A Valuable Lesson

The way you view money will either free you or enslave you... in other words the way you think about money is an important factor of wealth.

The true value of a dollar coin is not its numerical value but how you use it. If you gave 30 people a $1.00 coin and gave each one 7 days to see what they can produce, do you think you would get different results?
Of course, so even though everyone received the same amount of money it had little bearing on how much they made.

So true wealth, comes from the six inches between your ears and, how well you use it. Wouldn't it be prudent to spend less time working for money and more time learning how to think about it's value and how to use it.

You see the secret is, not how hard you work, but how smart you think.

Grab a $1.00 coin, double it, what do you get $2.00, now double $2.00 you get $4.00 and so on. Now keep repeating this mathematical exercise. It's amazing that after doubling your $1.00 coin 21 times, you will actually end up with $1,000,000,000 dollars.

Now from that simple exercise might it be that wealth is the result of hard work, or hard saving over a period of time or is it simply $1.00 and you only need one good idea that you simply repeat 21 times?

To me the most logical answer is, what ever you did to turn $1.00 into $2.00 repeat that process another 21 times.

What are Stock Market Indexes - First Looks for Everyday Folk like You and Me

A stock market index is a method of measuring a section of the stock market. Many indices are compiled by news or financial services firms and are used to benchmark the performance of portfolios such as mutual funds.

Stock market indices may be classed in many ways. A broad-base index represents the performance of a whole stock market — and by proxy, reflects investor sentiment on the state of the economy. The most regularly quoted market indexes are broad-base indexes comprised of the stocks of large companies listed on a nation's largest stock exchanges such as the British FTSE 100, the French CAC 40, the German DAX, the Japanese Nikkei 225, the American Dow Jones Industrial Average and S&P 500 Index, the Indian Sensex, the Australian All Ordinaries and the Hong Kong Hang Seng Index.

A Stock Market - First Looks for Everyday Folk like You and Me

What is a Stock Market?


A stock market, or (equity market), is a private or public market for the trading of company stock and derivatives of company stock at an agreed price. These are securities listed on a stock exchange as well as those only traded privately.

Participants in the stock market range from small individual stock investors to large hedge fund traders, who can be based anywhere. Their orders usually end up with a professional at a stock exchange, who executes the order.



Some exchanges are physical locations where transactions are carried out on a trading floor, by a method known as open outcry. This type of auction is used in stock exchanges and commodity exchanges where traders may enter "verbal" bids and offers simultaneously. The other type of stock exchange is a virtual kind, composed of a network of computers where trades are made electronically via traders.

O My Word!

In the short-term, there are probably many of us who may not feel the immediate impact of the international financial downturn and the recent bailout, but in the long-term, we'll all feel it.

Whether it's when we try to buy a home, a car, renegotiate the terms of a loan or credit card, all those items have been affected. It's just a matter of when we'll feel it.

Some predicts that this financial crises may take at least 10years to repair itself before we see a marked improvement on a global level. Some say it may be longer.

If you have a job, chances are that you are heading for a bumpy road ahead. Maybe it's time you start to explore other avenues to cushion the blow of losing your job before it happens.

Global financial markets are experiencing some of the most challenging conditions ever witnessed. In recent days, as global financial conditions have deteriorated markedly, governments around the world have taken unprecedented steps to guarantee the liabilities of their financial systems.

The Australian financial system is demonstrating its resilience to the international financial market turbulence. Australia’s banking institutions remain sound, well-capitalised and profitable with high asset quality.

The Australian financial system is however being affected by global events. Recent developments in the international wholesale funding markets have created acute funding pressures that now pose potential risks to the total supply of finance to the Australian economy.

This has the potential to slow further domestic economic activity.

Quote:
"Prime Minister Kevin Rudd has warned that economic growth and job security could be in jeopardy as the global financial crisis entered a "new and dangerous" phase.
As he equated the current financial turmoil to a national security crisis, Mr Rudd today signalled the jobless rate for next year was likely to be higher than originally forecast in the May budget.
While Australia remained in better economic shape than many of its contemporaries, Mr Rudd said there would be challenges.
"Australia is better positioned than practically every other country in the world to see its way through this crisis," he told reporters.
"(But) this global financial crisis has entered a new and dangerous phase with real consequences for growth, for jobs and therefore for the future.
"We are in the economic equivalent of a rolling national security crisis.
"The challenges are great but the government has set a strong course of economic policy to see Australia through this economic storm."
In the budget, the government forecast a jobless rate of 4.75 per cent by June next year but that prediction was made prior to the global financial crisis.
"Given the developments in global financial markets and what has been a really turbulent couple of weeks, as night follows day there's a roll-on impact in terms of the real economy and jobs," Mr Rudd said.
"So, unemployment is likely to be higher. That's just levelling with people ... It's likely to be higher than has been projected. We don't have numbers on that."

