Consumer Debt is Deadly

The purpose of this Cash Ideas Now blog is to help you identify ways to make money.

How To Make A Six Figure Income Online

Any attempt to free yourself from your job routine begins with getting your financial house in order, and one of the biggest obstacles you must overcome is consumer debt.

To put it mildly, consumer debt is a financial killer.

One of the best ways to reclaim your financial future is to repay those high interest consumer loans and then restrict the use of credit cards to emergencies and fast investment cash.

Therefore, the third step in creating wealth is to reduce your dependence on credit cards and ensure future monthly payments on all of your cards combined never exceeds 10% of your after tax income.

Consumer debt is usually used to finance the purchase of “nice to have” things--which typically depreciate in value. Whereas, investment debt is the use of financing to purchase things which go up in value, like real estate, antiques, and well-run businesses.

Consumer credit increased at an annual rate of 2.5 percent in May 2006, while revolving credit increased at an annual rate of 10 percent. The Federal Reserve Statistical Release for July 10, 2006, indicates Americans currently owe over 808 billion dollars in revolving debt, which is principally credit cards and auto loans, and over 1.3 trillion dollars in non-revolving debt. According to U.S. Bankruptcy Court statistics, there were well over 2 million bankruptcy flings made in 2005 alone, with the vast majority of these non-business related filings. Remember, there are approximately 123 million working Americans; therefore, this number represents nearly 2 percent of the working population. The abuse of credit cards by the American consumer has become a financial epidemic.

The propensity of Americans to assume high interest credit card debt, while fearing the use of debt to make intelligent investments, is mind-boggling.

Consider this example. A new car may cost you up to $500 per month. At the end of 5 years, you will have a significantly depreciated car, with a loss of $30,000 or more in principal and interest payments. Compare this to purchasing a rental property. In the worse case scenario, you may expect to make payments during vacancies, provide for unscheduled maintenance, and carry a negative cash flow from month to month. However, at the same time you will be enjoying a property that appreciates in value, while giving you a valuable tax write-off. Appreciation and tax write-offs are not the primary reason to get involved in real estate, nor is carrying a negative cash flow a pleasant thought. But, in the long run, this is more advantageous to your wealth goals than the car loan.

As a credit consumer you should also protect yourself against the dreaded Universal Default Clause. Amazingly, a large percentage of major credit card issuers have this clause tucked into your user agreement. Essentially, the Universal Default Clause allows your credit card company to significantly increase your interest rate and fees based on your credit score and payment history with other lenders, including your home and car loan. Watch out for this clause and try to avoid doing business with credit card companies that use this tactic to prey on their less sophisticated customers.

If the fear of a foreclosure is your greatest concern, it is interesting to note that according to RealtyTrac, there is one new foreclosure filing per month for every 1,311 U.S. households.

Over the course of a year, the number of homes entering foreclosure barely compares to the 2 million plus bankruptcy filings per year, suggesting the risk to your financial well-being through home ownership is lower than that of acquiring consumer debt. Education in this area is critical to your success, so I strongly recommend you read books by Tyler Hicks and William Nickerson before starting a property investment plan.

The next time you are tempted to take out a loan on a new boat or quad, consider how the cost of this purchase, with compounding interest, may be better used to achieve your financial goals. The National Foundation for Credit Counseling believes it takes from 3 to5 years to recover from credit card debt, once an individual starts a structured recovery plan. This can put a severe damper on your wealth accumulation goals. What it all comes down to is your willingness to delay gratification—a difficult emotion to master.

Over the years I have used credit cards for both consumer purchases and investments. Sadly, like many others I also went through a stage in my life where I abused credit cards and allowed the balances due to become a burden to my family and a drain on my monthly income. I used steps one and two of this report to dig myself out and have since limited myself to carrying a prepaid card. Normally, people use prepaid cards when they can’t qualify for a regular credit card. However, the prepaid is also a great way to minimize your spending, as it only works when there is money in the bank to back up your purchases.

Credit card horror stories are everywhere, and there is a good chance you know somebody who has experienced something similar to this:

A young college student received a credit card offer in the mail. As a full-time student, he did not have a steady income and wondered how he managed to qualify. His credit rating was based entirely upon his potential to earn income as a future college graduate, and the complete lack of negative information in his file.

The student carried his freshly minted card in his pocket for several weeks, resolved to never use it, except for an emergency. Near the end of the semester he and a few classmates were pulling an all-night group study session in preparation for final exams. Around midnight somebody suggested they call out for pizza. They pooled around twelve dollars in cash between them and nearly gave up in frustration when our hapless credit worthy student volunteered his credit card. It was a small beginning, as these things typically are, but credit use is like an addictive drug. It is so easy to use, and the pain of repayment is always somewhere down the road—too far away to be associated with the enjoyment of pizza tonight.

By the end of the school year, the student had accumulated over $1,000 in debt on his card. While his monthly payments remained small, they represented a significant strain on his budget. His monthly allowance from home was now being spent to make credit card payments, which meant he had to use the card to make more routine purchases. The balance grew out of control, leading to a destroyed credit rating.

Another example of credit card use involved a young lady who worked a low paying job. She had dreams of a better life and spent a lot of her time looking for real estate investment opportunities. She carried four credit cards, with an available cumulative balance of around $12,000.

One day after work she came across a small house for sale by owner. It needed some work, but following an analysis of the market, she knew this home was worth more than the asking price. Using the cash option on her cards, she obtained $10,000 to make the down payment and cover closing costs. The owner carried the financing at a fair interest rate.

After closing she immediately set to work cleaning up the property. She then had it professionally appraised (insist on appraisals from Member Appraisal Institute) and listed for sale. For three months she managed to make the minimum payments due on her cards before the house eventually sold for a modest profit. At closing the buyer assumed the loan due to the original owner, leaving a little less than $20,000 profit. She immediately paid off her balance due on all of her credit cards, and parked around $8,000 in her bank account. While her return is not impressive to some investors, she did manage to make $8,000 out of nothing but information and gumption.

Both of these stories illustrate the power and dangers of credit card use. While it is not advisable to get involved in investments using credit cards, it is an option when quick cash is needed to capitalize on opportunity.

As a wealth builder it is vitally important that you monitor your credit report and correct any errors immediately. One of the easiest, and cheapest ways to obtain your personal credit report is over the Internet. It is estimated that up to 60% of all borrowers request a credit report at least once a year. If you are trying to protect your privacy, you may want to be wary of the questions about your current address, phone number, employer, and other personal data they may ask in the “Request Your Credit Report Here” form. A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies, Equifax, Experian, and TransUnion, to provide you with a free copy of your credit report, at your request, once every 12 months. Use the FTC government website www.annualcreditreport.com as your primary source for credit report data.


Ron Taylor
Your Work Sucks Super Hero

Shortcut To Internet Millions

The purpose of this Cash Ideas Now blog is to help you identify ways to make money.

How To Make A Six Figure Income Online

Also, you can...

Check Out Over 1,000 Money Making Opportunities In One Spot

I recently read an interesting article about finding shortcuts to Internet millions. The article discusses a popular, although controversial, program for finding Internet wealth. And all you have to do is sign up for their “free” website—which incidentally costs about $1,500, plus a monthly recurring cost with a 36 month contract. Hardly free.

But, in defense of the Internet wealth system mentioned above, how much is “free” worth? The Internet is ripe with hype that promises the moon with little to no commitment on your part. Which should not surprise you, as Internet marketers know that the dream of achieving success, or creating wealth, without effort or personal risk, is hardwired in the human psyche. We are all vulnerable to false promises of easy money.

So you see, it’s really not your fault for wanting to find a way to make money online, we all want the same thing, but you have to be realistic in your expectations. Yes, I firmly believe you can achieve wealth with Internet marketing, but you need to spend time, effort, and money to learn the business, and then you need to couple this knowledge with patience, and a willingness to take massive action to market your products or service.

Growing up in South Georgia I had an Australian Cattle dog. This dog was so fiercely independent he would not allow himself to be touched. He ran the woods behind my house and came home to eat once or twice a day. Sometimes he came home with his own meal, such as a chicken or rabbit.

One day a hailstorm came through our area. Ole Zach was lounging in the tall grass behind the house when suddenly hailstones began to pelt him. Zach jumped up and spun around, thinking somebody was throwing rocks at him. He didn’t put up with crap and would probably have attacked a person who dared to throw rocks at him. About that time another hailstone hit him in the butt. Again, he spun around and snarled. Ole Zach repeated this spinning and snarling routine several times before finally plopping down on the grass and howling in resignation.

