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Leads Per Day. Earnings Per Day. Earnings Per Month
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Bello Jeremiah,
C.E.O Xcel Inn Inc.,
mailto: info@xcelinn.com
web: www.xcelinn.com
January 14, 2009
July 25, 2008
MONEY SKILLS: The 10 – Minute Millionaire.
Prosperous people practice seven financial secrets. I call them secrets not because very few of us are aware of them, but because very few of us use them. The secrets are, in reality, skill-essential money skills that all wealthy people practice. I believe that if you learn these skills, wealth can flow into your life – multiple streams of increasing prosperity.
The first three money skills form the foundation of all financial success. Without them, none of the other skills have power. If you don’t value money, you won’t make effort to control it. If you can’t control it, you won’t be able to save it.
Money Skill 1: Value It
The following quote explains how billionaire John D. Rockefeller taught his children to value money:
“ John D. Rockefellers, Jr., was certainly not trying to save money when he decide to pay an allowance to his five sons. According to son Nelson, “We got 25 cent a week, and had to earn the rest of the money we got.” To earn part of that extra money he raised vegetables and rabbits… “We always worked” according to Nelson. All the boys where required to keep personal daily account books. They where required to give 10 percent of their income to charity, to save 10 percent and to account for the rest. They had to balance their account books every month and to be able to tell what happened to every penny they earned. Nelson when on to serve as the Governor of the state of New York for many years, and ultimately become Vice President of the United States. One of his brothers, David Rockefeller, chairman of Chase Manhattan Bank, says, “We all profited by the experience – especially when it came to understanding the value of money.”
Interesting. You’d expect that these kids, raised in the lap of luxury, wouldn’t need to learn these things. Yet Rockefeller wanted his kids to understand money. He taught them a specific pattern for dealing with money. There is a lot of wisdom in what he did:
The necessity for work: When you earn it, you value it.
The importance of charity: Give away the first 10 percent.
The need of saving: Pay yourself the next 10 percent
The power of accountability: Account for every penny.
In addition to valuing money, Rockefeller was teaching his kids how to control their money. And that’s the second of he seven skills.
Money Skill 2: Control It.
The first step in gaining control your finances is to set up a simple system for organizing your finances. Maybe you see one of the popular computer programs such as Quicken of Microsoft Money. Even so, I think you could learn a lot from a simple system I call streams and leaks.
Most people have one simple stream (or main source) of income: their job. This income flows into their reservoir of their life, but the reservoir has leaks and the money flows out through them. Obviously, the only way to have overflowing prosperity in your life is to plug up those leaks and to add more streams – to have multiple streams of income. How many financial streams do you have flowing into your life? How many leaks are there in your reservoir?
Let’s look at plugging up the leaks first. Then we’ll focus our attention on how to keep the streams flowing. I have condensed the many ways you can spend money into 10 categories or leaks. I’ve kept the categories simple and broad; if they get too complicated, you’ll ignore them. It’s easy to remember the categories. They are listed in order of priority.
The first leak, or category (using the Rockefeller model), is called giving. This represents your contributions to church, charity and others. This category is number 1. I find it interesting that Rockefeller taught his kids to give the first 10 percent of their earnings to others (God and Money).
After you pay the first 10 percent to your “silent partner,” you pay yourself. The next 10 percent of your money belongs in category 2: Self. In the classic, The Richest Man in Babylon, George S. Clayson tells the story of the wise investor whose primary rule was, “A part of all you earn is yours to keep.” How true. Most of us save out what’s “left over.” Prosperous people save first and then live on what’s left over. This makes a huge difference.
After you pay the 10 percent to others and 10 percent to yourself, the third category, number 3, is taxes.
After the first three categories, what is the next most important expense of your life? Category 4 is your shelter – in form of house payments or rent.
The fifth category is household expenses such as food, clothing, television, and the normal expenses of living in your residence. This will amount to your largest category.
Then comes category 6: auto. You need transportation. Every time you pay for gas, transportation and repairs to your vehicles or make ca payments, you should organize this expenditures in category 6.
Next is category 7: fun and entertainment. Whenever you spend money away from home on movies, fast food, travel, or toys, you should think of these expenditures as part of category 7, the number for fun.
Then comes category 8, all forms of insurance: health, life, disability, liability, personal possessions, homeowners and so forth.
Miscellaneous expenditures (including payments towards debt) comes under category 9, debt/miscellaneous.
And finally, there is category 10: business expenditures.