I have an investment portfolio. Part of it is invested in the stock market. Obviously, I lost money, but I don't feel “awful” about it because these are paper losses. I won't need this money for at least a few more years and selling now for cash may be penny wise pound foolish, so short-term losses are meaningless. If you are young and have several years before you will actually need your super or investment money, you are correct in thinking that your retirement finances does not worry you.

If you're retired (or will be soon), chances are you're obsessed with exactly one thing, getting a predictable income stream that's as safe as possible while still delivering a decent return!

For people who are near retirement, this is scary, maybe they should change the way their asset are allocated, not sell, but take a closer look at it now. Regardless of what anyone says, no one over 50 should have more than 30% of their portfolio in the stock market.

Even if you haven't been affected, I'm very happy that you haven't, but it makes sense to prepare. If you have debt, take advantage of any low interest rates, the banks passes it on to you, to pay off as much of that debt as you can. Try to get used to living more simply and mind your money. If you have a good job, make sure you are perceived as valuable, so that you can escape possible future layoffs.

But I think what really scares most of us, is the possibility of the global economy sliding into depression. If that happens, it will affect each and every one of us. There are ways that you can avoid the pain when this happens. But you must be prepared to do so NOW. Educate yourself to see the signs and mind your money. Why not prepare your own rescue package now.

“Formal education will make you a living. Self-education will make you a fortune”

So How Many Times have YOU?

So how many times have you paid the price for not asking the correct questions or not knowing what to say?
I've heard many professionals say, "Ouch! that cost me! Wish I had a clearer idea when going into that situation."
Or maybe being a parent, the kids got the better of you, or you had no idea when they presented you with a situation of what to do.

Well, we all have our moments and wish that we were better equipped. If ever you found yourself in such a situation, maybe look a little closer at the product I use to help me. It may just save you a few costly moments.

So How Can I help?

"We attend school to learn to read, write and follow a set curriculum....but as adults we seek knowledge to learn from those with the necessary expertise, understanding, experience and solutions to everyday problems and issues"

The product I use and offer will teach you how to generate wealth, keep it and make it grow. It will motivate and inspire you to clearly see your true potential and provide a road map for achieving it to making your dreams come true.

By showing you the Wealth and Self product, my aim is to:

Take you on a journey of life choices that will, foster lifestyles of independence and dignity, introduce you to free enterprise, enhance personal harmony and financial security, encourage a spirit of community and a sense of purpose,

“It's not the size of the dog in the fight, it’s the size of the fight in the dog.”

The Wealth and Self Product is for those who would like to be financially literate and investment savvy.

“Formal education will make you a living; Self-education will make you a fortune”

Why I found the product so impressive!

The first line on the product’s web page states:

“Understanding how your money works and your mind works is the foundation to lasting success.”

For me this is a crucial sentence, because it tells me, that what I am about to learn with this Educational Platform, will help develop my financial aptitude as well as my mental attitude.

The Product’s Mission Statement is even more convincing.

“To give it’s users the knowledge and skills that will support them in achieving financial and personal independence.”

You get visual aids, illustrations and clear instructions of how to apply the facts in real life. Being a web based education product, I need to add that the 3 different formats (text, audio and video) used, offers an incredibly versatile educational format.

The topics are all easily digestible because they are of a reasonable length and they are stated and explained in such a way to have universal appeal, regardless of a person’s educational background.

How the product changed me:

I have found that this Educational Platform moved me from living an unexamined financial life to living an educated and examined financial life.

“The unexamined life is not worth living.”

I’d never want to go back to that former financial existence. Why? Because this new financial life I lead now energizes and enriches me.