I hollered from the back door for Zach to get under the porch, but he refused to move. As it turned out, this was a significant emotional event for Ole Zach. He was never the same. He lived under the porch and refused to hunt for himself. Later, he even allowed me to pet him. He was one whipped pup.

In my opinion, a lot of us are just like Ole Zach. We are too independent to ask for help, and when we get beaten down by the system, or a lousy business idea, we tuck our tails and run for cover—never to risk failure again.


If you’re feeling like Ole Zach I want to encourage you get up and try one more time. Take the lessons you have learned from your previous failures and put them to work. Take a cold, hard look at what you’ve done in the past, and then resolve not to repeat those same mistakes. Ole Zach may have been pelted by hailstones, but the real harm was how he allowed those hailstones to destroy his self-confidence. I’ve had my share of hailstones thrown my way also, and yes, some of them hurt like Hell. But I learned a powerful lesson from my childhood dog, and I refuse to allow failure, or my misunderstanding of its causes, to chase me under the porch.


Ron Taylor
Your Work Sucks Super Hero

Work Sucks Version 2.0

Okay, it's a given. For the most part, work sucks. I don't mean the work you put into building your own home business, or researching a stock or real estate investment.

I'm talking about the kind of work that involves punching a time clock and waiting around until Friday so you can go to the grocery store with your weekly paycheck.

The purpose of this Cash Ideas Now blog is to help you find ways to free yourself from the work routine, and yes, identify ways to make money.

How To Make A Six Figure Income Online

Your job is a necessary evil during the early stages of your wealth creation, but it should not represent a long-term plan. Not only do jobs restrict your income potential, they may also be hazardous to future income. Recent surveys and census data indicate approximately 30% of people will be forced to retire early due to circumstances beyond their control, including layoffs and illnesses. AXA Equitable and Nationwide Financial have an extensive database of figures related to forced layoffs and early retirements.


Jobs are created by entrepreneurs who understand that wealth is created by adding value to raw material or services, and selling finished products or services at a profit. Who adds the value to raw materials and services? You do. You are only valuable to an employer when you can effectively and efficiently add value to the organization’s product or service.

So, if you are interested in rising above a just over broke (J.O.B.) existence, you need to take Work sucks’ advice and look for income opportunities outside employment.

There’s no denying the fact that a job, with a steady income, is nice to have. It helps you pay the bills and keeps a roof over your family’s head. Unfortunately, that’s about all it does. What’s in a job? Security? A pension? Some of us are dreaming of retirement, thinking we’ll be happy living off half of what we can’t afford to live on today.

A job was never meant to make people wealthy. In a free market environment we sell our labor to an employer for the highest pay possible, while your boss tries to pay you the lowest wage you will accept. Usually the boss wins, because he is in control of the purse strings. As long as you look to your job for wealth, you will be disappointed.


If you want to become wealthy, you must look beyond your job. You earn a living between 9 and 5, but you achieve wealth after 5 and on weekends.

Most Americans think a job is security, but they are wrong. As long as you depend upon somebody else for your livelihood, you are a slave to that person and/or organization. And like a slave, you can be dispensed with as soon as they deem your services uneconomical. It’s a negative image, and I apologize for hitting you with it, but you can’t sit back and relax in the pseudo security of a job or retirement plan and expect others to secure a financial future for you and your family. Dependence is not security; independence is security.

While dropping my son off at school recently, I noticed an elderly gentleman standing in front of the school with a sandwich sign draped around his neck. The man was protesting unfair hiring practices by the school in the form of age discrimination. We live in a society that rewards youth and beauty, while disregarding the value of experience and ability. This man was willing to stand before the community to protest this injustice. His dilemma is all too common today, where hard working people have entrusted employers to provide them lifetime employment. Unfortunately, this trust does not reflect reality. Owning your own business is one vehicle you can use to take responsibility for your own financial future, without having to depend upon the vagaries of an unjust job market.
The expression, “if you want to catch fish, you have to risk the bait,” is so common it has become cliché. But how many of us actually incorporate that basic philosophy into our lives? Are you willing to risk the “security” of the traditional nine to five, Monday through Friday routine, to enjoy financial freedom? Vince Lombardi once stated “the will to excel, the will to win: these are the things that endure.” A business built with your own hands, energy, and ingenuity can endure where a job cannot, but if you expect to become a successful entrepreneur, you will have to take risks.

Taking risks to create wealth does not mean senseless gambling of your savings in the stock or bond markets, or betting everything on a horse race. Taking a risk means putting your self-confidence and self-image on the line. It means taking the chance of being embarrassed in the marketplace. And, it can also mean going against popular opinion and peer pressure to follow a dream. As Teddy Roosevelt was fond of saying, “seek opportunity, not security.”

Aside from the “job security” issues, your status as a wage or salary earner places you in the highest taxed form of income. Passive and portfolio income does not fall victim to Social Security taxes, and expenses associated with operating your business come out of your gross receipts prior to taxes. The structure of business taxation can allow you to enjoy some of the finer things in life, such as dining out, vacations, and nice cars (provided they are legitimate business expenses), while the same pleasures in life for a wage earner must use after tax dollars to do so. Robert Kiyosaki talks about this concept in detail in his Rich Dad, Poor Dad series, which should be required reading for any wealth builder. You don’t have to like him, agree with him, or buy real estate to get wealthy, but you should at least give him a try.

Not convinced? Take a look at some current statistics regarding employment.

It's been said that 80% of America is two missed paychecks away from financial disaster, and recent statistics indicate Americans spend 110% of their monthly income. Do you fit this mold? What would happen if you were laid off without pay tomorrow? Can Americans look forward to a secure retirement under Social Security or the company pension plan?

Current labor statistics do not paint a pretty picture, with quality jobs being outsourced overseas quicker than new jobs are being created. Sure, there are always low paying, low skill jobs available. But who can support a family on minimum wage?

Manufacturing jobs in particular have taken a beating in the marketplace during the past few decades, with some states, like Michigan, losing over 23,000 jobs in the course of a year. According to Labor Department figures, 26 states have seen manufacturing job losses in the past year. The federal government claims many of these displaced workers are receiving retraining, however, Bureau of Labor Statistics cites fewer than 204,000 displaced workers qualified for retraining in 2003, and only 47,000 actually received training assistance. The Bureau of Labor Statistics defines displaced workers as, “persons 20 years of age and older who lost or left jobs because their plant or company closed or moved, there was insufficient work for them to do, or their position or shift was abolished.” During the January 2001 through December 2003 period, 5.3 million workers were displaced from jobs they had held for at least 3 years.

In June of 2006, 4.6% of the available workforce in America was unemployed for an average of 18.4 weeks. For workers over 45 years of age, this unemployment period jumped to 23.8 weeks. That is over 5 months. Compare this to the statistic in the Introduction of this report that reveals many Americans have less than 3 months worth of cash and assets available to sustain them without continuing income. Of course, there is unemployment insurance, but this may take weeks to kick in, is a degrading and frustrating process, and is certainly no route to achieving the standard of living your family deserves.

Of the 7.6 million Americans unemployed at one time or another in the past year, 4.3 million lost their job due to completion of temporary projects, 3.7 million were laid off, and 1.9 suffered permanent job loss through no apparent fault of their own. To top it off, the median weekly wage and salary for working Americans in 2005 was $651. It hardly seems worth the effort. Yet, 123 million American go to work everyday, living paycheck to paycheck. Over 13 million of these people work in “alternative” job arrangements as independent contractors, on-call laborers, and temporary services. Additionally, in 2004 nearly 8 million Americans worked multiple jobs simultaneously—just to make ends meet.

Most Americans think a job is security. They are wrong. As long as you depend upon somebody else for your livelihood, you are a slave to that person and/or organization. And like a slave, you can be dispensed with as soon as they deem your services uneconomical. I suggest it is time to change the way you do business and start working for yourself.

Dependence is not security--independence is security. Don't sit back and relax in the pseudo security of a job or retirement plan. To achieve wealth you will need to learn how to accept and manage a certain amount of risk.

Success gurus like Anthony Robbins and Robert Kiyosaki teach that you have to get excited about wealth building to achieve success. What excites you about building personal wealth? How do you feel about poverty, or the lack of money? What motivates you to spend your free time reading books like this, studying interest rate tables, or analyzing stocks and real estate deals?

To achieve financial success you must get emotionally charged over something wealth represents. After all, it’s probably not the money you are after. You are after the security and promise of a better life.

Use these emotional tags to drive you to work while others sleep. Use your anger over working for an unappreciative boss to push you to limit your spending on frivolous doodads. Use your desire to achieve a better quality of life for your family as an impetus to analyze more deals, take calculated risks, and strive for more sources of passive and portfolio income. In the end, use your determination to achieve the independence and security of sound financial management and personal wealth.

