Monday, June 29, 2009

Fixing Financial Affliction


Article Entitled: Fixing Financial Affliction

FIXING FINANCIAL AFFLICTION

By Dr. John E. Russell

Failing finances are a common problem now-a-days. How does one extricate himself from a heavy debt load? There are ads that offer to do that ... for a price. It may be the answer for some. However, there are things one can do for himself.

The first step to relieve debt is not to make any more. There are very creative ways to save money. Ben Franklin said, 'A penny saved is a penny earned.' Bill Gothard said several years ago, 'A dollar saved is a dollar sixty earned!' In other words, taking into account the multitude of revealed and hidden taxes, working expenses, etc., one then needed to earn $1.60 in order to have $1.00 to spend! How much do we have left today?! One of the best and most practical resources for saving money is Dr. Alfred W. Munzert’s book Poor Richard’s Economic Survival Manual (Franklinville, NY: Hemisphere Publications, 1982). Dr. Munzert raised a large family on a teacher’s salary and his children received a college education. I am still amazed by many of the strategies he used. Buy the book, or request it at your library.

Making arrangements for a reduced payment to each creditor is one alternative to get rid of debt. If you need help, call the National Foundation for Consumer Credit at 1-800-388-2227.

Bankruptcy is another alternative. In their anguish, some have chosen to use this law that provides protection from creditors. You can file for bankruptcy yourself, but it is probably best to hire a competent bankruptcy lawyer. I went through a chapter 7 bankruptcy and did the filing myself, since I could not afford a lawyer at the time. The best resource that I found was Kenneth J. Doran’s book, Personal Bankruptcy and Debt Adjustment (New York: Random House, 1991). It is written in plain English, with legal terms explained. Be sure to use up-to- date-forms (I had to re-submit some forms because of this). The new forms were expensive, so I copied them from Clark, Boardman and Callaghan, Bankruptcy Code, Rules and Official Forms (New York: The Lawyers Cooperative Publishing Company, 1991). A friend paid my filing fee. I made it with God’s help and you can, too! Avoid bankruptcy if possible by solving financial problems early on. Financial stress will make you sick--I know from firsthand experience.

For a copy of my new book, essays exposing the myths of political correctness, send me two dollars. Read it. Then, if you want to keep it for reference, send an additional three dollars. You will not see much of this documented material in the media. This is IBM shareware written in ASCII and on 5 1/4 inch computer disk. Please refer to the name of this publication. Your comments are welcome.

Best wishes in your mailorder endeavor!

Russell Communications P O Box 27<>F Highway at Third Garden City, MO 64747-0027

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Secrets Of The Richest People


Article Entitled: Secrets Of The Richest People

SECRETS OF THE RICHEST PEOPLE

Would you like to realize your goals? Maybe you’d like to run your own business, expand your material possessions, or succeed in the arts. There is no one path to the pot of gold, but many people of all backgrounds have successfully found it.

Whether you want to follow the ways of the great financiers, the famous politicians, or the dynamic movie stars, there are common modes of behavior each of them followed. And in many cases, they have shared their secrets so YOU CAN FOLLOW THEIR FOOTSTEPS.

'If you wish to know the road up the mountain, ask the person who goes back and forth on it,' said the ancient sage, Zenrin. What better way is there to know the secrets than to ask those who made it?

What goals do you want to achieve? And what amount of effort can you commit? You may want money for the extra things in life, money to build a corporate empire, or money to support yourself while you pursue the fine arts.

Perhaps you’d like to take the risk to start something new in your life. You may want to open your own business, devote your energies to an artistic career such as acting, or reap the benefits of your yearly endeavors with fabulous vacations several times a year.

What will bring you happiness? The satisfaction of success takes many forms. Not only are people seeking financial fortunes, but also the ancient goal of peace of mind.

Do you worry? You might be concerned about your health or your family’s well-being. You may be anxious about the added expenses of education, medical bills, or the steady increase of cost of living. There are ways out of the endless cycles of worry, stress and anxiety. Right now, you can rise above the whirl of survival to achieve the accomplishments you dream of. When you’re ready to put your whole effort into realizing your goals, YOU WILL SUCCEED.

WHAT ARE RICHES

'Had I but plenty of money, money enough to spare,' wrote Robert Browning. And money is the greatest attribute of riches. A universal desire, money is the materialization of riches, the stuff that makes the rest possible.

Are you looking for financial security? For retirement, for education or leisure? Riches are the overflowing abundance of material possessions - houses, cars, boats, furnishings - everything you ever wanted.

Centuries ago, Horace wrote, 'By right means, if you can, but by any means, make money.' For many people it is a path towards happiness, a cure-all for worry and peace of mind.

For others, riches come in the form of satisfaction and personal independence. Satisfaction comes from accomplishment in employment or attaining goals. It is that feeling of contentment and confidence from a good task well done. Riches are closely linked with success. And with that comes fame and acknowledgment of position. Success might be the feeling of well-being from the rewards of good effort. Or the enthusiasm and vitality triggered by recognition.

'Success is how well I enjoy the minutes,' said producer Norman Lear.

Throughout history, the people who lived with riches often achieved them by hard work, diligence and a belief in themselves. For some people, it took courage, genius and stamina.

But for many others, it took nothing special but the desire to turn dreams into reality. Whether you want millions of dollars, recognition as an artist, or personal freedom, you have the ability to make your life as rich as you want.

Think about what you most desire. It may not be hard cash, but what it can buy. Or it may be those feelings of inner satisfaction, from creating something beautiful or strong.

