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.
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. You can learn more about these trends and opportunities by visiting http://www.wealthsearch.org.
Sunday
How To Make Money Online
I want to personally invite you to look into a company I represent. If you decide to join, you will be working directly with me.
You can work this business entirely online, or person to person—whatever you choose. You do not have to create a website like I have done to succeed. And, you will never be asked by me to harass your family or friends to buy product or join your business.
In fact, this totally unique opportunity does not require you to recruit or sell anything to see a profit. But, you’ll have to act fast.
During the month of May there is an incredible bonus plan in effect for members who join now.
This is a ground floor opportunity offered by a solid, debt-free company that has developed a revolutionary new pay plan.
You can make a profit without recruiting a single person or selling a nickel’s worth of product. Although you can increase your income by recruiting and marketing products if you desire.
Enjoy the benefits of a national marketing campaign sponsored by the company that funnels new members directly into your downline. That’s right—the company will recruit for you. New members are placed below existing members, so the sooner you join, the sooner you profit from tomorrow’s new members. Visit: http://www.automaticbuilder.com/bt45223
You can work this business entirely online, or person to person—whatever you choose. You do not have to create a website like I have done to succeed. And, you will never be asked by me to harass your family or friends to buy product or join your business.
In fact, this totally unique opportunity does not require you to recruit or sell anything to see a profit. But, you’ll have to act fast.
During the month of May there is an incredible bonus plan in effect for members who join now.
This is a ground floor opportunity offered by a solid, debt-free company that has developed a revolutionary new pay plan.
You can make a profit without recruiting a single person or selling a nickel’s worth of product. Although you can increase your income by recruiting and marketing products if you desire.
Enjoy the benefits of a national marketing campaign sponsored by the company that funnels new members directly into your downline. That’s right—the company will recruit for you. New members are placed below existing members, so the sooner you join, the sooner you profit from tomorrow’s new members. Visit: http://www.automaticbuilder.com/bt45223
Saturday
How To Make Money at Home
Making money at home and creating wealth is all about finding the right income opportunity based on your personal interests, goals, and skill set. But sometimes you have to experiment to find the perfect fit.
What creating wealth packages have you tried?
How many times have you been scammed or misled by an income opportunity?
What is the most expensive lesson you have learned in Internet marketing or any other make money at home offer?
Finally, what is your favorite method of making money at home? B favorite I mean “most profitable?
If you are interested in real estate be sure to read my entry on 5 Ways to Increase Your Home Value below.
What creating wealth packages have you tried?
How many times have you been scammed or misled by an income opportunity?
What is the most expensive lesson you have learned in Internet marketing or any other make money at home offer?
Finally, what is your favorite method of making money at home? B favorite I mean “most profitable?
If you are interested in real estate be sure to read my entry on 5 Ways to Increase Your Home Value below.
5 Ways To Increase Your Home Value
5 Ways To Increase Your Home Value
The quickest way to improve the value of your home is to add so-called “curb appeal” to your home.
I originally ran this article at ezinearticles.com. since then it has received several hundred views, and has been featured on the homepage of several websites. I wrote it in reply to a question about flipping house for profit and how to make money without having to put a lot of time and money into home repairs. Quite simply, changing the outside appearance of a home is a great start.
As in the other income opportunities discussed on this page, flipping houses for profit is an income opportunity that should only be tried if you can develop a passion for real estate. Are you interested in real estate? Do you have the skills to make home repairs, or assess the quality of subcontracted work? Finally, do you have the financial resources and time to wait out the cyclical nature of real estate investing?
Read the article below and tell me what you think. Tell the rest of us about your best real estate transaction.
Curb appeal is a subjective judgment of your home's value based on its appearance from the street. As prospective buyers drive by your home they are essentially, "window shopping." And as any retailer can tell you, if the customer is not impressed by your display, he or she will not come in.
You can improve the curb appeal of your home by doing five simple things:
1. Spruce up the landscaping. 2. Repair sagging porches. 3. Remove or replace old fences. 4. Paint your door and trim. 5. Clean and repair old driveways.
