Thursday, April 23, 2009

Make Money From Passion

To make money online many people jump right in before they are properly prepared. You know that to be a rocket scientist, a doctor, a brick layer, a construction worker, an office worker, a teacher there are prerequisites, things you must learn, before you can be successful, you don't just jump right in unprepared.

The same applies to the Internet marketing industry even though there are unsavory people out there who'd have you believe it's a "Walk in the Park" and requires no more than the belief that you can just do it.

And I'll have to admit, it is a walk in the park compared to what you have to put up with in the working world punching a clock being a subordinate to someone who does not have your interests in mind, but there are still rules you have to follow and pitfalls you must avoid to actually make Internet marketing work for you.

Most people will not make a dime online and yet there are others who will make more in one month than most people make in a whole year. Why is that?

My answer begins with the age-old chicken or egg question, "what comes first the chicken or the egg"? Personally I vote for, well never mind, each argument you or I make comes back to the same old conclusion - I have no clue and I don't think many of us do either.

But one thing I do have a clue about and know for sure is that to make money online you must first have Passion for the company products and/or service of any Internet business from which you expect to make money.

Passion in this sense simply means that you've researched and like the company and products or services. It is then that you translate that like (or Passion) into the education, excitement and work that usually accompany Passion.

I will have to say that many online entrepreneurs are so good at what they do that they ignore passion because they can sell anything. But I'm concerned about those of you who are not so knowledgeable at working an online business successfully.

Now, I'm not trying to make anyone believe that Passion is the only thing necessary. Because to be successful you must also have a good website, good marketing, widespread advertising, company support, effective keywords, and etc. Those things are often learned from the company you join - but sidestep Passion and you reduce your chances for success dramatically.

It therefore follows that, if you have no Passion for the company and the products and services provided by that company, again, you won't attempt to do the work you are being taught.

Internet marketing work is typically not all that difficult or time consuming but it does take motivation caused by Passion to get you off and running with a sustained effort so that you won't stumble.

You have a great resource in the Internet search engines to search about the Internet Marketing industry for business opportunities, USE IT!

Your research should uncover a company that you like and have confidence in. It should be solid, founded on great principles, and easy to understand with great products and services that are sell-able for which you can have Passion. If you don't find it move on,
You can find the right opportunity containing the attributes identified above.

Comments like, well, that one sounds good and the compensation plan is excellent so I guess I'll start that business - does not sound like a decision based on anything near Passion. And remember when you hear that an Internet "guru" does that, don't be tempted, because as I said earlier they are experienced and can sell just about anything, without being Passionate about the company products and services.

Note: By the way it's your goal to get to the point where you can sell about anything online. That end skill and goal is a worthy one indeed.

Remember, there are other steps you must make before you step into Internet Marketing but if you don't first find the right company products and services to be passionate about, all of those other steps may just cause you a lot of frustration instead of bringing you great success.

Not being Passionate about a company and products and services that has market proof that it will sell is a pitfall you simply must avoid.

Maverick Money Makers is a private society that will teach you how to build a six-figure a month business on the internet.

If you want to make money online, join the society before it's too late.


Tuesday, April 21, 2009

Finally - a Top Secret Way You Can Get Google Adwords Pay-per-clicks Free

A new breakthrough secret is all you now need in order to get your Google AdWords pay-per-clicks FREE!

A gentleman from New York discovered what he calls an "oversight" on the part of 99.9% of all marketers that allows him to get otherwise paid-for advertising at Google as well as all other search engines that allow sponsored ads.

And no, nothing about his "secret" is illegal - nor does it require that you know someone on the "inside" at Google, Yahoo, MSN, Overture and others.

Instead, the New Yorker boasts proudly "...this is something that I caught onto just before 2000 when there was so much search engine craze running around, and started doing small just to test things at first ... but which I later expanded on after getting the hang of it."

This same fellow went on to start and operate sixteen separate online companies selling everything from pet food, DVDs, children's toys & games, books, software, and sold not only his own manufactured products but became an affiliate for other web businesses - all the while applying his mastermind secret.