As you can see, all of your expenditures can be summarized into just 10 broad categories. You spend money only a few times a day. And yet those few decisions can make all the differences between poverty and wealth. Let’s examine the actual act of spending. Let’s dissect a typical money transaction, or money event.
Prosperous people have a unique attitude towards each money event. During a typical transaction, they complete a few extra key activities. In doing so, they spend a few extra minutes event that makes all the difference. That’s why I call this the millionaire minute.
Would you invest a few extra minutes per money event if you know it would eventually help you become financially free? Here is how people who are good with money approach a money event:
1. They plan the purchase. As with airline tickets, the longer the planning horizon, the cheaper the purchase.
2. They expect, ask for, and often get a discount.
3. They expect, ask for, and always get a receipt.
4. They always examine the receipt for errors.
5. They immediately write on their receipt a category number.
6. They balance their accounts to the penny.
7. They file the receipt as soon as they get home.
From now on, every time you spend money, take a few extra minute during that money event to practice the millionaire minute.
-Plan your purchase.
-Get a discount.
-Get a receipt.
-Examine your receipt.
-Categorize your receipt.
-Balance your account.
-File your receipt.
Money Skill 3: Save It.
The key to financial planning is cash-flow management. You’ve not only got to get the cash to flow into your reservoir, but you also have to manage the leaks so that there is money left over at the end of the month. This monthly surplus is the secret to financial growth. The surplus can be invested. The object of the money game is to accumulate enough investments so that the income from these investments will eventually support you. The third money skill is to save your surplus.
There are two meaning for the word save: (1) to pay less for your purchases, as in “Safeway saves you more!”, (2) to create a surplus, as in “I need to save some money for retirement.” Some people are good at the first save1. They like to shop for bargains. But they are terrible at the second save2. Wealthy people are great at both. They love to save1 money – to buy things wholesale, to get a good deal, to get a bargain. They hate to pay retail for anything. And now you know why. Each wasted dollar destroys a forest of future money trees.
But they don’t stop there. You see, anyone can save money by buying at a discount, but do they save2 the money that they save1? That’s the hard part. When you save2 money by changing your buying habits, take that money out of your wallet or purse to get it out of your spending grasp. You won’t even miss it. Put it into a saving2 jar, and frequently deposit it this money into your savings2 account. That’s when you’ve truly saved1/saved2 it.
When the saved1 money has accumulated until you have $25 to $50. Don’t be tempted to spend it. You need to transfer those savings into your long-term savings1 account…. And from there into your investment account…. And from there into your various investments (mutual funds, stocks, bonds, real estate, etc.)
You can literally become a millionaire on the money you’re wasting.
The rest of the money skills are:
Money Skill 4: Invest It.
Money Skill 5: Make It.
Money Skill 6: Shield It.
Money Skill 7: Share It.
Note: That all this cannot be accomplished if you do not have the will power plus a burning desire to succeed.
I challenge you to do what all great philanthropists have done: to be such a powerful steward over your forest of money trees that they can produce fruits to feed generations of people long after you have gone.
To this end, I wish you good luck and Godspeed.
The first three money skills form the foundation of all financial success. Without them, none of the other skills have power. If you don’t value money, you won’t make effort to control it. If you can’t control it, you won’t be able to save it.
Money Skill 1: Value It
The following quote explains how billionaire John D. Rockefeller taught his children to value money:
“ John D. Rockefellers, Jr., was certainly not trying to save money when he decide to pay an allowance to his five sons. According to son Nelson, “We got 25 cent a week, and had to earn the rest of the money we got.” To earn part of that extra money he raised vegetables and rabbits… “We always worked” according to Nelson. All the boys where required to keep personal daily account books. They where required to give 10 percent of their income to charity, to save 10 percent and to account for the rest. They had to balance their account books every month and to be able to tell what happened to every penny they earned. Nelson when on to serve as the Governor of the state of New York for many years, and ultimately become Vice President of the United States. One of his brothers, David Rockefeller, chairman of Chase Manhattan Bank, says, “We all profited by the experience – especially when it came to understanding the value of money.”
Interesting. You’d expect that these kids, raised in the lap of luxury, wouldn’t need to learn these things. Yet Rockefeller wanted his kids to understand money. He taught them a specific pattern for dealing with money. There is a lot of wisdom in what he did:
The necessity for work: When you earn it, you value it.
The importance of charity: Give away the first 10 percent.
The need of saving: Pay yourself the next 10 percent
The power of accountability: Account for every penny.
In addition to valuing money, Rockefeller was teaching his kids how to control their money. And that’s the second of he seven skills.
