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.

Life Success Learning to Create Positive Habitual Behavior & Overcoming Negativity

The first and sometimes most important success habit that must be formed is one of positive thinking. Dwell on the positive exit that's desired and avoid thinking about anything that's not wanted. Nothing will ensure failure faster than the very thought that the failure will occur. People say that it's absolutely normal for negativity to creep into our thoughts. Be that as it may, any negative thought has to be banished immediately and replaced with a positive one. This simple, yet effective technique, practiced regularly can help you move towards success like nothing else.

Forget about the past, it's gone and there's no going back. Regardless of what's happened before, today is a new day. Holding onto the past ensures that you'll stay right where you are in life. Letting go of past failures allows you to see the potential for future success and to move towards it. Realize that any past failures, real or imagined, were purely lessons that you thought to this moment in time. Appreciate the education you received and bravely move towards success with the knowledge you've gained.

Overcome the desire to put things off until another time. For most people that procrastinate, another time never comes. Things pile up over time and there's no way to catch up, adding to frustrations and even more procrastination. Whether it's taking out the trash or calling a client, get to it right away. Only by getting straight to work and finishing tasks can success really be accomplished. Practice this non-procrastinating lifestyle and you'll soon find not only that things are being accomplished, but that you have time left at the end of the day too.

Another important aspect of success is the ability to manage time. It can be very easy to lose track of time and difficult to get back on track. Keep track of everything you do during an average day and how much time it took to do it. Go through an entire week of this. Now evaluate and see what should be adjusted or eliminated for optimal time management. Continue to develop a schedule that allows maximum time for every activity. Include all your business and personal time in this and you'll soon find a workable and even profitable schedule for yourself.

Develop the confidence to go forth and conquer. Knowing a thing can be done and believing you can do it are two entirely different things. It's vital to your success and the success of all of your endeavors that you are confident in your self. Confidence shows through everything you do and it affects your ultimate success more than you think. Carry yourself importantly, speak with authority, be secure with yourself and walk tall. Believe in yourself and your ideas and present them with passion. Do these things and others will recognize your confidence and want to be associated with you.

Success is not a matter of predestination, it depends upon the will of the seeker. With the will to succeed, it's possible to do anything you desire. It really is as simple as that, despite the general tendency to believe otherwise. Over and over again, success stories appear that portrait down and out individuals that executed their own free will to rise above. Exert your will over the situations in your life, change them to suit you and your goals and success will follow.

What is success? Is it money, power, health or spirituality? Success means different things to different people. For some, success can only be seen in the form of financial gain and power. For others, success means a happy, healthy family with only the basics of life. Regardless of how it's defined, success is possible with the proper application of some basic habits and the development of key character traits.

The Five Components of a Business Strategy

Can you define exactly what makes up a business strategy? Some people say no, but we think you can.

In fact, we believe a valid business strategy has five components:

1. Your company's current or desired core competencies
2. A description of how you will differentiate vs. competitors
3. The industry or industries in which you intend to compete
4. The initiatives you plan to implement in the areas of marketing, operations, information technology, finance and organizational development
5. A financial forecast that shows how your plans will meet stakeholder requirements over the next 3 to 5 years

Let's look at each of these components .

The first component of a valid business strategy is a clear description of your company's current or desired core competencies.

You may be thinking, "Great, but what's a 'core competency?"' While there are many definitions, here's a good one from Wikipedia:

" ACore competency is something that a firm can do well and that meets the following three conditions:

• It provides consumer benefits
• It is not easy for competitors to imitate
• It can be leveraged widely to many products and markets.

A core competency can take various forms, including technical / subject matter know how, a reliable process, and / or close relationships with customers and suppliers. It may also include product development or culture, such as employee dedication. "

For example, we could say that Southwest Airlines is a reliable airline that offers low fares. But in order to provide those benefits, it has to have certain "core competencies," important capabilities that enable it to have low fares and to be reliable. We believe that Southwest Airlines has four core competencies that it executes so well that it regularly beats all other US airlines in terms of profitability.

These core competencies are:

• The lowest operating costs per plane
• An economic point-to-point airport network
• A fanatical culture focused on customer service and cost savings
• An ability to keep planes in the air more of the time than its competitors.

Southwest airlines could not offer the benefits of low prices and reliable service if it did not master these core competencies. What key benefits do you want to offer your customers? What core competencies do you need to master to provide them?

The second component of a valid business strategy is a description of how you differentiate vs. competitors.

In our experience, differentiation is about being the best at something. This should be encapsulated in your mission statement - what are your company's aspirations and how are you going to beat the competition? We just talked about how Southwest Airlines differentiates - what are you going to offer customers that will make them choose your products or services so that you can grow your business?

It takes a lot of hard work to come up with a great answer to this question and even more work to make that difference real. It's easy for us to say that Southwest is the best low-cost airline in the US, but it's extraordinarily difficult for them to pull it off.

The third component of a valid business strategy is a description of the industry or industries in which you intend to compete.

