Secrets to Becoming Wealthy

Are you someone who never has any money? Do you
complain that you have too many bills to pay?
Or that it costs so much to have a family these
days? Or that you just don’t know where the
money will come from to pay the mortgage? Maybe
it is time for you to think about how you can
develop your own personal wealth creation program.

If you never have any money then you must really
want to change your situation for change to occur.
This sounds very easy, but in fact this is a
challenging thing to do. For your financial
situation to change, first you must change. If you
have credit cards that are pressed to the limit,
or other debt you have used to fund a lifestyle,
then perhaps it is time to accept that you have
poor money habits that need improving.

In order to make change you must first assess your
financial position and then determine where you
want to go. It is a little like driving a car,
you always want to know the destination before you
start the engine. Goal setting seems to be a
popular term today, but as much as it is thrown
around, it cannot be underestimated. Goal setting
is the key to helping people just like you to
achieve your dreams.

Just as you determine when you get into your car,
where you want to go and how you want to get there,
a well defined wealth creation program works in
exactly the same way.

Here are some key ingredients to developing your
own personal wealth creation program.
- Develop goals that are equally balanced between
work and family
- Put timeframes on your goals and continually
measure your progress
- Implement systems that make it easy for you to
achieve wealth creation
- Remember that there are no mistakes - only
results
- Wealth creation does not occur without the
support of other people – your team, your customers,
your family
- Don’t be afraid to ask for assistance
- Be passionate about what you are doing – if you
do not feel passion and motivation for your wealth
creation program then consider finding another way
to achieve your goals.

A wealth creation program is a key ingredient in
delivering you a better future. But remember,
you must be committed to the process in order to
create a new future. Start planning today!

10 Tips for Using Less Gas and Saving More Money

By Danek Kaus

Copyright 2005 Danek Kaus

The hurricane that has devastated so many lives has created a huge spike in gasoline prices around the country, even in areas that are not directly affected by the crisis.

With this in mind, here are some ways that you can reduce your gas consumption, and thereby spend less money at the pump. At the same time, you’ll also be helping the environment by putting fewer emissions into the air.

1. Avoid idling as much as possible. Modern engines do not need to be warmed up. In fact, they warm up better by driving them slowly, under a light load. Instead of using the drive-up window at the local fast food joint, consider going inside instead. If you do use the pick-up window, turn off the engine while you are in line. It takes less gas to restart a warmed-up engine than it does to idle for 30 seconds or more.

2. Accelerate and decelerate slowly. Don’t stomp on the gas peddle when the light turns green. Try to anticipate traffic flow and drive accordingly, keeping safety in mind at all times.

3. Lighten the load. If you have a bunch of stuff in your car that you don’t need with you, store it somewhere else. The more your car weighs, the more gas the engine must burn.

4. Combine trips. Try to run all your errands at one time. Planning ahead for what you need to buy and do can save a lot of trips and miles.

5. Check tire pressure. Improperly inflated tires create drag and reduce fuel efficiency by as much as 2%. Properly inflated are safer and they last longer.

6. Use the right gas. Check your owner’s manual for the right grade of gas for your car. It is a waste of money to use a higher grade then recommended.

7. Close the gas cap properly. Make sure the seal is tight. If you buy a replacement cap, make sure it is the right one for your make and model.

8. Change the air filter regularly. A clogged filter reduces mileage.

9. Change the spark plugs. Make sure to install new ones at the appropriate intervals to improve mileage.

10. Drive a fuel-efficient vehicle. If you have more than one vehicle, drive the one with the best mileage rating whenever possible.


I would like to close by asking everyone who reads this article to please give whatever you can to relief agencies such as The Red Cross and The Salvation Army, or one of many other worthy organizations that are working hard to bring aid and comfort to the victims of Hurricane Katrina.

Although it hurts to pay more at the pump, it can’t compare with the agony that so many in the Gulf Coast are enduring.

todays tips

Get Paid What You're Worth and Spend Less Than You Earn

It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.

No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn. Often it's easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn't always have to involve making big sacrifices.

