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How to Get a Grip on Your Money

Most people have no idea where their money goes. They earn it and they
spend it.

That's fine if you want to live from week to week and are not concerned
about your financial future. However if you want to increase your wealth
and have more options, action needs to be taken by you otherwise you
could end up like most people further down the track, totally dependant
on a pension.

Karen's Story

Karen is the Marketing Manager for a well-known organisation. She's 39
yrs old, single and earns over $80k a year. She is paying off a mortgage
and that's all the debt she has.

Karen buys whatever she likes and says she has more than enough money for
her lifestyle…or so she thought. And that's a very important point -
Karen 'thought' she had plenty of money to splash around yet she had no
real idea of where it went.

She was at the stage where she wanted to achieve more in her life
including taking charge of her financial future.

One of the exercises I gave her to do was to sort all her financial
statements - visa card, bank accounts and any cash receipts and list her
income and expenditure under specific headings ie: loans, clothing,
utilities, food etc. Karen recorded everything that occurred for the past
6 months . She nearly fainted when she saw how much money she had wasted
and how much she was overspending! She was going backwards fast and only
realised it by doing this simple exercise.

In the past Karen hadn't put a high priority on her financial well-being
as it was just too hard. Being a marketing manager, her life was busy at
work and she had a hectic social life. She didn't want to bother doing
something that wasn't exciting like working on her financial future.
After all, she had a well-paid job, didn't she?

Karen has now come to her senses and knows her true financial situation.
If she lost her job, financially she couldn't afford to be off work for
more than a month. She realises that she is responsible for her future.

The area of wealth creation hadn't been of great interest to Karen in the
past. Now that she was undertaking coaching, she was serious to making a
change. Prior to writing down where her money was going, Karen was
completely closed to any suggestion to read more about how she can
accelerate her wealth (or lack of it), so I didn't pursue this with her.
Her attitude had now changed so she was ready and willing to move to the
next step.

The next move…I referred Karen to an organisation who would look at her
total financial picture and be able to recommend what she could do. The
reason I chose these people is because they take a holistic approach to
wealth creation. They look at every aspect and provide an on-going
education as well as a hand-holding service.

We met after her first session and Karen said she nearly had a heart
attack at the meeting. She realised how much money she had been giving
away to the tax office. Being on such a high income she was being taxed
47c for every dollar earned. She now realised that by making some small
changes she could keep this money and have investments that over time
would accelerate her financial situation dramatically.

She now had enough knowledge to make decisions and take actions that
could make her financially independent over the next few years. Karen
couldn't believe how simple it was!

Your Financial Future - Whose Responsibility?

Unfortunately you cannot leave your financial well-being in the hands of
anyone else except yourself.

Of course, you can seek advice from professionals in that field like
accountants and financial planners; however, it really is up to you to
lead the way …to be proactive!

Having attended many seminars, spoken to wealthy people and to the
financial professionals (many of whom aren't independently wealthy
themselves), and read many books on the topic of wealth creation, I have
found you cannot rely on any one person to delegate your financial
affairs to. You need to be proactive and take control of your own life.

How to Take Control of Your Financial Future

Get your finances in order first: You need to know what you spend, what
you earn, how much you owe and how much you own…Not in your head but in
writing. What you think your situation is and what is reality, will more
than likely be two totally different scenarios.

If you know where you are right now you can then seek out appropriate
solutions to your specific financial needs.

How to Get Started

Speak with your accountant on the best way to set up your recording
system.
Ask them how you can increase your wealth.
Ask your accountant and/or your financial advisor how they have created
their wealth. What do they invest in?
Talk to people who are wealthy. Ask them how they accumulated their
wealth.
Question everything.
Read books and attend seminars on wealth creation…the more informed you
are the easier it is to make sound decisions. We regularly advertise
these types of events in our Event Update: office-organiser
.au/weeklyupdate.html
Don't believe everything you hear, see and read, particularly if the
person advising you reaps financial benefit from you accepting their
advice.
Only listen to people who "have rungs on the ladder". Once you've have
done some research (and this can happen in a matter of days or weeks,
depending on your efforts) then:
Take action
Sure you'll make mistakes along the way, however that's the only way you
can progress. Learn from them and move on.

