3 Important Tips for First Time Home Buyers

loans1When looking at tips for first time home buyers, you’ve come to the right place.
Many people are looking all over the Internet for reliable information. There’s over 761,940 websites (as of March 05) with information or online forms urging you to fill them out for more details.
While I certainly agree the Internet is a great place for obtaining tips for first time home buyers, it can also become a real information overload as well. So I want to give you some tips that can help in your search.
Tips for First Time Home Buyers #1 Continue reading

The Role of Central Banks in Banking Crises

financial news2Central banks are relatively new inventions. An American President (Andrew Jackson) even cancelled its country’s central bank in the nineteenth century because he did not think that it was very important. But things have changed since. Central banks today are the most important feature of the financial systems of most countries of the world.
Central banks are a bizarre hybrids. Some of their functions are identical to the functions of regular, commercial banks. Other functions are unique to the central bank. On certain functions it has an absolute legal monopoly.
Central banks take deposits from other banks and, in certain cases, from foreign governments which deposit their foreign exchange and gold reserves for safekeeping (for instance, with the Federal Reserve Bank of the USA). The Central Bank invests the foreign exchange reserves of the country while trying to maintain an investment portfolio similar to the trade composition of its client – the state. The Central bank also holds onto the gold reserves of the country. Most central banks have lately tried to get rid of their gold, due to its ever declining prices. Since the gold is registered in their books in historical values, central banks are showing a handsome Continue reading

The Cons of a 50/50 Equity Business Partnership

financial news4This article could have been titled “The Pros and Cons of a 50/50 Equity Partnership”, but the cons far outweigh the pros.  When partnerships are formed, the obvious concerns are addressed.  How do each partner’s skills-set and experience complement each other?  How much will each partner contribute to get the business going?  How long will they grow the business until they entertain selling it?  Is that it? … hardly.

Once the business gets going no doubt economic and industry variables change which affect the business.  Each partner’s perception of the direction the business should go changes as well.  There are constant decisions with regards to the mixture of product and service offerings … the decision to get into another line of business or get out of one.  Should the focus be on a higher volume, lower profit margin business model or vice versa?  What about a shift to a more capital intensive model.  If the business becomes a success, many times potential investors creep in, whether an angel investor or venture capitalist.  Both partners need to agree on the investment proposal.   Continue reading

The Impact of Lacking Self-Esteem on Business Professionals

loans2Studies show that at least 85% or more of the world’s people suffer from some degree of lacking self-esteem. Although one might think that such challenges are only characteristic of the poor, uneducated, or lower socio-economic members of society, people from all walks of life can suffer situational or more widespread challenges with their levels of self-esteem.

Many very successful business people lack self-esteem in some areas of their lives. Perhaps they feel socially challenged or they have difficulty establishing close or intimate relationships. Perhaps they experience low self-esteem with regard to their physical appearance or their health. Perhaps they are not having any fun in their lives, maybe devoting too much attention to their work. Many “successful” people are driven to succeed. They compensate for feeling deficient in other areas of their lives by working harder and finding a place they can excel through their work. This provides them with a new focus where they can win but it doesn’t fulfill their neglected needs in other areas like relationships, recreation, personal and spiritual development, health and appearance and their ability to lead balanced, fun, and fulfilling lives.

It’s not that there is something wrong with finding an occupational niche where one can be successful and feel good about oneself. However, many of those lacking self-esteem in other areas find themselves driven to accomplish, driven to prove their worth. Since business is an area where they can shine, they neglect other areas to focus excessively on business.

However, since their actions are built upon the erroneous belief that they are somehow not good enough, somehow defective or unworthy of being fully loved and accepted, there is little lasting satisfaction even in the arenas where they can excel. It’s as though they are climbing a ladder with the top of the ladder in the clouds. They think that if they can just climb high enough, they will be successful. They will have proven their worth. They will find satisfaction, happiness, and fulfillment. However, as they climb higher and higher, they never seem to arrive. There are always new goals and objectives challenging them to prove their worth. The more they achieve, the more they have yet to go. Try as they will, they never seem to fully measure up. Or, if they do, it is short-lived and fleeting at best. There is no arriving to the point where they find what they long for so badly — the peace of mind that comes from self-love and self-acceptance.

