Thursday, February 9, 2012

Backend Income Secrets Review

"The back-end Income Secrets", by Theo Handen, at first impression looks the business. Nice video intro on the homepage and lovely music, you can tell the quality is high on the face of it but hat is the actual product content like? This article is going to review the content.   In the back-end income secrets, it has 6 modules which are:
What is a backend
Planning your sales strategy
Building vale and a customer relationship x2
Frontend selling
Designing your backend
Well it's a good start so many courses and products  jump straight into heavy content and you don't quite get what they are talking about,  assumptions always cause more harm than good.  Here Theo has carefully outlined what he means by a back-end and I guess how that ties into his product.  He also takes the time to introduce some key concepts and phrases where I learned something straight away.

The course really focuses on 2 particular modules on building value and a relationship and the content I think is very apt as without having that grounding you obviously will be coming short as a business when you do not offer your customers value to come back,  that's the whole essence of his back-end income secrets formula.  I have to agree, It is very well articulated on what qualities you should be working on to set your business to grow exponentially as he says.

To my surprise this course is content and tool rich! It has so many process charts on how not to do things and how then to maximize your profits and revenue systems this stuff is excellent he has spent a lot of time with top internet marketers as you can see in his blog people like Mike Filsaime, Mark Ling, Simon Leung amongst the top names.

You get to learn some great marketing strategies particularly about how to use offers during the point of sale and more importantly after the point of sale, how to integrate your sales flow to pick an additional 50% of sales that would have otherwise been lost, and the beauty of it all is that he uses some case studies form big companies so you really understand how to do it

He has a really cool tool called his sales proposition tool, this a neat matrix where you can use it to create  value proposition for almost any product you can think of, very ingenious! Not only that but you automatically create your sales copy and it works on all the right trigger points. This is often the hardest part in trying to get people to buy your products and he says it right that 'you have to show your customer the value during the buying process'. If you have a website or even if you are a sales rep selling products this tool will give you everything you need to help close sales, it's very clever and he shows you how to use 3 key words, FREE, ROI and VALUE into your proposition and why they work so well, all with guided examples. You can use this system for physical product and digital ones.

I have to say I'm very impressed with the content firstly it's all in video with excellent explanations and charts not just text which I can't stand in typical internet marketing products. h has gone also made an effort to create a pdf with all the charts and graphs on there for reference - a nice touch.

The final two modules are excellent he really does expose some out of the box thinking with the limitations of frontend selling, something that I really wouldn't have thought of in terms of how you can actually lose money up front and make much more on the back-end which he fully explains how to create and design your own with detailed graphs and how to price your products etc. There's again plenty of content and explanations on the concepts and how they work.

All in all I have to say the content is top quality you will definitely gain a lot from watching the videos and reading the manual . I learned several things myself and I have bought many internet marketing courses which have all been good.  He also has system for you to create a complete back-end sales system with multiple products there and then so you really can start applying the system straight away.   Who would benefit from this product?

If you are brand new to internet marketing you will have a super advantage and cut your learning curve down by months by applying the strategies in this course.  If you are an eCommerce site that has been focusing too strongly on just front end sales and spending a lot of money on leads maybe through PPC, you will gain a lot from changing your sales flow process as described in this product.  Even if you are offline you can get some valuable insight on how to position your products with higher value to get more sales.  Incidentally the second module- planning your sales strategy really is the key to making your business ready for not just limited sales on a one product method, but to set it up to leverage of every product you have.

All in all a high quality product that I would recommend without any hesitation- I would get it whilst he's giving it away for free, the regular price is $197 which again would be good value, but when it's free that makes it the best deal out!

Four Ways to Use the AdSense Secret For Improved Income

The AdSense secret is really not much of a secret at all. It is the placement of words that link to a business web site online in order to direct additional traffic to the products or services of the target web site. Because the concept of paying to view ads is a proven method of gaining revenue from a web site, it makes good sense to take advantage of the possibilities. Keep the program rules in mind so that your business stays within the guidelines to avoid possible shutdown due to nonconformance. Use the common sense approach and you will be guaranteed to end up with more income with minimal work.

Common Sense

When you are applying the AdSense secret as a way to increase revenue to your web site or as a separate business to boost your part time or full time income, the primary factor to remember is to use common sense in setting up your campaigns and designing the applicable web sites to display the AdWords. Never set up a web site with the idea of just filling the space with advertisements. The administrators of AdSense will quickly eliminate the use of the website for their program.

Passive Income

The AdSense secret allows you to add substantial passive income to an already existing web site. When you place AdWords on your web site, the revenue from these words can be a nice addition to the product or service sales that you earn from the site. It's important to stay on subject with your AdWords campaigns because it is expected that you will select AdWords that are related to a subject in which you are knowledgeable. The information that you use to display the AdWords is data that would be a part of your web site anyway. The more interesting your web site is, the more opportunities you have to increase passive income.

Consultant

One of the benefits of using the AdSense secret is that you can market your services as a marketing consultant. This may be a matter of semantics, but by doing the needed research in how to find the right keywords for your clients and developing web sites that showcase the keywords appropriately, you can honestly present yourself as a professional consultant in the field of marketing. This can be a profitable addition to your regular product income and one which requires very little additional effort on your part.

Traffic Flow

Use the AdSense secret to improve the traffic flow to your web site. Using AdWords in their proper context will improve your page ranking because you are providing the type of information desired by searchers on the internet. Furthermore, the information is presented as a completely natural extension of the information you would place on the web site anyway. The use of appropriate search engine optimization techniques will improve your page ranking and so will draw in even higher traffic counts to your web site. This secret is just a matter of using the AdSense techniques effectively on your own web site.

Affiliate Income Marketing - Residual Secret Methods

Many people online feel that the easiest way to make money is to be part of affiliate programs. Although this may be true most of those people don't know about the affiliate income marketing residual secret methods that are used by only the few that know about it. These methods consists of affiliate marketing combining with having a consistent residual income every month coming to you. This may seem new to you but the funny thing about it is that so many people utilize this on a daily basis.

I can tell you from experience that those who use the affiliate income marketing residual secret are the ones that have the most success online because they are able to do something once and get paid for over and over every single month.

The concept of the affiliate income marketing residual secret is very simple. Of course you're promoting someone else's product for example a company in this case and by having people join that company or utilizing the company's service you will be rewarded not only once but every single month as part of your residual income benefits.

Of course this may be shocking to you just like it was to me but I assure you that is very real because I use the affiliate income marketing residual secret on a daily basis. This is part of the concept of building a long-term business and have it be a consistent way of achieving income for yourself. Just like I always like to say the first thing you must do is your own research because only your due diligence will always make the difference when joining something you don't know about. So don't take my word for it and check it out for yourself.

Top 3 Secrets to Generate Massive Affiliate Income

Affiliate marketing is one of the best strategies to make extra income from the comfort of your home. In fact, affiliate marketing has created the most internet millionaires compare with other money making opportunities available in the internet. Unfortunately, there are still many people struggling to generate massive affiliate income from their internet business.

One of the common reasons most people fail in affiliate marketing is that they are not putting 100% commitment into it. They treat their affiliate business like a hobby and that is why they are making only hobby kind of income from it. If you want to make massive affiliate income, you must follow through these 3 secrets...

1. The real secret to make real money in affiliate marketing is to pre-sell your visitors. You have to put your visitors into a buying mindset before you lead them to your affiliate merchant. Most people are skeptical and are not ready to buy. Therefore, you have to be the one who opens their mind and let them make the purchase.

2. In order to generate massive affiliate income, you have to follow up with your leads. People usually will not buy from you the first time they heard from you. And if they leave, they will never come back again. Experts say that most of the sales are made from the seventh contact and above. Thus, you need to capture the contact information of your visitors so that you can follow up them again.

3. The final piece of secret that I am going to share with you is a very simple idea. However, if you do it, you can definitely generate massive affiliate income from it. This secret is to stay focused in your affiliate business. Promote only one affiliate product with one website at one time. Many people diversify their effort and that is why they find it hard to make sales. Concentrate your energy like a laser beam that cuts through anything lie in front and you will see the amazing results from it.

These are the top 3 secrets to generate massive affiliate income. Remember, your job as an affiliate is to soft-sell and you have to stay focused in promoting only one affiliate product until you make your first $1,000.

Secret Forex Income Review - Forex Breakout Trading System

Does the Secret Forex Income system really work, or is it just another useless trading system? You might have seen the claims made the owners of this system who say that they can make up to $1,800 per trade. But are these claims really true? I decided to purchase this system for testing and find out how it really works.

1. What Kinds of Trades Will You Learn to Make Using the Secret Forex Income System?

There are 2 breakout trading methods inside this system which I have found to be really effective. Users of this system will know exactly how to evaluate the market for these breakouts to know the strength of the trend and probabilities of success.

2. Is The Secret Forex Income System Really Profitable?

Upon using this Forex trading system, I have discovered that it is actually quite simple as its techniques are very easy to understand and use. In fact, the most profitable Forex systems tend to be the simplest ones since they allow the trader to use them confidently and with discipline. Even though this system does make some losing trades at times, it has always been producing a profit week after week for me.

