Learn and Earn With Affiliate Marketing

Do not Be A Statistic; Learn And Earn Your Way To Success

Having invested four years or more of hard work in a degree, it is imperative that you maintain your skills and have work experience recorded on your resume. Use your marketing skills and earn money at the same time. Affiliate marketing will provide you with the opportunity to learn and earn.

I had been unemployed for a few months; every recruitment agency within a 20 mile radius had been bombarded with e-mails, phone calls and of course, had been provided with several copies of my CV. Never before have I been unemployed for such an extended period of time, and I have an extensive experience in my chosen field. The financial climate gives employers the upper-hand; This is an ideal opportunity for employers to choose the most experienced candidates, leaving those with less than perfect CV's at the back of the queue. I can only imagine what it must be like to be a student or graduate just out of university. I decided to trawl the internet for any home-based opportunities to earn some money, as my savings were being sapped, and my resources depleted. I spent a good week researching; affiliate marketing was the one opportunity that appeared to be legitimate. In the process, I had fallen foul to three scams; I did not lose a fortune, but any amount is too much when lost to a scam.

Affiliate marketing is the most lucrative online opportunity. It is not a get-rich-quick scheme, and you will not become a millionaire overnight; it requires hard work, dedication and motivation, but it is the ideal opportunity for those who might be unemployed, or anyone looking to top up their incoming, to tap into what is fast becoming, a booming industry.

Currently, there is no specific affiliate marketing degree or diploma, although this is likely to change with time. In simple terms, it is where a customer searches online for specific products and is directed by the affiliate to the required product via a link. The user clicks on the link and is driven direct to purchase the product or service on the seller (merchant) site. The seller pays the affiliate commission as a percentage of the total sales value and this can be anything from 15-75%. The affiliate must have the knowledge and know-how to find the right products for the right customers at the right time. Advertisers prefer to have their products marketed in this way because advertising costs only become effective when a sale takes place.

The golden rule of affiliate marketing is finding niche markets. A niche market is defined as a specific targeted product that satisfies the consumers requirements. It is highly specialized and requires much fine-tuning. Research is imperative; finding the right keywords will lead you to the right customers and products for that customer. It is possible to market a product in two ways; either by choosing a consumer and providing the product that consumer wants, or by providing a product and finding consumers to purchase that product. The affiliate finds the niche market, shows the product to sell, then chooses a marketing technique and then builds a campaign leading to action. It is possible to earn money online within any industry but the key is to provide the right product to the right person at the right time and for the right reason. Initially, you should promote a product, service or topic that you know something about, or at least, are interested in. You are more more likely to succeed if you are passionate about your subject; what graduate is not passionate about their subject?

You will benefit from joining an affiliate program initially; An affiliate marketing training program is the easiest and quickest way to lead you to success. There are hundreds of programs, and I have researched them all. Joining is usually free, and a reputable program should provide you with all the expert training, resources, research tools, market information, mentoring and support to ensure your success. The program should be able to turn marketers into sales machines, keep you ahead of the game and make you a force to contend with. Be aware of programs that expect you to pay considerable amounts to find out about what they offer. You would not pay a company to interview you; this information should be free. You will need to pay a membership fee for joining; this the norm, but in return your offer should include all the training and resources you need to start your business.

You will need products to promote, so will need to join an affiliate network. The beauty of affiliate marketing is that you do not need to invest in products to sell; you simply market and sell products already offered by merchants. Networks such as ClickBank, LinkShare and CJ.com are reputable networks. There are many networks to choose from; choose those offering a good rate of commission and confirmed payment method. These networks offer thousands of digital products but you will need to learn quickly how to master these networks and achieve the best possible sales potential.

You are far more likely to succeed in maximizing your potential through the use of your own website. Your website will provide you with an identity wherey you can market your products in your own style. You will also be able to target your products to specific markets and update your product offer when applicable. Your marketing efforts will be automated and therefore your earnings potential will be continuous. Websites can be built using free web development programs and do not need to cost the earth.

There are many marketing strategies you are able to use to promote your products; the affiliate program will train you to master these techniques. There are free marketing techniques and paid-for ones. Article marketing is a free marketing technique to get traffic to your email marketing campaign. By writing short articles and submitting them for distribution in the market you will achieve credibility. You will need to write unique, relevant quality content and also unique content. Every article contains a resource box and by-line, including the author's contact details. Writing good articles can achieve valuable backlinks to your site.

Other strategies include Pay-Per-Click, wherey you use advertising mediums such as Google AdWords to promote your offer. E-mail marketing will quickly build you opt-in mailing lists which are great for targeting specific products to customers at specified times, and you can utilize autoresponders to manage your e-mail campaigns. Search Engine Optimization is key to driving traffic to your website and achieving high page ranking with Google, Yahoo and MSN can bring huge amounts of traffic to your products.

Joining a program has other advantages; it will enable you to earn from the outset if you choose one offering promotion incentives; promote the program you have joined, and you are able to earn from day one. Take advantage of your skills and marketing capabilies; learn and earn to put that much-needed experience on your CV. I wish you the best of luck!

The Top 20 Breakup Mistakes and How To Get Your Ex Back Even If You'Ve Made Every One Of Them

If you're going through a break up right now then your emotions are super charged and heightened and you're just not acting like yourself, am I right? Here's the top 20 breakup mistakes that are not only driving your ex totally nuts but ensuring that you're never going to get back together. I'm going to reveal what they are and then explain to you how you can completely clean the slate and still get them back.

I've compiled my top 20 break up mistakes after months of counselling both men and women in 31 countries going through a very painful break up. I invite you to read every single one and take notes if you need to and keep reading to the very end where I reveal how you can STILL get them back even if you've made every single mistake on this list!

Mistake #1 - Allowing Your Ex To Totally Control Your Life

You and your ex may not even be aware that they are doing this or that you are actually allowing your ex to do this but after your break up you gut reaction is to totally analyse virtually every facet of your relationship and your break up to the verge of driving yourself nuts.

That's not going to achieve anything and will only keep you stuck in the healing process.

Mistake #2 - Staying Friends With Your Ex

Many brokenhearted people stay friends with the ex for one sole reason - in the hope that one day they'll realize that they're really meant to be together.

WRONG. Once you get set in the friend trap it's very hard to get out of and it's not something I recommend.

Mistake #3 - Bombarding Your Ex With Text Messages

Basically you're not leaving your ex alone because you're not wanting them to get on with their life without you.

This is one of the worst things you can do because often all it does is ensure that they've made the right decision not being with you right now.

Mistake #5 -Firing Off Angry Emails To Your Ex

As above, when you make this mistake you are venting on your ex angry at the pain that they've caused you.

THIS IS A NO-NO because all it will do is drive potentially a permanent wedge between you and will ensure your ex moves on real fast.

Mistake #6 -Firing Off Desperate Emails To Your Ex

This mistake is different to the one in #5 because rather than being angry you're being desperate. You're acting pretty wimpy trying to get your ex to understand how much they've broken your heart and how much you need them in your life.

When you behave in this way you're acting high maintenance and also way too desperate and that is NOT going to be attractive to your ex!

Mistake #7 -Ringing Your Ex Around The Clock

Let's face it, you're not ringing them up with good intentions - you're ringing them up because you want to know where they are, are they home, who are they with, is someone at home with them?

This kind of harassing behaviour could end up with you being served with an AVO so hold off, this is not the way to get your ex's attention!

Mistake #8 -Stalking Your Ex Regularly At Places Where They Hang Out

Right, all of a sudden you have this insane desire to just be wherever your ex goes -- because if you aren't there how are they ever going to think about you now that you are no longer together, right??

WRONG! Not only will this not look like a coincidence but it will really put your ex off, it will put your friends off and your ex's friends off and you could end up with a nice little visit from a policeman!

Mistake #9 - Lending Your Ex Money

So you're throwing good money after bad at your ex because you believe this way you'll be able to stay in contact with your ex and they'll "owe you".

WRONG AGAIN. You're setting yourself for not only an emotional fall but a financial fall here....Once your ex knows they can come to you as their automatic ATM they'll be feeding you with lies and crap to make you feel that you're special to them.....but there will always be a BUT!

Mistake #10 -Staying Friends With Your Ex's Family

While there's nothing wrong with being on friendly terms with your ex's family, if you suddenly start hanging out with them in the hope of accidentally bumping into your ex then that's not a good thing.

Mistake #11 -Trying To Make Your Ex Jealous

The key to making someone jealous is NOT making it obvious. However, many people unfortunately aren't very good at this and make it real clear when they have their cousin's best friend from interstate playing their instant love interest when they come into town on a quick visit.

You'll actually have much better luck by moving on with your life and not being afraid to meet new people.

Mistake #12 -Having Sex With Your Ex

Yep, I had a fellow email me recently saying we've just broken up and we're seeing each other tomorrow to have sex, is that okay?

Why would you think that's okay?

I mean, if you want to be your ex's boyfriend or girlfriend you have got to stop acting like their girlfriend or boyfriend when you're no longer in a relationship with them -- otherwise what incentive will they ever have to get back together with you.

Mistake #13 - Constantly Asking Your Ex For A Second Chance

You can't cope without your ex, that's clear, but you don't need to make it constantly obvious to your ex all the time.

While that will certainly stroke their ego it will also drive them probably totally crazy so lay low and you'll achieve much better results.

Mistake #14 -Bad Mouthing Your Ex to Your Family And Friends

Unless you plan on never getting back together with your ex don't talk badly about him or her to everyone close to you. And definitely don't reveal some juicy tidbits that your ex would die if she knew you'd told them.

You've got to think of the big picture here....Your ex will never come back to you unless she's 100 percent comfortable in doing so.

Mistake #15 - Bad Mouthing Your Ex To Their Family And Friends

It applies even more so to the friends and family of your ex. Don't ever think for a moment that they'll keep their conversations with your ex private from them.

If you bad mouth her you're going to not only get your ex's hackles off side but also those of their friends and family!

Mistake #16 -Throwing Pity Parties

Another desperate effort to get back together - making your ex feel so sorry for you....some people even dare to say that they'll kill themselves if they don't get back together with you.

