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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
Wednesday
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.
You can review all the details regarding the Nutronix payplan, products, and company info by visiting the site below.
Click Here To Review The Nutronix Payplan and Products at AutomaticBuilder
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.
You can review all the details regarding the Nutronix payplan, products, and company info by visiting the site below.
Click Here To Review The Nutronix Payplan and Products at AutomaticBuilder
Sunday
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
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
Saturday
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
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
Friday
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.
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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Thursday
FREE PDF eBook, 17 Principles of Creating Wealth
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“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.
“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.
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