How Most Millionaires get to be Millionaires

How Most Millionaires get to be Millionaires...
by: Daegan Smith

Why do so many people claim that money isn’t important? Why is there this notion that wanting money somehow makes you an ill adjusted bad human being? It’s such a strange thought pattern don’t you think?

Wanting more money in your life doesn’t mean you’re a bad person. It doesn’t mean you’re greedy either. It just means you want more out of life. You want more freedom. You want more security. You want more fun. Whatever it is, you just want more. Money is just simple a means to that end.

I hoe I don’t let the cat out of the bag, but that’s what this whole home business gig is anyway. Someone sells you on the idea that you can make tons of money working from home as an independent contractor or distributor for this company or that. And, it’s not that you ever buy into the promise that the home business is selling, but you take a leap of faith and give it a try.

We start small, maybe $20 for a book about real estate investing. I know my first brush with the thought that I could be independently wealthy working from home was when I came across an ad for the ebook Googlecash (if you don’t know what I’m talking about just do a quick google search). The idea seemed so easy and so low risk I figured why not give it a try.

That was the beginning, almost a year ago. Here I am now writing to you about my home business experiences. In that time, I’ve bought an apartment building and learned just about everything there is to learn about starting and running a business from home. And guess what? If you haven’t caught on to this yet, no matter what the ads tell you, no home business is as simple or as cheap as the ad would have you believe. But I digress.

Let me get to the point though. Let’s discuss the title of this little article. Most millionaires become millionaires by starting a small business, saving their revenue, and then investing. It really is that simple. Let me say that again, all you have to do to become a millionaire is start a small business, save, and invest.

So, what do millionaire look like? Well, most are in their sixties and living the same type house that you and I live in. They look like us. They dress like us. They are us. The only difference is they have a whole lot more money in the bank.

Here’s a fact that I hope will hit home. There are twice as many millionaire small business owners than there are millionaire doctors or lawyers combined. So, if you own a home based business or you’re thinking about checking out some legitimate home based business opportunities then your on the right track. Just stick with it and don’t give up!

Remember most millionaires are get to be millionaires by being just like you and me, they’re home business entrepreneurs!



About the author:
Daegan Smith is the Ex-NCAA Wrestler Turned Webmaster of
Perfect Home Based Business Opportunities - The Internet's Top Home Based Business Opportunities Free Information Resource!

How Most Millionaires get to be Millionaires

How Most Millionaires get to be Millionaires...
by: Daegan Smith

Why do so many people claim that money isn’t important? Why is there this notion that wanting money somehow makes you an ill adjusted bad human being? It’s such a strange thought pattern don’t you think?

Wanting more money in your life doesn’t mean you’re a bad person. It doesn’t mean you’re greedy either. It just means you want more out of life. You want more freedom. You want more security. You want more fun. Whatever it is, you just want more. Money is just simple a means to that end.

I hoe I don’t let the cat out of the bag, but that’s what this whole home business gig is anyway. Someone sells you on the idea that you can make tons of money working from home as an independent contractor or distributor for this company or that. And, it’s not that you ever buy into the promise that the home business is selling, but you take a leap of faith and give it a try.

We start small, maybe $20 for a book about real estate investing. I know my first brush with the thought that I could be independently wealthy working from home was when I came across an ad for the ebook Googlecash (if you don’t know what I’m talking about just do a quick google search). The idea seemed so easy and so low risk I figured why not give it a try.

That was the beginning, almost a year ago. Here I am now writing to you about my home business experiences. In that time, I’ve bought an apartment building and learned just about everything there is to learn about starting and running a business from home. And guess what? If you haven’t caught on to this yet, no matter what the ads tell you, no home business is as simple or as cheap as the ad would have you believe. But I digress.

Let me get to the point though. Let’s discuss the title of this little article. Most millionaires become millionaires by starting a small business, saving their revenue, and then investing. It really is that simple. Let me say that again, all you have to do to become a millionaire is start a small business, save, and invest.

So, what do millionaire look like? Well, most are in their sixties and living the same type house that you and I live in. They look like us. They dress like us. They are us. The only difference is they have a whole lot more money in the bank.

Here’s a fact that I hope will hit home. There are twice as many millionaire small business owners than there are millionaire doctors or lawyers combined. So, if you own a home based business or you’re thinking about checking out some legitimate home based business opportunities then your on the right track. Just stick with it and don’t give up!