3. How Does The Secret Forex Income System Work?

Users will learn how to evaluate the feasibility of trading breakouts based on the number times the support or resistance levels have been tested, the way they have been tested and also the time frames in which they have been tested. Only after the base has been confirmed to be a true consolidation base can a breakout trade be placed.

4. Should You Use The Secret Forex Income System?

This system utilizes breakout trading and I have found that it is a really reliable and consistent way to make money on Forex. All the efforts and time necessary to find these trades are very well worth it, and I highly recommend this system to all currency traders.

Work From Home Income - The Secrets You Want To Know

Now, there are so many work from home programs available on the net, so many that many people end up really confused on which one to follow, where exactly to start, what pin-point advice can one follow to start an instant internet income system. Probably you haven't started your internet business yet or you have started but its not working yet, then what you really need is, first and foremost, ONE word of advice that will change your life. If this is what you need, there are a couple of things you need to hear, understand and consider before you endeavor on building a work from home instant income system.

All work from home income systems on offer on the internet will obviously promise different benefits/outcomes. But is it really so? Am going to share with you the things you need to consider when you really need to progress in a work from home program. Let's consider those things:

1. Internet business is for people who want to build/create wealth slowly AND consistently. But "slow" in the Internet business is really fast - get that immediately. So, you need to consult your inner self first, to find out if you are only after 'get rich schemes' or you are truly after generating income according to the correct approach and principles. Your answer to this is your foundation to success or another frustration on a work from home program you just find on the net.

2. Get started! Starting is the biggest step in any business idea, over half the work is done by just starting. Decide you are going to be in this business to generate income. You must believe!

3. Plan on ways to get regular, consistent cash. Again consult true self: how much money do you have for now? What kind of internet income programs can I start with? Who can be your mentor to take you by the hand when things get tough? Such questions are really critical if you are to embark on a work from home income system because:

a. You won't start with a system that throws you deep into cash problems when you actually want to make money online. There are many types of internet marketing: from zero-investment ways to minimum investment and considerable investment ways.

b.You need a mentor - someone you can drop a line to show you the way. Remember you are building income and these mentors have been where you are, they have refined their ways of getting income over the years and it is to your great benefit to get hooked up with such. Going alone can be disastrous sooner or later.

4. Pick up a work from home income system that suits your gifts, talents, what you are good at, what you are passionate about, what you love doing. Not every making money online program is best-suited for you - you must focus on a way that best fits YOU - get this!

a. Is it selling other people's products? Just selling?

b. Do you love writing?

c. Do you love research?

d. Do you get excited when you are developing things, fresh ideas?

e. Do you love web design or anything associated with this?

All such questions will help to know the best way to make money for YOU online.

Now, if you truly want to start making money online or your road has been rougher ever since, remember what you really need is one word that can change your life. I am going to present to you a report on one instant income system that will certainly change your life. What I like about this report and the work from home system offered is:

1. As you go through the report, you will find your style of doing business, and you can start immediately.

2. If you listen and read between the lines, you will find secrets (a word) which you were missing all along - the missing key in your work from home income plans.

3. Practical videos and audios are there, to take you by the hand and walk you through the right approaches and set-ups, step-by-step. 'Get rich quick' schemes won't give you this.

4. All the work from home secrets you were looking for are detailed. Certainly, you will find a word you were missing all this time.

This could be all you needed to set that work from home business on the right path. Once you have registered (for free) you will receive a Fast Track Guide / Report and it will definitely carry you through - the secrets you have been looking for.

Creating A Passive Income Online - 2 Secrets You Must Know

<blockquote>
The Internet Is Filled With Tons Of Fluff</blockquote>

Whether you like it or not the statement above is not a question. It is a fact. Everywhere you go online loads of articles and blog posts have been raised to educate you on the topic of creating a passive income online.

I was just like you sitting there staring at my screen last time. The way I see it, you could say that it is your good fortune to have found this because there are enough of hype and fluff about this topic. So, I'm out to reveal to you the 2 secrets that people had probably never told you before.

Secret 1: It Takes Hard Work And A Little Dedication

You see, its really no secret at all. However, just some background to this statement here. You see all those guys posting websites after websites of how they made their money and nice cars and houses online.

Let me ask you. Do you think they paid about $97 for a product that teaches them about creating passive income online and then made the bazillion dollars next Tuesday? The answer is no.

Of course,
here is what I want you to smile about. It only takes an initial effort or investment for a period of time before you start to see your income snowball in. Prepare for a change in your life.

Secret 2: Believe In Yourself Not The "Heavy Hitters"

I think its worth mentioning here because there what we call the heavy hitters club. People who sell opportunities such as network marketing membership programs like hotcakes and hot dogs at an NFL live match.

Sure, you can certainly learn from them but most of the time, you can't always depend on their promises to bring you a money genie from a lamp. The real secret to success is the unwavering belief in yourself and in what you are doing.

There is more to creating a passive income online than just buying the next exciting business opportunity that comes your way. You have to realize that passive income is a process of learning and having fun while you generate automated profits. Learn from real people who are honest and willing to teach you.

Online Income Stream - 5 Secrets To Quickly Increase Your Income

<blockquote>
Building A Profitable Online Income Stream Is An Expensive Dream!</blockquote>

I can understand what you mean if this has come across your mind. Be it in the form of investing on advertising or just time and effort it still costs you a large chunk of your "life". The truth is being able to boost your online income stream to a really insane level first comes from doing the right things. Then, get ready to be blasted with the tips below.

Secret #1: What Is Your End Goal.. In Numbers?

You definitely must be able to see what you want to achieve at the end of say 3 months or 6 months down the road. No one is going to tell you how much you can earn. See the difference? If its $3000 in 3 months then write this down and pin it to your sketch board.

Secret #2: Family And Business Don't Mix

Imagine blending orange and sushi together! Thats a pretty strange concoction for a snack. Its the same when you want to build a good online income stream around the house. Make sure you really
dedicate work for work and family for family time. Stay focused on each task.

Secret #3: Money Is The Result Of Providing Value

Many times you will come face to face with doubts. Doubts like, "is this online income stream based website really working?". Yes, you poured your heart and soul. Your real job as an income generator is to know if the market you are looking into sees what you're doing as a valuable resource.

Secret #4: Sow Nothing, Reap Nothing

Like I said earlier. You need a good combination of time, energy and money to grow your online income stream. Nothing comes so instantly apart from your instant noodles (by the way, instant noodles is cheap food). Be prepared to put in a big chuck of blood, sweat and tears for your 'great harvest'.

Secret #5: The End Of Hype On The Internet

One fine day everyone suddenly turned to blogging and they cut off sales pages. Why so? The age of web 2.0 as they say has begun. Before you join this train of madness remember that this is nothing more than just "a trend". Always keep all your contents or websites with a generous serving of honesty!

Not everyone will be able to keep up with you if you are really passionate about your business. Remember your online income stream is directly influenced by the way you run your life. Standing out from among your competitors does take some effort, but you can shortcut this route by employing a good marketing system.

The Secret to Creating Wealth Through Affiliate Marketing

If you, like many online marketers, are looking for a way to increase your affiliate sales you may want to consider residual affiliate programs. What is the secret to creating wealth?

Affiliate marketing, if you don't already know, is a risk-free form of advertising in which a company pays its affiliate partners a commission for sales and/or leads generated through the affiliates marketing activities.

Most affiliate programs reward their affiliates once for a sale, but some reward their affiliates over and over again. This is called a residual income and this, my friend, is what I call earning smart money.

Residual income, also known as passive income, is income that continues to be generated after the sales effort has been expended, this compared to a linear income ( a wage or one time commission) is a more effective way to make money online and the true secret to creating wealth. When you earn a linear income you are being rewarded directly for your efforts. But when you earn a residual income your efforts don't expire, you continue to earn money from your initial efforts and you have time to devote to other things, including learning how to improve your marketing techniques.

Here's an example: merchant A and merchant B both offer web hosting services. The first merchant offers a one-time commission type of affiliate program that pays $80 for every sale you make as an affiliate. The other offers and a residual affiliate program that pays only $10 for every single affiliate initiated sale. Now, initially you will want to work with merchant A since $80 is a larger offer. However, consider what making a lifetime commission on an initial sale is worth and suddenly $80 isn't such an attract offer.

If you direct traffic to merchant A and it is converted into a sale you will only get paid once. But merchant B will reward you monthly for as long as the customer you have referred to the merchant continues to use the web hosting service. This means that without working any harder you are actually increasing your income.

What would you rather do-work hard to get paid once or work hard and get paid several times over.

Residual affiliate programs are not always easy to find, but they are worth the hunt if you want to find the secret of creating wealth. Many companies prefer to operate linear income opportunities. However, you can usually find passive income opportunities tied with weight loss programs, web hosting sites, and music/video download sites. In other words sites that work on a subscription basis are great places to look for residual income opportunities. Each time the customer renews his or her subscription or policy you earn a commission.

Note however, that just because you are earning a residual income does not mean that you can cut yourself from your customer. In order to get the customer to renew their subscription or continue to purchase products from the merchant's site, you have to keep in touch with them. So while you do not have to throw your marketing efforts into gaining a new customer, in order to gain financial stability, you do have to put time and effort into making sure the customers you do have are satisfied. Often it can just be contacting your customer to remind them of the renewal date. But some communication is required otherwise you could lose potential profits.