You need to be able to define just what kind of company you are - are you a furniture manufacturer? A gift card retailer? A consulting firm, a bearings distributor, a toy importer, etc.? This step sounds easy but we find that companies are often so concerned about getting too narrow in their focus that they fail to become really clear about what they want to do. A company with a good business strategy will have thought through these issues and made the hard decisions necessary to clarify its identity. If it has, it can easily pass the litmus test of identifying the industry or industries in which it operates.

The fourth component of a business strategy is the set of initiatives you plan to implement in the areas of marketing, operations, information technology, finance and organizational development.

These are the plans that guide your company's focus and resource allocation over the next several years. If your business strategy is specific enough to be relevant, you will have detailed plans in all of these areas.

The fifth component of a business strategy is a financial plan that forecasts the results you expect to get from your plans and illustrates how they will meet stakeholder requirements over the next 3 to 5 years.

Your strategic planning process can not be separated from your annual budget process. In the vast majority of companies, if it's not in the budget, it does not exist. That's why you have to have a very senior financial person on your strategic planning team, preferably the CFO. During the planning process, your team must agree a financial plan that estimates the results of implementing your strategy. This plan needs to earn the approval of your company's management and board and should be reviewed on a regular basis to track results and make refinements.

So - those are the five components of a valid business strategy. Good luck planning your success. And succeeding because you plan.

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

Ways Young People Can Win With Money

Learning about money while you are still young is an awesome idea. Let me give you a few ideas that young people can use to really win in their financial lives.

Being realistic is key. And winning with money is realistic! This means you should use common sense, investigate investments, the markets, and the opportunities you are interested in. Read the fine print. If you were to take on debt, ask yourself if it would be worth it, or if the debt would be like an anchor. Again, be realistic. Look at the real consequences of the actions you could take. Good actions should be turned into habits.

Consider entrepreneurship. Write down business ideas. Learn the skills you need to succeed. See if your business idea is feasible by testing your product or service. If it is, type up a business plan, and get to work. Make the phone calls and do the web searches necessary to find the information you need.

Join a club or society for young entrepreneurs. Earn a business degree. The more you can learn about business, the better off you are. Being around and networking with other goal oriented, ambitious entrepreneurial types is a boon to your success. Being around the total risk averse and the complacent is not a boon to success.

Work hard at your job and / or at your business. Make a good name for yourself. If a job does not work out, do not trash your goal of being rich. Just keep plugging away and learn from your mistakes. Sales or customer service would be a good starting point if your first job is not running your own business.

While (and if) you live with your parents, sock away as much money as you can. W. Clement Stone once said, "If you can not save money, the seeds of greatness are not in you."

Learn about investments, by taking an investments class at your high school or college (taking a few more classes is better). Economics is good thing to study too. Finance and economics are tough courses but are very worthwhile. Read extracurricular books and read about your interests.

Winning with money is not always easy. Self discipline, sacrifice, frugality, hard work, managing risk, reading books, and holding on to your long term vision are essential to your success.

Money Or Excuses - How You Doing?

What is difference between those who make money and those who do not. Its been stated by successful people with certainty and congruence, "People can make money or excuses but they can not make both."

This is the truth. All of us come to this world with choices in our financial life. We have the choice to keep moving forward with perseverance and responsibility for every step we take of the process, or just stop and let everything we did go undo or slow down. Well, I am sure you know what path to take for getting the results you want. Unfortunately, most people stop and never dig deep to their dreams.

Well, when people first strive to go for their dreams about making money, they quickly stop when the going gets tough, and they look for people who will agree with them, so they can stop - and they do. Unfortunately, they never reach the level they had in their dreams which was - work on the Internet from home. Think about it, making money or an excuse is a choice everyone has in life. Which legacy would be the best to leave your kids? We are leaving a legacy behind one way or another.

The Internet has open an awesome opportunity to most of the world. As far as financial means, we can earn money on the net. So I could not create an excuse good enough even if I wanted to. I had to put my head down and ignore the comments many people had for me, since I worked so hard and long without making money on the net.

Going back to that quote, I have found so much more truth on "money or excuses" statement. I mean is not that life? I have the tendency to get lazy and listen to the wrong people and I also feel like quitting. I realize the price successful people went through, and I make it a reminder in my own life, whenever I weakened to the common human level.

My question to you - How are you doing? Are you choosing the good life or are you settling for the common one? Have you ever notice that every time we encounter a difficult challenge, we look around for the wrong people, because we are not looking for strength or direction, but we are looking for sympathy. You need to ask this questions. You might find these questions a way to determine your journey.

Am I focusing on success or failure during my progress?

How am I thinking about my future as I follow my progress with the ups and downs?

Do I believe in the system that I am following or am I looking for a good excuse?

I have two ideas that can help you on your weak moments and stop you from derailing into excuses.

Focus on moving forward-lift your partners and update your goals and your system to reach them.

When you look back, just check your improvements and how else can you improve the past - all about improvement.

The people who succeed are the people who prevail, and make no excuses - because there is NONE !!!

Respectfully,

Efren Maldonado

Resume for Chief Auditor

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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!

The Gold IRA Rollover: Learn How to Invest Like a Billionaire

It's been said that imitation is not only a great form of flattery, it's also the best way of learning and modeling on the success of others. If it's financial success you're looking for, what better role model could there be than a billionaire?

