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Month: April 2021

7 Powerful Tools to Attract Perfect Clients

7 Powerful Tools to Attract Perfect Clients

Who is your perfect client?

What does he or she value? How much money does he or she want to spend? Where does your client go on vacation? How easy is it for your client to make a decision?

As you clarify your vision of your perfect client, you set an intention for these people to find you. You stop and invite perfect clients into your life. You do not have to figure out how they will find you.

When you become very clear on something that you want, isn’t it easier to find it? Let’s say you want a new computer. How much do you want to spend? What does it need to do? How much memory do you need? How fast should it operate? Does it need to be networked to other computers or your printer? If you are not specific, you know the wide range of products that can come in the door. When you become very clear – your next home, your next car, your next vacation, your next pet – the right choices will come to you in a much easier fashion. You will find it easier to recognize the right choices because you are clear on what you want.

Power tool to attract clients #1: Focus on a client that you really like. Focus on a client for whom you could do no wrong. List the attributes of that client.

Power tool to attract clients #2: Seriously contemplate letting go of clients who are taking your energy. You know the clients I am talking about. You would rather clean the toilet than hang out with these clients. You see the caller ID and you run. These are the clients you need to release.

Power tool to attract clients #3: Become even more clear on the clients you seek — perhaps you sell web site design. Your perfect client seeks a dozen sites designed over the next year and has venture funding to pay you well. He or she wants to give you a lot of freedom, responsibility, pay and respect. That sounds like a great client to me.

Power tool to attract clients #4: Stop looking so hard. Tell all your friends. Tell your relatives. In real estate and MLM businesses, this is called communicating with your sphere of influence. Your haircutter, your mailman. You have no idea if people would love, honor and respect your services if they have no idea you provide those services. Do not close off opportunity by neglecting to share what you are seeking with people you see every day.

Power tool to attract clients #5: Dream about clients calling you out of the blue. This is a funny one, most people cannot really do it. Have a daydream moment where you picture someone showing up in your life, needing your services. Here is an example that happened for me recently. I flew to Seattle to attend a power workshop. My intention was to enjoy the workshop and learn a ton. The night before the workshop, I went to a VIP party and landed two writing gigs that I was not seeking. Just chatting about perfect clients attracted them to me, without even trying.

Power tool to attract clients #6: Be open to new opportunities. Don’t be surprised, with this mindset, if your gardener sends you a perfect client. It’s crazy what can happen when you open your mind.

Power tool to attract clients #7: Be that which you are seeking. This will help you attract more excellence. The Law of Attraction says like attract like. So what are you like? Do you make decisions easily? Do you stress and analyze forever? As long as you like clients like that, no problem. If you want a change, change yourself.

Who is your perfect client? Is he or she someone who:

o needs your product or service

o will refer your business to many clients a lot like them

o makes decisions easily

o pays for your service on time and with ease

o is friendly and easy to work with

o communicates clearly and lets you know how you can help them

Stop everything you are doing now and grab a pencil or pen.

Write a list of your perfect client attributes. Don’t worry if you are busy, or if you are not sure really why you need to list what is perfect. You are most likely able to come up with a dozen reasons to not do this right this moment, but do it anyway. Stop and list what would be incredible, awesome, inspiring and true in your favorite customers. What do you want to see? Picture it now.

Are you done yet? No, not yet!

Now that you have a list of at least 10 attributes of your perfect client, let’s take this a step further. Picture feelings of excitement, joy, and delight when this person or people come into your life. Picture yourself knowing with certainty that you are meeting all of the right people, all of your perfect clients, right now. Imagine these clients were always around you and you could not see them before.

You are on your way.

Source by Erica Nelson

How To Make Money Online With Google Adsense – Total Newbie Guide

How To Make Money Online With Google Adsense – Total Newbie Guide

Well where should I start? I was one of the MANY people who tried to find a profitable internet business to make extra income. I bought every single money making ebook and tried just about every program out there. Though, most were scams, those that did work, made me no more than a few dollars.

I recall coming home from work everyday to sit infront of a computer searching for my internet success. I almost gave up, thinking that there was no way I was going to make a living off of this thing.

I read forums, ebook after ebook, newsletters, I tried them all. After a while I learned the tricks of the trade, and developed the knowledge of how everything works and I finally did it.