But merely calling to remind a customer of their renewal date is no way as much work as working 50 hours a week for a set linear wage.

Most people who have made a significant amount of money online will attest to undertaking a residual income strategy. And if you are serious about finding the secret to creating wealth and financial freedom for yourself online then it is definitely something to consider.

Home Based Business Residual Income - The Joy Of Success In Home Based Business Opportunity Program

It seems that millions of people have dabbled into various home based business programs and spent money and time for a couple of years working themselves to death to succeed but have failed miserably and are frustrated and may have given up on their dreams of creating true wealth and financial security from a home based business.

Are you one of these people?

If yes, read on to discover an eye-opening "SECRET" which may rock your world and finally give you the little known "SECRET GOLDEN KEY" to unlock vast internet wealth and make all your dreams to come true.

Most people got fade up from doing 9-5 jobs and all the stress and hassles involved and decided to try their luck in doing home based business opportunity programs which they operate from home to generate auto-pilot cash flow.

However, most of these people are ordinary folks who have no computer programming or business marketing or webmaster or web designing or website promotion skills.

Therefore to get their home based business programs off the ground, they had to spend a lot of time and money to seek and find website designers, web hosting companies, website marketing information and had to read hundreds of e-zines, e-books as well as attend $5000 hot seminars conducted by snake oil internet marketing wannabe gurus.

Yes, there are millions of people who are making large amounts of money doing home based business programs and even affiliate programs.

Ironically, they include these so-called internet-marketing gurus.

However, the problem is these so called internet marketing gurus are slick because they do not tell you the whole truth about the "secret" to get rich doing home based business program, because they don't want you to know the WHOLE "SECRET" and become their competitors!

They do not tell you the WHOLE TRUTH about how to generate website traffics.

If you cannot generate massive website traffics, you will not get website visitors or sales and you will fail.

There are very powerful little known secrets on how to generate massive website traffics for any home based business program.

However, the so-called gurus and webmasters do not share all the secrets.

They sell only half-truths to you for $39.99.

Half-truths are very dangerous because they complicate matters and waste your valuable time and resources.

The so-called internet-marketing gurus have told some home business owners to buy traffics from traffic companies, to do banner advertising, to do opt-in e-mail marketing or joint ventures.

Most of these internet-marketing strategies have been dead and invalid for a few years now. They do not work anymore.

There are millions of fake traffic companies selling 1000 traffics for $10, 50,000 traffics for $50 and 1,000,000 traffics for $500.

So, you spent your hard-earned money to buy their website traffics services.

They told you it would take about a month for them to deliver all the website traffics and that a report and proof will be sent to you after the website traffics were sent to your website.

So you waited for a month, but at the end, you did not get even one sale, even though the traffic company claimed they had sent 1,000,000 website traffics to your website and also gave you a proof for it.

What you did not realize was that, yes, they sent 1,000,000 hits to your website, but they were computer generated (using a script). They are not real human beings!

That was the reason why you did not generate even one sale.

You had been conned and ripped off!

So, you felt angry, scammed and frustrated.

Therefore, you decided to try to get website traffics from the search engines.

So, you squandered $5000 to attend seminars by the so-called internet- marketing gurus and spent a lot of time reading all their hare-brained silly e-books and listening to their audio tapes and watching their videos.

From all these you probably learned how to optimize your website, do link exchange and submit your website to search engines.

But what happened after you did all these as they instructed you to do?

To your horror, you discovered that the major search engines would not even index your website for at least 6 months!

That is what is called being sandboxed.

They placed your website on probation for at least 6 months.

So, there was no way for you to get any website traffics for at lest 6 months.

Your website had not been included in the databases of the major search engines.

So, since there was nothing you could do about that, you decided to wait.

You waited and waited for 6 months.

Then luckily, finally in about 8 months they indexed it.

Therefore, you started expecting website traffics and hits from the search engines so you could finally start making sales and earning income.

But what happened when you checked your keywords positions in the major search engines?

You became shocked to discover that the largest corporations dominated all your keywords and your website could not be found in the top 100 websites in the search results!

Holy mackerel, you moaned.

No wonder you were not getting any website traffics, hits or making any sales!

Ouch. That hurts.

It was then about 1 yr since you started making efforts to earn income from a home based business program.

At that point, you were angry, frustrated and disappointed.

Who would blame you?

Nobody enjoys failure.

So you decided to fight on by hiring a website search engine optimization company (SEO or SEM) to do all the work for you so you could get to the top 10 positions in your keywords and begin to generate traffics and sales.

You plunked down $2,500 for the SEO company to work their SEO "magic" for you, in addition to agreeing to pay another $100-$250 monthly for them to maintain your keyword positions.

They told you that you should not expect any result for at least 3 months-6 months and you had to agree because you had no choice.

If the SEO company you hired was a genuine one and they did their work right, yes, in 3-6 months, you would finally start getting website traffics and sales.

Yahoo! You exclaimed out of excitement.

At last, you finally made it.

You felt happy and wanted to scream and tell the whole world.

Sales were coming in.

You were then able to start paying some of your bills, especially your rent or mortgage, insurance, medical and car loan as well as other payments.

But after 3 months when the major search engines updated their databases, your keyword positions disappeared and suddenly your website traffics as well as your sales screeched to zero!

You were back to where you began a year ago! Zero!

No traffic and no sales, in addition to having spent $2,500 and additional maintenance fee of $100-$200 monthly for about 3 months.

When you phoned the SEO company, they told you that it was not their fault and they would keep charging you $100-$200 monthly as you agreed and that you must have patience because after the next search engine update, your website keyword positions could go back up to the top 10 positions again.

You do not have to go through this. Enough is enough.

This is not how those who are getting rich online are making it.

There is a better way to get rich online without selling your soul to the devil and having a heart attack.

And what is great about it is that there is no website required, no product/services to promote, no search engine optimization needed because there is nothing to sell.

So, you do not need any website traffics or to squander your hard earned money paying website search engine optimization companies $2,500 plus $100-$200 monthly.

This little known but extremely potent and powerful millionaire's secret of creating, preserving and propagating wealth is 100% legal, easy and fun to do.

All you will be required to do will be to open a special "INTERNET FINANCIAL ACCOUNT", click your mouse and enter a "SPECIAL CODE NUMBER", then click your mouse a second time and you make money.

The amount of money you make may vary from $100 every hr to $2,500 daily and even $100,000 monthly.

And you can make fast cash all day, 7 days and 365 days from the comfort of your home or office and from any country in the world.

There is no limitation on how much money that you can make.

It is the fastest and greatest "SECRET" to creating infinite wealth on the internet without doing any work.

Read my lips: no work. Nada. Zip.

This is hot stuff and that may be the reason why you might not have heard about it because the millionaires and the "power elites" who have been using it to create vast wealth without doing any work have hushed it up and jealously hidden it and kept it away from the public.

Can you blame them?

If you wake up tomorrow and discover that there is a goldmine or treasure in the ground under your home, will you place a full-page ad in New York Times newspaper to tell the whole world?

With the millions of dollars which you could potentially make from this $100,000 monthly for life, millionaire's "SECRET", you'll be free like a bird to buy a mansion, with the most lavish and expensive furnishings, jewelry, antiques, electronics, a 50ft yacht, dream luxury cars, pick your choice: Lexus X470, $44,000 Jaguar 2007 S type, Silver Porsche Carrera, $180,000 Ferrari Testarossa, Mercedes 2007 Model S Class, 2007 Rolls Royce Silver Seraph, Bentley Mulsanne S, $220,000 Bentley Arnage Silver Tempest or a flaming red Lamborghini Jalpa!

You can make all your dreams in life to come true, without any hard work!

May these insights into home based business opportunity, online income opportunity, internet wealth secret, internet millionaire secret, shortcut to online wealth, home business internet money making, earn income online, residual auto-pilot cash flow program, website traffics, website sales, affiliate program, website marketing, website search engine optimization, SEO, SEM major search engines, website internet-marketing gurus, help you make millions of dollars and to achieve your life's ambitions and dreams.

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Ikey Benney

Time Leverage - The Secret of Passive Income

The choice to go into business for yourself is usually made because you're sick of working for everyone else. You realize that you can make more money without the headaches if you take advantage of a few passive income opportunities. Yet, you're a bit skeptical about how to fully benefit from passive income and how to make it work for you. Well, time leverage is the secret of passive income.

For you to get the best out of the passive income experience, you have to fully understand what passive income is. This type of income is generated from work that you only put a small amount of time into or only perform one time. Passive income should also be called "smart income". It's designed for maximum income on minimum effort. Using its secret will ensure your success.

Online Advertising Since time leverage is the secret of passive income, a way to save time and generate money is take advantage of the need of others to advertise their own business or products. Or you can take the time to advertise someone else's. If you have a website, you can rent space to others that they can use to advertise their sites for a small fee. Or, you can spend a few hours placing someone else's links and collect commissions from every sale made via your personal links.

Multilevel Marketing Starting a business that is structured in tiers is another example of time leverage. In this instance, this is the secret being used to its fullest capacity. A multilevel marketing business is designed so that a leader, who is contracted to sell a company's goods or services; builds a team of people to work beneath them. The leader will then reap the rewards of their own sales and the sales of the people on their team. With the right size team, the leader won't really have to continue to make high sales if they don't want to. They can supplement their income through the sales of others.

