Ink Cash (sm) Business Card Review

The Ink Cash(sm) Business Card from Chase helps business owners earn points for all of their business purchases which can later be redeemed for gift certificates or cash back. The card features no annual fee and a large variety of valuable business tools that help you manage and control business expenses.

You have no limits to the amount of cash back you can earn, and all business purchases get 3% cash back. Other eligible purchases will earn you an unlimited 1% cash back. You can redeem your points once you reach 5,000 ($50 check); or turn points in for gift certificates and gift cards at popular retailers.

Like most Chase credit cards, Ink Cash(sm) Business card with the Visa logo entitles you to the Blueprint(sm) for payment flexibility. You can choose whether to pay your full balance each month, split the payment among higher cost items or to create a finish date for paying off a balance so that your payments are calculated based on that time frame.

Business Tools

Chase understands the needs of a business owner. You can monitor the activity on your account 24 hours a day, 7 days a week either by phone or the internet. If you want your employees to have additional credit cards you can issue cards in key employees' names and your account will earn cash back on purchases made across all cards on your account. You can set specific spending limits for each employee card and view individual reports based on each employee. Additionally, you can track expenses and prepare for tax time easier with itemized monthly statements and quarterly management tools.

Travel and Purchase Protection

Chase Ink Cash(sm) Business card offers travel accident insurance coverage up to $100,000 for accidental death or dismemberment insurance on common-carriers (plane, train, bus, ship). The card includes roadside service for towing and locksmith services within the United States and Canada. If you rent a car with your Ink Cash(sm)Business card, you are automatically provided with auto rental collision damage waiver to cover you for collision or theft up to the actual cash value of most rental cars.

When you purchase an item with your Chase card, you receive 90 days purchase protection which will replace, repair or reimburse you the cost of the item for covered reasons. You have automatic extended warranty protection up to an additional year on original manufacturer's warranties

Chase Ink (sm) Bold with Ultimate Rewards (sm)
Business owners looking for a credit card with the most value in travel and security protection should consider the Chase Ink Bold(sm) with Ultimate Rewards(sm). For a reasonable annual fee of $95, Chase Ink Bold(sm) offers flexible spending that adjusts to your business needs and automatic enrollment in the exclusive Ultimate Rewards(sm) program through Chase. Additional services included with your Ink Bold card include on call, dedicated advisors ready to assist you – you'll never have to deal with annoying automated systems and complicated phone menus to find someone to talk to!

The Chase Ink Bold(sm) with Ultimate Rewards(sm) card with Visa logo requires that you pay your balance in full each month – which means you don't pay finance charges on your purchases.

Business Tools

You can monitor your account activity whenever you want via phone or internet. If you have questions and need assistance, you will have a direct call with a card specialist.

You can get additional cards on your account for your key employees at no additional cost and you will earn rewards points on all purchases made from any of your business account cards. If you're concerned about giving employees access to credit, you can set spending limits per individual card, and even identify the type of charges each card is allowed to make.

Tax time will be easier when you use a Chase Ink Bold(sm) with Ultimate Rewards(sm) card because expenses and potential tax deductions are itemized on a monthly and quarterly statement for you and your accountant.

Ultimate Rewards(sm)

The greatest value of this credit card is the ability to earn high class rewards. You can redeem your points for airline tickets to any destination and with no blackout dates or class restrictions. You can fly for fewer points which means your rewards go further. Additionally, you can transfer your points at full value to many of the leading frequent flyer programs, as well as hotel loyalty programs

Points can be redeemed for gift cards, certificates, merchants or cash back. As a business owner, you might consider using your rewards points to create employee incentives and gifts at no additional cost to your business

You can book travel online through the Ultimate Rewards(sm) program from airport parking, tickets, hotel, rental car and even dining reservations.

There are no limits to how many points you can earn, and the points you've earned don't expire. Every one dollar in purchases will earn you one point. When you shop online at more than 300 retailers, you get an extra ten bonus points per dollar through the Ultimate Rewards Mall; and you can earn two points per dollar on airfare through the online Travel Booking Tool.

Your card entitles you to Visa Signature Concierge service, trip cancellation insurance reimbursement, trip delay coverage, lost luggage reimbursement, baggage delay refund, and emergency service assistance. In addition, you're covered up to $500,000 for accidental death or dismemberment insurance through the travel accident insurance coverage, and roadside assistance for towing and locksmith services within the United States and Canada.

Source : http://www.creditorweb.com

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Why Financial Crisis is a Good Thing Or How to Thrive in the Gloom and Doom

October 7th, 2008 Dow Jones took a dive by a whopping 508 points. Over the past three months global markets were hit by an $8.1 trillion loss in value. Banks fail one after another, panic in the Wall Street... That's what already came to be known as the biggest economy meltdown since the Great Depression.

The helter-skelter of the stock-exchange swiftly resonates everywhere. With media fuelling the buzz you need to have a steel nerve or live deep in the forest not to be concerned with the crisis thing. The home-grown economic prophets loudly predict 'the end of the world as we know it'.
The last thing you'd want to do in times like that is start a business, right? - Not quite.
Great Depression Creates Great Opportunities

History knows a lot of cases when economic meltdowns created opportunities for new ventures and bold startups as well as remarkably profitable marketing investments. The Great Depression turned out the golden ticket for hundreds of businesses. Disney, Procter & Gamble, Camel and Chevrolet, to name a few, were among the companies that bloomed and thrived while others were desperately fighting for survival. They saw an opportunity and seized the moment. They were advertising when others cut down marketing budgets. They offered new products when others thought no one could afford to buy. They stayed calm in the across-the-board market mess and they ended up outstandingly victorious.

What does it have to do with you? Everything. The ongoing crisis is your chance to start a new venture, grow your business and make money even when the economy seems to go wild. And the best place to do this is online. Against the background of economic downturn the prospects of the Internet market look especially promising.


Why Online Business is Recession-Proof

Although the cyberspace is tightly tied to the real-world economy, the negative market trends seem to turn out the positive way online. Both retail customers and investors seeking ways to safeguard their capitals end-up putting their money online. Here's the proof that Internet market is here to stay no matter what goes on offline.

* Shoppers go online

In every recession it is the low-to-middle class who take the biggest blow. When big companies go bankrupt it is the regular workers who suffer most. Off course CEOs and investors lose monstrous sums but at least they don't have to worry about how to feed the family.

In times like that people do their best to tighten the belts and cut the expenses. We go hunting for bargains and the first place to look at is the Internet. The reasons are obvious: you can compare prices without leaving the house; you don't have to waste time and money on the gas running around the shops and you can really buy cheaper over the Internet.

Offer the best price and people will buy. Make a discount on something they could do without but would rather own, and people will buy. What's even more important, even after the economy goes stable, your customers will stick with you. Read on to learn how to pick the right product and get a discount for it.

* Companies Invest in Online Advertising

However slow the economy is a business needs to invest into advertising if it wants to stay afloat. Under the tight budget ROI (Return on Investment) becomes the focal point. The Internet offers lots of measuring instruments other media lack. Computer technology allows tracking the money you earn from each banner or text ad up to the last cent. Therefore businesses cut down or completely abandon the press, and TV, but they'll never give up on SEO, contextual or banner ads.

