The Definition of Success - Its True Meaning

It is no coincidence that you find yourself reading this article. You were obviously in search of the true definition of success or you would not have clicked the article link. Your quest to define success, led you to the usual reference sites like dictionary.com or webster.com and found their definitions read something like this - having attained wealth, status, honors or the like or having a favorable termination of an attempt or endeavor . Now take a brief moment and ask yourself these three questions, basing your answers solely on the definitions that were previously stated.

1. Do I consider myself successful?
2. Do I have all the wealth, material possessions, status, or honors I desire?
3. Has the outcome of my endeavors been favorable?

Did you answer no to one or maybe all three questions? If so, are you (even for just a moment) thinking, "I guess I'm not a success; and If I'm not a success then I must be a failure." Yep, if that's what you're thinking, then you're absolutely right, a failure you are. However, do not get discouraged, success is still attainable even for the "failures" of this world.

First things first. Stop measuring your success by the typical definitions found online and in other reference materials. If you do not, you will forever see yourself as a failure. With that said, let's take a moment to learn and digest another definition of success, probably the best you'll ever hear. This definition of success is not found on any mainstream website or in any hardback dictionary. it comes from a man by the name of Earl Nightingale. Mr. Nightingale was a motivational speaker back in the 1950s / 60s and was known as the "Dean of Personal Development." He defined success this way - "Success is the progressive realization of a worthy ideal."

Wow! That's worth reading again - "Success is the progressive realization of a worthy ideal." Let's take a moment to break that definition down so that you can truly digest the true meaning of success.

Progressive - meaning to make efforts towards continuous progress.
Realization - turning something imagined into a reality.
Worthy ideal - something that warrants great merit and excellence.

Look at it this way - Success is the continuous effort of taking something of great value that you have imagined and working toward it until it ever becomes a reality. Is not that awesome! No matter what your ideal ideal is, you are a success as long as you are making continuous efforts to turn your dream, your goals, your desires into a reality. So, do not get caught up with the fact that you have not attained it yet, just stay focused, set daily goals, and before you know it, you will attain it.

To Your Success!

Booting Linux From a Flash Drive For File Recovery

After a long time we are back to talk about some more cool tech stuff you can do with a USB flash drive. Today's topic will focus on booting the Linux OS from a USB stick. The purpose for booting Linux from a USB drive, at least the purpose of this guide, is to recover files from a broken install of the windows OS or any other OS for that matter. We can also run virus scans from the Linux distro securely without infecting other PC's or having to boot the infected PC.

What you will need:

* A USB stick anywhere from 512mb to 2GB (depending on the distro)
* A main board capable of booting from a usb device.
* and about 15 minutes plus download time.

Software to be used:

* Latest stable version of UNetbootin

Step # 1: Prepare the USB Drive

Once you have all your materials together go ahead and plug the USB drive in and backup all files you may have on the disk.

Step # 2: Installing to The USB

Start up UNetbootin and select the following:

1. Use the first radio button "Distribution". This will download and install, automatically, the distro we want.
2. Pick SystemRescueCD. We are going with this because it is easy the ntfs file system driver comes prepackaged so no additional customization is required.
3. Next select your flash drive.
NOTE: Be sure to select your flash drive and not your windows partition or primary partition, 'cause if you do then you will destroy the currently installed OS.
4. Finally click "Ok".

UNetbootin options to select are shown in an image in the source article located at the link at the bottom of this article.

Step # 3: Configuring Bios

We will need to setup your computer to boot from the USB stick. To do so first you mother board will need to support this feature and second you will need to do some configuration.

1. Reboot your computer and hit "F2 or" del "depending on your mother board to enter BIOS config.
2. Search for the section labeled boot sequence, or named similarly. This will sometimes be filed under a separate section like advanced BIOS features, or similar.
3. Move removable or USB to the top of the list. If you do not see these options listed your mother board most likely does not support USB boot. Consult Google for more info on this.
4. Reboot the computer with the drive plugged in.

Step # 4: Booting Linux

We are going to boot into command line for this guide. There are options to load a GUI for those of you who tremble in the face of CLI. I must warm you though Command Line is by far easier and faster.

1. Once your computer passes post you will see the boot loader screen. Navigate to "VMLinuz64" and hit enter.

After a bunch of OK's on the screen and most likely 1 red FAIL you will be at the prompt "root @ sysresccd / root%". This would indicate a success.

Step # 5: Copying files from a windows partition onto an external hard disk.

For this you will need an external medium on which to move your files have this ready to receive your data. You can also use the usb stick which you booted from, if of course there is enough space on it.

1. First we will need to identify our drives. I will assume you have two storage devices plugged in one being the flash drive and the other your windows hard drive. Execute the command below:

fdisk -l | less This command will show you all the storage devices on your system. Use the down and up arrows to navigate the output as it may be larger than your screen. My output for this command is shown below:
Disk / dev / sda: 160.0 GB, 16000000000 bytes 255 heads, 63 sectors / track, 19452 cylinders Units = cylinders of 16065 * 512 = 8225280 bytes Disk identifier: 0xd0f4738c Device Boot Start End Blocks Id System / dev / sda1 * 1 19451 156240126 7 HPFS / NTFS Disk / dev / sdb: 2085 MB, 2085617664 bytes 2 heads, 63 sectors / track, 32329 cylinders Units = cylinders of 126 * 512 = 64512 bytes Disk identifier: 0x00502bcd Device Boot Start End Blocks Id System / dev / sdb1 * 1 32330 2036720 6 FAT16 My device is 160GB NTFS partition. Knowing those two bits of info we can take an educated guess and say / dev / sda is our windows device.

NOTE: To exit this output screen press "q".

2. Mount the windows drive so that we can access the files on it. Run the mount command below:

mount / dev / sda / mnt / windows NOTE: you will need to replace "/ dev / sda" with your device found from the output of fdisk -l. It is likely that they will be the same.

3. Lets find out if we mounted the right device now. Run:

ls / mnt / windows This command will list the files and folders in a directory. If you see the tell program Program Files and WINDOWS directories it was successfully mounted.

4. Time to get our backup device out. Plug it in and wait a few seconds then run the fdisk command again:

fdisk -l Egypt
cat / proc / partitions You should see both devices you saw last time and now a new one should be there. Match the size of the device to yours and note the device location most likely / dev / sdc.

Mount this device to the pre-made backup folder using the mount command again:

mount / dev / sdc / mnt / backup 5. Now it is time to copy things from the old windows drive to the backup disk.

If you want to copy your entire windows drive to your back up drive run this command:

cp -R / mnt / windows / * / mnt / backup / YOUR_FOLDER_NAME If you plan on copy single files type the full file path and then the full destination path.

Additional Useful Commands:

* Sometimes a virus can infect the very first bit of code that is executed on your system the MBR (Master Boot Record). Luckily we can clean this up with relative ease in linux. Execute:

dd if = / dev / zero of = / dev / sdb bs = 512 count = 1 Remember to replace "/ dev / sdb" with your device cause if you miss and clean the wrong one you may have some issues.

* Maybe you do not have an external device to back stuff up but you have another computer with a network share. Well lets mount that network share so we can copy files to it. Create a mount point:

mkdir / mnt / network Mount the share:
mount -t smbfs // computername / folder / mnt / network -o username = user1, password = mypasshere Now you can copy and move files to the network share just like any other directory.

To mount a share without a password use:

mount -t smbfs // computername / folder / mnt / network Until Next Time.

7 Powerful Ways To Make Money From Adsense Using Only Free Tools

There is really no doubt that there are amazing incomes currently being made on Google AdSense and the really interesting thing is that even relatively small sites and blogs are finding new ways to make money from their AdSense sites every day.

Actually there are a lot of increasingly creative ways to make money and maximize on AdSense earnings that are being discovered and also being put to use every day. And what's even more fascinating is the fact that most of these tools being used do not cost anything. They are actually free. Here are 7 of the most effective currently being used.

a) Ways to make money from AdSense by distributing articles through ezine and article announcement lists

Some of the most effective methods ways to make money from AdSense clicks involve the simple step of just increasing the volume of targeted traffic to a site. One of the ways of doing this is by distributing interesting content to ezine lists and article announcement lists. It is not too difficult to quickly build a list that reaches a million or so email boxes and can so give a lot of visibility and drive tons of highly targetd traffic to your AdSense site or sites. Probably the most popular place for doing this is at Yahoo groups, but there are a few others that you can find easily by using your favorite search engine.

Success here depends on three main factors. Firstly you should be careful to join article announcement lists and ezine lists that are as relevant as possible to your subject matter and offering. Secondly your headline has to be a killer headline that will grab readers by the scruffs of their necks and force them to open your email message among the dozens or even hundreds of others they receive daily. It goes without saying that the content must meet the promise of your sensational headline. Anything less will cause annoyance and leave all those potential visitors to your AdSense site feeling cheated. And believe me, you do not want to cause this sort of reaction because it is definitely not one of the ways o make money from AdSense or any other program for that matter. Thirdly, you will need the sort of resource box in all your articles that will leave most of your readers with no option but to visit your AdSense site.

Within a very short of consistently applying this technique, my daily AdSense earnings increased seven-fold.

b) Ways to make money from AdSense by distributing free articles to high traffic article sites
Some people find the recent trends that have seen an increase in article sites surprising. I do not. The net is primarily an information-seeking tool. Anything that will help improve the search and quality of information will greatly benefit the people making that effort.

Some of the older article directories receive very high traffic, mainly from web masters and site owners seeking quality free content for their sites. So apart from the immediate exposure these sites also guarantee plenty of future targeted traffic to your site, when individuals find your articles useful enough to re-post at their sites.

The more new articles you release to these sites every week, the more targeted traffic your AdSense sites will receive. This is in fact one of the most effective ways of making money consistently from AdSense clicks. One of the reasons for this is that targeted traffic will tend to spend more time at your site or sites, and the more time they spend, the higher the chances that they will click one of the adsense ads posted there.

c) Ways to make money from AdSense by Using Articles And A Viral Marketing Website

Any online marketing technique that involves the use of referral marketing or viral marketing automatically has a huge chance of being a success. The net is ideal for viral marketing and in fact gives any viral marketer huge leverage. Viral marketing or referral marketing is one of the most effective ways to make money online. Just ask Bill Gates.