You may want personal independence from the work week, or freedom to live anywhere you want. You may be looking for something meaningful and significant in life - something other than things money can buy. Whatever your goals, and however difficult they seem to be to accomplish, you have the ability to become who you want. Take a look - can you see yourself surrounded by riches?

Picture the world open and in front of you, ready to become the form of your dreams, ready to stage your desires. 'Why then, the world’s mine oyster,' wrote Shakespeare, 'which I with sword will open.'

WHO IS SUCCESSFUL?

Many people who achieve fortune in the world are not born rich. But they accomplished it through hard work and a plan of action.

Every type of person on earth can become successful. There are saints and scoundrels; philanthropists and thieves; poets and politicians; young and old. There are no limitations or physical boundaries for success.

Success comes to those who think about success and strive for it. Although many rich financiers at the turn of the century had no formal education, they overcame that and went on to great fame.

Some people strive towards a single goal from early in life, and often attain that goal while still young. Others are willing to risk new adventures later and still attain success.

'It’s never too late to learn,' wrote Malcolm Forbes, the money magnate. 'I learned to ride a motorcycle at 50 and fly balloons at 52.'

Whatever your task, whatever your obstacles, you can be as successful as anyone else. Study the people who accomplished recognition in the areas of your pursuit. How did they achieve their goals?

And don’t be afraid you don’t have what it takes. As Daniel Webster wrote, 'There is always room at the top.'

FORMING CONVICTION

The single attribute that every successful person has is the one-pointed devotion to attain a goal. 'There in the sunshine are my highest aspirations,' wrote Louisa May Alcott, 'I can look up and see their beauty, believe in them, and try to follow where they lead.'

What are your desires? How can you form them into definite goals that you can attain? Lawrence Peter wrote, 'If you don’t know where you’re going, you’ll probably end up somewhere else.'

Maybe you’re studying a craft or skill. Perhaps you’re caught in a rung of the corporate ladder. Or, you might feel constricted by your family and the environment around you.

Which star are you reaching for? 'Ours is a world where people don’t know what they want and are willing to go through anything to get it,' wrote Don Marquis.

Take the time to think about your own aspirations. Look inside to find what feels right. Almost everyone entertains the notions of fame and fortune, but put on the costume that fits you.

Conviction requires certain qualities of action. You must be sincere and be willing to assume responsibility. And you need the self-discipline necessary to work towards your goals.

Are you prepared to achieve your dreams? Can you form their reality in your mind? Will you devote your entire being to attaining what you want?

ON YOUR OWN

Most millionaires are non-conformists. So are the most famous actors and actresses; and the most prominent artists. Writers are known for their individual traits and eccentricities.

Your convictions and goals are your own business, even when you find help along the path. Mentors often take people under their wings to nourish and teach. Or spiritual guides will show you the path to attainment. But you’re on your own to achieve.

Cultivate a sense of justice and an ability to make decisions. Cooperate with everybody and develop your own self-respect. And follow good criticism and advice after you’ve judged carefully. J. Paul Getty said, 'I advise young millionaires to be skeptical of advice. They should advise themselves; they should form their own opinions.'

Lord Byron wrote, 'There is rapture on the lonely shore.' And if you attain your goals with poise and sincerity, you’ll find warmth and love at the top - not the cold loneliness pictured by the jealous.

Put on blinders to negative comments and criticism meant to hurt you. About the people who criticize, Voltaire wrote, 'Never having been able to succeed in the world, they took revenge by speaking ill of it.'

SEIZE THE DAY

People are judged by what they think and what they say. But the true measure of their character is what they do. Anyone who has achieved success and fortune in the world has done it by action.

William Jennings Bryan wrote, 'Destiny is not a matter of chance, it is a matter of choice; it is not a thing to be waited for, it is a thing to be achieved.'

The choice of the path you follow is often put before you as opportunity. 'Few people recognize opportunity,' said Cary Grant, 'because it comes disguised as hard work.'

Don’t let opportunities slip past while you’re still considering them, and create new ones as you see them. 'Wise people make more opportunities than they find,' said Francis Bacon.

What opportunities can you act upon? Woolworth saw a need for small inexpensive items and opened the chain of stores that grossed billions. Wrigley started giving gum away as a bonus from a supplies wagon he sold from, and saw the opportunity to make money from the gum that became in high demand.

All successful people the world over have found the opportunities for their own special talents and acted upon those ways to achieve. Why wait for the time to pass? There’s never a better time than now.

'Sometimes,' wrote Lewis Carroll believed as many as six impossible things before breakfast.' Take your own impossible dreams and make them become reality.

HOW THEY THINK

Thousands of potential millionaires are born every year. And making a million dollars is coming closer to everyone’s pocket. What advice did the money-makers follow?

Aristotle Onassis worked eighteen hours a day to maintain his fortune. He started as a welder and aimed for the top. 'You have to think money day and night,' he said, 'you should even dream about it in your sleep.'

John D. Rockefeller, Jr., said, 'I believe in the dignity of labor, whether with head or hand; that the world owes every person an opportunity to make a living.'

And J. Paul Getty acknowledged his hard work: 'I have no complex about wealth. I have worked hard for my money, producing things people need.'

Even Proverbs advises: 'In all labor there is profit.'

Richard Bach, the author of the best selling 'Jonathan Livingston Seagull' wrote, 'You are never given a wish without also being given the power to make it true. You may have to work for it, however.'

The Empress of the British Empire, Queen Victoria, admonished, 'We are not interested in the possibilities of defeat.'

DO YOU HAVE WHAT IT TAKES?

There are qualities of endeavor and achievement that are common to many people who make it to the top. The following questions are a guideline to self-enterprise and attaining your goals.