Real Estate Another key example of time leverage being used in regards to passive income is real estate investments. When you buy real estate to use as rental property, how much work do you really have to do to collect your rent? You sign a lease agreement with a tenant and collect your rent every month. Of course, maintenance of the rental property is mandatory; but are you really going to do that work yourself. No! You'll hire someone else to do it.

eBooks eBooks sell themselves. All you have to do is write it. Truth be told, it doesn't have to be a novel. Putting a "How To" on the market will generate income if you choose the right topic. All of the work is done in creating the actual book. The eBook will sell as long as it's live on the market. As long as it's selling, you'll be collecting.

If working hard isn't paying off, creating passive income streams can work for you. Researching the thousands of opportunities will help you find options to take advantage of. Keep in mind that the goal is to get paid well, for a little bit of good work. You're not supposed to do any more here, than you are already doing on your job. You should be doing less.

Time leverage is the secret of passive income. When you use your time wisely and to your advantage, you can build a massive stream of passive income that will continue long after your part is finished. So, stop using your time killing yourself, doing a bunch of work for nothing. Use it to do a little bit of work, for everything.

Disability Income Insurance - Three Underwriting Secrets

You successfully secured an appointment, made the case for disability income insurance, overcame the price objections and submitted the application. Now all that's left to do is sit back and wait for the commission, right? Hopefully. Unfortunately, many agents find that submitting the application is the first in a series of grueling underwriting steps that end with long and confusing client conversations about disability income insurance exclusions, class changes and premium hikes. What's a hard-working agent to do? In five words: Give underwriters what they want.

So, what DO disability underwriters want? It is really quite simple. They want accurate information in three critical areas: 1. Current income 2. Occupational class 3. Medical history

Secret #1: Ask the right income questions and then carefully manage disability income expectations. A good rule of thumb for determining a disability income benefit amount is to calculate 60 percent of a client's gross income. However, the gross income level may not be what it seems. The key is to ask your client to come to the appointment with answers to these crucial questions:

1. Are you self-employed or do you work for someone else? 2. If you work for someone else: What percentage of your income is from base pay? What percentage is from commissions or bonuses? a. If 100 percent base pay: What are your documented gross earnings for the past six months? Get one pay stub that shows six months of history or the multiple paychecks needed to document six months. Last year's 1040 form and supporting W-2s may also be used. b. If mixture of base pay, commissions and bonuses: At the end of last year, what did your 1040 tax form show for your annual earnings? This is normally reported on page one as W-2 earnings. 3. If self-employed: At the end of last year, what did your 1040 tax form show for your NET annual earnings as reported on Schedules C or E plus W-2, if applicable? How about the year before?

Use the last year's W-2 figure as the gross pay to estimate the disability income benefit amount. So, if the client earns $75,000 per year, the monthly gross income is $6,250 and the 60 percent ballpark would be $3,750. From there, explain that each carrier applies maximum disability income benefit levels, based upon the client's occupational class and medical history. In this example, most disability income insurance carriers would provide a maximum base benefit amount of $2,780 and a SSI rider of $1,170 resulting in a total disability income benefit amount of $3,950 - pretty close to the 60 percent ballpark. However, that's assuming a typical occupational class and medical history. When meeting with your client, it's best to stay general until you have been informed of his/her actual earned income.

Secret #2: Obtain a clear understanding of the client's occupational duties. Many disability producers write down the client's job title without asking questions about the duties performed. The duties performed (not the job title) determine the occupational class and the premium charged. For example, one agent submitted an application for an Oil Company Owner. Initially, that would suggest a 5A class with the most favorable rates. However, after learning the job duties, the underwriters determined that the applicant was really an Owner-Operator of a gas station, with an A classification. This occupational class change more than doubled the price of the disability income insurance plan!

Lesson learned: Always look at the duties - not the title!

Secret #3: Be thorough with medical information. This is no time to be shy. Tell your client that it's important to be forthcoming about any and all medical conditions. The client can either give you the information directly, or, use the telephone application option to provide his/her medical information to the carrier. It's best to know about medical impairments up front so we can shop for coverage from carriers that accept medically impaired risks.


Not Recommended: &bull; Copying medical information off old medical exams from prior files. &bull; Assuming no change in medical history without specifically asking the questions. &bull; Providing only the last name of doctors consulted without phone and address. &bull; Providing only sketchy info about treatment, dates, prescriptions, recovery/resolution.


Strongly Recommended: &bull; Tell your client that taking five minutes to carefully record up-to-date medical information today will save weeks in the underwriting process. &bull; Ask every question on the medical section of the application, even if the client is being examined. &bull; Allow us to cut down on the time it takes to get an APS by providing the info needed up front without waiting for the exam. &bull; When a question is answered "yes," get the dates treatment was provided, medicines prescribed and the issue resolution. Also include the name and contact information for the practitioner consulted.


Three Secrets Add up to Disability Income Insurance Underwriting Success When it comes to making friends with underwriting, there truly are no shortcuts. Each of the three secrets has one common ingredient: Thorough and accurate information. Increased preparation leads to increased disability income insurance approval rates every time. Don't be afraid to ask your clients for the necessary documentation. Yes, it can be uncomfortable. But remember, they provide a lot more information than that every time they apply for a home loan. Considering the potential risks and the potential benefits, it's well worth the time.

How to Be a Millionaire by 30 - Millionaire Secret Revealed

Congratulations! You have set yourself a goal to achieve $1,000,000 by age 30. You know what? Having a clear financial goal already gives you a good head start compared to your peers. The next thing you must know is how to achieve your goal. So now I am going help you by revealing the most powerful millionaire secret. Once you understand it, you will realize that becoming a millionaire by age 30 is not as difficult as what many people think.

There is only one formula to the millionaire secret. Yes, just one but it is the most important principle that every wealth and abundance creator must know in order to succeed. If you are ready, here it is:

Income = Time x Value x Scalability

What the formula says is, your income depends on how much value you create, how much time you spend creating that value and how much you can scale up your success. Quite simple, isn't it? However, it is so powerful that anyone who applies it will see immediate increase in income. To show you how it works, we will use an example.

How it Works

For the moment, let's just pretend that you want to earn some extra income by giving one-to-one tuition. You are willing to teach for 2 hours every day at $20 per hour. In a month of 30 days, you will have an additional income of $1,200.

Time

You want to be a millionaire by 30. You know that in order to increase your income you have to take more tuition jobs. So instead of teaching only 2 hours per day, you teach 4 hours everyday. Your income increases accordingly to $2,400.

This is what most people will do to increase their income. They take on more jobs and work longer hours. However, there is a limit to how far this can go. Everybody has only 24 hours a day.

Value

Value is what separates the rich from the poor. When you become an expert in an area, your value increases, so will your income. Let's go back to our tuition teacher example.

Say, one day you discover a brilliant method that can help your students to score straight As in their exams. Your students and their parents are more than willing to pay you $50 per hour for your tuition session. By increasing your value, your extra income jumped to $6,000 per month. Rejoice!

Scalability

Scalability is the most important factor that will turbo-charge your income. It is also what separates the rich from the super-rich. Using the same example, instead of one-to-one session, you decide to teach in small groups. If there are 5 students in a group, your monthly income will explode to $30,000. This is what many people are earning in one entire year!

Can you imagine what if the tuition teacher increases the class size to 10, or even 20, students? Let me do the maths for you. With 20 students, each paying you $50 per hour and you work 4 hours every day for 30 days in a month... your income is a hefty $120,000 per month! You go figure out how much that will be for one year.

In fact, this formula does not only apply to tuition teachers. You can use it in any job, any career and any business. Just spend a minute to think how you can apply it in your life now. Can you begin to see how becoming a millionaire by 30 is going to be a reality for you?

Make Residual Income Online - Free MLM Secrets Revealed

How easy can you make residual income online? Better yet is it even possible to create a residual income that actually grows with time?

The answer to both these questions, is YES, if you have the right tools that work for you.

You have the power to make residual income online, with my free MLM secrets revealed to you in just a few sentences ahead.

The key thing to understand before you start doing anything to make a residual income online is that you have to drive traffic to whatever it is that you are marketing.

For example if you are just marketing your company's products, and you want to make a residual income online off of them, then you have to make sure that your customers are signing up for the auto ship and continue to stay on it, so that month after month your residual income online keeps growing.

Some of my other free mlm secrets revealed to you are, don't just focus on selling your company's products, but also build teams of business builders who also do the say as you are doing.

Teach your team everything you know and help them improve, better yet master these skills, because when you think about it, there are people out there who are naturally good and better at certain things than you are. So use them to your advantage, especially when they are a part of your team. If they perform better, that will only make you look good and increase your residual income online over time that much faster.

If you leave with only one thing, I want that to be, to not be afraid to teach and share your secrets with others, because as you reap you will sow. Besides its a lot better to give and be praised for your unlimited giving to others, and personally see the results in others.

Money Making Secrets - Exit Immediately If You Are Not Interested

Since it is impossible to add hours to your day, even if you give up sleeping hours and other times that are spent away from the income producing part of your life, if you want to increase your income, you almost certainly will have to work smarter, not longer or harder. Money making secrets usually will focus on ways that you can work smarter. Sometimes passive income is identified as a source of additional funds. Generally, though you must either do more tasks in the same amount of time, add additional income sources not previously used, or receive more money for the same tasks that you currently accomplish.