What really triggers my enthusiasm to talk about the product:

The fact that I am in daily contact with people just like you who have similar needs and who are looking for solutions to their specific financial situations. I found that I am not the only one that had worries about my future. That’s why I am sharing my story with you to let you know that this product can benefit you in a big way as well.

Now as I look differently toward the future, because this product is giving me the knowledge and the skills that will assist me in achieving my financial and personal independence.

The Wealth and Self product’s format

The product addresses 2 key issues, Wealth improvement and Self-improvement.
Covering Wealth, there are 8 audio modules, 8 video modules and 9 text modules or parts. These 9 parts are further divided into numerous chapters, so that the 9 parts are actually made up of a total of 49 chapters that contain a wealth of education!
Covering Self-improvement there are 14 parts. This side of the product deals with topics such as leadership, attitudes, self-esteem, goals, time-management, communication and creative imagination.

What the product offers

Self-Help has never been easier. This course will open your creative mind and help you grab hold of the greatness that lies deep inside you. As a result, you will become infinitely more successful than you are today.
Tangible, quantifiable results will be produced in every aspect of your life: personal, business, spiritual, and material. You are a success in progress so allow this product to be your guide.
This product will equip you with knowledge and skills that will assist you achieve financial and personal independence. This Educational Product Series was established to provide quality modern education to men and women seeking a cutting edge advantage in today’s market.

The programs have been designed for individuals and families who possess the desire to expand their education for greater financial and personal success. Strategies once reserved for the ultra wealthy and well connected are now available to you. Cutting edge education is no longer an opportunity that is confined only to private schools, privileged educational institutions or special corporate environments.
You and your family can now indulge in the joy of modern learning and progress. This knowledge system is divided into, the foundation of our educational platform, a comprehensive guide to financial and personal prosperity as well as the opportunity to attend International Conferences.

"I have purchased and use the Wealth and Self product I briefly informed you about, myself. So not only do I distribute it but also gain the full benefit as a user of the Wealth and Self product as well. But I must stress, you are under NO OBLIGATION to take up my offer, or believe what I say. It's only your future and that of your families, that hangs in the balance. Can you afford the risk of not doing anything?"



Contact me on (02) 8005 7186 if you are in Australia or +61 2 8005 7186 if you are located outside of Australia. My office ours are Monday through Friday 10:30am to 4:30pm EST or visit my website to securely register you details and we will contact you instead.

These Are Times For Great Concern

With the market in a free-fall, take 8 minutes out of your day for a nice
chuckle…
How the Markets Really Works (from 2007) Humour




Can You Afford Not To Do Anything?

Will the current world financial crises, have an impact upon everyone?

You bet it will!

It's nice that Banks and mega-companies has rescue packages to bail them out! but what about the average family? Let's hope that the steps taken by governments will alleviate some of the inevitable hardship, job losses and financial stress that the economic recession will cause families. Here's hoping that it does, but in the meantime, belts will have to be tightened.



The situation will produce higher prices, a dramatic rise in unemployment and triple the worry and stress on parents who want the best for their families. Many people will be trying to figure out ways to keep the family home, feed the kids, keep the lifestyle they are used to and fill the car with petrol.

Trouble is, most families don't have the knowledge or some sort of a rescue package that they can rely on.

Being someone just like you, I am aware of the challenges you are faced with and I do have an option that I know will be of significant help to you. My wife and I started a home business which allows us to relax way more than most people out there at this crucial moment in time.



Why not have a look yourself at www.6fis.com



After that, if you have questions or are thinking this might just be the answer we've been praying for, feel free to give us a call and we can walk you through what we do, 2 or 3 hours a day.

Planning For Our Children's Future

How much can we invest in the future of our children?

I am of the opinion no amount of money in the world can substitute the education of a child.

As parents’ and our children’s custodians we must offer each child the opportunity of health, a decent education, and a future in the developing world.

Most families can only afford to send their children to the free primary schools, regardless, as they cannot afford the cost of upper education while other’s are doing it tough trying to afford the latter.

While we realize that if children are educated sufficiently and enjoy good health, as they mature, they are able to get better jobs, and, thus provide for their families in turn. This causes the community to prosper and hopefully will spread throughout the region and country.

But, is it as simple and does this really occur in the real world? With all the everyday hardships parents endure, to care for their families, and the peer pressure placed on the shoulders of each growing child, do we know the real cost to society? Where do we start to look at addressing this and is it a fundamental issue?