When Gates was trying to play catch up on the Internet after an earlier mistake of underestimating the future importance of the net, he launched his Hotmail free email service when rivals like Yahoo already had millions of users. He decided to use a simple referral marketing technique. Every Hotmail message that went out had a brief signature at the end requesting the recipient to sign up for their free Hotmail account. Within a few short months, Hotmail had millions of users. And there are many other amazing stories which viral marketing boasts of on the net.

There is one of the very simple ways to make money from AdSense by going viral. Sign up at a leading viral marketing site. You will automatically get your own viral site. You can then use some of your articles to point people to your viral site. The way these sites work is that anyone who signs up at your site will have to visit your AdSense site if you register it at the site. So within a very short time you will be driving thousands of visitors to your AdSense site.

Find more details on this at my blog which address you'll find in the resource box below.

Admittedly this traffic is less targeted. Still the huge potential and possible numbers you are able to receive using this tool more than makes up for this.

d) Ways to make money from AdSense with Your Email signature

People greatly underestimate the power and potential effectiveness of a simple email signature as one of the ways to make money online. Actually this is a viral marketing method because emails get forward all the time and are even copied to several other people sometimes.

Do not waste another minute. Go to all your email accounts right now and create a signature that points to your AdSense site or sites.

Writing effective email signatures is a skill that you will have to develop, but I have found that using famous quotes is more effective than a straight advertising message. Always remember that people hate to be advertised to online.

e) Ways to make money from AdSense By Asking Questions At Discussion groups

I recently had an interesting conversation with a young Internet and computer techie. He asked me if there were quick ways to make money online by answering technical questions and helping people to solve their computer and web-related problems. My answer was that there were many discussion groups where participants would get these answers for free. I advised him that he had a better chance of making money by making use of this free advice available online rather than trying to sell his own advice.

There are tons of online discussion groups where leading world experts will answer your questions and give you valuable insight for free. It is amazing why most people do not think of using these online forums to learn as much as they can about the most effective ways of making money from Adsense.

These forums can easily be found through you favorite search engine.

f) Ways to make money from AdSense By Bartering your online skills for valuable AdSense keywords

In the old days, before the invention of money, if somebody needed something, the first question they asked themselves was; "What is it that I already have that I can exchange for what I need? Barter trade seems to have been forgotten but it is a very powerful method of trading. to send them money for an item they need.

You can barter whatever it is you have, your skills, products or services, and exchange them for genuine valuable AdSense keywords. Valuable AdSense keywords are the most effective way for a small site with low traffic to earn big cash from Adsense. And you can do this barter trade on an ongoing basis so that you always have a constant supply of valuable AdSense keywords which you can use at your site or blog as one of the ways to make more money from Adsense.

g) Ways to make money from AdSense By Sending Teaser Emails

To Everybody In Your Inbox And Also To Your Opt-in Email List
Most of us receive tons of email in our inbox every day. You'll be surprised at the huge number of people you know by simply going through your email inbox. No matter how good your spam filters are, you are also bound to be receiving more than your share share of SPAM or unsolicited email. All this is "gold" lying in your email inbox and there are ways to make money using these emails. All you need to do to process the emails into pure gold is to send out "teaser emails about the most interesting aspects of content at your site. to send out teaser email on this content here is how I would construct it;

Subject: Free Tools Currently Being Used To Increase AdSense Earnings

Hello,

Just thought you might be interested in this subject, since so many people online use AdSense these days. If not please accept my sincere apologies. Details are at my site.

www. your site's address .com

Regards,
Chris.

I am sure you can write an even more effective teaser email. It would be a better idea to have a different message for your close friends, a different one for your business contacts and yet another one for those nasty guys SPAMMING you.

These are just some of the many creative ways to make money from Adsense.

Use the WWW to Make Money

The Internet has opened innumerable opportunities for people, thanks to the growing popularity and success of online jobs. There was a time when making money online appeared to be an unbelievable affair. Today, the scenario is completely different. Do an online search for money making opportunities on the World Wide Web, and you would be bombarded with hundreds of thousands of results in the fraction of a second. Right from data entry jobs to affiliate programs, or even clicking ads, the Internet seems to abound in jobs for everyone- student, homemaker, self-employed and even the elderly.

But then there is another side of this beautiful picture. Spamming has become a global affair. Every now and then, you would come across someone being spammed. Agreed, there are genuine online jobs too. However, you may have lost hundreds of dollars by the time you come across a genuine job. Bet-rich-overnight schemes continue to lure everyone, though most of us know deep inside that such promises are based on unrealistic aspects.

The question remains- how to make money online without being spammed? Online jobs can simplify your life. With an online job, you can say goodbye to debt and financial worries. You can spend more time with your loved ones. Most importantly, you can work from anywhere, and still make a full time income online. However, the income source should be reliable and residual, and not a one-time opportunity to make a few bucks.

A genuine online job that can teach you how to make money online should be more of a step-by-step system that should allow anyone, regardless of their age or location, to make a decent income, month after month, consistently. Some of the popular money making opportunities online involve writing, editing, transcribing, and other affiliate programs. While some companies offer regular writing jobs, and pay on a per-article or per project basis, many others allow you to earn through the income generated through PPC.

Your aim should be learning and mastering a proven system that teaches you how to make money online. Do not spend hundreds of dollars into buying schemes and systems that promise you a six-figure income. Learn to tell a genuine job from a bogus one. You may come across moneymaking websites that show pictures of lavish bungalows, luxurious cars and bundles of money. Remember, there is no way you would be a millionaire doing an online job overnight. A genuine job would help you increase your income gradually. If you want to learn how to make money online, you need to be vigilant. Keep an eye on the latest developments on the Internet. Read about freelancing jobs, and subscribe to blogs that send regular updates about online jobs.

Leather Repair - How To Repair Torn Leather Seat

There are so many different types of automatic leather seat repair, all with different situations and applications. There are holes, scratches, gouges, cuts, scrapes, worn or cracked, and just down right grungy looking leather seats. I think I got them all covered, well in this article we're going to talk about how to repair a small hole in a leather seat lean back, for those of you who do not know what a lean back is well it's the upper part of the seat.

Now when I say small this can apply for a tear up to 1 1/2 "to 2", probably might go a little bigger, but lets not push it, if it needs to go to the upholstery shop for an insert then that would be better then a crappy looking leather repair on something that probably would not hold anyways. When in doubt, insert it.

Prepping a seat is the key to success in any leather repair, and a lasting leather dye job. So, prep the whole lean back, and while at your it just clean the whole seat, why not, but you do not have to, with your prepping solution removing all grease, dirt, and grime. You need a clean surface and a well prepped area to work with. When I prep, I use a solution of rubbing alcohol, acetone, ammonia, and a small amount of TSP substitute, with water in a spray bottle. Spray the seat with the solution and scrub with a scotch brite pad to scuff the leather seat for leather dye adhesion and remove any grime that's on the seat, then wipe clean with a clean lint free towel. Once your clean, apply a grip base primer to the seat, I usually in most cases will dye the entire lean back when I do a repair or the entire seat, but sometimes it's not necessary, so you may not need to prime the whole seat , but do clean the seat good this cuts down on the amount of leather dye used and the ending result will be a premium leather repair.

Now to the hole. Lets say it's in a V shape, just for example. Like where you've gott'n out of the seat with something in your back pocket, ouch! I know the feeling, back in college I had a 1986 Mustang SVO, very rare and nice car (I miss that car) and I got out to go to class with a pen in my back pocket and ripped about a 2 "V shape in the seat, I about puked right there, and of course at the time I did not know anything about leather repair.

Sand the area around the tear with a 240 grit wallpaper, this gives a little more for the low heat compound to grip to. Take a piece of underpatch material and slide the under patch under the tear with a pair of tweezers, allowing about a 1/2 "on the inside all the way around. easier to slide under. You can use different types of under patches, I like the kind that is covered on one side with a heat activated glue.

Now take a drop of leather glue and spread a thin coat on the patch on the underside of the leather repair area. If the leather will lay down smoothly and match up then great, but sometimes it just will not. In this case we will use combo of the glue and your low cure leather repair compound and smooth a small amount over the patch then lay the leather down. Spread a small amount of low heat compound over the area and smooth it out with your pallet knife, remembering to keeping your area as small as possible, the smaller the better. Now heat the area with your heat gun, hold the heat gun out away from the leather repair and slowly move it into the repair area, this will give you just a little more control of the heat, you do not want to burn and shrink the leather. The idea is to cure the compound and get it to adhere before you cook the leather, it's a skill thing, practice makes perfect. Once the compound is cured immediately press the grain pad in your palm onto the repair, do not press to hard, but firm.

At this time using a wet paper towel apply a small amount of grip base to the repair area and dye with your color matched water based leather dye. Dry thin coats of dye, not wet. Then reapply and smooth out another thin coat of compound. Heat again and grain then dye, get the idea, what you are doing is building the repair up. Thin coats of compound applied and cured then reapplied, are much better then one thick coat. Once you have it built up and looking nice, blend the repair into the rest of the seat if needed, by applying thin coats of leather dye to finish it off. Drying between coats of dye with a hairdryer, and one great tip is rubbing the leather dye with your hands to force the dye into the creases of the leather helps a ton, do not be afraid to get your hands dirty. I say that but I'm allergic to rubber gloves, it bites, so I come home every day with dye all over my hands, it's a pain, but I love the work and the job looks better with a little bit of love rubbed on those leather seat repairs. After the dye is cured, apply a top coat of satin or dull leather clear top coat mixed with a bit of slip additive added for the soft feel. Dry the seat thoroughly, then apply your leather conditioner to finish and give the seat the juice it needs and a great feel and look for you.

Now there are so many other variations to this fix, sometimes I will have to use an air dry leather repair compound over the top of the low heat compound to smooth out the leather repair. Sanding it with a 400 grit wallpaper until it looks right. You can also turn your air down on your paint gun until little droplets are coming out to give it a textured look, drying between coats. Texture coatings, can be used, but if you do it right the gun effect works great. When I do a leather repair I will not give up until it looks perfect. Patience is a value, right. Do not get in a hurry, this will only frustrate you more and then you really got issues.

Leather repair is a craft and profession. The dyes and compounds I use are top quality and are made to last. Giving you a lasting leather seat repair, and comfort knowing you have a leather repair that will last and look great for years to come.

I hope this was some help to you, in the coming months there will be more articles like this one but on different situations on leather repair, liked I talked about in the first. There are so many different ways that a leather seat can be damaged, we spend a lot of time in our cars and well "sh $$ happens", right. So check back to see my next article on automatic leather seat repairs. If you have anything you would like to ask feel free to shoot me some comments on Leather Repair - How To Repair Torn Leather Seat.