What Billionaires Know

Though their world views may have little in common, billionaires like George Soros, John Paulson, and Carlos Slim have all admitted to holding a part of their wealth in gold. Even Warren Buffet, who personally prefers what he calls "productive investments," admits that gold has served investors well especially during times of inflation.

Do you remember those dark, dark days of 2008 when the stock market's near crash caused retirement accounts to lose $ 2 trillion in a mere 15 months? Guess where your money could've been at that very same time gaining in value instead of losing it?

That's right, gold.

Had you purchased gold in 2001, by 2011 you'd have seen your investment grow by 700%. Let's say that again: a growth of 700%. This same decade was also one of the rockiest economic periods in human history. As the stock market fell, gold thrived. Why? Because when the stock market tumbles and big money investors look for other safer places for their money, precious metals is often where they go.

Could this all happen again? Well, today we're inside the largest stock market bubble in history. Many experts believe it's only a matter of time before that bubble bursts again. If you do not want to again see your retirement accounts lose their value because of another collapse of the economy, the time to change your investment process is now.

Why the Billionaires Own Gold

Gold is nature's hard asset. Gold has been civilization's store of value for thousands of years because gold is a tangible and finite resource with high intrinsic value. Gold is an alternate form of money all over the world. (It was mentioned in the Bible 417 times.) Gold is not subject to the sections of dilution and devaluations of other paper investments like stocks, bonds, and mutual funds. Neither is the value of gold at the mercy of governments or financial institutions. It can not be printed like money, and unlike stocks, it will not ever merge or split. Gold historically moves against the direction of the stock market. Billionaires know that gold is an excellent way to reduce the volatility and vulnerability in their capitals.

If you want to protect and preserve your wealth, there's no better place than gold.

When Is the Best Time to Buy Gold?

Many market oracles believe, at the time I'm writing this, that gold is in the final stage of a bear market. Some experts believe that at current prices gold is still undervalued by as much as 50%. This may be the epic rise that gold experts have been overing over the years.

But even if it does not experience an epic rise in value, gold is still a necessary means to protect the value and diversify the portfolio you've got.

The best time to buy gold may be now.

How to Bring Gold into your IRA

If you have a self-directed IRA , you can direct some of your IRA funds to be invested into gold. The only requirement is that the gold meets certain purity and refinement standards. The easiest way to invest in gold is through a self-directed IRA.

A self-directed IRA investment is like a regular IRA except that you the investor get to choose how your IRA funds will be invested instead of the trustees or custodian. This gives you flexibility to invest your money in whatever way you feel comfortable. It can also ensure that you are always aware of where your money is and how it is being invested.

In this IRA the gold does not get delivered to you once you purchase it. The reason for this is that delivery of the gold would be considered a disbursement of your IRA and you would probably be obligated to pay penalties. Therefore, once you've decided to put your money towards gold, you will then have that gold delivered and held for you at a designated depository. You will be informed when your gold reaches the depository and you will never have to worry about your gold ever being taken out of the depository or used by anyone but you.

Learn What the Billionaires Know

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Money and the Laws of Value

One summer day a hen was on the look out for food on a farmyard. As she scratched at the straw on the ground, she unwrapped a diamond jewel. The hen suspect that the jewel might be valuable because of the way it glittered in the sun.

This object is probably worth a lot, the hen thought to herself, but I will trade a bushel of this diamond for a single bushel of corn. (One bushel of diamond is worth about 20 million tons of corn)

What is true for the hen is also true for human beings. People can not use money better than their level of appreciation of its power. If you are primarily a consumer you will only be familiar with the consumption power of money - what money can buy. An investor is very familiar with the reproducible power of money - How money can multiply. A business man is familiar with the production power of money - How money change forms into valuable products and services. Money has no power in itself to change your financial personality; it however has the power to magnify your financial nature.

Money as a Store of Energy

Money is a store of economic energy. Without the awareness, acquisition, organization, and perfection of these internal values ​​in any man, wealth creation in a sustainable manner is impossible. Poor resulting from lack of cash or tangible assets is temporary and easily curable; however, poverty resulting from lack of discovery or awareness of these internal sources of wealth is permanent and can not be cured by the acquisition or possession of money or tangible assets . Attempting to cure malaria by the use of pain relieving tablets is at best a temporary solution. Unfortunately, most people looking for money usually neglect and disrespect their internal primary source of wealth. According to Mark Victor Hansen "You do not have wealth, you are your wealth" ! The earlier you come to the full realization of this universal principle, the quicker you will be on your journey to financial success.

External sources of values ​​are those invisible assets outside a person that is reliably fixed and is accessible to every man equally. These include: Time, Problems, and Relationships. Everyman has equal access to these three variables; and they are unavoidable raw materials for the creation of every form of tangible wealth.

Money Creation Process

Three variables therefore determine the quantity of money a person can legally create over a given period of time: The number of internal sources of wealth discovered and properly harnessed; Amount of external sources of values ​​efficiently utilized; and how much of the outputs of the combination of those variables that is successfully delivered to those who need them in exchange for money. For instance, the income that an employee will extremely earn will be determined by how much of his talents, passions, and skills he is able to discover, improve, and convert to expertise. Combined with how well he is able to manage the time, opportunities, and relationships available in his work to generate and deliver the expected results consistently over a period of time.