Sprucing up the landscaping begins with trimming trees and bushes that have grown out of control or block the view from windows. Hedges should also be trimmed to appear uniform and well manicured. Finally, pull the weeds and fertilize the grass. Your overall attempt here is not to spend a fortune on landscaping, rather, you want to create the impression that the yard is neat, clean, free of any junk or trash, and is well maintained.
Sagging porches are an eyesore and tell prospective buyers a lot abut the structural integrity of your home. Take a close look at your porch from the street. Is the roofline square with the house roof? Are the steps, rails, and floor boards sturdy and in good repair? As in landscaping, your porch is immediately visible from the street and can provoke a powerful positive or negative impression of your home.
Robert Frost taught us that fences make good neighbors, but an old fence can also destroy your home's curb appeal. Over time fences lose their beauty due to loose boards, leaning posts, broken gates, and weed growth. If your fence is beyond repair, you may be better off totally removing it.
Short of repainting your entire home's exterior, it can pay you dividends in the form of enhanced curb appeal to at least paint the front door and the window and roof trim. Keep the color traditional and be sure to clean up any paint smudges or spills. Doors can also be improved by changing worn knobs with impressive looking brass knobs and knockers. You may also want to replace your house address numbers with oversize numbers that tastefully contrast with your trim paint.
Does your driveway look like the Exxon Valdez ran aground in front of your home? Cracked and greasy driveways and sidewalks are a major turnoff to homebuyers. Remove any broken down or unsightly vehicles from the property, repair cracks and fissures in the concrete, and clean the oil spills with an environmentally friendly degreaser.
Curb appeal is considered one of the top ten factors in home valuations. Before listing your home for sale, ensure the landscaping, porches, fences, paint, and driveway are cleaned and repaired. To learn more about home values, making money at home, and other income opportunities visit http://www.wealthsearch.org. Nothing sells a home faster than curb appeal.
The trick to surviving an economic crunch is to prepare by learning to spend less than you earn. Use any surplus income you have to create a safety net-that, is, cash in the bank. Ideally, this safety net should equal at least 6 months worth of your living expenses.
I know this is not realistic for most of us, and it may already be too late to prepare for some of us. If you are in the depths of an economic crunch, you have to figure out how to both cut your current spending and increase your income.
Start by cutting out the luxuries you enjoy, but could live without. This list may include dropping bad habits like smoking, drinking, gambling, eating out, and buying things to impress friends and neighbors. I know none of this sounds like fun, but desperate times.
Once you have gained control of your spending, including rampant credit card use, it is time to find sources of additional income. I don't advocate looking for a second job, but for some of us this may be a good alternative. If you can swing it, find a job working for tips so you can go home every night with some cash in your pocket. Outside the second job curse, you need to look into low cost and low barriers to entry Internet business opportunities. Look at places like Survey Savvy, Send Earnings, Helium, Clickbank, and Squidoo for blogging and paid survey opportunities.
For the long-term, get your financial act together by continuing to spend less than you earn, set up a savings plan, develop some action oriented goals, and invest in appreciable assets. To learn more about creating wealth and exploring various income opportunities, visit http://www.wealthsearch.org.
The quickest way to improve the value of your home is to add so-called “curb appeal” to your home.
I originally ran this article at ezinearticles.com. since then it has received several hundred views, and has been featured on the homepage of several websites. I wrote it in reply to a question about flipping house for profit and how to make money without having to put a lot of time and money into home repairs. Quite simply, changing the outside appearance of a home is a great start.
As in the other income opportunities discussed on this page, flipping houses for profit is an income opportunity that should only be tried if you can develop a passion for real estate. Are you interested in real estate? Do you have the skills to make home repairs, or assess the quality of subcontracted work? Finally, do you have the financial resources and time to wait out the cyclical nature of real estate investing?
Read the article below and tell me what you think. Tell the rest of us about your best real estate transaction.
Curb appeal is a subjective judgment of your home's value based on its appearance from the street. As prospective buyers drive by your home they are essentially, "window shopping." And as any retailer can tell you, if the customer is not impressed by your display, he or she will not come in.
You can improve the curb appeal of your home by doing five simple things:
1. Spruce up the landscaping. 2. Repair sagging porches. 3. Remove or replace old fences. 4. Paint your door and trim. 5. Clean and repair old driveways.