I suppose there is no real quick fix or yes answer. I believe the answer is that we need to find the solution in the most obvious place, with us as custodians and parents.

Do we have the necessary training and the edge to combat the issue at hand?

Well, we all want our kids to be successful. We want our kids to achieve their maximum potential—in terms of their careers, their earning potential and their personal lives. All we need is an exclusive, “state of the art”, personal development program for children. It needs to be a complete “hands on” learning guide to help us lead our children to the kind of success we’ve always dreamt for them.

So, all we need to do now is find that “state of the art” program. Well, what if I say that I’ve found one. I use it and it’s fantastic. To find out more

So You Want To Be Your Own Boss?

Are you ready to venture into business?

Operating a small business is not just about working for yourself, it's also about having the necessary management skills, expertise, technical skills, finance and of course a long-term vision to grow and succeed.

At the outset it’s important to consider whether you really understand what's involved and whether you're suited to business and self-employment. You have to do your research and ask yourself all the questions you must ask, look at the issues and be true to yourself when you answer these questions.

• So what is your reasons for getting into business?
• What are your goals and skills?
• What income do you expect your business to generate?
• Are you aware of the advantages and disadvantages of establishing your own business.

What about an "Online Business"?




So you have heard of running or starting an online business, lets look a little closer?

Advantages:
By trading online you can save time and money, reduce your overheads and reach a much wider market. And you make it easier for your customers to do business with you.

Challenges:
If you plan to trade over the Internet, you may need to register your business name in the state or territory you intend to operate. You may also need find out what registration and licences apply to your business.

Tools or Requirements:
To get started in your online business you will need:
A computer and Software that enables you to send emails, browse the web and protect your computer’s safety. An email and website account set up and in some cases Training in using your new computer and software.

You may also wish to purchase a domain name, which gives your online business a unique electronic address.

Now, Do a mini SWOT analysis?

S – Strenght, W – Weaknesses, O – Opportunities and T – Threats

Start by finding out if people will be interested in buying your products or services. Find out who your competitors are and whether the business is sustainable in the market. Conduct some research to see whether the idea is really feasible. This will involve gathering, analysing and evaluating information to help you formulate your business goals.

Questions to consider:

What product/service will you provide?
Is there a market for your product/service?
What skills do you need?
Who are your competitors?
What difference will you bring to the market?
Do you have the financial capacity?

What is Market Research?

Market research is a most valuable tool for all businesses. It’s the process of gathering information to help you make informed decisions about your business. Market research will help you understand your potential customers and their needs, as well as what your competitors are doing. Getting a good understanding of market trends is essential for you to make the most of your business opportunities.

There are two types of market research:




Primary research - Information collected for you like testimonials and talking to people.
Secondary research - Information gathered for other purposes, publications on the Internet.

Planning your Business by means of a Business Plan

To run a successful home business you need to be able to handle a wide variety of issues. Think through the requirements of your business carefully, taking the time to research and plan your operations.

To develop your business plan, you need to consider these points about operating from home:

Is your home the best location for your business?
Can you conduct the type of business you want under local council regulations?
What are your legal obligations?
Will your home-based business allow you to balance your work and family life?
What are the town planning requirements of your local government authority?

Constructing a Business Plan

Your business plan is essential for your business this is your blueprint for it’s future. A business plan sets the direction for your business and keeps you on track once you're up and running. Your business plan could include these elements:

• An executive summary which is a one-page overview written after your business plan is finalised
• An introduction which explains the purpose and objectives of you going into business
• The marketing analysis that looks at the industry you are entering and how you fit in
• A marketing plan of how you intend to advertise your business
• What your operations plan is of how you'll set up the business, i.e. structure, location, regulations
• What is you management plan of how you'll manage your business
• Most importantly your financial plan of how you'll finance your business, it’s costing and projections.

This is an ongoing business activity - you should regularly review and revise your business plan.

Take the process one step at a time and TAKE YOUR TIME, you would be better off not rushing into or making a bad business decision. Remember, starting a Business is like starting a relationship, choose wisely and be honest about wanting to start this type of relationship.