Strange Money Habits of Billionaires

I observed in general the world's top billionaire made their massive fortunes through multiple streams of income. Their secret to financial success is simple enough to replicate: find and turn on as many money taps as you can manage and soon you will be swimming in an entire lake of cash.

In this article, I will reveal a few strange money habits some of these super-rich folks have.

Interestingly, including having multiple income streams, a few of them actually opt for a life of frugality instead of flashy extravagance. In all likelihood, they need not worry about their monthly bottom-line anymore but unbelievably, they still take pains to spend carefully. Believe it or not, here's proof using a few examples:

1) Ikea founder Ingvar Kamprad drives a 15-year-old Volvo, flies economy, avoids expensive suits and eat simply at lower-tier restaurants.

2) Investor Warren Buffet (world's richest man 2007) lives in the same house he bought for just US $ 31k nearly 50 years ago instead of building a grandiose mansion with sprawling grounds.

3) British billionaire John Caudwell cycle more than 23 kilometers (14 miles) to work everyday to save cash (probably a few petrol dollars) and stay fit. He even cuts his own hair to save time and that extra few pounds!

4) Indian billionaire Azim Premji , owner of technology giant Wipro, serves food on paper plates in a lunch reception honoring his son's wedding!

I do not blame you if you have problems believing how incredibly frugal these billionaires are. If you're already self-sufficient in cash, try and experience for yourself some of their cash-saving habits. It's a little nutty but it's fun!

Otherwise, if you're hard on cash, why not learn from their cash-making habits instead. That is, through multiple streams of income.

The Keys of Life - How to be Happy

As a life coach for a number of years now, I have been exposed to the concepts and tools necessary for creating a happy life. This information is not just text book theory, it is real, and I am proud to say that I am making a difference in such a positive way that both my clients and my children will maintain a real advantage in their future.

So what are the messages I attend? What are the tools I employ? And what is the language I maintain for a healthy mind? There are many imaginative ideas one can institute within the household to create awareness, and these examples seem to work for us, not always immediately, but I feel certain they will play out in a positive way in the future. When one singles out each item individually, they may seem too simple to make a difference, however when combined with a full understanding of the technology they begin to make a lot more sense.

So why is it that human animals are so unhappy? Why do we hear that 1 in 4 Australians are clinically depressed? This article would be too long if I were to cover all the reasons, but I will attempt to address a number of them.

1. We compare upwards.

There are so many things around us that make our life "easier" and provide us with more leisure time: .... DVD players, washing machines, fancy cars, play stations etc .. As we have more leisure time, these materialistic things help us fill our days, they make us "look good" and possibly temporarily happy, and more importantly provide us with the things that someone else does not have.

So what happens to the people who do not have some or all of these items? Children want what others have and feel that these things will make them and their lives more interesting and fun. We all want things. We do not need them, we just want them. We want them because our friends appear happier, and we want to be a part of that. So we compare upwards and we look to what we do not have that create a par. It's this vacuum that gives us a feeling of not being complete and we think we are not able to be happy. How often do we compare downwards? How often do we stop and say, "I am so happy to be free and can play with my children at the park", "I am so happy that I am alive and have food on the table". "I am so happy to be healthy and am not in hospital recovering from cancer."

I am consistently reminding my children to not only appreciate what they have, but to create a list on a daily basis of all the things they appreciate. The appreciation list can be as simple as "I appreciate getting a call from my friend earlier today". We need to balance out our comparison mechanism. It is becoming so increasingly difficult with society becoming more affluent, and the media controlling what we are told to think. We really have to start working hard at this. We have to start playing the game of life, so that it starts to work in our favor because as I look around at the number of overweight, depressed people and the state of this planet, we are losing the battle.

What else do I do to make my children aware? For many years I have been telling my kids to mute the ads on television. The marketing people who create these advertisements are a lot smarter than we are. They cleverly use positive associations to sell their products with no regard for what or how it is effecting our comparison state. They use anchors and leverage us into softening our brains.

I have signs around the house and try to create a balance. Small posters that say things like "A week of need not want", "A month of NOW!", "Do not complain about it, change it or fix it", "A situation needs to be either deal with or accepted" "Why make it a problem? There are no problems in the NOW." These signs inspire discussion and subliminal alterations to my children's assessment of life.

2. We have an obscured concept of what success is.

Many people in the western world think that success is a house, car, money, and possessions. You do not have to look far at the statistics to discover that the financially wealthy are not necessarily happier than those with less financial means and are more challenged financially. Who was it that stated:
"Today, we have more experts but more problems, more medicine but less wellness.
Bottom line, happiness has little to do with money. It is our state of mind. I remember when I was in my teens thinking that if I had enough money just for my bus transport I would be so happy. Then I got older and all of a sudden, it was not enough, I wanted a car etc. You know what I mean. Look around you, see how much STUFF you have, is it made up of a NEED or a WANT. Do you remember how happy you were when you only had a few boxes in your life, no baggage. Then you start to fill it up with stuff. Did it make you happier? Ladies and Gentleman, this is not success. It is empty and lacks value. And it never ends. This path will continuously be fed by trying to get somewhere, and humans do not realize that there is nowhere to get. We are creating dreams about "some day, one day". When I finally get my BMW then I will go camping with my family. When I just get $ x, then I will start a family, When I finally drop 7kilo I will be happier with my weight. The time is NOW, right now. This moment. Do not wait, do it now. Go on that trip, get involved with needy children, do that thing you have always said you would like to do. Help the less privileged. Just remember if you have food in the refrigerator, clothes on your back, a roof over your head, and a place to sleep, you are richer than 75% of this world. If you have money in the bank, in your wallet, and spare change in a dish someplace, you are among the top 8% of the world's wealthy. Success is finding YOUR OWN passion, discovering what you want to do with your life and going for it 200%. Not doing what others tell you. Start today. Learn about yourself, then create the most amazing possibilities for yourself.
Life is beautiful and the universe if perfect in every way. All you have to do is allow yourself see how beautiful things are, how wonderful you are, and start to become part of what is already perfect.

3. Communication:

You do not have go go back many years to see how communication has changed. Think back to the days when you would walk along the street, take public transport and people would say "Gday" "Lovely day" etc. On face value it does not mean very much, but this is the game of life we ​​are not playing any more. We prefer to sit opposite a computer, answer emails, play computers games, swim in our pools at home, watch TV etc, left to communicate with our own "little voice". In fact with 50,000 thousand thoughts we have on a daily basis, it seems that we are spending more and more time "ALONE". Now that would be OK if our internal communication was open to new ideas, with a potential to create thought- provoking new concepts and important issues in life. However, the internal chatter is so limited, and has become so molded by our clever governments and advertising geniuses, that we do not have a chance. That's because we are only working from a position of what we know we know and what we know we do not know. It has left no room for all the things we do not know we do not know. We can only get access to those blind spots in our life if we have other people expose them. We can only get it by being present to our voices. We can only get it from others. If you were to engage in a conversation with that old lady on a bus, imagine what pearls of wisdom you may get from her. Or that gem from that person we chatted to while waiting at the checkout at the supermarket. We have been all the way to the moon and back, but have trouble crossing the street to meet our neighbor. We have acquired outer space but not inner space. We need to get back to basics and start talking. We will all begin to discover that pretty much all people in the universe want the same things and generally think similar thoughts. We all want to be happy. 

I am continuously chatting to people, smiling as I walk past people, and I let my children see that, we discuss it continuously and make points of interest to what goes on. Continuing talking about the concepts of how people are trying to "look good and trying to avoid looking bad", and all about "life". Remember your children are not getting an education about "life" from school where they spend most of their days. Do not forget that you DID NOT GET ANY EDUCATION AT SCHOOL ABOUT LIFE. So get learning, get educated and start educating the children. It will help them with their health, relationships and conventional education.

I encourage you to consider that life is beautiful, and note that we have learned to make a living but not a life and we have added years to our lives, but not life to our years.

What I do:

Among other things, I provide face to face life coaching in Melbourne Australia. I am continuously making a difference in people's lives. I know that 5 minutes before I die I wont be thinking about the house or car I did or did not have, but I will be smiling at the thought of the numerous people whose lives have been effected positively by my input. It is the most rewarding life I could lead and I could ever pursue.

jonathan@lourie.org

A Guide to Hiring an SEO Provider

If your business has any online components (such as a website), then SEO is critical to the ongoing success of your business. You may have the most expensive website in your industry, but without web traffic (visitors) to that website, it is essentially useless. It is not just traffic that you need, but targeted traffic. A good quality SEO service can provide relevant, consistent web traffic to your website (s). This guide will allow you, as a non-expert, to distinguish between good and bad SEO providers. There are many of both kinds, this guide should help you to find the good ones.

SEO needs to be implemented in a way that is effective in achieving your SEO goals and providing that all important meaningful presence on the World Wide Web.

Quality SEO is a critical investment when it comes to developing successful expansion and growth strategies.

Ineffective SEO implementation, renders your SEO efforts wholly ineffective and a waste of your money.

6 things you need to know and understand before hiring an SEO provider:

1) Hiring an SEO provider should be seen as an investment in your business. You should not view it as a business expense, but rather a business strategy and an effective way of enhancing your business presence within your business sector. Try not to begin your search with the intent of "buying some SEO". Hiring an SEO provider should have viewed rather as hiring an employee that understands and cares about your business and its online objectives.

2) The first page of Google (or any search engine) is everything. Few people ever go to the second page of the search results anymore. Google is so good at being a search engine that people blindly trust Google's ability to deliver the most relevant results on the first page. Think about how often you click through to the second page. This means that if your business is not on the first page, it's almost as good as now. The top positions on page one get the most clicks, which decrease as you progress downwards on the page.

3) The 'big' keywords are not everything. It is better to be on the first page for a fewer smaller keywords, than try to rank for larger keywords and not be on the first page at all. For example, an accountancy business in Preston may not rank for the highly competitive keyword 'accountant' (unless they have a lot of SEO budget and time to wait for rankings); but the same business could conceivably rank highly for the keyword 'chartered accountant Preston'. A good SEO provider should research the keywords that your business could literally rank on page one for and also keywords that have enough search volume to be worthwhile for your business to try ranking for.