Ron Taylor
Your Work Sucks Super Hero

No Job, No Problem!

Robert Allen discusses building an Internet marketing business in his book Multiple Streams of Internet Income. The Second Edition of this book is well worth reading.

While Allen does not put it in these terms, my description of this process below is based on his ideas.

You see, depending on your job as your sole source of income is asking for trouble. Gone are the days of lifetime employment, or pensions that make retirement worthwhile. To succeed in today’s financial market you must accept that depending on your job for a living is simply begging for a life of poverty.

In my Work Sucks blog series, I discuss the need for each of us to develop multiple streams of income. Imagine a trickle of water rolling off the rocks at the tops of a mountain. This trickle joins other trickles of water to become a stream. As the water flows off the mountain the streams join forces to create a river, and then flow out to sea.

Your income streams are like those trickles. You don’t need to look for a river of income from one source to create wealth. Instead, focus on finding a way to create a small trickle of income. For example, selling $100 worth of household items on Ebay every month. Add to that a trickle of income from selling $100 worth of used books on Amazon, perhaps $50 monthly from completing online paid surveys, and perhaps $200 worth of commissions from affiliate marketing sales. These four trickles of income have suddenly grown to a stream of $450 per month in income.

How many times could you repeat this process? And, how many streams of income would it take to equal your job income?

Look for the opportunity to create multiple streams of income on the Internet. Once you have reached a level that is equal to your job income you can either decide to quit your job or use this extra income to build a capital base for investing in appreciable assets such as real estate and stocks. The positive cash flow from these investments can then become a source of passive and portfolio income, as described by Robert Kiyosaki in his book Rich Dad, Poor Dad.

Opportunities to start creating multiple streams of income are everywhere. You just have to look, and then apply yourself to learning how to make them work for you.

Ron Taylor
Your Work Sucks! Super Hero

Work Sucks!

Warning !!

This article may be depressing. I just finished reading "Notes From The Underground" by Dostoyevsky, so I'm feeling a bit rebellious. To give you a taste of this blog without requiring you to read the whole flippin thing, here's an executive summary: Work Sucks!

For you non-executive types out there, here's the rest of the story.

Go to school, get a job, retire broke. What a vicious cycle. Would you like to:

1. Make real money?
2. Get out of debt?
3. Take more time off work?
4. Retire early—with money?
5. Buy a house?
6. Maybe even get rich?

Your job will never help you achieve any of these things. Sorry to clue you in to this sad little fact, but your job is not the answer to these questions. Let’s be frank—your job sucks!

But, for a few of us with a little initiative and a bit of vision, a home-based business may be the answer to those questions above.

By now you’re probably thinking you don’t have the business skills to be successful, or you don’t want to have to sell things. Hah, if you work at the mall or at the local fast food outlet, you sell things—only for somebody else. As for business skills, who gives a flip; Business majors are not brain surgeons—or even educators for that matter. I know, because I were one.

My degree landed me an assistant manager’s job at a hamburger joint you would know well, where I proceeded to waste six of the best years of my life. I told you I was stupid. It took me six years to find the exit.

As an Internet surfer and blogger you know a lot about business and social networking. Business is about creating relationships with people, and using your natural skills to make friends and maintain online relationships. Believe it or not, you have the ability to create a highly successful online business—starting from where you are at today.

Why let this natural talent and free resource waste away while you think about applying to flip burgers down the street? Forget it.

Working for the man is for losers too ugly or socially inept to make a friend. Who’s the man? He’s the guy that strolls into the store once or twice a week to pick up the bank bag you filled.

Do you have two friends? If so, you have the makings of a following. Now all you have to do is create a message, perhaps in the form of a blog, that others may learn from. You’re young, and I know you would rather spend time surfing the Net and making friends than sweating over a hot grill flipping burgers for minimum wage while some guy who barely speaks English tells you you’re doing it wrong.

If you are interested in learning about some amazing products or business opportunities, click on the names of the products below that interest you. Be careful to find an opportunity that suits your interests and goals:

Hinge Marketing

Automated Cash Formula

Run Your Car On Water

The Auto Cash System


Get real. There’s more to life. Starting today, resolve to learn more about affiliate and Internet marketing. Start putting your natural skills to work to create your own business. You can thank me later.

Blogs aren't the only way to make a living--but then again neither is flipping burgers. The key is, learn how to turn your blog into an Internet cash machine. Here's an idea, take this week's lunch money and invest it in your future. Go to Blogging to the Bank and learn how to make a living doing something you may enjoy.

Build Your MLM Business At 30 Day MLM Jumpstart

Ron Taylor

This Is My Formula for Online Success

Using the Internet to build a successful home-based business is all about directing traffic to your website.

Check Out Over 1,000 Money Making Opportunities In One Spot

During the past two years I have learned that success in online marketing of any opportunity comes from adhering to a simple formula.

Your Passion + A Niche Market + Valuable Products = Success

Let’s break the formula down into bite size chunks.

First, your passion is what you love to do; what you love to talk about; and, what you may consider your expertise.

Second, a niche market is a small portion of the total population of Internet users that may share your passion. For example, if you have a love for tropical fish, your niche market would be other Internet users who love tropical fish.

Third, a valuable product is something your readers would benefit from having. Consider your tropical fish passion and niche market. A valuable product for this crowd may be something like a guidebook on how to prevent diseases, or perhaps a directory of wholesale fish providers. Whatever the product or service you suggest to your customer, you would be wise to focus on products deemed valuable by your niche market.

You see, Internet marketing fortunes are being built every day on this simple formula. Find your passion, tie that passion to a niche market, and offer that niche market valuable products.

One of the best ways to communicate your passion is to use a blog. There are hundreds of free blogging opportunities available on the Internet, and you can start with places like www.myspace.com, www.wordpress.com, and www.blogger.com. Another free source for sharing your passion with other Internet users is to write articles. The best place to do this, in my opinion, is with www.ezinearticles.com.

Creating a blog is not nearly as complicated as you may think, and can be as simple as a daily diary type entry, or as complicated as a news clearinghouse, like The Drudge Report.

The great thing about blogs is that you do not have to be an Internet guru or computer programmer to make them work. And you don’t have to write like J.K. Rowling to gain a following. As long as you are blogging about your passion, you will be fine.

People are hungry for information. Be true to your readers. Stay focused on your blog topic, and you will find success.

Over the past few years I have tried and failed in a boat load of Internet income opportunity programs. By following my formula for success you can avoid my years of trial and error and shortcut your way to quality traffic to your product and opportunity offers.


Click Here To Watch A 17 Minute Video Showing How One Man Makes Over $100k Monthly!

Ron Taylor mentors home business entrepreneurs who are serious about building successful Internet Marketing businesses.

Are You Forgetting These Three Steps To Home Business Success?

It’s been said that up to 97% of all home businesses end in failure.

Failure in this sense does not mean bankruptcy, rather, it tells a story of how most of us jump into a home business project, only to quit a month or two down the line. In my opinion, this failure to persist in your home business is the result of failing to join the right home business opportunity.

A good small business to start from home should represent a balance between your income potential, personal interests, and cash available for investment.

If you have limited funds available for startup costs, or do not have a background in business management or startups, I highly recommend you explore the multi-level marketing business opportunities first.

I like to take a no-holds-barred approach to business. That means when I see an opportunity, and decide it offers a low risk and high payoff potential, I jump in. I've been burned a few times in my over-zealousness, but an occasional failure is part of the game. Over the years I've learned you either play the game, and accept the risks (it helps to understand the risks going in), or you don't play. In my opinion, life is too short to waste time on the sidelines. I rode the bench in high school football and hated every minute of it. The publication you now hold is an expression of my "play the game" business philosophy. Be a player, not a spectator.
Most of what I've learned about business I learned on the streets, playing the game, getting knocked down a few times, and getting back up in time for the next play. During the past 12 years I have built and managed several successful companies using a technique of (1) educating myself about a business opportunity, (2) diving in with massive action and learning from hands-on experience, and (3) using this knowledge and new found experience to gain insight into how to play the game better, and how to adapt my behavior to find either a profit in the business, or minimize my losses.
Throughout the trials and joys of business ownership, I have learned there is one constant in life: nothing stays the same. Change is everywhere. Be flexible. Treat every circumstance as a learning opportunity, and never rest on yesterday's successes; for tomorrow is another day.

In the end, don't let the words "he/she had the potential to achieve great things" be a part of your epitaph. The words "had" and "potential" are clues to a life full of promise never realized.