Increase Efficiency

Take advantage of these money making secrets for boosting your income by increasing the efficiency of the way you process and complete the tasks you are assigned. Efficiency improvement can be a simple as where you do your work. Working in an area where everything stays in the same location means you don't have to stop and find that eraser every time you want to change something on a draft. Not only do you need to arrange your work space efficiently, but you should plan your work time as well. Stay aware of when projects need to be completed and schedule enough work time to meet your deadlines.

Add a Second Income

Another way to increase the income that enters your household and is available for your budget use is to add an additional job that leads to a second income. Working at home is one of the best money making secrets you can learn for that method to increase your ability to earn enough for your family's needs. Choose a home business in a field that you enjoy, and it won't seem like work. In fact, you may even decide to make your second income into your first income.

Earn more for your efforts

Using money making secrets to boost your income means that you will earn more for the same efforts on the job. In fact, as you become more skillful at accomplishing the tasks and projects you win, you can command more income for the work that you perform. If you choose freelance writing, for example, as your portfolio of successfully completed projects grows, you will gain a positive reputation that will encourage buyers to consider the quality of your references as well as the price that you charge.

Almost everyone wants to make as much money as possible for the time that they spend on the job. Only a few are able to do work because they truly enjoy the work, rather than because they need the income in order to survive. Take advantage of tried and true money making secrets or tips to make your income more dependable and you can then enjoy the other factors that go to make a successful and satisfactory lifestyle. Sometimes even just one small change in how you work can mean the difference between enjoying your life and just surviving.

Affiliate Residual Income Learn Marketing Secret-Affiliate Cash Secret Review

Have you heard about affiliate marketing yet?

If no then you should learn affiliate residual income marketing secret. Yes you can earn residual income through affiliate marketing.

Let me elaborate affiliate marketing

It is not the hair pulling system at all. In this system you just need to sell other people's product. It means there is no need to create any product by yourself. Even you don't need to have your own website at all in terms of promoting the product. Only you have to check your account for commissions made by you.

Now you got the idea. But there is still some process involved which can get you success through affiliate marketing. That is why I mentioned above that you have to learn affiliate residual income marketing secret.

Now the question is where you will get those secret

Very simple----- Just open the Google search box and type learn affiliate marketing secret or learn affiliate marketing... and you will find millions of sites. You will also find lots of e-books about affiliate marketing.

Now can you tell me which book is to go for-No, You can't tell because first you have to purchase that and then you can tell. And you can not buy all those millions e-books.In this regard I can help you a little-because I have passed this phase before. Fortunately after some research I found Derrick Vandyke and Davinator's Affiliate Cash Secret e-book. It has really changed my way of thinking and my life too.

So from my experience I can say that-Just go for Affiliate cash secret and ignore those highly hyped e-books. Please please do not make yourself fool by thinking that I am promoting this book as an affiliate. If that so then please click the back button of the web page and search for another article.

So, what for I am writing this article-because I am just thanking Derrick and Davinator by re-viewing of Affiliate cash secret. It is just a Goldmine.

Positive Things

1. Derrick &amp; Davin will show you-not to direct your customer to the affiliate website first but to pre-sale the customer and then allow to go to the affiliate website. By doing this you can also capture customer's detail and can re-sale the customer again.

2. In Affiliate cash Secret you will find how to keep in touch with your customer. Here comes the Autoresponder Service. Even Derrick &amp; Davin will show you which one to go for.

3. If you take a membership of Affiliate Cash Secret then you are there to have your fully functional website and squeeze page which your customer can't resist.

4. If you purchase this book then you will get free e-books as bonus which you can use for re-sale or as a squeeze page.

5. This book will also show you about free traffic method as well as paid methods also.

6. If you buy this then you will be able to find a profitable market. Because all markets are not profitable

Negative Things

1. They should have come with with Free membership with free Squeeze Page. Though this membership worths a lot.

2. The Squeeze Page format is very limited. They should have come with different squeeze pages for every member.

3. It could have been great if they were able to provide Quality Free Autoresponder Service.

Conclusion:

What I feel that it is very inexpensive and must have for a Newbie. Affiliate Cash Secret will take you by hand and show you in step-by-step format-from finding profitable market to build Squeeze Page and to make sale=Money. They also have a forum where you can learn affiliate residual income marketing secret from many successful marketers.

The Secret of True Wealth

Most spend 40 plus years attempting to achieve it and yet only 1% of American accomplishes it.

This secret is so simple that a 5 year can understand it. The secret of true wealth is to make more money than you spend. When you put this extra money to work, it can create an income stream. Grow this income stream until it is large to replace your working wage. This is the secret of true wealth: to have sufficient income each month to accomplish your needs and desires.

Why don't more Americans follow this simple concept to have the secret of true wealth? It is not about the amount of money that you earn. You will receive more than one million dollars in your working life. Here is the math, by receiving $2,000 a month income and working the usual 40 plus years you will earn more than one million dollars. $4,000 a month equals 2 million in gross earnings. Do your own math, how much does your household bring in each month... How many million will your family earn?

And yet fear of not having enough money for retire is widespread among all income levels in America today. The statistics tell most Americans live in money desperation during retirement.

$ 1% is wealthy.

$ 62% have less than $6000 in annual income.

$ 79% have total assets of less than $35,000.

$ 80% have an income of less than $15,000 per year.

$ Only 20% have income of more than $20,000 per year.

If you are working, the numbers aren't great either. Almost half of American households report having difficulty keeping up with their minimum monthly payments. Sixty percent of working Americans are two paychecks away from bankruptcy. Over 1.6 million Americans filed for bankruptcy annually on average for the past three years. Don't blame it on the current poor economy. Back when the stock market was going up, more people declared bankruptcy than graduated from college. In 1999, the stock market rose to new heights, in fact, the NASDAQ rose more than 80%. (From Dr Anney's book - Money from the Inside Out).

What stands in the way of accomplishing the secret to true wealth? Simply speaking, we don't earn enough to satisfy our current desires. We want today, what we can afford tomorrow. Credit and borrowing is a way of life. Most Americans spend 110% of their income. Notice the empty store fronts in local strip mall; each one represents a small business that has closed. Many economists say that 2007 is even worse than 2 years ago.

Let's talk about job security, or market security. Are you and your friends feeling concerned, worried or even panicked about your future economic prospects? For most the answer is yes.

The secret of true wealth is to create a passive residual income stream. Let's break that down, passive means getting paid for efforts in the past, not today. Residual means it keeps on coming even after you leave the work force.

How can most American do this when they are somewhere between knee- deep to neck-deep in debt, and have few years left to build their income stream. MLM's provide the answer for more and more Americans. With the power of duplication you are being paid both today and tomorrow on your entire group's efforts. It becomes possible to earn 1,000 hours a week (Do the math... 100 affiliates working just 10 hours a week equals 1,000 hours).

MLM's have created more millionaires than any other business model in the history of America. But there is a problem... how to become successful in an industry that churns and burns most of the affiliates. The answer is to create a steady stream of interested and qualified prospects to your MLM business opportunity. To do this passively, via the internet is an excellent use of this important business tool.

The Money Secret!

"The Root of All Evil" or "The Bloom of Success" - Here is a little story passed down through the generations you may have heard or not ... but as far as the topic of money goes, it's worth repeating.

The "Secret"

A young man in his early years in the work field was depressed as he thought he was unsuccessful in that he had been working for several years and had nothing to show for it. No bank account to speak of and little in his pocket.

He remembered meeting an elderly man during his youth and also remembered how successful the older man was and thought that one day he would like to be like him. The young man especially marveled at the material things the older man had acquired and knew of his financial success.

So, quite despondent at his own failure and desperate to seek advice or additional learning to better himself he sought out the older man and arranged to meet him. He thought that if he could talk to him the older man would reveal his treasured "secret" on how he attained his wealth.

They met in a quiet setting and the younger man told his story of how he had worked for a number of years and though he tried very hard, he found it extremely difficult to save any money after his obligations and had little to show for all the years he worked. He asked the older man if he would share his secret and tell him how he managed to acquire his wealth.

The older man who might have been of any culture and denomination of faith as this is not a matter of importance, chuckled under his breath and it made the young man feel uncomfortable and embarrassed that he thought he had offended the man for asking. But before he could apologize for his abruptness and inquisitiveness, the old man spoke.

"My son, I have no "secret" regarding my wealth."

And the young man replied, "Oh, but you must have. You must have a greater wisdom than others as you are rich and it is well known that you have much money."

"Well, Yes, it is true that I am wealthy", said the old man, "but how I acquired my wealth is no secret. I shall be glad to let you know."

The young man leaned toward him and showed an astute attentiveness eagerly waiting for the old man's next words that would reveal a mystical magical mystery.