Money Skill 2: Control It.
The first step in gaining control your finances is to set up a simple system for organizing your finances. Maybe you see one of the popular computer programs such as Quicken of Microsoft Money. Even so, I think you could learn a lot from a simple system I call streams and leaks.
Most people have one simple stream (or main source) of income: their job. This income flows into their reservoir of their life, but the reservoir has leaks and the money flows out through them. Obviously, the only way to have overflowing prosperity in your life is to plug up those leaks and to add more streams – to have multiple streams of income. How many financial streams do you have flowing into your life? How many leaks are there in your reservoir?
Let’s look at plugging up the leaks first. Then we’ll focus our attention on how to keep the streams flowing. I have condensed the many ways you can spend money into 10 categories or leaks. I’ve kept the categories simple and broad; if they get too complicated, you’ll ignore them. It’s easy to remember the categories. They are listed in order of priority.
The first leak, or category (using the Rockefeller model), is called giving. This represents your contributions to church, charity and others. This category is number 1. I find it interesting that Rockefeller taught his kids to give the first 10 percent of their earnings to others (God and Money).
After you pay the first 10 percent to your “silent partner,” you pay yourself. The next 10 percent of your money belongs in category 2: Self. In the classic, The Richest Man in Babylon, George S. Clayson tells the story of the wise investor whose primary rule was, “A part of all you earn is yours to keep.” How true. Most of us save out what’s “left over.” Prosperous people save first and then live on what’s left over. This makes a huge difference.
After you pay the 10 percent to others and 10 percent to yourself, the third category, number 3, is taxes.
After the first three categories, what is the next most important expense of your life? Category 4 is your shelter – in form of house payments or rent.
The fifth category is household expenses such as food, clothing, television, and the normal expenses of living in your residence. This will amount to your largest category.
Then comes category 6: auto. You need transportation. Every time you pay for gas, transportation and repairs to your vehicles or make ca payments, you should organize this expenditures in category 6.
Next is category 7: fun and entertainment. Whenever you spend money away from home on movies, fast food, travel, or toys, you should think of these expenditures as part of category 7, the number for fun.
Then comes category 8, all forms of insurance: health, life, disability, liability, personal possessions, homeowners and so forth.
Miscellaneous expenditures (including payments towards debt) comes under category 9, debt/miscellaneous.
And finally, there is category 10: business expenditures.
As you can see, all of your expenditures can be summarized into just 10 broad categories. You spend money only a few times a day. And yet those few decisions can make all the differences between poverty and wealth. Let’s examine the actual act of spending. Let’s dissect a typical money transaction, or money event.
Prosperous people have a unique attitude towards each money event. During a typical transaction, they complete a few extra key activities. In doing so, they spend a few extra minutes event that makes all the difference. That’s why I call this the millionaire minute.
Would you invest a few extra minutes per money event if you know it would eventually help you become financially free? Here is how people who are good with money approach a money event:
1. They plan the purchase. As with airline tickets, the longer the planning horizon, the cheaper the purchase.
2. They expect, ask for, and often get a discount.
3. They expect, ask for, and always get a receipt.
4. They always examine the receipt for errors.
5. They immediately write on their receipt a category number.
6. They balance their accounts to the penny.
7. They file the receipt as soon as they get home.
From now on, every time you spend money, take a few extra minute during that money event to practice the millionaire minute.
-Plan your purchase.
-Get a discount.
-Get a receipt.
-Examine your receipt.
-Categorize your receipt.
-Balance your account.
-File your receipt.
Money Skill 3: Save It.
The key to financial planning is cash-flow management. You’ve not only got to get the cash to flow into your reservoir, but you also have to manage the leaks so that there is money left over at the end of the month. This monthly surplus is the secret to financial growth. The surplus can be invested. The object of the money game is to accumulate enough investments so that the income from these investments will eventually support you. The third money skill is to save your surplus.
There are two meaning for the word save: (1) to pay less for your purchases, as in “Safeway saves you more!”, (2) to create a surplus, as in “I need to save some money for retirement.” Some people are good at the first save1. They like to shop for bargains. But they are terrible at the second save2. Wealthy people are great at both. They love to save1 money – to buy things wholesale, to get a good deal, to get a bargain. They hate to pay retail for anything. And now you know why. Each wasted dollar destroys a forest of future money trees.