The Final Word
Looking after your financial well-being should be high on your
priorities. It's about having choices in your life. Do you really want to
work from dawn to dusk to support the lifestyle you and your family have
become accustomed to? Perhaps you don't get to enjoy the lifestyle
because you're too busy busting your guts at work.

Imagine what it would be like to work because you want to, not because
you have to?

If financial freedom is something you desire in the not too distant
future (and it doesn't happen overnight), you have to take action
sometime... like right now!

About the Author

Lorraine Pirihi, principal of The Office Organiser is Australia's
Personal Productivity Specialist. She is also a Business and Life Coach.

Take action today! Contact Lorraine to discuss how she can help you on
(613) 9532 5497 or email lorraine@office-organiser .au

*

Jobs, make money,home business,freelance jobs,telecommute, Interview,
Resume, Career

How to Get Money Back for Your Process and Procedures Inv

You have permission to publish this article its entirety, electronically,
or in print at no charge, as long as the resource box is included with
the article along with my full signature file for ezines and my Web
address ( bizmanualz ) in hyperlink for other sites. This article is 443
words long. Thanks for your interest.

Wouldn’t it be nice to get some of your money back that you have invested
in developing policies, procedures and processes for your organization?
Well, you can with the recently restored tax credit.

$7.6 Billion in Tax Credits are Available

In September 2004, President Bush signed the $146 billion tax cut bill
restoring the recently expired business Research & Experimentation Tax
Credit. The 18-month renewal of the research and experimentation tax
credit, which expired June 30 2004, was the most expensive item with an
expected $7.6 billion cost through 2014.

Process Improvement Qualifies

If you are spending money on ISO 9000, six-sigma, lean manufacturing,
TQM, or any other initiative focused on improving your products or
processes, then you could qualify. This includes software purchases,
training courses, labor, and of course the purchase of any Policies,
Procedures and Forms products or services.

An Immediate Source of Cash

This is an actual dollar-for-dollar tax credit against your tax liability
and not a deduction. You can deduct all costs in the year incurred. And
better yet, these regulations are retroactive, which means you can get a
refund for previous years.

Requirements to qualify

If you fit these five basic requirements for research, then you might
qualify under the latest regulations.

1.New or Improved Product, Process or Software. Research must derive ways
to improve a product or process such as development or improvement of a
formula, invention or technique.
2.Technological. Research objective must be to discover technological
information, based upon principals including computer science or
engineering.
3.Research Involves Uncertainty or Risk. It must involve uncertainty or
risk associated with the design or method of design achievement, not
including general business risk.
4.Experimentation Process. It must be well-documented and include failed
and successful efforts.
5.Permitted Process. Activity for product or process improvement must
relate to a function, performance, reliability or quality.

Your Tax Credits are Waiting for You

There is no better time to obtain ISO auditor training, well-defined
process training, business process consulting, or to get the maximum
value out of a helpful key like the Management Procedures Value Series.
Tax credits may expire again later in 2005, so act before it is too late.

About the Author

Chris Anderson is co-author of policies and procedures manual products,
producing the layout, process design and implementation to increase
performance. He is currently the Managing Director of Bizmanualz, Inc.
Visit: Bizmanualz, Inc.

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6 more free steps to making money online

If you read my previous article you will know that the goal of these
articles is to teach you ways to get started making money online without
having to spend any money.

This is the second in the series and this time we deal with having your
own blog. There are endless ways of making money once you have traffic,
and your blog will get you traffic. The income we will be looking at
today will come from Google Adsense.

There are multiple benefits to having a blog including the low cost (or
no cost), the resources that will help you get traffic to your blog and
the fact that you can provide your blog as an RSS feed. An RSS feed will
allow readers to automatically receive your updates into their RSS reader.

Let's get started with our 6 steps.

1. Set up your blog. You will need to decide what you are going to blog
about. You should decide on a theme and name your blog appropriately.

There are a number of free ways to set up a blog & to have it hosted for
free. We will go with Blogger for our first blog.