Then the old man spoke. "Son, It is really very simple. Every week you perform your duties and receive a wage, right?" The young man nodded in assent. "Well," continued the old man. "And you dole out your wages to pay your rent, the grocer, your doctor bills, your dentist bills, correct?" Again, the young man nodded. "Well, how much do you pay yourself?" the old man asked. The young man suddenly had an astonished look on his face. "Pay myself?" he blurted out. "Yes," said the old man. "Yourself. You worked just as your doctor did and as your dentist did, didn't you? How much did you pay yourself for the week you worked?" The young man didn't know what to say and sat motionless and stunned.

"You see, my son, that is the "secret" you are looking for which is no secret at all. Pay yourself first before you pay any of your other bills. Pay yourself a wage you estimate you are worth for the week you worked and place the amount you pay yourself into savings. Pay your remaining bills from the balance left. In a short time you will see how easy it is to accumulate a fortune."

They shook hands and the young man thanked the older man for his "secret" and more so for his wisdom. The young man went away determined to put into practice what he had just learned from the old man. The old man went away with a smile on his face and a warm thought that he had brightened the life of the young man with his "secret".

The young man returned home that evening more enthused and energetic than he had been in a long time. He began to think about what the old man had said. "Simple, the old man said. More simple though in words rather than in actuality. "Pay yourself first." Sounds logical enough but then what amount should it be? It is true, I worked an entire week and I have nothing to show for it. Could this be the answer. Could this be as simple as it sounds. He tossed it back and forth and back and forth again. Well, it's certainly worth a try. I'll definitely give it a try this pay day." And he did. And so began the young man's climb to fortune. In no time at all he began to see an accumulation of savings and it made him feel good. "He was right, the old man was right and it really was very simple."

Sound easy? And simple? The secret to success? Well, it could very well be if every thing goes well and falls into place. But life doesn't always work that way. Obstacles keep popping up in a lifetime. Unforeseen expenses too. But aside from paying yourself which is a very nice position to be in, there are other quite apparent remedies available.

Also available, however, is the constant bombardment of advertisements consistent and persistently flashing before the consumer coupled with the equally availability of credit to the point of morally illegal. All of which prompts one to evaluate his or her own financial condition and make a most important decision as to the style of life, the priorities in the picture of one's finances and the goals to set for the future.

Life Style

The average family [census always indicates 4 with the absurd &frac12; individual members] usually is content with an average life style of a home, nice furnishings (renewed periodically), seasonal clothing and a yearly vacation. Most families are conservative and live within their means but in an electronic cyberspace age things are easily uncontrolled and the urge to live beyond means appears to be easier and easier. While it is difficult it is most important to remain within your income boundaries and not become indebted via credit cards and/or equity loans.

Single persons, some with career employment, supplying expense accounts and the life style, of course, have greater financial means but on a personal basis can easily exceed their own financial means attempting to keep up.

So it is important and best to determine how you want to live. That is, dinner and dancing, theatre and shows, cruises and travel, all beyond your means or a more quiet within your budget routine enjoying the best things in life which are free.

The Secret The illustration above of the old man's "secret" is basically very sound. Take the time to make a list of income vs. expenses. That is, the usual amounts expected to be expended monthly. The positive difference between the two would be a basis for the sum weekly deposited as "the wages to yourself."

Realistic Figures

Begin with a simple account of monthly income, single or joint for couple. List all monthly expenses and begin with the deposit illustrated above if the figures permit. If not, it is time to make adjustments. The income figure more than likely will remain the same so it is necessary to cut back or eliminate certain expenses. Don't be discouraged if this cannot be done immediately. It may take time to make the adjustments work into the plan. Some changes can be made immediately while others will take time. For instance, one might eliminate the lawn services at $30 a week and perform this chore oneself. A credit card balance might not be paid at once but additional charges on that card can and should be avoided. A careful review of the list can produce like changes in favor of a larger available monthly income. Some other ways follow.

Ways to Save

Make Use of Coupons/Discounts, etc.

While the internet, magazines and the daily mail are all diluted with ads, flyers and brochures of every kind and nature for coupons, discounts, promotions and super deals and sometimes they become irritably annoying, there is a great deal of saving to be had in perusing them. Supermarkets, fed by food manufacturers constantly compete with one another and it is wise to scan through the leaflets left at your mailbox to shop and compare.

It is not necessary to eat steak and potatoes every night. Ask Granma how she stretched the big pot of pea soup (with the Easter ham bone) and two loaves of oven baked bread between her family of six. Or Mom how she made two pounds of pasta (she got on sale) with sauce feed ten. There are a zillion low cost meals and recipes available and many are more delicious than filet mignon.

Fast food eating becomes a habit and is costly. Many times half the food ordered is left on the table uneaten. Break the habit and try to prepare less expensive but nutritional foods at home.

Department stores push seasonal sales throughout the year as well as appliances as new models with innovative ideas will appear shortly. Don't buy spontaneously. Read the newspapers and scan the internet for the best offers. It is not necessary to have the newest model in the latest color. Save big bucks by buying the clearance model but be sure to get your guarantees, etc.

Cars/Gasoline

The car, be it the family sedan or the mod single convertible, is a great possession. But in today's world, it has become one of the most money-eating necessities. When possible, plan your ride economically. Set down your chores in order of destination that is, line up your stops in an order so that you're not driving back and forth using too much gas. Go one way on one day stopping at all stores in one direction and go the other way on another day when you have accumulated chores in that direction. Don't use precious gas sitting in heavy traffic at lights on a Saturday or Sunday if it's not necessary. Drive on "off hours" on weekdays.

Shop around for car insurance. The insurance companies, like all other businesses, compete for your business. Find the best rates for your needs.

Credit Cards

Check out your cards. Yes, "cards" plural. Most people have more than one and some have as many as they can get. Look at the interest rates not only for the amount you charge, but also for the amount of cash you withdraw. And how about those "late fees". The original credit card was established for the ladies of the wealthy gentry. Today, while it is a most convenient way of shopping, no cash required in the store, it has become a pitfall with some actually addicted. Be sure not to go beyond your means, beyond the ability to pay for the items charged or the cash withdrawn. The only way to manage them is to make a payment above the amount shown due. To pay only the amount shown due means that the interest shown charged will be added to the balance and then you are paying interest on that interest! So, it amounts to "two steps forward and three back." Stay within your buying power. [If you only net $2,000 a month income, it is unrealistic to imagine that you can pay out $2,500.] If you find yourself being overwhelmed and out of control buying on credit, do not hesitate to cut up the card(s) and make every effort to pay down the balance(s). You'll find you will not only feel better for having no debt but you'll also sleep better at night.

Clothing-Apparel

Designer jeans - unheard of in the '40s. Little LuLu wore her older sister's dress when her older sister grew out of it and Brother Bobby wore his older brother's shirts and sweaters even with elbows darned. These clothes were washed and starched until the flowers and stripes were almost worn out of them but they weren't charged on any credit card and Momma an' Poppa didn't owe anyone anything for them. [An' more important, the kids never knew the difference!] The difference was the family lived within its means. Economical, yes, because of necessity and because of pride.

Likewise, it is impossible to keep up with the ever-changing appurtenances related to computers and cell phones and the cyberspace age. Keeping up because of a status situation can be severely damaging to the earning capacity of a family. The expectations of any member must be curtailed graciously with understanding in order to maintain financial stability. It is only natural to want to give as much as possible but it must be within reason.

Health/Cosmetics

"Hazardous to your health" appears on cigarette (and other tobacco products) today. The packaging might also add, "Hazardous to your pocketbook as well." Cut back on smoking to aid your health. Cut back also to aid your savings.

Have you checked out your toiletries lately? A quick look will produce a waste basket full in no time. A further review will provide a list of what NOT to buy as it is a waste. An immediate reduction can be made of the purchase of numerous bottles of aspirin, tubes of cream and all sorts of liniments and body curing remedies at enormous savings can be made. Purchase only what you need when you need it and then, compare shopping again.

CHANGE IS DIFFICULT

Most people fall into a habit or pattern both of which are very difficult to break or change. But today, with the constant pressure of rising prices but no rise in income, it is imperative to take heed and learn how to manage your finances. The burden of debt is a heavy one and not easily discarded. Above all, don't be embarrassed or feel uneasy to acknowledge that you cannot participate in certain costly events. An overhaul is urgently needed if you are in or nearing a financial crisis. Cautiously use judgment to avoid more embarrassing debt collections by taking steps to save money in whatever manner possible.

Once a new pattern is established with care and consideration it will become as easy to follow as the old one but definitely more advantageous to you. The little time and effort taken will prove to be a huge saving in many more ways than one.

Cowbella's Cue: The little cents you save here an' there now ... will add up to be a big dollar difference later. Once you're underway an' you can see savings accumulate you can begin to think of the future and how it will help when you reach the age of retirement, the "Golden Years".

Make a Decent Passive Income on the Internet

Are you one of those people that has always had a goal to make an online income, but you are just not quite sure how to do it? Would you like the inside secrets to making a passive income online? Here are my top 4 passive income secrets.

Passive income Secret #1 - Article marketing for SEO

You can use articles, like this one, with Google AdSense in order to create an income. All you have to do is post this article or any other free to use articles on a website with the author bio intact. Make sure not to change a thing about the article so that you don't infringe on copyright laws. Then, copy and paste the Google AdSense for content codes onto the site and watch the money come in.