Outsell Inc., The Interactive Advertising Bureau (IAB), IDC and other research agencies all report Internet advertising growing at a galloping tempo (18.2% for the first quarter this year) while print, TV and outdoor ads lose their share of the market.

IAB reported that advertisers invested $5.8 billion in Q1 2008. Part of that money could be yours.

With marketing budgets zipped up businesses seek every opportunity to advertise online. If you have a website or blog with some traffic companies will line up to pay you for advertising. If you don't have any, it's very much the time to start one. Read on to learn how to create a successful advertising platform and promote it in the search engines.

Selling ads space is just one of the many ways to make money online. There are many more such as paid subscriptions, affiliate marketing, review posting, sponsored directory listings, etc. They all create great opportunities to start an online business. And of course, you don't need to put all eggs in one basket. You can combine various online marketing techniques into a powerful money making blend that would be 100% recession proof, no matter what goes on across Wall Street.
Here's a Step-By-Step Guide To Starting an Online Business

What does starting a business start with? Naturally before you start selling something you need to decide what that something will be. So your first step is

1. Choosing a Product to Sell

A product to sell is not necessarily a 'product' as such. It could be a paid subscription or a service and you don't even have to 'sell' it directly. You just need to offer something of interest: information or functionality that will drive visitors to your website and will make them wanna stay and come back. Get traffic and you'll have tons of ways to transform it into cash.

There are a number of things people are most interested in now. Here's a list of

What's Hot in Cold Economy:

* Information

People's desire to know what's going on doesn't cease in bad times. Moreover, the worse it gets the bigger their interest. The 'hottest' right now is financial information.

According to comScore Media Metrix the number if visitors to finance-related websites jumped 30% this year. European websites skyrocketed to record peaks of up to 141% in traffic growth.

Start a blog or website about anything in the finances from the market trends to personal investments and loans, promote it in the search engines and you'll see tons of traffic you can convert into money. Read on to learn how.

* Stress-Relief

During the Great Depression people went to the movies to relieve the stress and forget about their problems. Nothing has changed over time except for the movies. The general trend is when bad things happen people still pay for entertainment even though it's getting harder to afford.

* Discounts

With economy staggering and stock exchange falling down the bills still remain the same. And bills are to be paid. Naturally we want to save on everything. If you know how to show us the way to a good bargain we'll stick with you. And bargains are plentiful on the Internet. You just need to take the time to find them and gather in one place.

* Surviving the Crisis Guides

When it comes to our wallets we get emotional. When it comes to our wallets getting thinner we get extremely emotional and even start to panic. Surviving the financial crisis is a hot topic right now. Therefore if you read this article to the end you'll get a double benefit:

* You'll secure a sustainable income for yourself and your family.

* You'll be able to help others do the same.

Moreover you'll have an undeniable proof of your paycheck to show people the way, and they will follow. This will bring you not only money but also self-satisfaction of doing a good thing.

The list is just a small fraction of the niches you can take up with your business. Explore the web for a while and you'll get tons of other ideas to choose from.

Once you've picked your product(s) you can get down to launching a website.

2. Going Online

Depending on the focus of your online business you need to decide whether you will use a website, a blog or both. Blogs are easier to start and maintain. If you decide to focus your marketing efforts around information this is your best choice to go. You can set up a free blog at WordPress.Com or Blogger.com

Websites offer more functionality but may take up more time and skills to manage. You can hire professionals to have a website set up for you. In the slow economy the quotes should get very affordable. You can also explore the free options for there are plenty out there. There are even ones that will get your website up and running in about 5 clicks.

Google 'free websites' and you'll get one before you can say 'How do I make a website?'.

3. Getting Traffic

A website without traffic is a dead one though. Visitors are the blood of your website that gets its heart beating. So your first and foremost concern now is to attract traffic to your website. The only most effective way to do it is promote your website in search engines.

According to Pew Internet 84% of internet surfers use search engines. About 68 million Americans will use the search engines tomorrow. If your website appears at the top of search results a large portion of this traffic will come to you bringing you money.

Now the question is how do you get your website to the top of search engines? The answer is by optimizing it for natural search. The process is called Search Engine Optimization or SEO for short. Even if you hear the term for the first time, it won't take you long to figure out what it's all about.

There are a lot of do-it-yourself SEO guides out there. However they all seem to miss the most important point. It's actually doing SEO not just reading about it what drives your website up in search engine rankings and earns you money. Good news is that there's one SEO Book that tells you the exact things to do in a way that let's you get right down to doing them. The e-book is called SEO in Practice. It is the ultimate guide that will help you get your website to the top of search engine rankings in a matter of weeks.

One of the great things about SEO is that it gets you traffic (read customers) free of charge. No fees, no bills. You do everything yourself and you reap the benefits of what you've sown. However, when doing SEO you'll most likely stumble upon the same problem all SEOs do: There's just not enough hours in the day to do everything by hand. The way out I found for myself is automating some of the SEO tasks with special SEO software.

There are a lot of tools out there. I personally use SEO Software by Link-Assistant.Com (I've put a link to their website under the article). It has all the functionality I need and I like it. But you can use any software (just make sure it's good quality) or no software at all. You can go and search around for free SEO tools. They are usually of limited functionality as compared to the paid versions, but can still be helpful.

4. Earning Money

After you've read and followed the tips outlined in the SEO Book you'll see a sustainable stream of traffic coming to your website. This is great but we're looking to make money not just traffic, right? There are many ways to monetize your website traffic, some of the most popular and effective are:

* Advertising

People pay you to put up a banner or text links on your website. The more traffic you have the more you can charge. Search around to see what the general pricing is and test several pricing options to see which suits your prospects best.

* Affiliate Marketing

I had been earning a good living from affiliate programs for several years before I completely jumped into the SEO services. The system is dead simple. You help businesses sell their products and earn a percentage of every sale. To achieve the best you need to pick a product you believe in (preferably the one you own and use). This way you'll be speaking confidently and with authority and people will buy from you.

* Paid Subscriptions

If you deliver quality info or analysis that is unique and is of value to your visitors you can offer paid subscriptions. The subscription can grant more info, earlier delivery or whatever bonuses you can think of.

As your online business gains momentum you'll find yourself living a new life. The one that is stress-free, recession proof and incredibly enjoyable. And what's more important you'll be living your whole life for yourself. No one can fire you; no one can cut down your pay. You're an independent entrepreneur and it's up to you when you come to work and when you leave. Your paycheck solely depends on you.

Please note, this is not a get-rich-quick kinda trash. You'll have to work first and most likely work hard. Not too hard perhaps, but hard enough. This is how it is and I strongly believe this is exactly as it should be. First you work for your business, then your business works for you. Invest into your future now and you'll be able to reap the benefits later. Do nothing and nothing will happen.

What are the Risks?

The word venture itself contains a pinch of risk attached to it. Starting a business certainly has its risks. But the world is like this:

"Sometimes you do something, and you get screwed. Sometimes it's the things you don't do and you get screwed." - Fight Club

You start a business and you may fail, and then start another one and still another one until you succeed. But if you don't try you never succeed. You may sit and wait for the economy meltdown to hit you in the pocket or for the company you're working for to go under. These are also the risks we take by just living in this world. And compared to them the risks of starting an online business are nothing. In fact all you invest is your time and effort.