Over the course of nearly eight years the New Englander confesses "I've actually gotten over $87 million in advertising that using my secret I never had to pay for ... and the largest share of which was more recently in Google pay-per-clicks as well as other forms of pad advertising at search engines ... all of which I got for free ..."

So powerful is his secret that he's able to monopolize any niche online, and can always secure the top premium spots just above the usual organic results featured at most search engines.

He still has to set up an account with the search engines - but after applying his secret he is removed from having to pay for all the costs otherwise involved.
Again, nothing about his secret is either illegal or robs from the search engines.
One spokesperson from one of the most popular search engines said chuckling after being made privy to this amazing secret "Wow! Ha! This is really unique ... and in my expert opinion it would only serve to enhance and bring more business to us at [name of search engine withheld for legal & confidentiality reasons] and not cause us to lose business in the slightest. Amazing!"

The northerner revealed that in this nearly eight years' period of time since applying his secret he's done well over $300 million in sales revenue with a most diverse line of products, and most recently in the last two years netted nearly $166 million after really "buckling down and pressing my secret to its fullest potential."

Now to everyone else's fortune, the city slicker is releasing his secret for getting an unlimited amount of pay-per-click ads to the general public. But he's not promising any of us for how long.

A bit of an eccentric, the gentleman says "We'll see just how long I can make it available before it saturates things."

One famous public web guru pointed out that although this man may gain economically more so as a result of the publication of his secret "he's already so amazingly rich that whether he continues or discontinues its sale will neither make nor break the man, but not grabbing it for yourself while it's still available could prove disastrous for you as you may only have one chance, and a very limited one at that, to get this."

It is currently available at: you may want to head on over there now and get it.

It's in a very easily readable format and is quickly and readily understood and mastered by anyone with even a 4th grade reading level.

While you're there, why not scroll down and review for yourself the huge successes others are now having with this incredible breakthrough in targeted advertising now made freely available to the rest of us?

Louis Carrasco

Sunday, April 19, 2009

Ways to Earn Extra Income

If you feel like you're drowning in debt there are things you can do to ease the burden. One f them is earning extra inome each month. This doesn't mean taking on another full-time job. There are many things you can do to earn a little extra money. Even if it means just bringing in a couple of hundred dollars a month, this can really make a difference in your overall financial picture. The following are just some ways that you can bring in extra income:

  • Think about providing childcare in the evenings or on weekends. Other parents are always looking for dependable childcare.
  • If there is a subject in which you have some expertise, consider tutoring students after school. You can advertise your services on any local school bulletin board.
  • If your talents are more artistically inclined, why not offer music or art lessons in your home.
  • More and more people are in the market for professionally designed websites. If you have the knowledge you can charge people for creating websites for them in your spare time.
  • We all tend to have too much stuff cluttering up our attics, basements and closets. The next time you do spring cleaning consider having a garage sale to earn some extra cash.
  • On that same note, selling items on eBay can be a fun and profitable hobby.
  • Sewing has become a lost art for many. If you have the skills, charge people to do simple tailoring.
  • Do you have a great cake recipe. Charge people to bake cakes or other goodies for special ocassions.
  • If you're a crafter, consider selling your goods at local craft fairs.
  • If you have a green thumb, think about selling flowers or vegetables from your garden at local farmer’s markets.
  • The Internet offers lots of different ways to make money online.A favorite among many is getting paid to participate in on-line surveys.

Just remember, probably none of these ideas will make you rich. However, if you need extra money for a vacation or Christmas shopping, try out one of these methods to earn extra income instead of turning to your credit card and raking in more credit card debt.

Lauri Nawrot

Friday, April 17, 2009

A Penny Saved is a Penny Earned

Everyone always says ''I want to be rich''. Fair enough, but how does one go about getting rich? If it were so easy we would all be millionaires. Your goal should be financial freedom that ultimately leads to personal freedom, which is what all people want, regardless of where they are in this world. It is the tie that binds all of humanity. The great thing is even if you aren't rich, you can still be financially free. It requires a lot of discipline and will obviously depend on your standard of living. That being said there are numerous things you can do to achieve this goal and it can be attained before you are too old to enjoy it. Obviously it will not come without a solid plan, focus, and sacrifice.