Passive income Secret #2 - Use affiliate programs to make money

Affiliate programs are one of the easiest ways to make money on the internet. You will be able to make a commission every time you make a sale and you don't even have to spend any money on marketing. There are plenty of free marketing methods that you can use to promote affiliate programs. Did I mention that most of them are free to join?

Passive income Secret #3 - Sell products on eBay

This is a little harder and has a little more overhead than affiliate programs, but there is a way to eliminate some of the overhead. You can sell e books on eBay and make a nice income. All you have to do is purchase e books with resale rights and list them for sale on eBay. This will allow you to keep a new set of products at all times and make money off of someone else's work.

Passive income Secret #4 - Refer people to gambling sites

Gambling sites like online poker and casinos will pay you a commission on all the money that your referrals deposit and spend. This is a great way to build a lasting income. With just a few players you can earn hundreds a month.

You see, my entire collection of articles and most of other authors' articles are optimized for specific keywords, which will allow you to get a lot of traffic. Each time someone visits your site and clicks on a Google AdSense ad you make a commission for the click. Sometimes you can make over $10 a click.

Free content sites are designed for you to be able to use the articles so help yourself. We write them for you as much as we to for ourselves. You just cannot change anything and you have to leave the entire author bio box or resource box intact. Also make sure you make the links work so you are not in violation of any copyright laws.

The BIGGEST Wealth Secret That Anyone Can Ever Tell You

Wealth secrets. I don't know about you but every time I see words like that in the title of something then I just have to have a look. You see, if there ARE any secrets I want to know about them. So I keep my eye out and my mind open. I read everything I can about making money. So, I have seen a fair few so-called "wealth secrets" in my time.

As far as I am concerned the best "secret" that I have seen is passive income. This is the income that just keeps flowing to you day in and day out without you having to do anything for it. I think it must be a wealth secret because I don't know too many people who are taking advantage of it.

Passive income can come in the form of franchise fees, commissions, investments, royalties, capital growth, shares, property and trusts. Basically, passive income is anything that will allow income to flow to you while you do something else. That "something else" can be working your normal job hours or even sleeping. You see, a passive income stream doesn't rely on what YOU are doing while IT is working.

I often call passive income wealth by stealth. That makes me laugh. I see this image of getting wealthy by being sneaky. But there is nothing sneaky about it.

Passive income is merely the clever person's way of accumulating money.

Who ever made the law that says you have to work hard for money? That is what poor people do. They trade an hour of their time for $10 or $20 or $30. How can you ever get rich doing that? Eventually you run out of hours in the day to trade. Active income is limited by the hours in a day. Passive income doesn't rely on any number of hours in any day.

If you want to take advantage of the BIGGEST wealth "secret" then, in my opinion, there is no better way to accumulate wealth than passive income.

Are You Ready to Buy Dot Com Income Secrets?

Like many other internet marketing products launched of late, Dot Com Income Secrets received a considerable amount of fanfare before it was ever made available to the public. Jerry Moore managed to generate enough traffic for Dot Com Income Secrets that the site was ranked in Alexa's top 100,000 sites before the product itself was even available.

If you've read the sales page at Dot Com Income Secrets, you probably have your doubts as to whether or not you should buy the hype. I think the hype is worth considering for a few reasons:



I signed up for the pre-launch newsletter. Jerry Moore provided value. He gave real tips and shared meaningful information.
The site is professional, clean, and easy to follow. For me at least, that helps me to feel like there's a chance that there's some substance behind the product.
The claims seem reasonable. Jerry isn't claiming that you'll buy his program and make a fortune immediately. Better than that, Jerry claims he's sharing the step by step method that he has personally used. Based on point #1, the pre-launch communications from Jerry, I believe that's what we're getting.
Dot Com Income Secrets claims to be a "proven, fool proof system" that can help you make a full-time income with only a few hours of work per day. The product is so new that I have not had a chance to fully test it, so I can't say that I endorse the product yet. But Jerry Moore seems to be a straight forward type who is being honest. If that's the case, Dot Com Income Secrets seems to be a great product.

Secrets to Making Money - How to Make Money Like a Rockstar and Get Paid Over and Over Again

Have you ever wondered what the secrets to making money are, and how some people seem to make tons and tons of it?

If so you're surely not alone. It's a common curiosity for many, but for others it's a desire to make that same money.

I'm Going to Tell You the Secrets to Making Money Like a Rockstar

There's something that rockstars, authors, song writers, etc. do to earn money that makes them extremely successful.

It's basically the opposite of how you probably make money now. If you're working a job, or if you work on one time commissions, then you're not making money like a rock star. So what's their secret?

It's called RESIDUAL INCOME!

That's the kind of income that rock stars make. It's basically like this...

They make music. They write songs. They record those songs. And then every time a CD or a single sells, they get a portion of that sell, over and over again. They get paid over and over again for doing an activity one time. That's residual income, the money keeps pouring in over and over again.

Ever wonder how these one-hit wonders can still be living on the income from one song way back in the 80's? Residual income!

There's another element to that residual income though that can't be forgotten. It's the fact that it's PASSIVE residual income. That's the part that means that they do the task once and get paid over and over for it.

Secrets to Making Money If You're Not a Rockstar

Ok...so now you're probably thinking that this info is not applicable to YOU because...well...you're not a rock star. Well guess what...either am I!

But I, and a ton of other people earn passive residual income. How? Not by writing songs, not by writing books, but through having a home business with a network marketing company.

Right now, network marketing is the one greatest way for the normal person to create the type of income that rock stars have. Network marketing is one of the only ways that YOU can start from wherever you are RIGHT NOW, and start earning an income that could go on passively for the rest of your life.

Besides that, having your own home business, being your own boss, and having no income ceiling...being able to make as much as you can make...is a great way to live life.

To do it earning passive residual income for the rest of your life equals an exceptional life. That's one of the secrets to making money that you don't want to ignore.

Secret Forex Income Review - Is Secret Forex Income a Scam?

Do you want to read a Secret Forex Income review? This brand new trading system is apparently able to generate huge amounts of profits from the Forex market. I decided to find out more about this trading system by purchasing and testing it. So does this Forex trading system really work or is it just another useless currency system?

1. What Is The Secret Forex Income System All About?

After testing this system's rules on a new demo account, I have found out that it is mainly a system that trades with the trends in the market. Data input required for the system is found by doing analysis on the currency pair price charts. Based on the rules and mathematical system of Secret Forex Income, you will know exactly when it is the right time to trade the price breakouts.

2. How Does The Secret Forex Income System Work?

There are a few simple steps of analysis that you need to do every day if you want to use this system. They will take you approximately 15 to 30 minutes per day.

Firstly, you will learn how to identify the right opportunities to trade. This includes finding trends and their support and resistance levels in order to trade your breakout. Generally, a price level that has been tested many times before will have a much better chance of successfully breaking out.

Next, you will use the Secret Forex Income rules to help you confirm the breakout. Once the breakout has been confirmed, you will then execute your trade according to the direction of the breakout. The amount of lots that you are encouraged to buy for every trade is directly related to the amount of starting capital that you have.

The Wealthy's "Secret" Knowledge - Part 2

As stated in part 1 of The Wealthy's "Secret" Knowledge, the Wealthy are really no different than anyone else when it comes to building wealth (and keeping it). The only real difference between Wealthy individuals and those who are not, is that the Wealthy acquired the necessary knowledge and skill sets needed to build wealth and keep it.

The Wealthy have acquired the:


Ability to transform debt into wealth.
Ability to create wealth by recognizing opportunities to serve multiple people.
Ability to transform multiple residual streams of income into passive income streams.
Ability to build wealth by recognizing and utilizing established systems to achieve goals of wealth creation in the shortest time possible.
Ability to truly see themselves as wealth creators and worthy of being wealthy.


In part 1 we went into the first two skill sets of the five just mentioned - now lets take a closer look at the remaining three skill sets the Wealthy use to obtain their wealth.

The Wealthy have developed the knowledge and skills necessary to create multiple streams of passive income

One of the fastest ways to develop wealth is to acquire the skills of creating multiple assets that will in turn generate multiple streams of passive income. Most wealthy individuals use this technique to leverage their time and create sources of income that are relatively easy to manage once the asset has been developed.

People who are paid through a salary or hourly wage create what is termed earned income. Wealth building through earned income can be very limiting due the time/work leverage factor. Even highly paid professionals are limited in their earning capacity due to the amount of time available to work each day.

One other advantage of creating passive income is the huge tax savings that can be created by developing income in this manner. With earned income, taxes are generally taken out before the paycheck is received - and the amount taken out is generally determined by the government.

The wealthy, on the other hand, use government sanctioned tax sheltered vehicles to achieve passive income with very small or sometimes no tax consequences. Two important vehicles of the wealthy use to achieve low/no tax passive income is through incorporating businesses, and through real estate investing.

Through the use of established systems (and those they create), the Wealthy find ways to work more efficiently - allowing more time to develop other assets - and to enjoy the "fruits of their labors"

The wealthy place a very high value on their time, and therefore are always looking for ways to leverage their time and still find ways to increase their income levels. In essence, the wealthy learn how to "work smarter not harder". The wealthy continually increase their earning potential by creating more assets and/or incorporating established systems to help make their assets more valuable.