You can start securing your future right now. Work for you business an hour a day at first, than more until you can finally go your own way.
So Why Financial Crisis is a Good Thing

Slow economy is sort of a market janitor. It gets rid of the mismanaged thrash and gives way to new players with fresh ideas and innovative approaches. The big and weak go under and the apt take over their place. This is your chance to change your life once and for good. Go pick your product -> set up a website -> promote it in search engines -> and earn the living you've always wanted to.

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Effective Business Communication

Business communication involves constant exchange of information. It is a continuous process. The more the business expands, the greater is the pressure on the business to find more effective means of communication - both with the employees and with the world outside. Thus, business and communication goes hand in hand. Without effective business communication, a manager cannot perform the basic functions of management efficiently. It is the life-blood of an organization.

For a good communication in business, we should ensure the following:

1. Every communication in business, whether written or oral, should be logically structured , i.e.,it should have a good beginning, a good body(content), and an effective ending. Be it a business letter or business speech, the communication should begin in such a manner that the audience have keen interest and pays attention to the message. The content of the communication should gives the core message of communication. The communication should end in such a manner that the audience knows what is expected of them and they get the jist of the message.
2. Correct means of communication should be used- a means which take into reference time and cost constraints. Choice of appropriate channel also depends upon the amount of formality required and the speed of feedback required.
3. Communication should be articulate and concise. Use of ambiguous words should be avoided. Choice of words should be such that it overcomes cultural differences.
4. Business communication should be influencing and persuasive.
5. Communication should be courteous. Polite and considerate behavior is essence of business communication.
6. A positive body language should be used . For example, during meetings and interviews, maintain a frequent eye contact, give a pleasing smile , make all feel comfortable, etc.
7. Feedback is an integral component of communication. Without feedback, it will be impossible to know whether the receiver has understood the message in same terms as intended.
8. Try using more of ''You" rather than "I". The audience or the receivers of the message should be given importance.
9. Be an active listener . The quality of communication improves if one is a good listener. One should listen positively, should be open-minded and attentive.
10. The facts should not be partial, i.e., they should be complete. The receiver of the message might get confused or might take a wrong action if facts are incomplete.
11. The facts should be recent and not outdated.

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Start Your Own Business Without Much Investment Capital

Several people have the misconception that starting up a small business would involve a substantial quantity of money. It does not have to generally be that way when beginning your own small business. There are existing realities like the difficulty of acquiring the funds for a startup business. Discovering sources of capital is even a dilemma for established entrepreneurs who are looking to expand their business. It genuinely a lot simpler should you already have a great deal of money to start off with but that does not mean that the business will be an instant success. But beginning a business by using a little investment funds is really achievable.

The most effective and wise method to begin is to keep your full-time or current day-job while trying to start a business on a part-time bases. As a result of this way, you develop a steady income as your fall-back in case you encounter financial problems in your small business. You won't feel the requirement to quit your job due to the fact you could be still in the initial stages of the business. Product sales may possibly be sluggish in the course of this period. While developing your customer base, it can be also an opportunity to construct and define your customer profiles and business contacts. You might also have the chance to study the industry that your particular business is in to have much better grasp of the current market trends and foresee business problems that might arise.

If the notion of a part-time business doesn't suit you, you can find other ways to pursue your business ventures and monitor your expenditures for a startup company. Swapping goods and expertise with fellow businessmen may be a very good strategy. If you need to employ the services of other people, try hiring temporary workers so you'll be able to cut down on salary expenses. Accept interns into your small business as they can operate for free and could be paid a minimum wage in some states.

Consider starting a business at a low cost is advisable if funds aren't yet adequate. This low-cost business might not be the company of your dreams but it is enough for a startup company. This might be a possibility to earn extra money for your dream business in the future. You can find also other company ventures that don't need a great amount of money of start up funds but they just have to have a lot of time and effort. Considering a company to be set-up on the web will decrease overhead expenses and can bring in a great deal of money. A great company which fits the criteria is Specialty Merchandise Corporation, where a little money and a lot of hard work would yield big returns.

The need to have a bigger investment capital is sometimes an excuse to not start your personal small business today. If one wants to be successful, you should grab the possibility and stop making excuses. The perfect time will never come mainly because there is no such thing as there are no appropriate conditions. You just really need to bear in mind that you should thoroughly strategize your own business and look at preparing a business plan to use as a guide. Research online using sites like SMC review for tips to help the bumpy first stages of starting your own business. Challenging work and determination is needed for the success of your personal business. Starting a business isn't about how much funds you put into it for as long as the notion, marketing and implementation of a business plan is both effective and efficient.

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Business Survival - Planning for a Rainy Day

There may be nothing worse for a business than to have its owner suddenly die...especially if it's your business.

Let's look at what can happen to a business when an owner dies.

Todd Carpenter was the 55-year-old sole owner of a successful construction company. Todd hoped to sell his company to a third party in the next 18 months.

What Todd needed was a way to ensure that his company would survive if he died or became disabled during that period. Before he could put any plan into place, Todd was killed in a tragic traffic accident. Soon after his death, key employees left the company for jobs with more certain futures. They feared that the company might not continue without Todd's leadership and personal financial backing.

The employees' departures caused a decrease in revenues, as well as the default of a number of contracts, which exposed the company to significant liabilities. Long-time customers grew uneasy with what they perceived to be a rudderless ship and moved their business to Todd's competitors. Todd's bank grew uneasy as well and decided to call in his company's debt; debt Todd had personally guaranteed.

Within weeks of Todd's death, his key managers were gone, his company defaulted on a number of contracts, revenues plummeted, customers jumped ship and any prospects of securing replacement financing quickly disappeared.

As you can see, business continuity planning is vitally important to your company. Without a well thought out "survival plan," the consequences to employees, customers and, most importantly, your family and estate are dire. (Don't think that your estate will escape the notice of your business creditors.)

Fortunately, there are a number of methods sole owners can implement today to help avoid the type of business collapse that Todd Carpenter's business experienced.

First, to keep key employees on board after your demise, offer ownership; perhaps via a buy-sell agreement, or offer additional compensation if key employees stay on or continue to run the company. The amount of compensation can be tied directly to the company's profitability and continued success. As an additional incentive, offer these employees a substantial bonus (called a "stay bonus") for staying with the company; one that can be funded with insurance that can be accessed in case of your death.

Second, alert your bank to your succession plans. Meet with your banker to discuss the arrangements you have made and show him or her that insurance to affect these plans is in place. Make sure your creditors are comfortable with your succession plan. Ask them what arrangements they would like to see in place.

Third, create a written plan that states:
1) who should take on the responsibility of running the business;
2) whether the business should be sold (and if so, to whom), continued or liquidated; and
3) who your heirs should consult regarding the sale, continuation or liquidation of the company.

Finally, work closely with a capable insurance professional to make certain the necessary insurance products, such as funding for the stay bonus or buy-sell agreement, are purchased by the proper entity, (you, your trust or the business) for the right reason and for the right amount.

Not sure where to begin? Contact your business advisory team - attorney, banker, insurance agent, CPA - for recommendations.