Blogger will allow you to set up a blog for free they will host it for
free and they will ping search engines every time you update, meaning you
will get spidered & found.

Visit blogger & click the button on the front page labelled 'create your
blog now' then follow the step by step instructions that Blogger provide.

Some key settings you will want to get right are:

I) 'Host your blog at Blogger' = Yes
II) 'Add your blog to our listings' = Yes
III) 'Ping Weblogs ' = Yes
IV) 'Publish Site Feed' = Yes

2. Write some content. Before we move any further there has to be some
information on the site & that means that you have to make some entries.
You can write some of these entries yourself & some can be quotes from
sites of interest to your reader that you can post using the Google
Toolbar.

You can download the Google toolbar for free at toolbar.google . The
toolbar includes a Blogger button. When you visit a site that has
something of interest to your readers you can highlight the appropriate
text & click the Blogger button. The content will then be added to your
blog along with a link back to the site.

3. Once you have some content eg a weeks worth of blogging with 1 or 2
entries for everyday, you can apply for an adsense account. When you sign
in to Blogger you will see an invitation to join Adsense. Use this link
and apply for an account.

You can find out all about Adsense on the Adsense page but basically you
get Google ads on your site & get paid if your visitor clicks them.

Google will decide what adverts show on your site based on the content it
finds within.

You need to be aware that Google will decline your application if your
site is not considered to have content. Nobody outside of Google knows
the precise rules on this.

Once you have been accepted you can get some javascript from Google to
add to you site. Copy this & then log in to Blogger.

Once you have logged into your blog you will see that one of the tabs
across the top of the screen is labelled 'Template'. Click this. You will
need to know a little bit of HTML to help find the right location to
paste your Google code. But with a little experimentation you will find
the right place for you. See the resource box at the end of this article
for more help.

I would suggest that the ads need to be seen when the site loads but
should not be too obvious or dominate your site.

4. Write some more content. Try and keep your content coming at regular
intervals as a number of directories will check on your site at regular
intervals & the smarter ones will visit on a schedule based on your
update schedule. They will probably determine this in the hours after you
first submit to them. Which is what we will do next.

5. Submit your site to Blog & RSS directories. Because you are hosting at
Blogger, Weblogs will already be notified when you update your blog.
(That means that every time you make a new entry they are automatically
notified) You will need to manually submit to the various other
directories some of which will require a link on your site to theirs.

You can add these links to your template below your Blogger logo. For a
list of directories to get you started visit themoneyseed /rss

6. Keep writing interesting content. Ideally you want people to come back
again and again. As with customers its harder to get a new visitor than
to keep existing visitors. So make it interesting, in fact make it so
interesting that they can't help but tell all their friends about it also.

As with most free ways to make money this will take time to get going,
but if you can build a following you will make money.

About the Author

Darren Power is the webmaster at ireviewguru where you will find reviews
of the products we use to make money online.

*

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Career

Ideas On Promoting Your Home Business Opportunity

Have you got yourself into a home business opportunity but don’t know
where to begin to generate yourself some leads? That happens among many
of us that join a home business opportunity, you are not alone. Many will
join and give up before really putting any effort into the business.
Those who are determined will put forth effort and succeed with effort.

When you become a home based business owner, you will want to get the
word out. First off, tell the people in your warm market, your friends
and family and maybe even co-workers. Don’t stop there. Create yourself
some business cards on your computer or even order some online.
Vistaprint offers 250 professional cards FREE of charge, you just pay the
small shipping and handling fee. I have found these FREE cards very
useful. What I would do is order some professional cards to hand out to
those you come in contact with. Then if you can, create a bunch on your
computer that you will use as drop cards. Drop cards are business cards
that you leave everywhere you go. Remember, nobody will visit your site
if they can’t find you. The more cards you get out to the public, the
better chance of getting someone interested in what you have to offer.

You might be thinking that you don’t know anyone to give business cards
too, well if you think that you are wrong. Include a card in everything
you send out in the mail. If you dine out, leave one with your tip.
Always keep a stack in your car as you just never know when you will need
one. There are many places you can leave cards, the sky is the limit.