Not only is that blackmail that's totally childish and an unfair kind of pressure to put onto your ex -- and your relationship, even if you got back together, would have low chances of success!

Mistake #17 - Driving Your Friends And Family Insane By Always Talking About Your Ex

Okay this is going to hurt a little but you did have a life before your ex - and guess what -- you managed to actually carry some interesting conversations before you met your ex. So don't drive your friends and family totally nuts and isolate yourselves from people who really care about you.

Mistake #18 - Coming Across As Needy And Clingy To Your Ex

This may be your gut reaction but all this behaviour is going to do is reinforce your ex's desire not to be with you because you're so high maintenance.

Mistake #19 -Giving Threats And Ultimatums

You're desperate and totally acting irrationally and all you want is your pain to go away so you'll do just about anything to get your ex back.

Dishing out threats and ultimatums isn't going to bring you a happy ending so behave with self-dignity instead and you'll be amazed at the difference.

Mistake #20 -Being Vengeful

You're angry and you want them to HURT so you're gonna pay them back, right??

WRONG! You've got to think long term here.....that is going to not only infuriate your ex but everyone they know and could also land you in a lot of trouble with the law!

Hey, I said 20 break up mistakes but I'm going to throw in one more for good measure, okay.

BONUS - Mistake #21 -Making False Promises That You'll Change

Okay, we all have some little things that we could probably improve about ourselves and some of these may be quite realistic....however, others don't even bother.

While it's possible to spruce yourself up a little there's no use pretending to be someone you're not because your armour will come off when you least expect it and you'll be on your own again anyway.

Now that's quite a list, isn't it?

Do you know why these are so common mistakes?

Because your emotions are completely out of control as a result of your break up and you will do JUST ABOUT ANYTHING to make the pain stop -- and to get your ex back.

You and I both know that acting this way isn't the real you, is it?

You're not a stalker, you're not usually clingy, needy, or desperate or even so obsessed as you've been lately!

Let's put the shoe on the other foot for a minute. If your ex was acting the way you have been recently would YOU want them back?

No.

Let's face it -- you're high maintenance, you're highly emotional, you're clingy, you're desperate, your obsessive -- you're NOT the person that your boyfriend/girlfriend, wife/husband fell in love with?

How To Completely Wipe The Slate Clean

What you need to do first of all is accept right at this second that you ARE broken up (but in your mind it's temporary).

Then what you need to do is heal AS QUICKLY AS POSSIBLE so you can unleash the real you under all that emotional turmoil that your ex fell MADLY IN LOVE with.

Identifying The Real Journey to Create Wealth

So often when one pursue the quest to create wealth, they do so without really understanding, as well, as appreciating, what wealth creation is really all about. While it is true it may have different meanings for anyone seeking to create wealth, what is equally true is that creating wealth involves a defect meaning that those who have really been successful in creating wealth really appreciate, and understand.

Money, IT's Purpose & Real Value

The pursuit of money is a continous, never ending focus of the majority of people today. This intenet focus on the part of some people, governments, those in the business community, just to name a few, have resolved in many cases individuals, organizations actually operating out of their minds. This coupled with losing the deeper meaning of the role money really play in our lives. So the question becomes what is the purpose of money? Money as we know it, coins, paper notes, or beads is really currency that is a means of exchange. Money in itself has no power. It receives it power through the value we or society assign it. Example, a sliver of printed paper is assigned value $ 1, $ 10, $ 50, $ 100 for the purpose of exchange. At any moment, that paper with assigned value could be declared worthless. So the single pursuit of money in itself, does not guarantee overall prosperity, and abundance.

Understanding Prosperity and Abundance

When speaking or thinking of prosperity, we are really thinking of thriving, flourishing, the good things of life, success, affluence, good fortune. On the other hand abundance, is having a fullness, as well, as an overflow of supply. Both prosperity and abundance, are freed from the limitations that are connected in the pursuit of money. Successful wealth creators really understand their pursuit is really about prosperity, and abundance.

Why? Because both are available with unlimited capacity. Additionally, wealth creators are aware, understand, and appreciate that more, and more of everything is available to be created that lead to prosperity, as well, abundance. They recognize the power of the energies that emit from both prosperity and abundance. The more one's journey is for prosperity and abundance, the more the actual manifestations of wealth becomes a reality. This include manifestations of joy, happiness, wisdom along with physical manifestations that may include wellness, things of value that is intrinsic, extrinsic, or assigned value like money.

What these manifestations do not bring that comes with the singular pursuit of money, is fear & resistance. The singular pursuit of money brings the fear of either not having enough money, the fear of retaining what one have, the fear of being obsessed with money, to mention a few. These fears coupled with the resistance to the pursuit of prosperity, along with abundance. There is resistance to these because the belief of "money pursuers" is that through money prosperity, as well, as abundance is created. They do not see that prosperity & abundance is linked with an unlimited source. They do not see that there are not any errors attached with abundance or prosperity. Sometimes even greater is that they do not see that once one really make the conscious decision to pursue prosperity, abundance they become free to create the unlimited means to complete freedom, wealth, success, joy, happiness. Creating financial freedom, creating the reality of your dreams for your family, yourself, as well, as for others only occurs through surrendering to creation to the pursuit of total wellness, prosperity, and abundance.

The Plan

There are choices that anyone seeking to create wealth must make. First, is deciding how you choose to live? Will you choose the singular path of money, by living below your means? Will you continue to think, live through psycho-midgetis? The pursuit of wealth is not about less. The creation of wealth is not about limitations. Embrace the concept that the physical, including money, will create the fulfillment of your dreams is a course riddle with limitations, fears, resistance. On the other hand, embracing, activating the unlimited course of prosperity and abundance render an ongoing flow of fulfilling, rewarding manifestations. Secondly, you must choose between remaining in the status quo, or breaking free and embracing a higher reality. The status quo is based on controls, riddle with limitations. The higher reality, is based on embracing consciousness of that prosperity, as well, as abundance is anchored on a level that transcends any physical pursuit. Achieving a successful and fulfilling wealth creation plan starts with consciously committing to embracing, growing the energy of prosperity, as well, as abundance. This is the foundation of your overall plan. The stronger you build this foundation, the greater fulfillment becomes. The Plan therefore is quite simple. The real creation of wealth is 'spiritual'. Therefore the foundation of the plan involve these steps:

• Begin the consciousness, awareness, and commitment to transcend from the vicious pursuit of physical manifestations.

• Seek and develop a spiritual consciousness ( this is not a matter of religious membership ), Pursuing prosperity and abundance first and foremost with the clear understanding, as well, as appreciation of the unlimited reserve of both.

• Developing an awareness that this is the spiritual pursuit that produces an endless flow of the physical manifestations, things of assigned value, like money, additional assets. Not the other way around.

. • Finally creating wealth is the growth of prosperity and abundance we individually achieve. The more you grow in prosperity and abundance, the more your physical manifestations grow as well.

With your special talents you have the opportunity to create, as well, as implement your plan.

How To Play Time Management Games Online For Free

1. First a warning, playing games can be addicting so remember to manage your playing time. Also be sure to download time management games from sites that you trust and always keep your anti-virus program up to date.

2. Check your browser some time management games require the Internet Explorer browser and will not work with Firefox and some other browsers.

3. Decide if you want to play time management games online or download them and then play. Please check our "Times Management Games" section for resources that is updated regularly.

4. Let us look at some of the games that you can play for free online. As you will see there are many time management games to choose from so take the time and try several of them, you will soon find out which one you like the most.

Belle's Beauty Boutique:

'Belle's Beauty Boutique' you must help run a beauty parlor single-handedly. The owner, Belle, needs your help to give all of her customers the treatments they want. Help her wash, cut, shampoo and color a crazy cast of characters. Watch them gossip, flirt, and help Belle realize her dream of creating the ultimate beauty salon.

Big Island Blends:

After arriving on Big Island you discover that the "fortune" you've just inherited is an orchard? Well, what better way to turn your fields into a real fortune than opening a smoothie stand Serve your delicious fruit concoctions to the thirsty inhabitants of Big Island in level after level of fast-paced fun. Then, use your hard-earned money to purchase a wide variety of sparkling upgrades to make your smoothie stand the best on Big Island! Colorful, fast, and fun, try Big Island Blends for a unique taste of the tropics.

Burger Island:

Help our heroine Patty turn around a run-down burger stand located on deserted Mount Tikikola Beach in 'Burger Island'. Juggle orders from demanding customers, purchase over 30 exotic mouth-watering recipes, unlock more than 40 delicious ingredients, combining up to 9 per order, all while keeping an ever-watchful eye on the clock. With 60 increasingly challenging levels, see if you have what it takes to help Patty build the best burger stand on the island!

Burger Shop:

After receiving a set of strange blueprints in the mail, you build an extraordinary food-making contraption and open a restaurant. Your goal? Make food and satisfy customers until you discover the truth behind the mysterious blueprints. Burger Shop is a fun and addicting time-management game with several play modes including: Story Mode, Challenge Mode, Relax Mode and Expert Story Mode, each with different trophies you can collect. Utilize unique food making devices to make over fifty different food items during your quest. With four play modes, over sixty upgrade items and ninety-six trophies, you can play Burger Shop forever!

Cake Mania:

Baking runs in Jill's family. Help Jill upgrade her kitchen with state-of-the-art baking tools, while serving her ever-increasingly difficult customers. Help Jill earn enough to reopen her grandparents' bakery in this fast-paced culinary crisis.

Cake Mania 2:

After re-opening the Evans Bakery, and sending her grandparents on an exotic Hawaiian cruise, Jill is back in an all-new, out-of-this-world adventure! Explore six far-flung bakery locations; serve up deliciously original creations to 18 quirky customers, ranging from Federal Agents to mysterious Aliens, and choose the path Jill will take in 'Cake Mania 22!