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ex-millionaire

FEATURE ARTICLE: Don't become an ex-millionaire------------------------------------------------------------It's so sad and tragic. After years and years of saving money and careful frugal living, you see all your money disappear in a flash. Just because of one error in judgement - unfortunately in this case, a fatal error - you are now facing a bleak and uncertain future. One day you are a millionaire and the next, you've joined the ex-millionaires club.Whatever you do folks, make sure that this NEVER happens to you. This is not a case of having loved and lost. This is a case of losing and losing. Hard as it may read, but it is better not to taste the big money than to have it all, and then lose it. After all, you never really lose what you never had.So let's look at the three reasons why many folks have been relegated to becoming ex-millionaires. In the hope that it will not happen to you.1. Starting a business Starting a business is perhaps the number one reason why a lot of millionaires are now ex-millionaires. Particularly those who have never been in business before. I realize the temptations are there. You have the cash. Why not earn more returns from your money by starting a business? After all, if the business really takes off, your money will shoot to the heavens.But think again and again. Then think one more time. First question - what do you know about running a business? If you cannot even answer this question, then case closed. Keep your hard earned money in your pocket.As mentioned in the book "Millionaires are from a different Planet!", 80 percent of businesses close up shop in the first year alone. After five years, only five percent of businesses will remain open. Now, that's a mighty high rate of failure. In short, business is already very, very risky. Don't make it any worse by opening up shop if you don't know anything about the business. As a side interest, check out the list of businesses yours truly has been offered - property development, importing furniture, insurance agent, music shop, CD recording, music studio, managing a rock band, Amway, Cosway, Internet MLMs, car repair and best of all, cow breeding! While I'm sure these businesses can make money, what I know about them is as much as I know about the sex habits of earthworms - nothing. So thank you very much, I think I'll keep my money this time around.2. Inappropriate investments Making inappropriate investments is another culprit. Someone comes around saying why be happy with 10% return from ASB when you can make 30% (or more!) in ... (fill in the blanks). The "investment" can be futures, options, currency trading, commodities, properties, time-sharing, gold, silver, opals and the latest - Internet ventures. If you love yourself and your family, take my advice - keep the chequebook and shut the door. All the above - while it can make a lot of money for some selected professionals - will only drain your bank account like a vacuum cleaner on a jihad. Folks, any investment that is too good to be true, is exactly that - not true. For starters, no one is gonna broadcast on any investment that can provide a return of 30% plus per year. They'll be too busy trying to keep it to themselves!3. Buying expensive toys After years of living from hand to mouth, coming into some big money can drive folks wild to the ninth degree. I'm sure you have read reports on some of the big spending Felda settlers. In one extreme case, after getting the money for their land, two sixty plus year olds went out and bought themselves super bikes! Many others went on a similar buying spree for themselves and their children - gleaming new Protons, big huge bungalows including swimming pools, home theatre systems, gold chains a foot long and just as thick, and any other expensive toys you can think of. All these wild spending will only take them to one lonely club - the ex-millionaires club. What is worse is that it led them to the ultimate poorhouse - no land, no money. These are just but three reasons why some folks become ex-millionaires. Now that you are forewarned, make sure you do not join the list. Stay a millionaire. It's much, much better. For starters, you have more money!------------------------------------------------------------ 2. QUOTE OF THE MONTH ------------------------------------------------------------ "It's not whether you get knocked down, it's whether you get up." Â * Vince Lombardi, Sr. *

adsense tips

The Amazing Google Adsense Program is today towering like a Colussus in the Internet. It has helped some smart Internet Marketers to make a huge amounts of money, while at the same time it is interesting to note that many new Internet Marketers and Internet Home-Based Business Entrepreneurs are receiving their first pay check from Google Adsense rather than the main affiliate program.Given below are the Tips, What, How, Who, Why, When and Where of Google Adsense in a nut shell.Adsense Tip: What is Google Adsense:Google Adsense is a program designed by Google that can generate advertising revenue for your website. Relevant Text and Image ads, targeted to your website content are delivered by Google. Additionally if you place a Google Search Box in your website, relevant text ads are displayed when a search request is made by a website visitor. Google will pay you for all valid clicks made by your website visitors on the ads or search result pages. Another new addition is the Google Adsense Referrals Feature, whereby you can generate additionally income by displaying Google's Referral Buttons on your web pages.Adsense Tip: How to get started with Google Adsense:You have to apply to Google Adsense by completing an online application form at https://www.google.com/adsense. Once the application is approved, you will be able to participate. You then have to copy and paste a HTML code that is provided by Google Adsense into your web pages. The code creates relevant ads to the content of the page. When a visitor click on it Google pays you.