For some of us being single is far better than having added responsibilities. But if you choose wisely the rewards far outweighs the effort. So if you up to a worthwhile challenge, take the plunge and reap the benefits and rewards you deserve. Have a blast... why not have a look at the guide I used to setup my business, it was fun, I understood what to do by following the process it suggested and the knowledge I gained from it is priceless. Have a look for yourself....

Here's to your success!

Are You Ready for This?

Is working from home earning a Six figure income what you want?
Are you ready for this?
Are you serious about this?

If your answer is yes to the above, I have a crucial question to ask you.

What price are you prepared to pay for this?

Not every business is for everyone. You have to be honest with yourself and if you make the commitment you must remember a few things:

You must finish what you start, that you and you alone are responsible for your own success. There are no free lunches, only free opportunities for you to explore.

You must be willing to change yourself first and then only can you start influencing those around you.

You cannot give in to failure because it’s not an option. Yes, you will have difficulties and obstacles to deal with. But again I ask you the serious question, what price are you willing to pay for what you want?

However you can only succeed if you make a commitment to yourself with affirmation. If you do not, you will fail. That is the reality of success.

So, are you ready?

A Gift for You

HAVE FAITH AND BELIEVE.

Say “Let it be” with affirmation and you shall be blessed.

The problem with many of us is that we don't believe that THE ALMIGHTY will open a window and pour out so much of His blessings that we won't have room enough to receive them. I dare anyone to try Him. He is true to His word. He cannot lie and His promises are sure.

HAVE FAITH AND BELIEVE and …..

You will find favour with someone you don't expect;
You will be too relevant to be ignored;
You will encounter the ultimate power of faith and you will never remain the same again.

My prayer for you today

The eyes beholding this message shall not behold evil,

The hands of the one that reads this prayer and share it with others shall not labor in vain,

The mouth saying “Truly” with affirmation to this prayer shall laugh forever.

Remain in His love as you read this prayer to yourself and everybody around you.

Trust in Your Maker with all your heart and He will never fail you because He is AWESOME!

Because you are unique

and your Creator's masterpiece designed for greatness.

Have a lovely journey of life!

What if?

What if you received information regarding an opportunity, that would not only allow you to expand your knowledge, but also allow you to generate an income? All from the comfort of you own home?

I know what I would say. So what's the catch and how much is this going to cost? Is this a get rich quick, I wanna rip you off scam? Will I have to sell lotions, potions or pills? Is this a Pyramid scheme designed to make someone else wealthy off my hard work? Will I have to hassle my family and friends and everyone else I can think of to make money? Is it MLM?

What if it's true, that there is an opportunity, that does not require you to do any of the above? What if there is an opportunity that allows you to work from home, in a relaxed atmosphere, at a pace that suites you?

So what if I told you that there is fair dinkum, easy as opportunity, that I will show you for FREE?




OK sounds like something right out of Movie, or just plain nuts ("tell him his dreaming" I hear you say).....right?

Well folks,

NOTHING WILL CHANGE UNLESS YOU CHANGE IT!

Take 5 minutes out of your time spent on your computer surfing the web. Just web-surfing will not pay you a cent but this opportunity may just surprise you ! Have a gander at one of my company's websites www.WealthyPieceOfMind.com then decide. There is no obligation and you have nothing to lose. Let me show you how you can achieve this in 3 easy steps! or call us at (02) 8005 7186. Our office hours are 10:00am - 4:30pm (Eastern Standard Time) Monday through Friday.

Living and The Meaning of Life..

Why are we here? What is the nature of reality? What is the value of life? The meaning of life is a philosophical concept about the purpose and significance of human existence.

Life's progression from birth to death is not a mere succession of moments. Real life refers to life in the real world. "Real life" can be a controversial term, as it can serve as value judgement to describe "productive" activities, like work and the support of one's family, in contrast to "unproductive" leisure activities.

Personal life (or everyday life or human existence) is the course of an individuals life. Personal values evolve from circumstances that can change over time and are implicitly related to choice. Today, many people have come to think of their personal lives as separate from their work. Work and recreation are distinct. One is either at work working or not, and the transition is abrupt. Employees have certain hours they are bound to work, and work during recreational time is rare. This may be related to work choices, regulations and the demand for increased efficiency, both at work and at home. The common phrase "Work hard, play hard" illustrates this mindset. There is a growing trend, however, toward living more holistically and minimizing such rigid distinctions between work and play. The accumulation of knowledge and "Webucation" lends itself to this growing trend and need for change.




