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Friday, January 28, 2011

The Hard Parts Of Your On Line Business..

The Hard Parts

A site or blog, if it is to become a business, is the "easy part" that comes between 1) the planning and 2) the traffic-building and converting of that traffic into money.
99% of e-businesses fail at the critical "hard parts." If you fail at those, your site or blog fails. If you execute them well, your online business thrives. To get them right...  
Use the only all-in-1 product that provides all you need (process, tools, updating, help) to build long-term, profitable e-businesses... businesses with high intrinsic value, equity that you can ultimately sell, just like well-built offline businesses.
SBIers build businesses with growing income and equity. That is what delivers life-changing freedom .

Monday, January 24, 2011

How To Manage Your Money Better

You have done the next major thing after getting your education and a job.You have just started your family and it is growing.Ahead of you lies the much tramelled road from time immemorial that every family had trudged:how is the family income to be managed.Out in the marketplace in the rush to live it up many fail or refuse to listen to the soft chirping of prudence on money and it's life and death domino role on physical living.Here are three signposts you must never take your eyes off of:
  1. Keep 3 to 6 months nett income in a rainy day fund. Your rainy day fund is your first line of defence against declining nett left-over pay and rising expenses.There will always exist the possibility of another downturn or emergency down the road.This rainy day fund buys a cushion of time to keep rowing your boat towards a safe harbour.
  2. Save 10% of your income each year. Get off the debt path.Financial distress can place the family on crutches.If you can't manage your credit cards lock them away.Get and keep a handle on your eating out entertainment and impulsive expenses.
  3. Explore revenue enhancing options. When it comes to the future should you wholly rely on government or your employer or a bank?Self reliant entrepreneurship is the way to take control of your future.Ninety percent of the wealthy own their own business.In staying where you are,are you building your life or someone else's?Entrepreneurship opens doors.Plant an income tree,not plunge into a capital intensive millstone of a business.Here's an income tree you can plant for the cost of a lunch.   
 Plant An Income Tree,Don't Start A Business Yet..

Sunday, January 23, 2011

Beyond The Piggy Bank ,Teaching Kids To Manage Money.

Walking through a supermarket my girl spied a sports shirt on sale for $33.00,marked down from $47.00."We'll save $14.00 if we buy this NOW,"she said.She stared at me when I said,"We'll save $33.00 if we don't buy it at all."
Kids absorb lots of messages,values and attitudes from the media and friends.Advertisements whet their appetite for so many things that they don't need.What we ought to do is give them an understanding of the value of money, of 'herds and flocks'.They also sponge up on your example on spending,living,manners and money management.There are compelling reasons to teach them to be money savvy in today's environment and culture.
How do we then teach them?Schools don't teach that.It's up to parents to help their kids into growing up to be responsible,skillful money makers and spenders.The lessons begin now.
  1. Pay them a regular allowance.Then teach them in simple doses how to use it and plan spending.Guide them in the relationship between money and shopping.Be open and frank with them about what amount you can afford to give them now and what you expect them to pay for.Guide them to learn about balancing spending and resources.They don't always have to spend for themselves.If the kids want to forego their allowance to put into a family campfire or road trip for example,let it be.They will learn about togetherness as a family instead of being obsessed on themselves or their needs.
  2. Save then spend.The first step to managing money is setting some aside.Help them set small personal goals.Encourage them to buy small items first before they go on to bigger bills.Keep their goal of what they want to own visible to them.If they see something they want to buy for e.g. cut out the picture and tape it to a piggy jar where they can see their money 'grow'.It's especially important,so they don't blow away their 'fund'.If they show prudence and show effort to save you may want to consider a matching grant.
  3. One more thing though. Too much guidance you end up controlling or mollycoddling them.They don't learn to think for themselves.Remember, the goal here is competence,self reliance and independence. Let them make mistakes.Stay out of their decisions and let them experience the disappointments of a bad buy.What is precious is they learn how to choose,make choices and grow in making good decisions outside your supervision and your bearing down on them.

Today Is The First Day of the Rest of Your Life


    Thursday, January 20, 2011

    Building Your Dynasty...

    Some food for thought for the weekend.. the following material has been culled from Time.com's Archives...

    1. Sheet by sheet, they cut the precious cotton into one-inch squares. Who?


    2.The man who has scraped up enough money and courage to start his own business is still very much part of the American dream. In a day when U.S. big business is successfully exporting its machines and methods abroad, smaller American entrepreneurs are also exporting that dream. In Europe, Southeast Asia, Latin America, even Africa, hundreds of Americans—who often get their first business ideas while traveling as tourists—are setting up every sort of business from popcorn stands to advertising agencies.

    Tuesday, January 18, 2011

    No Guts,No Triumph

    As you stand on the horizon of a new year pop yourself this question:What is your future going to be? Globalization has made the marketplace your oyster.The courage to go against convention,to be a high performer has never been easier than now.You've got the whole world in your hands.Step into tomorrow today.
    Take the reins of your own life.Do not let it slither away into one of enduring it in quiet desperation . Life , however it has come to you or has come down to you, is do-it-yourself kit.Success is not going to abseil in from luck's skies or fate or the position of the planets.You control your own destiny.Self reliance has turned newsboys into editors,waiters into restaurateurs.You do yourself great harm in wallowing in self pity or ignoring the cries of 'Wolf!Wolf!' from those in the trenches of financial despair and hopelessness.

    Set and write down your goals.Visualize them.Keep your eyes on the oak tree of your goals.Learn new skills.But stay course.Persist,push on.There's a world waiting out there-go for it!If you're stuck in a rut of a job stay away from 'pity' sessions or groups of 'Gripes Anonymous'.You may think it's good to be with them but you are actually clambering back onto the shipwreck you slid off from earlier.Instead raft away.Find a new beach.Find a new trail.Start anew.Make new footprints.A life without danger,daring and perils faced is a life not lived. To discover a new sea you will have to leave shore.

    No Guts , No Glory