Woody Allen once said, "eighty percent of success is showing up." You have to show up. You have to be willing to take the plunge. You have to do the things other people refuse to do. You have to persevere in the face of adversity. And, you have to believe in yourself, no matter what others may say and think about you.

Fortunately, through the sheer beauty of the network marketing concept, you can take this plunge into the business world with minimal financial risk.

Ron Taylor mentors home business entrepreneurs. Here are some links to several sites he suggests you check out.

If you are interested in learning about some amazing products or business opportunities, click on the names of the products below that interest you. Be careful to find an opportunity that suits your interests and goals:

Hinge Marketing

Automated Cash Formula

Run Your Car On Water

The Auto Cash System

Paid Surveys: Two Quick Ways To Make Money Online

What’s sweeter than surfing the Internet on the job? Making money responding to online paid surveys as you surf!

Imagine, you clock into work, grab a cup of coffee, and then head to your computer to check your emails. But, instead of replying to the obligatory staff memo, you click on the email with the subject line: “Here’s Another Survey For You.” Voila! Instant cash in your mailbox.

Yes, you can get paid to complete opinion surveys online in the comfort of your own office—or home for that matter. Your response to surveys becomes critical marketing data used by virtually every major corporation in America. The data is so important to these companies they are willing to pay you for your time and effort. The pay varies by survey, ranging from a low of about 50 cents, to a high of around 10 dollars. Each survey will take about 20 minutes to complete.

As an experienced Internet Marketer, let me tell you why I enjoy doing paid surveys over anything else online:

1. They are easy, and do not require any Internet skills.
2. You don’t have to own or manage a website to make money.
3. Survey providers look for you, rather than you having to hunt down random customers.
4. There is no product to sell or ship, and no refund requests.
5. Customer service? Never heard of it.
6. Work at your own pace, when you fell like it.

These are just a few of the reasons completing paid surveys online is a viable way for you to make an extra income. In my experience, you can easily make around $300 per month with very little time involved. Commit yourself to this full time and you could earn a respectable income.

There are two ways to get started in the paid survey business. First, you can go to any search engine and find websites that offer free registration to their paid survey service. This is the “bum marketing” way to do it, and it works. There is however, one big however. When I first started with paid surveys I took the bum marketing approach. As a result I was asked to complete about one survey per day, sometimes for as little as 50 cents each.

Now I’m not known to have any rocket scientist potential, but it didn’t take long for me to realize the bum marketing approach was not helping me to achieve my income goals. So, I started looking around and came up with a better mousetrap.

The better mousetrap, and my second approach to getting paid for doing online surveys, turned out to be joining a couple of survey provider websites as a premium member. Yes, I paid a few bucks up front to join, but I have since made that back plus a lot more. Either way, you can make money doing paid surveys online, but if you wanna go pro and make some dough, I recommend the “premium member” route.

Join Ron at his website to learn more about how to get paid doing online surveys. Visit: http://www.wealthsearch.org

Paid Surveys, Making Money Online

Completing paid surveys on the Internet has quickly become a popular way to make money online. In my experience most survey companies offer a legitimate service, and pay respondents a fair fee for their time and thoughtful answers.

Yes, you can make money online by completing paid surveys. You may not be able to retire from your day job, or buy a new house form your paid survey income, but at the same time a few hundred extra bucks each month doesn’t hurt either.

Before you get involved in this line of work, you should be aware of a few things. First, paid survey providers will entice you to join their programs by hyping the amounts of money you will earn, while negating the amount of time it takes to earn the higher ranges of paid survey income. Keep in mind that each survey you complete will take time, and the amount you will be paid for each survey will vary. Second, the best paid survey programs may require a small fee to get started. You can generally recover this fee quickly through special new member bonuses, but to truly make any money you will need to be persistent in completing one or two surveys daily.

The key to making money with paid surveys is in matching your personal demographics with those sought after by the survey sponsor. For example, one company may be looking for respondents in the 18-25 year age group with an annual household income of $45,000 or more, while another wants opinions from men over 55 years of age. If you don’t meet the specific demographic criteria for a given survey, you will not be selected to complete the survey.

This is the main drawback of relying upon surveys for your income, and in my opinion is why you should become affiliated with a professional survey provider. A survey provider assesses your personal demographics, and then searches the Internet for paid surveys you are eligible for. The provider then forwards you information on how to access and complete these surveys, resulting in a significant increase in your paid survey earnings.

Another factor that frequently discourages people from the paid survey business is the time required to complete each survey. Most surveys will take approximately twenty minutes to complete, depending on how fast you can read and answer questions. Be advised, however, paid surveys are structured in a way that detects fake answers.

Paid surveys contain duplicate and “test” type questions that can measure a respondent’s consistency. If you tell a surveyor your favorite color is red, the later answer a similar question by selecting blue as your favorite color, you have just proven yourself inconsistent and unreliable. You could easily spend twenty minutes zipping through a paid survey, only to have the results, and your pay, disqualified. Therefore, if you’re going to do paid surveys, you have to be consistent in your answers and give the survey company your honest opinion.

In my opinion completing online surveys to make an extra income can be a legitimate home business. However, in order to receive the maximum number of survey offers that fit your personal demographics, it is essential that you become affiliated with a survey hosting company of some sort.

Simply applying to complete surveys and waiting for them to drop into your email inbox will not suffice, and will quickly deflate your hopes of using paid surveys as a vehicle to making money online.

Ron Taylor

Sign Up For A Paid Survey Account Here

Lose 30 Pounds In 30 Days?

Obesity, An American Epidemic

An epidemic of obesity and its health related complications are sweeping America.

Unfortunately, one out of three of us are part of this plague, and the number appears to grow daily. Despite an abundance of diet books, diet plans, home exercise equipment, and dire warnings from the medical community, less than one percent of dieters achieve sustained weight loss and many fail to produce measurable results in health improvements. In fact, research suggests dieting may be part of the obesity problem, rather than the solution.

The root of the obesity problem lies in our eating habits. Simply put, we eat too much saturated fat and refined sugar, and too little fiber—most of this brought on by spending over half of our food budget on fast food in the form of greasy burgers and fries, gulped down with syrup-laden sodas. Let me give you two weight loss tips right here: (1) Stop using the drive-thru. (2) Stop eating refined and sweetened foods.

On a personal level, has your diet succeeded in changing your eating habits? Chances are it has not. A diet plan may tell you what and how much to eat, but it cannot settle your body’s craving for food, nor can it change your eating habits.

According to the Surgeon General, obesity causes over 300,000 deaths per year and doubles your chances of becoming diabetic. Obesity also increases the probability of acquiring other health related issues, such as:

· Heart disease
· Breast cancer
· Asthma
· Sleep apnea
· Arthritis
· Pregnancy complications
· Depression

The statistics are frightening. The problem is real. But, there is hope. While the national statistics of obesity and diabetes skyrocket, you can defy the numbers. As you journey with me, it is my hope you will find the inspiration to achieve success with your diet.

Diets are personal, and what works for one person may not work for another. Amidst the din of conflicting and often confusing information about dieting, you must choose the path that is right for you. Your diet should not be drudgery, but should be a joyful process of self-discovery and mastery over food addiction. Each successful day represents a triumph, and each triumph gives you more strength and resolve to persevere. As Thoreau once stated “We are all sculptors and painters, and our material is our own flesh and blood and bones.”

Now is the time for new beginnings. Become a successful dieter, today. The clock is ticking.

I would like to speak to you metaphorically for a moment by comparing my body and eating habits to a steamroller.

When it comes to eating I’m just like one of those steamrollers you see flattening the pavement at a construction site. Once that thing gets rolling, it takes a lot of energy to stop it. Likewise, once I start eating, I tend to binge. Everything in my path gets flattened—that is, eaten. Steamrolling my way though the refrigerator seemed fun at the time, but looking back, I realize it was a recipe for disaster.

For ten years I ignored the growing bulge around my waistline and laughed as my pants sizes, and clothing purchases escalated with a regularity that kept my local Wal-Mart clothing department gainfully employed. But like a balloon, you can only fill it up so far before she blows. I had to find a way to shut the steamroller down before it ran me over.

Carrying the steamroller analogy a bit further, I knew if I could steal the battery, or somehow disable the starting mechanism, I could make it through the day without bingeing or grossly violating the rules of my diet. What I learned was that the best way to disable the bingeing steamroller machine was to not allow it to get started. That is, I recognized I was unable to stop eating after I started, therefore, I resolved to not get started to begin with. Dieting for me required cold turkey cessation of the snacking routine. I now limit my eating to scheduled meal times. I now eat three meals and two snacks per day. It’s not easy, and it takes desire, dedication, and determination to succeed.

