must keep liabilities at a minimum because many times the interest rates on your liabilities can eat away at the value of your equity.

b. Liabilities acting as assets – It is also very important to be aware of the liabilities that act as assets. Many times people see buying a new home as increasing their asset value. But the reality is that your asset value can somewhat still be the same since your home is an increase in equity and the mortgage loan you used to get the home is an increase in your liability. So be aware that acquiring thing is not always an increase in your asset value.

c. Assets as Income – Many times you can find assets that can be a great source of income. It is very important to remember that some liabilities act as assets when you are looking for an asset that can make you income.

B. Protect Yourself – Remember it is very important that you are financially protected. Always consider how you are benefiting & protecting your from the results of the decision you are making. Take your time to think things through and select the best services based mostly on the benefits it will provide you.

1.Will & Testament – A Will gives you full control over such issues as who gets your property, who will be the guardian of your children, who will manage your estate upon your death, who will inherit assets that you haven’t left to anyone else and other issues relating to the management and distribution of your estate. The importance of a Will cannot be understated. A Will is perhaps the most important legal document the average person will ever have.

2.Savings/Checking Accounts & CDs – If you need a safe place to keep money, a bank account is often the best choice. Banks offer different kinds of accounts for different purposes. With a Savings and Checking account you can put your money in a safe place and still have easy access to it in case you need it. With a Checking Account your even giving checks so you can pay other people with the money you put in your bank account. A CD or Cash Deposit is the same but with a CD you actually let the bank hold a certain amount of your money for a certain period of time.

3.Life & Health Insurance – Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the policy owner’s death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals. Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Market-based health care systems such as that in the United States rely primarily on private health insurance.

4.Auto & Home Insurance – Vehicle insurance (or auto insurance, car insurance, motor insurance) is insurance people can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents. An insurance company may declare a vehicle totally destroyed (‘totaled’ or ‘a write-off’) if it appears replacement would be cheaper than repair. Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

C. Invest Yourself – Looking to invest your money properly is knowing how to protect you and your family. Use your knowledge and act now so that you can benefit now and in the future. Find out what services are best for you. Take time to know what you can and are getting yourself into. Don’t be afraid to ask questions no matter how stupid you think they may be and take time to get those questions you have answered.

1.Traditional & Roth IRAs – A traditional IRA is an individual retirement account (IRA) in the United States. The IRA is held at a custodian such as a bank or brokerage, and may be invested in anything that the custodian allows (for instance, a bank may allow certificates of deposit, and a brokerage may allow stocks and mutual funds). Unlike the Roth IRA, the only criterion for being eligible to contribute to a Traditional IRA is sufficient income to make the contribution. However, the best provision of a Traditional IRA – the tax-deductibility of contributions – has strict eligibility requirements based on income, filing status, and availability of other retirement plans (mandated by the Internal Revenue Service). Transactions in the account, including interest, dividends, and capital gains, are not subject to tax while still in the account, but upon withdrawal from the account, withdrawals are subject to federal income tax (see below for details). This is in contrast to a Roth IRA, in which contributions are never tax-deductible, but qualified withdrawals are tax-free. The traditional IRA also has more restrictions on withdrawals than a Roth IRA. With both types of IRA, transactions inside the account (including capital gains, dividends, and interest) incur no tax liability. Here is a 401(k) versus IRA matrix that compares various types of IRAs with various types of 401(k)s. A Roth IRA is an individual retirement account (IRA) allowed under the tax law of the United States. Named for its chief legislative sponsor, U.S. Senator William V. Roth Jr. of Delaware, a Roth IRA differs in several significant ways from other IRAs.

