Why Most People Will Never Ever Get Rich - 2009 Tips and Solutions - Hurrah?

The majority of people want to get rich, but reality is, not many people want to work like no one else.Many also want to be healthier, feel stronger and improve their looks.However, in regards to health less than 5% of Americans have a strong nutrition plan to be healthy and many people just do not exercise on a weekly basis to support their goals and ultimate dreams.

The easy and instant mentality have two forms of results for almost everybody that goes into their goals with such mind programming.They start their personal or business goals enthusiastically, they work for a little while,usually around a couple of months, and then if there are not any visible or formidable results in the first couple of weeks or at the end of the 3rd month, the enthusiasm drops drastically and then quitting becomes one of the easiest vague responses in an average mind.

Later what follows in this type of programming might likely be affirmations of long lasting effects that what you are trying to do, is either impossible to do or just not for you.While english is not my primary language the perfect word for such affirmations is: Baloney!In order to reach such conclusion anyone with this kind of mindset needs to waste all available mind resources.That means, there cannot be more possible solutions to a problem that you have not tried.

Phrases like the following are usually regular in such confused notions: this just does not work for me the majority of gurus are greedy, they only want half of your savings so they can keep up with the Joneses, or the classic that is impossible are common mind affirmations when clutter hits the average case-to-case scenario on why XY financial opportunity or goal was not a success.

While the second might have bits of truth; especially if you have been to Atlanta quite enough times, spend enough time in seminars here at P.R or had already shake hands with people in seminars worldwide were capitalism perseveres, the only person that has control of your actions and most importantly your thinking is still you.

I would have to say it again and repeat it each and every other year slowly with some added golden nuggets of old experiences: you are responsible for the way you live and for what you have become.It might not be what you have thought, however, great thing about it as long as you are alive you very likely have enough times to achieve unmet goals.

One of the case-to-case scenarios that hits me like a ton of bricks is popular Whitney and ex-husband Bobby.People hate the Bobby I know because the majority of people says Bobby is to blame over Whitneys meltdown over what was once, a wildly successful career in multiple industries.

Countless of times I have heard that Bobby was and still is a crackhead, but almost no one in the majority of circumstances is forced to induce their nose with the latest magical powder from Colombia when it comes to a marriage.Apparently for this couple, magical marriage was not in any type of sense.But the only one to blame and responsible for pimping her nose was Miss.Whitney.Bobby was just an influence!

For this case as I rewind my news, Whitney never complained of Bobby forcing her to become a crackhead!Curiosity, instant delusional thoughts and probably reckless adventure got her pinned.If she happened to be privilege enough to live in the land of the free as many of us happily exclaim, she had choices to make in order to keep with what was once, an eloquent career.

Similar treatment but same concept in decision making, action and choices goes to whoever wants to get rich or richer.You follow the mind set of rich people, you learn the steps of those successful, you execute them in your own way, and later on when you already achieved your own personal freedom, you create innovative and authentic solutions to any in-demand market.

The steps sound easy and even simple, but the change is not.But you or anyone that wants positive things, whether financially or in general family perspective purposes, need to either make the correct decisions based on the choices readily available.We are all responsible for our career, not even romantic Mr.Obama can make the most important decisions for you.The results of those choices will then be the feedback we get out of our initial selections.

Personal or business wise, we all hold the key to the success we want from the choices we make.While it would all depend on our personal definition on what success really is for you and me, you choose your own journey and your own commitments independently of external circumstances.

From the work we decide to do, how we invest our time after working on priority schedules and tasks, to the spouse me and you decide to permanently have.They will all have an impact on your results, but we all have control over the great majority of the decisions that always return us either positive results or negative outcomes.

Your decisions and commitments would also be great influences to your life overall satisfaction.You either become sufficiently educated in order to make the right decisions or, you let others make decisions for you and dictate your results for whatever the time maybe.Reminding you of Whitney, she still let Bobby make her decisions for her.But we all need to remember that Bobby was just a sacred influence.But, still an influence no matter how good or bad it ended up being.

What is then the single biggest obstacle that prevent people from becoming rich?It all sums up to attitude and choices.Those are two golden treasures that many keep looking up in $1,000 dollar courses and workshops across America.

While some of us need adjustments, others need total makeovers.Definitely understandable.But before you invest a fortune in courses, if you happen to need the pricey self-help items, these suggestions and reminders might very likely assist you in reminding you of having total control and making good choices that no one should ever make for you if you definitely consider to be in a healthy state of mind.