Remember most millionaires are get to be millionaires by being just like you and me, they’re home business entrepreneurs!



About the author:
Daegan Smith is the Ex-NCAA Wrestler Turned Webmaster of
Perfect Home Based Business Opportunities - The Internet's Top Home Based Business Opportunities Free Information Resource!

Refinancing Home Mortgage Loans the right way

Refinancing Home Mortgage Loans the right way

A recent survey shows that there are two things that always top the list of expensive things that a person will ever purchase. The first is a home and the other is a car.



When money is needed to finance tuition in school or for someone in the family to undergo an operation, the only thing to do will be to get a refinancing home mortgage loan.



There are two reasons for this. The first is that the property of a home never depreciates unlike the car. The other is there is a lot of money that can be borrowed for other things.



An example is the price of an $110,000 home. Maybe the person has paid the bank $56,000 already which is more than half of the whole amount due. The individual can get the whole amount through a mortgage to pay off the bank, use the money for the operation and still have some around.



The interest might even be slightly lower than what is currently being paid to the bank which will save the person some money in the long term.



Is it hard to refinance the home? The answer is no. The person should just course this through a broker or go straight to the mortgage company. Most people go straight because this is better than paying off a middleman to do the legwork.



The individual may know friends or family members that know a legitimate firm to approach. The person can also surf the Internet or use the directory to find one of these offices.



The person will have to bring some papers to prove that the lot is in the name of the owner. Some credit sheets should also be brought to make the lending company believe that the loans can actually be paid back by the individual.



Even before the person can get a loan, some calculation will give an idea how much cash can be acquired. The first thing to do will be to check current interest rates which can be found in the newspaper.



The money that the person still owes the bank should be calculated with how much at the new interest rate. By having an idea of how many months and years this new loan and at what rate, the individual will have an idea how long it will take to recoup this investment.



The home is considered the person’s castle especially if one owns this and is not renting space from someone else. The reason that people avail of this is not because one is bankrupt. There is just not enough money to take a big step forward.



There are certain benefits from refinancing the home and the person should review this by crunching some numbers to see if this is a good option.



This can be used to pay off the housing loan at a much lower interest rate and make the person debt free from other obligations such as credit card bills which are still pending. A lot of people avail of this because this serves as deductions when it is time again to file for income tax.



The person can read up and ask around to get more information before deciding on talking with a mortgage company and signing on the piece of paper.

The Power to Succeed

"The Power to Succeed"
by: Neil Millar

It’s amazing how we fool ourselves... while at the same time believing we are doing what’s best.

Let me give you an example. I overheard a guy telling a group of friends, over drinks, how he had become fed-up with work. Guys being guys, they immediately started to come up with options to fix the problem – ideas like changing company and changing jobs. That was when the guy got all logical…

‘Yeah, but I need to pay the mortgage and my kid’s education and we’ve got a holiday planned for the Bahamas and…’

I interrupted. ‘How much do you need?’

‘A hundred grand a year,’ he replied.

‘What’s more important,’ I asked, ‘your happiness or the money?’

Of course he said happiness. Then he got all logical again. ‘But I can’t be happy unless I can pay the mortgage and give my kids the best and have great holidays.’

‘How many hours do you work?’

‘Around fifty.’

‘And how do you feel when you get home?’

‘Tired.’

‘What would your kids prefer, a father who is worn out for forty eight weeks of the year but has four weeks to entertain them per year or a dad who is a real Dad all year round?’

The conversation went on, me questioning, him justifying what he perceived as logic.

Yet it’s not logic, is it? It’s not logic to deny your heart’s desire to change life when it’s hurting you. The mortgage, the kid’s education, the holidays are just stuff. And, like most people find after a heart attack or a divorce or an accident, is that this ‘stuff’ is not that important. What’s important is something else…

Life!

The problem is we got “Conditioned Logic” – “logic” transferred to us by society: friends, family, schools, college, the media, religion etc. We took it all on and felt we had to behave in a “conditioned” way. The repetition of that conditioning is fine for a while, but when we end up doing something we don’t love, each time we do it takes a little of the soul away. Let me put it another way.