Because the foundation of their ladder is grounded on quicksand, they often find themselves sinking as rapidly as they climb. In fact, from their perspective, they will never reach the perfection they seek so badly. They will always find evidence to highlight their flaws and reinforce their fears of being unworthy, unlovable, defective in some way.

The message of The Self-Esteem Book is simple. No one needs to settle for a dimmed existence due to a lacking sense of self-worth.  Most people either make up or buy into thoughts that there is something wrong with them, that they are somehow inadequate, not good enough and not worthy of being loved and accessing all the good things that life has to offer. If they are willing to examine their past to get to the source of their resignation and diminished self-esteem, they can reinterpret what happened to them in such a way that they can heal and complete the past and eliminate negative self-talk while making a conscious decision to live their lives from a decision to strive for excellence and contribute to others. By developing a firm belief that they can impact people and the world around them and that they are, in fact, very worthy of receiving life’s blessings, they will manifest happiness and fulfillment.

In addition to the cost of never finding true happiness, long-term fulfillment, or peace, lacking self-esteem impacts business people in many other ways. For example, by not getting to the source of their self-esteem issues, they sacrifice their personal power, their ability to best pursue their life purpose and fully manifest their gifts in the world. If our energy is spent by being preoccupied with our weaknesses or being incomplete with our past, we can never be fully present to today and so we sacrifice our true potential to bring about a result.

Our relationships suffer as we will misinterpret the words and actions of others in a way that invalidates us and has us feel badly about who we are. We may be so driven to prove we are good enough that we sacrifice our personal effectiveness and charisma by focusing on ourselves and our deficiencies rather than on the wants and needs of others. We may play small and hide out in social situations or whenever the possibility of looking bad or “being found out” comes up for us. Or, we may overcompensate and turn to workaholic tendencies out of a desire to prove our worth to others or to ourselves. Because of this misdirected focus, we trade our ability to impact others maximally and to best contribute our gifts to the world.

The answer to escaping the vicious cycle of lacking self-esteem, diminished confidence, and the never-ending, frustrating quest for fulfillment lies in the 3 step process as laid out in detail in The Self-Esteem Book. The process starts with healing one’s past so that it no longer robs us of energy and consumes our attention. Once the pull of past ghosts is complete, we can then turn our attention to properly analyzing our present state of affairs. We can identify what’s working in our lives and what’s missing to support living an upset-free life in choice, a life that honors our most important values and inspires us to live passionately.

And finally, we can take that magic wand that is our birth-right, wave it over our lives and design our future deliberately. We can choose to do so in a way that excites us, as we cast off that gloomy state of low self-esteem, unhealthy resignation and self-pity that no longer supports us. We can live with the intention to honor our God-given magnificence and lead happy, fulfilled lives that fully contribute to others as we share our gifts with the world.

Formulating Legitimate Internet Business Enterprises

info tech3The Web is rife with on the internet business opportunities.  In most cases, the hard one is trying to separate the real web based business jobs from those that are scams.  How can one go about finding an to the internet small  business enterprise that actually works? In most cases, the old adage still rings true: If it sounds too good to be real, well then, it it most likely is.

Where the only online work at home business opportunities can be found

No, it is not a special world wide web site fool of the only web based work at home business jobs.  In fact, the only place to locate web based work at home business enterprises is your own brain.  As crazy as it may sound, you hold the key to the only on-line new  enterprise projects.  The only on-line work at home business jobs are those that have not yet been created.  Every Web site success began as a small kernel of an idea inside the mind of its creator. Profitable social networking websites, and gaming websites, video upload websites and the like, Continue reading

Trading Guru Reveals Personal Money Management Secrets – Hidden Tactics That Ensure Trading Profits

financial news5How personal money management works: In the markets it`s possible to be right, and to still lose money. In fact, it`s pretty common. Traders who win on a high percentage of their trades often end up with their capital eaten away, and nothing to show for their work. They lose their gains because they don`t know how to manage their money.
Being a good manager of your own money is one of the most difficult trading skills to learn. But if you don`t use good personal money management to lock in profits, take small losses on the picks you`re wrong about, and control your use of margin, eventually you`ll lose everything, no matter how good of a trader you are. You need to make protecting your capital your first priority if you want to be successful. Continue reading