2.Stocks, Bonds & Mutual Funds – A stock is the capital raised by a corporation or joint-stock company through the issuance and distribution of shares. A person or organization which holds at least a partial share of stocks is called a shareholder. The aggregate value of a corporation’s issued shares is its market capitalization. A bond is a debt security, in which the authorized issuer owes the holders a debt and is obliged to repay the principal and interest (the coupon) at a later date, termed maturity. Other stipulations may also be attached to the bond issue, such as the obligation for the issuer to provide certain information to the bondholder, or limitations on the behavior of the issuer. Bonds are generally issued for a fixed term (the maturity) longer than ten years. U.S Treasury securities issue debt with life of ten years or more, which is a bond. New debt between one year and ten years is a note, and new debt less than a year is a bill. A mutual fund is a form of collective investment that pools money from many investors and invests their money in stocks, bonds, short-term money market instruments, and/or other securities. In a mutual fund, the fund manager trades the fund’s underlying securities, realizing capital gains or losses, and collects the dividend or interest income. The investment proceeds are then passed along to the individual investors. The value of a share of the mutual fund, known as the net asset value per share (NAV), is calculated daily based on the total value of the fund divided by the number of shares currently issued and outstanding.

3.Independent Businesses – In business, an independent business as a term of distinction generally refers to privately owned companies (as opposed to those companies owned publicly through a distribution of shares on the market). Independent businesses most commonly take the form of sole-proprietorships. “Independent” is frequently used to distinguish one-of-a-kind businesses from corporate chains, indeed dozens of communities have organized Independent Business Alliances to help distinguish independent businesses from chains. Other terms of distinction used in addition to independent businesses include small business, locally owned business and startup business, which have varying subtleties of distinction.

4.Real Estate – Real estate or immovable property is a legal term (in some jurisdictions) that encompasses land along with anything permanently affixed to the land, such as buildings. Real estate (immovable property) is often considered synonymous with real property (also sometimes called realty), in contrast with personal property (also sometimes called chattel or personality). However, for technical purposes, some people prefer to distinguish real estate, referring to the land and fixtures themselves, from real property, referring to ownership rights over real estate.
IV. Other People’s Money – Always remember lines of credit are not paychecks. A line of credit is money that must be paid back with interest. You must always be aware of the real numbers in the deal you are getting into so that when you borrow money you are comfortable with the payment options that are available to you.

A. Credit Card – A credit card is a system of payment named after the small plastic card issued to users of the system. A credit card is different from a debit card in that it does not remove money from the user’s account after every transaction. In the case of credit cards, the issuer lends money to the consumer (or the user). It is also different from a charge card (though this name is sometimes used by the public to describe credit cards), which requires the balance to be paid in full each month. In contrast, a credit card allows the consumer to ‘revolve’ their balance, at the cost of having interest charged. Most credit cards are the same shape and size, as specified by the ISO 7810 standard.

B. Auto Loan – In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.

C. Home loan – A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security – a lien on the title to the house – until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

D. Debt Management Plan – A Debt Management Plan (DMP) is a method used in various countries for paying personal unsecured debts (which typically have gotten out of control in the sense of payments due taking too large a portion of income, or even exceeding it) that involves cataloguing all the debts, assessing income and budget, and re-negotiating interest rates and payments with the lenders, based upon evidence that the result will be a higher likelihood of collection by the lenders. A third party group typically manages a DMP. There are two types of DMPs. The first type is a fair disbursement of available funds from the debtor to their creditors based on a percentage of debt. For example, if a debtor has 100 monetary units available each month for debt repayment and Creditor A is 25% of his overall debt and creditor B is 75% of his overall debt then Creditor A would receive a fair and balance percentage of available fund. In this case Creditor A would receive 25 and Creditor B would receive 75. Typically the debtor pays the group managing this for them for their service. The second type of DMP is typically run by consumer credit counseling service groups that are funded by creditors to collect and distribute money. In this model, repayment plans are developed by creditors telling the groups what the creditor requirement is and rewarding the group by paying them a percentage of funds collected from debtors and sent to creditors.

Log onto http://www.kasamba.com/tamara-a-monell for expert advice from a licensed mental health professional.