1. Do you prefer to work for yourself than for others?

2. Are you well-informed on current business and political affairs?

3. Are you a leader?

4. Do you take advantage of opportunities?

5. Do you pay attention to what other people say?

6. Can you finish a job even when it is difficult or unpleasant?

7. Are you challenged by problems?

8. Do you have a goal you want to achieve?

9. Do you consider other people?

10. Do you strive to attain?

11. Can you obey commands?

12. Can you bounce back after defeat?

13. Do you believe in yourself?

14. Can you stand by your actions in spite of criticism?

15. Can you follow instructions?

16. Can you respond to the needs of others?

17. Will you give credit to other

18. Can you make your own decisions?

19. Are you determined?

20. Are you ready for success?

ESTABLISH A GOAL

What do you want? Are you looking for financial security, professional acknowledgment, spiritual attainment? Do you want to fit better socially, or become more expressive creatively? Establish the goal that’s right for you.

Then turn that goal from a dream into a desire. You want to realize that goal, not just wish for it. Aesop said, 'Beware that you do not lose the substance by grabbing at the shadow.' Know exactly what you want, then go for it.

Don’t be tricked by your own procrastination - especially if you want to achieve something artistic. The writer Thomas Wolfe wrote, 'I had been sustained by that delightful illusion of success which we all have when we dream about the books we are going to write instead of actually doing them. Now I was face to face with it, and suddenly I realized that I had committed my life and my integrity so irrevocably to this struggle that I must conquer now or be destroyed.'

Can you see what you want? If you want the abundance of material wealth that money provides, what goal will give you that money? Do you want the prestige of owning your own business? What business do you want to begin?

Where are the opportunities for you? Talk to everyone in the business you want to join. Make friends in the literary or art societies in your area. Read books and articles about your field of endeavor. How can you attain your goal?

'If you don’t want to work, you have to work to earn enough money so that you don’t have to work,' wrote Ogden Nash. And isn’t that the way' Money makes money; success breeds success. But not always. How can you break through those thoughts to help yourself to the rewards?

Henry David Thoreau wrote, 'I have learned this at least by my experiment: that if you advance confidently in the direction of your dreams, and endeavor to live the life which you imagine, you will meet with success.'

Think big and visualize success. Do you see yourself in a big house? Maybe you picture your artwork hanging in a gallery. Can you feel your book in print and in your hands? How does it feel to be a person of success? Believe that you are; believe that it is in your grasp. That’s what the others did, and that’s how people make it to the top.

Then get down to basics. Be precise. Exactly how much money do you want, and by what date? And exactly what are you going to do to earn that money? Be realistic, but give yourself short-term goals.

Write it down. In six months or one year, you will have how much money. And repeat it until it feels good. Then repeat it twice a day until it swirls in your subconscious, until it becomes your one-pointed goal.

'The goal stands up, the keeper stands up to keep the goal,' wrote A.E. Housman.

KEYS TO SUCCESS

Make people feel at ease. They will respond to your needs as you respond to theirs.

Share the spotlight. Give credit to those who deserve it - and to those who strive. Don’t grab praise away from other people.

Have confidence in your own value. Don’t do anything that won’t credit your own self-respect. Follow up your actions as they reflect your own self-worth.

Listen well to others’ comments. Then weigh your own actions. Cultivate relationships with people who have good and important things to say.

Participate in life. Be active in business meetings and endeavors; volunteer to be part of organizations and groups. Social interaction will boost your sense of well-being .

Feel worthy of your own goal. Know that you can attain it and that it is right for you.

Grasp your own challenge. Don’t give yourself impossible goals, but always reach higher.

Relax and be yourself. Each person is different and just as wonderful as the next. Don’t be plagued by what you think others think of you.

Don’t bathe in success - use it. Once you achieve your first goal, go on to others. Use the money you earn for the rewards you look for. Then go on to the next endeavor.

Be slow to criticize others’ achievements. Find out how they did it and learn from them.

Never use subterfuge. Don’t go behind someone’s back. Speak your mind and earn respect.

Banish negative thoughts and traits. Restructure your life to exclude bad habits.

Believe in yourself and what you are to accomplish. All the power in the world is within you to achieve.

WORK TOWARDS YOUR GOAL

'To get profit without risk, experience without danger, and reward without work, is as impossible as it is to live without being born,' wrote A.P. Gouthey. Every person who has attained something worthwhile has worked for that goal.

Cary Grant said, 'I do believe that people can do practically anything they set out to do if they apply themselves diligently and learn.'

Which path is the right way towards your goal? Do you need more education? Do you need a few years experience in your field of business? Maybe you need a teacher or guide to help you practice.

'I have learned that success is to be measured not so much by the position that one has reached, as by the obstacles which are overcome while trying to succeed,' wrote Booker T. Washington.

What obstacles are in your way? Consider them as easy to pass through as hurdles are to a champion runner. Take each obstacle as a special challenge placed especially for you. Approach it with intelligence and courage, then learn what it has to teach.

'Success is a journey,' said Ben Sweetland, 'not a destination.' For some, the process of attainment is the attainment itself. They move on, keep growing and expanding. There is no still water at the top.

'The message from the moon is that no problem need any longer be considered insoluble,' wrote Norman Cousins. And you can attain anything that seems impossible.

If you have a problem that needs to be solved, sit calmly and consider it with a clear mind. Observe all the consequences of the actions - both good and bad. Ponder the paths and actions and contemplate the core of the problem. The solution will appear.

'Ask and it shall be given you; seek and ye shall find; knock and it shall be opened to you for everyone who asketh, receiveth. He that seeketh, findeth and to him that knocketh, it shall be opened.'