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Using Free Government Money To Help You Start A New Business

A lot of people do not know that the government gives away millions of dollars every year for people to start up new businesses. If you have been thinking of starting a new business and the only thing holding you back is the financial resources, then looking at government grants would be a great way to get off the ground.

The best thing about these government grants is that it is completely different than trying to get a loan from the bank. This is money that the government gives you that you never have to pay back. Because most businesses operate in the negative for at least a first year due to start up costs, attaining one of these business grants would allow you to be profitable from the very beginning.

You might be wondering why the government would be willing to give out money to people to start businesses when the economy is already in such bad shape. The reason is because if someone is willing to start a new business, then that person is obviously driven enough to make it work. If the business thrives, it'll open up a whole new set of jobs which will then in return help the economy. There are thousands of people out of work today that have been trying to find jobs for well over a year. If new companies begin to open, hopefully a lot of these people will be able to find work.

Every year there are millions of dollars that are not given away just because people do not know that they have an opportunity to apply for these grants. The amount of grants that are available is also quite large. Getting some free government money to open up a business is just the beginning. There are also grants for things such as fixing up your home, going to school in a variety of other things. So just because you are looking at a government grant to help you with your business, don't pass by any other opportunities that may be available to you.

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How Much Have The Present Economic Crisis Affected People Globally?

At this present slump economy which had affected the working class globally, what will be the common phrases do you hear from family members, friends, neighbours and newspaper.

"Honey, I lost my job" next "Our Company had laid-off a few hundred workers" next "We are financially strapped, how we are going to pay our daily bills" next "XXX Company is laying off hundreds of workers to reduce cost".

The International Labour Organisation predicted about 20 million people going to lose their jobs with ongoing of this fearful economic crisis.

Everybody have to put on their austerity belt to offset daily expenditures and cutting cost over unnecessary expenses.

Battling a deepening recession, some parents even scale back or abandon day care services, keeping their children at home under the care of their grandparents.

Many people have to upend their work life balance because petrol and food prices have become prohibitive and the average day care costs outpace rent and mortgage payments even for those drawing salaries. Even after a sharp decline in petrol prices.

It's not low wage earners feel the pinch but also hit those people who thought they were safe from this troubling economy for a while.

Governments around the world must find solution to unemployment, and the rate is jumping to a higher figure dramatically.

People need to work, they cannot be left without work, and gone are the days where you can make choices of the types of occupation according to your interest, and it's a grab whatever job is available situation for the sake of living hood.

FINANCIAL CRISIS LESSONS

What is actually on everybody's mind now?

Most people might be worried about the dreadful financial crisis, work, money situation or your wealth.

Is it all that you should do? "NO" let us focus on the current economic crisis and start learning from the impact and brave ourselves to face the worst and to better our survival tactics.

First informal, here is a new perspective for those whom are worried about their money.
"Wealth is not how much money you have. Wealth is what you're left with when you lose all your money" quoted by Roger Hamilton.

Now what are you left with, when all your money goes?

You may have forgotten about your personal wealth that you have accumulated over the years, those skills that you learn, knowledge absorbed from society, the network of associates and finally the character that had matured over difficult periods.

Stop, stop, stop, all the worries, instead focus on building and expanding a quality business network with your knowledge and skills. For those, working class people, look for more part time jobs available around your community.

One must also stop caring about reputation, but to focus and refine our character, because you have zero influences on your reputation.

It is what people think of you, and that you have total influences on your own character and your mindset.

GOOD AND BAD INVESTOR THOUGHTS

Most Financial Management courses, educate its student about the positive correlation between risk and return at the beginner stage.

The higher the risk of an investment with higher return of profit and that is vice versa of course.
Institutional and private investors who critically acquired high yielding sub-prime financial structured instruments disregarded this fundamental principle.

Most of the re-packaging and re-selling of sub-prime mortgage risks will not eliminate the ultimate credit default risk that is based on credit standing of the end borrower and not the emitting banks.

But yet numerous financial institutions and private investors keep purchasing these high yielding sub-prime instruments or debentures and should we follow them blindly?

Well, the answer is to put forward questions to the financial promoters were;

Why does this instrument offer such a high yield, when promoted as low risk investment?

What will be the risk?

We need to have the transparency of this risk before even having any thoughts of investing into this so call safe investments.

Over confidence is one of the most common traps, people might fall into and must be aware of all the knowledge gaps and perceptual blind spots.

This sort of situation is dangerous as we do not know what we are supposed to know from the financial promoters.

As a matter of facts, most financial institutions did really know what risks they were taking in their books and the same with for the high yield craving investors having risks in their portfolio.

Pay attention to what you really do not know about any business situation before investment done as the quote by Aldous Huxley is right; "Facts do not cease to exist just because they are ignored".

It amplifies the effects of risk ignorance's by Groupthink 2006, a few economists and policy makers warned that the US real estate market would get into deep trouble as soon as US interest rates start to rise again.

This warning was ignored, as these critics were often ridiculed, silenced and forced to adhere to the prevailing mindset of the dominant uncritical majority.

Although clear warning signs of an imminent US real estate crisis were voiced for more than two years, most investors failed to take notice or just ignoring the facts.

So finally, what causes the financial crisis?

It is primarily herd thinking coupled with over confidence, ignorance, egoism and greed with short term focus on exciting growth, personal gains, remuneration and neglect of sustainable long term growth and profitability.

The greedy mind of many investors with its thoughts; "I want to have more and more profits now" as such thinking is value exploitation at its worst. It is the antithesis of value creation as of a responsible investor or business thinker.

As reveal by statics of the world population, which have reached to 6.8 billion people living on this earth to the latest and estimate to increase to 9.0 billion by the year 2050.

Conclusion of today's economic crisis is human error, not by any natural disaster; it is the human's ignorance, greed, egoism which Lord Buddha defines as poison embedded into the human's mind.

As quoted by Albert Einstein "We cannot solve our problems with the same thinking we used when we created them".

As times are getting tougher with the economy and recession stances, will our fellow humans eradicate bad thoughts, wake up, it is time for a new creative renaissance.

The slogan will be; "Revive our economy to reduce sufferings and agony of the recession"

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Businesses That Do Well in a Recession and the Truth About Network Marketing

Network Marketing

Many of you may just be starting a new network marketing or other home based business. But even if you've been around for years, you know that some businesses that do well in a recession fall apart soon after the recovery period begins. Keep reading and I'll compare some systems and explain why they will or won't survive our current economic crisis.

The Trouble With Downlines

While there are an ever-growing number of new network marketing opportunities available on the web, the relative number of people interested in breaking into the business has been pretty stable. The recent economic downturn may have increased this number a bit but I don't think it'll be enough to keep things growing.

The problem is that with all the new MLM network marketing businesses out there, everyone is fighting over the same, tired leads. Downlines get up and move on without warning and lately even leaders are packing it in, leaving their teams' businesses devastated.

This market, using traditional MLM networks, is just too over saturated for anyone to get their foot in the door. Although I'd be surprised if your upline has mentioned these warning signs directly to you, I promise they are well aware of them and probably are as concerned as you about their financial future.