Drive your car a lot? Why not use your vehicle as a method of
advertising. I did this last year by buying two magnets for each side of
my vehicle’s door. The magnets have a few bright colors on them,
therefore catching attention. Be sure you magnet says something catchy
and make sure you have ways of contact on your magnet. Be sure to include
a phone number and your website link if you have one. I got mine online
and very affordable at jalapenodesigns .

Another great method in generating leads is by online advertising. You
got to do your research first before jumping into this one. You will find
you can place ads on all sorts of websites and online newsletters. My
preference would be placing ads in newsletters. Be sure that the ad is
placed in your “niche” market. Don’t place an ad on a site or newsletter
that is not similar to your companies market. Also, when placing ads on
websites, be sure to ask the webmaster what their unique daily or monthly
visitors is, not the hits. Most people, not familiar to webstats will
look for the hits which is not an accurate number of the visitors to a
website. Remember to do your research first, there is LOTS of places
online that you can WASTE your hard earned money.

One of my favorite ways on generating visitors to my sites is through
online message forums and discussion groups. There are millions of forums
online. The forums range from every kind of topic you can think of. Find
a message forum on a topic you can relate to and become an expert in that
topic. Most forums will let you put a signature line at the end of your
post. You will be surprised the amount of visitors that will come to your
site coming from a signature line in a post. I have been very successful
with this method and have tracked my website stats to verify it. It won’t
bring in millions of visitors, but it’s better then nothing.

And lastly, don’t forget your signature line of your emails. If you send
emails all the time and don’t have a signature file that goes out with
each email, you are losing out on lots of free advertising opportunities.
If you are the type of person that receives lots of say joke emails and
forwards them, you are missing out on even more advertising. You just
never know who is going to see an email, see your link and click it.
Don’t miss out on any free advertising you can get. Every bit of effort
counts.

Don’t give up in the beginning like most do. If you believe in your
company, stick it out. There are always ups and downs and any real
business takes work and effort to build it. Find something you have a
passion for and you will fly upwards.

Stefani owns MommyEnterprises as well as a few other websites that focus
on helping moms work from home. Subscribe to her free newsletter "The
Making Money Newsletter For Moms" and receive a free work at home ebook
and more. Subscribe by sending an email to
makingmoneymoms-subscribe@yahoogroups

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Ideas to Create Own Work At Home Online Business Product

The voice you heard by the majority of people in the Net is true, the
real true money generating machine is to offer your own product or
service where you can keep 100% of the profits.

Before you even start creating or introduce your own product or service,
you should do some research to check the target market size, competitors
and the available pricing methods available for the type of product or
service that you intend to offer.

The most common product that people develop are ebook or what is commonly
known as info product. It is based on the experience that you have
accumulated over the years either through your jobs or hobbies and
convert them into writings.

Everyone of us have a special skills and things that we do better than
the rest. You can further expand your knowledge database via further
education or self-education in order to create the business.

Many new business are created not by developing new products or services
but by improving something that already exists. The initial innovators of
products might received lots of recognition for their innovation might
not know how to make the product appeal to the mass consumers and sell
like hot cakes. Subsequent bright businessmen or women succeeded in
relaunching the same product after some improvement as they are able to
saw the mistakes that have been made and was able to capitalized on it.

The movies industry is the best example, many movies are just about
repackaging to appeal to the movies consumers. Why develop new super
heroes when you can make good money from old familiar heroes like
Spiderman. Many movies goers grows up watching Spiderman cartoon and
although they maybe adults now, they still enjoy it like when they was
young. It is so familiar with them.

Therefore, time spend trying to find brand new idea should instead be
spend on improving existing idea. The most important criteria is to try
and find a NEED which you can filled.

For improving your business success rate, try not to go into a hot
industries that are already overcrowded with suppliers unless you can
offer something cheaper and better than them and still make a profit.
Finding a niche market is a better strategy as an unique product or
service will increase your chances of success.

Starting a Work At Home Online Business means that you should look for
product or service that can be sold online and delivered to people living
around the world. It should be cheaper or more convenience to order
online rather than offline.

The most famous successful niche finder is Amazon . The books they sold
already exist offline and by bringing it online and pricing its books
competitively, they slowly build up their niche market and have now
become the world largest online books sellers.