Sprucing up the landscaping begins with trimming trees and bushes that have grown out of control or block the view from windows. Hedges should also be trimmed to appear uniform and well manicured. Finally, pull the weeds and fertilize the grass. Your overall attempt here is not to spend a fortune on landscaping, rather, you want to create the impression that the yard is neat, clean, free of any junk or trash, and is well maintained.
Sagging porches are an eyesore and tell prospective buyers a lot abut the structural integrity of your home. Take a close look at your porch from the street. Is the roofline square with the house roof? Are the steps, rails, and floor boards sturdy and in good repair? As in landscaping, your porch is immediately visible from the street and can provoke a powerful positive or negative impression of your home.
Robert Frost taught us that fences make good neighbors, but an old fence can also destroy your home's curb appeal. Over time fences lose their beauty due to loose boards, leaning posts, broken gates, and weed growth. If your fence is beyond repair, you may be better off totally removing it.
Short of repainting your entire home's exterior, it can pay you dividends in the form of enhanced curb appeal to at least paint the front door and the window and roof trim. Keep the color traditional and be sure to clean up any paint smudges or spills. Doors can also be improved by changing worn knobs with impressive looking brass knobs and knockers. You may also want to replace your house address numbers with oversize numbers that tastefully contrast with your trim paint.
Does your driveway look like the Exxon Valdez ran aground in front of your home? Cracked and greasy driveways and sidewalks are a major turnoff to homebuyers. Remove any broken down or unsightly vehicles from the property, repair cracks and fissures in the concrete, and clean the oil spills with an environmentally friendly degreaser.
Curb appeal is considered one of the top ten factors in home valuations. Before listing your home for sale, ensure the landscaping, porches, fences, paint, and driveway are cleaned and repaired. To learn more about home values, making money at home, and other income opportunities visit http://www.wealthsearch.org. Nothing sells a home faster than curb appeal.
The trick to surviving an economic crunch is to prepare by learning to spend less than you earn. Use any surplus income you have to create a safety net-that, is, cash in the bank. Ideally, this safety net should equal at least 6 months worth of your living expenses.
I know this is not realistic for most of us, and it may already be too late to prepare for some of us. If you are in the depths of an economic crunch, you have to figure out how to both cut your current spending and increase your income.
Start by cutting out the luxuries you enjoy, but could live without. This list may include dropping bad habits like smoking, drinking, gambling, eating out, and buying things to impress friends and neighbors. I know none of this sounds like fun, but desperate times.
Once you have gained control of your spending, including rampant credit card use, it is time to find sources of additional income. I don't advocate looking for a second job, but for some of us this may be a good alternative. If you can swing it, find a job working for tips so you can go home every night with some cash in your pocket. Outside the second job curse, you need to look into low cost and low barriers to entry Internet business opportunities. Look at places like Survey Savvy, Send Earnings, Helium, Clickbank, and Squidoo for blogging and paid survey opportunities.
For the long-term, get your financial act together by continuing to spend less than you earn, set up a savings plan, develop some action oriented goals, and invest in appreciable assets. To learn more about creating wealth and exploring various income opportunities, visit http://www.wealthsearch.org.
Friday
Income Oppportunities Opinion
Tell me what you think.
According to U.S. Census data and IRS records, millions of people around America, and the entire world for that matter, are turning to home-based business as a way to make money at home and create wealth.
But which ones are worth a hoot?
Is the Ultimate Wealth Package any good?
How about The Rich Jerk?
Give me some feedback. Comments are open to everybody.
According to U.S. Census data and IRS records, millions of people around America, and the entire world for that matter, are turning to home-based business as a way to make money at home and create wealth.
But which ones are worth a hoot?
Is the Ultimate Wealth Package any good?
How about The Rich Jerk?
Give me some feedback. Comments are open to everybody.
How To Get a Credit Card With Bad Credit
How To Get a Credit Card: Guerilla Tactics For The Credit Impaired
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.
Approximately 90% of all creditors in the U.S. use a standard scoring system to automate the approval process. This number is known as your FICO. FICO stands for Fair Isaac Corporation, its original creator. Here are some interesting facts about FICO scores that may help put your current credit status in perspective:
Median FICO score: 723
FICO scores range from a high risk of 300, to a low risk of 850. The higher your score, the better.