Article Source: http://EzineArticles.com/?expert=Tamara_Monell http://EzineArticles.com/?Guide-to-Financial-Success&id=82725

Post from: AmacamA

Guide to Financial Success

What do I mean by this? If you do not have the knowledge and skill it takes to understand money making opportunities, you will not become wealthy. Case in point, while growing up in rural North Carolina, both of my parents worked at the same tobacco factory.

My parents did not earn a lot of money working for a tobacco company, however they were smart people and started a small family grocery store. The fact my parents had the courage to start their own business was revolutionary for the times because they did not have a lot of money.

Interesting when you think about it because my parents worked for the same tobacco company for 28 and 27 years respectively. Their family grocery store operated for over 20 years up until their retirement.

My foundational blueprint for entrepreneurship began at the tender young age of 10. My father wanted me in the family business and I became the stock boy, in other words I had to stock the shelves with all kinds of canned goods, sodas, cheese, ice cream, cigarettes, and just about anything large grocery stores sold.

Over time I learned how to manage the cash register and work with a variety of vendors who we purchased products from. Not bad for a kid learning the ropes.

I acquired entrepreneurial knowledge and skills which is probably why I majored in business while attending in college. To help you understand my journey, my wealth building training began at the tender age of 10 as well.

By the time I graduated from high school and attended college, I was well aware of business and how to create wealth. Unfortunately college teaches you how to learn, not how to generate wealth.

I learned how to generate wealth by investing in seminars and training from millionaires, participating in mastermind groups and by reading books. I learned how to invest in real estate, stocks and bonds, obtain government grants, build corporate credit, and establish a not for profit 501 (c)(3) that train children and youth to become financially literate.

So how do you become wealthy? Acquire specialized knowledge and skills through lifelong learning and take the all important action step because the combination results in wealth creation.

I would not be wealthy today were it not for my ability to understand real estate investing. Mind you I paid too much for my first investment property, but through specialized knowledge I learned how to hire a good property management company to find tenants to put in my property for over 18 years.

The tenants paid off my mortgage for me and I own the properties free and clear. All of my success is the result of knowledge and skill.

Today I own Pinnacle Real Estate Investments LLC, investment properties and is a philanthropist. My parents would be proud of me because they are the two people most responsible for my success in life.

Were it not for the vision and trust my parents placed in me to managed their business, i would not have been as successful. I highly recommend you acquire knowledge and skills to secure wealth in your lifetime.

As Founder and CEO of the Wealth Building Academy, i want you to know I will be hosting a “Real Estate Boot Camp” on December 1-2, 2007 in Maryland. I am collaborating with two other real estate experts to teach people how to make $20k to $30k per month, part time, in their own backyard.

Items we will cover:

Obtain government grants to purchase real estate
Asset protection
Partnering to purchase apartments
Lease options
Short sales
Pre-construction

As an extra bonus one of our partners will provide legal advice on any subject for FREE. My 2-Day “Real Estate Boot Camp” only costs $200.

Why so low? We will be recording the program and can afford to offer the program for $200, however the first 50 people to sign up by November 15th will only have to pay $100.

People attending my real estate boot camp will acquire knowledge and skills to help them become financially independent. What are you waiting for, sign up today!

Register by calling the Wealth Building Academy at :(866) 337-2026 by email: [mailto:paul@paullawrencevann.com]paul@paullawrencevann.com, or visit the website below.

Paul Lawrence Vann is Founder and CEO of the Wealth Building Academy. His company helps people learn how to make more money, save more money, and understand success principles leading to living a higher quality of life. Wealth Building Academy staff delivers real estate boot camps, seminars, training, coaching, and information products. [http://www.paullawrencevann.com]http://www.paullawrencevann.com, [http://www.livingonhigherground.com]http://www.livingonhigherground.com, [http://pvann.blogspot.com]http://pvann.blogspot.com, (866) 337-2026.