What gives you the power to succeed is what you perceive to be logic. Real power is not necessarily doing what society dictates. Real power is often something else. It is that knowing that comes from nowhere to tell you, you must do something different.

It might seem logical to have the house, the car, the private education, the holiday, but is it powerful. What is powerful is, to say I am not happy and things must change; I’m not killing myself for forty-eight weeks just for four weeks of pleasure; I’m not excited by my work and I’m willing to live in a smaller home if it means I can have more peace, less stress and fall back in love with my partner.

It’s not all about the stuff, is it? It’s about happiness and love; happiness and love of your partner; happiness and love of your children and family; happiness and love of your work. If you have that then you have it all.

Now that’s the power to succeed!

Does your current way of living support that?

Best wishes

Neil



--------------------------------------------------------------------------------
About the author:

Inspiration and thoughts that are often mind-bending can be found at Neil Millar’s website www.neilmillar.netyou can also sign-up to his Life Purpose newsletter with Unstoppable Life and obtain a copy of one of his books FR>EE.

5 Instant Income Streams That No One Knows About

5 Instant Income Streams That No One Knows About
by: Tukshad Engineer


Something truly dramatic has happened over the past couple of decades. The world has made a transition from the industrial age to the information age, and the income rules that used to apply a few decades ago have now been blown apart. Possibly the biggest myth in personal wealth creation today is that you should focus on one thing for your income. We are all trained into believing that in order to be successful you need to train in a chosen profession. Then get a "good job" within that industry and slog your way up the corporate ladder. In other words we are all programmed to compete and succeed at the rat race by our parents, the school system and our peers. The simple truth however is that very few people gain either happiness or financial stability by using this cruel, tired old formula. And whichever way you look at it, the problem with the rat race is that even if you win, you're still just a rat.

If you wish to gain happiness and financial independence then you need to find new income sources and this insiders report will help you do just that. I am not advising that you rush to work tomorrow, throw hot coffee at your boss's face while quitting to start up new ventures – everything takes time. But you should certainly consider using a wide number of different methods to provide income streams for you. Do not fall into the trap of depending on one source of income for your livelihood. Look around and you will discover that there are hundreds of different and very feasible ways of making money. The key is to educate yourself and then take action.

So what are the five income streams that you can set-up immediately to earn a constant stream of income? We'll look at these one by one:

(1) Arbitrage – Do you know that the internet age has resulted in thousands of online bookmakers all competing for your money? Now if you are not a gambling man do not worry because arbitrage is an investment concept that can be used to derive a guaranteed 5% to 20%+ profit within a few hours with no possible chance of losing your original cash. How is this possible? Well online bookmakers often have huge differences in opinion on the same sporting events – this creates some incredible anomalies in the way that certain sporting events are priced between different bookmakers. This is great news for us because everyday these anomalies allow us to invest money on all sides of a sporting event so that no matter who wins/loses/draws we can walk away with a risk free and guaranteed profit. These arbitrage opportunities are present many hundreds of times each week and the beautiful part is that you can find them in as little as five minutes per day once you know how. This is one of the least known and used income sources around and one that you should certainly set-up and profit from.


(2) Recycling Cell Phones For Profits – Last year over 100 million cell phones were replaced. Only a tiny fraction of those were recycled. Many end up tossed away at the bottom of peoples attics, or are simply thrown away. Did you know that each old cell phone is worth up to $70 (although on average this is closer to the $20 mark)? Cell phones are a multi-billion dollar business and that trend is growing on a global level – governments are beginning to offer incentives for those who are willing to recycle their phones and recycling companies are now setting up and offering a decent level of cash per phone that they receive. As an individual there are some very powerful ways of collecting hundreds of phones per week and selling these on for some monster profits. The start up costs are practically zero and this is a business you can operate from home.

(3) Importing Goods From India And China – If you want a very solid, profitable and enjoyable work-from-home business then this is it. Some of the most popular goods cost a fraction of the cost that they are available for in UK/USA/Europe – for example I regularly have access to top quality items from India that cost me 95% less per item than in the UK. One of the best things about importing for profits is that once you setup a product and find a supplier, you have secured an income stream that lasts, often, for years into the future. There are literally MILLIONS of products that can be imported profitably into your home country – finding suppliers is not very difficult and you can boost your income further by selling them on auction sites such as ebay. There are also other benefits when you operate an import/export business from home – you can write off travel expenses against profits and the set-up costs are actually very low. Get involved today.