Take action now to secure your finances because nobody will do it for you. Unfortunately financial smarts are not taught in school like other subjects and I feel this is a terrible mistake. We would not be in this debt-ridden society with an economy in tatters if people understood money better, and didn't fall into the trap of living beyond their means because glossy magazines tell us what material things we must buy, and the banking elite are there, lying wait, ready to pounce. There is nothing wrong with wanting nice things. We all want to live comfortably. The important thing is to not overextend and bite off more you can chew with the multitude of financial products/services that bankers dangle before you on a stick. The entire sub-prime mortgage debacle in the US was built on this premise and totally run amuck.

Considering we spend a good chunk of our lives earning an income to support our family and lifestyle then you might want to consider getting your financial health to where it needs to be. With the cost of living always on the rise, it would be a shame to look at your life in a few years and be struggling to stay afloat

Here are some useful tips to improve your financial health.

1. Live within your means. If you can't afford to pay for something that is not essential (essentials being food, rent/mortgage, utilities, etc…) don't buy it. Simple as that. Too many waste necessary funds on luxury items that they have no business buying. If you absolutely need to make the purchase, do so in cash so you know you can genuinely afford it, and feel the loss of that money immediately and re-assess your budget. Using credit cards unless you are absolutely sure you can make your payment in full within 30 days is risky. Not only will it make your purchase ''out of sight, out of mind'' but when the balance is due you may not have anticipated it and begin the devil's dance of paying high interest on your card.

2. Pay off your debt. If you have enough money to pay for everything out of pocket, or have great discipline with paying your credit cards in full each month you are among a very select few. For those who are not, you can’t possibly improve your financial health if you are loaded with debt. Prioritize your debts as both good and bad. Good debts are those that are ultimately helping you acquire assets (mortgage for a property, loans for investments, etc…); bad debts are those that you have incurred to purchase liabilities (car, computer, entertainment costs, etc…). Try to get rid of bad debt first and attack the ones with the highest interest rates.

If you can't pay the full amounts, you will have to figure out what monthly payments will be necessary while still having enough cash-flow to cover your current expenses. Some financial advisors suggest paying off your smallest debt balance first. This way not only have you got one less creditor to worry about but it will also give you a victory that will encourage you to keep on with the plan. Negotiate better rates on your credit cards. If you have multiple credit cards you need to consolidate your debt by transferring the balances to one and cutting up the rest. The next step to getting your credit cards in order is to just call your credit card provider and ask them for a reduction in the interest rate. You will be surprised at how accommodating they will be if you threaten to switch to another provider with a better rate.

You may also consider getting a line of credit from the bank and pay off all your credit cards with it, because then owing the balance on the line of credit at 7-10% is much better than at 19.5% on your card(s). Remember to cut up your credit cards once you finish paying them off. It is wise to only have one and use it only when necessary. Also make sure it is a rewards card that gives you points like Air Miles, or points for gas, groceries, or retail store purchase points so you get something small back for using the card. Do not, however, overuse the card just to earn more points, which is a trap many fall into.

3. Collect and save your change. You would be surprised as to how much you can actually save up in a year. Let’s say you save a minimum of $1 per day in coins, in a year that would be $365. Get the habit of paying everything with notes. When you get the change set it aside each day and save it. You can either roll up these coins and put them in the bank or get the cash equivalent from the bank and spend it on useful things like groceries, gas for your car, and if there is enough leftover, treat yourself to a nice night out with your partner or friends/family.

4. Cut down on non-essentials. Minimize going to restaurants and having coffee every chance you get. You'd be surprised at how much the average person (who is in debt) spends daily on coffee, lunch, dinner, snacks etc... If the average coffee and lunch once daily costs you $8/day. Multiplied by 5 times a week becomes $40/week. When you add up your lunches and coffees over a full year it can be enormous. You would be better off making your own lunch and bringing your own coffee/drinks in a thermos. If you smoke…quit! It's bad enough you're burning money to sustain this terrible habit, but you are in essence paying to raise your risk of cancer!!!