You know that.

But what you may not realize is that the benefits of being physically fit make the pain, discomfort, and hassle of dieting worthwhile.

One day I stepped on the scale and nearly passed out when I read the numbers: 270. I shook my head in amazement and whispered to myself, “Congratulations Mr. Taylor, you are obese.” For the next 18 months following that momentous day, I dedicated myself to a diet of three meals and two small snacks per day, and found a way to get some exercise at least five days out of each week. It wasn’t easy, and yes, there were both good and bad days. Following the bad days I reconfirmed my desire to continue with my diet and refused to quit. In hindsight, I can see that the refusal to quit was much more vital to my success than the actual diet plan.

There are dozens, perhaps hundreds of diet plans available on the market today. You may even be working on one prescribed by your physician. In my opinion, any sensible diet that does not demand extremes in food limits, such as starvation diets, and emphasizes a well-balanced approach to reducing calorie intake and increasing calorie consumption (via exercise) is workable. If you have a specific medical condition, such as hyperthyroidism or diabetes, than of course you need to be working under a doctor’s diet, specifically designed for you and your condition.

The important thing, I believe, is for you to find a diet you are comfortable with, and that you can sustain as a way of life. Jumping from one diet to the next may be good for the booksellers and packaged food diet plans, but it is rarely effective in helping you to actually lose weight.

Here is the skinny on my weight loss, which you may or may not like to hear. Short of a specific medical condition, as I mentioned earlier, weight loss is a function of expending more calories than you consume. You can do this in any one of three ways:

1. Increase the amount of calories your body burns through regular exercise.
2. Decrease the amount of calories you eat.
3. Attack weight loss by both eating less and exercising more.

Every thing else you read or hear about dieting is a variation or elaboration of these three key points.

Additionally, I learned that successful dieters are patient dieters. It took ten years of binge eating and neglect for me to accumulate over 90 pounds in excess weight. But when I started my diet, I wanted the fat off immediately—that Thursday would have been fine. Sadly, it didn’t happen as I planned. It took 18 months of consistent, deliberate work. On a positive note, however, I felt the difference in my energy level and self-esteem within one week of diligently adhering to my diet. And as you will learn, it’s these small rewards of confidence and new energy that you will begin to feed on as you adapt to a new lifestyle.

There was no magical pill, ointment, food product, or ingenious piece of home exercise equipment that helped me along. In fact, I would still like my $39 back for that abdominal workout gizmo that tightened my love handles, but did not help me to lose a single pound. Make patience the first ingredient in your successful diet recipe book, and forget the gimmicks.

Forget the gimmicks. Forget the myths. Beginning today, you can change your life and have a positive impact on others who witness your success. As you lose weight and gain the energy, health, and vitality to enjoy an active life, those around you will inevitably ask: “How did you do it?”

Smile, and teach them the diet that helped me lose an incredible amount of weight in a ridiculously short amount of time. To Read About My Diet: Click Here!

Ron Taylor
“Lose 30 Pounds In 30 Days”
http://www.wealthsearch.org
Click Here!

How To Land a Grant

How To Get Some Of Uncle Sam's Money

The Federal Government and Private Grant Foundations issue billions of dollars in grant money to a variety of groups each year. Grants are awarded to individuals each and every day from all walks of life, with large and very small bank accounts, for an ever-increasing array of purposes.

Grant programs are not Loans. You decide how much you need. As long as the amount is lawful and you meet the Foundations and Government Agencies Requirements, the money is yours to keep and never needs to be repaid. This grant money is non-taxable and interest-free!

Grant programs don't require a credit checks, collateral, security deposits or co-signers, you can apply even if you have a declared bankruptcy or have bad credit. You as a tax payer and U.S. citizen are entitled to apply for this money.
Take a look at this site for more info:

Get Some Of Uncle Sam’s Money Here


Ron Taylor
Iroquois@getresponse.com

Blogs And Bucks: How To Make Money Blogging

A casual search on the key word “blog” returns over 1.3 billion links, and a search of the keyword phrase “how to blog” gives you 770 million results. With millions of people blogging everyday, your blog is virtually guaranteed to be lost in the sea of Internet variety and choice.

If you blog, the idea of marketing or promoting your blog should be a major concern. Successful bloggers improve the stickiness of their weblog with content that encourages both longer and repeat visits.

Like any conventional website, your ability to attract visitors is critical to your success in terms of ad click thrus or sponsorship. While blog pioneers with thousands of daily visitors have managed to monetize their sites, most of us languish in obscurity with hardly a visitor, much less sponsorship or ad driven revenue.

Recently several products have come online that promise to revolutionize the blogosphere with predesigned templates geared towards innocuous blending of text with sponsored links and banners. These products also assist you with keyword placement, headlines, content, and issues specifically aimed at search engine optimization (SEO). One product I have reviewed suggests you can turn an ordinary blog into a cash machine. According to the author of this product, revenues in the $4,000 range per month is very realistic. You can read about his offer at Blogging To The Bank.

While many of us came to the blogosphere with a desire to share content and ideas with others, with a “shareware” type attitude, I’m finding earning a little cash from my rants is a nice thing.

Fired Temp Worker Gets Revenge!

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Fired Temp Worker Gets Revenge!
Temping ain’t easy.

You work for minimum wage. Get the worse job assignments in the company. And, you can be replaced without justification at a moment’s notice.

In three years of temping, I did not accrue a minute of vacation time, or a dime’s worth of medical insurance. I shoveled cattle feed in the morning and its inevitable by-product in the evening, cleaned toxic waste filters the full-time employees wouldn’t touch, and chased bats from an attic that I honestly believe was haunted by a betrayed mistress. Like I said, temping ain’t easy.

But it was work. Honest work that put food on the table and paid the rent. And that’s about all it did.

Have you ever heard the expression, “living paycheck to paycheck?” During those three years I was the poster boy for living paycheck to paycheck. I don’t mean to bad mouth the entire temp industry. Temporary service agencies provide a valuable service for both employers and job hunters, and I’ve heard that some even offer bennies. But I don’t believe it was meant to serve as a long-term solution for anybody with an ounce of ambition.

To make a dreadfully long story short, I eventually got fed up with the nonsense and told one of my temp bosses what I thought of him and his haunted attic. Two minutes later I was being escorted off the property by a security guard—a temp worker himself if I remember correctly.

So after six years in fast food and three years in the temp business, it finally began to dawn on me that making the same mistakes over and over was not only proof of my thick skulled mentality, it was also proof that you cannot get ahead working to help somebody else achieve his or her goals.

Lately I have learned three important lessons from people like Robert Kiyosaki, Suze Orman, and David Bach. While each of these writers is unique, they all basically say the same thing:

1. Learn to spend less than you earn.
2. Buy appreciable assets that produce a positive cash flow.
3. And, find a way to create multiple streams of income.

One of the best ways I know of to achieve these three points is to own and operate your own business. Now this isn’t rocket science, and it doesn’t take the Bank of Switzerland, or an SBA loan for that matter, to get started. All it takes is a little initiative, sprinkled with a healthy dose of persistence, patience, and promotion. Take it from me, a small business gives you the ability to make money, build a residual income, and perhaps create wealth.

So, what was my revenge? Success. I left the temp business and started my own home-based business. Now I do the hiring and firing. Su-weet.

Ron Taylor
http://www.5grandmonthly.com
Iroquois@getresponse.com

Consumer Debt Is A Financial Killer!

Consumer debt is a financial killer.

One of the best ways to reclaim your financial future is to repay those high interest consumer loans and then restrict the use of credit cards to emergencies and fast investment cash.

Therefore, a crucial step in creating wealth is to reduce your dependence on credit cards and ensure future monthly payments on all of your cards combined never exceeds 10% of your after tax income.

Consumer debt is usually used to finance the purchase of “nice to have” things--which typically depreciate in value. Whereas, investment debt is the use of financing to purchase things which go up in value, like real estate, antiques, and well-run businesses.

Consumer credit increased at an annual rate of 2.5 percent in May 2006, while revolving credit increased at an annual rate of 10 percent. The Federal Reserve Statistical Release for July 10, 2006, indicates Americans currently owe over 808 billion dollars in revolving debt, which is principally credit cards and auto loans, and over 1.3 trillion dollars in non-revolving debt.

According to U.S. Bankruptcy Court statistics, there were well over 2 million bankruptcy flings made in 2005 alone, with the vast majority of these non-business related filings. Remember, there are approximately 123 million working Americans; therefore, this number represents nearly 2 percent of the working population. The abuse of credit cards by the American consumer has become a financial epidemic.