Delicious 2:

Uncle Antonio needs Emily's help to get out of a financial fix. Help Emily rescue her family's finances in five all-new restaurants, each with a unique menu and theme. Use your earnings to purchase decorations sure to make your customers smile. Emily's friends and family are on hand to help, but it's going to take your serving savvy to get Uncle Antonio back on track. Featuring two game modes, all-new customers, and hours of fast family fun, 'Delicious 2 Deluxe' is just the thing to satisfy your craving for fun.

Features:

* Two Game Modes

* Five All-New Restaurants

* 60 Challenging Levels Featuring New Customers

* Decorate Your Restaurant Your Way

Delicious Deluxe:

Join Emily on her quest to make her dreams come true in two game modes and seven different restaurants. Success means more tables, bigger restaurants, and a menu full of uniquely delectable items. Tasty treats may keep your customers happy, but it's going to take quick clicks and careful timing to get Emily's ambitions off the ground. Take a bite out of Delicious today!

Features:

* Two Game Modes

* Seven Different Restaurants

* Bonuses Like Bigger Trays, Chocolate, and Stars

* Five Types of Customer

Diner Dash:

Diner Dash is the action-puzzle that brings out the entrepreneur in all of us. Poor Flo! Sick and tired of pushing paper in the world of finance, she ditched her desk job and is setting out to build her very own restaurant empire. Flo's on her own now and heading for the top! It won't be easy, though. To get there she'll have to start on the ground floor and she needs your help to survive and thrive. Diner Dash combines fast-paced puzzle action with a build-your-restaurant-empire theme. You'll start with a run-of-the-mill greasy spoon and end up in a dream restaurant that will take your breath away!

Features:

* 40 challenging levels of addictive, skill-based game play that allows you to grow your restaurant through 4 complete re-models

* Five different types of customers, each with different behaviors

* Two modes of play: Career and Endless Shift

* Fun sounds, cool visual style, flashy effects, and humorous animations

* High score tracking and automatic game save

Diner Dash®: Flo on the Go:

Flo trades in her apron for a passport to paradise! But will our hard-working waitress get a chance to relax? Seat customers, take orders, collect tips and dress up Flo in hundreds of vacation outfits in the all-new Flo's Closet".

Wedding Dash":

Help Quinn, a hopeful wedding planner, make wedding bells ring! Featuring the hilarious ups and downs of wedding day drama, 'Wedding Dash"' incorporates the plate-spinning fun from the 'Diner Dash®' series with the added challenge of pulling off the perfect wedding reception. Can you keep the bride and groom happy and Quinn's business afloat? Help couples select all the details - from tasty cakes to gorgeous flowers - but once they've tied the knot, lookout for obstacles preventing the perfect party, such as tipsy guests, falling cakes, and catty bridesmaids. When the going gets tough, keep an eye out for extra help from everyone's favorite server, Flo! It's a fast-paced challenge to execute a flawless event, but for the determined Quinn, it's all in a day's work!

5. There are several types of games available, some give you resources that you have use or spend to advance to the next level. Some time management games you must complete a number of tasks within a fixed period of time while in other games you have a certain number of lives, when you have lost them the games are over. Also there are games where you can continue to play until you figure out how to advance to the next level.

6. By now you have decided what time management game you want to play. Before you start the game check the game options, select the easiest level or story mode (where available) first time so you time to become familiar with the game.

7. As you become more experienced move through the different levels or game modes. Remember one of the advantages of playing time management games online is that you can communicate with other people playing the same game, so you can always ask for help.

8. Have fun but remember playing time management games can be addictive so take a break away from your PC every now and then.

Shortly we will look at time management games that you can download and play for free, so please re-visit or subscribe to our blog.

Warm regards,

Henrik

PS. Where can you find the games mentioned above? Please go to: http://games.aol.com/browse-games/arcade/time-management/

How to Make Over $ 3500 a Month With Google and ClickBank

Have you tried to make money with Google and ClickBank? They are two of the most profitable ways to make money at home. There are people making over $ 3500 a month that went from rags to riches almost overnight. Internet marketing is the business that everyone is getting into and should definitely be given consideration towards fixing your financial situation.

Signing up with Google and ClickBank is free, that's how you really know a service is legitimate. Using the two services to start earning profits is easy when you know exactly what to do. Sadly, both Google and ClickBank have failed many people that were uneducated about how to use them correctly to make money at home. This is not something you can just jump right into without knowledge. If you really want to learn how to profit big then education really is the key to success.

Using Google requires that you do a few things to get started. The first thing is to create a website or signup on blogs and hub sites that have AdSense sharing programs. The best route to take with Google is having your own website because you'll see more profit. Google allows participants to make money based on advertisement clicks. When people visit your website you'll profit every time they click an ad and the amount you'll earn will be based on the particular ads shown. The trick to doing this is to create your website using a popular niche or to add content to your website based on something you're skilled in such as kids, food, and clothing, basically anything that interests you. The ads shown on your site will be related to the information you offer on your site. Higher payouts come from doing something called keyword research. You'll learn all that once you start the program.

ClickBank is the type of site that allows you to make money promoting everyone else's products or services. You can promote as many products as you'd like and can earn from $ 10 to $ 200 or more per sale. ClickBank does not require having your own website to get started. Many people use ClickBank as a make money at home source and have gotten rich doing so. There is a strategy for earning money with ClickBank that can also make you an overnight success. If you're a newbie to both or have not seen the amount of success others have achieved you must be doing something wrong. These are not services to give up on. You can make money with the two programs in a very short amount of time if you're willing to learn.

Understanding The Real Rate of Return!

There is one indicator more than any other which determines the health of an economy and it is the Real Rate of Return. Furthermore this is the simplest of all indicators to understand because it determines the safety of assets. Next time you hear the TALKING HEADS discussing the nuances of the markets, filter what they say through your own understanding of the Real Rate of Return.

The Real Rate of Return is the one number that determines the safety of principal. It is calculated by taking the current BOND YIELD and subtracting the expected INFLATION rate from it. The result is the REAL return on giaranteed money from the government.

Interest Rates are on the rise as we have been expecting and this pressure has put a tremendous amount of pressure on the stock market. The essential simplicity at work here is very, very basic. If Interest rates on Bonds are yielding 5.14% and inflation is forecasted at 5%. The difference is the REAL RATE of RETURN, (in this instance we are speaking about .14%). The REAL RATE of RETURN is what sparks major rallies and declines on Wall Street.

The reason for this is that the Bond market is the largest financial market in the world. There are literally trillions of dollars invested in debt denominated assets. These investors are primarily interested in the security of their principal and taking as minimal risk as possible. They historically have been thrilled with REAL RATES of RETURNS that would be in the 2% - 5% annually. During the 1970's this indicator went NEGATIVE for a while indicating INFLATION was rising faster than interest rates and BOND INVESTORS actually had substantial negative returns. During this time there was much "screaming and gnashing of teeth."

It has always been my estimation that Federal Reserve Chairman, Alan Greenspan's key task is to keep the REAL RATE of RETURN as high as possible. HE has been extremely successful at doing this. If you read back over any history of the financial markets you would be WISE to view events through this indicator. The economic climate becomes remarkably different and people's opinions change dramatically when the REAL RATE of RETURN on the most SECURE investments is threatened.

A thorough understanding of this simplicity is necessary for success in any kind of investing as IT is the basic building block from which all other analysis is based. Although it is always difficult to forecast what will happen in the future, the one factor you can count on is that when THE REAL RATE OF RETURN is falling there is much SWEAT on the brows of Money Managers who monitor the trillions of dollars entrusted to them.

At this point KEEP YOUR EYES on this indicator and make your own forecast of INFLATION. You'll realize that your ANALYSIS can be better than the Big Boys.

Let's be careful other there!

Dowjonesfully,

-Harald Anderson

http://www.eOptionsTrader.com.

3 Innovative Ways To Attract Money To You

It's no secret everyone yearns to have more money in their wallet or bank account. Developing a healthy relationship with money is essential if you want to have more of it.

Money is, after all, just another energy. Yet so much emphasis has been placed on it.

We are told as children that money doesn't grow on trees.

We are pushed to 'keep up with the Jones' and over and over we are told 'money is what makes the world go 'round.'

All of this gives money an inordinate amount of power.

If you have an unhealthy relationship with money, you will never create the abundance you wish you had. In order to change your financial world, you need to change your feelings and paradigm about money. You need to change the way you think, feel and act about money.

If you believe you will never have enough money, you will never have enough money. What you focus on the most gives you exactly what you focus on the most.

These fun and practical little tips will magnify your energy and get the Law of Attraction sending more prosperity your way.

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   Learn to pick up coins from the ground: Ask my friends and family how many times I find coins on the ground and it will blow you away. I always pick them up, hold them to my heart (Thanking The Universe) and then put them in my pocket. Even if it's just five cents, make sure you bend down and pick up the money! You'll show the Universe that you are open to collecting abundance. When you feel like you'd be embarrassed or self-conscious about doing this, I want you to re-frame it so that you are looking after the money. You are a conscious custodian of cash making sure that money feels loved. This generates the energy of appreciation.















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   Write Yourself A Check: Do you know the story about Jim Carrey? Jim Carrey was a struggling young comedian trying to make money in Hollywood. He was just about to give up his dream of becoming a professional actor and comedian when he was booed off the stage at an open mic session in an LA nightclub.Jim sat by himself at the top of Mulholand Drive contemplating his success or failure. He then pulled out his check book and wrote himself a big fat check for $10 million dollars and made a note on it: "for acting services rendered."He then carried that check with him in his wallet everywhere he went from that day forward.By 1995, after the success of his blockbuster movies: Ace Ventura: Pet Detective, Dumb and Dumber, and The Mask, his contract price had risen to the price of $20 million dollars.Write yourself a check for a specific amount and place it in your purse or wallet.















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   Learn to love your bills: Sounds crazy right? Hold on as I explain. When bills land in your e-mail inbox or your mail box make sure that you mentally send them love and say thank you to the Universe for the services you have received in exchange for the bill. Draw little hearts on them and use the bills as an affirmation that prosperity flows into your life in many forms in order for you to pay your bills on time. Whatever you do, don't send the bills negative energy. Try and re-frame your perspective. Remember that more than 80% of the world's population survive on less than $10 per day. There's something to think about.