Cut down on going to bars, movies, etc…No one says you have to cut all the fun out of your life, just but be frugal. You can still have fun and save money by having people over rather than going out. If you can carpool to work, or take public transportation do it. There are so many other little things that you could cut out of your lifestyle: unused newspaper/magazine subscriptions, home landline, cable/satellite TV, etc…the list goes on and on.

5. Start a savings/retirement plan. Once you have debt under control and your spending in check you need to start a savings plan that will help you save for both the short-term as well as for your retirement. The simplest savings plan is just to open up an account that gives you a higher interest rate than an ordinary chequing/savings account. What you should do is have the bank automatically debit a small amount of each of your pay cheques and deposit it into your high interest savings account. This way you don't have to worry about doing it and you ''pay yourself first''. If you decide to debit 10% of each pay cheque, this amount will safely be in your high interest savings account each time without you accidentally spending it beforehand.

You will force yourself to live off whatever remains in your everyday account balance for bills and living expenses. After a while you won’t even notice the money that is taken out for your savings. You don’t miss what you don’t see right? This is a great way to save up for your future financial health and when the account gets large enough you can think about putting it towards any number of investment vehicles like Real Estate, Savings bonds, CDs/GICs, Tax Lien Certificates, Tax Deeds, Mutual Funds, Stocks, acquiring businesses, or other. Just be sure to seek professional financial advice as well as your own research before making any big decisions. Happy financial planning!

Gopal D

Wednesday, April 15, 2009

From Debt to Wealth on $10 a Day

In Jane Chatzky’s wonderful book, From Debt to Wealth on $10 a Day: Pay It Down!, she offers a lot of practical advice on not only digging yourself out of debt but also saving money and acquiring a healthy nest egg for the future. One of her more compelling points is the notion that by saving $10 a day, you could potentially save over $1.3 million in the span of 40 years.

While this dollar amount doesn’t take into consideration the cost of inflation, it does make one think twice about the few extra dollars we spend indiscriminately each day. Now, while some might argue that $10 a day is actually a lot of money to save, I thought it would be interesting to look at some ways in which a person could easily save at least a few dollars everyday:

Forgo your morning specialty coffee and brew your own at home.

Walk, bike or carpool to work.

Brown-bag-it instead of eating lunch out everyday.

Consider cancelling your gym membership…especially if you’re not actually using it.

Avoid annoying ATM fees by taking money out of your own bank.

Stop Smoking! Good for your financial as well as your physical well-being.

Stop playing the lottery. Your chances of winning are about as slim as someone walking up to you and handing you a check for a million dollars. It’s just not worth the expense.

For women (and probably some men), consider coloring your hair at home. While you’re at it, reconsider the weekly” mani-pedi”.

Get into the habit of planning your weekly meals. This way you’ll be less tempted to eat at restaurants or order take-out.

Consider downgrading your cable, phone and computer service. Alternatively, look into bundling these items through your local provider.

Stop reading newspapers or magazines. You can read most major publications online.

Consider buying generic items at the grocery store. They really are just as good as most name brand products.

Go to the movies during the day instead of at night (forgo the popcorn and soda).

Start collecting your change and take the time to actually roll it and cash it in. If you use a Coinstar machine, just remember that they subtract 8.9% of your total. Ouch!

Just think about it. With just a few small changes in your life, do you think you could transform your debt to wealth. I bet you can. Give it a try.

Lauri Nawrot

Monday, April 13, 2009

Finding Your Fortune

Often when people look to an uncertain future they turn to a psychic for a sneak peak but is this really wise? Many well respected people and celebrities have used psychics such as Nancy Regan, Latoya Jackson, Liz Taylor, The Beatles, Elton John, and many more. However, we have all heard the nightmare stories too. One can not help but wonder what goes on in those little road side stops with the neon hand and eye. I will give you a hint – that is the last place you want to go to find a good psychic.