Direct Sales Marketing

By using a direct sales marketing approach, as with the top tier networks, you can exponentially expand the pool of leads you can draw from. The focus is no longer on signing new reps and growing a downline team, it's just too competitive today to succeed in this.

Rather, with direct sales networks you seek to attract new leads who will become customers. These customers, when they are ready to make a purchase, can get you as much money from a single transaction that you'd expect to get in an entire year's worth of residual checks.

Of all the businesses that do well in a recession, if you're interested in staying with the network marketing sector I strongly encourage you to look into top tier and direct sales systems before dumping too much time or money on more traditional networks.

Recession Proofing Your Business

Finding the best network marketing system with one of the businesses that do well in a recession is only the first step. You must also dedicate yourself to learning everything you can about our current economic crisis and how you can not only protect the money you have but begin to actually build the wealth you've been dreaming of. Now that, my friends, is a true recession proof business plan.

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How to Earn Money in the Midst of an Economic Crisis : Guide to a Microlending Business

The economic problem that the world is experiencing right now has actually provided a ray of light for aspiring entrepreneurs. While others are selling their businesses or discouraged from engaging in one, there are others who have thought of making this recession an opportunity.

Micro lenders are among these people who have considered going into business. In a country where many people also go into small businesses to survive this economic crisis, this micro lending business has quite a big target market. Here is a guide on how to establish one in the Philippines and earn money from a business even in an economic crisis.

GUIDELINES AND REQUIREMENTS

After you have taken care of your capital and you have an excellent business plan drafted, then it is time for you to establish your business. You have to submit a series of documents to SEC or the Security Exchange Commission. In doing this, you also need to acquire a business permit in the city where you want to establish your business and a certification from the Bureau of Internal Revenue. Requirements vary according to the nature of your business. You can register your business as a single proprietorship, a partnership or a corporation. For more information on other requirements you can check the SEC ( Philippines ) site.

CLIENTS

It is easy to establish a client base for this kind of business. A lot of people these days consider borrowing money from micro lending agencies rather than going to a bank. Why is this so? Banks require many requirements that these micro lenders don't ask from them. When they know the right lender to go to, they could get interest rates that are much lower than in the banks. But what probably attracts most of them is that loans are released faster. There are even those that only take a one day of processing and then clients can get their money immediately. Thus, getting clients will not be a headache.

These days, there are a lot of individuals who have considered going into small and medium businesses. And these people need financial resources.These people look for ways where they can have money as a capital for the businesses that they have thought of.

Who are these people that you, as a micro lender cater to?

Individuals or groups who want to start a small business will comprise your market. This could be from retail stores, cottage industries to buying franchises. You can advertise for this one or rely on word of mouth from your first few clients and your friends and families. Big targets for the micro lending business are the many employees from different companies. Here, you can approach different companies and pass a proposal. You might give them an attractive one where they can receive commission for each employee who lends money from you.

STRATEGY FOR SUCCESS

Although there are many potential clients, you should be careful who to lend to. One of the major concerns is getting the loans paid on time. You should see to it that they have the financial capability to pay you back. To ensure this, experts on micro lending recommend that you based their loans on their actual and potential income. This means that you will only loan a certain amount to your clients depending on how much their revenues are. Borrowing money is easier than paying. There are others who just borrow money without even thinking of their capability to pay. The payment schedules should also be arranged in a way that they can afford to pay their dues each month.

Another strategy that you should employ is zero-tolerance for payment delinquencies. Although you are not as strict as banks when it comes to requirements from your clients, you should not be as tolerant when it comes to paying their loans on time. You must impose some penalties for delayed payments. Otherwise you will end up not having any profit from your business if you will treat them as welfare cases!

It is also essential that you assess your clients yourself. It is not just enough that you grant them the loan based on the requirements and collateral (for bigger loans) that they are able to submit. Take into consideration their character and integrity. How do you feel when talking to them? Are they likely to avoid paying their dues or do they strike you as diligent in paying? Also consider if their businesses are viable and if they can manage a business well. Remember these businesses will be their means of income, thus, their means of paying you. If you think one's business or their ability to handle it is questionable, then you might also think twice of paying them.

OTHER ASPECTS

Since you are still starting, it is better that you lend small amounts of money to your clients first. This makes your clients capable of paying you easier than when you lend them big amounts. Clients such as retail store operators and employees usually borrow money of small amounts. Borrowers of big amounts higher than 50,000 are usually those who also want to start small businesses and OFW's. For clients like these, you can ask for a collateral in case of failure to pay. Micro lending agencies usually have terms of a month to half a year with a bi-monthly or monthly repayment schedules. Micro lenders usually charge 3-5% interest. Aside from these charges, there is also the service charge of 3%-5% for some lenders and then of course the penalty fee in case of payment delinquencies. Note that interest rates vary. Take more time to study on what is a competitive interest rate for your lending business.

Keeping track of all the dues and the payment schedules takes a lot of effort. These days, a lot use a business software to ensure more efficiency. It would be advantageous for your business if you invest in a software that will allow you to efficiently track your clients' loans, their repayment schedules and the overall flow of money in your business. If you do not want to use such, you must ensure that you have an efficient manual record system.

To ensure an efficient collection of payments, you need to employ one person who is in charge of this alone. You can assign someone else for the application and release of loans to clients. As with any business, you need to also employ the services of a bookkeeper to take care of your overall financial aspect of your business. It is also very important that as the business owner, you need to be there yourself to do the assessment for the prospective clients' application.

Micro lending is a viable business especially these times. However, just like any other business, you just don't provide the capital and then let your business run through your staff. Especially during these hard times, your management of your business plays a very important role. It is better that you are there to personally see how things are. You just have to be sure who you lend your money too. As long as you have a good system keeping track of who borrows and who pays, nothing could go wrong. At these times when people are faced with financial problems, you already have a market. Just tap the right ones so your money will not fall in the wrong hands.

Q Razon is a member of a globally connected company dealing with business people and their business ventures.

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How to Make Money in the Global Economic Crisis

We have been told that the economy is in very bad shape and everyone will suffer. The sky is suppose to fall and we all should run for cover and prepare for the worst. Everyone can lose their job or already has lost a job and so on. But the ones that still continue to make profits, no matter how deep the recession, are internet marketers.

People who are determined always come to the surfice and prevail during tough times. Internet marketers are not talking about how to cut costs, the growth of their business is on their minds. And not just single or double digit growth, but triple digit growth.

The big problem why most people suffer, when the economy suffers, is that they are not in control of their lives. Everyone has to go to work and make money for someone else. If a business makes double or triple digit growth then your salary may only increase by a few dollars, if you are lucky. But the owners of the business get all the money.

But if you are an internet marketer, you are the business owner

Your future is in your hands and you can triple the revenue. Isn't this great?

No matter how bad the economic state is, more and more people will make their purchases online. It is cheaper, more comfortable, they get more information and so on. You just have to find the right people and help them out and if you help people, then you will get money for it.

People always have problems and they buy stuff to make the problem go away. If you have skin problems then you buy skin cream, if you are overweight you buy weight loss related products, if your dog is chewing your sofa then you look for dog training products, if your ex dumped you and you want to get back together then you look for help and advice.

Millions and millions of people have BIG problems and they want to get them solved NOW. And they are willing to spend money for it. You can make a lot of profits if you search for problems that people have and help them out. You can help people out and make money.