The propensity of Americans to assume high interest credit card debt, while fearing the use of debt to make intelligent investments, is mind-boggling. Consider this example. A new car may cost you up to $500 per month. At the end of 5 years, you will have a significantly depreciated car, with a loss of $30,000 or more in principal and interest payments.

Compare this to purchasing a rental property. In the worse case scenario, you may expect to make payments during vacancies, provide for unscheduled maintenance, and carry a negative cash flow from month to month. However, at the same time you will be enjoying a property that appreciates in value, while giving you a valuable tax write-off.

Appreciation and tax write-offs are not the primary reason to get involved in real estate, nor is carrying a negative cash flow a pleasant thought. But, in the long run, this is more advantageous to your wealth goals than the car loan.

As a credit consumer you should also protect yourself against the dreaded Universal Default Clause. Amazingly, a large percentage of major credit card issuers have this clause tucked into your user agreement.

Essentially, the Universal Default Clause allows your credit card company to significantly increase your interest rate and fees based on your credit score and payment history with other lenders, including your home and car loan.

Watch out for this clause and try to avoid doing business with credit card companies that use this tactic to prey on their less sophisticated customers.

Ron Taylor mentors home business entrepreneurs who are serious about building successful home businesses. To work with Ron, please visit www.5grandmonthly.com.



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How To Tell The Boss To Kiss Off

Wanna tell your boss to kiss off?

Just about everybody I know would say “yes” to that question. Sadly, according to IRS and U.S. Census data, about 96% of us will never be able to do that.

If you look at average household income data compared with consumer spending, one reason for this dilemma stands out—we spend more than we earn. Which basically means, we are too broke to quit our jobs.

The first step in the wealth building process is the most difficult. Spending less than you earn is an obstacle to success, and in my experience, trashes the dreams of more wealth builders than anything else.

Quite simply, if you cannot control your spending habits, you do not have the potential to achieve wealth—short of winning the lottery, landing a mega-millions sports contract, or inventing a cure for cancer. Here’s the challenge I’m laying down for you: Learn to spend less than you earn by either decreasing your expenditures or increasing your income.

Try not to focus on cutting out all the good things in your life or forcing a draconian budget on your family. Instead, cut out the obvious wasting of money, stop buying frivolous things on credit, and figure out how to make $300 to $500 extra each month, outside your current job. Please don’t think in terms of another part time job. Think in terms of what home-based business or investment can bring in the money.

There are literally hundreds of legitimate ways to make money at home, and I hope you can find the perfect opportunity to match your interests, skills, and income goals.

Ron Taylor
http://www.5grandmonthly.com



Click Here To Visit My Website

How To Get A Major Credit Card With Lousy Credit

Have you ever tried to rent a car or a hotel room without a credit card? How about making purchases on the Internet? Whether you like using credit cards or not, they are an important part of everyday life, and used responsibly, are a great financial tool you can use to build a business or cover day-to-day expenses.


The credit industry has a huge impact on the American economy, and as a consumer, you are an important link in this sector. Recent statistics estimate consumers carry nearly $2 trillion in consumer debt, with approximately $8,500 dollars serviced by each American citizen, and over $50 billion dollars in annual finance charges paid (which does not include home mortgages). With all of this credit, 22% of us do not qualify for credit cards, and approximately 1.5 million cardholders declare bankruptcy annually. While the numbers appear frightening, credit is a powerful tool, which when used properly, enables consumers to enjoy online transactions, travel, and even investing.


What this means to you is that overall the image of credit card debt is not really as bad as you may be led to believe by the media. Credit card companies are not on the verge of failure and continue to welcome new members at record rates. For people without credit cards, or poor credit ratings, the trick becomes one of convincing a credit card company that you are a worthy credit risk.


For the complete 13-page article on How to Get a Major Credit Card With lousy Credit, go to www.wealthsearch.org


Ron Taylor
www.5grandmonthly.com

Mining For Gold In Your Home Business

Back in 1848 the employee’s of Sutter’s Mill discovered gold in the rivers and hills around what is now Sacramento, California. Unable to contain their excitement, they ran to San Francisco and shouted to the rooftops, “There’s gold in them thar hills.”

Virtually overnight gold fever spread like wildfire around the globe. Thousands poured into California to strike it rich. And amazingly, many did.

Today we are experiencing the gold rush of our generation in the form of Internet marketing and home business opportunities. The time has never been better to enter the market and stake your claim to a piece of the action. However, just like the gold fields, the marketplace can be a dangerous place unless you are guided by a few basic principles.

As a lifelong entrepreneur, I have learned that following a few basic principles can dramatically increase the probability of achieving success. Following these principles can create an effect similar to the California Gold Rush, but rather than prospectors racing to the gold fields, customers will be racing to your home business opportunity.

The first principle the gold miners learned was that they had to know what they were looking for and where to find it. In modern day terms, this equates to identifying a niche market and understanding how to approach or access that market. A gold miner does not waste his time searching for gold in a salt mine, and you should not waste your time and money searching for wholesale meat customers in a room full of vegetarians. Identifying your niche market makes sense, but we tend to violate this basic principle of marketing everyday.

The gold miners recognized a second principle to mining success that you can use in your daily business. The act of prospecting means “looking” for good places to stake a claim. A gold miner would scour the mountains using a gold pan to test the richness of his “paydirt.” In marketing terms, prospecting means tracking your ads and promotions in order to measure their response rates and customer conversions. A miner would not waste his time digging for gold in an area that had a low payout, and likewise, you should not run ad campaigns in mediums with low customer conversions.

Perhaps the most important principle a miner learned was that gold settles to bedrock, and can only be found by digging through tons of dirt and debris. The lesson we can take from this analogy is that success in any home business or Internet marketing campaign will take work. Sure, the first prospectors found nuggets lying on the ground, just as the Internet pioneers capitalized from the dot com craze. But sadly, we live in a different world today. To find success toady, you will have to dig through a mountain of trash to find your pot of gold.

Despite the hardships, prospectors flocked to the gold fields by the thousands, and many struck it rich. You can find paydirt in your home business if you will identify your market niche, track and test your ad campaigns, and commit yourself to the hard work necessary to reach the bedrock.

You can subscribe to Ron Taylor’s business opportunity newsletter by sending a blank email to Iroquois@getresponse.com. He also hosts a website http://www.wealthsearch.org.

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FREE PDF eBook, 17 Principles of Creating Wealth

Get Your Free eBook Here!

“The 17 Principles of Creating Wealth”

Is it possible to become a millionaire in America today?

Yes you can.

There are over 4 million households in America with net worths in excess of 1 million dollars. The 17 Principles of Creating Wealth shows how anyone can become financially independent, starting from where they are at in life today. The information in this 59 page ebook is based on an extensive study of wealth in America and discusses the strategies and techniques used by hundreds of self-made millionaires.

This concise and detailed report provides 17 specific steps you can use to improve your financial intelligent quotient, create passive and portfolio income, and achieve financial wealth. These practical and time tested strategies show you how acquiring income producing assets and preserving a strong capital base can become the seeds of your success.

The 17 Principles of Creating Wealth is easy to read and apply, and offers a straightforward approach to accumulating wealth in America today. For your free copy of this book, please send an email to Ron Taylor at:

Rtaylor111@yahoo.com

Please be advised that I do not sell or transfer email addresses. I hate spam. I will not save or store your email address, unless you opt-in to my free newsletter offer.

3 Steps To Financial Freedom

There are 3 things you can do today to improve your chances on achieving financial freedom.

Achieving wealth in America is not about how much you earn, but how wisely you use what you earn. This article is aimed at helping you to both increase your income, and manage your money properly. Among other things, you will learn that spending more than you earn in an effort to impress friends and neighbors with your material possessions is a recipe for financial disaster.

Check Out Over 1,000 Money Making Opportunities In One Spot

Additionally, lacking the patience to invest for the long-term, develop action oriented goal statements, and failing to protect yourself with proper insurance and legal advice, are all indicators of poor financial management. Again, it’s not what you earn, but what you do with it that matters.

When it comes to wealth building and any business endeavor, one of the biggest obstacles you will encounter is the programming of your parents, friends, school, and media. Popular opinion has taught us that wealth and success comes to those who are lucky, or cheats. But these are all myths. In fact, over 85% of wealthy people in America earned their wealth through hard work, small business ownership, and careful investing.