Tap the inner self and encourage positive actions. With each outgoing breath, release the impossible; at each incoming breath, inhale the attainable. Demand the best of yourself, but don’t despair from an overused sense of perfection.

What can you learn? And who can teach you? Can you attend classes and seminars from universities near home? Check out books from the libraries and absorb the material. Find a master and become an apprentice.

'Anyone who stops learning is old, whether at twenty or eighty,' said Henry Ford. 'Anyone who keeps learning stays young. The greatest thing in life is to keep your mind young.'

Never stop learning; never stop growing and expanding as a person and in your personal endeavor.

ASK YOURSELF

As you consider the success you desire, you need to affirm its possibilities and develop the self-confidence necessary to attain the goals. Learn to do things well. 'If you know how to do one thing well, you can do everything,' wrote the philosopher Gurdjieff.

Are you ready for success?

Is what you are doing now helping you to achieve your goals?

Do you weigh the consequences before making a decision?

Is this the best use of your time?

Do you cooperate with everyone and help cultivate their best potentials?Are you warm and sincere?

Do you have the courage to succeed?

Do you have the self-discipline necessary to achieve your goals?

Do you have a realistic sense of self-worth?

Do you give more than you take?

Do you have the courage to fail, and then pick up and try again?

Can you assume responsibility without blaming others if things go wrong?

Are you strong?

Can you be sympathetic to life and its sufferings?

Can you say no?

Will you follow your convictions and plans to achieve?

Do you sincerely want to achieve the goals you have chosen?

TAKING RESPONSIBILITY

'The price of greatness is responsibility,' wrote Winston Churchill. Are you willing to take the responsibility once you attain the success you desire?

'The deepest personal defeat suffered by human beings is constituted by the difference between what one was capable of becoming and what one has in fact become,' wrote Ashley Montague. And the greatest tragedy is to become less than your full potential, using less than the abilities you have to work with.

Are you waiting for something to happen? Maybe you’re waiting for a job offer, or a promotion. Perhaps you’re waiting until you get good enough at a craft or skill. Or are you waiting for the inspiration of creativity to strike your life?

It is up to you to take the actions and be responsible for their consequences. 'Our responsibility: every opportunity, an obligation; every possession, a duty,' wrote John D. Rockefeller, Jr.

Inspire yourself. Read books that will spurn you to action; talk to people who have the vitality you admire. How would you like to lead your life? And make the changes necessary to be like that. 'There is nothing permanent except change,' wrote Heraclitus. What changes do you want to make? What are you waiting for?

ACCOMPLISHMENT

What actions will take you closer to your goals? Decide upon the steps and write them down. Review them until you feel comfortable with those steps. Then repeat them at least once a day, crossing them off as you accomplish them.

'I believe there is no escape from the rule that We must do many, many little things to accomplish even just one big thing,' said James Dupont. 'This gives me patience when I need it most.'

The most rewarding accomplishments are those that take long to achieve and present difficulties. It is only through these difficulties that a person can rise above the rest to be the unusual, the outspoken and the well-deserved.

As if building a kit, follow your own instructions. Decide your best courses of action and achieve their benefits. Whether the steps are small or large, make them achievable and then do them. Don’t commit yourself to things that you never intend to do.

'Even if you’re on the right track, you’ll get run over if you just sit there,' said Will Rogers. Don’t be paralyzed by inaction; rather act upon your own convictions.

Set yourself up for rewards. Don’t give yourself goals that have no feeling of satisfaction or no monetary rewards. If you want to be an artist, be the best and learn from the best. Don’t dwell on imperfections or the awkwardness of unpolished skills.

If you go into business, do it for profit or reinvestment. 'In business, the earning of profit is something more than an incident of success. It is an essential condition of success. Because the continued absence of profit itself spells failure,' said Justice Brandeis.

Marchant wrote, 'To be a success in business, be daring, be first, be different.' Think of ways to achieve the best; formulas to increase productivity or decrease overhead. Profit is your drive.

'Profitability is the sovereign criterion of the enterprise,' wrote Peter Drucker. And, profitability is the core of any achievement - whether financial or artistic.

Once you achieve your goals, think of ways to benefit others. 'Money-getters are the benefactors of our race,' said P.T. Barnum. 'To them we are indebted for our institutions of learning, and of art, our academies, colleges and churches.' How can you benefit humankind and still keep enough to fulfill your own desires?

THE HIDDEN ASSET

Not all success can be counted in dollars; not all richness is measured by money. 'The great secret of success is to go through life as a person who never gets used up,' said Albert Schweitzer. 'Retire upon yourself and look for the ultimate cause of things inside you.'

Look within yourself for the ultimate inspiration, and follow the true feelings you discover. 'One of my favorite methods is to whisper,' said Alfred Hitchcock. 'I’ve discovered the best work is done with sweet reason.'

Act upon your own conscience -that guides; that judges your actions and signals your behavior. 'Conscience is the inner voice that warns us that someone may be looking,' wrote H.L. Mencken.

Accomplish what you desire; fulfill your inner yearnings. But don’t compromise your deepest feelings.

'We do our best that we know how at the moment, and if it doesn’t turn out, we modify it,' said F.D. Roosevelt.

Follow the paths that life offers you and live the fullest existence you can.

TAKE A LOOK

Look at yourself and look at those who have succeeded throughout history. Do you have what it takes? Even if you have only a few of the qualities of the other great people, you can achieve your heart’s desire.