Laws of Value

Since we now understand that, value is the source of money; and that money can not exist alone without corresponding value; understanding the principles and laws of value will enable us create and sustain money in a legal and enduring manner.

# 1 - Law of Value Flow

" In every human relationship or interaction value is always flowing but money may not"

Since value is an invisible carrier of money, you may be gaining or losing money without you being consciously aware of it. Every time you come in contact with or spend some time with people, you will either increase or decrease your cumulative value if or not money exchanged hands during such interaction. That means if you are in a high paying job, but spend a lot of time with people with poverty mind set or low expectation individuals; your net cumulative value will gradually reduce to reflect your dominant mind set. This will naturally reduce your productivity on your job resulting in stagnation or ultimate downsizing! Conversely, if every time you have a meeting with a prospect he comes out feeling he has added more value than he has during the interaction; he'll seek more opportunities to receive such values, on a more frequent basis - which means the consummation of a business relationship and the signing of contract!

On a daily or weekly basis, if your interaction or association is more with those who drain value from you without offering equivalent or more value in return, you will eventually become money poor.

# 2 - Law of Multiple State of Value

"Value like water has three states, as long as value keeps flowing, under the right circumstance and conditions, it will freeze to tangible money"

Many people get discouraged when they begin to offer value and they do not immediately receive the money equivalent of such values. Such frustration often leads to compromise, mediocrity in service delivery, untimely resignation, and quitting from entrepreneurial venture. But, think about it this way, it takes time for water to become ice in a deep freezer even under the consistent application of electrical power. Even when you are delivering value consistently, it takes some time for the value to be appreciated and recognized for its money worth by other people.

Most of the world's leading successful people have gone through times when the values ​​they offered were not immediately rewarded with money. Zig Ziglar in his autobiography stated that his first 3,000 speeches were given for free. Anthony Robbins - the restructured author and personal achievement expert said that "in his first six months as motivational speaker, all his statements were given free, and he had an average of 5 speaking engagement every day".

# 3 - Law of Value Exchange

"Value must be greater than or equal to price"

Think about the last time you paid $ 20 for your transportation fare. Was it because you liked the driver of the vehicle? Or because you believed that trekking the same distance will have more adverse effect on your health and finance. Human Beings are naturally selfish. They will not willingly give out an amount of money unless they have convinced them that the product or service will deliver to them more value than the price they want to pay for it.

Marketing is there an honorable service of helping people enjoy more value than the price they pay for the product or service that solves a particular problem in their life or business. A marketer is not a money taker; he is a value giver and a solution provider. Many technically sound people shy away from marketing their products with zeal because of psychological guilt fueled by ignorance of the law of value exchange. Not selling your product denies someone from enjoying the benefits it offers and slows down the growth of the nation's economy.

Join A Syndicate And Learn How To Combine Numbers For Betting Lotto

When one talks about how to combine numbers for betting lotto, it is reasonably they are speaking about the use of lottery wheels which are best used in conjunction with software. Yet playing a full lottery wheel can be extremely expensive. A wheel takes all the numbers you wish to play and comes up with every possible combination. One way around this is by joining forces with other like minded players and forming a syndicate. This is essentially a group of people who pool financial resources and purchase more tickets. This enables them to use sophisticated software to choose more numbers and so increase their chances of winning smaller prizes as well as the jackpot.

Avoiding Repetition

Beside learning how to combine your numbers for betting lotto with a wheel, there are a few other things that syndicate members must know. Do not bother with the computer quick pick as research has shown that manual picks win more than twice as many prizes as a quick pick. Your lottery software will also inform you if your pick matches a previous winning line. The odds of a certain sequence of numbers being picked once are long enough, instances of a six number combination being picked twice in a lottery draw's history are essentially non-existent. Also avoid sentimental picks as these will do nothing for your chances. The balls drawn have no feelings and do not care if 17 was the date of your first kiss!

Good Things In Small Packages

Syndicates will live and die on the amount of smaller prizes it wins. Lottery wheels are an excellent way to win the smaller prizes and such success will keep the syndicate interested. Let's face it, if your group wins nothing for a year, it is more likely to disband than continue throwing money into the lottery. Trust in your lottery software to come up with the statistical analysis and use it when formatting your system. Never deviate from the system due to 'instincts' because the lottery is all about probability, not superstition.

If you do not draft up a formal syndicate agreement, you could be leaving yourself open to problems later down the line in terms of tax and ownership of winning tickets. If you are setting up a syndicate, deal with all the red tape first before choosing the lottery strategy that will set up the entire group for a massive windfall.

Writing Your Affiliate Home Business Plan

Here's a typical scenario: You are deciding to start a home business and suddenly everyone you know has his nose in your business, literally. What do you tell them? And how do you answer your own questions? What should you expect from the company in terms of stability, longevity, vitality, trust, income, and so forth? First the bad news: there are no guarantees. Then the good news: there is plenty of information from which to draw your own conclusions. The internet is huge, and any good company will offer free marketing tools and training.