Developing a healthy relationship with money is critical if you are someone who wants to attract more of it. Continuing your unhealthy relationship is a choice and quite honestly a bit of a cop out. Even if you just want enough to survive and occasionally take a little vacation, adopting a healthy relationship with money is imperative to achieve that.

New Book Offers How-To on America's Most Flexible Money-Making Opportunity

In his new book, Driving Profits and Making Bank, Jonathan Wong walks would-be rideshare drivers through what he calls, "America's easiest and most flexible money-making opportunity." Based upon Wong's own experiences driving for Uber and Lyft, but also drawing upon a great deal of research into other rideshare companies as well as compatible businesses, this book is packed with everything you would ever need to know to become a rideshare driver. Honestly, I couldn't believe how thorough this book was and all the ins and outs of the rideshare business Jonathan illuminates, plus the countless tips he offers as an experienced driver that will make your solopreneur venture all the more successful.

Yes, when you're a rideshare driver, you're a solopreneur. You are basically a contract worker operating your own business. That means, as Jonathan points out, that you can set your own hours, work as much or little as you want, and work for more than one rideshare company at a time if you so wish.

That said, you can also derive a lot of benefits by contracting with rideshare companies. Jonathan walks readers through how to take advantage of "surge" times-periods when it can be super-busy so you get paid more. Rideshare companies also offer bonuses for referring other drivers to them. In addition, you have a captive audience to whom you can sell your other products or services, such as if you're a massage therapist or you want to sell tourist guides or T-shirts out of your vehicle. (One rideshare driver made over $250,000 in one year just by selling jewelry while driving.) Jonathan also walks you through the art of soft-selling to your customers so you don't annoy them and they don't rate you poorly on the rideshare platforms. Finally, there are the benefits of freedom-besides working your own hours, you can eat lunch whenever and wherever you want, you get to meet interesting people, and you may even discover new places in the areas where you drive.

Of course, like any job, being a rideshare driver has its downside. There are hiccups to the system that Jonathan walks you through, and he teaches you how to take advantage of working for more than one rideshare company to offset any slow times. He also gives sound advice on what to do if you have no shows, difficult passengers, such as drunks, drug-users, or belligerent people, and how to cooperate with law enforcement officers so they are your friends rather than your enemies.

I was amazed by everything there is to know if you want to be a rideshare driver. Some of what Jonathan says may be common sense, but not necessarily something you would think of before you enroll as a rideshare driver. Jonathan explains all the eligibility requirements you will have to meet and those your car will need to meet. He also explains how you can earn extra money depending on your car's make and model and how luxurious it is. He also explains what to do if you need to use the restroom, the importance of keeping your car clean and your trunk empty, and even when you may need to contact a potential rider to determine whether the requested ride is worth your while.

Even more important, since rideshare workers are self-employed, Jonathan walks you through ways to set up your own business to ensure you're covered with insurance and protected from liability, what you need to know to be able to pay your taxes, tips on setting up retirement plans, and all the basics to ensure your long-time financial success.

The back of the book includes appendices that list various apps you can use to enhance your rideshare venture and improve your chances for business success. Numerous other resources are also included, and there are even referral codes to take advantage of.

Driving Profits and Making Bank is the perfect book for anyone who might be interested in being a rideshare driver. It will tell you everything you need to know before you begin and will be your best friend even after you become a driver because you will want to continue exploring the many possibilities that exist for increasing your income while driving. In short, this book is encyclopedic in its resources. Buying and reading it may turn out to be the best investment you've made in yourself since getting your driver's license.

Conquer Your Mind With Positive Thinking: Free Yourself From Depression, Worry, Anxiety, And Fear

Negative thoughts reduce energy in you and make you to lose focus The more you give in to your negative thoughts, the stronger they become. Likewise, a small positive thought can have the same effect blossoming into a beautiful outcome. Negative thoughts should be avoided at all cost. When we start to have negative thoughts, it's hard to stop them. And it's much easier said than done to shift your focus to positive thoughts. But it's the only way, especially if you want to avoid going down a path that is painful and unnecessary.

Please find below what I did that help me overcome my negative thoughts

I Exercise for at least 5 minutes early in the morning everyday

Any form of exercise is OK. It took my focus away from my thoughts and brought my attention to my breath. Exercise is very relaxing, which helped ease my mind. You could also practice Yoga. Yoga is one of the best exercises that get rid of negative thoughts in your mind.

I surround myself with positive people and I make friends with them.

When you are feeling depressed, or various negative thoughts just fill your heart, talk to people of integrity to help you. People have a huge impact on your life. "You are the average of the five people you spend the most time with," says American entrepreneur and motivational speaker Jim Rohn. With this in mind, you should think about the people you're spending time with the same way you think about what you eat and how you're exercising. Some people can be parasites. They suck out your happiness, energy and maybe some of your tangible resources as well. Some people will even help you to instinct negative thinking into your mind, so be very careful whom you associate yourself with. Who are good people by the way,

They are people that will inspire you to be a better person, provide you with motivation to achieve your goals, empower you to make the changes you need to succeed and cheer on your success.

In the workplace, good people tend to be productive people. They're organized, create schedules they stick to and don't get easily distracted from the end goal. And all this help you be more productive!

I Smile regularly

Smile regularly preferable every day. Smile prevents negative thoughts, improves your mood, helps reduce stress, and makes you more appropriate.

I change the tone of my thoughts from negative to positive.

For example, instead of thinking negative, I think positive. Always allow positive thinking to occupy your mind. Believe that God, our creator is always there for you, so why thinking negative. "We will face some challenges in our living situation, but we will come up with solutions that we will both be happy with."

I help people in need and in most cases solve their problems. Helping someone will help in removing negative thoughts from your mind, take the focus away from you and do something nice for another person. I decided to make a tray of food and donate it to the Salvation Army. It took my mind off of things and I felt better for helping someone else.

Remember that no one is perfect and let yourself move forward.

It's easy to dwell on your mistakes. I felt terrible that I acted this way and that I wasted our weekend. The only thing I can do now is learn from my mistakes and move forward. I definitely don't want to have a weekend like that again.

I sing especially gospel songs

I don't remember lyrics very well and it's probably the reason that I don't enjoy singing, but every time I do sing I always feel better. When we sing, we show our feelings and this provides an amazing stress relief.

I List five things that I am grateful for right now.

Being grateful helps appreciate what you already have. Here's my list: my children, health, a four-week trip to West African Countries, a new yoga class that I'll be teaching, and for my mom's speedy recovery from illness.

I Read positive quotes.

I like to place Post-It notes with positive quotes on my computer, fridge door, and mirror as reminders to stay positive. Also, I'd like to share with you a quote by an unknown author that was shared in a meditation class that I attended:

Watch your thoughts, they become words.

Watch your words, they become actions.

Watch your actions, they become habits.

Watch your habits, they become your character.

Watch your character, it becomes your destiny.

Prayer Points

O Lord, allow me to promote understanding and peace, and rid me of negative thoughts, in my mind in the name of Jesus Christ.

O Lord, let me understand that ignorance isn't bliss; allow me to be wise and steadfast

O Lord, help me see the good in life, and prevent me from thinking negative thoughts.

O Lord my Father, forgive me for my impure thoughts.

O Lord, turn me away from the darkest thoughts, that I may learn to view things in a different light.

You said to your apostles, "I give you peace, my peace I give you." Grant me peace, Lord Jesus.

O Lord, I pray to you, Lord, to let goodness reign in my heart and good thoughts in my mind.

O Lord, help me see my true calling. That I may discard the thoughts of taking my life because of all the failures I have done.

O Lord, may I learn to control my temper to avoid hurting others in what I may say or do that I could never take back.

With everything that happened in my life, I have become so bitter. I pray to learn to be free of this and live life with happiness in my heart.

I ask you, Heavenly Father, to put my thought processes in order so that faith, hope, and love will be in my main thoughts.

O Lord, help me, Lord, to think of and meditate on things that are pure, noble, true, and praiseworthy. Change my way of thinking, Father, as you mold my life into your ways.

Heal my thoughts, O Lord. Purify them, Lord Jesus.

Grant me peace of mind, so I may do your will, O God.

O Lord, free my mind of evil thoughts, and Cleanse me of negative and impure thoughts.

At times the Devil put negative thoughts into our mind.

Scripture: Isaiah 12:2 "God indeed is my savior; I am confident and unafraid. My strength and courage is the Lord, and he has been my savior"

At times, the devil apparently does put evil thoughts in our head, or even directly incites us to do evil. According to John 13:27, Judas made a secret arrangement to betray Jesus to His enemies. When Judas went to inform them where they could find Jesus, the Bible says that "Satan entered into him". Judas did not really believe John 12:6, the Bible let us know that Jesus was the Savior sent from God to save us from our sins. In fact, the Bible further says that Judas "was a thief; as keeper of the money bag (for the disciples), he used to help himself to what was put into it" The lesson is clear: The farther we are from God, the more vulnerable we will be to Satan's attacks.

Don't be like Judas, but make certain of your commitment to Jesus Christ. If you've never done so, turn to Him and by faith ask Him to come into your heart and life. Then ask Him to fill your mind with His truth and His Spirit every day. The Bible says in James 4:7 "Submit yourself, then, to God. Resist the devil, and he will flee from you"

Not all evil thoughts come directly from Satan, however. Often they come from within - from our own sinful hearts. When they do, ask God to cleanse your mind and fill it with Christ.

Prayer points

I decree and I declare that all negative thoughts from the Devil in my mind is removed right now by the power in the blood of Jesus Christ.

By the power in the blood or Jesus Christ, I bind and rebuke any demon that will try, have tried and succeeded to disturb our peace o mind by polluting mind our soul and body in the name of Jesus Christ.

I command you Evil and Misfortune to live me a lone so that I can get rid of any type of hardship caused by you, nature and circumstances which includes financial hardships, emotional battles, spiritual burdens, frustrations caused by you right now in Jesus name.