Why all these paragraphs about attitude, some online and local gurus keeping up with the Joneses, Whitney the crackhead or remind you of perhaps someone you perhaps know?My suggestion will be to take a big look around at your surroundings.Chances are that if you are not the single hermit from Park Avenue, you know what I am talking about.

Last thing I saw was a 34 years old Barber confirming with excitement the 528 BMW he bought parked in front of the sidewalk and still living with mom and dad!Surely is not a crime, that is good taste in a given sense, however, it just does not fit my profile and probably for you neither if he does not have other income sources.With such being said; be very careful on your decisions, who you listen to and who you hang around with for suggestions about financial success and making the right choices in business or in your personal life.

Having taken myself my share of experiences and seeing a lot since the age of 17 up to now, these reminders and tips should hopefully serve you as reminders.Be sure to select any of the hundreds of additional articles in my name and the ones from other entrepreneurs on such delicate subjects and learn from them.Keep doing your due-diligence on the internet, there are opportunities that you may not even imagine!

About the Author

Finding a wholesale List is one of the business components Joaquin serves as reference source, e-commerce coach and certified author.

His focus today is assisting people receive extra income through the acquirement of in-demand wholesale Video Games.

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More Worries For Buy-To-Let Tenants As Landlords Default On Mortgage Repayments

Landlords are finding it tough and the last few months have seen 50 per cent more struggling with mortgages.Many people cannot buy at present and renting is popular again but anyone renting must be sure that their landlord is not having problems.

One couple, Chris and Siobhan Taylor, agreed to rent and paid 48,000 pounds, up-front, for a five-bedroom house in Loughton, Essex.By doing this they got a 6,000 pound discount but a few months down the line they learn that their landlord is behind on his mortgage repayments by tens of thousands of pounds.
Siobhan said, 'We are feeling very vulnerable.We had no idea when we rented the property that this could happen.We just assumed that everything was OK.We face losing all our money and our deposit, or having to go to court, should the lender want to repossess during our one-year tenancy.'

Unfortunately, the Taylors' have found the huge hole in the legislation protecting tenants.

When you pay rent above 25,000 pounds you have to sign a standard tenancy contract, not an assured shorthold tenancy contract; this would have protected them more in this case.

The deposit they paid of 7,850 pounds will have been given to the landlord directly and not to a third party as is recommended under the Tenancy Deposit Protection Scheme, so is gone and the same applies to anyone sharing a house or a flat and paying over 2,083 pounds monthly, if the lease is in joint names.

Head of operations at the Association of Residential Lettings Agents (ARLA), Ian Potter, says, 'The whole subject of the private rented sector is under review in a Housing Green Paper.It is acknowledged that the current system is not satisfactory.'

The problem is, there are no regulations for letting agents.

Members of ARLA do have to follow their codes of conduct but this does not include ensuring that a landlord has informed his lender that he is renting the property and produce proof that they have, it simply says that they must inform them.Therein, is a loop hole that prevents the letting agent from being deemed negligent.

Sue Anderson, from the Council of Mortgage Lenders, advises, 'A bank or building society will eventually send a letter to "the occupier" of a property.We advise tenants to open any letter addressed this way.The letter will give them a minimum of 14 days' notice of any court hearing to repossess the house.

'If the court does repossess, they will have a further minimum 28 days before the lender takes possession.As soon as a tenant realises there is a problem, they should get advice from Citizens' Advice or a solicitor, and make contact with their landlord's lender.'

If a property is to be let, the lender, once they know, will usually switch the existing loan to a 'buy-to-let' mortgage.

'If you have paid all the rent up front, then if the house is repossessed you need to put in a claim against the landlord for the outstanding rent and deposit.This would be paid out of any surplus once the property is sold.' says Mario Economides, at solicitors Lorrells Georgiou Nicholas LLP.

'Tenants falling outside the assured shorthold tenancy rules should insist that the landlord has his lender's consent and that any deposit is paid into an escrow account held by a solicitor or the letting agent'.

'I would not advise clients to pay rent up front as a year is a long time and you don't know what will happen.'

About the Author

Interested in getting a quote on Mortgage insurance?

Please Visit Understand-Mortgages for more information and other resources.Our sister site Brokers Online offers cutting edge articles and information about Mortgage Insurance and other financial products.