Now that I’m situated in my life, I’ll provide you with My Free service that made me lots of money. Though there’s one thing I found out and remember this, There is no way you can make money online, without spending money.

Here are some simple steps to get you started:

1. Get Web Hosting and a Domain Name.

2. Sign up for Adsense.

3. Start Building Content and your Website with Xsite Pro.

4. Promote, Advertise and everything else in your power to get traffic.

5. Watch the money start pouring in.

You must learn to build and grow your website, who knows, maybe you’ll start earning big money like the pro’s who earn thousands a month doing nothing, except for what they love to do.

Source by Joe Peace

Exercise, Healthy Eating, and Weight Loss Supplements Are the Best Combination

Exercise, Healthy Eating, and Weight Loss Supplements Are the Best Combination

Weight loss supplements boast helping you lose weight fast and be skinny as can be, and while the fantasy is more that than a reality for the majority of us, they can help you with your weight loss if you have reasonable expectations to start with. The first step to losing weight is to put together a solid plan of healthy eating and daily exercise. This plan should be developed with the help of your doctor, a nutritionist and fitness professional for the best plan for your specific situation and for the best results possible. You will have to do the hard work and change the way you live if you want to keep the weight off, but a pill can help you lose weight and reach your goal quicker.

Weight loss supplements are available almost everywhere including health food stores, retail establishments and all over the Internet. Before you choose the one you think is right for you, you need to do some research and make sure the ingredients are safe and the side effects are something you can handle. Keep in mind that weight loss supplements are not evaluated by the FDA and therefore it’s your responsibility to make sure they are safe. Talk with your doctor about whom supplements are safe to use with your current medical conditions and medications or other supplements you may be using.

losing weight is difficult enough without harsh side effects and unknown ingredients, not to mention the false claims, but if you take the time to find the right dieting supplements for you there are great benefits to using them as part of your weight loss plan. With some hard work and dedication to your weight loss plan you can get the results you’ve been looking for and find the you you’ve been dreaming of. Being thin and fit doesn’t have to be a bitter dream you feel like you’ll never reach, so put together that plan, find the right supplement to help you meet your goals and get on your way to a new you.

Source by Calista Meade

Need Money Today? 7 Survey Sites That Will Cash You Out at $2 or Less

Need Money Today? 7 Survey Sites That Will Cash You Out at $2 or Less

Paid Online Surveys

For anyone trying to master the art of working from home and making money online, paid surveys are often the first thing we try. There are literally hundreds of sites out there and not all of them are worth joining. I know, I’ve joined over a hundred of them and put them to the test.

Earn Extra Money

The first thing you need to know about paid online surveys is that it will NOT make you rich. Any site telling you that you’ll earn hundreds of dollars a week is being untruthful. It can take anywhere from 10 minutes to over a half an hour to do one survey and some of them pay less than a dollar. So you have to invest some time into getting paid.

Typical Cash Out Requirements

Most sites have a minimum amount of cash or points that you must accumulate before you can request a payout. These thresholds are usually $10 or $20, but I’ve seen them as high as $50. You really need to set aside an hour or more a day to just do the surveys in order to get a faster payout. It can take a few weeks or a couple of months.

How Long Does It Take To Get Paid?

Well, for all you make-money-online addicts out there, the long wait for cashing out is over! No longer do you have to accumulate $10, $20 or more before receiving your cash. I found 7 sites that let you request a payment with $1 or less in your account! That’s daily pay and finally makes taking surveys seem worth it!

Here they are:

1. Survey Savvy-Minimum payout: $1.00.

You currently get paid by check only, no PayPal, so it takes a few weeks to receive your money.

This is, by far, the best deal going out there. You have many ways to earn on this site from taking surveys, making referrals and installing the

SavvyConnect software.

Here’s 4 ways you can earn with Survey Savvy:

  • Your Surveys – They will email surveys to you or you can go to their website to see if there are any available. Their surveys tend to fetch from $2 to $5 each, so they pay well. They don’t email surveys often so I recommend checking in at the website every once in a while.
  • Survey Savvy Referrals – For every person that signs up using your referral link, you get a portion of their winnings when they complete surveys. It gets even better: you also get a portion of the winnings from each survey completed by anyone that signs up under your referral’s link. It averages $.50 per completed survey.
  • SavvyConnect – This program pays you up to $60 every three months to download their software to your PC or phone. They track your PC usage and use the information for market research purposes.
  • SavvyConnect Referrals – If anyone downloads SavvyConnect with your referral link, you will get extra cash also. You receive approximately $5 to $15 for SavvyConnect referrals and about $2 for their referrals.