Psychics are in high demand in business as well as personal. Uniting soul mates is very rewarding but the thrill and intricacies of business are the extreme sport of the best psychics. A 30 minute reading can save or make you literally thousands! If you paid $30 to $200 for a session and made $300 to $20,000 would you be happy? You bet you would!

Owners of multimillion dollar businesses around the world have used psychics for centuries to keep ahead of the pack in business and to build their fortunes. Kings and queens centuries ago consulted the likes of Merlyn and other mystics before going to war.

Only the best psychics can know almost nothing and tell you about a contract or any type of business and that is exactly how much you want to tell them – almost nothing. Here the “less is more” principal is paramount. No need to tell them how much money is involved or what type of investment/business.

It is best to keep it to a minimum unless there are specifics that do not come up in the first impression such as ideas you may already have about making changes. The ideas for changes often do not come up immediately as they are in your head and not necessarily the specific thing you are asking about. Your ideas are potentials and will come up later. If asking about several options you may want to reveal the initials of the investment to help them distinguish between subjects or tell them the order from first to last or big to small, etc.

Most of all do be honest. A dishonest negative energy is counter productive to both of you. Often just a spark of deception is immediately picked up by the psychic changing their focus to you on a level you don’t want rather than your question. The best psychics have only the highest pure love and intent of sharing their gift with you.

Start small when searching for your psychic business consultant. Ask of a matter that is only of $10 to $100 such as a loan to a friend or investing in a website. Write down anything they tell you and make your decisions accordingly. Bear in mind that if they tell you don’t do it and you change how you were going to do it based on what they told you and you succeed – that does not make them wrong. You changed what you were doing because of what they told you. They said it would fail. So you did something else, which makes them right !

Take good notes, have your questions written down before you see or call them (the best psychics don’t need to see you), and make sure you discuss all your options. These 3 things will save you a ton of time and cash in those “touch up” calls. Gauge your questions from large being the big yes or no at a 10 to smaller questions without much impact on the over all deal with a 2 or 5. If they are 80% right you have a decent psychic especially when they make you money and pay for themselves. Here is a little hint. If they pay for themselves and make you money, tip them, they have earned it. You would be amazed how many take the money and run and never even say thank you.

Establishing a good working relationship with a psychic can turn your business and career around. Police and the US Military use psychics, living in the world’s only remaining Super Power country, this speaks volumes.

* For more about this Author click here.

Lilyana Lovela

Saturday, April 11, 2009

When the Money You Make Becomes a Blessing to You and Others

Thinking of mighty things today, apart from God the creator of life itself, without which anything could ever exist, money can grab the second position.

Days of barter trade are gone when people would merely exchange one thing for another. Without money today, we could die of hunger and sickness, walk naked or even sleep in the cold: the basic needs.

Apparently, ever since people existed in this world, nothing has ever been given and received freely, except true love. There is always something gained and lost.

Everything you want to have today requires you to mind your wallet first so as to buy justice, earn lofty status, sustain your sanity levels and even to fit in some churches.

Now that money making is this important for survival, humans need to understand which strategies they could use to make it and end up blessing others as well as themselves.

In this article, I will speak my mind and also encourage you to give your views about this topic.

Honoring God with your money

Back to the common truth, without God, your money and other material things are futile, they are only useful in this earthly life that will end soon.

Let all your money making plans start with him who holds your life in his hands, let him know what they are first, because the final answer is with him.

He owns our bodies, minds and souls, exclusive of which we would not exist; to make investment plans, worry about being poor or rich, battle to grab money and power and so on.

As humans, we are just like a mist that appears for a while and then disappears.

When you allow him in all you do for a living, he will make your strategies work out just fine.

Grant him a part of your earnings, not because your pastor said so, but for not wanting to be a victim of robbing God.

And since you cannot call him on the phone to come and get his ten percent, extend this help to the neighbor that you can see, a stranded stranger or even take it to church to serve in the ministry work: the choice is yours.