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What Types Of Items Is A Person Not Allowed To Ship?

People ship items all over the world, retail and specialty stores now have the ability to take orders over the phone or online and ship their wares worldwide.There are some things that can't be shipped via one of the common carriers, many are common sense, but a few may come as a surprise.

Anything considered Toxic or Infectious

This encompasses a pretty wide array of chemicals and fluids including poisons, bodily fluids, pesticides and noxious gasses.

The reasons behind not being able to ship these items is fairly obvious - having any contact with any of them can cause physical illness or in some cases death.No shipping company is willing to put the lives or health of their employees at risk by allowing the shipment of toxic materials.

Explosives or Volatile Materials

No carrier would be any more willing to handle explosives than they would toxic materials.

This can include simple fireworks and gun ammunition, flares, dynamite, hand grenades, etc.Explosives can do just that explode, which depending upon the strength, can do serious damage to all people and property within close proximity to the area causing injury or even death.Even if the package doesn't explode, many of the chemicals involved in manufacturing explosive are caustic and if they come in contact with the skin or are breathed in can cause a myriad of health problems.

Corrosive Agents

Acids, some cleaners, lye, bleach, drain cleaners, etc.

Any and all of these agents can do damage if touched, breathed in or ingested.If not properly packaged many corrosives can eat their way right through the outer layers of the packing material and cause injury to anyone or anything that they come in contact with.

Illegal Drugs

This should be a no-brainer really, illegal drugs are, as the name implies, illegal to possess, use and ship.

Many people have tried and gotten away with shipping illegal drugs in one fashion or another, whether it was hidden inside something inside the package or just simply slipped through the cracks, but attempting to ship illegal drugs is certainly a very bad idea.If you attempt to ship illegal drugs and you get caught, there will be very serious consequences most likely including a long stay in the penitentiary.

Body Parts or Human Remains

Human remains do not keep well, which makes them a less than wonderful candidate for common carrier shipping.

Remains are similar to any other meat and will begin to decompose rapidly outside of a refrigerated setting, so if a loved one passes away while on a trip out of state, don't think that you'll be able to use the USPS to send them back home for a proper burial.

Cold Hard Cash

You can't ship money through the mail or any other type of courier for the simple reason that it's impossible to accurately insure.

If the postal service allowed you to ship and insure cash every scam artist under the sun would be insuring empty packages for one thousand, ten thousand or one million dollars and say that the package was loaded with crisp one hundred dollar bills and expecting that the carrier hand them the money when the package turned up missing.

Any Accelerant or Flammable Material

You can't ship gasoline, kerosene, turpentine, paint strippers or other types of solvents.

Any of these chemicals are quick to ignite in the presence of extreme heat or open flame.Having them travel on a rough road in the back of a one hundred and fifty degree enclosed trailer is most certainly a recipe for disaster, as is throwing it around in a one hundred and fifty degree warehouse.If these chemicals do catch fire, the fire will spread quickly and could be very difficult to put out, possibly causing innumerable injuries and quite a bit of property damage.

Individual common carriers and freight companies may have a list of additional items that they refuse to ship, including prescription drugs, certain medical supplies, some food stuffs and many types of weapons.So if you are considering shipping an item and are unclear as to whether or not there would be cause for concern with that item, it's best to contact the carrier you plan on using to find out for sure.

About the Author

Courier Delivery Service Company offering a wide variety of services across North America.

From overnight shipping, freight delivery, or shipping domestic or internationally.Visit us in one of our office at Shipping Toronto.

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Text Messaging Provides A Burst of Marketing Opportunities

Short Message Service (SMS) is the mechanism behind text messaging for mobile phones.This globally accepted wireless service enables the transmission of alphanumeric and small non-text messages to and from mobile devices as well as fixed-base and wireless sources and destinations.

An SMS message is transmitted using short bursts of data that require very low bandwidth.Nearly all cell phones in use in the US today, some 255 million of them, can receive text messages.

Since alphanumeric messaging capability is now standard in all mobile handsets, text-based messages are the most popular type of SMS communications.A single SMS text message can be up to 160 characters in length.These 160 characters can be any combination of words, numbers or symbols that can be based on a textphonic language which allows fewer keystrokes.

SMS offers a variety of marketing applications, from mobile coupons, text alerts, viral promotions, mobile broadcasts, bounce ads, free tickets, etc.Its low-cost, high-penetration and high-retention offers a wealth of marketing opportunities to businesses, fundraising groups, institutions, political organizations, and much more.