In addition, you occasionally get access to exclusive and higher paying surveys.

2. Quick Rewards Network-Minimum Payout: None

Request a payout and it gets deposited into your PayPal account, usually within 24 hours.

This site has a mind-blowing list of surveys available every day, each worth about $.60 to $1. They also occasionally offer research studies, which pay a little more. Aside from the surveys, you can also earn by shopping, visiting websites, completing offers and more. It’s so easy to save up a few bucks on this site because there’s so much to do.

Warning: Quick Rewards will absolutely inundate you with surveys in your email, it’s almost insane. I suggest setting up a free email account and using that address solely for your survey sites.

3. One Day Rewards-Minimum payout: $.10.

Yes, ten cents. It is deposited into PayPal or Bitcoin, often within a few hours.

The $.10 minimum is covered by completing just one survey so you can get a daily payout. One Day Rewards offers you all the usual ways to earn cash, including completing offers and referring others. There’s plenty of ways to earn here. If you seriously need a few bucks fast, I suggest this site!

4. Rewarding Ways-minimum payout: $1.00.

Get paid via PayPal, Amazon, Payza or Skrill. PayPal is credited instantly, while the others take about 24 hours.

Much like Quick Rewards, you get paid to complete offers and do surveys as well as contests you can enter with your winnings, if you choose. They also have a pretty good affiliate program, earning you 25% of your referral’s pay for life.

5. Center of Prizes-minimum payout: $.01.

That’s 1 Penny only for getting paid instantly through PayPal. It’s $20.00 through Bitcoin, or $10.00 if payment is made by Visa prepaid gift card and money order which takes 1 to 3 days.

You can also redeem for various gift cards including Amazon, iTunes and Xbox Live / Credit.

On this site you can complete tons of deals and offers as well as games and contests but they have very few surveys. Still, with the instant payout I thought it was worth mentioning.

6. Research Global-Minimum payout: $2.00.

You get paid through PayPal.

This site is more research-focused. Surveys are emailed only as there is no website to check. As well as surveys, you may get invited to a product test, market research study or focus group. These tend to pay MUCH better than online surveys. You can also earn with referrals and an affiliate marketing program.

7. Offer Nation-minimum payout: $1.00.

That’s if you get paid through PayPal, Skrill or Amazon gift cards. It’s a $10.00 minimum through Payza.

They pay their members three times a day, but you can request an instant payout through PayPal any time you want.

You can earn cash by taking surveys, completing offers and making referrals. Referrals pay you 25% of winnings for life.

Keep in mind that when you complete offers you must submit them for approval. This can take up to 30 days, although many are approved with one day. So, even though you can request an immediate payment, you may have to wait for your account to be credited for some offers.

Now You Can Get Cash When You Need It!

That concludes my list of surveys that will pay you today. Need gas money today? Do some surveys. Need beer money? Complete a few offers.

Well, there you go. There’s 7 ways to put some cash in your pocket today.

While surveys aren’t a lucrative business, they are a great way to supplement your income. And there’s no other way to fund your PayPal account when it can’t wait and you need money now!

Source by Cindy S.

Speed and Agility Training With Supplements

Speed and Agility Training With Supplements

When performing any type of speed and agility training programs there are essential vitamins and supplements that will help maximize your results. With all the over the counter supplements available it is hard to determine which ones will help and which ones will be a waist of money. Most vitamins have been tested and have proven results but many supplements have no scientific proof that guarantees the product will work. For the purpose of this article I will concentrate on vitamins and proven supplements only.

The most important vitamin or supplement is the multi-vitamin. This is the foundation of maximizing your results and your other supplements if you are taking any. Without a good multi-vitamin much of your training work will not get maximum results. It is a known fact that while doing a speed and agility training program, your body exerts itself well beyond the normal daily activity and needs more vitamins and minerals to support the extra work your body is requiring to support such strenuous activity. If your body is lacking in vital vitamins and minerals, your workout will not be as intense, and will not produce the same results. Also, if you are taking supplements, they will not be utilized to their maximum efficiency because your training is not as intense as it could be.