But back to the WHY of that business plan. You're going to be starting small, slow and boy! is there a lot to learn. What's the point of actually sitting down and writing a business plan? You're not Bill Gates, this is not Microsoft, just you in your home office a few hours a week, slowly building an online business presence, not really understanding what the heck you'll be doing.

Relax and breathe. Unlike Mt. Rushmore, your plan will not be designed to withstand the weathering of the ages. You can expect it will change and bend with the flow of your real experiences, which will be totally yours, not identical to anyone else's.

What writing your plan will do is cause you to pause, think, dream, study and focus. The written document, whether it is one page or twelve, will give your business a framework to work within. The internet is vast and seemingly endless. It is easy to lose focus and drift away on a different whim or idea every day. Understanding where you are today, what tools you have to work with, what your goals are, and how you can best achieve them and measure your success, will help you stay on target and not waste what few hours you may be investing in your business at start-up.

Whenever you feel lost or confused, you can return to what you have written. When you analyze your situation and decide to make a change, rewrite that part of the plan. Understand that it's a living document, intended to grow with you and your business. Your business plan is your friend.

Getting Started with the Business Plan

First you need to study the company and its management. You need to read and learn about the products, the compensation plan and the network structure. See you next month. Just kidding.

Plan on doing SOME reading each and every work day for the next few months, if not indefinitely. Keep up with the company forum entries every day; read something in the training reports every day. Your education will continue. Plan for it.

When you are ready, open up a Notepad window and answer these questions:

What service / products does your business provide and what needs does it fill?

Who are the potential customers for your product or service and why will they purchase it from you?

How will you reach your potential customers?

Where will you get the financial resources to start your business?

Ok. Maybe your company offers many products and services. What do you want to focus on? I suggest that, at first, you focus on one or two products and / or the affiliate opportunity. In other words, keep is simple. Once you get the hang of what you're doing, you will KNOW when it's time to expand. Do only what you are comfortable with, every step of the way. This is YOUR business, it's your right and privilege to decide on your approach.

Internet marketing hinges on building trust. How will you do this?

Reaching customers means marketing. Your decision, once again. And again, the options should be in your company's training materials.

So we're talking developing a reading / study schedule. Here's a possible list, once you've read enough to make your own decisions to answer the above questions, start writing. Your writing can be lists of words and phrases, free-form brainstorming, outlines, mind maps, whatever works for you. Just write it down, and do not forget to save often. If your home office is affiliated by cats or small children, they have the tendency to press on random keyboard keys. Documents do occasionally just disappear. Saving avoids total disaster.

1. Study the products.
2. Read the training materials.
3. Read about decisions, bonuses, etc.
4. Study the marketing aids and strategies
5. Find out what free tools are available.
6. Visit the forums on a regular basis. Read everything about getting started.
7. Ask questions.

Your final written business plan will have at least four parts:

Introduction / background: history of the company and its founder, internet marketing trends, why THIS company and why NOW, and so on.

Goals: I suggest you think of what you would like to be learning in two years, but mainly focus on goals for your first year. Realistic goals can be planned based on info on the company website, in newsletters, searches on the forums, and focused questions to other affiliates.

Marketing plan: based on your answers to the first 3 questions above and your study of marketing aids and tools.

Action plans: the specifics of what you will do on a monthly, weekly, and / or daily basis for the next year.

I can not tell you what your answers should be, because you have to decide how much money you have to invest. Only you can decide how many hours per day, week or month you can invest in your business. What products you feel most comfortable marketing, and who you decide to target as your customer base, are all decisions only you can make. If you get stuck and do not understand a question, do not know where to find information, or do not know how to ASK a question, contact your sponsor or someone in your upline. If they can not help you, they should be able to send you to someonewho can.

You should NEVER feel alone. Work should be FUN! ...

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.

Keys to Learn Options Trading

Options trading - maybe you have heard about this and your interest lead you to visit this page. If that is your reason, you are in the right site. From here you will know what does that term means through some keys that will help you to learn options trading.

Way back from the ancient times, people seek different ways to get what they need and want. They engage in different kinds of trade and find ways to exchange their products and services in order to gain things in return, in the form of money, other products or services and others alike. The same thing goes as time passes by.

The concept of trade development synchronizes with the use of modern technology. One component of trade known as the market is highly influenced by this change. The world is known today as borderless due to the advancement in communication, primarily in the use of computers to connect to the internet, helping people from around the world become able to connect with each other. This causes traders to gain a big market not just locally but internationally.

This situation calls for many people to engage in the trade business. They are developing different avenues in order for them to insure success. One way to this is to learn options trading.

Options trading is a unique way to trade. Unlike holding shares in a company, here, you are not holding physical stocks. In here, you are having an arrangement or contract with another trader that one party will send something to another in a particular period of time in a particular price. This trade will become effective based on the strategy and approach that a trader will use. In its years of occasion, options trading already proved that it is an effective form of trade based on its flexibility.