As stated earlier, the wealthy increase the value of their assets by incorporating established systems to operate their businesses or investments more efficiently and therefore more profitably. The wealthy also recognize the advantage of joint ventures and networking and many times use these two methods to expand their market and make their asset more valuable.

Once again, the wealthy place a very high value on their time, and therefore are constantly looking for more efficient ways to run their businesses and get the greatest returns on investments.

Through the development of a "Wealthy Mindset", the Wealthy have greatly enhanced their ability to build wealth and keep it

Along with acquiring the very important skills just mentioned, a large reason individuals become wealthy is because they have developed a different mindset than the average person.

Those who have developed this "Wealthy Mindset" realize that there is an abundance of wealth available, and developing wealth is really only a matter of finding opportunities to serve others -then learning the skills necessary to carry out their visions.

The truly wealthy have long realized that your wealth is developed in the mind first through vision, and only after thoroughly visualizing what they wish to accomplish, do the wealthy begin to apply the actions necessary to accomplish their goals.

Those who develop this "Wealthy Mindset" also feel that they deserve to be wealthy. The wealthy in fact, feel that everyone deserves to be wealthy, and that everyone has the potential to achieve enormous wealth as well.

While this assumption that everyone has potential to become wealthy would on the surface to appear obvious, the reality is that many do not truly feel this way inside. A lot of people truly feel inside that individuals who obtain wealth have special gifts and talents.

The truth is that everyone has special gifts and talents that can be used to create wealth, and the only real difference between a majority of the population and the wealthy is that the wealthy have developed a "Wealthy Mindset" - and used their available time to develop the knowledge necessary to acquire and build assets.

We all have the capacity to become Financially Free!

As stated earlier, while most people find it difficult to reduce their debt and acquire wealth, there are individuals who have discovered the "Secrets of Wealth Building".

Are these Wealth Building "Secrets" available to everyone? Absolutely!

By now, it should be obvious that there really are no "Secrets" to Building Wealth. True wealth is obtainable by anyone willing to work on changing their thoughts on wealth, and through the study of wealth building fundamentals and techniques such as those just discussed in parts 1 &amp; 2 of The Wealthy's "Secret" Knowledge series.

Quick Proven Automatic Path to Sure Fire Online Passive Income

Looking for a quick, proven, automatic path to sure fire online passive income? Welcome on board to this train that will lead you to your dreamland without regret. Just as you already know, money is one of the vital needs of man to satisfy his needs, make him comfortable, feed his family and make his wife proud. Because of the insatiable desires of man, environmental factors, religious commitments ,social status and the natural desire to excel, it is soon realized that one source of income is not enough to meet his numerous want.

Working for money is real hard work. Money is a ruthless master but at the same time an obedient servant. You have to make a choice someday and somehow whether money should be your master or slave. Money is the master of the poor man but yet a slave to the rich man. Learning to acquire simple ways of making money your slave becomes a necessity.

The internet provides you with the leverage you need to make extra income at your leisure even from your bedroom or kitchen. You do not need huge capital to start. You are your own boss. You employ yourself. You are absolutely in charge. You have no need of employees neither do you need to spend a dime as overhead cost.

This manual in your hand is my own way of helping you to get started on how to really make money on the internet.

Revealed! 2 Greatest Proven, Automatic Sure Fire Money Making Secrets That Sucks In Cash Into Your Pocket Non -Stop Like A Vacuum Cleaner Anything called secret is known to very few people but always hidden to the majority. There are many people who do business on the internet without having the joy of making a dime. They design professional websites and leave it on the cyberspace to mark time expecting money to start flowing into their bank accounts. No way! It does not happen just like that. I will reveal to you the greatest secret of making money on the internet.

Money Making Secret 1 Learn How To Successfully Market Your Products

This it the bottom line. No matter how good your product is, if people do not know about it , you cannot make any money from it. Do you get that? Marketing your products or other people's product is the best kept secret of the proven, automatic sure fire path to passive income online. Don't worry. I will lead you by the hands to knowing the simple tricks of marketing products to the global community. The internet has given you the leverage. You will learn why people buy anything you can think of. People do not buy your products because of its features or how magnificent it is. The very reason why people buy is buried in human nature. You can check out these human desires for better understanding of the point I am driving home:

- The Desire To Be In Good Health

- The Desire To Be Financially Free

- The Desire To Make Money From Home

- The Desire To Be Successful

- The Desire To Look Beautiful

- The Desire For Sound Education

- The Desire For Effective Time Management

- The Desire To Own A Home

- The Desire To Be Profitably Employed

- The Desire To Invest For The Future

- The Desire To Own A Business

- To Desire To Raise Capital

- The Desire To Make It In Life

The list is endless. What do you think about before buying anything? You first determine if the product will meet your need. You ask yourself what is in it for me? Just as you feel about what you will gain or benefit from what you buy, so also do other people.

Money Making Secret 2: Take Action That is the magic wand. It is the fuel that will power your business engine. As simple as action is, it makes the difference. Here a little, there a little, is the secret of making things happen. Nothing moves until it is pushed. You need to take action on what you will learn in this manual. Never wait until you have everything ready. It does not happen that way. As you take simple, baby steps one at a time, you will discover more secrets to making real money online.

The Insider Secrets To Making Money Online For you to start making money online since that is the ultimate goal, even from home, you need just 3 things. There are different ways to go about it and I will reveal everything to you. You can make your choice whether to go as a pro or as an amateur. Each of the process you finally choose will teach you one or more tricks of the trade.

Insider Secret 1 This is highly recommended for a beginner. Some internet experts have been doing business online for years. They have made mind blowing profits from the internet and had also learnt a lot during those years. They have made mistakes from which they had learnt life- time secrets of success. They had also carried out several surveys and market research on their customer's needs and how to meet those needs. Based on their experience, they had created a solid system for any dummy to start making money on the internet instantly without stress. The system they created is however not for every Dick and Harry. It is for their members only. They make the money-making system available to their members and provide them with necessary tools to succeed.

Join A Private Membership Site

Insider Secret 2: Rent A List When you think of making money online, you surely think of people to sell to. No service, no money. The amount of money you make will depend on the number of people who buy from you.

Some merchants online have ready customers you can sell to. They will give you the opportunity to sell your products to their customers for a fee. This system works. It will save you time and effort. You will not need to start looking for fresh customers. Just pay for the list and market your product to them.

Insider Secret 3: Get A Resale Right/Sign up For Affiliate Products This is a very simple way to start making instant cash online because you will be leveraging on an already established product with a large customer base. You will not border to create your own product. Just get the permission of the owner of a high selling product to market it. The situation is a win-win scenario. While you become an instant moneymaker online, the author of the product gets the privilege of his product being sold to a larger market. You can make 100% profit or more using this method.

Some merchants will allow you to promote their products and earn commission from it. That is what affiliate marketing is all about. The commission depends on the product type and merchant giving you the opportunity to sell the product.

Yeah. The secrets I revealed to you above are for amateurs who want to use what others created to make money online for themselves.

Hidden Secrets For Making Money Online The Pros Way Fortune creators online act the professional way. They want to be in total control of their online business. They want to determine how much they earn at any given time. They want to find their own customers from scratch and grow their customer base over time. They want to acquire the skills that will empower them to be more useful to their clients.

What they do to make mind blowing profits online is what I want to reveal to you now.

The Professional Way Of Making Money Online

(1) Create Your Own Website: Creating your own website is not as difficult as you may think. Just like building a house, once you lay a solid foundation, the house will stand. You can use Microsoft Front Page to design your own website. When you open the program, a blank web page will appear on your screen with tools to help you design your website. Click on 'file' then 'new' then 'new web'. A dialogue box will appear prompting you to save the file. Save it in ' my documents/my website/a name you choose for the website e.g. online profits. In the same dialogue box you will find options on the type of website you want to create. Just select ' a one page website'. That is it. Once you perfect the art of designing a single page, you can go ahead to add more pages later

(2) Build Your Opt-In Email List This is your internet cash machine. You will need to get people who are hungry for your offer or the service you want to render. You can identify those group of people by placing a compelling, crowd pulling classified advert. For example, what got you into reading this manual is your attraction to the title crafted by the author. That is to say, you are interested in making money online from home. If you write a powerful and attention grabbing adcopy, people will join your list in droves. They will give you their email address and contact information in exchange for the information you promised them. Once they get acquainted with you, they will never accuse you of sending unsolicited mails to them. If you have 10,000 people in your database and create a product they demand for worth $20 each and 1000 out that number buy the product, how much do you think you can make from a single sale? The answer is $20,000. You can double or triple that figure as more people join your list. It will be easier for you to sell another product to them again and again in the future. Think about how much you can make as long as you keep those customers.

(3) Create Your Own Product The product you want to sell could be anything like E-Books, CDs, Seminar etc which must add value to people's lives. Having your own product is the quickest way to making fortune online. You can create an information product based on the need of the people in your list. Listen to questions they are asking. Find a means of providing solutions to those problems. Package the information in form of an E-Book and sell it to them. They will be ever grateful to you for making such information available to them. Just revealed to you is the quick, proven, automatic sure fire path to earning passive income online.

What next should you do to really make money online from home? Just go ahead and apply what you have learnt in this write up. You will be surprised how soon you will start making money. Don't fold your hands doing nothing. Take action Now.

To Your Success

Benard Solomon