Since God is everywhere, do not bother seeking his face in the skies or wherever, he can be found in those who ask for our assistance in whatever situation, and we can grant it.

Honoring yourself with your money

Do not just work hard and smart for the sake of earning loads of cash, treat yourself well with your money.

Being a miser will mean that your sweat will solely benefit others that never sweated a drop for it!

Nevertheless, I do not mean that you become extravagant or satisfying your every whim, God has given you freedom in the choices you make.

More often than not, lots of money makes people proud and they then tend to be disrespectful to their own existence.

What good is your money if it brings you dangerous diseases, drug addictions, embarrassments, loneliness, and death among others?

Esteri Maina

Thursday, April 9, 2009

Make Money Fast - A Simple Route To Financial Freedom Which Builds Wealth Quickly

If you want to make money fast on a small deposit, then we will give you a simple route to financial freedom in this article which anyone with a desire to succeed can build wealth with...

Most people who want to make money fast, have the desire but have no vehicle and without a vehicle, to get them to their destination, their desire to get wealthy s remains a dream. The vehicle we are going to look at here combines the two key elements you need to make money fast, so let's look at them.


Most people, who want to make money fast, don't have much to start with. With the method we are going to look at here, any money you deposit, can be leveraged 200 times. For example, if you have $500.00, you can leverage it by 200:1 and this means you get to trade $100,000! The vehicle we are going to look doesn't require you to go through any credit checks - the extra money is yours to invest as soon as you open an account.

An Easily Learned Skill

Many methods of building wealth require long periods of study and lots of time but this method is different. You can learn it in a few weeks (no college education required) and build wealth in around 30 minutes a day.

So what's the method that combines the above advantages?

It's becoming an online currency trader from home and today, anyone can open an account with just a few hundred dollars and anyone can learn to trade.

Great you may say but I don't really fancy studying economic news and finance - the answer is you don't haven to!

To trade currencies all you need to do is spot repetitive price patterns on a currency chart.

Patterns repeat because humans make the price of any currency and human nature is reflected in the charts and all you need to do is spot the patterns and trade them.

On any currency chart you will see trends, where a currency moves in a sustained direction for weeks, months or years. You are not interested in why prices move, you are just going to lock into and hold these trends when you see them. If you can run these trends with leverage on your side, you can make huge profits.

The key to this business though is learning to lose and keep your losses small.

With leverage you need to cut losers quickly and run your big profits. It's a fact that most of the best traders in the world, don't even win 50% of the time but they make huge profits because their winners are so much bigger than their losers.

If you trade the reality of price change on a chart, have the discipline to keep losses small and the courage to run the big profits, you are well on your way to making money fast.

This is a business, you can try with just a few hundred dollars part time (around 30 minutes a day is all it takes) and generate a great second or even life changing income. This plan will work for you, if you have a desire to succeed and a willingness to learn and represents the best way to build wealth quickly on small stakes.

Kelly Price

Tuesday, April 7, 2009

Saving For A Rainy Day

With the effects of the recent credit crunch, it makes sense to take simple steps now to hold onto your hard-earned cash. By using common sense and economising where possible you can ensure that you keep your head above water.

Set aside some time to look at your monthly spending; therefore, start with the major outgoings. If you have a mortgage are you getting the best deal or could you do better by switching? If you have a spare room could you think about letting it out to bring in extra income? Or what about giving a home to foreign students on a seasonal basis?

For utility bills such as gas, telephone and electricity you can look into current offers on tariffs as you may be able to save a significant amount by switching to a deal that is more suitable for your requirements. Although it can take time to organize such changes, the money you could save should make it time well spent.

Another area to consider is your monthly shop. Do you make a list and buy in bulk or are you prone to impulse buys? People tend to spend more when they food shop without planning first; therefore, take some time to plan possible meals before you go shopping and try to stick to buying the essentials.