The opportunities to make money online as an internet marketer, even in the global economic crisis is huge and you can get started today. Of course you will not make huge profits right away but if you work hard then you can make over $8000 a month in just after 6 months of working. This is exactly the amount that a high school student made with Wealthy Affiliates - the number one training program for internet marketers online.

There is NO program, service, e-book, or product anywhere online that is similar to Wealthy Affiliate. Regardless of your experience level, we will teach you how to improve your current financial situation. Whether you are looking to earn an extra $500 a month or an extra $15,000 per month, our system provides you with a blueprint of how to succeed in making money online. If you join Wealthy Affiliates you will get Beating Adwords, a $67 BONUS for free!

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Looking For a Job - Become the 1 Out of 100,000

I could not believe my ears when I heard that Delta had an opening for 1000 new flight attendants. 1000 new employees! That in itself is pretty incredible... but as the story continued, I learned that 100,000 people actually applied. 100,000!!! If you don't think our nation is on the brink of a turning point, think again. The fact that 100,000 people applied for a job that could only take 1000 is mind boggling. As a country, we have absolutely gotten away from the one thing that we were founded on to begin with, small businesses. We have been trained to "work for the man" instead of trained on how to create something from nothing. Can you imagine what our world would look like if we stopped being copy cats and started actually pushing ourselves enough to see what we were actually made of?! Can you imagine what we as individuals would look like if we were able to get up each morning and do what we loved instead of doing what we had to do?! That's why I am so stinking passionate about entrepreneurship!!! It is one of the most amazing ways to prove to yourself that, YES, I CAN! Sure, it's not always easy. Sure, some days are longer than others, more stressful than others, and require more responsibility than others but in my opinion, it's better then the alternative.

One lady who had applied for a position with Delta was quoted, "I realized that I didn't want to work a 9 to 5 job". Here, Here! I agree. I don't want that either. I want to experience freedom. I want to see what I am really made of. I want to create something from nothing. I want to be a part of something bigger. What do you want?! Don't be one of the 100,000 that is applying for 1 of the 1000 positions at Delta. Be one of the few who decides to take him or herself on and decides to do something about their own future. YOU have everything you need on the inside of you to be successful, when are you going to realize that?! YOU are the only you in this entire world who can do what you do, when are you going to see that? YOU can actually make the "impossible" possible in your life, when are you going to believe that?!

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Vision to Succeed

HOW TO GET THE VISION YOU NEED TO SUCCEED.

We all want to succeed; at least most of us!

This is a test that can determine how you go after the vision you need to succeed in life. It is very important to know where you are on the life wheel, which includes things like material needs, spiritual needs, psychological needs, physical needs, mental needs, and so much more. If we are not "balanced" in our life wheel, something will seem amiss.

The wheel helps you consider each area of your life in turn and assess what's off balance. And so, it helps you identify areas that need more attention.

Circle: Career, Money, Physical, Personal Growth, Health, Friends/Family, Romance, Fun and Recreational.

What is missing? 3 things we do:

1) Deny things we want
2) Tolerate things that don't work
3) Not giving time for things in life that need attn.

We have learned that success is measured by money. We succeed by growing.

We must stop living in fear. Decide what we want out of our life. We must get rid of our "inner critic" (could have a whole committee) Also called Monkey Mind. This is the way they think!

Rate yourself: 10 very satisfied being 10. Now, figure out where you need to work on! Good Luck!

• Only one or two choices or no choice at all.
• Black and white or either/or thinking
• Decision making based on fear
• I should or I have to versus I want to
• Acceptance that this is the way the world is
• Breathing is constricted, chest tight.

Ask someone who truly loves you to see if you "are a fit" for Monkey Mind!!!!

Exercise: Stand up: "I should....." Then I want." You will be neutralizing your inner critic. Begin by noticing, observing - Choose a perspective, make a choice, notice our story, have fun, use intuition, honor your values. Get facts - consult a trusted friend

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Safety Culture - 10 Things to Help Improve a Safety Management System!

In order to develop a successful safety culture, one needs to understand the basic elements that make up a management process. If you are looking to take your system to the next level, the following ten things will help you improve your safety management system and will help you with your journey:

   1. Defining safety roles and responsibilities for all levels of the organization. For example, ensuring that safety is a line management function and not part of the safety professional's role.
   2. Developing upstream measures. Stop focusing on OSHA's Total Case Incident Rate (TCIR) as a measurement. For example, document and track the number of reports of hazards/suggestions, number of committee projects/successes, number of related specific activities, etc.
   3. Ensure that management and supervisors are aligned with the vision, by establishing a shared-vision of safety goals and objectives vs. production, quality, etc.
   4. Implementing a process that holds managers and supervisors accountable for visibly being involved where they will set the proper example and leading a positive change for safety.
   5. Evaluating and rebuilding any incentives and disciplinary systems for safety, as necessary. For example, not basing the incentives and disciplinary system on the number of recordable injuries. Instead focus on specific activities that have been performed.
   6. Ensuring that all safety committees understand their roles and responsibilities, have a defined charter, and are functioning properly. For example all employees should know how to become a member of a committee, understand their responsibilities/functions, and authority.
   7. Providing multiple paths for employees to make suggestions, concerns, or problems. One such mechanism should use the chain of command and ensure that there are no repercussions against employees. The key is to track suggestions, concerns, and/or problems and hold supervisors and middle managers accountable for being responsive to all employee concerns.
   8. Developing a system that tracks and ensures that there is timely hazard correction. Many sites have been successful in building this in with an already existing work order system.
   9. Ensuring that there are methods for reporting injuries. Educate employees on the importance of reporting minor injuries and loss producing events. For example, first aid cases and any near misses.
  10. Evaluating and rebuilding the injury investigation system as necessary to ensure that investigations are conducted on a timely basis, complete, and effective. Ensure that each injury has an identified root cause. Avoid blaming employee for injuries. Take a look at the management system as a whole to see if there was a failure in the system.

As stated, if you are looking to take your safety management system to the next level, the listed ten items will help you with the needed improvement along your with your journey.

Sources:

"Developing an Effective Safety Culture: A Leadership Approach" by James Roughton

OSHA Web site - eTools - Safety and Health Management

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All You Need to Know About Starting Your Own Company

If you are considering or in the process of forming a company in the United Kingdom, then you are in for an exciting ride. This can prove one of the most testing times for your company, and you need to ensure that you take every step necessary to make the launch of your company a successful one. The aim of this article is to provide you with some of the information you need to know with regard to business start-up and company registration.

When setting up a business in the UK, if you have decided that starting a company is right for you then consideration needs to be given to the company's name. You may wish to start this process by making a list of all the company names you wish to consider for your new business venture, before selecting the best name. You should access the Companies House website in order to find which company Names are available to you, or you can check using the Wisteria Formations name checking system.

It is also very important to consider exactly how much it will cost you to physically set up your company during the company registration phase. These costs will vary considerably between different types of service providers (lawyers, accountants etc) and online companies. These will offer you different levels of service for a different fee. Other start-up costs also depend on your circumstances. Costs associated with a new website would consist of computers, printers, web domains/server registration costs and the cost of web design, where as a high street shop will need to consider telephone/internet service, stock, shop fitting, cash registers and lighting.