But they don’t stop there. You see, anyone can save money by buying at a discount, but do they save2 the money that they save1? That’s the hard part. When you save2 money by changing your buying habits, take that money out of your wallet or purse to get it out of your spending grasp. You won’t even miss it. Put it into a saving2 jar, and frequently deposit it this money into your savings2 account. That’s when you’ve truly saved1/saved2 it.
When the saved1 money has accumulated until you have $25 to $50. Don’t be tempted to spend it. You need to transfer those savings into your long-term savings1 account…. And from there into your investment account…. And from there into your various investments (mutual funds, stocks, bonds, real estate, etc.)
You can literally become a millionaire on the money you’re wasting.
The rest of the money skills are:
Money Skill 4: Invest It.
Money Skill 5: Make It.
Money Skill 6: Shield It.
Money Skill 7: Share It.
Note: That all this cannot be accomplished if you do not have the will power plus a burning desire to succeed.
I challenge you to do what all great philanthropists have done: to be such a powerful steward over your forest of money trees that they can produce fruits to feed generations of people long after you have gone.
To this end, I wish you good luck and Godspeed.
Your Habits Determine Your Future
Our habit goes a long way and has a great deal in determining our future.
We are what we repeatedly do. Excellence then is not an act, but a habit the second half of a man’s life is made up of nothing but the habits he has acquired during the first half.
- Feodor Dostoeuski
What is a Habit?
Simply stated, a habit is something you do so often that it becomes easy and automatic. The cool thing is you can program yourself to adept any habit you like. This will allow you to replace the bad habits with good ones so you can expand your potential rather than limit it.
Understand this. You are your habits - they are responsible for up to 90 percent of your behaviors. Habits guide your actions and reaction and are the reflection people see of you. Can you think of a few habits that reflect an image you dislike? Not to worry, we’ll get rid of those bad ones a little later.
Successful people have successful habits
Unsuccessful people don’t.
The payoff for developing successful habits is HUGE. Consider this; wealthy people have wealthy habits - ask them. Healthy people have healthy habits - observe them. Weird people have weird habits - it’s obvious. Happy people have figured out what makes them happy and they practice it daily. In other words, they make it a habit.
WARNING:
The people you hang around with and
The environment you live in greatly
influence your habit.
Be careful to develop the habits you want.
Don’t allow a negative environment of other people to
impose bad habits on you.
Honesty is conforming our words to
our action; integrity is conforming
our action to our words.
- Stephen Covey.
THE SUCCESSFUL HABITS FORMULA
This proven three- step formula has changed the lives of thousands of people – professionals, entrepreneurs, athletes, artists and students, you can use it to change any beharvour that are unproductive, especially once that may be sabotaging your opporturnities for a successful future.
1.) Identify bad habits and their long-term consequence.
Think of all the areas of your life where your actions don’t produce the result you want. Make a list of these bad habits and write them down. You will be using them later as you transform them into successful habits. Here are a few examples to pull from:
-Leaving studying and home work to the last minute
-Excessive partying
-Seldom visiting the you exercising
-Over using your credit card, expecially for unnecessary purchases
-Breaking small promises
-Taking more than you give
-Rarely helping clean your house
-Frequently being late for class
-Not easting a good breakfast
-Constantly forgetting to pay your cell phone bills on time
-Not doing the dishes the same day you use them
-Hitting the snooze button for an her every mornings
-Neglecting to thank your parents and friends for the things they do for you.
-Allowing instant messaging to distract you from important schoolwork.
I beg you, take the time to time to do this exercise. If you don’t write your bad habit down, you will run the risk of blindly going through life totally unaware that some of these bad habits could, be leading you into a major crisis. One day you’ll wake up and say: “How did this happen to me?” Life will simply observe your calamity and respond, “Another poor victim who never stopped to think-how bad!”
When you define a bad habit, make sure to jot down the long – term consequences that could occur if you don’t change this behavior. If the consequences are severe, it will be much easier to make a positive change.
If you are unsure of your habits, ask a few trusted friends to give you some feedback. Note: your outward behavior is the truth whereas your inner behavior is an illusion.
In other words, what you see versus what others see be entirely different. Seek and be open to feedback, it is the key to becoming the person you really want to be. Have you determine your unproductive habits and jotted them down? If so, you’re ready for step #2.
A nail is driven out by another nail.
Habit is overcome by habit.
- Desiderius Erasmus.
2.) Define your successful habit and its benefits.
Often this is the opposite of your bad habit. For example, if your bad habit is always been late for class, your new successful habit may read “Always be five minutes early for class.” No blindfolds, no pulling rabbit out of hats. Its just simple.