Article Source: http://EzineArticles.com/?expert=Paul_Vann http://EzineArticles.com/?One-of-the-Biggest-Reasons-People-Fail-to-Become-Wealthy-is-Because-of-a-Lack-of-Knowledge-and-Skill&id=82872

Post from: AmacamA

One of the Biggest Reasons People Fail to Become Wealthy is Because of a Lack of Knowledge and Skill

In order to get the winning edge, we need to strive for excellence, not perfection. Striving for perfection is neurotic; striving for excellence is progress, because there is nothing that can’t be done better or improved.All that we need is a little edge.

The will to win and the will to achieve go dry and arid without constant reinforcement. Throughout history, winners and heroes have experienced periods in their lives that could be described as their desert experiences, when they’ve been confused and discouraged. Why, therefore, does it come as a surprise to us when we experience similar times in our lives? Times that are dry and arid, when we feel discouraged, times of stress when events in our lives are taking place so fast that we don’t know the questions, much less the answers

These following four self directed keys will give you an edge in winner’s attitude.

Positive self-awareness. You can learn to live without limitations. Limits are physical boundaries, but imitations are psychological barriers, such as feeling unworthy of material success or happiness. So, avoid judging yourself against the fantasies presented by television commercials and motion pictures. Reality says you have the potential to become infinitely more than you are now.

Positive self-esteem. You want to say, “I like myself. I’d rather be me than anyone else in the world.” With positive self-talk, you can have a strong sense of self-worth, regardless of your status. Instead of comparing yourself to others, view yourself in terms of your own abilities, interests, and goals.

Positive self-determination. Losers let it happen. Winners make it happen. Life is a do it yourself project. Whatever you give credence to in your thinking will likely come to pass. Learn to develop two critical capabilities: the ability to live with uncertainty, and the ability to delay immediate gratification in favor of long-range goals. Losers try to escape from their fears with activities that are tension relieving. Winners are motivated by their desires toward activities that are goal achieving.

Positive self-talk. Positive self-talk, before and after performance, is an important key to the permanent enhancement of self-esteem and goal achievement. Our self-image has been built by our own belief and thoughts about ourselves. Become aware of your silent conversation. You are constantly judging and prejudging every action. Your self- talk is creating your self-image and your goals. The most important briefings, meetings and conversations you’ll ever have are the ones you’ll have yourself. It isn’t enough to want success. It’s not enough to plan it. It’s not enough to act on it. You must think it, see it, and say it – every minute of your life. http://bharavis.blogspot.com/

Article Source: http://EzineArticles.com/?expert=Bharavi_Reddy http://EzineArticles.com/?The-Winners-Attitude&id=82394

Post from: AmacamA

The Winner’s Attitude

After deducting the “necessities” from the average person’s day-to-day routine, most people honestly have an average of something like 2 hours and 42 minutes per day with which you have to work to change your life for the better.

If you don’t believe me see my other articles on this subject, or take the challenge yourself and get really disciplined for one month in recording your time expenditures.

I hope you do, and I hope you find that all your free time is going to improve your lifestyle and help achieve your goals.

But for most people, they simply must use their discretionary time more intelligently than many of the activities that are popular to spend your “free” time doing— activities that add NOTHING of value to a life. And, if these people care… if they truly care… about improving their lifestyle and achieving their goals…

This Has Got To Stop!

So, what comes first? What’s the action plan for getting every second chance out of every minute we’ve got?

I’m gonna tell you what I think, and what works for me (usually anyway!) but, before I do, I want to make an important observation: Many people hate it when I write stuff like this. They think I’m judging them, or else they think this type of information is not as usable or tangible as the hard-hitting techniques I usually write.

That’s crap. These readers don’t want to get the fundamentals right… no… they want to skip right to the “details” or the “magic formula”. But, listen up: your life is already filled with details, tons of them, to the point that your mental file cabinet is tossing out more information EVERYDAY for lack of use or need than your computer could ever hold…and, of all these details, NONE are doing a darn thing to enhance your life.