Another recommended mineral is Omega 3. This has been tested to alleviate muscle and joint soreness, and increase stamina. In some test Omega 3 in conjunction with a speed and agility training program, weight loss was accelerated. The importance of alleviating muscle and joint soreness cannot be stressed enough. An athlete that is sore will not train as hard as an athlete with fresh muscles. If those tests were accurate and fat loss is accelerated then the speed and agility results will be accelerated. One big mistake many football players make is adding too much weight to quickly, which is usually fat weight. Look at excess fat weight as exactly that, WEIGHT. Time yourself in the 40 yard dash or 100 meters and then do it again with 10 pounds of weight on you back. Which times will be faster, with or without the weight? I think you will know the answer. The argument many athletes use is that my body will get used to the weight and the speed will be just as effective. Well just think how fast you would be if you eliminated that excess weight? Strong, tight muscles and a very low fat percentage on your body will give you the best results at the end of you speed and agility training program.

The one supplement that has been proven in many scientific tests is creatine. Used correctly this supplement will increase the results of your training program without the side effects. Creatine gets its results by enhancing physical performance by increasing the number of times that ATP can be recycled during physical exertion without increasing the absolute amount of ATP stored within your muscles. For the short-term this means that creatine supplementation taken correctly will improve your ability to sustain near maximal force generation during repetitive bouts of intense exercise without actually increasing the amount of peak force we can produce.

With the use of the multi vitamin, omega 3, and creatine, you are providing the building blocks to help maximize the results you expect from your speed and agility training program.

Source by Michael Seno

How Entrepreneurs Make Money Selling Global Brands On and Off-line

How Entrepreneurs Make Money Selling Global Brands On and Off-line

Did you know that thousands of companies from all over the world are looking for enthusiastic individuals to represent their products overseas? That person can be you. From Chinese toys to Brazilian bikinis people are making money reselling all kinds of products for a profit.

Don’t fret if you’re new to the Internet! Thousands of “ordinary people” leverage the Internet to sell global brands on and off-line. I say ordinary people as a reference to the rest of us, those who log online simply to read email, check the latest headlines, and to look something up on Google. Does this describe you? If so, you can literally start earning money representing firms from all over the world who are eager to establish contact with motivated entrepreneurs.

Having lived and worked in three continents, I can assure you that there are thousands of great companies with awesome products or services anxious to promote their goods overseas. Don’t be intimidated if you think you don’t fit their professional profile. You probably do and proof of that is my remarkable experience with successful representatives reselling Brazilian Bikinis.

–Case Study–

I often receive phone calls and emails from men and women all over the world wanting to know more about importing and reselling Brazilian bikinis. We get requests from students, single moms, shop owners, and entrepreneurs who work full-time but would like to make some extra money on the side.

–Getting Started: From Concept to Execution.–

Selling international brands is easier than you think! To help you better understand the process we’ve compiled a list of commonly asked questions that have empowered representatives to take the plunge and become successful international sales representatives. We list 10 questions you should ask your potential supplier but this shouldn’t prevent you from requesting more information.

–10 Questions to ask your Supplier–

1. Can I trust doing business with you in Brazil or a country I can’t even pronounce?

2. I’m worried about buying online. How do I pay for the goods?

3. Okay, now that I’m convinced that you’re a reputable supplier of premium brands, what’s the next step?

4. Which samples should I order? How do I pay for them and how much does it cost?

5. I find your prices higher than others.

6. What about import duty?

7. How much should I price your product in the market?

8. The samples arrived and they are absolutely gorgeous! What next?

9. The reaction has been positive. Friends and others want to buy. What next?

10. Are you flexible with payment terms?

Note: Answers to these and other questions can be found on our site.

Armed with answers to these and other questions you’re now well on your way to making money selling global brands on and off-line. Remember, the Internet serves as a powerful tool, as a means to reach your objectives. It should be used in conjunction with offline sales efforts in your respective markets. If ordinary people with little online experience can do it you can also.

Source by Thales Panagides

Postcards Are Cheapest, Fastest Return On Your Investment

Postcards Are Cheapest, Fastest Return On Your Investment

Postcards are one of the oldest direct marketing tools that are still effective today.