O Lord, my Father, I ask for healing, abundance of blessings and miracles to reinstate what I have lost, I regain confidence in God and His people and I live peacefully without the fear of people's evil thoughts, words, deeds and even bad spirits in the name of Jesus Christ.

I bind and rebuke any evil and misfortune that would try to come against my prayer for the goodness of my soul, sound finances, great health, and peaceful living in Jesus name.

I pray and command that anyone or any spirit who causes trouble will never come back to hurt me, to take anything from me, never come back to my life as thieves, blasphemer, and nature's wrath in the name of Jesus Christ.

O Lord my Father, help me to renew my life for your glory and salvation of my soul. Help me to forgive and forget all the evil done against me in Jesus Name.

O Lord, I claim and proclaim the richness of life here on earth as well as in heaven.

O Lord, I claim and proclaim, peace, contentment and true happiness from within.

O Lord, I claim and proclaim, freedom from fear the of the unknown.

O Lord, I claim and proclaim complete confidence and dependence on God. I will be triumphant in life without the evil works, thoughts and doings.

O Lord, I claim and proclaim that I will all live with the abundance of God's provisions and promises as wealthy children of God who inherited His choicest blessings and the salvation of souls.

O Lord, I claim and proclaim that I am accepting Jesus as my Lord and personal Savior and through baptism I became son/daughter of the Father.

I thank You, Heavenly Father for Your Love. I thank You, Holy Spirit for empowering me to be aggressive against Satan and evil spirits. I thank You, Jesus, for setting me free. I thank You, Mary, for interceding for us with the holy angels and the saints.

O Lord Jesus, fill me with charity, compassion, faith, gentleness, hope, security, humility, joy, kindness, light, love, mercy, modesty, patience, peace, purity, tranquility, trust, truth, understanding, and wisdom. Help me to walk in Your Light and Truth, illuminated by the Holy Spirit so that together I may praise, honor, and glorify Our Father in time and in eternity. For You, Lord Jesus, are, "... the way, the truth, and the life" (John 14:6 ), and You "... have come that I might have life and have it more abundantly" (John 10:10 ).

How can your brain stay positive? The following exercises will help.

Be thankful every time, show gratitude,

"Gratitude is the quality of being thankful; readiness to show appreciation for and to return kindness. When you wake up each morning, make it a habit to write down at least three things you're grateful for. It can be anything from family and work to a good night's rest or the morning sunrise - whatever is positive in your life deserves a little thank you note from your soul. If it's difficult to think of something right away, realize that something JUST happened that you can be grateful for... you woke up today. Not everyone gets that opportunity.

Balance your mind with many activities

You can find balance in many activities, such as yoga, meditation, deep breathing, walking in nature or any other activity that puts your mind at rest. When you the mind ceases, the soul is allowed to speak. The calming energy produced from a good centering exercise surrounds the body, bringing about an unshakable spirit that will surely help you stay positive.

How to Free Yourself from Anger

a strong feeling of annoyance, displeasure, or hostility. Anger is often nothing more than an intense emotion caused by an apparent injustice. The destructive outcomes of anger are well known. When even a slight annoyance arises, it is capable of growing quickly and overwhelming your state of mind.

Anger results in (1) a loss of perspective and judgment, (2) impulsive and irrational behavior that is destructive to both yourself and others, and (3) loss of face, compassion, and social credibility.

Anger is often pointless, as the following Buddhist parable will illustrate.

In the New Testament, Ephesians 4:26-27 advise, "In your anger do not sin. Do not let the sun go down while you are still angry, and do not give the devil a foothold."

Free yourself from anger

There is no benefit to anger at all. All anger can beget is negative energy, which can aggravate an already volatile situation. Anger can also impede sound judgement and inhibit your ability to consider the negative consequences of your abrupt reactions.

The next time you're angry, consider the following response:

Stop. Don't respond immediately. Walk away from the situation that has instigated your anger.

Breathe deeply. Become fully aware of your state of mind. Assess what's going on.

Calm down and compose yourself. Invoke mindfulness to appeal to your wisdom. Anger and other emotional arousals often stem from a lack of self-awareness or mindlessness, and can simmer down if you just wait long enough.

Consider the matter from other points of view. Ask if there could be other possible explanations for what happened.

Identify the reasons for your anger by asking three questions:

a. "Is this matter serious enough to get worked up about?"

b. "Is my anger necessary and warranted?"

c. "Will getting angry make a difference?"

Reflect about what response will be most effective. Try to develop a wise and measured course of action.

Idea for Impact: A low-anger life is a happier life

Patience is the definitive antidote to anger and aggression. With patience, you may not always be able to eliminate anger, but you can usually control it. Patience can build and fortify your intellectual and psychological resources.

As Proverbs 19:11 tells in the Hebrew Bible, "A person's wisdom yields patience; it is to one's glory to overlook an offense." Ultimately, developing greater patience enhances your romantic, personal, professional, and casual relationships-as well as that all-important relationship: the one you have with yourself.

How to free yourself from worry

Worry pollute your mind and it can never be positive, But in the last decade I have found several habits that have helped me to greatly decrease my worrying and to more easily handle such thoughts when they pop up.

1. Most of things you worry about have never happened.

I love this quote by Winston Churchill:

"When I look back on all these worries, I remember the story of the old man who said on his deathbed that he had had a lot of trouble in his life, most of which had never happened."

I have found it to be very true in my own life.

So when you feel worries starting to pop up ask yourself this:

How many of the things I feared would happen in my life did actually happen?

If you are anything like me then the answer will be: very few. And the very few ones that actually happened were mostly not as painful or terrible as I had expected.

Worries are most often just monsters you build in your own mind.

I find that asking myself this question regularly and reminding myself of how little of the worries that actually came to life makes easier and easier to stay calm and to stop a worried thought before it becomes a big snowball of negativity.

2. Avoid fears. Be bold, don't be afraid of anything. Believe in God at all times. When fears feel vague in your mind, when you lack clarity then it is very easy to get lost in exaggerated worries and disaster scenarios.

So find clarity in a worry-inducing situation by asking yourself:

Honestly and realistically, what is the worst that could happen?

When I have answered that question then I follow it up with spending a bit of time on figuring out what I can do about it if that pretty unlikely thing happens.

In my experience, the worst that could realistically happens is usually not as scary as what my mind could make up when it is running wild with vague fears.

Spending a few minutes on finding clarity in this way can save you whole lot of time, energy and suffering.

3. Don't try to guess what is on someone's mind.

Trying to read someone's mind usually doesn't work too well at all. Instead, it can very easily lead to creating an exaggerated and even disastrous scenario in your mind.Communicate and ask what you want to ask. By doing so you'll promote openness in your relationship and it will likely be happier as you avoid many unnecessary conflicts and negativity.

4. In a situation you cannot think straight, say stop, don't say anything

From time to time when I am hungry or when I am lying in bed and are about to go to sleep I can become mentally vulnerable. And so worries can more easily start buzzing around in my head.

5. Remember, people don't think about you and what you do as much as you may think. They have their hands full with thinking about what other people think of them. And with thinking about what is closest to their hearts like their children, pets, a partner or the job or school. So don't get lost in worries about what people may think or say if you do something. Don't let such thoughts hold you back in life.

6. Work out.

Few things work so well and consistently as working out to release inner tensions and to move out of a headspace that is extra vulnerable to worries. I also find that working out - especially with free weights - makes me feel more decisive and focused.

7. Share your worry with someone close to you. This is one of my favorites. Because it tends to work so well. By letting someone close to you know about your worry, it becomes a whole lot easier to see the situation or issue for what it really is.

Just venting for a few minutes can make a big difference and after a while you may start to wonder what you were so worried about in the first place.

If you do not have anyone to talk to at the moment about the worry bouncing around in your mind then let it out by writing about it. Just getting it out of your head and reasoning about with yourself either on paper or in a journal on your computer can help you to calm down and find clarity.

8. Spend more time in the present moment.

When you spend too much time reliving the past in your mind then it easy to start feeding your worries about the future. When you spend too much time in the future then is also easy to get swept away by disaster scenarios.So focus on spending more of your time and attention in the present moment.

9. Refocus on the small step you can take to move forward.

To move out the worried headspace I find it really, really helpful to just start moving and taking action to start solving or improving whatever I am concerned about.

Prayer Points

Father, I thank you so much for delivering me from the activities of the kingdom of darkness

Because, Jesus Christ has set me from the law of sin and death I commit to live free from worry in the name of Jesus,

I humble myself under your mighty hand that in due time you may exalt me.

I cast away from myself, my husband, my wife and children, - all my anxieties, all my worries, all my concerns - once and for all in the name of Jesus Christ.

O Lord, take wrong thoughts captive, because you care for me affectionately and care about me watchfully. You sustain me. You will never allow the consistently righteous to be moved - made to slip, fall, or fail!

O Lord, I cast down imaginations (reasoning's) and every high thing that exalts itself against the knowledge of you, and I bring into captivity every thought to the obedience of Christ.

O Lord, I lay aside every weight and the sin of worry. I run with patience the race that is set before me, looking unto Jesus, the Author and Finisher of my faith.

O Lord, help me fix my mind on those things that are true. I thank You Father, that You are able to keep that which I have committed unto You. I thank you for fixing my mind on those things that are true, honest, just, pure, lovely, or good report, virtuous, and deserving of praise. I will not let my heart be troubled.

I abide in Your Word, and Your Word abides in me. Therefore, Father, I do not forget what manner of person I am. I look into the perfect law of liberty and continue therein, being not a forgetful hearer, but a doer of the Word and, thus, blessed in my doing!

Numerology Magic Square Talismans as Money Charms

Magic Squares make a potent talisman or charm for enhancing certain talents and abilities of their bearer. Numerology provides us with a powerful way to construct a personal money charm just for you. Let's see how this can be done.

Date of Birth as a Sigil

In numerology and astrology, your Date of birth is a defining signature element for you. Your entire reading in both disciplines is built around this number. So, if I wish to construct a magic talisman using numbers and associate it's power with you, using your date of birth in the charm is a natural way to build this association.

There are other means, such as using your name or signature in the talisman, but since I'm using numbers to construct the charm anyway, your date of birth makes a perfect sigil to represent you.