Depending on the type of business you will be forming, overheads will play a major role in the amount of profit that you can realise. These are the ongoing expenses which a company will have to pay out for which may include electricity, Internet, water and telephone bills, along with any rent or mortgage that you will have to pay.

Obviously the costs that a business will face will depend on the type of business you will be operating. Some businesses have very high start-up and development costs to get off the ground, whereas other businesses can get going very easily and at a low cost.

The most common practice which many companies choose to register their selves is through the online website of a formation agent. These agents can help and advice you on all the areas covered in this article, such as searching for your desired company name, as well as setting up a company bank account and helping your new business with services such as book-keeping, accountancy, tax planning, business plan writing

Also ensure that you consider any legal and accountancy costs, staff salaries, insurance and banking costs. The business may be eligible for a grant or some form of government incentive, depending on the circumstances. Therefore if you are struggling for funding you may wish to consider this.

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The Number One Worst Reason To Become An Entrepreneur

Why entrepreneurship? The dream to be one's own boss didn't just develop overnight. A better question would be, do you have what it takes to run your own business? Being in business for oneself has long been a way for many to survive and make a living since the beginning of time. Opportunity usually arises out of tough times. Economic history has shown us from past trends that fortunes are frequently made during times of recessions. Many people are sometimes pushed into entrepreneurship simply because no other jobs are available so they create their own. No matter what reasons one may have or drives them to become an entrepreneur, it's most crucial to start with a strategic business plan. Check any government resources or do a search online and you will quickly discover that most new entrepreneurs fail within their first year of doing business due to three major areas of neglect. The three areas of neglect are, not having a business plan, bad accounting, and poor management or lack of leadership skills.

Having a well thought out business plan is an absolutely essential requirement for any start-up business. It will be needed to obtain credit or other financing for the business, even if you are just a one man company operating on a shoestring budget, a business plan will help keep you to stay focused on what you know will create your eventual success. Those who have ever been responsible for a successful major event recognizes that were it not for his or her mindful, methodical, organized planning and effort, achieving success would not have followed. The same could be said of the majority of small business successes.

Why are the odds so highly stacked against the new entrepreneur? Let us first examine our motive or reason as to why we want to start a business. Every entrepreneur needs to be truthful in regards to their own strengths and weaknesses. Being realistic about your reasons for becoming a business owner is a good place to start. Even with the best business opportunities, starting your business for the wrong reasons is a sure way to guarantee your failure. However if you start your business for the right reasons, you are well on your way to success. Let's examine the number worst reason for becoming an entrepreneur.

1. You dream of the road to riches and you think being an entrepreneur is your golden ticket. Sorry to break it to you, but there is no proof that suggests entrepreneurs will make more money than the average professionals. There is however much evidence that the risks of failure are higher for the business owner. If your motive is to make a lot of money and retire young, have more time with family and friends, and be your own boss so no one can tell you what to do than you will have a very difficult road ahead of you.

There's nothing wrong with having dreams of riches and I would dare to say that everyone has had them at one time or another. However, it is the wrong reason in wanting to become an entrepreneur and have failed many who have gone down that road time after time. Wanting to be rich before you add value to what you have to offer as a business is to ensure your own misfortune. Building a successful business takes hard work and dedication, unlike being employed by others where you just put in your time and leave your worries behind comes time to walk out that door. Your business is your own and no one will care for it if you don't. Jumping into the new role of an entrepreneur with both feet without testing the waters is always a bad idea, especially when it is for the wrong reason. Do your homework, thoroughly research your market and come up with your business plan, then proceed accordingly.

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Cross-Culture Business Negotiations in West and East

The development of the society and the improvement of the civilization of human beings have enclosed the relationship of the whole world. Cross-culture business negotiation which targets people from different countries or areas with different social cultural background and different political economic policies has become an important part of international business communicating activity. People from different countries or areas have widely different values, thoughts, behaviors, languages and customs, thus, their negotiation styles are very different from each other. Especially during the last three decades, China has changed its political policies to open itself to foreign investment. Cross-cultural negotiation has never been an easy task. A cross-cultural negotiation requires mutual understanding of culture differences and the practice of applied negotiation styles. "Cultural differences, in contrast, increase the complexity of the relationship and the negotiation encounter, potentially jeopardizing the business relationship's future." Thus, it is important to explore the cultural differences between west and east, and to study different communication styles.

In view of the emergence of global economy, the increase of foreign investment in China and the promise of China's admission into the WTO, at no time in history has there been so great a need for international negotiating skills. In business negotiations, there might be many misunderstandings which may lead to the failure of the negotiation if people don't understand these differences between them and those whom they are come into contact with. Knowing how to deal with the differences in business negotiations has very profound impact on the success or failure of the negotiations, even on the association pattern and association relationship, so it is very important to improve negotiating efficiency in international business negotiations in accordance with business partners with different cultural background and to enhance negotiating management based on cultural differences.

Negotiation rules and practices may differ greatly across cultures. People tend to interpret and judge their negotiating opponents on the basis of their own cultural assumption, and very often the opponent "who thinks differently" will be considered as someone "who thinks wrongly". The potential for misperception and misunderstanding is immense. The greater the cultural differences, the greater the barriers to communication, and the more likely failure of the negotiation.

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Lost Formula For Success

Starting a successful business has a lot of different steps. If you want to be successful in business that takes even more random steps. Or are they really random? Recently after a grueling workout at the most annoying gym in Coppell. It's called Express Fitness.

Ok. I just had to get that out anyway after a rock hard gym workout a smoking hot woman who is also a brain surgeon told me about a web series she has been creating, producing and how its increased her twitter followers. While it may not be a problem now wait until everybody who was your friend all of a sudden hires a lawyer to talk for them. I decided to give her some free tips on being a successful entrepreneur. First it is possible to do a business solo dolo. But it makes it very difficult to build traction when your focus is on the macro facets of your business. The second juicy golden bit is to not ask so many people for advice. While this may seem counter-intuitive because asking questions will get you answers. Just not always the right ones.

The real eye opener for me in this article was that spending to much time on development and not enough time on sales. If you do not keep your focus on sales then you will eventually burn out before your company turns a profit. Another area I worked on with her is on entering a market with no distribution partner. It is a lot easier to enter a market if there are agents active in that market place.

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Success Formula For Dynamic Living

Through the years I have read countless of books (at times 2-3 a month) on Personal Development, Motivation, Self Improvement, Entrepreneurship, Autobiographies of Successful Business People, Tapes etc and everyone tells or sells the same or similar advice. I was always inspired and hungry for more knowledge and I soaked up the information and teachings like a sponge but it left me with the question? What is Dynamic Living actually and can we attach a formula to this? The writing of this article is the culmination of all the abovementioned, hours of reading, information and quotes gathered from all these books. I am no expert in all these areas but merely trying to put things into perspective. My sincere wish is for all of you to take some value out of this article.

Before we even try to get to this Magic Formula of Dynamic Living, we need to start at the beginning. The beginning of Planning!