Steps for Increasing Company Profits or Performing Business Turn arounds

financial news41.    Eliminate waste
Eliminate reports, habits, products, duplicate input, and processes that waste time and money. These drain labor, money and energy from the business.
Two-thirds of products or services sold incur more costs to produce than they are sold for. These are a drain on profits. These losers can be reduced by either increasing prices, reducing direct costs incurred in producing the product or service, reducing overhead costs allocated to the products or services, or discontinuance of selling of the product or service.
Some of these profit robbing costs may be found through asking employees for feedback on duplication of efforts, unused reports, and other wastes of time or money, or through cost accounting or other analysis systems.
Eliminating waste increases the amount of space, labour, time, energy and money available for other profit-making activities.
2.    Reinvest a portion of the savings in profit-generating activities.
Once the waste reduction frees up money, time, labour, space and energy, invest part of the savings in continuous improvement.
Some of these continuous improvements are already in most company’s budgets. Equipment replacement (depreciation), marketing, training and research and development are all current cost or expenditures to generate future profits.
An analysis of return on investment of discretionary expenditures should find further areas where the investment will yield results. Investment should be made in a combination of projects with short payback periods and those with high rates of return.

Essential Elements of Operating a Successful Busines

financial news5Have you ever imagined what it would be like to live your dream? A good place to start would be to recognize that there are three elements, and only three elements, that separate success from failure. If you exercise one of the elements, you might just be successful. Two and you will probably succeed. Three, and you can practically guarantee your success.
What are they? They are deceptively simple, and deep down inside you know what they are. But to purposefully write them down and use them as guides in selecting your dream business will make all the difference in the world. As you go through this exercise, you will dramatically build on your chances of success. Nowhere will it count more than right here, deciding how many of the three essential elements will qualify you to realize your dream.
1. Find a need!
Is there a market niche for your particular product or service? Does the world, or even your community, need what you have to offer? Only by sampling and testing will you be able to determine this with any degree of certainty, but we will be covering this as we go along in greater detail. The most important aspect would be to determine a Unique Selling Proposition for your product or service. Too many business owners are just trying to be me-too companies. You cannot be just like the next guy and expect to prosper in this volatile economy.
One of the most important things I learned from my Dad was, there are really only two things to consider, and next to them everything else is minor. Those two things are: (1) What do you really want? And just as, and perhaps even more important, (2) Are you willing to do whatever it takes to achieve it?
What do you really, really want from this endeavor? What is your ultimate goal? Are you willing to do whatever it takes to achieve this goal? Instead of looking for a business based on how much money you can earn up-front, select a business based on your love for that endeavor. The most successful and fulfilled people are individuals who are following a dream or vision of their own. They are not just out trying to make a buck.
What opportunities can you act upon? Woolworth saw a need for small inexpensive items and opened the chain of stores that grossed billions. Wrigley started giving gum away as a bonus, and seized the chance to expand worldwide. Continue reading

3 Proven Secrets That Will Absolutely Explode ANYONE’S Income… Guaranteed

financial news5I’m going to absolutely show you a simple but powerful way to move from where you are now, into a much higher level of success than you’ve ever dreamed possible.
My name is Grey McKenzie and I’ve been successful in everything I put my hand to once I learned to apply these simple principles and techniques I’m about to share with you.
I absolutely guarantee, if you apply what I show you here, you will have more success than you ever dreamed possible.
Whether you’re a seasoned business veteran, or just starting out in the world, there are proven ways to fast track whatever goals you have. There are certain underlying principles that will absolutely improve your chances of success.
So lets get to it.
I can tell you in 5 minutes of being around you if you have what it takes to be a success… I’m not bragging, I’ll even show you right now how you can tell yourself if you or someone you know has the potential to be successful.
Below, in my opinion, are the two predominate personalities on the earth today…
Which one are you?.
The Lion Personality… Continue reading

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