3 simple steps to buy a new honda :)

yes, just 3 simple steps!

just believe it :)

step 1

make intention.your intention should be strong and specific


step 2

make a plan.make some brainstorming.discuss with friends.what is the best way to achieve your goal


step 3

work your plan.a plan is still a plan if you didn't work on it.and be patient, your goal will arrive soon :)


believe it?

adsense

Discover your site's full revenue potential.
Google AdSense is a fast and easy way for website publishers of all sizes to display relevant Google ads on their website's content pages and earn money. Because the ads are related to what your visitors are looking for on your site — or matched to the characteristics and interests of the visitors your content attracts — you'll finally have a way to both monetise and enhance your content pages.
It's also a way for website publishers to provide Google web and site search to their visitors, and to earn money by displaying Google ads on the search results pages

blog you

mula-mula kena ada blog dulu.
mudah je caranya, mula2 p kat http://achiksensei.blogspot.com/
pastu klik kat 'get your own blog'
pastu ikut je arahan dia
pastu selesai la sudah blog anda dan dah boleh start posting dah
pastu..
p balik kat http://achiksensei.blogspot.com/
klik kat 'generate revenue from your site with google adsense'
ni utk register adsense
signup je dan isi maklumat yag dikehendaki
pastu p balik kat blog anda tu
login dan klik 'create new post'
pastu klik kat 'template'
klik kat 'adsense' dan aktifkan akaun adsense anda
oppsss..
sebelum tu, masa reg akaun adsense tu.kena tulis la alamat blog anda tu
dan juga adsense ni perlu beberapa hari juga utk diapprovekan
so, apa kelebihan adsense ni?
senang je
kan ade kotak yg tulis 'ads by goooogle' tu
sape2 yg klik kat iklan dlm kotak tu.kita sebagai tuan punya blog, akan dpt la komisennya cukup bulan.pihak google akan antar cek kat kita
betul... kalu nak dapat cek buat le dulu
dan juga jgn lupa promote blog anda tu
ok, selamat mencuba (^_^)

just new

at last!

i have just customize my blog

hope you'll love it!

google search just been added there.so you can use it to search whatever you want.
and don't forget...

if you want to make some money, just click at 'google adsense' button at your right

ok, see u then :)

invest now!

money is an idea

it will grow

or die

its up to you


we use money

to become wealthty

use you money wisely

always invest rather tahn consume


invest will grow your money

consume will eat your money

SUNY campuses get money to grow

By CARA MATTHEWS

ALBANY -- State University of New York campuses received a boost last week when trustees approved a $2.26 billion financial plan to be divided among its four-year, doctoral and technology colleges, with increases ranging from 2.2 percent to 17 percent.Binghamton University, for example, is receiving an 11.3 percent boost in state money for the upcoming year, and the increase is very welcome, President Lois DeFleur said. The school had a record number of applicants this year -- more than 26,000 applications for just over 3,000 spots, she said.Binghamton and other SUNY campuses will be able through the funding that the system received to hire about 380 new full-time faculty members. Binghamton will be able to hire some 20 new full-timers, DeFleur said."We're really very, very pleased. This allows us to really provide the students with more opportunities," she said.At one point, the percentage of full-time professors at SUNY was in the mid-70s, and now it's at 62 percent of the total, SUNY spokesman David Henahan said. The rest are part-time professors. The extra money will start to reverse the downward trend. Full-time faculty are on campus more and have more opportunities to mentor students and contribute to scholarship and research, he said.Across the state-operated campuses -- which do not include community colleges -- the 2006-07 budget provides money to increase enrollment by more than 7,700 full-time students. Included in that is money for science/technology and allied-health program expansion, areas in which many employers are seeking qualified workers."This budget will enable us to have seats for students who want to enroll at the university," said Thomas Egan, chairman of the trustees.The $2.26 billion financial plan consists of $1.36 billion in state support and $896 million from tuition and other sources. It provides the level of state support SUNY sought in order to cover mandatory costs, such as salaries."It is important to note that the overwhelming majority of SUNY's financial plan enables the university to meet its salary obligations to the faculty and staff, maintain our 90 million square feet of facilities and address escalating energy costs," Chancellor John Ryan said in a prepared statement.For community colleges, the 2006-07 budget increases operating aid per student by $175, to $2,525. Local sponsors, usually counties, and students pay the rest.The community colleges will receive $1.8 million more for high-needs programs such as allied health and nursing and an additional $600,000 for rental aid, to $7.1 million.