There are a variety of applications for using Text Messaging for Business.Here are some examples:

TV-Stimulated Voting.

American Idol and Star Search are two examples of interactive TV programs that use SMS to engage viewers and solicit votes to select winners of their shows.

Real Estate Alerts.Customers can subscribe to a service that sends alerts when new properties get listed in their desired market/category.

Mobile Auction.Information on new products offered for auction is sent as SMS to mobile customers who are able to bid using their phone.

Interactive TV.For a small fee, viewers can send their SMS messages (greetings, comments, etc.) to a TV program and have their messages scroll on the screen and be viewed by the public.

Ticket Sales.Customers can buy airline tickets via their mobile handsets.The ticket is issued in the form of an SMS message which the customer presents with their phone when they check in.Also works for theatre tickets, sports events, etc.

Instant Sales Campaign.Retailers send customers instant sales messages valid only for a specified period.Customers who respond within the allotted time (usually 2 to 3 hours) get a percentage discount on the products featured in the message.

A New Language
Because common words take up a lot of space, a new textphonic language has emerged in an attempt to say as much as possible with the least number of characters.
But first, a word of caution.If you intend to use these words, keep in mind that although quite helpful, too much abbreviation can diminish the impact of an advertising message.

Non-Text SMS
SMS is not just for text messaging.
Any information that can fit into 160 bits can be delivered by SMS.Non-text SMS messaging enables the transmission of comparatively richer messages that can contain a combination of simple melodies (ringtones) and simple graphics (black and white admoticons) to compliant devices.

Screen Coupons
A Screen Coupon is a simple, small, bitmap-based advertising message that is just a little bigger than a postage stamp, about half the size of a regular business card.
A screen coupon is an ad message with a built-in promotional value.It may offer a store discount, free gift, free admission to an event, and even include a UPC code.To redeem, a customer must simply show the coupon on their mobile phone.

About the Author

Ben Deleon is President of Brandel, an innovative publishing company specializing in design and development of software & Internet-based businesses.

Brandel offers several mobile marketing products.Visit http://www.brandelinc.com, call 954-583-9000, or email ben@brandelinc.com.

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Decreasing Electricity Costs With PrePaid Electricity Meters

Last year (2008) was a tough year for South African households.As interest rates rose 7 times, mortgage bonds killed excess cash in household budgets.Adding to the problems, petrol prices sawed making an already difficult situation even harder.

Adding to the problems South Africans were faced with "load shedding" power failures to decrease the load on the utility companies which couldn't cope anymore with the high demand on the infrastructure.

Hot on the heels of the "load shedding" debacle, South Africans received the news that Electricity Prices will have to be increased.

Depending on area, utility prices were hiked between 14% and 20% in various areas to upgrade infrastructure, once again placing additional financial pressure on households.

Utility companies have stated that increases are not flat rate but per usage.In other words, the more you use the higher tariffs you pay.For this they created prices breaks per usage.This in turn created a situation where the household has become responsible for using less electricity in order to avoid the higher bracket tariff rates.But how would a household use less, when they only find out how much they use when the bill arrives?At which point it is of course too late to turn back the clock and reduce usage.

Both households and commercial properties need the use of a system that can help them monitor consumption on an ongoing-basis during the month.Greater transparency into ongoing consumption creates greater awareness with which people can take steps to cut usage and conserve in order to reduce consumption before the bill arrives.

For this reason, many residential houses, landlords with tenants and commercial premises have started to use secondary prepaid meters.Such meters enable daily monitoring of use by way of a digital display.When one sees the usage daily, one can take action based on this input.One can replace old devices, trying new devices that are more electricity efficient, switch off lights when and where these are not necessary, etc.

Furthermore, there is no longer a need to budget for electricity usage.Once the usage is prepaid, one can reduce the usage for that budget to last longer.It helps both with budgets and especially with better cash flow in households.

Since the increases in electricity tariffs more tenants both residential and commercial are asking landlords to install secondary meters simply for monitoring purposes.Once installed a very interesting phenomena has been found.Many users of prepaid electricity meters significantly change the electricity usage habits.