In our high tech digital world low tech postcards are still the best, fastest working direct marketing tools ever. If you don’t believe me, check your mailbox. Don’t think the companies that stuff your mailbox are stupid. If they didn’t make big bucks, you wouldn’t get all that mail from the same companies over and over again.

Postcards get noticed.

A well-designed inexpensive postcard campaign with strong call to action copy will keep your company at the top of the mind of customs.

Postcards are cheap.

Postcards when compared to other marketing tools are the cheapest to print than they ever have been. Online printing companies make it easy to find the best value cheap postcards without spending a lot of research time. As a matter of fact, full color postcards are cheaper than two color cards were just a few years ago, so you get more bang for your buck. You can buy 5,000 4.25 X 6 high quality full color postcards for under $160

Postcards are read by almost everyone.

It’s harder not to read an interesting postcard than to avoid reading it. An eye candy design and a compelling offer can catch your eye and it’s difficult not to read it. Nothing else in your mailbox can capture that much attention except a large check from the government. Most junk letters never get opened unless they looks official. People don’t have the time or care to read. Flyers can also have too much to read and they instantly get tossed. On the other hand, postcards are noticed and read because the message requires just a second to decide if you’re interested or not. They don’t have to be unfolded and they don’t waste time with a lot of words.

Postcard campaigns return a high ROI

If you plan on sending only one postcard, you may be wasting your money if you are trying to determine the results.You don’t have to have a huge mailing list to monitor your postcard stats. If you don’t have a lot of money to test the direct mail marketing waters- and what small business does-, you can print wholesale inexpensive postcards in short runs of 100, 250, 500 or 1,000. The trick is to send them every 4-6 weeks to the same list. Each time with a different offer. It’s not the quantity, but the frequency that keeps your brand in front of your customer.

Postcard effectiveness testing is fast and easy.

Use short run postcards to try different ideas and see which ones have the best returns. Once you know what works slowly increase your mailings and keep on checking results. The best value for short run postcards is about $55 for 1,000. You can send as few as 100 cards at a time to spread your mailing cost. Just make sure you change lists.

Postcard printing tips:

1. When buying cheap postcards online, don’t buy the cheapest deal you can find. Cheap looks cheap, feels cheap and can represent your company as cheap. Considering the size of a postcards, the paper stock should be the issue unless you are printing hundreds of thousands. The minimal card stock weight should be a heavy 14 Pt or extra heavy 16 Pt.- either UV or matte coated card stock.

2. If you’re distributing the card through the mail, the address area should NOT be UV coated. UV coating is a liquid laminate that can’t be overprinted with a personalization or address for mailing. There are two solutions for this issue. Order your cards with UV coating one side matte coating one side or pay a little more have your cards printed with spot UV coating so you can decide what is to be glossy. Spot UV coating is an eye candy wow factor effect that will catch attention so your card has a better chance of standing out and getting noticed.

3. Bigger is better when it come to postcards and diamonds. Postcards are available in many sizes. Small 4 X 6 and 4.25 X 6 postcards can be sent at lower postcard postal rates. You’ll save money but lose impact. If you’re going to do it, do it right.

4. Print “SAVE THIS CARD,” you’ll be surprised at how many will then save it. If you say it, they will be it.

5. Be sure to put a time limit on your offer. Add a tracking code so you can identify the mailing you sent out. The offer should be redeemable only with that code. Customers like to receive codes because they are identified as being special.

It doesn’t matter if you have a small local pizza takeout or you’re selling tours to Europe nationally, the key is to make sure you have a “can’t refuse” offer and your card looks impressive. You don’t have to spend much money to get a postcard campaign going. Plan to send six different postcards in 6 months and you will make money fast and easy once you get your program started. Remember it takes money to make money and cheap but high quality postcard campaigns will make you money and a high return on what you have spent.

Source by Fred Aronowitz

A Safe ID Trust Review You Need To Read Before You Join

A Safe ID Trust Review You Need To Read Before You Join

If you’re reading this article, chances are you’re looking for some information on Safe ID Trust. Perhaps you’re researching their product or maybe you’re even thinking about becoming a distributor so you can make money. If that’s the case, look no further. In this unbiased Safe ID Trust Review, I’ll cover details about the company and business opportunity so you’ll be in the best position possible to make an informed decision.