FICO scores are determined using a formula that looks at income, money owed, payment history, and types of credit used.
To arrive at this number they use information about your credit history, home ownership, income, and seemingly insignificant things like having a telephone, or an established bank account. Basically, creditors are looking for stability. They want to issue cards to people with jobs and obligations.
The Application Rating Process
The first thing you should know is that creditors typically use the FICO to analyze your creditworthiness, but how FICO scores are interpreted may vary. That in itself can work to your advantage. You could be rejected by one company's scoring system and approved by another. One creditor's system may view your current income or cause for past payment delinquencies differently than another, while others will only look at the FICO and not go beyond this superficial judgment of your creditworthiness. Underlining the importance of FICO scores, recent sub-prime lending laws promise to further restrict access to credit to those with poor FICO scores.
Banks and other lending institutions make money by loaning money to you, with interest and fees. Keep in mind that their motive is to make a profit; therefore, it is a never ending struggle for them to find credit worthy clients to issue their to. The bottom line is, they want your business. Your job is to convince them you are worth being added to their client list, and the purpose of this report is to help you become more appealing to their marketing department. Since your credit report is given a numerical score, based on a formula created by the Fair Isaacs Corporation, also known as your FICO, you need to know what you can do to increase that number. The average American FICO score is 675, which is not necessarily that high.
Your residential status is one of the primary measurements of your FICO. Banks love stability, so they primarily market to homeowners, and people who have lived in the same location for several years. A transient lifestyle (moving every year or so) is not conducive to good credit. Nor is renting an apartment. If you have a history of making late payments, or defaulting on prior loans, owning a home, or at least being able to claim homeownership, is virtually a requirement.
That doesn't mean you should lie on your application. It simply means you should be aware that being compatible with certain stereotypes that will work in your favor. Remember, a creditor can still verify the information you list in an application. Still, many people will twist the truth to put themselves in a favorable position.
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.
Approximately 90% of all creditors in the U.S. use a standard scoring system to automate the approval process. This number is known as your FICO. FICO stands for Fair Isaac Corporation, its original creator. Here are some interesting facts about FICO scores that may help put your current credit status in perspective:
Median FICO score: 723
FICO scores range from a high risk of 300, to a low risk of 850. The higher your score, the better.
FICO scores are determined using a formula that looks at income, money owed, payment history, and types of credit used.
To arrive at this number they use information about your credit history, home ownership, income, and seemingly insignificant things like having a telephone, or an established bank account. Basically, creditors are looking for stability. They want to issue cards to people with jobs and obligations.
The Application Rating Process
The first thing you should know is that creditors typically use the FICO to analyze your creditworthiness, but how FICO scores are interpreted may vary. That in itself can work to your advantage. You could be rejected by one company's scoring system and approved by another. One creditor's system may view your current income or cause for past payment delinquencies differently than another, while others will only look at the FICO and not go beyond this superficial judgment of your creditworthiness. Underlining the importance of FICO scores, recent sub-prime lending laws promise to further restrict access to credit to those with poor FICO scores.
Banks and other lending institutions make money by loaning money to you, with interest and fees. Keep in mind that their motive is to make a profit; therefore, it is a never ending struggle for them to find credit worthy clients to issue their to. The bottom line is, they want your business. Your job is to convince them you are worth being added to their client list, and the purpose of this report is to help you become more appealing to their marketing department. Since your credit report is given a numerical score, based on a formula created by the Fair Isaacs Corporation, also known as your FICO, you need to know what you can do to increase that number. The average American FICO score is 675, which is not necessarily that high.
Your residential status is one of the primary measurements of your FICO. Banks love stability, so they primarily market to homeowners, and people who have lived in the same location for several years. A transient lifestyle (moving every year or so) is not conducive to good credit. Nor is renting an apartment. If you have a history of making late payments, or defaulting on prior loans, owning a home, or at least being able to claim homeownership, is virtually a requirement.
That doesn't mean you should lie on your application. It simply means you should be aware that being compatible with certain stereotypes that will work in your favor. Remember, a creditor can still verify the information you list in an application. Still, many people will twist the truth to put themselves in a favorable position.
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