Sell money to make money

- Victoria Advocate

HALLETTSVILLE - The Sacred Heart picnic officials are hoping to make a little cash off two collections of old coins donated to Sunday's auction


There will be 10 pounds of wheat back pennies and a complete set of 12 Morgan Silver Dollars on the auction block at the Knights of Columbus Hall.
Other auction items will include a Remington bold action rifle, livestock, quilts and the pastor's cake.
The jar of pennies was donated in the name of Alphonse Hemmi by his brother Walter and sister-in-law Betty Hemmi. Alphonse Hemmi, a longtime parishioner, died on July 4.
"When we were looking through his shop we found all these old shortening cans on a top shelf that were filled with pennies," Betty Hemmi said. "We didn't know what to do but figured there was a better use for them than sitting on a shelf."
The family has also made a donation to the Sacred Heart School's vocational program in the name of Alphonse, who was a machinist by trade.
The Rev. John Peters, church pastor, said the church received an offer of $1,000 for the jar before its existence was even general public knowledge. He said that figure would serve as the starting point for the bidding.
Frank Baker of Edna, a former Hallettsville resident, donated the Morgan Silver Dollars to the auction. The uncirculated collection of coins is dated 1878 to 1889.
The auction will start at 1 p.m. The auctioning of the quilts will begin at 3 p.m., livestock at 4 p.m. and the pastor's cake at 5:30 p.m. The cake sold for $17,100 at the fall picnic with Peters hoping to get more money this time around.
The all-you-can-eat picnic meal, which will be served from 10:30 a.m. to 1:30 p.m., will feature country-fried chicken, homemade cornbread dressing, picnic stew and side dishes. Meals are $6 for adults and $3 for children. Drive-through lines for plates to go will be available from 10:30 a.m. to 1 p.m.
Entertainment will include music by the Rusty Steins from 11 a.m. to 1 p.m. and a free dance on the Polka Pavilion-Biergarten from 1 to 10 p.m. with music by the Tony Janak Orchestra and the Bobby Jones Czech Band. There will be bingo from noon to 4 p.m., horseshoe pitching at 2 p.m., washer pitching at 5 p.m. and karaoke from 5:30-9:30 p.m.

A Hobby That Can Make You Money

By Padraig O'HannellyMay 22, 2006

We all need hobbies, and some are more expensive than others. But have you ever considered a hobby that can, just possibly, make you money?
I'm referring to investing in shares, or more specifically, stock picking. For many people, investing is a hobby; they do it because they enjoy it.
Just like any sport, or any game of skill, investing is a challenge. If you think it's easy to beat the market consistently, let's be clear about something -- it's not! That's your challenge as a stock picker. But like any other activity, there are steps you can take to improve your chances of success.
Because it's not easy, there's a real sense of achievement when you get it right. But sometimes that feeling is misplaced -- did you really make money because of something you did, or did you just get lucky? Luck is a always a factor, whether you're winning or losing.
And there will be times when you're losing. Like any worthwhile challenge, investing contains an element of risk. Isn't this what many people look for in in a hobby? Admittedly, investing does not provide the same immediate thrill as jumping from a plane, but the knowledge that your hard-earned could be lost, or appreciate hugely in value, is a real buzz. (A word of warning here: if you are addicted to the adrenaline rush of gambling, or if you have money problems, then it's probably wise to steer clear of the stock markets).
So how do you think you would feel if a share you bought doubled in value? Or halved in value? Nobody likes to lose money, but how risk-averse are you really? I believe you only know your real attitude to wealth, risk, gains, and losses when you've put it to the test. There's considerable self-knowledge to be gained from the way you react in different situations, especially if the sums involved are significant to you.
But you're not alone -- investing need not be a solitary or lonely activity. Investment clubs provide social interaction, if that's what you're looking for. Or why not join in the debates on the Motley Fool discussion boards, which contain a wealth of ideas and opinions, and not just on investment.
Investing in individual shares is not for everyone, and some avoid shares completely. Many people are happier with index trackers, which statistically should perform as well as the average stock picker. But if you're up for the challenge of trying to beat the average, and if the risks are appropriate to your circumstances (because the risk of losing money is very real), then I suggest that picking stocks can be an enjoyable and potentially rewarding use of your time.
If you're new to all this, I recommend that you start with this article by Ed Bowsher, and then this one. Happy hunting!