First things first, let’s cover who Safe ID Trust is and what they do. Safe ID Trust is a company that sells an identity recovery membership through a Network Marketing (or Affiliate Marketing) business model. The company was started by Brian McLane and has a solid corporate team in place. What’s interesting about the Kentucky-based company is that although the Network Marketing arm just started a few months ago, the company itself is 3 years old and already has almost 500,000 customers. This is significant because while the opportunity is new, the company is not, so you minimize the typical risks associated with start-up companies. Also, interesting is the unique spin to their product. While there are other companies marketing identity theft protection services, Safe ID Trust is more focused on the actual recovery. In fact, from the information I’ve seen, they’ve aided in recovering almost 10,000 identities over the last 3 years. And in most cases, they’ve recovered them in 90 days or less. The annual cost of the membership is $300, which is pretty competitive with similar memberships in the market place. With identity theft on the rise, it’s easy to see that there is very viable opportunity with the company.

Second, let’s go into the actual business opportunity. There are two ways to get started with the company. The first way is by becoming a free affiliate. Free affiliates get a replicated website where they can earn $100 retail commissions for every $300 annual membership they sell. In order to participate in the rest of the compensation plan, you’ll have to get started with the Wholesale Product Package (or WPP) which costs $299. The WPP comes with 6 prepaid memberships. The idea is to keep one, which covers your entire immediate family, and sell the other 5 to friends and family. You can offer them wholesale pricing and sell the memberships to them for $150 or $200. Let’s say you sell all 5 of the annual prepaid cards which came in your WPP for $200 each. Your customers will be happy because they’re actually saving $100 off the $300 retail price. But you’ll be able to make $1,000 and get profitable right away.

You could also do the same for your autoship. As a distributor, your autoship, or auto-delivery, will cost $100 for 2 prepaid annual membership cards. If you turn around and sell those memberships for $200 each, you’ll make your $100 back and earn $300 profit. For people who don’t want to build a team of distributors, this can be a very simple way to earn an extra $300 a month. If you decide to sell your cards at the full $300 retail price, you’ll earn an extra $500 a month without ever building a team.

Of course, just like other Network Marketing companies, the big income potential is in building a team of distributors. As you start building a team, you’ll earn a $25 Fast Start Bonus for every person who joins with a $299 WPP. You’ll also earn a $25 Match when you’re personally sponsored distributors, bring people in at the $299 WPP. In addition to that, based on your rank you’ll also be able to earn a coded bonus of $25 to $75 for every person who joins your openline group with the $299 WPP.

On the residual side, the company has a Binary structure where you are building a right team and a left team. As you build your organization, you’ll be placing people on either your right team or left team. Each week the company looks at your organization and whenever 100 BV on your right team matches up with 100 BV on your left team, you’ll earn a $20 Cycle Bonus. Each WPP carries 30 BV and each auto-delivery carries a 40 BV, so as you grow your two team structure, you’ll start cycling. At the top position of National Director, you can cycle as many times as you want up to $25,000 a week.

Is It A Good Opportunity?

The short answer is YES. The company has a solid leadership team in place and they have a product that fills a need in the market place. So does that mean you’ll see success just by joining? Unfortunately, no. You can have the best product and compensation plan in the world but if you have to prospects to talk to, you’ll see very little success. Sure you might be able to make a few hundred dollars a month but if you want to build a significant residual income, you’re going to need to sponsor a lot of people. This is why I recommend Attraction Marketing. If you can learn how to generate leads online and position yourself in front of people already looking for what you’re offering, you’ll be able to generate more leads that you can get to. And if you have significant flow of leads, and you have a simple system you can take new people through, there’s no telling how big your business can get.

Source by Jaime Soriano

Earn Money Writing

Earn Money Writing

Money is a necessity and everyone would love to have the satisfaction of earning on their own. Writing is considered one of the best ways to earn money from home. A number of writers freelance for magazines and newspapers but the Internet has changed the writing scenario. The Internet has opened up tremendous opportunities for writers to earn a good part-time income from home. Hence, most people today prefer to write for various websites, ezines, weblogs and ebooks instead of magazines and newspapers. The best part of earning money through writing is the convenience and ?no pressure? factor. Writers get a chance to earn money at their convenience and without any pressure of deadlines.