In addition, do take account of special offers and don’t be afraid to try different brands - most supermarket own brand goods are of a similar quality to those with more expensive packaging. More and more people are also trying different supermarkets to find the best deals, so don’t be afraid to branch out from your usual shop. Supermarkets can even be a great source of fashion and everyday clothing, as well as home furnishings and household goods and equipment. If you are prepared to forego a fancy label then you can make some fantastic savings.

There are plenty of other areas where savings can be made. Even something as simple as a daily cappuccino on the way to work can add up over the weeks. Why not skip it and enjoy a morning coffee at home? Similar small savings which add up can be made from considering a car-share with colleagues, or alternatively leave the car in the garage and use public transport instead. Better still, walk or cycle to work - this way you can exercise for free and this can even encourage cancelling your gym membership, should you have one.

Once you start thinking in a financially canny way you are bound to find even more ways to reduce your monthly bills; and as the savings start to add up, it makes perfect sense to squirrel them away in your savings account. If you don’t yet have an account then you might want to consider opening one to accommodate such savings. From doing so means you should be prepared for even the rainiest of days.

Andrew Regan

Sunday, April 5, 2009

How To Get More From Your Savings

So, you’ve finally decided to start saving some money for the future. Whether you have a specific reason for saving or you just want to put something away, it’s important to consider carefully the particular account that best meets your needs. It might seem easier to open up the first savings account you see, but a little consideration and research could pay dividends in the long-run.

To get it right first time, you need to think about what you are saving for. It could be something very specific, such as a wedding, your offspring starting university, or perhaps a special holiday you have in mind for when you retire. In this case, you will be more prepared to tie the money up for a longer period of time.

This is quite different from just saving for the proverbial rainy day. In this case you simply don’t know when you will need the money - you might save it up for years and never touch it or an unforeseen event could mean that you need access to your cash at short notice. This means you’ll need an account that is more accessible, and one that doesn’t limit you to just one or two withdrawals a year.

Needless to say you will get more interest if you can tie up your money for longer. Be sure that this won’t cause a problem before you agree to such an account though; you can sometimes be required to pay a penalty if you later have to withdraw the money without giving the appropriate notice.

Once you know how flexible you can be, you can start to think about which account to go for and begin to learn what interest rates are available. It’s worth spending some time comparing different offerings and accounts to get the best possible deal – especially if you’re compounding the interest on your accounts (earning interest on the amount of interest you have already earned). This can make a big difference a few years down the line.

Make sure you read the small print to ensure you get the most from your account. For example, if you are considering an ISA account, research the types of account available and do your suns to ensure that you have chosen the right one for your needs. As with any type of savings account, not all of them offer exactly the same service, so you should always check the ISA rates being offered.

Saving a little money for a life event or rainy day is always a good investment. However, a little research could be the key to maximising your money and selecting an account that really suits your financial needs.

Victoria Cochrane

Friday, April 3, 2009

Smart Thinking: Saving Money For The Future

While we are all aware of the importance of putting away money for the future, the reality is that saving doesn't come naturally to most of us. When it comes to putting money away, setting "smart" goals is the first step in finding the motivation to save.

What are "smart" goals? SMART is a popular acronym for specific, measurable, achievable, realistic and timely. These five characteristics are vital for setting goals and the acronym provides an easy way to remember each of them.

When it comes to saving money it is important to make sure a goal is specific. Rather than telling yourself that you need to put away a little money each month, set a specific figure. This will give you a balance to base the rest of your monthly spending around, as well as a measuring stick to see whether or not you are achieving it.

Why is it important to have measurable goals? If a goal is not measurable, it's difficult to know whether you are actually achieving your goal. A measurable goal means that you will be able to monitor your success and hopefully this will give you a boost to continue saving.

To really achieve a goal it is important to take an action-orientated approach and hone in on all the proactive steps you need to take to achieve that goal. Ask yourself what actions are needed in order make this ambition a reality. From deciding how much to save, to deciding which savings accounts offer the best deals - all of the actions you take will form a vital part of achieving that goal.