One standard measurement of wealth is a six-figure income, which pertains to the number of digits in your annual income. A six-figure income equals anything above $100,000. According to the U.S. Census Bureau, in 2004, the number of households with income between $100,000 and $149,999 exceeded 11 million, 3.5 million American households had income between $150,000 and $199,999, 1.3 million households had incomes between $200,000 and $249,999, and 1.7 million households had income above $250,000 per year.

Unfortunately, the wealth of America cannot simply be measured by income.
According to an article written by David Francis and published in the May 23, 2005 edition of Christian Science Monitor, nearly 20% of American households have either zero net worth, or actually owe more than they are worth. Furthermore, according to Francis, 25% of American households do not have sufficient cash reserves or other assets to support themselves above the poverty line for three months, and 33% of households do not even have an active bank account.

What ever happened to the land of opportunity?

Americans are killing themselves with uncontrolled spending, easy credit, and a complete lack of budgeting or saving skills.

To create wealth I recommend you start a home-based business, learn to spend less than you earn, and invest the profits from your business income and savings for long-term growth and asset protection. You can learn more about the process of creating personal wealth by visiting http://www.wealthsearch.org.

Four Trends That Can Make You Wealthy

The wealthiest people in the world acquired their wealth through a careful recognition and exploitation of a major trend. For example, Bill Gates took advantage of the birth of personal computers and made billions by marketing software that enabled people to use their computer. Sam Walton took advantage of a trend in retail sales and developed a self-service, discount department store concept that became Wal-Mart.

Check Out Over 1,000 Money Making Opportunities In One Spot


We are at the brink of four major trends. These trends are the Internet, the aging of the world’s population, the exploding home-based business market, and the growth of the wellness industry.

First, the Internet is an exciting marketplace, made up of nearly 1 billion global users. People have become accustomed to using the Internet to purchase products, and have gained confidence in its security and ease of use.

Second, the world’s population is aging. One-third of the population was born between 1946 and 1962, and over 18,000 people turn 50 years old everyday. This offers a huge market potential for people who can address the needs of older adults.

Third, the home-based business craze is sweeping the world to the tune of over 14,000 new home-based businesses starting each day. People are coming to terms with the fact that Social Security and pension funds will not allow them to enjoy a standard of living that meets their expectations. In fact, the U.S. Census Bureau estimates most people in America will retire on less than $10,000 per year.

Fourth, people around the world have become more concerned with their health. There is a current trend to spend more money on natural or organic foods, and quality supplements.

In my opinion, creating wealth has never been easier for people willing and able to recognize and capitalize on these four trends. Find an Internet, home-based business that addresses the needs of older adults, and you’ll have a winner. The small banner below is one such opportunity.

Ron Taylor
http://www.wealthsearch.org

Social Networking Builds Success

For the home business entrepreneur networking is vital to your success. Liz Ryan hit the nail on the head with her latest update to her Young Entrepreneur series of articles.

While small business owners recognize the importance of social networking, the bigger corporate stiffs just don’t seem to get it. Liz’s article covers the kind of info you can use to get ahead, so check her out.

Read her complete article here:

http://finance.yahoo.com/career-work/article/102692/Network-Like-an-Entrepreneur




Ron Taylor
http://www.wealthsearch.org

Creating Wealth Takes Personal Action

Jeffrey Strain wrote a pretty good article about creating personal wealth in his TheStreet.com article titled “10 Commandments of Personal Finance. Okay, here’s the link:

http://biz.yahoo.com/ts/070726/10370223.html?.v=3&.pf=banking-budgeting

In my opinion, the first commandment is the most important. Strain commands that you must “take action” to achieve wealth. Yes. For all the positive attitude and secret formula gurus on the world, nothing happens until you take action—massive action.

If you are truly interested in building wealth, you need to make something happen. You can’t wait for somebody else to do it for you, and you can’t wait until everything is perfect before you start. Sometimes, you just have to start, and that’s where I agree with Strain. Thanks, man. Good article.


Ron Taylor
http://www.wealthsearch.org

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Whether you are looking to earn a few hundred or few thousand dollars a month, this is the home based business for you! Please take a few minutes to read some of the amazing testimonials from ordinary people living their dreams. Then, take a tour of the system for yourself and try if for FREE for 30 days!!

This is the work from home opportunity you've been looking for!! Take a free audio tour by clicking the small banner below:

Bottles Water Comes From Tap

Expensive bottled water nothing but tap water?

A debate for fair and clear labeling of food and beverage containers has pointed out that some of our favorite bottled waters have sources other than the crisp mountain spring you may have envisioned.

Despite the controversy, we continue to buy bottled water for its convenience and purity. Even it the bottled water comes from a tap, it runs through a purification process that leads me to prefer it over the public water fountain variety.

At issue is the environmental aspect of all the plastic bottles in our landfills, plus the fuel costs of transporting bottled water around the world. Read the article at the link below:

http://biz.yahoo.com/ap/070729/aquafina_tap_water.html?.v=2


Ron Taylor
http://www.wealthsearch.org

Finding Financial Freedom

One of my favorite pastimes is to crunch business opportunity and income producing numbers. If I wanted to replace a job that provided me with a $40,000 gross (before taxes) annual income, I would need to make $3,333 dollars per month, $769 per week, or $109 per day.

Think about that number, $109 per day. What could you do to make $109 working from home? If you can answer that question, you have the keys to financial independence and time freedom in your hand.

Keep an open mind and challenge yourself to give this number some thought. The solutions you come up with may be the next great marketing success.

Watch a video of my opportunity here:



Take a Look At My Home Business Here

Mind Freak At Work

How do you deal with the new co-worker who goes out of her way to get the boss's attention? Or worse, demonstrates a willingness to walk all over you and your friends to get the next promotion? I refer to people like this as Mind Freaks At Work. Everything they do is designed to freak you out, and put themselves ahead of you in the process.

Take heart.

These type of people are generally fast burners, and tend to leave organizations quickly if they don't get their way.

I suggest you outlast her.

Do your job. Stay focused on what you need to do. I have a motto in my office, "Don't Feed the Bear." What it means to me is don't feed into another person's desperate attempts to grab attention. When the bear realizes she won't get a free meal from you, in the form of your visible distress, she will move on to her next victim.

Another alternative is to leave the corporate world altogether. To do that you need to build a second income that can replace your job income. It’s not for everybody, but small business ownership can be a profitable way to escape the politics and games at work.

Watch a video of my opportunity here: www.5grandmonthly.com

Money Loves a Networker

Capitalism and personal wealth are built on the concepts of labor utilization and capital investment. In other words, using people and their money to build your empire. Note that I did not say "abusing" people and their money. When you use people you treat them fairly and with respect. When you use other people's money, you repay it, with interest.

When an empire builder uses other people's money and labor he multiplies his potential, much like a hand tool magnifies the strength and utility of your hand. Could you imagine taking lug nuts off your car without a wrench? Likewise, can you imagine building a business without the services of other people and their capital investment?

Finding success in a home-based business relies on the same principles of human and capital resources. Learn to network and the money will follow.

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Home Sales Drop

Home For Sale signs litter my street. From my front porch I can see three for sale signs, and if I walked around the block at least 20% of the homes in my neighborhood are for sale.

Just today the Commerce Department released some numbers that support my opinion that home sales are suffering. According to the g-man report, new home sales dropped by 6.6 percent in June. This number is three times what the so-called experts expected, and caps a horrible year in new home sales.

Why should you or I worry? Well, home sales are the pointy end of the consumer spear. A home sale leads to appliance, furniture, and landscaping sales, which translate into jobs and income. The decline in home sales should not be seen as a harbinger of doom, but do reflect a drop in consumer confidence that can create a trickle down affect on local economies. Home buyers will also see the decline in sales as a buying opportunity, and choose to wait out the inevitable price drops—thus compounding the problem.

Home Business Update

Life is good. On 26 July we added three people to the team, and had another three upgrade their account to the Executive level.

I've been surfing thorugh the Census Bureau and Small Business Administration websites looking at home business statistics. Here are some interesting numbers I found:

Over 85% of new millionaires in America did not inherit their wealth--they earned it, generally through business ownership.

Real median income of American households dropped over 2% in 2003. This trend continues and reflects how job holders are experiencing a drecreae in their effective take home pay.

IMO, the only solution is to own your own business. Business owners in America are becoming millionaires at a record rate, while the employed American is losing purchasing power. Starting a business is actually easier than you may think, and does not require a huge wad of cash. A home business is not for everybody, but if you're interested, click on my link below.


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Research Results For Home Business

Here’s a bit of info from the Small Business Admin people you may find interesting.

The research project identified two specific habits of successful home business owners, both of which seem fairly obvious and commonsense to me.