When you have clearly defined what your new successful habit is, take a few minutes to write down the long- term rewards and benefit this new habit will provide. Continuing the example above, your benefit might read, “Not annoying my professor, not missing any announcements and getting to choose any seat in the room. “Hold your enthusiasm.
3.) Create a three – part action plan and choose a start date:
Your three-part action plan is the catalyst that will transform this new behavior into reality. This is where the rubber meets the road. Will you simply dream about your new habit, or will you create an action plan to adopt it? Don’t forget to include a start date. Once you do this, you’ll be off to the races.
Before you begin transforming your bad habits into successful habits, there is one critically important point-the only way to ensure your new behavior because a well – established habit is to create a NO EXCEPTIONS POLICY.
This means that if you decide to exercise three times a week to keep in shape, make sure it’s three times, not once or twice. Don’t sabotage your good your good intentions. The reason most people fail when it comes to creating better habits is because they quit or do a half-assed job. Be different – hang in there until the new behavior is a habit. The most difficult stage is the first few weeks. Eventually it becomes easy and you’ll do it without thinking. Most habit takes between 21 and 30 occurrences before they become part of your new normal behavior.
It’s time to eliminate some of your bad habit and create new successful ones. Are you up for the challenge?
I never would have done without the habit of punctuality, order and diligence…. The determination to concentrate myself on one subject at a time.
- Charles Dickens
It’s so hard when contemplated in advance, and so easy when you do it.
- Robert M. Pirsig
We are what we repeatedly do. Excellence then is not an act, but a habit the second half of a man’s life is made up of nothing but the habits he has acquired during the first half.
- Feodor Dostoeuski
What is a Habit?
Simply stated, a habit is something you do so often that it becomes easy and automatic. The cool thing is you can program yourself to adept any habit you like. This will allow you to replace the bad habits with good ones so you can expand your potential rather than limit it.
Understand this. You are your habits - they are responsible for up to 90 percent of your behaviors. Habits guide your actions and reaction and are the reflection people see of you. Can you think of a few habits that reflect an image you dislike? Not to worry, we’ll get rid of those bad ones a little later.
Successful people have successful habits
Unsuccessful people don’t.
The payoff for developing successful habits is HUGE. Consider this; wealthy people have wealthy habits - ask them. Healthy people have healthy habits - observe them. Weird people have weird habits - it’s obvious. Happy people have figured out what makes them happy and they practice it daily. In other words, they make it a habit.
WARNING:
The people you hang around with and
The environment you live in greatly
influence your habit.
Be careful to develop the habits you want.
Don’t allow a negative environment of other people to
impose bad habits on you.
Honesty is conforming our words to
our action; integrity is conforming
our action to our words.
- Stephen Covey.
THE SUCCESSFUL HABITS FORMULA
This proven three- step formula has changed the lives of thousands of people – professionals, entrepreneurs, athletes, artists and students, you can use it to change any beharvour that are unproductive, especially once that may be sabotaging your opporturnities for a successful future.
1.) Identify bad habits and their long-term consequence.
Think of all the areas of your life where your actions don’t produce the result you want. Make a list of these bad habits and write them down. You will be using them later as you transform them into successful habits. Here are a few examples to pull from:
-Leaving studying and home work to the last minute
-Excessive partying
-Seldom visiting the you exercising
-Over using your credit card, expecially for unnecessary purchases
-Breaking small promises
-Taking more than you give
-Rarely helping clean your house
-Frequently being late for class
-Not easting a good breakfast
-Constantly forgetting to pay your cell phone bills on time
-Not doing the dishes the same day you use them
-Hitting the snooze button for an her every mornings
-Neglecting to thank your parents and friends for the things they do for you.
-Allowing instant messaging to distract you from important schoolwork.
I beg you, take the time to time to do this exercise. If you don’t write your bad habit down, you will run the risk of blindly going through life totally unaware that some of these bad habits could, be leading you into a major crisis. One day you’ll wake up and say: “How did this happen to me?” Life will simply observe your calamity and respond, “Another poor victim who never stopped to think-how bad!”
When you define a bad habit, make sure to jot down the long – term consequences that could occur if you don’t change this behavior. If the consequences are severe, it will be much easier to make a positive change.
If you are unsure of your habits, ask a few trusted friends to give you some feedback. Note: your outward behavior is the truth whereas your inner behavior is an illusion.
In other words, what you see versus what others see be entirely different. Seek and be open to feedback, it is the key to becoming the person you really want to be. Have you determine your unproductive habits and jotted them down? If so, you’re ready for step #2.