4) SEO is all about beating your competition. There is no guarantee from the search engines to say you will be on the first page of Google if you do certain things. Put simply, SEO works like this:

The search engines have their conventions; websites that conform by giving the search engines what they want, will find them making achieving search engine rankings. The only thing standing between you and the top spots in the search rankings is your competition. Not your actual business competitors, but your online competitors. The websites that currently have the top spots in the search engines for your desired keywords are your online competition, and you need to beat them out of those top spots. Some keywords will be easy to rank for, others will be more difficult. It is only your online competition that dictates which will be the case for each individual keyword. A good SEO provider will research the competition for each of your keywords. Then, after the most effective keywords for your business sector have been identified that they should be implemented in accordance with point number three above.

5) On-page and Off-page SEO.

Search engine optimization is a complex and ever-evolving science, but in order to intelligently interview a prospective SEO provider you need to understand that there are two main types of SEO.

On-page SEO relates to the factors on your website that affect your SEO (keywords, usability, page headings, outbound links, internal links, etc.).

Off-page SEO are the factors that relate directly to matters outside of your website that affect the SEO of the website, such as back links, citations, social sharing, etc.

SEO providers can work on your off-page SEO fairly easily, but if you are not willing to change on-page SEO, according to their recommendations, you can not blame them for lack of results. A good SEO provider will review your website and report back about your on-page SEO, and how it can be improved. You should have your web designer make the adjustments. (Remember he is the expert in this field)

6) An increase in search engine ranking is not necessarily an increase in leads and sales. All your SEO provider can do is get your website, videos, Google Places, articles, blog posts, etc. further up the search engine results. They can not guarantee an increase in sales or leads, because that factor is determined by your own sales funnel. It is not the SEO provider's job to make sure that the extra web traffic you receive will convert to more leads or sales. Your website needs to convert those visitors with good marketing, which is an issue for your marketing consultant to deal with.

The key differences between 'good' and 'bad' SEO providers:

Good SEO Providers
Good SEO providers know and understand the points mentioned above. You can judge this by their answers to the questions provided later in my next article.
Good SEO providers want to build a solid foundation and a proper SEO plan for your business, with an extensive initial keyword and market (competitor) research. They will often insist upon it, even if the prospect client does not see the need. Sometimes a good SEO provider will refuse to work with a client that does not want the important groundwork to be done, because they know that without it they will not be likely to provide the client with the results that they want. A good SEO provider will want to provide their client with results as their first priority. Often a client will say "but I've already done the keyword research myself". Many potential clients sit down for 5 or 10 minutes to write out all the keywords that they think are relevant to their business, and then think that they have now done all the keyword research that is needed. Real keyword research is a lengthy, investigative process.

Good SEO providers use responsible SEO methods, such as paying more attention to on-page SEO, securing quality back links, improving citations, helping social sharing, including a good user experience, etc.

Bad SEO Providers
Bad SEO providers will want to take their clients' money as their first priority. They will not conduct proper keyword and market research, but will say, for example, "what are your three keywords and your URL that you want to rank for". If this happens (as it often does) you can be sure they are simply plugging your website into software to get irrelevant back links all over the internet, using spam blog comments, link farms and other means. In many cases this approach is ineffective because the URL, or domain, may not match the client's desired keywords. This can also damage the reputation and, ironically, the long-term SEO and credibility of the website.
Bad SEO providers use bad quality SEO methods (Sometimes referred to as Black-hat methods), Utilizing these methods can have an extremely detrimental effect on how your website is perceived by search engines. This in turn may result in your website being (Sand boxed). Needless to say this is extremely undesirable, as damage such as this is extremely difficult to reverse.

Ensure you get the specialist SEO who knows how to highlight the attributes of your company and can draw attention to your products and your services in a way that really makes your business stand-out on the worldwide web.

Top 4 Ways to Make Money Online

If you take the time to do some research, you will find the most common money making opportunities are covered in this article.

So my friends, here is my review of the most common ways to make money on the internet.

I've tried them all so this is my honest opinion. :)

Surveys

This was my first venture online. Claims of $ 5000 per month filling out survey's sounded good.
Boy was I disappointed.

I spent around a hundred hours filling out surveys from numerous companies. In fact I still get emails from companies today. But my days of 50 min surveys for $ 2 are well and definitely over.

Pros

I did make some money but now near what some people claim.

Cons

A lot are scams
Hard to make a substantial income
Takes up too much of you're time

MLM / Network Marketing

OK so I have not tried this but I have very good reason. I know from speaking to my mentor and other good friends in the home business world that MLM businesses are notoriously hard to achieve great success.
And here's why. Not sure if there is any pro's.

Cons

You're success is mostly dependent on building a huge team of distributors. 100's possibly 1000's

You're income can be affected greatly when people leave the business.
The charges are usually between $ 20 - $ 60 per sale, so a lot of sales are needed to make a basic income.

Payment plans are often outdated and sales sometimes need to be passed up to you're sponsor etc

Affiliate Marketing

OK so this is one of the most popular ways to get started online but in my opinion it's not as easy as a lot of people make out.

Pros
Low / no cost to get started
great for extra income

Cons

Steep learning curve for "newbies"
Extremely competitive.

If using PPC (pay per click) marketing, you could have lost more money than you make. Commissions are usually around $ 40 so high volume of sales is required for a good income

Affiliate marketing is best when you have an email list to market to.

Direct Sales / GPT (Get Paid Today)

This is by far the best way I've found to make a substantial income and it's great for newbies.

Pros

Direct sales and GPT businesses are great because you get paid first and directly. No waiting til the end of the month to get paid from the company.

Direct sales businesses are generally "high ticket" businesses. Meaning missions range from $ 500 - $ 2000 (just a few sales per month is a great income)
You do not need to rely on team members making sales (although building a strong team creates another stream of residual income)

Direct sales is recognized as the best and quickest way to build a big income

You do not need to work any harder to sell a high ticket product than you do to sell a $ 40 affiliate product.

Cons

Not really any cons but as direct sales have high responsibilities, they generally have a higher level of investment.

But you can make you're investment back quickly if you have the right mentor, mindset, and business.

Easy Ways to Make Money

"Are there any easy ways to make money?"

The short answer is "Yes", but this needs to be qualified.

First, understand that there are NO FREE WAYS to make money, nor are there any ways to make FREE money, whichever way you like to say it! There is no scheme where you pay nothing and do nothing, and you make money automatically. If there were, millions of people would be doing it and they certainly would not tell anyone else about it. There are no on-line philanthropists who wish to "help" you to make money from the goodness of their heart; They want only to help themselves in some way. To make money you must expend some measure of your own cash or time or effort, or some combination of these.

That does not mean that you must always pay money for help or ideas to make money. There are several sources of information, and even software, which require no cash payment, but do require your time and effort to make the ideas work. An example is automated advertisements. More of that in a moment.

"What is the easiest way to make money?"

The easiest way to make money is, without a shadow of a doubt, by using the communicative power of the Internet, through which you can reach millions of people who may be looking for what you are offering. If you think that you have nothing to offer, you're almost certainly be wrong!

"What can I offer to people?"

The easiest way to make money on the Internet is by offering products or services provided by other companies. This is known as "Affiliate Marketing". You become an affiliate of the product manufacturer or service provider, and they pay you cash as a commission on whatever you sell for them.

How much does it cost to become an affiliate? Nothing! Only the time it takes to find some good affiliate products or services. Search the Web for "affiliate program program" (where "????" is your chosen subject of interest). When you've found some you like, sign up with them. (You may need to give a web site address for them to check. Do not worry if you do not have one; We'll deal with that in just a moment.) When they've approved you, go to their ' banners' or 'creatives' page and pick a suitable banner. Copy the banner code and paste it into your web pages where you want the banner to appear. Done! Now, whenever someone clicks on the banner and buys a product or service, you'll be paid a commission.

If that's too time-consuming for you, there is, fortunately, a quick way. Join one or more of the "affiliate trackers". These are companies that handle the affiliate sales tracking and commission payments on behalf of a large number of suppliers. You can select the suppliers that interest you from their lists. They also e-mail you whenever a new supplier joins their scheme. This saves you the time spent on looking for suppliers, but the banner work still needs to be done. Some affiliate trackers are LinkShare, ShareASale, WebGains, AffiliateFuture, LinkConnector, Buy, AffiliateWindow, CommissionJunction.

If you find all that too hard to do, there's an even simpler and quicker way. In fact, it's probably impossible to find any method for making money simpler and quicker to set up than ClickBank with the automated advertisements mentioned earlier. ClickBank is an affiliate tracking company that deals only in digital products, that is, products that can be downloaded from the supplier's web site immediately after they have been paid for, such as software, e-books, videos, etc. Just follow these steps:

(1) Join ClickBank as an affiliate. (You do not need to give a web site address.) The cost? Nothing.
(2) Sign up for automated advertisements lifetime membership. The cost? Nothing.
(3) Watch the automated advertisements training videos.
(4) If you do not have a web site, create a WordPress blog in a few minutes, and then watch the advertised advertisements WordPress video. The cost? Nothing.

For about an hour's work, you should have banner ads on your web pages or blog. Each time a visitor visits or refresh the page, the banner ad changes at random among the most popular ClickBank products in the category you chose. This random display is controlled by the automated advertisements software, and always displays the most successful products.

Once you're set up, either with your web site or WordPress blog, you'll need to attract visitors to it. In Internet marketing, visitors are known (somewhat impolitely) as "traffic". Driving traffic to your site is the hardest part of Internet marketing, but there are many ways to do it. This subject is beyond the scope of this article, but, if you can not get good advice from someone you know, there are many training courses available at various prices. Regrettably, many of them are not worth the money, being either poorly written or not comprehensive.

"How much commission will I be paid?"

There are no rules. You'll probably want to go for those affiliate programs which pay a minimum of 4% on consumer goods like TVs and games consoles. Digital goods like e-books and software can pay 50% or more! 25% is common for financial services. Insurance companies can pay you $ 5 just for a lead, without selling anything, and $ 70 if the prospect buys a policy. You may be surprised at some of the companies that operate affiliate schemes, even huge ones, like Sony, Argos, Wal-Mart, Sears.

"What else will I need?"

Patience. Do not expect miracles overnight. It may take some time and effort on your part, but success will come for sure. The amount of your success is usually commensurate with your effort in the early months. Sooner or later, your enterprise will achieve critical mass and start to snowball. Then it will be difficult to stop the money rolling in. Good luck!