make money from home

I was sitting around today and I was trying to figure out what to right about in regards to my next article; it's hard because the subjects remain the same but the details change daily. I sat around and decided I would share my thoughts in regards on how I've made my website successful; I've done this before but I think I've figured out a way to express my true feelings in regards to home businesses. I signed a contract my mentor proposed to me, so I can never go too far, and I don't want to; he's been a huge influence on my life as an Internet Marketer and person. I consider myself lucky because it's hard to find a person in this business that can truly show you the ropes. I'm going to do my best to show everyone how you can make a home business work without breaking that contract.
I believe the most important aspect of making a home business work is one's mental outlook on life. You really need to be a positive person in order to make money from home. All of us who can make profits from home usually have a good outlook on all avenues of life. How you approach all areas life will be tested in the home business setting; if you're a quitter, you definitely won't make it in this field. I make mistakes all the time, but I never make the same mistake twice. It's alright to make mistakes; that's how you learn and grow. The home business market is very competitive, and it changes everyday; there are so many smart people out there who know what it takes to be successful. When you start your business you'll be up against the majority of these people; as you grow in this business; you'll find yourself separating from the competition; you need to separate yourself, if not, you won't make it. The initial learning stage is the most important step; you'll make or break your business during that time. Try to tell yourself "I CAN DO THIS" The positive attitude will be the driving force behind your success. Not everyday is a holiday; how you react to the trials and tribulations will shape your future in the home business market. It's alright to fail in certain areas; it's unacceptable not try. You learn from failing and trying new things; if you just copy what someone else is doing you'll eventually hit a wall and you won't be able to hurdle that wall because you haven't established yourself as an individual in this business.

Magic formula to make money

D. Murali
"You can learn how it's possible to more than double the annual returns of the stock market averages."


For the market-mangled, there seems to be hope: "You can achieve investment returns that beat the pants off even the best investment professionals," assures Joel Greenblatt in The Little Book that Beats the Market, from Wiley (www.wiley.com). "In fact, you can learn how it's possible to more than double the annual returns of the stock market averages," he'd add.
How is it possible, you wonder? The author, who is a hedge fund manager and professor, and `whose investment firm has averaged 40 per cent annual returns for over 20 years,' teaches how.
He begins with two lessons in the intro: "If you really want to `beat the market,' most professionals and academics can't help you, and that leaves only one real alternative: You must do it yourself." To help, Greenblatt offers `a magic formula' — that lets you choose `good companies at bargain prices.'
Figuring out what a business is worth isn't easy, concedes the author. "After lots of guessing and estimating, maybe you get it right and maybe you get it wrong. But what if you could? What if you could figure out what a business was really worth?" Greenblatt explores all these questions and more, through a story that takes you through the protagonist Jason's business plan.
The teacher in the author peppers the pages with narratives about financial analysis classes in an Ivy League university. For instance, he asks students if General Motors could be worth $30 billion one day and then a few months later be worth $60 billion. "Are they selling twice as many cars, making twice as much money, or doing something drastically different in their business to justify such a large change in value? Does something happen each and every year to account for large changes in the value of most companies?"
The answer is `No!' declares the author. "The prices of the shares in most companies swing around wildly each and every year. All you have to do is look in the newspaper to see that that's true." Why then do prices change so much if values don't likewise change? There are many `complicated explanations and theories' to reason why. But Greenblatt discards the same as `theories as to why something that clearly makes no sense, actually makes sense.' His answer is simple: "Who knows and who cares? Maybe people go nuts a lot."

how to make money

Who in this world would not like to make some money? That is the question that a good many people ask and they are finding that it is easier than ever to make some money with their internet connection. This is no secret as there have been ways to make money online since the dawn of the internet age and more and more people are jumping on the band wagon. Of course this does not mean that you should take in everything that comes down the pike. There are more than enough scams that are running where the only people that are making money are the ones running the scam. Before undertaking any kind of money making opportunity you should be sure to check it out thoroughly, because they may be nothing more than thieves in disguise.
One of the best ways to make money online is through one of the online auction places. There is a lot of money being made with this type of thing and it actually requires very little effort on the part of the person who is selling the items. You will of course need to determine a proper product to sell and then make the items appealing to others. There is a whole host of things that you can sell through these sites and that means that you can make a lot of money if you know what you are doing.
Owning a web site that sells products is another way to make money online. You have a lot less in the way of fees as opposed to the online auction site but that also means that you have to do all the marketing yourself. This can be tricky as you need to drive the traffic to the site yourself, which is something that the online auction venues do for you. All in all you can make a good share of money if you plan ahead and make it work.
Affiliate programs are also making a strong showing to make money online. Instead of having to come up with products to sell yourself you undertake the task of selling another companies products for them. This is usually done on a commission basis and can really work for someone who is in the sales game full time. There are a good many companies that offer this type of thing and all you have to do is figure out which one is the best for you.
Information products are another good way to make money online. If you are an expert on something than someone else is most likely to pay you for that type of information. This can come in the form of books or just a basic online class. There is a lot of money being made in this area and if you have some skills you can cash in on it.
Web design is still one of the areas that one can make money online as well. There are a lot of people that want a web site set up and that means those who have the skills to do so can make some serious money.

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