Reach for the highest, then reach higher. Accomplish your steps one by one on a daily basis, always moving forward, always making progress. Encourage yourself. Insist that you can succeed and affirm these thoughts daily.

Keep a sense of proportion and judge for yourself. Then keep busy at the tasks you’ve set out to accomplish. What’s keeping you? 'Genius is one percent inspiration and ninety-nine percent perspiration,' said Albert Einstein.

Find inspiration wherever you can. Talk to people; read about people; learn your business or craft. Believe that you can do it and you will. The only way to dispel the doubt that you can do something is to finish it.

Always be the best you can be. Never fall short from fatigue or lethargy. Don’t attempt to do anything that you can’t give your all to.

There is no way to inner satisfaction without appealing to the higher consciousness. Search within and without to find the paths that are meant for you and follow them with conviction and a steady heart. And, you will succeed to become as rich and full as you ever desired.

Harold Ickes wanted the 'freedom to live one’s life with the window of the soul open to new thoughts, new ideas and new aspirations.'

And Woody Allen looked for a clear path. 'If only God would give me some clear sign' he said. 'Like making a large deposit in my name at a Swiss bank.'

Finally, Sophie Tucker sums up everyone’s worldly outlook: 'I’ve been rich and I’ve been poor,' she said. 'Rich is better.'

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What's in Your Blind Spot?



We frantically search for our "lost" keys that are lying in plain
sight on the kitchen counter. We don't we see the keys. Why not?
Because we already decided "the keys are not there." And once we make
that decision, we create a blind spot in our awareness. The result is
that we don't see the keys where we don't expect them to be.

If we miss seeing keys out in the open because we decide the keys
aren't there, what else could we be missing because we decide it's
not there? Could we be "blind" to other possibilities and
opportunities that are right under our nose?

What's New, Pussycat?

A mind-blowing scientific experiment reveals how the early physical
environment of kittens determines what they are able to see-and not
see-as they grow up. Two-week-old kittens are placed in a room with
walls painted with vertical stripes and kept there as they mature.
Almost from the moment they are able to see, the kittens live in an
environment of vertical stripes. Later, the cats' world changes. They'
re removed from their vertically striped surroundings and placed in a
room painted with horizontal stripes. Surprisingly, our furry felines
don't see the horizontal stripes. Bang! They run right smack into the
walls painted with horizontal stripes, time and time again. Why?
Scientists discovered that because the cats don't have horizontal
stripes in their environment as they grow up, the brains of the cats
don't develop the neurons that recognize horizontal stripes. So when
elements they've never been exposed to appear in the cats' world,
their brains don't register the new elements in their environment.
Yikes! Could we be unable to recognize elements in our current
environment because those elements were missing when we grew up? Yes,
we could! But before we look for aspects of life we might not be
seeing, let's look for aspects we might not be hearing as well.

What'd You Say?

Studies with babies reveal how the early auditory environment of
babies determines what they are able to hear-and not hear-as they
grow up. Research shows that young babies have the ability to hear
the full range of vocal sounds produced by the speech of all the
human languages in the world. But then, babies are raised hearing
only the narrow range of speech sounds within their social
environment. Eventually, because they hear solely the speech sounds
found within one culture, babies lose their ability to distinguish
the full range of vocal sounds found in all human cultures.

This explains why Japanese children are unable to pronounce the
English "r" sound that does not exist in their native language. "The
common result," according to a researcher at the University of
California, "is essentially that if perceptual experience is limited,
one will not be able to perceive things outside that experience."
This is why, in everyday life, we're not able to recognize-or "hear"-
concepts that we weren't exposed to in our upbringing.

Casting a Spell of Limitations

We all grow up in families and societies where we are only exposed to
a limited view of life-like kittens only viewing vertical stripes and
babies only hearing speech sounds from their social environment. Our "
stripes" consist of a limited range of cultural patterns of sights
and sounds. These cultural patterns give signals to the brain that
tell us "the way life is" within that limited environment. And the
brain mistakenly "thinks" it knows "the way life is" outside of that
narrow-minded environment.

Growing up in a limited environment has a comparable effect to being
hypnotized. For example, when people are hypnotized, they can be told
that certain elements exist or don't exist in their environment. With
hypnotic suggestion, a person can be told that there are no red books
in a bookstore. And, even though many of the books are red, the
person won't see any red books. The hypnotic suggestion creates a

Give Them a KISS Ad, or Traffic Exchange Programs - Ideas, T


I like traffic exchange programs! But you probably already knew that if you read my first article about this theme: Traffic Exchange Programs � Are they worth your time?.

Why do you like them?�, you might ask. They are not the most effective way of advertising, they are not all quite cheat proof and they sure are not very targeted; 3 mayor flaws they share with most other types of free advertising. And yes, that�s all very true, BUT traffic exchange programs are free (mostly), you can do things to make them more effective and what if your target group is prone to use traffic exchange programs as well and it fits your business strategy? What if you are a beginner and you just need to start somewhere? What if you have a new site that just needs some initial traffic?

Of course your strategy should not be entirely build upon the use of traffic exchange programs, but if you have the time, why not take some advantage of them? Use a multi page browser, take heed of the following advise and if you enjoy surfing, these programs are right for you!

Strategic considerations

Questions you should ask yourself are: What is your business strategy? What is your target group?

A good strategy for beginners is to try to sell high ticket products in a niche market. The efforts and costs of selling a high ticket product are quite the same as trying to sell a low ticket, cheap product, so why not start with high ticket products? If this is your strategy, you would be wasting your time with traffic exchange programs.

I believe that most people that are surfing these programs are not interested in this kind of products. They are more likely interested in low ticket products and free offers. They are most likely interested in marketing tools (auto responders and such), free traffic, downline builders, new opportunities and programs.