Evaluating Stocks: Fundamentals and Technical Analysis

Certainly, a "complete" course on security analysis is well beyond the scope of this text. There are many excellent books devoted to the subject of how to analyze the value of securities - both from a fundamental as well as a technical standpoint. The goal here is simply to provide a basic understanding of the methods and theories behind each type of stock analysis.

It should be pointed out early on that Fundamental Analysis and Technical Analysis of securities are two fairly radically different approaches to determining the correct [or fair] value of a company's stock. Let's start with a general overview of each method and then look into the specifics of each area. Again, for a more detailed examination of each type of analysis, we suggest you refer to our book list and / or the books specifically mentioned throughout this document.

The definitive work on Fundamental Analysis is broadly considered to be the classic book "Security Analysis" by Benjamin Graham and David Dodd. This book, which was first published in 1934, is considered by most on Wall Street to be the 'Bible' of security analysis.
In fact, it was Benjamin Graham that Warren Buffett studied under when he first started in the stock market. Much of Berkshire Hathaway's success can likely be traced back to the information and ideas provided in the book Security Analysis and by the teachings of Benjamin Graham (although, it's widely acknowledged that Warren Buffett put his own spin on things over the years as well).

Fundamental Analysis is just as it sounds. It is based on examining the fundamental pieces of a business and its operation. There are no exotic formulas used. You do not need to be a mathematician. Anyone with a simple calculator and some basic information about a business should be able to employ Fundamental Analysis quite effectively.
The basic idea is if you put a dollar into the business (in the form of buying the stock) how much of a return can you expect. How much yield will you likely see and / or how much growth will you experience based on the operation, markets, competitors and costs of the business. Obviously, not all aspects of these fundamentals can be quantified. Such such as "good will" or changes in the economy or the consumer can be difficult to nearly impossible to calculate. However, to a large degree Fundamental Analysis throws these items out as concerns and simply looks at the cold hard facts which you do have available to you. Things such as costs of goods sold, margins, tangible assets, expenses, etc.

Armed with these basic and tangible numbers, one should rather easily be able to calculate the value and profitability of any business (given the numbers available and / or provided are accurate of course). Once a valuation is arrived at, the person performing the valuation can decide whether or not the market place (in this case the stock market) is applying what could be considered a fair market value to the stock. Certainly, when trying to make a profit on Wall Street, it is advisable to search out stocks which are (or at least appear are) being improperly or undervalued by the market. For the Fundamental Analyst, once an undervalued security is found, it's simply a matter of buying the stock and waiting for the market to realize the "more accurate" value of the security (assuming of course he / she is correct in their assumptions).
Find a cheap security, buy it and become rich. If only it was that simple. Or maybe it is? Just ask Mr. Buffett.

If the definitive work on Fundamental Analysis is provided by Graham and Dodd, then perhaps the definitive work on Technical Analysis is provided by Martin J. Pring in his book "Technical Analysis Explained". To quote this well regarded book on the definition of Technical Analysis:
"The technical approach to investing is essentially a reflection of the idea that prices move in trends which are determined by the changing attitudes of investors towards a variety of economic, monetary, political, and psychological forces. is an art - is to identify trend changes at an early stage and to maintain an investment post until the weight of the evidence indicates that the trend has reversed. "

Technical Analysis is nothing new. It has been used in one form or another for as long as stocks have been traded. In fact, the star character in one of my all favorite favorite books ("How I made $ 2,000,000 dollars in the stock market" by Nicholas Darvas) used mainly Technical Analysis principles in his investing - whether he knew it or not. However, "Charting" also commonly called "Chart Reading", which Technical Analysis is also referred to as, has become much more popular and broadly used inhaps only the last 20 to 30 years on Wall Street. This may be a large due in part to its more wide spread teaching and acceptance in colleges in more recent years.
If, based on my own experience and knowledge of this method of analyzing securities, I had to summarize all of the technical analysis down into one central idea, I would put it like this:

The corner stone of Technical Analysis is the concept that no single individual can ever hope to know as much about a security as the whole of Wall Street does at any given time. Because "Wall Street" is made up of everyone who is invested in - or may invest in - the stock market, their collective knowledge about any specific stock and / or the market is such that this mass of people and combined knowledge (ie Wall Street ) can valuate securities nearly instantaneously and far more accurately than any single individual.

As such, in the mind of the Technician, it follows that there must be no need to use something as "archaic" as Fundamental Analysis to value a stock, when everything known about the stock (and this includes the business fundamentals) is almost instantly reflected in the stock's price. In this situation, it would make much more sense to use the recent and historical trends and movements of the stock price to deduce not only the current fair market value of the stock, but where the price "may move" in the future. This future price movement is large extrapolated based on historical chart patterns and how the stock has recently expired in relation to support and resistance levels. Any Technical Analysis book worth its salt will quickly introduce you to chart patterns such as "double tops", "trend lines", etc. It is these patterns which are the core of Technical Analysis.

However, the question of whether or not these patterns on charts can always accurately predict future price movements of a stock is (and probably always will be) up for debate between Fundamental and Technical Analysts. If there is one fundamental (again no pun intended) flaw to Technical Analysis, it is that over the years Technical Analysis has been [incorrectly] extrapolated to mean that the market will "always perfectly" evaluate a security based on all information known by the markets. Unfortunately, that is not "always" the case.
This leads to mind a funny joke I once ran across in a book (I believe the book was by or about Warren Buffett) regarding how technical Analysis has been elevated to levels beyond its true capabilities:

A Technical Analyst and his friend were walking across the street. His friend noticed a $ 10 bill laying in the middle of the road and exclaimed, "Look, there is a $ 10 bill in the road". At which point the Technical Analyst said "If it were really a $ 10 bill, it would not be laying in the road".
This joke underscores the idea that Technical Analysis may not always evaluate the market without error. However, as long as you keep this point in mind, then Technical Analysis and chart reading can be a helpful tool in both investing and trading.

Finally, we should point out that the term "Quantitative Analysis" on Wall Street simply refers to someone (also sometimes referred to as a "Quant") who employs a mixture of both Fundamental and Technical Analysis in trying to properly evaluate stocks.

Good luck in the markets!

No permission is needed to reproduce an unedited copy of this article as long the About Author tag is left in tact and hot links included. Questions and comments can be sent to Ray at articles@daytraders.com .

Option Trading Basics

Options trading can increase the profits you make when trading Stocks if you understand how to use them and know what you are doing. Options can be a very useful tool that the average investor can use to enhance their returns.

This article - Options Trading Basics, looks at what options are and discusses some of the options trading strategies traders can use with these versatile instruments.

Options - An Overview

Options give the buyer the right, but not the obligation, to buy (a call option) or sell (a put option) the underlying Stock or futures contract at a specified price up until a specified date.

In other words, options are like tradable insurance contracts.

An investor can purchase a Put option as insurance against a decline in the Stock price or a Call option in case the Stock rises. Buying an option gives the purchaser time to decide whether they will buy or sell the underlying Stock. The price is locked in until the expiration date, which in the case of LEAPS can be years into the future.

Options trading has several advantages that every Stock Market investor should be aware of, such as high leverage, lower overall risk than owning the physical security, more versatility and the ability to generate extra income from a current Stock portfolio.

An option of value fluctuates in direct relationship to the underlying security. The price of the option is only a fraction of the price of the security and therefore provides higher leakage and lower risk - the most an option buyer can lose is the premium, or deposit, they paid on entering into the contract.

By purchasing the undering Stock of Futures contract itself, a much larger loss is possible if the price moves against the buyers position.

An option is described by its symbol, whether it's a put or a call, an expiration month and a strike price.

A Call option is a bullish contract, giving the buyer the right, but not the obligation, to buy the underlying security at a certain price on or before a certain date.

A Put option is a bearish contract, giving the buyer the right, but not the obligation, to sell the underlying security at a certain price on or before a certain date.

The expiration month is the month the option contract expires.

The strike price is the price that the buyer can either buy call) or sell (put) the underlying security by the expiration date.

The premium is the price that is paid for the option.

The intrinsic value is the difference between the current price of the underlying security and the strike price of the option.

The time value is the difference between current premium of the option and the intrinsic value. The time value is also influenced by the volatility of the underlying security.

Up to 90% of all out of the money options expire worthless and their time value primarily Declines until their expiration date.

This clue offers traders a very good hint as to which side of an options contract they should be on ... professional options traders who make consistent profits usually sell far more options than they buy.

The option contracts that they do buy are usually only to hedge their physical Stock Portfolios - that this is a powerful distinction between the punters and small traders who consistently buy low priced, out of the money and close to expire puts and calls, hoping for a big payoff (illegally) and the guys who really make the money out of the options market every month, by consistently selling these options to them - please read the rest of this article.

The seller of the option contract is obliged to satisfy the contract if the buyer decides to exercise the option.

Therefore, if he has sold Copped Call options over his Shares, and the Stock price is above the option strike price at expiration, the option is said to be in-the money, and the seller must sell his shares to the option buyer at the strike price if he is exercised.

Sometimes an in-the-money option will not be exercised, but it is very rare. The option seller (or writer) has to be prepared to sell the Stock at the strike price if exercised.

He can always buy back the option prior to expiration if he chooses to and write one at a higher strike price if the stock price has rallied, but this results in a capital loss as he will usually have to pay more to buy the option back than the premium he received when he originally sold it.

Many option writers simply get exercised out of the Stock and then immediately re-buy more of the same or another stock and simply write more call options against them.

The buyer of an option has no obligations at all - either either sells his option later at a profit or a loss, or exercises it if the stock price is in-the-money at expiry and he can make a profit.

The vast majority of options are held until expiration and simply decay in price until there is no point in the hapless buyer selling them. Very few options are actually exercised by the buyer. The vast major expend worthless.

Having said all this, lets look at an example of how to use options to gain leverage to a Stock price movement when the trend does go in our favor ...

For this example we will use MSFT as the underlying security. Let's assum MSFT is trading for $ 24.50 a share and it is early January. We are bullish on this Stock and based on our technical analysis we think that it will go to $ 27.50 within two months.

In this example, we will ignore Brokerage costs, but they do have an effect on the percentage returns. The prices and price moves of the Stock and the options are hypothetical - they are intended as a guide only.

Buying 1000 physical shares will cost $ 24,500 and if we sell our position at $ 27.50 a share, we will make a profit of $ 3,000 or a 12% return on our capital. We will have $ 24,500 at risk if we take this position for a potential of 12% or $ 3,000 profit.