Yantra Magic Squares

Yantra magic squares are magic squares built using your date of birth, and your Life Path number as the top row of the square. They are powerful good luck charms for the person they are constructed for. But, they don't necessarily attract wealth and riches to the person.

Eight - The Money Number

In numerology as well as other physic disciplines, eight is associated with money and riches. To specifically attract more money to a person, I can construct a magic square talisman where the rows and columns sum to a number which reduces to (8) using fadic addition. The numbers: 26, 35, 44, 53, 62, 71, 80, 98, and 107 all have this properity.

So, in order to create my talisman, I start with someone's Yantra magic square, and then change the last box in the top row from their Life Path number, to a number which produces a square where the rows sum to (8).

Let's look at an example to see my meaning.

Johnny Depp's Money Talisman

Actor Johnny Depp was born on June 9th, 1963; so his Life Path number would be (7) as shown below.

Life Path = (06 + 09 + 1963) = (1978) = (1 + 9 + 7 + 8) = (25) = (7)

The first row of his Yantra Magic square we be his Month, Day, Year (less century) and his Life Path number, and would look like this:

( 6 )( 9 )( 63 )( 7 )

The row totals (85) which reduces to (4) by fadic addition. If I substitute a (2) in the last box on the row for his Life Path number of (7), then the resulting row will sum to (80) which will reduce to and (8) using fadic addition.

Making the substitution, and then calculating the rest of the Magic square by formula, I get the following:

( 6 )( 9 )( 63 )( 2 )

( 61 )( 4 )( 4 )( 11 )

( 3 )( 64 )( 8 )( 5 )

( 10 )( 3 )( 5 )( 62 )

Summary

So with a little work, I can create a (4 x 4) Yantra magic square focused on a particular person, and targeted to draw money and financial success to them.

An Inspiring History of a Small Business

In 1980, a husband and wife, purchased their first home in Arizona. The husband was managing a vacuum cleaner store, and the wife was a cashier at a grocery store. The husbands only day off was Sunday, and the wife was off 2 different days of the week, so, they never had much time together. They had no children, but the wife was breeding Afghan Hound dogs.

The husband was watching TV one peaceful Sunday afternoon, and all of a sudden the TV sparked, smoked, sputtered, and lit on fire. He jumped off the sofa, opened the front door, unplugged the TV, picked it up and thread it in the front yard.

Even with both the husband and wife working, they did not have enough money to buy a new TV. The new house had eaten up all of their extra money, and there were a lot of new expenses in owning a new home.

The husband was talking to a friend of his about his financial problems. His friend stated that his father used to own a vacuum business, and said, "Why do not we go to the Flea Market in Phoenix on weekends and sell vacuum cleaners, bags, belts, and parts." I told him that it sounded like a good idea, but my only day off was on Sunday. We agreed that he would work Saturday, and we would both work on Sunday.

The only other problem was that this person had no money for inventory, so his friend said that he would put up the money for some inventory to get their business started. They both agreed that they would put all the profit into buying more inventory, and vacuum cleaners that they would both rebuild and sell.

They followed through with their plans, and their new business was a success. They were selling huge amounts of bags, belts, and parts, as well as buying old vacuums, fixing them up, and reselling them. All of the profit they made went back into the business, and they started doing more and more business. It was all very exciting, but the only problem was that one of the partners was now working 7 days a week, and still did not have enough money to buy a new color TV.

After about 2 months, the one partner mentioned that he would like to get a little money from the business to buy a new color TV. He was kind of surprised when his friend said, "No Way". He tried to talk his friend into it, but his friend was totally against the idea of ​​taking any money out of the business. His partner said that he would rather just buy him out of the business that they started, and have the business all to himself. They agreed, and the one partner was paid about $ 800.00, for his share of the business.

Finally the one partner was able to go out and by a new color TV. Then, he thought of what he could do with the other $ 400. Well, right or wrong, he called the vacuum parts distributor that they were both buying from and ordered $ 400.00 worth of bags and supplies, and the following Sunday, he went to the Flea Market, and started his own business. His friend ran into him and kind of smiled and said, "Oh well, I guess we did not talk about you doing your own thing out here." The other partner said that all he wanted was some money to get a new color TV, and that he was the one who wanted to split up the partnership. They both laughed and remained good friends and competitors that helped each other for many years.

The one partner continued to buy more and more supplies, and soon had a huge display of parts, bags, belts, and new and used vacuum cleaners. He was so busy that most of the time, he had no way of going to get lunch, or a coke, or anything. After a couple of months of suffering alone, he needed help so badly that he asked his wife to quit her job which she did, so that she could help out with their new business.

During the next several years they continued to grow, and soon they had a 30 foot trailer and 4 employees helping them at the Flea Market, and at their home, where they were repairing and rebuilding vacuums during the week. They got to know all of their neighbors at the Flea Market, including the ones who sold futons behind their stand.

After a few more years they became friends with their futon friends, and they decided to rent a store together. It was their first actual store, and they split the store space and rent. I all seemed to be going well for both of them, but one morning, after a couple of months, the vacuum people went to open their store, and all of their futon friends things were gone. All of their futons, desks, computer, everything was gone. They had vanished in the night. All that was left was a note explaining that they were not making it, and that they felt bad, but they had to abandon ship and move to Seattle. This was quite a surprise to the vacuum people, who were left with all of the expenses of the store, but luckily their business was able to handle the bills.

The first day that the futon people were gone, they had 2 or 3 people come into their store and ask them where are all of the futons were? They could have told them that the futons were gone, and that all there were now were vacuums. Instead, they asked the potential customer what size they wanted and what color, and they knew enough about futons, and where to get them, that they were able to make a couple of sales without any futons in the store at all.

This was the beginning of a kind of a strange combination that was not planned at all, but it worked, and they had many customers who bought both a vacuum cleaner and a futon. Sometimes the futon part of our business was so busy that they had less and less time for the vacuum part of the business, so they ended up selling it to one of their competitors. This futon business has continued to grow year after year, but was never planned.

That is a story of how 2 people started a business on the side, which developed into a full time business, and then completely chaged to a different business altar. It shows how in business you must be able to adapt, and to go with the flow, in order to survive.

Lessons In Business Success From Muhammad Ali

Whether you like boxing or not there is no question that Muhammad Ali still remains a respected figure when it comes to becoming a champion and achieving great success. So what can you learn from him and apply in your own business in order to realize your own great success?

Let's look at two quotes from Muhammad Ali:

'He who is not courageous enough to take risks will accomplish nothing in life.'

I hated every minute of training, but I said, "Do not quit. Suffer now and live the rest of your life as a champion."

This does not mean that you have to suffer to succeed and build a great business, but these quotes should make you consider what achieving success is worth to you?

Is it worth putting in a few extra hours a few week to start your own venture that can then give you the freedom you have dreamed about for so long? You may have been afraid to just up and quit your job and start your own company so far for fear of financial security and income. Though today you can realistically kick off a new enterprise in a few hours a week, and wait until your revenues start rolling into tell your boss what you think of them. Many entrepreneurs today, armed with the right business models are making incredible incomes in just a few hours a week, while having plenty of time to enjoy life to the max.

Is achieving true financial freedom by having a business that works for you instead of your working for it worth a small investment. It really does not cost a lot to start your own business today. In fact it has never been easier to launch your own start up. With a little coaching, a website and a reasonable marketing budget you could finally be able to be free from your corporate chains and be confident in being able to enjoy a comfortable retirement.

Sure you may face a little criticism and doubt from coworkers and those close to you. Although is not it worth it to be able to craft a business and lifestyle that these critics have only dreamed of, yet have been too afraid to attempt themselves. Make them eat their words.

Starting your own company may take a little hard work in the beginning, but is not that more than a fair trade for being able to have money working for you for the rest of your life instead of you having to work for your money and depend on your boss' good moods to bring home the bacon?

The New Way to Make Money Online

People today are scared, asking themselves am I really signing up for the next best thing or am I just falling into the same old TRAP. Well...people today should be. The online business world is changing out there and many newcomers are falling victim to this change.

In order to first know why this change is happening, we need to know the concept of money-making opportunities online. Many "Money Making Systems" start with the promise, and that's what everybody want to here, the promise of getting unlimited wealth. Now that's a BIG promise, and in the beginning of this revolution it worked. The initial starters of the business brought people together, just asking for a BIG down payment, get them into the system and have them recruit others to do the same. But what happens when the one on top start generating massive amounts of income and more and more people start joining and that new idea starts to become old; the people on top retire the people on the bottom give up and everybody caught in between...well they struggle to to keep up and either give up with what they have or scam people to join a dead idea.

Well, I'm here to tell you to not worry about it, as the old business system crumbles well the NEW business system emerges. Why should people still pay large amounts of their own money to go into something that...well won't provided them with any income. How about changing that old mind set to this; why don't money-making opportunities simply PAY people to join, giving them the opportunity to test their way out and once people start building a TEAM, then and only then can people start to invest in it. THAT'S the new way of making legit money out their and THAT'S the way that will save people their own time and effort of just paying for a system they don't really know about and FAILING.

Now this isn't the only change going on out there. Unlike the old systems that just recruit you and then leave you to do your own bidding with no training what so ever, there are systems that actually STAY WITH YOU throughout your road to financial success. Some systems instead of paying your way in actually BUILD A TEAM for you and help you in your promotions and advertisements and even in physically giving you referrals. Hard to believe huh...well it's true and instead of taking your money and not hearing from them again they always keep you updated and always are with you step by step.

As, you can probably tell my writing is not as good as it should, but even so I'm writing this so I can let everybody out there who is still struggling with there methods that there is hope and to no give up. The old systems that you may already be in well if you are a TRUE respectable person and not one of the scammers out there well yeah you can definitely build it back up through time and advertising and really truly build the system as it should, and maybe even turn that system to this new train of thought...Or you can jump off that crumbling system and join many of these great new money making systems and NEVER be left alone.

I hope these words of mine helped you in your quest to success...As for me I'm one of those people who were trapped in those old system just paying fee after fee, but now I changed my way of thinking to these new thoughts and ideas and well rebuilt myself with these new systems.