While breaking your goal down into mini-actions is extremely important, it is even more important to make sure the goal set is realistic. Is the figure you have set yourself going to over-stretch your budget? Do you have any major outgoings over the next few months which could hinder this goal being achieved? If your goals are not realistic, they will only cause you anxiety; therefore, it makes more sense to save little and often, as opposed to setting an unreachable target.

The final step to smart goal setting is making sure your goals are timely, which refers to having an overall timeframe for your goal. It can also help to set some timely milestones to monitor your progress along the way. In a similar way to setting mini-actions towards your overall goal, setting mini-milestones breaks the process down into shorter, simpler steps - making the goal seem all the more achievable.

When considering your savings and the savings accounts which will work best for you, it is all about thinking smart. While it may take a little extra time to set your goals the smart way, it could pay dividends in the long-run.

Victoria Cochrane

Wednesday, April 1, 2009

How Achieve Abundant Wealth Today Paid For My Disney Vacation

Did you ever want to be lucky enough to win the lottery? Did you ever want to be one of those NFL Quarterbacks that won the Super Bowl and then was asked the question, "What are you going to do now?" and he exclaimed, "I am going to Disney!"

Well I'm going to Disney, Disney World Florida to be exact!

I am going to Disney World in Orlando, Florida and guess who is paying for the vacation? I have Achieve Abundant Wealth Today to thank for this vacation. Achieve Abundant Wealth Today, and a very generous Cash Gift from one of my new members. For those of you that may not know, Achieve Abundant Wealth Today is the Premier Cash Gifting opportunity available to interested people that want to make a difference in a person's life, and, in return make a difference in their lives as well by giving and receiving.

Achieve Abundant Wealth Today is all about people helping people. Our team of individuals cares about other people, and, helping to make a difference in their lives especially in these tough economic times. So you ask, "How did this great opportunity happen?" So let me tell you all about this great gift, and, how my granddaughter is forever going to have a memory of Disney that she will never forget.

A Very Generous Giving Person

Andy, one of my new members was researching on the Internet and used Google to find my information. He told me that he entered Achieve Abundant Wealth as keywords in his search and when the search results returned, my information was available on the very first page in the top 10 list. There were articles that he read that were on, and reports on that provided him with information about this opportunity and how it works, and, then he went to the link to my website;

He told me that this information was extremely helpful in his research for a No 1 Up Cash Gifting opportunity. He did not want to get involved with a program that made you pass up your first gift giver as a qualifier. So from the website he completed the "Request a Call Appointment" form.

After receiving Andy's request, I called him back and we talked for a while with me providing him with all of the additional information that he was asking for. You see, with the Achieve Abundant Wealth Today program, we do not hide any information from you up front, unlike most other programs do. So you know everything you need before you make your decision to join, so that you can make a well educated decision. Most other programs do not tell you everything up front, and then you find out after it is too late that it will cost you something more for this, and something more for that, etc.

Andy and I completed our phone conversation with Andy needing some time to think things over before he made a decision, and I also encouraged him to do so. After all, when you are looking to join a program with 4 different levels of membership, which are $500, $1,000, $2,000 and $4,000, you want to be sure that you are choosing the right level that is comfortable for you and also that you are serious about this opportunity.

Two days later Andy called me back and said that he was ready to move forward and get involved with this great opportunity. So I walked him thru the steps to get him registered into the system. Andy made the decision to join at the $2,000 level which means a gift of $3,500 (i.e., $500 level plus $1,000 level plus $2,000 level which adds up to $3,500).

Now you can see why my granddaughter is going to have a fabulous time in Orlando at Disney World. As a matter of fact, my whole family is going to have a great time, and we owe it all to Achieve Abundant Wealth Today and Andy, for his wonderful gift of $3,500.

If you would like to experience the opportunity to take a vacation and have someone else pay for it, you can get more information about Achieve Abundant Wealth Today, by going to:

You would have to be crazy to not want to find out how something like this is not only possible, but is happening to over 40,000 members' world-wide on a daily basis, and it is a win-win situation for everybody.

William B

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