Instead of using cash to buy the physical Stock, we can buy 10 call options with an expiration that is at least three months into the future and a strike price that is close to current price of the underlying security.

10 contracts represent 1000 shares of the stock, a call option is bullish, three months until expire gives us some time for a quick move, and buying an option with a strike price that is close to the current price of MSFT allows us to get the full potential of the intrinsic value.

We buy 10 MSFT $ 22.50 April Call options. These options are currently selling for $ 2.80 and they are in the money.

$ 24.50 (the current price of the Stock) minus $ 22.50 (the strike price) is $ 2.00, which is our Intrinsic value. $ 2.80 (the option premium) minus $ 2.00 (the Intrinsic value) gives us $ 0.80, which is the Time value.

If the price rallies to $ 27.50, as we believe it will, the intrinsic value of these same options at that point will be $ 5.00 ($ 27.50 - $ 22.50). That means that if the Stock gets to $ 27.50 a share, our option premium would be at least $ 5.00 plus a small amount of time value, depending on the remaining time until expiration.

Ten option contracts will cost us $ 2,800 ($ 280 times 100) and if MSFT goes to $ 27,500, we could sell our option contracts for at least $ 5,000 ($ 500 by 10 contracts), maybe more.

We will have $ 2,800 at risk if we take this position, rather than the full price of the Stock ($ 24,500) for a potential of 80% or $ 2,200 profit, plus whatever time value is left in the option, probably another $ 100.

Our options buying strategy cave us a much larger percentage profit with a much smaller potential risk. Do not forget that, for us as the buyer, these options will expire worthless if not sold or exercised by the expiration date.

The option seller or writer simply has to sit back and wait until expiry to see if he is going to be exercised. If the Stock price is below the strike price at expiration, it keeps the premium and can write another option over the same Stock.

If the Stock price is above the strike price, he will most likely be exercised and will have to sell his shares if he does not exit the position by buying his options back on the open market (quite often at a higher price than he originally sold them for).

The downside of buying the option over the physical Stock is that if you bought the Stock itself, even if the price had not moved, you would still own it, but by buying the option, if the price does not move in the desired direction , you lose part of your trading capital.

To make options trading work, the undering security must move fairly quickly in the direction you expect, or you will lose money at an ever increasing rate as the expiration date draws nearer.

As you can see, options strategies can offer much higher percentage returns with less risk for the same trade. The majority of your cash is still safely in your trading account rather than being exposed to the market.

This is just one example of using options trading to increase your Stock Market returns. There are many more strategies and ways to use options and I encourage you to explore them further.

All options expire worthless if they are not in-the-money at expiration, so the buyer must close out or exercise his position on or before the expiration date or he will lose the entire premium.

The time value portion of the option premium decreases periodically until expiration date. The closer to expire, the faster the time value decreases, as there is less time for the option to move in the desired direction for the buyer.

For buyers, top traders advise never to hold an option with less than 30 days to expire due to the exponential rise in time decay during this period.

For sellers, it is usually most profitable to write options that have 30 days or less to expire, due to this same time dece effect ... the buyer of these options has the odds stacked against them and will require a large price movement in his desired direction to make a profit - remember, the vast majority of options expire worthless - so this is the side of these instruments the wealthually find themselves on - just a thought ...

There are many other intricacies of options trading that investors and traders should be aware of. This article is only an introduction to options trading and there is a lot more information for you to learn.

For a more in-depth look at the various Options strategies available, visit AcornTrader.com.

This page has a series of articles on options trading and outlines some of the strategies merchants can use to profit from these extremely flexible vehicles.

We encourage you to study these instruments carefully if you decide to trade them. Then use the trend trading strategies outlined in these stories and articles to position yourself on the right side of the market - whether as a buyer or a seller.

To Your Trading Success,

Making Money Online With a Forex Trading System

In this article I will discuss making money online, Forex trading, and software related to Forex trading. Both good and bad. As well as cover some other things. Although there are a lot of systems out there, more importantly scams, there's not quite as many as there are online get rich quick schemes and ponzi schemes in general. There are still hundreds if not thousands of scams that directly refer to Forex Currency Trading. These scams come in various formats but often get the record set straight on them quickly, however a few others somehow escape the negative publicity and go for years and hit unsuspecting profit seekers where it hurts the most daily. The problem with Forex is that so much seems too good to be true, and a lot of stuff is, but it's also true that many people have made millions and some are not really all that smart at it. You can profit from the right robot.

The first thing I would like to discuss is the topic of sales pages, that common pitch page that a lot of products use and you often think it's gone too far or it must be a scam just by looking at it. But when you think real hard about it, over half the time this is not actually the case ... These sales pages are so long and packed with information since they are commonly advertised on the web and it is more or less business strategy, as opposed to anything reflecting the product. Certain sellers force you to use pitch pages, they need a specific landing page and it makes things much easier for sales transactions.

So rather than guide you through a structured web site with more details through various sections; they often use this pitch page and they generally pack it with information and a ton of hard selling. This has proven to be the trend and it's gotten harder and harder for some EAs to market their software without these types of pitch pages. It is often the case with digital products and or / stuff you can order online. When it comes to these make-money-online and Forex sites they often have a lot of flash to them and obviously many things to draw customers in. In reality it's not much different from any other form of advertising, most certainly not the likes of gambling, and so forth. They need to have some sort of appeal and be competitive. My conclusion is that even if it looks like it could be a scam, do your homework anyway and it may not be. It just depends. Some things are signs, but in my opinion web design and hard selling are not direct signs of a scam. Although in the Forex Market something to hope for would be charts and proof.

With regards to the surveys and other things, it amounts to filling out spam for pennies pretty much, data entry is the same and much more annoying than even the most desperate realize. It also makes you look bad if you tell your friends. You still have to spend time to make any real money, not prizes, and some also require a credit card number on file, and they text you and stuff too. Let's be honest, it sucks. It's bottom of the barrel work that just is not worth it. It's for the ultra-lazy. The kind of human being who for example might get scammed by a Forex system. Not a serious adult who is looking to profit from investment and extend their savings, along with make more money in general.

I once tried a clicking service just to see if I actually could make money, on the popular moneytec forum it was this highly recommended thing by a bunch of lazy work at home users, but I bought into it at the time, and, no joke I signed up and they told me it would be easy and they would make it easy to visit 1000 sites or whatever they have you visit for 15 cents. So I clicked a link and it just starting loading every 2 seconds, it was awfully slow, I waited 15 minutes and that was only like 25 sites, i got a virus after, and i closed it fast. I abandoned the 15 cents for it and thought instantly that these poor souls who do this are a whole helluva lot more desperate than I am. I do not belong in these sort of slums of the internet. This is the first time I have ever written about it. During that several years ago before I started trading Forex I also wrote a few surveys and never got paid once. I have marketed online to some success but mainly my success has been through Forex Trading. That's why I do not need to work a real job and can sit around doing stuff like this all day. Publishing is very important to me. Once something you write online get indexed by a major search engine like Google, chances are that it will be there for a very long time. I find that important anyway ...

There are other ways you can make money online without Forex Trading, though sadly it is often below the barrel work; boring data entry, filling out surveys for pennies, to name a couple of the more common ones. If you're into making web sites you may also advertise on one of your sites or a network of sites, and for that you need fresh content and you need to get traffic, which is way harder than one might think. You can sell products as an affiliate, although you need to find your niche and work very hard at it, it becomes a time consuming job for some people and no matter what you're likely to going to need to invest in something no matter what you do. Whether it's Forex, Web Design, Advertising or whatever it is or a combination of things, most importantly it takes time and ability to adapt your passion. Although you still have much more freedom, affiliate marketing online is very crowded and has been for years. You can also use a revenue-share article and / or video submission service in hopes of being one of the few who can actually earn a living at it. Though that is not for everyone. If you've got four young children and only have an extra hour or two a day to pull in some extra income you most likely do not have time to play a Martha Stewart like figure. Most people do not.

Forex Trading on the other hand is more convenient in the sense that it is an extremely profitable investment opportunity given the right expert adviser, to advise your trade and supply signals, generally to guide you. That is option one. You need a broker. It's way easier than you think and in the Forex industry not as big of a word as you might think, easy to get and you do not gotta meet them in person or anything. It's an online thing.

There are many options to trade Forex, one of the most common would be the use of automated Forex platforms and Forex robots, all automated Forex trading in general. There is nothing wrong with it. This is where expert advisers come in, EAs for short. These are the Forex experts as I mentioned above who supply your trades and information to you. They pretty much tell you what to do. Some are much better than others. Some are not out to supply signals at all and simply selling their software to make profit from that end. Proper automated Forex software oftens runs on the metatrader 4 Forex trading platform, or at least the more popular ones do. Your EA software is like plug-in software for it. I'd actually be wrong to say all EAs use it, but many of the ones I have experience with use the Metatrader 4 Platform and I prefer it.

The other way to trade Forex is to study the market, find all the relevant information you need, take a very long time of a few months to several years to learn something, only to have it blow up as you were still too inexperienced to do something with your strategy when the market changed. Strategy is a very important element of online Forex trading but not just having a strategy, it's about having enough strategies and being able to adapt properly with the market. This is why a lot of people fail without popular EAs, because the EA is usually a well-trained trader and your common trader can not provide himself with signals even half as good and a lot less consistently. The well known EAs are usually like 15 year traders and so forth who studied the market like a school subject and make extra money on the side by selling there signals too you, or software which grants them.

A lot of Forex EAs today simply do not have that sort strategy or ability to adapt with the market ... So not making them scams, but just not prepared for the long haul in general. I have a lot of experience with failed systems and systems that worked for just a little while. I have others that work to this day but I am always seeking new ones. I can review several including one I use now however that has already been done a few times over.

If you're looking for the cross between really learning Forex and just really having to learn complicated signals and software I'd suggest Forex Fap Turbo. The downside of this is you often need to buy extra stuff to learn it and some of it is useless. All of this for pretty decent software but it takes way more time and skill and not something I was happy with. I requested and received my refund for the software and some other software related to it, as it was just not for me and the only people i heard reviewing and bragging about it were a lot more educated before they tried it than I was. I was not ready then, am not ready now. Although it's a well reviewed Forex system and not a scam, I've provided a lot of help, but there are too many of the same, some are forex advertisements so that's not a lot of help. It also brings up a lot of the Fap Turbo related software that is not even the direct software and you gotta buy it separately. So it's a lot of hassle even more than some typical investments that are not related to Forex.

