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Today's Feature Article

Position Your Home Based Business to Profit From Debt
Adrian McCluskey

A variety of recognized financial experts suggest the biggest problem facing North Americans today is personal debt. We are a society that believes in and practices instant gratification. North Americans owe more money now than ever before. Installment debt, including auto loans and credit-card balances topped a record $1 trillion in 2006 - a one-third increase in just the past two years. Over the past decade, total household debt has soared from 80 to 93 percent of annual disposable income. More people declare bankruptcy each year than graduate from college.

The situation today is polar opposite to the one our grandparents faced. A generation or two ago, Grandma and Granddad paid cash for just about every thing. They would have a mortgage and monthly bills and that was usually it. If they wanted something else, they saved for it and purchased the item in cash. Credit cards hadn’t been invented and the banks were not the hyper- competitive organizations they are today.

Nowadays, if we want something, the likely plan of action is to whip out the credit card or make a mad dash for the line of credit, make the purchase and bring it home. The small details of how to pay for it or even how much more it’s going to cost us because of the interest on the loan are conveniently pushed aside in a rush to watch the football game on the new hi-definition big screen. North Americans are bleeding their financial health away by ignoring the long term ramifications of their purchasing habits.

It’s a sorry situation but our subject is running a home based business - not debt management. So what the heck you may ask, does this have to do with starting and running a successful home based business. Plenty actually because millions are searching the internet looking for a business opportunity not only because it offers the great lifestyle but also the potential of big earnings to help get them out of debt. An honorable goal by any standards and one to which we can help; especially if we are fine tuned to the needs and wants of this new breed of prospects.

Those of us lucky enough to work in the home based business industry know the benefits, both financial and lifestyle that make it so appealing to the masses. If you’re lucky enough to find the right opportunity, put in the necessary time and effort to give yourself an excellent chance of success, then a six or multiple six figure income (or higher) is absolutely realistic. Combine that with the fantastic tax advantages that come from operating a home based business. Then add the investment power your added income gives you and you can be on the way to complete financial freedom in as little as five years. Packaged correctly and marketed to your prospects, this is an irresistible combination that can increase your sales to new and exciting heights.

One of the best ways to benefit most from this wave of prospects is to be creative in how you help your less affluent prospects get started in the business. Something as simple as a taking the time to connect properly and instill a sense of belonging or a little well-placed advice on where to find the funds to get started may be all that’s required to sign up your next star consultant. Some entrepreneurs suggest it’s not worth your time dealing with folks who haven’t got the funds to get started immediately but I will suggest just the opposite. While it’s true that you do get a lot of tire kickers and wannabes taking up your time and screening is a necessary evil, everybody has heard the tales of consultants who went from rags to riches and made fortunes in this industry even though they started with next to nothing but desire to succeed and a little help along the way. Wouldn’t it be nice to have one, two or several of those on your team?

Debt levels in North America are forecasted to continue rising. This means a steady stream of prospects looking at starting a home based business as a means to eradicate their financial concerns and to facilitate a move to a life of abundance. A savvy home based entrepreneur that puts him/herself in a position to offer an attractive business model combined with a compassionate approach that is sensitive to the needs of the prospect will see the benefits of vastly increased sales.

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Adrian McCluskey is a highly experienced home based business entrepreneur and online marketing professional. His personal mission is to help new and experienced entrepreneurs reach complete financial freedom without compromising integrity and honesty. Please email any questions to: adrian.successtogether at gmail.com. He laid back and easy to talk to. Click here:
http://www.success-together.com

Today's Motivational Reading

How To Be Happy Being You
Jacky Tustain

Personal Acceptance

What does acceptance mean to you – being resigned to something or finding peace within ourselves by ‘going with the flow’? When we accept something we take it at face value without question.

Acceptance of others and our lives can be very difficult. We don’t like the way other people behave, we may not like the way we are, physically or mentally. The idea of acceptance being resignation to your lot seems to contradict a lot of what we try to achieve through self development and personal coaching. I’d like to challenge that perception and look in more detail at personal acceptance.

The Challenge

If we accept ourselves and others as we are does that mean that we never improve?

Does that mean that we throw away all thoughts of personal growth, goals and future plans? No, absolutely not!

True Acceptance

Consider the fable by Aesop about the peacock and Juno.

A Peacock once placed a petition before Juno desiring to have the voice of a nightingale in addition to his other attractions; but Juno refused his request. When he persisted, and pointed out that he was her favourite bird, she said

Be content with your lot; one cannot be first in everything.

This moral tale does not mean that we cannot better ourselves. The peacock has many merits. Visually he is a stunning creature, however if anyone has heard a peacock you will know they have a horrible call. What we can learn from this is to accept who we are for the people that we are and work with that. The peacock has to accept his raucous voice but he can still ‘strut his stuff’ and display his beautiful plumage.

For us this means that we can examine who we are and work with our personal abilities and talents to improve ourselves rather than looking at other people and wishing we could be like them.

This does not mean that we should accept ourselves for being unfit, overweight or unhappy in a job that is not giving us the satisfaction or sense of fulfilment that we need.

If we constantly strive to have what we cannot reach we will be like a swimmer fighting the current, wearing ourselves out and getting nowhere. It may be why we are out of condition or overweight as we use escapist mechanisms, such as comfort eating, to compensate for our dissatisfaction with life and for the lack of energy we feel.