A person with experience in "real life" or "the real world" has experience and an identifiable purpose. Purpose is the cognitive awareness in cause and effect linking for achieving a goal in a given system. Purpose is central to a good human life. Pursuing a career, raising a family, creative vocation and seeking financial stability to have a soft place to fall during tough and trying times. These are all long terms of purpose for some and just dealing with everyday living for others.

5 Steps to a Wealthy Piece of Mind

Your Passport to Prosperity a key component of personal finance is financial planning, a dynamic process that requires regular monitoring and re-evaluation.

In order to achieve ones financial goal of secure sustainable wealth, think about doing the following:

1. Review and assess your financial standing by compiling a list of personal assets, income and expenses.
2. Have a written plan mapping out one or more of your long and short term financial goals.
3. Next you have to create a plan that details how to accomplish your financial goals.
4. Then you have to create a convergence of all this information and execute your plan.
5. Finally as time passes your financial plan must be monitored for possible adjustments or reassessments

WEALTH

“So what is Wealth really”?

"Wealth”, simply put, is that which satisfies our needs and wants of utility as human beings. "Wealth" can also be described as an abundance of items of economic value, usually in the form of money, real estate and personal property.
An individual who is considered wealthy, affluent, or rich is someone who has accumulated substantial wealth relative to others in their society.

Wealth can be categorized into three principal categories personal property, or monetary savings, and the capital wealth of income producing assets.

Wealth provides a type of safety net of protection against an unforeseen decline in one’s living standard in the event of job loss.
The opposite of wealth is destitution. The opposite of richness is poverty.

A personal net worth of AU$10,000 in most parts of the Australia would certainly not place a person among the wealthiest citizens of that locale. However, such an amount would constitute an extraordinary amount of wealth in impoverished developing countries.

Those with wealth are trained and conditioned, technically and philosophically, to handle the wealth that they will control and how to earn more. Wealth and being a member of the upper class requires significant prior preparation and familiarisation. They use the power and freedom that comes with wealth to leverage opportunities.

Would it then be prudent to conclude, this allows them more flexibility in their lives and as a result they have fewer worries?

The accumulation of wealth fosters a growth of power, which in turn creates privileges conducive to more wealth.
There is a distinct difference in views about wealth among the classes. Where the upper class beliefs focus on wealth, the middle class places a greater emphasis on income. Typically the middle class consists of individuals that were raised with families that typically owned their own home, planned ahead and stressed the importance of education and achievement. They earn a significant amount of income and also have significant amounts of consumption.

However there is very limited savings or investments, besides retirement pensions and homeownership. This form of structured wealth accumulation is necessary. Without this structure, accumulation would likely not occur in ordinary circumstances.

The working class has fewer options for advancement and wealth accumulation than the upper and middle classes due to limited income, unstable employment and an insignificant retirement funds. Consequently, there is a limited financial cushion available in times of hardship.

The middle class views wealth as something for tougher times ahead and more of a cushion against such unforseen circumstances arising.

However would sustainable wealth be a measure for a Wealthy Piece of Mind? Could this type of wealth be what sustains you when you are not working or is your net worth, not income, important when you retire or are unable to work.

The key question is how long would a certain wealth last?

So What is this "Webucation" all about?

The method of delivering education strategies via streaming audio and video over the Internet. Online Education, or “Webucation”, allows you to earn money while you learn, through business systems or referral programs.

You learn about personal development education, as well as the tools, strategies and plans for effective business building. This method also exposes the latest trends, news and plans to focus on Internet Marketing techniques for building your business.

Webucation provides an opportunity for people interested in operating their own business to learn more about the home business opportunity offered by a distribution company, and to find out what real people are actually saying about the program.

By simply sharing this technology of the Learn & Earn Referral Program with others, you have the ability to earn large up-front weekly income, as well as possible long-term residual income that can pay you month after month, year after year.

Traditional education, by itself, is inadequate to make people successful and competitive in the 21st century.

Ordinary people, from Graduates to single moms, earn extraordinary incomes, some on a pace to earn in excess of $100,000 in just 12 months!

By delivering cutting edge educational products via the Internet, my business creates a convergence of two very powerful industries. The Internet and Education (Webucation).