1. Home business startups are usually started on a part time basis until they have a chance to prove themselves and possibly replace the business owner’s job income.

2. Home biz folks tends to avoid opportunities that require large upfront investments or require purchase of large inventories that may not be returnable.

This all makes sense to me. I don’t buy or hold any stockpiles of inventory or equipment for my home business, and yes, I’m working it part time as I build an income. One day I hope my efforts will replace my job income.

Follow this link to get your copy of this June 2007 research project:

http://www.sba.gov/advo/research/rs304tot.pdf

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My Home Biz Progress

Finding Success In The Midst of Summer

In the midst of the late summer doldrums, things are moving along pretty good at the home business ranch.

This last few weeks we have managed to add 53 new members and had 8 people upgrade to Executive level positions. Hey, it’s starting to click, and I have my readers at myspace to thank for a portion of that success. Thank you.

What’s all the fuss about? Heck, all I know is that people like having an option to the traditional job market routine. A home biz isn’t for everybody, but for some it is the only way to go. Keep your day job for now, but look into starting your own biz as soon as possible.

http://www.automaticbuilder.com/bt45223/?source=blog

Build Massive Business Networks

The future of network marketing begins with you, today.

Network Marketing, also known as Multi-Level Marketing, offers an incredible opportunity to the go-getters of today’s marketplace. The concept has born the criticism of skeptics and been tested by time, as well as the courts. According to industry records, nearly $100 billion in goods and services are sold around the world each year via network marketing, and over 25 million people are involved as distributors. How big of a piece of this pie do you want?

Network Marketing is a viable tool for achieving lofty financial goals, but it does not come easily, nor is wealth assured for the greedy and dishonest. Network Marketing is not about using people, but about getting other people involved in the business as your partners. I won’t tell you recruiting people into your business will be easy, in fact it may be your biggest challenge, but according to national surveys, well over 90% of all adults in America dream of owning a home-based business.

There is nothing new about engaging other people to help you attain financial goals. Capitalists have known for generations that true wealth was built upon the shoulders of huge labor forces and the control of production machinery. Exploitation was the name of the game, and soft-hearted, philanthropic businessmen were often short-lived.

Adam Smith revealed the secrets of capitalism to the world in his book The Wealth of Nations. Smith’s book goes into painstaking details of the manufacturing process and how the use of capitalistic concepts, such as the division of labor, mass production, and the use of a carefully orchestrated labor force, can enrich the entrepreneur and allow the consuming society to benefit from higher quality products, sold at lower prices than what competitors offer.

Smith used the example of a pin factory to demonstrate how a one-man operation may be able to produce a handful of pins per day, where the individual steps in its production may include drawing a thin strip of steel from a spool, cutting it to size, flattening an end for the eye, sharpening an end for the point, and finally packaging it. Each of these steps, accomplished by one individual, takes a considerable amount of time, and the proprietor of the pin factory is limited in his sales by his production capacity.

Using Smith’s principles, a pin factory entrepreneur could hire five workers to complete the individual tasks of producing and packaging pins. The production capacity of this factory does not simply go up by five times, rather, because of specialization, the production capacity and product quality increases geometrically.
This is the beauty of mass production and the proper use of a labor force. In a sense, network marketing allows you to duplicate yourself through the efforts of a motivated workforce. What would you rather have: 10% of all the sales you could generate by yourself, or 2% of all the sales your network produces? Network Marketing harnesses the powers of capitalism Adam Smith wrote about over 200 years ago. Frederick Taylor’s scientific management theories provide a more recent example.

Frederick Taylor’s concepts of scientific management revolutionized how mass production was accomplished. Best known for his time and motion studies, Taylor demonstrated that the careful use of labor, through training and goal setting, could dramatically increase an organization’s production capacity. Likewise, through training, motivating, and deliberate goal setting, you can reap the benefits of explosive organizational growth and sales.

Until the development of network marketing, the keys to producing and selling a product were held by a handful of wealthy industrialists. In the early 20th century the common laborer considered himself lucky to hold a steady job and to receive a wage that could be stretched to meet the daily living needs of his family. Going into business for himself was an unlikely option, and at best was generally small mom and pop operations with little potential beyond Adam Smith’s one-man pin factory example.

Today, you have a chance to build your own empire, while helping other people at the same time. Unlike traditional business organizations, your success is dependent upon the success of the people within your personal organization, and the day you forget that, is the day your business will collapse. In network marketing, you do not exploit people; you help people. And in the process of helping other people realize their goals, your goals will magically fall into place also.

Fortunes are being made everyday in network marketing. Are you ready to step up to the plate and claim your piece of the game? Network marketing does not require you to be beautiful, college educated, or heir to an empire. All you need is the conviction to believe in yourself, and the gumption to get out and make something positive happen.

Ron Taylor helps people build business networks. You can explore his home-based business opportunity b clicking on the banner below:

Make Money At Home

Achieving success in any business endeavor, especially when it comes to making money at home, is about persistence, patience, and promotion.

Woody Allen was fond of saying “90% of success is showing up.” In business this can be interpreted to mean that joining or starting a business, versus not starting one at all, is the foundation for success. Obviously, if you never get around to starting a business, you can’t succeed in building a business. But the concept of persistence goes beyond just starting a business. True success lies in overcoming obstacles, learning from your mistakes, and never quitting.

To help you persevere in the face of adversity, it helps to be patient. Patience is definitely a virtue in the business community, as not everyone will see your vision, or rush to support your dreams of empire building. Knowing this upfront, it is easier to shrug off rejection, find ways around obstacles, and weather the storms of cash flow problems. Patience truly is the cornerstone of any success, as most legitimate business endeavors take time to develop and mature.

The third leg of your business success is the fuel that propels your business forward. Promotion is the art of sharing your business opportunity, product, or service with prospects. While the persistence and patience may be defined as character traits, your willingness and ability to promote is a learned skill. You need to study the marketplace, particularly your industry to know what works and what doesn’t. Try not to re-invent the wheel here. As a business startup you probably won’t have the budget to roll out risky promotional campaigns. Start small, copy the leaders in your industry, and never be shy about testing or tweaking your promotional packages.

In the end, successful business owners have proven themselves through a keen awareness of how persistence, patience, and promotion can build a cash machine. One way I have learned this lesson is through the building of my business with AutomaticBuilder. This marketing plan makes it easy for me to work an established and proven system to achieve success, and is helping me learn to make money at home.

You can take a look at this amazing system today by clicking on the banner below.

Why Can't I Get Rich?

People look at the wealthy and wonder, “Why can’t I be rich?”
Rather than ask, "Why Can't I be Rich?" why not ask yourself, "How Can I Become Rich?"
Achieving financial wealth is a process of doing the right thing over and over. We all know intuitively what these "things" are, but to remind you, here are some things you can start doing today to achieve wealth:
1. Starting today, spend less than you earn. By that I mean, you have to discontinue or severely limit credit card use in any case where the balance cannot be paid in full each month.
2. Reduce or eliminate your consumer debt by paying off all your credit cards as soon as possible. 3. Begin to save a minimum of 10% of your income. 30% would be better, but is not realistic for most of us. Tuck 10% of your pay into a savings account to start building a nest egg.
4. Once your savings account, money market fund, or CD has reached a level equal to at least six months' worth of your living expenses, begin to invest in appreciable assets.
Those are the basic steps. They are deceptively simple, but when properly applied to your daily lifestyle, they can produce dramatic results.
W. Clement Stone once stated that if you lack the ability to save, you lack the ability to become wealthy. Quite simply, spending less than you earn and managing to move your surplus income into an asset (saving, investment, etc) that provides you with a passive income source is the foundation of any wealth creation system. In George Clason's classic work, "The Richest Man in Babylon" he expands on the concept of saving 10% of your income and illustrates how compounding interest has the capacity to create financial wealth. If nothing else, saving part of your income gives you a nest egg to fall back on during emergencies.
Since you are apparently working online to learn more about creating personal wealth, you have the right idea of exploiting income opportunities. Expand on this. Start a home-based business and learn how to make money outside the typical second job routine. Do not use your extra income to buy what Robert Kiyosaki calls "doodads." Rather, use your extra income to fund investments in appreciable assets that provide passive or portfolio income.
One of the key suggestions of Michael Masterson in his book “Automatic Wealth” is that to achieve a million dollar net worth in less than seven years requires substantially increasing your income. Sounds logical. Masterson goes on to say the best way to achieve this goal is to start your own business. During the past few weeks I have helped 46 people start their own business. I invite you to take a look at my income opportunity by pasting the link below into your address bar.

http://www.automaticbuilder.com/bt45223