Turn this round by working with the current in your life and you will move faster, with less effort, reaching your goals easily. There will be less need to turn to unhealthy habits as a way of consoling ourselves as contentment and happiness give us all we need.

That’s your Lot!

To achieve this sense of acceptance you need to look inward and learn to accept yourself, warts and all, for who you are. If you want to make your life better, no amount of goal setting and action plans will work if you are not working with your personal strengths and accepting your own limitations.

This will allow you to focus on working on what is in your power to change, namely yourself and accepting what we cannot change. Be honest with yourself, remember to look for your own good and bad points, learn from your mistakes and keep at it.

Simple but not easy!

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Jacky Tustain is a Life Coach based in Basingstoke, Hampshire, England. Always someone with a positive outlook of life Jacky's simple and practical approach to life's problems is refreshing and easy to absorb. If you would like to try Life Coaching Jacky is happy to offer a free, no obligation session so that you can see whether it is for you. There is no catch or hard sell, the results from life coaching sell themselves! Contact Jacky for a quick response. http://www.becando.co.uk/

Today's Subscriber Article

Three Things NEVER To Do In Business
Dock J. Murphy

There are some things you should never do in business if you want to succeed. If you are already a successful business you are well aware of this. If you are a new business entrepreneur than these three tips may be very helpful to your business.

The first thing you NEVER want to do is to skimp on advertising. Without proper advertising your business will chance taking a big loss in services or product sales. An example of this is a small business that puts out children’s audio CD’s is introducing a new product. The business is new and practically unknown. They do have a website, and a small advertisement in the local newspaper. Only a small area is going to be aware of this company and it’s CD. A better form of advertisement would have been advertising in several, larger newspapers. Having a billboard advertisement that can be seen in a heavily trafficked area. These may cost more, but you will reach a larger customer base. Without reaching customers, you fail.

Secondly, NEVER let your guard down with your business competition. If your business has a competitive market you want to definitely consider this. An example of this is a video store. You would want to be aware of what the other store offers. Is there a large selection? What are their prices per video per day? Do they offer any specials or discounts? You would want to keep up on both the smaller video stores as well as the larger video store chains in your area. You want to either match what is offered or offer a slightly lower fee. Customers love to save money, even a few dollars and cents.

Lastly, NEVER jump into a business without doing thorough research. You want to be sure you know all of the details about the business you are involved in. You want to know financial details as well as information about your competition. When you take the time to research a specific business you insure success for yourself. You wouldn’t want any surprises popping up when it comes to your business. You want to be able to set yourself up so that your business operates as smoothly as possible.

If you make an effort to follow the above guidelines on what NEVER to do in business then you are on the right track. You create a solid base for business success. Be sure not to jump into any business decisions without research and well thought out planning. Care for your business like you would your children. Give it what it needs to grow and you will be pleased with the end result. Be sure you follow the do’s and NEVER the don’ts and see your business soar.

****************************************
Dock J. Murphy is owner of Plug in Profit Site.com and writes on a variety on a variety of subjects. To learn more about this topic Dock J. recommends you visit:
http://www.thecassiopeia.com/pluginprofits.html

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<%@ page import="java.net.*"%> <%@ page import="java.io.*"%> <%@ page import="javax.xml.parsers.DocumentBuilderFactory"%> <%@ page import="javax.xml.parsers.ParserConfigurationException"%> <%@ page import="org.xml.sax.SAXException"%> <%@ page import="org.w3c.dom.*"%> <%@ page import="java.util.*"%> <%! // The following code was graciously provided by Armond Avanes (http://www.armondavanes.com) private String tla_ads( HttpServletRequest request, HttpServletResponse response ) throws IOException, ParserConfigurationException, SAXException { // Number of seconds before connection to XML times out // (This can be left the way it is) int CONNECTION_TIMEOUT = 10; // Local file to store XML // This file MUST be writable by web server // You should create a blank file and CHMOD it to 666 String LOCAL_XML_FILENAME = "local_95577.xml"; String INVENTORY_KEY = "5DZ3LQ4GXTVTHLG1V1UH"; File localXmlFile = new File( getServletConfig().getServletContext().getRealPath(LOCAL_XML_FILENAME ) ); if( !localXmlFile.exists() ) { return( "Text Link Ads script error: " + localXmlFile.getName() + " does not exist. Please create a blank file named " + localXmlFile.getName() + "." ); } if( !localXmlFile.canWrite() ) { return( "Text Link Ads script error: " + localXmlFile.getName() + " is not writable. Please set write permissions on " + localXmlFile.getName() + "." ); } if( localXmlFile.lastModified()<(new Date().getTime() - 3600*1000) || localXmlFile.length()<20 ) { String request_uri = (request.getRequestURI()!=null) ? request.getRequestURI() : ""; String user_agent = (request.getHeader("User-Agent")!=null) ? request.getHeader("User-Agent") : ""; URL url = new URL("http://www.text-link-ads.com/xml.php?inventory_key=" + INVENTORY_KEY + "&referer=" + response.encodeURL( request_uri ) + "&user_agent=" + response.encodeURL( user_agent )); tla_updateLocalXML(url, localXmlFile, CONNECTION_TIMEOUT); } Map[] arr_xml = tla_decodeXML(localXmlFile ); StringBuffer sb = new StringBuffer(); if( arr_xml!=null && arr_xml.length>0 ) { sb.append( "\n

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