Many online companies willingly buy articles from writers who have exceptional knowledge about different subjects such as computers, marketing, investments, savings, cooking, health and so on. It is noted that most of the time; writers do research on these subjects from the Internet to compile their articles. Writers possessing good writing skills can also write on topics that interest them and sell them to various online companies. There are websites that give writers the best opportunities to start earning money through online writing. Signing up is free, and writers can submit their articles on registration forms. Some websites allow the same article r to be sold a number of times to different companies. Others may not offer ?reselling? and writers are paid only when their articles are bought by some other party.

Writing ability and perseverance are the two main qualities required to earn money through writing. After gaining experience from online writing, writers can pursue professional markets such as newspapers and magazines, and can create their fulltime earnings from freelance writing.

Source by Jason Gluckman

Major Causes of Financial Problems

Major Causes of Financial Problems

8 Causes of financial failure

Struggling financially? A lot of people are even though they give everyone the impression that they have it all made. They are working, live in a nice house and drive a nice car, but are living from payday to payday. Here are 8 major causes of poverty in the first world.

Living beyond your means

There is no getting away from it. If you spend more money than you earn then you must be getting your extra money from somewhere and that almost always means borrowed money, also called buying on credit. There is a cost to all of this and it is called interest. If you are in the habit of buying stuff on credit then the interest you are paying during your lifetime will add up to a fortune. The interest is sometimes called dead money because you have nothing to show for all of the interest you are paying.

Think of what you could have spent with all of that interest. It is almost too painful to even think about but if you are to avoid poverty then you need to pull your head out of the sand and face the facts; your financial future depends on it.

Keeping up with the Joneses

Some people try to keep up with their peers with whatever they are spending their money on. It’s a compulsion that will cost you plenty. Living up to some kind of self image will severely dent your finances and will prove costly by the time you stop working. You may think your peers are doing well financially to afford this stuff or even think they have done well for themselves but what you don’t know may surprise you. That they may be up to their eyeballs in debt. Even if they are living within their means to finance their lifestyle it does not mean you have to keep up with them.

Don’t be a people pleaser and live up to other people’s expectations, live according to what is the right course of action for your own circumstances and you will be far happier.

Consumer Debt

Consumer debt or dumb debt as it is often called is purchasing stuff with borrowed money. It is spending tomorrow’s income today. Debtors are usually oblivious to what is happening to the so-called stuff they bought on credit; that their newly acquired possessions are worth less the minute they have bought it. A crucial factor which needs to be observed is this; The money owing on the item is always more than what the item is worth. No one so many people are caught up in the debt-poverty cycle and it is not just those on lower-incomes; in fact people on a middle -income are prone to this trap.

Commercial Greed

Commercialism during the 20th century has brought a lot of prosperity; it has provided jobs and created countless businesses but there is another side to it. The first world poverty which is caused by an insatiable appetite for things. People are not content with just stuff they need but keep wanting more. This all has to be paid for, it is money that could have been used to build a financial base for their future.


Addictions are very expensive; just ask any smokers. One does not need to be a mathmatician to calculate how much cigarettte smokers are paying for their addictions. It is estimated at over $100 NZ per week. That equates to five grand per year and fifty grand per decade. No wonder many smokers are broke. It is the same with those who are addicted to alcohol and the pokies.

Financial illiteracy

Financial illiteracy is the major cause of financial poverty and it is not only those with low incomes who are financially illiterate; people on a high income can also be guilty of this. You hear stories of successful sports people who earned millions during their heyday but are broke years after their retirement. It is important to save and invest your money during your best earning years to set you up for when you are no longer earning as much.


Not taking responsibility for your own finances is irresponsibility. They will come up with all kinds of excuses why they have not joined kiwisaver or are not contributing. Excuses such as, “You can’t take it all with you,” “I might die before retirement,” or “I’m only young.” People who are irresponsible with their finances tend to be irresponsible in other areas of their lives as well. Making commitments whether it is in a relationship, owning a house or car, or saving for your retirement takes responsibility and that is what separates the men from the boys.

Bad Company

There is no doubt that bad company is a major reason why so many people are living in poverty. It has been said, “You are the average of the five people you spend most of your time with,” so it pays to examine who you are hanging out with and ask whether their attitudes and opinions on finance are influencing your money habits. In order to grow you need people to help and encourage you. This sometimes means separating from bad company. Some find that hard but in the long run it is all worth it.

Source by Robert Alan Stewart

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