The presence of losses is always present in any form of venturing into trade. People may be limited by this fact and become afraid of trying new things. But an option trader can overcome this attitude by simply finding options trading strategies. This will serve as his weapon to his victory.

Sources where you can find effective trading strategy are freely available in the web. Reading materials such as newsletters are available in some trading sites. You can also seek help from those people who are also in to options trading by reading their blogs and joining a group and participating in some forums. You can also subscribe or join webinars about it if you want a formal discussion about your concerns regarding options trade with bonuses such as handouts, manuals and other reading materials where you can find additional information about the subject matter.

So what are you waiting for? If you want to save more for your future; if you want a worry-free and early retirement; if you want to gain financial security, stability and freedom; this is an avenue for you. Learn options trading and engage into it then you will see yourself enjoying its benefits. It is just a matter of trying a new thing for there will be no loss for you but you will gain from it. Come on now! Lift a finger and reach your success!

Online Bitcoin Trading: Discover The Keys To Earning A Formidable Income Trading Bitcoin

Step 1 - Understanding Bitcoin And The Block-Chain

Bitcoin is a peer-to-peer payment system, otherwise known as electronic money or virtual currency. It offers a twenty-first century alternative to brick and mortar banking. Exchanges are made via "e wallet software". The bitcoin has actually subverted the traditional banking system, while operating outside of government regulations.

Bitcoin uses state-of-the-art cryptography, which can be issued in any fractional denomination, and has a decentralized distribution system, is in high demand globally and offers several distinct advantages over other treaties such as the US dollar. For one, it can never be garnished or frozen by the bank (s) or a government agency.

Back in 2009, when the bitcoin was worth just ten cents per coin, you would have turned a thousand dollars into millions, if you waited just eight years. The number of bitcoins available to be purchased is limited to 21,000,000. At the time that this article was written, the total bitcoins in circulation was 16,275,288, which means that the percentage of total bitcoins " mined " was 77.5%. at that time. The current value of one bitcoin, at the time that this article was written, was $ 1,214.70 USD.

According to Bill Gates, "Bit coin is exciting and better than currency". Bitcoin is a de-centralizedized form of currency. There is no longer any need to have a " trusted, third-party " involved with any transactions. By taking the banks out of the equation, you are also eliminating the lion's share of each transaction fee. In addition, the amount of time required to move money from point A to point B, is reduced formidably.

The largest transaction to ever take place using bitcoin is one hundred and fifty million dollars. This transaction took place in seconds with minimal fee's. In order to transfer large sums of money using a "trusted third-party", it would take days and cost hundreds if not thousands of dollars. This explains why the banks are violently opposed to people buying, selling, trading, transferring and spending bitcoins.

Only.003% of the worlds (250,000) population is estimated to hold at least one bitcoin. And only 24% of the population know what it is. Bitcoin transactions are entered chronologically in a 'blockchain' just the way bank transactions are. Blocks, meanwhile, are like individual bank statements. In other words, blockchain is a public ledger of all Bitcoin transactions that have ever been executed. It is constantly growing as 'completed' blocks are added to it with a new set of records. To use conventional banking as an analogy, the blockchain is like a full history of banking transactions.

Step 2 - Setting Up Your E Wallet Software Account

As soon as you create your own unique e wallet software account, you will have the ability to transfer funds from your e wallet to a recipients e wallet, in the form of bitcoin. If you would like to use a bitcoin ATM to withdraw funds from your account, essentially you will link your e wallet 'address' to the chosen ATM machines e wallet 'address'. To facilitate the transfer of your funds in bitcoin to and from trading platform, you will simply link your e wallet 'address' to the e wallet 'address' of your chosen trading platform. In actuality, it is much easier than it sounds. The learning curve in relation to using your wallet is very short.

To set up an e wallet, there are a myriad of company's online that offer safe, secure, free and turn-key e-wallet solutions. A simple Google search will help you find the right e wallet software for you, depending upon what your needs are exactly. Many people get started using a "blockchain" account. This is free to set up and very secure. You have the option of setting up a two-tier login protocol, to further enhance the safety and security, in relation to your e wallet account, essentially protecting your account from being hacked into.

There are many options when it comes to setting up your e wallet. A good place to start is with a company called QuadrigaCX. You can find them by doing a Google search. Quadrigacx employs some of the most stringent security protocols that currently exist. Furthermore, Bitcoins that are funded in QuadrigaCX are stored in cold storage, using some of the most secure cryptographic procedures possible. In other words, it is a very safe place for your bitcoin and other digital circles.

In order to withdraw money in your local currency, from your e wallet, you are required to locate a bitcoin ATM, which can often be found in local businesses within most major cities. Bitcoin ATM's can be located by doing a simple Google search.

Step 3 - Purchase Any Fractional Denomination Of Bitcoin

To buy any amount of bitcoin, you are required to deal with a digital currency broker. As with any currency broker, you will have to pay the broker a fee, when you purchase your bitcoin. It is possible to buy.1 of bitcoin or less if that is all that you would like to purchase. The cost is simply based on the current market value of a full bitcoin at any given time.