When we go on holiday, what do most people do, we Plan our trip, don't we! We need to know where we are going and what we are going to do! What do pilots do before they fly? They plan the route. They file a flight plan from point A to B and possibly C and they make sure that they know where they are headed and in which direction they are going, not so? Would you fly with an airline if you knew that the pilots had no clue how to get to your destination? No you would not!

The same Planning applies to our Business Pursuits and our Personal lives. If we Fail To Plan, We certainly Plan to Fail! If you can't manage yourself properly, you won't be able to manage all of the necessarily planning and management tasks that we need to do to be successful on a daily basis. Nothing of the above is possible and you will certainly fail if one of the Main Ingredients i. e. : Motivation and the Want to Succeed is not within you!

I have come to the conclusion that the Success Formula for Dynamic Living is: "A Life Filled with Joy, Happiness, Free of Fear, Worry and Directed Positively at Setting Goals and Planning Effectively".

The Success Formula for Dynamic Living is the following:

DL = GGE + PS x PSI

Dynamic Living = God Given Equipment + Principle of Self x Proper Self Image.

Let's break each component down and analyze them further:

God Given Equipment:
•It is a known and medical fact that we only use approx 5% of our potential.
• We are all geniuses! Yes we are! Believe in Yourself!
• By using the art of Positive Programming we can achieve the unimaginable - If we program with Garbage In - We get Garbage Out! If we Program with Positivity In - We get Positivity Out!
• The experts say that it takes approx 28 days to change a bad habit and replace it with a good positive habit. Believe me, this is not difficult to implement and make a drastic change for the positive in your life.
• We all have tremendous natural ability! We just need to use it!
• Well, what are you waiting for!

Principle of Self:
• The Principle of Self - is the art of looking inside oneself and have the courage and will to change and better oneself.
•Principle of Praise - Don't criticize yourself and everyone around you on a daily basis. Look for the good in everything in your daily life. Positively compliment people and events. You will feel and become a better person by following this advice.
•Principal of Vacuum - Get rid of that vacuum in your head for what you don't want to make room for what you do want. Get rid of the excess baggage and negativity and replace it with positivity. Talk to yourself, motivate yourself. It is ok to do this, nobody will think your are stupid or crazy. If you constantly reaffirm you can, you will. If you constantly reaffirm you can't, you won't. The choice is yours!

•Principal of Creation - Define it, Write down your goals, and Plan your journey. Focus on the Present and the Future. By dwelling in the Past, we are all courting danger and unhappiness.
•Principal of Faith - Believe in Yourself and what you do. Believe in the Higher Hand of our Creator. Trust yourself and your ability. Nothing is impossible to achieve.

Proper Self Image:
• Look at yourself positively.
• Eliminate the inferior complexes.
• It's about how you view yourself.
• Don't worry about other people's perceptions - Focus on your own!

In closing:

Now that you have read the Successful Formula for Dynamic Living, I would like you to do the following:

• Write down on a piece of paper what you dislike, what troubles you have or are faced with, all your worries, all your heart sore and every little thing that bothers you!
• Once you have written them down, read it out loud to yourself or to an audience.
• Take the piece of paper you have written on and make a paper airplane out of it.
• Hold the paper aero plane in your hand, blow with your mouth all the positives into the engine ( back ) of the paper aeroplane, throw and release the paper aero plane and let it keep flying higher and further releasing your troubles and letting your positivity and success soar higher and higher!

YOU CAN DO IT!

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Necessary Tools to Start Your Gum Removal Business

Chewing gum removal has proven to be a very successful business endeavor for entrepreneurs looking to dive into the cleaning industry. Gum removal business professionals can charge from $.75 to $1.50 per square foot or up to $200 per hour for removing chewing gum wads from sidewalks, driveways, floors, walls, and other surfaces. With the relatively low cost of entry and the lucrative income potential, this business presents a great opportunity.

Included in the relatively low cost of entry is the purchase of the right equipment to complete every job quickly and efficiently. Purchasing high quality, durable chewing gum removing machines when you first start your gum cleaner business will provide many benefits along the road, including minimal maintenance costs, faster cleaner capabilities, reduced wear due to high quality components, and more.

Professionals recommend steam cleaners with included gum cleaner kits as the ideal machines for rapid chewing gum cleaning. In fact, top systems enable operators to eliminate 1000s of chewing gum wads per day from a host of different surfaces. Let's look at the four features that must be considered when buying steam cleaners for your gum removal business.

High Steam Temperatures

High temperature, dry vapor steam output is a necessary feature of steam cleaners for chewing gum removal. With top suppliers offering that machines with temperatures up to 386°F, operators can quickly dissolve stubborn gum residues on contact. The emission of dry vapor steam offers minimal water content, of only 5%, which reduces the amount of water used in cleaning. This allows professionals to boast that their services are eco-friendly.

Gum Dissolving Solutions

Any gum cleaning machine for concrete gum removal or a host of other applications should be paired with a biodegradable gum softening solution. The addition of this chemical works alongside the high temperature steam to readily dissolve the hardest, most challenging gum deposits. In addition, the biodegradable designation goes a long way in ensuring your business remains friendly towards the environment.

Stainless Steel Gum Cleaning Brushes

The best machines include heavy-duty, rugged stainless steel brushes threaded onto the gum tool for maximum strength in agitating and loosening the oldest gum deposits. The price of brushes is also something to consider. While some suppliers offer low-quality, less durable brushes at up to $20 per brush, the industry's best suppliers enable customers to purchase high quality, rugged stainless steel concrete gum removal brushes at a fraction of the cost.

Simultaneous Extraction

No gum cleaning machine is complete without the addition of an attached vacuum. This added feature enables users to simultaneously extract gum residues as they are dissolved for complete removal. In addition, no watery mess is left behind after cleaning. Surfaces are left clean, relatively dry, and gum-free, which will certainly please your customers.

Ultimately, entering the gum removal business can be a lucrative career option for self-starters. By purchasing the right machines and accessories, you can ensure the success of your business and the satisfaction of your customers.

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The Fool Proof Entrepreneur's Plan To Escaping the Rat Race

Do you have hopes and dreams of escaping the rat race? You're tired of the same old routine, you know the deal, wake up go to work, come home go to sleep, wake up go to work. Will it ever end? Well, there happen to be a direct formula to escaping the rat race. A formula that top 3% of money earners in the world have learned to master.

When it comes to entrepreneurs thriving in a cash flow business, formulas, processes and systems will maximize cash flow and revenue, but most entrepreneurs who are wet behind the ears seem to neglect this. There is more to escaping the rat race than just saying, I want to start a business.

If I were you, I would follow this process to achieve financial independence as an entrepreneur escaping the rat race.

1. figure out how much money you need.

2. List all of your assets.

3. Dream up every way you can use your assets to make money.

4. Select a method that is proven. Does this method already make money?

5. Verify that others will pay you for the product or service.

6. If all the signs are good, test the idea in the real world

7. Once you are absolutely sure the idea will work, then and only then should you invest significant time and money into the project.

8. If you cannot work out a workable income source, work out a plan to increase your assets.

9. Once you have a plan you are certain will work, work long and hard to make it happen.

10. After you have one steady source of income, look for another source by repeating the steps.

As you can see, when entrepreneurs approach their craft with a plan, a formula, process, or system, escaping the rat race becomes realistic and easy to obtain.

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