I have also tried automoney and several other Forex robots and automated Forex platforms. I have found that many of these automated Forex systems are a dime a dozen and send you through far too many loops to get the desired results. If they do not eat your entire investment ... Some systems do not have stops and you have to do too much often, others are slow, and sometimes the EA is simply just not your sort of teacher and you get lost sometimes. ..Some EAs will simply sniff you out and then screw you over in the end. This is why it's important to watch for signs of proof either by service trial or physical proof before making your purchase of expensive Forex software.

I have also used Forex Assassin, the eToro Forex trading platform and Forex Harvester but nothing really significant has come up from any of those systems for me.

Some Forex marketers, EAs and employees in general and so forth are so wicked that they monitor new "Forex" related domain registration and somehow get your email address and solicit you ... So you have to be aware that in the Forex market as far as Forex expert advisers go, there is a lot of them competing to get your money. You are sincerely seeking the ones who are also looking to have a solid reputation and actually provide you with profitable trades, your EAs # 1 objective should be successfully trading Forex and not selling their software. This is another thing that makes the simple "pitch page" easy for EAs with very little maintenance, on that end of things. The software should be and often is a side venture for Forex experts who can actually profit from their knowledge of the market and have the means to market themselves ... Can anyone create automated software and sell it? Probably not, I think it's a bit of a stretch but then again it depends if you even get software, or whatever, most systems that are fully developed and have good features but do not work - were more than likely meant to work at some point.

I have read up on quite a few of the most popular Forex review sites like Forex Peace Army and many other well known ones, and to me they all pretty much point towards the same complicated software and their voters are already experts investing 10s of thousands already and they barely feel some of their losses. They switch around a lot; nothing turns out to be solid in the end. The reviews on sites like that most likely got started through advertising. Too many people get to review their own systems on Forex sites like that, etc. You never know who the reviewer is. Searching for automated Forex software reviews is almost impossible nowdays since they all say pretty much the same thing and are mostly positive ...

I have read up on many "free Forex signal" reports on the web and I also participate actively on various Forex forums and other Forex related sites. I often find with these particular Forex signals at least my impression is that you get someone looking to be a mentor of some sort for you, they are usually shady and turn out to be lacking when you need them the most. These guys are usually empty handed. They are trying to freelance or whatever so that they can supply systems and build a name for themselves, but the problem is that these are the guys who after so many followers do create a commercial system and then extremely end up failing, their the failed EA newbies to some extent and you want an EA who is an accomplished Forex expert.

One should consider it much better and safer to use an established system that is known to work, and not the work of an aspiring EA, or even worse, somebody who does not have those credentials at all and are just trying to stuff their ego . I have not enjoyed the free Forex signals and find it more like looting through them then finding anything that productive, not much is there or else all the Forex signals would have to be free and would be for everyone, all the best Forex signals would be free. At least that is my concept. I do not want a rookie EA telling me what to do, since the trend in the Forex market nowdays is most definitely for more popular and well established EAs to sell systems, mostly automated software. That is one thing I do not understand, who these people are that clog up the forums with nonsense and think they can compete in the market with actual successful Forex EAs who really know how to trade.

How much you want to trade really depends on you. If you're a Forex starter you need to have a good EA for starters, and while I can not hand pick one for you, I can provide at least one review since I have spent time on the subject, in this article off- site to an excellent EA which i have tried and complies with several of my standards. I feel it is an excellent resource for people like me at least who gets lost on the big stuff. There are many fish in the sea.

How to Make a 6 Figure Income Online in 3 Easy Steps

Feeling overwhelmed by all of the different methods of making money online? Not sure who to trust? Believe me, I've been there! It's very frustrating when people tell you that they are making x amount of dollars online and yet you still can not make a dime. This one of the worst feelings I experienced when I first ventured into the world of making money online. But guess what? I've learned from my failures (yes, there were many of them) and am now making a comfortable living off of the internet. And I am willing to tell you exactly how you can do the same in just 3 simple steps!

1) Will You Allow Yourself Success?

One common mistake that people make when trying to make cash online is that they just jump right into it with little or no background knowledge. This is the thought process of many when they come across a potential method of earning money online. "Oh affiliate marketing, that sounds interesting! I think I'll try that out." But, hey! I was guilty of this too when I first started out. It's very easy to become attracted to something when it has already worked for others. So what is the correct way of starting your home based internet income?

A realistic mindset. Alright before you start regretting that you ever started reading this article let me further explain what I mean by this. Having a realistic mindset means that you have to realize that you will not get rich quick on the internet. As with any other business, the money will come after hard work. And that is another thing, just because you will be working on the internet does not make the work easy. If you want to be successful online you need to realize that you will actually have to put forth an effort. The, "I make $ 500 a day doing only 1 hour of work on the internet!" testimonials are complete crap. So if you are expecting the money to start rolling in with little effort, you mine as well give up now.

2) Consistent Work Will Equal A Consistent Cash Flow

In order to be successful at making money online you need to work hard. There is no way of getting around this. But while this may seem unappealing it can also be directly beneficial to you. One of the great things about making money online is that for the most part you get what you put into it. So if you are working hard every day then you will see equal results in terms of money. So how can you take advantage of this principle?

You need to be consistent. Yes, working hard a few days a week will provide a decent amount of cash to you, but if you are putting in work every single day or even every other day you will see amazing results. And the great thing about consistent work online is that it will ever create a snowball effect. At some point your efforts will begin to work for themselves. Once you get the snowball rolling, the possibilities are endless! This is how people are able to make 6 figure incoming online.

3) There Is Still Something Missing ...

You're probably still wondering what exact method you should be using to make money online. And you should be, because without a model my 2 previous methods for success are useless. But I did this for a reason. Covering the basics is actually more important than how you actually go about making money online. Do not worry though, I'm about to reveal a very reliable method of making a 6 figure income online. All you need to do is implement my previous steps and are guaranteed success.

All I did was use a proven method of making online. For a long time I had tried to research free methods of making a living online and soon realized that it was not likely. So what did I do? I searched different guides available that help kick start your success with a home based internet business. Granted, I did have to spend some money but it was well worth it. Why? Apart from the fact that I am now making a living off of the internet, the system that I used offered information and resources that I would have never been able to access otherwise.

Recognizing Navigational Tools For the Future of Education

I have to laugh when I think of the times I watched the television program, "Flash Gordon," as he putted through outer space in his make-believe space ship, talking on his make-believe wireless radio, and dressed in his make-believe space suit. Well, I'm not laughing anymore. Today we have shuttled astronauts into outer space, have men living in a Space Station, have space suites that take your temperature and gauge your heart rate, and wireless communication devices that send pictures to Planet Earth. Far fetched from reality? Not anymore. As we speak, the future is starring us in the face, waiting to see how we will promote her in the next 5-10 years.

How did science-fiction become reality over the past 50 years? Let's consider one aspect of innovation: the learning environment - post secondary education. Why post secondary education, you may ask? As post secondary education population increases, programs to accommodate students will develop into curriculum that affords students the freedom to create and design systems they toy with on a daily basis. Are there risks involved in this adaptation process? There are risks involved when change occurs, and leadership should be aware of how to diplomatically confront the risk areas that could slow down progress. Some of the risks that could be encountered due to change are:

o Systems risks

o Subsystem risks

o People

o Financial/economic risks

o Societal/Cultural risks

If communication between systems, subsystems, people, and cultures within the organizational environment has established a strong communication system, risks factors will be at a minimum as long as the creative teams are honest and upfront about their reservations to change.

Let's look into the future through 'futureoculers' and see how the universe of learning can be brought into the present. I want to introduce to you five (5) key trends that I believe affect the current learning environment, can create change, and renovate the perspective of learners and educators for students of the future. These trends could be the key in creating a new perspective in post secondary education for an institution. The key trends are:

o Competitive classroom learning environments - campus on-site/online/distant

o Increase in technological tools

o Teaching/learning environments-more hands on

o Global expansion capability-internal and external

o Student input in the creative learning process

Navigational Systems

Before the five (5) key trends are defined, there needs to be an acknowledgement of how the trends will be supported and regulated through a changing environment. According to de Kluyver, and Pearce, II, having the right systems and processes/subsystems enhances organizational effectiveness and facilitates coping with change. Misaligned systems and processes can be a powerful drag on an organization's ability to adapt. Therefore, check what effect, if any, current systems and processes are likely to have on a company's ability to implement a particular strategy is well advised. Support systems such as a company's planning, budgeting, accounting, information and reward and incentive systems can be critical to successful strategy implementation. Although they do not by themselves define a sustainable competitive advantage, superior support systems help a company adapt more quickly and effectively to changing requirements. A well-designed planning system ensures that planning is an orderly process, gets the right amount of attention by the right executives, and has a balanced external and internal focus. Budgeting and accounting systems are valuable in providing accurate historical data, setting benchmarks and targets, and defining measures of performance. A state-of-the-art information system supports all other corporate systems, and it facilitates analysis as well as internal and external communications. Finally, a properly designed reward and incentive system is key to creating energy through motivation and commitment. A process (or subsystem) is a systematic way of doing things. Processes can be formal or informal; they define organization roles and relationships, and they can facilitate or obstruct change. Some processes or subsystems look beyond immediate issues of implementation to an explicit focus on developing a stronger capacity for adapting to change. Processes/subsystems aimed at creating a learning organization and at fostering continuous improvement are good examples. As an example, processes or subsystems are functional and maintain the operation of the system; the system may be Student Services and the subsystem may be the Financial Aid office or Admissions. Subsystems can be more in depth in relation to office operations, which involves employee positions and their culture; financial advisors, academic advisors, guidance counselors. These operations are functions performed on the human level and could have a positive or negative impact in the development of key trends. If employees are valued and rewarded for their dedication and service, the outcome will be responsible, committed employees for the success of their subsystem.

The Navigator

Every navigator needs a map, a plan, a driver to give direction to for a successful trip. In this case, the driver is several elements:

o Service integrity, reputation

o Affordability with an open door concept

Hughes and Beatty relate drivers as Strategic drivers; those relatively few determinants of sustainable competitive advantage for a particular organization in a particular industry or competitive environment (also called factors of competitive success, key success factors, key value propositions). The reason for identifying a relatively small number of strategic drivers for an organization is primarily to ensure that people become focused about what pattern of inherently limited investments will give the greatest strategic leverage and competitive advantage. Drivers can change over time, or the relative emphasis on those drivers can change, as an organization satisfies its key driver. In the case of post secondary education, drivers help measure success rates in the area of course completion ratio, student retention, and transfer acceptance into a university and/or the successful employment of students. Because change is so rampant in education, it is wise for leadership to anticipate change and develop a spirit of foresight to keep up with global trends.