My business strategy is largely build around getting downlines and targeted at people with lots of time but who are not willing to invest a lot of money. This is a very slow and long term strategy and does not involve a lot of actual selling. Traffic exchange programs are a good place to start recruiting. People who surf these programs expect to see ads for new opportunities and programs, downline builders, free ebooks, tools etc.

Normally I do not promote the idea of using your home page for traffic exchange programs or to use auto surf programs, but there are exceptions. When you have a new site and want some initial traffic, sign up for a few programs and benefit from the start bonuses. When you have a new page (offer) or site and you are not interested in Page Rank, you could use auto surf programs to get your ticker starting and get some traffic (but never do this with your main site!).


How long do you need to surf?
How much do you need to surf for credits? Well, there are people saying that you need to surf at least one hour per day! That would be the people who are in your upline I suppose. Actually, I do not have a recommendation for the time you should spend, that's totally up to you, but can I tell you how I do it? At this very moment, writing this article, I have 4 programs running and I am playing a bit of solitaire. Point is that I am running a special offer at this moment and I need some extra credits, so when I stop writing for a while, I continue surfing for credits.
Mostly I surf when I feel like it and have no other urgent matters at hand. Or when I am doing something and need something else to distract me for a little while or when I need some fresh ideas. I surf in bursts, only with a few programs at the time and try to get the credit ticker running to get some of the bigger bonuses. surfing too many programs at the same time isn�t that effe

Who Are The Fastest Broadband ISPs??


It can be very frustrating when you want to find out just how well your ISP really performs....or prospective ISP if you're shopping around. You really don't want to take their word for it (the usual marketing drivel). But how do you become the educated consumer.... so you can operate from a position of knowledge (sic strength) rather than ignorance (sic weakness)?

Well ... to start you can look over the speed test review table at BroadbandReports.com. The table lists over 100 ISPs with number of tests that week, domain (DNS look-up), type, down kpbs, upload kpbs, other details....and rates them in order of performance (based on average over last 7 days). The table is updated daily so check back as often as you need to.

Interested in testing the packet loss of your line, comparing your ping time with other users, modifying your TCP stack, checking for bad routers, scanning for open ports and windows exploit points, testing if your computer is setup correctly for broadband TCP connectivity, tracking your connectivity with weekly reports, and much more? You'll find more tools to help you do all that at BroadbandReports.com. They're a great resource and I strongly suggest you take advantage of everything they make available to the public....for no charge.

About the Author

Michael is the owner of FreedomFire Communications ....delivering choices to business consumers for voice and data broadband services. Michael also authors BroadBand Nation Broadband Nation where you're always welcome to drop in and catch up on the latest BroadBand news, tips, and ramblings for the masses.

Home Business Guide To Easy Money


Article Entitled: Home Business Guide To Easy Money

HOME BUSINESS GUIDE TO EASY MONEY

Because tens of thousands of people all across America want to know how they can work at home and earn enough money to run a household, there is a special need for this report. Today the need for women to work out of the home is stronger than ever. According to recent surveys, almost 70% are married and contribute up to 50% and more to the family income. Because family responsibilities play such an important part in the lives of men and women, millions of individuals and couples are seeking ways to make money at home.

In the past decade money-making, home-based opportunities that match a person’s skills, interests, abilities, and ingenuity have become almost limitless. The purpose of this report is to show you that it’s simple and easy to join the ranks of success-minded people by choosing a work-at-home program that suits your interests and needs. Business histories have shown over and over again that the rewards and advantages of working at home can go far beyond a person’s wildest dreams! In fact, it’s perfectly possible to launch a small business in your garage, backyard, basement, or a room in your home, and become a giant corporation.

Your first step will be to study the company listings in this report, and then contact those that interest you. It’s possible that you may not be interested in many of those listed in this brief report. But others may serve as that great motivator that makes you look further with a renewed determination. Once you develop that mind-set, persistence will follow and the nothing will stop you from achieving your goals.

When you write to any of the companies listed in this report, you should include a self-addressed, stamped envelope. That will give the impression you are serious and insure that you receive a speedy reply.

BECOME A GOAL SETTER!

If you expect any level of success you must set goals. If you expect to be successful, you must determine what that means to you and the best way to achieve it. There are two basic steps you can take to convert goals into achievements: 1) You can decide on a specific dollar amount; and 2) You can set a time frame for obtaining the dollar amount you want. Your goal should be specific and indicate What, When, and Where. After making a list of every possible way you might accomplish a goal, select the method that best suits your situation.

IMPORTANT CONSIDERATIONS YOU MUST ASK YOURSELF

1) 'How can I support my family while I build up by business?' This question must be worked out according to each individual’ circumstances. Many people start out on a part-time basis after their regular jobs to see how much they can handle. Then when their incomes reach a certain level they will switch over and go full time.

2) 'What are my abilities?' To determine your abilities you will have to take an inventory of yourself. Decide what you enjoy doing the most and what you 'feel' you would be good at. Examine every possibility and include every skill you have no matter how slight.

3) 'Is there a market for the produce of service I have chosen?' Be cautious before you invest any money! Check it out by making inquiries directly to the company, competitors, or firms who are marketing a product similar to the one you are interested in. Test it on a small scale. Check it out thoroughly.

4) 'How long will it take this business to reach the financial goal I must have?' It’s really a question of knowing how much time you can dedicate to your business, and what your profits are for that time. From there, a little simple addition will tell you how long it might take to reach a particular financial goal.

SUCCESS IS HAVING THE COURAGE TO BEGIN!