Telecoms for Business

Any business relies on technology to operate. With fast and reliable internet connections, strong mobile signals and advanced telecoms systems, it is possible to effectively communicate with customers and collectors, suppliers and partners in a variety of ways. Any business that does not have access to the latest technology is put at a disadvantage.

The accelerated rate at which digital technology has grown in recent years and our reliance on it has put great pressure on the capacity of copper based networks. The wide scale deployment of fiber (often referred to as Fiber to the Premises or FTTP) networks is being seen as the only way to address this and equip homes and businesses with what they need.

A recently released 'Building Gigabit Britain Report' compiled by leading UK businesses highlights the importance of a wide spread fiber network to the long term prospects of British business and the wider economy. As the population embracements advances in digital communications, wireless devices, remote working and competition in global markets, the need for fiber is obvious.

The Report highlights a number of ways in which the Government could, and in opinion of the authors should, support the roll out of a new fiber infrastructure. These include investing in a clear strategy that commits to 80% of the population having access to fast fiber broadband by 2026, with near universal coverage by 2030.

In regards to the regulations which currently govern the industry, it is noted that whilst some regulations help to protect customers, others are more of a hindrance to progress. It suggests that some of the financial barriers are removed and that current regulations are reworked in order to encourage both competition and collaboration from telecoms companies. This is seen as vital for innovation in communications and private investment in rolling out the fiber networks.

The report also raises the importance of advertising guidelines being enforced, so that clear and transparent information is available to the public. The success of many local economies could depend on the timely roll out of fiber and how the process is communicated and managed by local councils and telecoms companies.

Fast and Reliable Broadband

So, if fast and reliable broadband and embracing digital technology is so essential to the future of the British economy, how does it affect your business? Did broadband speed influence your decision on where locate your business? Are you reliant on the roll out of fiber in order to realize the goals in your business plan?

Has fast reliable broadband enabled you to make the most of the latest business telecoms systems? If so, your employees could be as easy to contact (by you and your customers) whether they are at their desk, out at a business event, or working remotely. You could be saving time and money by conference calling partners and clients, rather than meeting in person. You can avoid missing that important call with voice mail and printed transcripts of the message.

Many companies have not upgraded their business telecoms in recent years, it simply has not seemed like the top priority, but much like your IT, there can be significant benefits from streamlining procedures, increasing productivity and integrating one system with another.

Business Telecoms Systems

Your company may have to wait several years before fast and reliable fiber systems are in place, but you can give your operations an advantage by investing in the latest business telecoms systems. If your team are finding it increasingly difficult to manage the increasing volume of calls, or seasonal peaks, then this could be a sign that an upgrade is due.

Other indicators include issues with resolving problems with the system and the prohibitive challenges associated with adding new lines or integrating the phones with other technology. Whilst many Company Directors have concerns about the cost of an upgrade, the reality is that the latest business telecoms are often far more cost effective that older systems and can lead to considerable savings in the long term.

How to Design and Layout a Coffee Shop Or Espresso Bar

If you are planning to open an espresso bar/coffee shop, then developing an efficient store design and layout will be one of the most important factors in positioning your business for success.

Speed of service is critical to the profitability of a coffee business. An efficient ergonomic store design will allow you to maximize your sales by serving as many customers as possible during peak business periods. Even though your business may be open 12 to 16 hours a day, in reality, 80% of your sales will probably occur during 20% of those hours. Coffee is primarily a morning beverage, so your busy times of day (those times when you are most likely to have a line of waiting customers), may be from 6:30AM to 8:30AM, and then again around lunchtime. If you have a poor store layout, that does not provide a logical and efficient flow for customers and employees, then the speed of customer service and product preparation will be impaired.

Think of it like this; if someone pulls open the front door of your store, and they see 5 people are waiting in line to order, there's a good chance they'll come in, wait in line, and make a purchase. But, if they see that 20 people are waiting in line, there is a high probability that they may determine that the wait will be too long, and they will simply get coffee somewhere else. This is money that just escaped your cash register! And, if they come to your store multiple times, and frequently find a long line of waiting customers, they may decide you are not a viable option for coffee, and will probably never return. Poor design slows down the entire service process, resulting in a longer line of waiting customers, and lost sales. So in reality, your daily business income will be dependent upon how many customers you can serve during peak business periods, and good store design will be essential to achieving that objective!

The financial impact of a poor store design can be significant. For the sake of this example, let's say the average customer transaction for your coffee business will be $3.75. If you have a line of waiting customers each morning between 7:00 AM and 8:30 AM, this means you have 90 minutes of crunch time, in which you must drive through as many customers as possible. If you can service a customer every 45 seconds, you will serve 120 customers during this 90 minutes. But, if it takes you 1 minute 15 seconds to service each customer, then you will only be able to serve 72 customers. 120 customers x $3.75 = $450.00 x 30 business days per month = $13,500. 72 customers x $3.75 = $270.00 x 30 business days per month = $8,100. This represents a difference of $5,400 in sales per month ($64,800 per year), coming from just 90-minutes of business activity each day!

So how should you go about designing your coffee bar? First, understand that putting together a good design is like assembling a puzzle. You have to fit all the pieces in the proper relationship to each other to end up with the desired picture. This may require some trial and error to get things right. I've designed hundreds of coffee bar over the past 15 years, and I can truthfully tell you from experience, it still usually takes me a couple of attempts to produce an optimal design.

The design process begins by determining your menu and other desired store features. If you plan to do in-store baking, then obviously you'll need to include in your plan an oven, exhaust hood, sheet pan rack, a large prep table, and perhaps a mixer. If you plan to have a private meeting room for large groups, then an extra 200 sq. ft. or more will need to be designed-in, in addition to the square footage you are already allocating for normal customer seating.

Your intended menu and other business features should also drive decisions about the size of location you select. How many square feet will be required to fit in all the necessary equipment, fixtures, and other features, along with your desired seating capacity?

Typically, just the space required for the front of the house service area, (cash register, brewing & espresso equipment, pastry case, blenders, etc.), back of the house (storage, prep, dishwashing and office areas), and 2-ADA restrooms, will consume about 800 sq. ft. If space for extensive food prep, baking, coffee roasting, or cooking will be required, this square footage may increase to 1,000 to 1,200, or more. What ever is left over within your space after that, will become your seating area.

So, a typical 1,000 sq. ft coffee bar, serving beverages and simple pastries only, will probably allow for the seating of 15 to 20 customers - max! Increase that square footage to 1,200 sq. ft., and seating should increase to 30, or 35. If you plan to prepare sandwiches, salads, and some other food items on site, 1,400 to 1,600 sq. ft. should provide enough space to seat 35 to 50, respectively.

Next, you will have to determine the tasks that will be performed by each employee position, so that the equipment and fixtures necessary to accomplish those tasks can be located in the appropriate places.

Normally, your cashier will operate the cash register, brew and serve drip coffee, and serve pastries and desserts. Your barista will make all your espresso-based beverages, tea, chai, hot chocolate, Italian sodas, as well as all the blender beverages. If you'll be preparing sandwiches, panini, wraps, salads, snacks and appetizers, or will be baking on-site, then a person dedicated to food prep will be necessary. And, if you anticipate high volume, and will be serving in or on ceramics, a bus-person/dishwasher may be a necessity.

After you have determined what you will be serving, the space you will be leasing, and what each employee will be responsible for, you will then be ready to begin your design process. I usually start my design work from the back door of the space and work my way forward. You'll need to design in all of the features that will be necessary to satisfy your bureaucracies and facilitate your menu, before you make plans for the customer seating area.

Your back door will most likely have to serve as an emergency fire exit, so you'll need a hallway connecting it with your dining room. Locating your 2-ADA restrooms off of this hallway would make good sense. And, because delivery of products will also probably occur through your back door, having access to your back of the house storage area would also be convenient.

In the back of the house, at minimum, you will need to include a water heater, water purification system, dry storage area, back-up refrigerator and freezer storage, ice maker, an office, 3-compartment ware washing sink, rack for washed wares, mop bucket sink, and a hand washing sink. Do any food prep, and the addition of a food prep sink and prep table will be necessary. If doing baking, gelato making, full cooking, or coffee roasting, all the equipment necessary for those functions will also need to be added.

After all the features have been designed into the back of the house, you will then be ready to start your design work on the front of the house service and beverage preparation area. This area will probably include a pastry case, cash register(s), drip coffee brewer and grinder(s), espresso machine and grinders, a dipper well, possibly a granita machine, blenders, ice holding bin, blender rinse sink, hand washing sink, under counter refrigeration (under espresso machine and blenders), and a microwave oven.

If serving food beyond simple pastries and desserts, you may need to add a panini toaster grill, a refrigerated sandwich/salad preparation table, soup cooker/warmer, a bread toaster, etc. If you plan to serve pre made, ready to serve sandwiches, wraps, and salads, along with a selection of bottled beverages, an open-front, reach-in merchandising refrigerator should be considered. Serving ice cream or gelato? If the answer is yes, then an ice cream or gelato dipping cabinet will be necessary along with an additional dipper well.

Finally, when all the working areas of the bar have been designed, the customer seating area can be laid out. This will, of course, include your cafe tables and chairs, couches and comfortable upholstered chairs, coffee tables, and perhaps a window or stand-up bar with bar stools. Impulse-buy and retail merchandise shelves should be established, and a condiment bar should be located close to where customers will pick-up their beverages.

A quick word about couches, large upholstered chairs, and coffee tables. Living room type furniture takes up a lot of space. If you plan to be opening evenings, and will perhaps serve beer and wine, and having comfortable seating will be important for creating a relaxing ambiance, then by all means do it. But if you have limited seating space, and are not trying to encourage people to relax and stay for long periods of time, then stick with cafe tables and chairs. The more people you can seat, the greater your income potential!