Drivers can help identify the integrity of internal and external functions of systems and subsystems, as mentioned previously, by identifying entity types that feed the drivers' success. They are:

o Clientele Industry - external Market - feeder high schools, cultural and socio-economic demographic and geographic populations

- Competitors - local and online educational systems

- Nature of Industry - promote a learning community

- Governmental influences - licensed curriculum programs supported by local, state, and federal funds

- Economic and social influences - job market, employers, outreach programs

o College Planning and Environment - internal

- Capacity - Open door environment

- Products and services - high demand curriculum programs that meet, local, state, and federal high demand employment needs

- Market position - Promote on and off-campus activities that attract clientele

- Customers - traditional and non-traditional credit and non-credit students

- Systems, processes, and structures - trained staff and state-of-the art technical systems

- Leadership - integrity-driven, compassionate leadership teams

- Organizational culture - promote on-campus activities promoting a proactive environment for students

According to Hughes and Beatty, these functions can assimilate into the Vision, Mission, and Values statements to define the key strategic drivers for developing successful environments.

Navigating Towards a Destination

With the recognition of systems, subsystems, and drivers, we can see our destination in the distance and their value in building a foundation to support the five key trends. The five (5) key trends will help define strategic thinking in a global perspective; the understanding of futuristic thinking that encompasses: risk taking, imagination, creativity, communication among leadership, and a perspective of how the future can fit into today's agenda. The five (5) key trends are:

1. Competitive Classroom Learning Environments - campus on-site/online/distant

One of the major attractions in education today is to accommodate a student at every level: academically, financially, and socially. These three environments are the mainstream of why one school is selected over another school. Today there is a change in tide. Students who once competed for seats in post secondary schools are becoming a valued asset as post secondary schools compete between each other for students. High schools are no longer the only feeder into colleges. Today, students are coming from home schools, career schools, charter schools, high risk schools, private schools, religious schools, work environments, and ATB tested environments. So, how can the educational system attract students and keep them motivated in an interactive learning environment they can grow in? Wacker and Taylor writes that the story of every great enterprise begins with the delivery of a promise, and every product a great enterprise makes is nothing but an artifact of the truth of that promise. So what great enterprise can be created to attract new students? By creating learning/teaching environments, post secondary schools can prepare students to meet the demands of everyday life and their life in the community. Schools can consider incorporating a learning model to enable professors and/or community leaders/entrepreneurs to team teach in the classroom/online environment. Team Teaching will contribute valuable views into the learning environment, as well as, give students the working community's real-time perspective. In an excerpt from "The University at the Millennium: The Glion Declaration" (1998) quoted by Frank H.T. Rhodes, President Emeritus of Cornell University, for the Louisiana State Board of Regents report, Dr. Rhodes wrote that universities are learning communities, created and supported because of the need of students to learn, the benefit to scholars of intellectual community, and the importance to society of new knowledge, educated leaders, informed citizens, expert professional skills and training, and individual certification and accreditation. Those functions remain distinctive, essential contributions to society; they form the basis of an unwritten social compact, by which, in exchange for the effective and responsible provision of those services, the public supports the university, contributes to its finance, accepts its professional judgment and scholarly certification, and grants it a unique degree of institutional autonomy and scholarly freedom. To experience education is learning, to exercise knowledge is freedom, and to combine them is wisdom.

2. Teaching/learning environments-more hands on

As post secondary educators relinquish hands-on-chalk-board teaching styles and establish group teaching models, students will develop a greater understanding of the theme of the class environment as well as the professor in developing an understanding of the class cultures' stance in learning. Educators are discovering that inclusive learning styles are revamping the teaching model and becoming a positive influence in retention, better grades, camaraderie among students, and a greater respect for the professor. As professors learn to develop relationships with students, interaction will transpire, lecturing will be condensed into a time frame and interactive learning between students and professor will enhance the classroom environment.

3. Global expansion capability-internal and external

Students are surrounded by virtual global environments or are impacted by global elements: the clothes they wear are made overseas, the games they play on their electronic toys are created overseas, the war games they play are created to identify with global war games, etc. The only draw back to this scenario is a truly global learning experience. What they are seeing is not what they are getting; a real time global experience. James Morrison writes that in order to meet unprecedented demand for access, colleges and universities need to expand their use of IT tools via online learning, which will enable them to teach more students without building more classrooms. Moreover, in order for professors to prepare their pupils for success in the global economy, they need to ensure that students can access, analyze, process, and communicate information; use information technology tools; work with people from different cultural backgrounds; and engage in continuous, self-directed learning. Christopher Hayter writes that post secondary schools need to be 'Globally Focused' for the 21st century that includes a global marketplace and be internationally focused. This means ensuring that skills needed to compete in a global marketplace are taught and that the mastery of such skills by students is internationally benchmarked. It may also mean a new emphasis on learning languages and understanding other cultures and the business practices of other countries.

More and more businesses are expanding into the global marketplace, opening corporate offices in foreign countries and hiring and training employees from those countries. Are our college graduates being trained to assimilate into cultures and work side-by-side with employees who may not be able to relate to them? Developing curriculums accommodating social and cultural entities will propel a student into higher realms of learning and create change in the individual student as well as support their career for their future.

4. Student input in the creative learning process

Professors are the gatekeepers in education. However, as Baby Boomer Professors begin to exit the educational workforce and head down the path of retirement, younger generation professors will take their place bringing with them innovative teaching methods that can expand the learning process. Are post secondary educators equipped to prepare for the onslaught of younger generation educators needed to be trained for this mega shift in the workforce? Most important, will those professors caught between Boomers and Xer's be willing to adapt to change in the education industry to accommodate incoming generations? I believe younger generations will impact even the technological industry and challenge change that will equip them for their future. Previous generation students slowly adapted to technological advances. The good news is change can occur, and educators can utilize life experiences from students familiar with technology tools and create fascinating learning environments.

5. Increase in Technological tools

In an Executive Summary written for the National Governors Association in a report called "Innovation America - A Compact for Post Secondary Education," the report reads that while post secondary education in the United States has already achieved key successes in the innovation economy, the public post secondary education system overall risks falling behind its counterparts in many other nations around the world-places where there have been massive efforts to link post secondary education to the specific innovation needs of industries and regions. According to this report, American post secondary education is losing ground in the race to produce innovative and imaginative realms in education. Can this trend be counteracted? With the cooperation of post secondary educational institutions within each community, leadership can create co-op learning environments that can be supported through e-learning and online teaching that can provide virtual reality technology to enhance real-time learning environments. Through Business Development operations currently established in post secondary institutions, a shared technology program can be created that will afford students access to ongoing virtual business environment settings and prepare students with knowledge and insight into a specific industry. As students prepare to transfer, graduate, or seek employment after completing a certification program, virtual experience in the job market can help a student assimilate education and work experience to their advantage. This concept could challenge Human Resource departments to create new mandates in accepting virtual-experienced college graduates as they enter the workforce.

Reaching the Destination

As Flash Gordan lands his Spacecraft on unclaimed territory, you imagine yourself slowly turning the handle to the spaceship with your spaceship gloves, opening the door with explosive anticipation. Your heart racing, sweat running down your brow, and your eyes at half mask waiting to see a new world; a world filled with beauty and potential when suddenly, the television shuts off and your Mom is standing in front of you telling you to get up and go clean your room and stop daydreaming! Ah, Mom, you say to yourself, you just destroyed my imaginary planet! Oh, by the way, did I mention that this was you as a child growing up and using your imagination?

Now that I've created a visual world of potential for you can you see the power within to see the future from the present and help others visualize the potential benefits of change in their lives and the lives of others in an organization? T. Irene Sanders states that thinking in pictures helps us link our intuitive sense of events in the world with our intellectual understanding. Now, more than ever, we need to integrate the techniques of imagination and the skill of intuition with our analytic competencies to help us see and understand the complexities that vex us daily. Visualization is the key to insight and foresight-and the next revolution in strategic thinking and planning.

Can you SEE the systems, subsystems, drivers, and the five (5) trends with a visual perspective in a post secondary educational environment? This is the nature of Strategic Thinking, which can or is taking place in your organization; a cognitive process required for the collection, interpretation, generation, and evaluation of information and ideas that shape an organization's sustainable competitive advantage. The need to stay abreast of progress, technology, and global opportunities will be the change in drivers that will validate the creative elements needed to stay attuned in a global perspective. The author's intention of introducing Flash Gordan into the paper was to create a visual image and demonstrate imagination fulfillment to a present day reality. Is there anything out there that cannot be done if it is fine tuned and prepared for a service of excellence? What are the risks involved by not exercising strategic thinking in the elements mentioned in this article?

Education is not about the present it's about the future. The five (5) trends are only a beginning adventure into an unknown space. Do you remember when you were in college and wished things were done differently, be more exciting, more adventurous? Consider the age groups becoming proficient in technology. Will post secondary educators be prepared to teach/instruct future students? Educators must invite strategic thinking into the system and take the risks needed to build post secondary education back into the global futuristic race of achievement. In an article written by Arthur Hauptman entitled "Strategies for Improving Student Success in Post secondary Education" (07), he concluded his report listing four elements:

1. While there is a growing rhetorical commitment to student success, the reality is that policies often do not mirror the rhetoric. Whether intentional or not, policies in many states are at best benign and often antithetical to improving student success.

2. Policy focus in most states has been to lower tuitions or the provision of student financial aid. This ignores the importance of ensuring adequate supply of seats to accommodate all students as well as providing a proper set of incentives that encourage institutions to recruit, enroll, and graduate the students who are most at-risk.

3. Some progress has been made in developing contemporary practices that have great potential for providing the right incentives in place of redress this traditional imbalance. But much more needs to be done in this regard.

4. Efforts to create incentives for students to be better prepared and for institutions to enroll and graduate more at-risk students have the potential for greatly improving rates of retention and degree completion.

Can the five trends be a stepping stone in rebuilding or strengthening the weakest link in the system? The evidence of deficiency is public, and that's a good start. Educators have the choice to rebuild and prepare for the advancement of our future; our students. I encourage you to take the five (5) trends and see how they can accommodate your institute of higher learning.