Starting a business at home is a economical way to start a small business that can easily grow into a larger one. Many entrepreneurs have proven that you don’t need a huge manufacturing plant to develop a successful business. Some of the most successful businesses in existence today started in a spare room or garage. It isn’t how you start out that is important. What really matters is, do you have the courage to begin.

SELECTING THE RIGHT PRODUCT OR SERVICE

Take a close look at your interests and abilities, and then decide what type of marketing you want to do. For example, do you want to assemble items and sell them back to the manufacturer; do you want to sell directly to people; or would you prefer selling wholesale to retail outlets? If you prefer doing piecework or assembling items for manufacturers, make certain it’s something you enjoy working with. If you enjoy one-on-one-sales, then test the product out on your friends, relatives and neighbors. The object is to find out what has the most appeal.

DEVELOP A GOOD MARKETING TECHNIQUE

A good marketing technique is one part of a business plan that is absolutely essential to its success. In fact, the ability to properly market a product or service is actually more important than the product itself. Even an inferior product can be a financial success if marketed properly. Seek out the advice of everyone in your field. Explain your needs and ask them questions. Experience is the best teacher. With good advice and a salable product, you should be able to develop a winning marketing plan.

FINANCING YOUR HOME-BUSINESS VENTURE

The first place to look for financing is right at home. Take an inventory of items you don’t need and have a garage sale. Most people are pleasantly surprised a how much cash they can raise in a single weekend. Next, turn to members of your family or close friends who have faith in you and want to see you succeed. Offer to repay them through profit-sharing. Go to individuals in your community who believe in your personal worth. If you have a good credit history, your banker should consider you a good financial risk. Two other excellent sources would be your local Small Business Administration (SBA) and Chamber of Commerce.. SBA has low-interest loans available for qualified applicants and your Chamber of Commerce can assist you with referrals and other helpful information.

WORK-AT-HOME OPPORTUNITIES ARE EVERYWHERE!

Anyone who is serious about work-at-home opportunities need only look around them. There are thousands of options everywhere! There are employment opportunities that involve becoming an independent contractor; working on a commission basis; working for a salary; freelancing for pay; getting paid by the hour, receiving pay for each piece assembled; getting paid by the project, or a combination of any of the above. No doubt, what you finally decide on will depend on your particular needs and interests.

Read the following listings carefully, and when you’re ready contact any that interest you. Don’t become discouraged if the company you contact isn’t hiring right at the moment. Often circumstances change rapidly. Use your imagination to convince an employer there are great advantages to giving you work! Be a self-motivator and continue moving forward towards the goals you want and deserve. Do it starting NOW!

DIRECTORY OF HOME WORKER INCOME OPPORTUNITIES

LITTLEGUY’S, Box NFP, Winkelman, AZ 85292. If you enjoy making craft items but hate selling them, or are looking for a way to sell more, look no further! This company says they will purchase home-made items from you, or refer you to other companies who are buyers. All types of hobby crafts are considered. Enclose a $0.29 postage stamp when writing for more information.

ELITE ENTERPRISES, P.O. Box 31577, Chicago, IL 60631-0577. Get your share of the billion dollar popcorn market! Elite Enterprises has put together an incredible program for making money that involves the distribution of one of America’s favorite foods - Popcorn! 56 gourmet flavors of popcorn, to be exact. Write to Robert Doncaster for more information.

SUITCASE BOUTIQUE, 12228 Spring Court Place, Maryland Heights, MO 63043. Suitcase Boutique is a home party. This company buys many types of hand-crafted items including stuffed animals, wood crafts, toys, soft sculpture, framed pictures and cross stitch.. Crafters should send a photo an description of their products.

ARBONNE INTERNATIONAL, INC. Direct sales of European cosmetics and skin care products. Representatives build customer bases using any direct sales method that work for them. Training and ongoing managerial support is provided. Pays commission.

CAMEO COUTURES, INC., 9004 Ambassador Row, P.O. Box 47390, Dallas, TX 75247. Home party sales of lingerie, cosmetics and food supplements. Training is provided. Pays commission.

OLSTEN HEALTH CARE SERVICES, Staffing Coordinators. Olsten now has over 300 offices nationwide in its health care services division. Each office has a minimum of two home-based staffing coordinators job-sharing on a seven-days-on, seven-days-off schedule. The jobs consist of taking calls during the day, evenings, and on weekends to dispatch the appropriate personnel for hospital and home health care positions. Some staffing experience or medical background is required. Write to locate the office nearest you then apply directly to that office. Pays weekly salary plus placement bonus.

DREAMCAPES, 2140 E. 7th Place 1, Los Angeles, CA 90021. Put yourself in an exciting new profit picture with this company’s original Dreamscapes, a unique picture of sand and colored liquid that when turned over creates an endless variety of beautiful landscapes. Create mountain, desert,, and beach scenes. It’s fascinating, irresistible, mesmerizing, and profitable. Sell them at flea markets, fairs, and anywhere people gather. Write for more details

HANKINS MARKETING CORP., P.O. Box 16B1, Salisbury, NC 28144. Aching feet is America’s No. 1 medical complaint. Air-Flo Insole is a revolutionary breakthrough that helps. Its patented vacuum principle allows air to enter the insole when the foot is lifted and gradually releases it when the wearer steps down. It’s like walking on air! Learn how you can make up to 160% profit selling this item to individuals, retail and chain stores. Write for details.

NATIONAL COLLEGE OF APPRAISAL & PROPERTY MANAGEMENT, 6065 Rosewell Road, Suite 2232, Atlanta, GA 30328.. Become a professional real estate appraiser with this home study course. Study at your own pace. Enjoy excellent income potential, and become financially independent! Write for more information.