Features from the front door to the condiment bar should be arranged in a logical, sequential order. As your customers enter the front door, their travel path should take them past your impulse-buy merchandise display, and the pastry case, before they arrive at the point of order (where your cashier, cash register, and menu-board will be located). Exposing customers to your impulse items and pastries, before they order, will greatly increase their sales. Then, after the order and payment has been taken, they should proceed down-line away from the cash register to pick-up their beverage, and finally, the condiment bar should be located beyond that point. Be sure to separate your point of order from the point of product pick-up by at least six feet, otherwise customers waiting for their beverage may begin to intrude into the space of those ordering.

Don't make the mistakes that many inexperienced designers commonly make. They arrange these features in a haphazard way, so that customers have to change direction, and cut back through the line of awaiting customers to proceed to their next destination in the service sequence. Or, wanting to make their espresso machine a focal point to those entering the store, they place it before the cashier along the customer's path of travel. Customers inevitably end up trying to order from the barista before they are informed that they need to proceed to the cashier first. If this happens dozens of times each day, confusion and slowed beverage production will be the result.

On the employee's side of the counter, work and product flow are even more important. Any unnecessary steps or wasted movements that result from a less than optimal design will slow down employee production. All products should flow seamlesly in one direction towards the ultimate point of pick-up. For example, if preparing a particular item is a 3-step process, then placement of equipment should allow for the 3 steps to occur in order, in one linear direction, with the final step occurring closest to the point where customers will be served.

Equipment should be grouped together so that it is in the immediate proximity of the employee(s) who will be using it. Beyond the actual equipment, empty spaces must be left on the counter top to store ingredients and small wares (tools) used in product preparation. Counter top space will also be needed where menu items will actually be assembled. Think of the grouping of equipment for different job functions as stations. Try to keep different stations compact and in close working proximity to each other, but make sure that there is enough space between each so that employee working-paths don't cross, which could contribute to employee collisions.

Creating defined work stations will allow you to put multiple employees behind the counter when needed. When it is busy, you may need to have 2 cashiers, another person just bagging pastries and brewing coffee, 2 baristas behind the espresso machine, a maybe even a dedicated person working the blenders. If you're preparing sandwiches and salads to order, then another person may need to be added to handle that task. Keeping your stations in close proximity to each other will allow one employee to easily access all equipment during very slow periods of business, thus saving you valuable labor dollars.

When you arrange equipment in relationship to each other, keep in mind that most people are right handed. Stepping to the right of the espresso machine to access the espresso grinder will feel more comfortable than having to move to the left. Likewise, place your ice storage bin to the right of your blenders, so when you scoop ice, you can hold the cup or blender pitcher in your left hand, and scoop with your right.

As you create your store layout, the equipment you select should fit your space and the needs of your anticipated business volume. A busy location will most likely require a dual or twin, air pot, drip coffee brewer (one that can brew 2 pots at the same time), as opposed to a single brewer. If you anticipate selling a lot of blended and ice drinks, then an under counter ice maker, one that can only produce 100 pounds of ice or less per day, will not be sufficient. You should instead locate a high-capacity ice maker (one that can make 400 or 500 lbs. per day) in the back of the house, and transport ice to an ice holding bin up front. Plan to bring in frozen desserts and ice cream? Then a 1 door reach-in freezer in the back of he house will probably be inadequate for you storage needs, so you'll need to consider a 2 or 3 door. I always recommend a 3-group espresso machine for any location that may generate 150 drinks per day or more. And, I can tell you from experience, you can never have too much dry or refrigerated storage space!

Make sure that any equipment you select will be acceptable with your local bureaucracy before your purchase and take delivery of it. All equipment will typically need to be NSF & UL approved, or have a similar, acceptable, foreign certification equivalent. Your bureaucracy will most likely want to see manufacturer specification sheets on all equipment to verify this fact, before they'll approve your plans.

ADA (American's with Disabilities Act) compliance will also come into play when you are designing your coffee bar. In some areas of the country, this will only apply to those areas of your store that will be used by customers. However, other bureaucracies may require your entire store to be ADA compliant. Following are some of the basic requirements of compliance with the code:

• All hallways and isle ways must be 5 feet wide (minimum).

• All countertop working heights must be 34 inches high (instead of normal 36 inch height).

• 18 inches of free wall space must be provided on the strike-side of all doors (the side with the door knob).

• All hand-washing sinks must be ADA friendly.

• All bathrooms must be ADA compliant (5 foot space for wheelchair turnaround, handrails at toilet, acceptable clearance around toilet and hand washing sink, etc.).

• No steps allowed, ramps are OK with the proper slope.

• If your space has multiple levels, then no feature may exist on a level where handicapped access has not been provided, if that same feature does not exist on a level where it will be accessible.

You can find the complete regulations for ADA compliance at the following website:

http://www.access-board.gov/adaag/html/adaag.htm

Beyond the basic Equipment Floor Plan, showing new partitions, cabinets, equipment, fixtures, and furnishings, you'll need to produce some additional drawings to guide your contractors and satisfy the bureaucracies.

Electrical Plan

An electrical plan will be necessary to show the location of all outlets needed to operate equipment. Information such as voltage, amperage, phase, hertz, special instructions (like, "requires a dedicated circuit"), and the horizontal and vertical location of each outlet, should all be specified.

A small, basic coffee shop might get away with a 200 amp service, but typically 400 amps will be required if your equipment package will include items like an electric water heater, high-temperature dishwasher, or cooking equipment (ovens, panini grill, etc.).

In addition to the electrical work required for your coffee business-specific equipment, you may need to adjust existing electrical for additional or reconfigured lighting, HVAC, general-purpose convenience outlets, and exterior signs. Also, have your electrician run any needed speaker wires, TV/internet cables, and cash register remote receipt printer cables at the same time they are installing electrical wires. Finally, make sure your electrician makes provisions for lighted exit signs, and a battery-powered emergency evacuation lighting system, if needed.

Plumbing Plan

A plan showing all plumbing features will be necessary. At minimum, this should show stub-in locations for all needed water sources (hot & cold), drains, your water heater, water purifications system, grease interceptor (if required), bathroom fixtures, etc.

While a typical P-trap drain should be acceptable for most fixtures and equipment, some will require an air-gap drain. An air gap drain does not go through the "S"-shaped twists of the P-trap. Instead, the drain line comes straight down from the piece of equipment or fixture, and terminates 2 inches above the rim of a porcelain floor sink drain. This porcelain drain basin is usually installed directly into the floor. The air gap between the drain line from your equipment or fixture, and the bottom of the basin, prevents any bacteria in the sewer pipe from migrating into the equipment or fixture. I drain the following pieces of equipment to a floor sink drain when creating a plumbing plan:

• espresso machine

• dipper wells

• ice maker

• ice holding bin

• food prep sink

• soft drink dispensing equipment

To save on the life of your water filtration system, only your espresso machine and coffee brewer should be supplied by with treated water. Coffee is 98% to 99% water, so good water quality is essential. Your ice maker should only require a simple particle filter on the incoming line (unless your water quality is terrible). There is no need to filter water that will be used for hand and dish washing, cleaning mops, flushing toilets, and washing floors!

Be aware that many bureaucracies are now requiring a grease interceptor on the drain line from your 3-compartment ware washing sinks and automatic dishwasher. A grease interceptor is basically a box containing baffles that traps the grease before it can enter the public sewer system.

Also understand that a typical retail space will not come equipped with a water heater with enough capacity to handle your needs. Unless your space was previously some type of a food service operation, you will probably need to replace it with a larger one.

If cutting trenches in the floor will be necessary to install porcelain floor sinks, a grease interceptor, and run drain lines, then establishing a few general purpose floor drains at this same time behind the counter, and in the back of the house, will prove useful. Floor drains will allow you to squeegee liquids away when spills occur, and when washing floors.

Finally, if you added some new walls during your remodel, you may need to have the fire sprinkler system for your space adjusted or reconfigured.

Cabinet Elevations

Drawing cabinet elevations, (the view you would have if you were standing in front of your cabinets), will be necessary for your cabinet maker to understand all the features they will need to incorporate into your cabinet designs.

These elevations are not meant to be shop fabrication drawings for your cabinetmaker, but merely serve a reference, showing needed features and desired configuration. Where do you want drawers, and under counter storage space; and, where do you want cabinet doors on that under counter storage? Where should open space be left for the placement of under counter refrigeration and trashcans? Will cup dispensers be installed in the cabinet face under the counter top? These elevations will provide your cabinetmaker with a clear understanding of all these features.

While your kitchen base cabinets at home are typically 24 inches deep, for commercial applications they should be 30 inches deep, and 33 inches if an under counter refrigerator is to be inserted. Also, when specifying the size of an open bay to accommodate under counter refrigeration, be sure to allow a couple of inches more than the physical dimensions of the equipment, so that it can be easily inserted and removed for daily cleaning.

Dimensions Plan

You will need to create a floor plan showing all the critical dimensions for new partitions, doors, cabinets, and fixtures. This will, of course, help make sure that everything ends up where it is suppose to be, and will be the right size.

A final thought about design; unless the space you will be designing is a clean vanilla shell (meaning, nothing currently exists in the space, except perhaps one ADA restroom), you will have to make sure that all the features that you are considering keeping, will be acceptable with your local bureaucracy. Many older buildings were not designed to present codes. If the business type remains the same (your space was occupied by a food service establishment before you), then some times any non compliant features will be grandfathered-in, meaning you don't have to bring them up to current requirements. But don't count on this! You need to check with your bureaucracies to make sure. More and more I see bureaucracies requiring new business owners to remodel, so that all features are compliant with codes. This means you may have to rip-out bathrooms and hallways, add fire sprinkler systems, and provide ramps where there are steps. Better you know all these things before you begin your store design!

I always tell my consulting clients, that if I produce a perfect design and layout for them, they will never notice... because everything will be exactly where you would expect it to be. Unfortunately, if you create a less than optimal design for your coffee bar, you probably won't realize it until you start working in it. Changing design mistakes or inadequacies after the fact, can be extremely expensive. Not correcting those mistakes may even cost you more in lost potential sales. For this reason, I strongly suggest using an experienced coffee business space designer to create your layout for you, or at very least, to review the design you have created. Doing so will payoff with dividends.