Unless you’re clear on the basics, the details just pour over the cup.

Here’s something else: Success in life or in business isn’t necessarily complicated. I honestly think it can be and should be simple. The real answers are, really, so simple… they are almost corny. But “simple” is like Forrest Gump’s momma said: “Simple is as simple does”. Simple does NOT by any means mean “easy”. Running an ultra marathon over broken pavement in the scorching heat of Death Valley is very simple. All you have to do is keep putting one foot in front of the other for 50+ miles.

Simple as can be. Difficult beyond reason.

I want something for you, something kinda big. I want this year, starting TODAY, to be absolutely special for you. I want you to achieve more this year than you have achieved in all the previous years of your life. Of course, that means you’ve got a lot of “details” to attend to in the coming 365 days… but to really achieve something of note… you’ve got to attend to the right details.

In order for this to be that year for you…we need to get this in pinpoint-specific focus for you. Let’s see if I can get a commitment from you. Just for approximately the next 30-days. Just from the time you read this letter and the time your calendar pops up “Finally Done!” 30 days from today. I’m not gonna lie. This is gonna be SIMPLE. In fact, it could even be EASY. But for some of you…you just won’t do it regardless of how much you realize it could benefit you greatly.

Oh well. I’m throwing it out there for everyone anyway.

This commitment will cost you maybe 20 or 30 bucks and will likely take less than five minutes of your time for each of the next 30-days.

Here’s all I’m gonna ask you to do: Go to a local drug store, a Radio Shack or wherever and get yourself one of those cheap micro cassette recorders and 30 of those little micro cassettes. You’re welcome to get a digital voice recorder and pay more (they’ve got some awesome features), but that’s not necessary.

Keep your recorder with you at all times during this month experiment and use one micro cassette each day to keep a running “time log.” Use it approximately once every hour of your day to take a quick bearing on how you spent the preceding hour. Your audio entries should only take a few seconds each.

They should sound something like this:

“7:15 to 7:50:” Drove to office.
“7:50 to 8:40:” Breakfast and newspaper
“8:40 to 9:30:” Returned work emails from coworkers about upcoming project
Etc., etc., etc.

That’s it.

That’s all I want you to do. I know, I know. You’re already twelve steps ahead of me. In fact, you’re ready to graduate without taking any tests because “you already know what this is all about”.

Think you already know the basis of my evil convoluted scheme to change your life for the better?

Baloney.

You don’t have a clue. Please just trust me on this. All you’ve possibly got on the line to lose is $20 or $30 and a couple or three hours out of one lousy month.

Flip the coin over and all you’ve got to possibly gain is everything you’ve ever wanted to achieve in this life.

Think I’m exaggerating? Think again. Look, stop thinking you’re so darn sophisticated. So darn smart. So far above doing a simple exercise like this. Let me tell you something…

Knowledge is not power.

APPLIED knowledge is power.

Until you’re applying this, you don’t ‘know’ a darn thing!

I didn’t…

About the Author: Visit America’s #1 Real Estate Network now and join a prosperity network and attract abundance by investing in real estate today. Some people own their time…do you? Come learn more today at no cost with the team at www.homeinvestingsolution.com

Article from: http://www.easyarticles.com/article-90388.htm

Post from: AmacamA

Master Time: Improve your Lifestyle and Achieve your Goals

These times are always amongst my favourite times of the year, reminding me of what I work so hard for the rest of the time… to learn, explore and discover with my family.

On a recent trip, I took my family to the Chiang Mai region in Northern Thailand, where mountains, jungle and amazing rivers combine to create a fantastic backdrop of colours, sights and sounds.

A true feast for the senses!

While we were there, we took an elephant jungle trek tour that allowed us an ‘elephants’ eye view of the jungle as we waded rivers, climbed hills and descended into deep valleys and gullies.