PICNIC PROJECTS, P.O. Box 87, Towanda, PA 18848. You can make up to $600 a week or more, building and selling high quality picnic tables. If you enjoy working with wood, contact this company for more details.

VON SCHRADER COMPANY, 1600 Junction Avenue, Racine, WI 53403. If you have ever dreamed of owning your own business, this company may have the perfect opportunity for you. Carpet, upholstery, and wall cleaning are in high demand and the profits are huge! You can offer all three of these services for a fraction of the price a franchise would. Write to them for more information.

CAJUN COUNTRY CANDIES, PO Box 53549, Lafayette, LA 70505-3549. Whoever invented the word 'Delicious,' was probably eating Roy Babineaux’s 'sweetest ever yet' Cajun Country Candy! This product is a leader when it comes to 'selling itself.' One taste and you’re hooked. You could be the first to introduce Roy’s world famous products into your area. Roy has a marketing plan that can make you rich! No inventory is required.

BADGE-A-MINT, 348 North 30th Road, Box 800, LaSalle, IL 6130l. You have seen them worn by people, each with a different message, but have you ever considered the huge profits that are made from button sales? Write for details.

HOLIDAY MAGIC, P.O. Box 882314, San Francisco, CA 94188. This company offers three different products that can be assembled at home. 1) The Christmas Oven Mitt, 2) Crystal Splendor (a Christmas Ornament), and 3) a Valentine Heart Mini-Pillow. They pay supply costs.Write for Free Details.

SATIN DOLL ENTERPRISES, 78 Water St., Beverly, MA 01915. Earn up to $100 per day with doll lingerie that sells itself. Write for startup information.

TV PROJECTOR COMPANY, 2410 Orchard Road, McHenry, IL 60050. New TV Projector kit turns any TV set into a life-size 7-foot screen! This is a product that sells on sight for only $20! You make 400% profits fast! Write for more details.

RECOGNITION SERVICES, P.O. Box 30288, Indianapolis, IN 46230. Every business, corporation, institution, church, school and organization is a potential customer of recognition awards. As a representative of this company, you can provide jewelry and custom-made embroidered emblems that include: Lapel pins, medals, medallions, and cloth emblems that are custom made in any shape or color. Write for details.

NAVAJO MANUFACTURING CO., 5801 Logan St., Denver. CO 80216. Navajo Manufacturing is a source of products for retailers that includes fashion and authentic American Indian Jewelry, sunglasses, toys, plush animals, and many other novelties. Write for more details.

POLISH MASTERS, 364 Ramble Ridge Rd., Thousand Oaks, CA 91360.. Polish Masters will help you become part of the hottest new concept ever to hit the auto appearance industry. With their system you can earn up to $400 per day cleaning and polishing autos, boats, RV’s and airplanes. There is no franchise fee to pay, and they will work with you every step of the way. Write for free details.

CADIE PRODUCTS CORPORATION, 100 Sixth Ave., Paterson, NJ 07524. Involves packaging small items produced by the company. No machinery or experience is required. Pays piece rate.

LUCKY HEART COSMETICS, INC., 138 Hurling Ave., Memphis, TN 38103. Lucky Heart Cosmetics, Inc. carries a line of cosmetics for Black Women. Independent distributors are wanted. Commission plus bonuses Management opportunities available.

NICHOLS BRONZE SUPPLY, 389 Sebring Airport, Sebring, FL 33870. Bronze baby shoes at home and make $250 per day. A free brochure will show you how to start making money immediately by preserving baby shoes, sports items, and many other types of keepsakes, in bronze, gold, and chinakote pearl. This company claims to be the world’s largest supplier of elegant cultured marble mountings.

DICRENS MATSON U.S.A., 21023 Gratiot Ave., East Detroit, MI 48021. This company is looking for people to assemble clowns from their home. The work is fun and easy. Write for free details.

ARBITRON RATINGS, INC., 3312 Marshall Ave., Laurel, MD 20707. This company hires telephone interviewers for market research surveys. Positions require communication skills and private phone lines.

NOWCO INTERNATIONAL, INC., 1 George Ave., Wilkes-Barre, PA 18705. Work at home and cash in on the gift basket boom! This company sells gift basket packaging to the champagne and caviar trade throughout the country. Writ for more details.

CENTRAL-SHIPPER, INC., 46 Star Lake Ave., Bloomington, NJ 07404. Involves manual assembly of color cards, inserting and mailing. Home workers receive piece rates for putting swatch cards together.

THE LYNETTE CO., 4251 Mentor Park, Mentor, OH 44060. This company will show you how to start making money with plastercraft, manufacturing sculptured art at home. They will show you how to make a wide variety of wall plaques and other fast-selling items. Write for details.

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How To Turn Newspapers Into Cash Dollars


Article Entitled: How To Turn Newspapers Into Cash Dollars

HOW TO TURN NEWSPAPERS INTO CASH DOLLARS

Scan your newspapers every day for headlines and advertisement layouts that contain catchy or interesting phrases in bold, well-printed type. Clip these and file them. You may use printing that is either black and white, or red and white.

The next step is to use these headlines on circulars. Start the circular with your clipped headlines, finish the body of your circular with your typewriter. You can make some really fine 'camera ready' copy by doing this+and they look professionally done.

Clip cartoons and 'cute' drawings and incorporate them into your ads. Practice at this and you will soon have the expertise to compose ads and paste-ups for other dealers. Sell this service and you can make good money. This plan can soon grow into a well-paying career.

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