(4) Reselling Works In The Public Domain – Have you heard of the public domain? Maybe. Did you know that there are literally millions of books, videos, plays, courses, music and more that exist within the public domain that you can legally take, brand as your own and sell to keep 100% of the profits? Did you know that there are online sites that actually GIVE you text documents of public domain works – you just download the document and you're ready to repackage it into your own product. Not a lot of people know that Walt Disney created the Disney empire out of a story that he found on the public domain – it is simply a treasure trove of cash waiting to be discovered.


(5) Ebay – I know it is hardly "unknown" but it really had to be mentioned - If you have not ventured into this incredible opportunity, you really ought to. Receiving over 1.5 billion page views a month and 9000 new customers everyday, ebay is a seller's dream. No matter what you wish to sell, there is a buyer waiting for you on ebay. There are powersellers who are making $100,000 and more per year with ebay – and if they can do it the simple fact is so can you. Simple, addictive and fun you should setup your ebay income stream today.

So there you have it – five instant income streams that you can setup today to earn an immediate online income with little or no capital. Now that you know about them the next (and most important) step is to actually start (something that sadly 95% of the readers statistically will not do). Remember, that once you set-up a new income stream it will derive cash for you years (if not decades) into the future. Don't be lazy – get started today!

Copyright © 2005 Tukshad Engineer

Resource box: Download the groundbreaking "5 Red Hot Income Streams That No One Knows About" ebook for F-R-E-E and set-up your internet income streams today:
http://www.global-ebooks.com/incomesecrets.htm

Make Money Online with a Website

5 Powerful Ways to Make Money Online with a Website
by: Michael Turner


There are many ways to make money online and the best way for you is to simply be creative with your skills, knowledge, and abilities. However, the following five options are powerful ways to make money online with a website and definite something you should consider.


#1 Knowledge


You can always sell your knowledge, which many times is the best way if you are an “expert” of any type or subject matter. People are looking for your knowledge and input, regardless if it is self taught, learned in college, or wherever. People are always looking for answers online, so if you sell your knowledge you can simply make money from what you know.


#2 Affiliate Programs


Become an affiliate for products based on your website theme and then simply promote these programs where you earn money from referrals. It is easier than it sounds and only takes you creating a website full of rich content.


#3 Hard Goods


Selling hard goods is a traditional way of making money and it transfers to the online forum as well. No matter what hard goods you have to sell you can certainly find a buyer online. Create a website that focuses on your goods, have a good shipping plan in place, and then start selling online.


#4 E-books


Selling e-books, articles, and other written materials is also a powerful way to make money online and if you are good at writing it is certainly something you should consider. You can have your own website selling pre-written topics or else you can also write on demand, whatever works best for you and your web business.


#5 Auction Goods


Auction web sites are also very powerful ways to make money. The reason for this is you can sell a wide variety of products, do not necessarily need your own website although it helps, and can change your products from time to time as you need to. Many people enjoy working and selling via auction sites because any number of things can be sold from old personal items to new products as well.



The best way for you to make money online is for you to do something that you like and enjoy. When you do some thing you like and enjoy you will be able to commit yourself to doing it fulltime. The reason for this is working online can be difficult at times and if you do not enjoy it then it will be difficult for you to be successful making money via your website.




About the author:
Michael Turner shows you exactly how to increase web site traffic in his free 7 part mini-series. Grab it today at http://www.powertraffictactics.com/

10 Tips For Web Success

10 Tips For Web Success
by: David Risley

The webmaster's biggest job is to get their traffic up and keep customers/visitors coming back. Building the site is one thing, but simply building and posting a website does not guarantee traffic. In fact, a website could be beautiful and an example of all the latest technology and still not attract a single visitor if not promoted correctly. Here are 10 tips to guide you to success with your website.

(1) The internet is a new medium.

At least compared to print, it is. A website is a waste if it simply re-hashes something which could easily be put into print. Don't have the site be just an online brochure. Put up features which take advantage of the internet as a medium of communication. Filter information for them. Provide search capability. Provide interactivity with features like forums, quizzes and tools. Web visitors like to interact.

(2) Treat the Customer's Time as Valuable.