Therefore, open your eyes wide and start looking at things around you and
think of ways to improve them.

Copyright © Arthur "Opportunity are often shy, you just have to keep
looking for them." Learning and putting what you learn into Action is
the key to success in operating a successful Work At Home Online
Business. Visit: sap-basis-abap /homebusiness/

Home

Ideas to Create Own Work At Home Online Business Product

The voice you heard by the majority of people in the Net is true, the
real true money generating machine is to offer your own product or
service where you can keep 100% of the profits.

Before you even start creating or introduce your own product or service,
you should do some research to check the target market size, competitors
and the available pricing methods available for the type of product or
service that you intend to offer.

The most common product that people develop are ebook or what is commonly
known as info product. It is based on the experience that you have
accumulated over the years either through your jobs or hobbies and
convert them into writings.

Everyone of us have a special skills and things that we do better than
the rest. You can further expand your knowledge database via further
education or self-education in order to create the business.

Many new business are created not by developing new products or services
but by improving something that already exists. The initial innovators of
products might received lots of recognition for their innovation might
not know how to make the product appeal to the mass consumers and sell
like hot cakes. Subsequent bright businessmen or women succeeded in
relaunching the same product after some improvement as they are able to
saw the mistakes that have been made and was able to capitalized on it.

The movies industry is the best example, many movies are just about
repackaging to appeal to the movies consumers. Why develop new super
heroes when you can make good money from old familiar heroes like
Spiderman. Many movies goers grows up watching Spiderman cartoon and
although they maybe adults now, they still enjoy it like when they was
young. It is so familiar with them.

Therefore, time spend trying to find brand new idea should instead be
spend on improving existing idea. The most important criteria is to try
and find a NEED which you can filled.

For improving your business success rate, try not to go into a hot
industries that are already overcrowded with suppliers unless you can
offer something cheaper and better than them and still make a profit.
Finding a niche market is a better strategy as an unique product or
service will increase your chances of success.

Starting a Work At Home Online Business means that you should look for
product or service that can be sold online and delivered to people living
around the world. It should be cheaper or more convenience to order
online rather than offline.

The most famous successful niche finder is Amazon . The books they sold
already exist offline and by bringing it online and pricing its books
competitively, they slowly build up their niche market and have now
become the world largest online books sellers.

Therefore, open your eyes wide and start looking at things around you and
think of ways to improve them.

By © Arthur

Copyright © Arthur

"Opportunity are often shy, you just have to keep looking for them."
Learning and putting what you learn into Action is the key to success in
operating a successful Work At Home Online Business.

Visit: sap-basis-abap /homebusiness/

Home

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"Trading With the Help of the Experts"

Would you be interested in live trading seminars captured
on DVD and CD?

While I was scooting around on the web
looking for interesting resources for
my members I came upon a great way to
learn to trade - using the experts!

How many times have you wanted someone
to hold your hand and just show you
what to do?

Well I know I have...lots of times!

I found two great services.

The first is called, "InvestorFlix".
Below is the link:
tinyurl /d8kml

Tap into the world's most comprehensive "brain trust" of market
experts - right from the comfort of your own home - and watch
your trading results skyrocket!

InvestorFLIX is the first collection of its kind ever made available
to the public. This extensive library of trading seminars features
154 expert wealth builders on 547 DVDs and CDs.

Each DVD or CD is a step-by-step trading course that will show
you how to generate a consistent approach in every market, using
tested and proven techniques to create massive amounts of wealth.

The next amazing service for traders
is called, "MarketClub". You must check
it out for yourself.

Adam Hewison from MarketClub shows you how to turn
$3,000 into $110,110.00 in just 74 trading days by
trading "OIL".

Go here:
tutorhelp .au/video.html

This link above will help you connect to
both services as well as my service,
"Trading With Pictures".

I wanted to provide you with something
visual to help you learn all the moves.

About the Author

Joseph Sgro writes THE 10 Simple Rules Ezine for people interested in
trading the markets and learning from the pros.

tutorhelp .au/ezine.html

Copyright (C) Joseph Sgro 2005

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