Electrical heaters are replaced with cheaper heaters that use gas, geyser timers are installed.Geysers are one of the largest contributors to domestic electricity bills.Timers enable users to switch on their geyser for only a few hours in the day during periods when hot water is required.Other people are buying electricity saving light bulbs, they are far more expensive than normal light bulbs but can cut 1000's in the electricity bill for many months.

In summary, it was found that prepaid electricity was once considered a bad thing because you have to dish out the money in advance, proved to be extremely useful when reducing the use of electricity and therefore the month electricity bill.

One of the major barriers to people and commercial properties using prepaid electricity was payment habit.Why pay in advance, when you can deal with it later?However, since the increases in electricity tariffs, this barrier has been lowered.Consumers that were once unhappy about prepaying for electricity are now happy that prepaid meters have been installed.They never thought they could save so much in electricity until they started monitoring their own use.

About the Author

Sean Wheller is the founder of www.

PrePaidMeters.co.za, a PrePaid Metering provider in South Africa, dedicated to create efficiency in metering electricity and water for the benefit of both tenants and landlords.

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Top 5 Reasons Why You Can Attract Angel Investor Capital In A Recession

Today companies raise investor capital from private funding sources such as private investors, accredited investors, venture capital funds, and alternative funding sources.With all the news about the capital markets tanking, why is this still a good time to raise capital?

As the global economy evolves, interest rates shift, and competition for the best deal escalates, investors seek out opportunities in emerging industries, and niches.Investors seek ways to multiply their money.Every big "trend" where great wealth was created happened by the market makers and the early adopters of that "new" market opportunity.

So how can innovative companies attract Private Equity investments from investors in this recessive market place?The Top 5 reasons are:
1.
Sophisticated investors that haven't yet participated in angel investing have realized that ALL investment classes are risky.They think: "With the collapse of the stock market and the real estate market, might as well invest in something I know is risky but I have potential to get 4-8X more ROI!" Both new and experienced early stage investors are getting involved with Angel Investing as a way to rebuild their damaged portfolio.

2.Angel Investors already know the early stage company's value is at the bottom and should only go up.And if the company gets into trouble, they can more effectively impact the company's operations and resulting increased value than they can with a public company.The investors can help with their experience and rolodex to grow the company.

3.Market Makers are going to be looking for new places to put money and companies that can do a Direct Public Offering through the OTC BB market, with the new controls recently implemented, will be the next favored market place because it is easier to directly reach investors to create the demand for that stock.Furthermore, it provides access to follow on institutional investment capital and offers an easier exit for private investors.

4.With the advent of strong investor groups forming and investor portals designed specifically for investors to be able to identify, investigate and invest in early stage companies the way eTrade provides that access to public companies, individual investors can have a community to collaborate with on early stage companies.OurFundingPlanet is an example of how entrepreneurs and investors can connect in an online community.

5.There are 4 Sectors that investors will be looking at because companies in these areas will be part of the driving force in our economic recovery.Businesses that:

a.

Offer feel good products and entertainment, because when people are worried, they want simple pleasures that make them feel good.

b.Provide an improved efficiency to a company's operations because businesses are looking for a way looking to increase profits

c.

Deliver bio-med and life sciences innovations to the market or

d.

Provide a solution for the energy market - either as alternative energy or direct profits from carbon-fuels consumption

Besides private equity investment being available for qualified early stage companies, there are many alternative lenders flush with cash to help early stage companies finance their contracts and cash flow.

However, although we are bullish on the availability of capital, the criteria to measure the worthiness of a business to receive capital are slightly stricter.The money available is smart money.Competition for the available capital is stronger than ever.If the company isn't properly prepared or if the CEO is seeking the wrong type of capital, their efforts will be futile.Independent reviews of an entrepreneur's business plan and capitalization strategy can save CEOs time and money as they enter these capital markets, as well as, give valuable insight into what motivates investors.

Over the past six years she has developed Launch Funding Network, a rapidly growing and successful consulting practice serving entrepreneurs by connecting them with capital and resources.Further she acquired the long established Network of Business Angels & Investors, and turned it into the most active angel group in the Southeast.Through her publishing house, KYRMedia, she shares her knowledge through education of a new generation of savvy Angel Investors and wise entrepreneurs.

About the Author

"Where Qualified Investors and Capital Connect with Innovative Companies".

Network of Business Angels & Investors (http://nbai.net), and NBAI Private Equity Investor Forums."How to Pitch to Investors" free webinars at http://findinvestorcapital.com and more info at www.launchfn.com

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