It was an amazing experience to see my children first fearful, then a little more relaxed and then outright excited and thrilled to be privileged enough to share this experience with the largest land mammal on the planet.

During one of our short stops to feed and reward the elephants with a handful of bananas and sugar cane, I noticed that the Mahout(elephant handler) simply popped a small rope on a stick into the ground and tied the elephant to it and walked off, leaving us on the elephant alone.

As I looked at the stick I wondered what foolishness must be going through this little man’s mind.

I mean, here we were, sitting on this huge mountain of muscle and raw power and the little fellow had hitched the thing to a really thin piece of rope that was tied to a stick no thicker than my thumb!

I fully expected the elephant to (in elephant-speak) laugh at this puny little thing, pull it out of the ground and walk off with my son Connor and I into the jungle never to be seen again.

But that didn’t happen.

The elephant didn’t walk off.

It didn’t even TRY to pull the stick from the ground.

It stayed exactly where it was waiting to be ‘released’ from its bondage.

When I got back to the camp, I asked the mahout about this and he explained a concept that had totally blown me away at the time, and still does to this day.

He told me “We train the elephants when they are very young by using thicker ropes and heavy beams or tree trunks. When the young elephant pulls, it is pulling against an immovable object and so soon tires and gives up.

Eventually, over a short time (and several smaller trees and sticks), the elephant stops pulling altogether, believing that the attempt is futile and will always end in failure.

It merely gives up.”

As a performance coach I couldn’t help thinking of many clients I’d worked with who were doing exactly the same thing in their lives.

People who were trained when young about what was possible and what was not when they were too weak to pull against these ideas and release themselves to being successful.

Now they’re all grown up, they’re like the elephant, unwilling to try because they’re so sure it’ll end in failure that they don’t even bother.

It made me think about about all the times I’d quit in the past and all of the people who write in to tell me of their own decision to do the same.

Everyone’s got goals, dreams and aspirations that they’ve have left by the wayside because some well-meaning friend or loved one told them ‘would only end in heartache and failure, so why bother?’ right?

Dreams that someone said were ‘silly’ or ‘childish’ or ‘unrealistic’.

But what if they’re not any of these things?

What if, just like this big, beautiful yet dumb creature we’ve have been conditioned to believe something that is totally and utterly untrue?

What if, just like the elephant, we could literally rip up the chains that are holding us down and walk off into our own jungle of success and happiness…if only we had the courage to pull, and keep on pulling in order to bring about the things we want?

We can you know!

Many, many people who once led lives of total and utter desperation now live lives that most of us would consider pure fantasy with houses, planes, boats, cars, money and above all, happiness that would never have been theirs if they hadn’t ‘pulled against the rope’ that was telling them they couldn’t possibly win.

You CAN, but will you?

Will you write that book that the small voice inside of you tells you that no-one will ever read?

Will you take that trip to those places you always dreamed of but that your wallet tells you that you can’t afford?

Will you finally lose that weight or shift that body fat that your ‘slow metabolism’ insists won’t go?

Will you buy that house, start that business, learn that language…..?

I could go on all day, but in the end, when all’s said and done, it’s you and ONLY you who can pull the stick from the ground and break free.

No-one is going to do it for you.

No-one CAN do it for you.

You, and only you have the power to do this.

Start TODAY!

(Please don’t send me any hate mail. I am not an elephant hater. On the contrary, I love and respect them. ‘Dumb’ only refers to their inability to recognise and use the awesome power that they have, yet aren’t using. : )
Dax Moy is a lifestyle coach and master personal trainer with studios in and around London. Voted one of the UK’s leading health and fitness experts, Dax is a regular guest on television, radio and in print media as well as being a speaker at numerous conferences and seminars related to the achievement of goals. You can read more of Dax’s unique perspective on goal achievement and personal success by visiting www.themagichundred.com

Post from: AmacamA

What Can A 3 Ton Elephant Teach You About Achieving Your Goals?