There are a myriad of bitcoin brokers online. A simple Google search will allow you to easily source out the best one for you. It is always a good idea to compare their rates prior to proceeding with a purchase. You should also confirm the rate of a bitcoin online, prior to making a purchase through a broker, as the rate does tend to fluctuate frequently.

Step 4 - Stay Away From Any Trading Platfrom Promising Unrealistic Returns To Unsuspecting Investors

Finding a reputable bitcoin trading company that offers a high return is paramount to your online success. Earning 1% per day is considered a high return in this industry. Earning 10% per day is impossible. With online bitcoin trading, it is feasible to double your digital currency within ninety days. You must avoid being lured by any company that is offering returns such as 10% per day. This type of a return is not realistic with digital currency trading. There is a company called Coinexpro that was offering 10% per day to bitcoin traders. And it ended up being a ponzi scheme. If it's 10% per day, walk away. The aforementioned trading platform appeared to be very sophisticated and came across as being legitimate. My advice is to focus on trading your bitcoin with a company that offers reasonable returns such as 1% per day. There will be other companies that will attempt to separate you from your bitcoin using unscrupulous methods. Be very cautious when it comes to any company that is offering unrealistic returns. Once you transfer your bitcoin to a recipient, there is literally nothing your can do to get it back. You must ensure that your chosen trading company is fully automated & integrated with blockchain, from receipt to payment. More importantly, it is crucial that you learn to differentiate legitimate trading opportunities from unscrupulous "company's" that experts are when it comes to separating it's clients from their money. The bitcoin and other digital contexts are not the issue. It is the trading platforms that you must exercise caution with, prior to handing over your hard-earned money.

Your ROI should also be upwards of 1% + per day because the trading company that you are lending your bitcoin to, is most likely earning up to 5% + per day, on average. Your ROI must also be automatically transferred into your "e-wallet" at regular intervals, through your contract term. There is only one platform that I feel comfortable using. It pay each bitcoin investor / trader 1.1% per day in interest as well as 1.1% per day in capital. This type of a return is staggering compared to what you would earn with traditional financial markets, however, with crypto currency, it is common. Most banks will payout 2% per year!

If you are required to conduct tedious activities such as logging into your account, sending e mails, clicking on links etc, you definitely need to keep searching for a suitable trading company that offers a set-it-and-forget-it type of platform , as they absolutely exist.

Work From Home - Make Money Online With eBay Store

By now you have probably heard plenty of success stories of people that have managed to utilize eBay to make money. The degree of success varies, but generally speaking there are certainly enough tales of financial gain out there to make anyone with even a tiny bit of entrepreneurial spirit perk up and wonder if they too could pad their income through eBay. The problem that most people run into, however, is that even those with a keen business sense and a natural talent for knowing how to find a make a sale do not typically know the tips and tricks that must be used on eBay to get a leg up on the competition.

While it certainly matters what you are trying to sell, there are other factors that will affect your trends of success. Understand that you are essentially using eBay as a store front and many of the traditional rules of making a sale apply. You have to be able to make yourself available to the customers, show that you can offer a better deal, and generally find a way to attract all of these different consumers to your product. Obviously, if you are not selling anything you will not be making any money; very soon you will most certainly need to begin mastering the different tactics that successful sellers use to attract customers to their listings, but before that you must become acquainted with the most basics of eBay.

What you want to do with eBay will determine how you need to approach the entire of your situation. If you intend to mainly use the service to attempt to try and sell a few items that you just have lying around the house then you might be well served simply by creating a few listings with catchy titles and allowing the bidding to resignation. However, if you are going to be using the service often or to sell several items, you may consider some of the other options that eBay offers. For example, one popular option that is offered is the ability to create an eBay "store".

If you tend to offer items along a particular theme, antiques, for example, then a store can provide users a quick, easy way to peruse your wares and to frequent your offerings on a fairly regular basis. This provides you with the opportunity to have a base of interested customers that are constantly updated on your new items and what you have to bring to the table. Additionally, as with most other eBay items, you do not actually have to offer the listing as an auction; it is completely within the realm of possibility to price the item yourself at the amount you would like to charge using the "Buy It Now" option. You can even offer your customers the option to haggle a bit by allowing them to make an offer; you obviously have the option to refuse this offer, but you might find yourself able to make a sell if you are willing to compromise a bit.

This, essentially, is what you need to know if you are new to eBay- that the basic styles of selling an item are a traditional auction style, where the item goes to the highest seller at the end of a set amount of time, and a very store-like option where you set the price and wait for an interested party to come along and make the purchase. Knowing these things is a good start towards making money on eBay, but these are just the fundamentals.

How you present your item could very well be the key factor in whether or not you are able to profit from your eBay venture. As you know, if a customer is unable to find your item they will, obviously, be unable to purchase it. eBay differs from a traditional store front in a variety of ways, but one of the most significant ways is that customers have to find your item by a text search, usually. This means that there are any number of problems that can occur and make someone who is otherwise interested in buying your item unable to find it.

For example, let's say that you make a spelling error when you list your item. This is going to make it significantly more difficult, sometimes even impossible, for someone who is looking for exactly what you have to offer to be able to find it. Basically, this means that you will have valuable equity locked up in an online limbo because no one is able to find your item to purchase it in the first place. You absolutely have to make sure that you do not make any errors such as this listing your product.