When a person visits your website, you have their attention for that point in time. You either need to use it or you will lose it - fast. Most visitors have short attention spans, what you need to design your site homepage so that it grabs their attention and provides what they are looking for right away. Its like walking into a restaurant. If you walk in and just stand there and nobody comes to greet you, you might wonder what is happening. But, if the hostess comes and greets you right away and walks you to a table, then you will be there for awhile and eat. The same analogy goes for websites. Don't overcomplicate your website homepage. Best results will be obtained if you make it very clear where to click to find what they need.

(3) Design the site for customers, not the company.

Your site needs to satisfy the needs of customers, not the company. So, don't post content which is not really useful to the site's customer. And avoid over-flattering marketing hype about the company. It inflates the ego of the company more than it helps your customer.

(4) Involve the Visitor.

Keep the visitor involved and make them feel like a valuable contributor. Actively ask for the feedback and suggestions. Ask for communication from your visitors and answer that communication swiftly. When getting that communication, capture their email address. This will allow you to communicate with them long after they have moved on and forgotten about you.

(5) Keep it Current.

You need to have content on your website which is timely and relevant to the customer's life. Posting month-old news is not interesting. Posting dry product information which never changes is not interesting. Yes, you need to have product information and other information on your site that won't change much, but you can also post more timely content. You can, for example, post content about how your products can be used in certain situations in life. Provide tips and techniques - things which are immediately applicable and solve a problem.

(6) Pay Attention to Form/Design.

Some sites simply over-do it on the eye-candy. Big graphics just for the sake of graphics often impress the site's designer more than the visitor. Do not use graphics that are large and purposeless. Remember, some visitors may still be accessing your website via dial-up. Your site needs to load up quickly for all users. A slow website will cause your users to leave quickly. Also, pay attention to graphic and design size. Many web designers operate on fairly large screen resolutions and sometimes forget that even though a graphic looks great to you, it will appear enormous to somebody on a smaller resolution. On the flip side, don't go too light on graphics. A site which is poorly designed and using the default font and no color is not very aesthetically pleasing. Any web visitor, whether they admit it or not, judges your company by your website unless they have something else to go on. A well-designed site communicates professionalism. A poor design makes the site seem like an afterthought.

(7) Promote.

When a visitor communicates to you via email, it is best to use a web form. not only will this keep your email address from being picked up by spammers, it will also allow you to ask your customers for their email address and then store that address for later use. Employ the "push/pull" marketing strategy. A visitor coming to your website is the pull, but later you want to push content back to them in the form of a newsletter or other promotional material. Start a mailing list and use it. Invite visitors to sign up. Promotion makes or breaks a business, and as long as you respect the ethical considerations of your mailing list, you should use it.

(8) Don't Operate in a Cocoon.

The internet is a medium which is shared by millions. When you set up your website, don't operate as if you are a self-contained island. Get out there and keep in tune with what is happening on other websites related to your own. Participate in forums. Post links to other websites and ask for a link in return. Form partnerships with other sites if it is appropriate. When it comes to communication, people like personal contacts. Hiding behind general email address like "sales" and "info" is OK as long as there is a way to also email you directly. A company site which allows email direct to the management is good. Just remember how much you hate calling a company and getting stuck in their phone system. Sometimes you just want to talk to somebody. Give your visitors that ability.

(9) Have a Plan to Attract Repeat Traffic.

Use newsletters, out-going email, contests, forums, clubs, auctions - anything that will cause people to return to your website. When posting links to other websites, don't just send your visitors somewhere else. They may never return. Provide them an exit page. Give them a pop-up when they try to leave your site. Or at the very least make external links open in a new window.

(10) Track Your Visitors

Pay attention to your site's statistics and react accordingly. What are people reading? How are they finding you? Do they just come and leave right from your homepage? How long as they are on your website? Do they return? This data is immensely valuable in fine-tuning your website based on customer needs and wants. Remember, the biggest mistake of any webmaster is designing the site for what THEY want. A successful website is designed for the target audience, not to impress the site's owner.



About the author:

David Risley is a web developer and founder of PC Media, Inc. (http://www.pcmedianet.com). Specializes in PHP/MySQL development, consulting and internet business management. He is also the founder of PC Mechanic (http://www.pcmech.com), a large website delivering do-it-yourself computer information to thousands of users every day.