There are other aspects of the title, however, that are immensely important. It is not just enough for a buyer to be able to find your item; you need to try and make sure that they see what you are selling before they see the competition's merchandise. This means that you must be selective with the words that you use in your title, and even quite picky in the order of the words themselves. If at all possible, use Terapeak to try and discover what keywords customers search with to find products related to yours. These are the words that you need to use. Remember that you only have 55 characters so you have to use the most relevant keywords in the shortest space; these keywords are what will help you to be towards the highest results. If you need to communicate something else to a potential buyer you can use the subtitle feature; be aware, however, that eBay does not use this section to check for keywords, so keyword spam in this area is fruitless.

Additionally, you should be aware of the amount of time that an item is on sale for. If you have the item listed as a "Buy It Now" item this is not necessarily as relevant; if there is not very much competition on eBay from similar items it may be that you simply need to wait for the right customer; alternatively, lowering your price might be a good idea. However, the aspect in which you really need to be aware of time is the auction. Many sellers choose to put their item up for sale for the entire duration of seven days. This might seem to make the most sense- after all, the longer an item is for sale, the more opportunities people have to bid. This train of thought while being sound, is untrue.

If you pay very much attention to the various auctions on eBay you will notice that a sort of a bidding frenzy begins to ensue as the item approaches the end of the auction period. Once an item has less than a day remaining it becomes more immediate, and therefore more interesting, to a customer. In the last few hours customers are bidding constantly. One reason for this is the way in which eBay displays search results. An item with less time remaining will appear higher in the search results than an item with similar keywords but more time left. This means that you have the option to use good keywords and put your item on auction for a shorter amount of time to move your merchandise up the list of search results; additionally, you will still be able to attract the feeding frenzy type of bidding that occurs as an item nears its end. You can make the same amount of money in less time by making sure that your item is markeded properly.

Marketing is at the very soul of using eBay to make money. The odds are fairly strong that you will not be in a niche market and that you will have to struggle against competition to be able to really get a foot in the ground. If you are just starting out you can be at a distinct disadvantage against sellers that have been using eBay longer. For example, feedback is an important tool that many use when evaluating whether or not to make a purchase. Without good feedback you are fighting an uphill battle. There are, however, some tricks that can help you to overcome these obstacles and make a move on the competition.

Essentially, you must build your reputation as a quality seller from scratch. While it might be tempting to copy what it is that your competitors are doing, approach this from a customer's point of view. Why would a consumer purchase the exact same item from an unknown seller when they could get the guarantee offered by high positive feedback for the same price? It is not enough to simply do the same thing that your competitors are doing; you have to go above and beyond. To make any progress, you must outperform them.

One of the things that you must consider in the beginning is to offer your product at a lower price than other sellers. It does not have to be significantly lower, maybe as little as five or ten percent. However, a lower price can be the perfect way to sway buyers who might have otherwise made their purchase from your competition. This is not the only way to attract positive attention, however.

Depending on what it is that you are selling you might be be able to include a bonus item, something that is not very expensive if you have had the receipt to purchase it at a very low cost. For example, let's say that you are selling a smart phone- well, typically a new phone comes equipped with a charger and the necessary cables, but not a mobile charger. If you so desired, you could invest in a few of these and distribute them as a bonus with the order- you can often get a regular charger for which the owner supplies their own cable for only a dollar or two; it is a small gesture, but one that may influence a buyer to give you their business instead of your more popular competitor.

You can do other things, such as offering free gifts, that can help to build customer loyalty. For example, something as simple as including a small piece of candy with the package can be seen as a good will gesture; people will remember that you went the extra mile to make their experience just a little more pleasant, and if a mistake ever happens they might be more likely to give you a bit more leniency.

Shipping is also of the utmost priority. A common tactic that many eBay sellers attempt to use is to make a profit by charging more for shipping than it actually costs; this is not an encouraged idea. The point is to build up a great reputation among the eBay community to ensure your possible customers that you are trustworthy and will deliver their item, as promised. Padding extra costs into the purchase price very often results in very negative feedback.

You do not have to offer free shipping, but you do need to do everything within your power to make sure the buyer receives their item as soon as possible. Try to ship the item the same day that the offer closes, and be sure to supply the buyer with a tracking number so that they can keep track of their package. If something goes wrong in shipping this allows them to know the mistake was not yours; while they will not be pleased at the delay, most people are basically reasonable and will not hold this against you when leaving feedback.

Along the same idea of ​​customer service comes the feature of eBay to allow a potential buyer to ask a seller a question. If you happen to get a question from a consumer be aware that this person is, most likely, very interested in your merchandise. It is in your best interest to answer this question as quickly, and as honestly, as possible. You must do all of the little things that your competitors do not to build up positive feedback and to get the critical traffic you need as you are just getting started. The way to make money with eBay is to market yourself, market your product, and ensure people that you are a quality seller that makes sure they receive their item quickly and in the promised condition. Once you have established these things customers will be drawn to you; this is where you can begin to make money.