A nail is driven out by another nail.
Habit is overcome by habit.
- Desiderius Erasmus.
2.) Define your successful habit and its benefits.
Often this is the opposite of your bad habit. For example, if your bad habit is always been late for class, your new successful habit may read “Always be five minutes early for class.” No blindfolds, no pulling rabbit out of hats. Its just simple.
When you have clearly defined what your new successful habit is, take a few minutes to write down the long- term rewards and benefit this new habit will provide. Continuing the example above, your benefit might read, “Not annoying my professor, not missing any announcements and getting to choose any seat in the room. “Hold your enthusiasm.
3.) Create a three – part action plan and choose a start date:
Your three-part action plan is the catalyst that will transform this new behavior into reality. This is where the rubber meets the road. Will you simply dream about your new habit, or will you create an action plan to adopt it? Don’t forget to include a start date. Once you do this, you’ll be off to the races.
Before you begin transforming your bad habits into successful habits, there is one critically important point-the only way to ensure your new behavior because a well – established habit is to create a NO EXCEPTIONS POLICY.
This means that if you decide to exercise three times a week to keep in shape, make sure it’s three times, not once or twice. Don’t sabotage your good your good intentions. The reason most people fail when it comes to creating better habits is because they quit or do a half-assed job. Be different – hang in there until the new behavior is a habit. The most difficult stage is the first few weeks. Eventually it becomes easy and you’ll do it without thinking. Most habit takes between 21 and 30 occurrences before they become part of your new normal behavior.
It’s time to eliminate some of your bad habit and create new successful ones. Are you up for the challenge?
I never would have done without the habit of punctuality, order and diligence…. The determination to concentrate myself on one subject at a time.
- Charles Dickens
It’s so hard when contemplated in advance, and so easy when you do it.
- Robert M. Pirsig
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6) Veriuni Ginseng Energy!* Increases energy and alertness ** Strengthens immune function ** Relieves stress and improves oxygen levels ** Acts as an antidepressant ** Increases sexual interest ** Mobilizes blood sugar from the liver ** Promotes a healthy nervous system *Learn more at: http://www.moreinfo247.com/10191480/GSNG
7) The overwhelming choice for athletes, dieters, and weekend warriors is Advanced Whey Protein. This whey based protein is ion-exchange and has superior biological value (more usable grams of protein then competitive products). Available in four delicious instantly mixable flavors. Order yours today! http://www.moreinfo247.com/10191480/VAWP
8) Aching joints and muscles? No problem! Veriuni Advanced Joint Support increases connective tissue regeneration and repair, helps with muscular energy levels, and improves joint function and mobility.http://www.moreinfo247.com/10191480/AJS
9) Reduce fat and increase muscle with Veriuni Diet Assist CLA!Lose weight & keep it off! Veriuni Diet Assist CLA...Lose 1 -2 pounds a week...start now with Veriuni Diet Assist CLA!Learn more at: http://www.moreinfo247.com/10191480/CLA
10) Did you know...Veriuni Super 25 Capsules contain the equivalent of four to five Centrum Brand Multi-vitamin tablets in a daily dose of Super 25 tablets. Save money while promoting your health today. Get the 25 essential vitamins, minerals, and antioxidants you need for a healthly lifestyle! Bolster your immune system with Veriuni Super 25.http://www.moreinfo247.com/10191480/Super25
11) Your best weapon to combat "free radicals": Veriuni Antioxidant Plus with Grape Seed Extract. Reduce premature aging and your vulnerability to various ailments with Veriuni Antioxidant Plus w/Grape Seed Extract. Veriuni Antioxidant Plus w/Grape Seed Extract—a powerful combination to "clean up" free radicals in a safe manner:http://www.moreinfo247.com/10191480/VAPlus
12) Veriuni Creatine—Nearly 100% water soluble w/10x the water solubility of conventional creatine products! Increase muscle mass, strength, and endurance with Veriuni Creatine. Max out your fitness efforts! Use Veriuni Creatine to increase peak power and delay fatigue during exercise. Boost the benefits of your exercise routine! Check out Veriuni Creatine today...http://www.moreinfo247.com/10191480/VC
13) Restore health and well-being with Veriuni Natural Digestion. Enzymes are an important link in stamina, energy level, utilizing vitamins and minerals and boost the natural immune system. Start maximizing the benefits of these enzymes today with Veriuni Natural Digestion! Improve your digestion and absorption of essential nutrients.http://www.moreinfo247.com/10191480/VND
Take you time to go through the below list of medicine, you might find the one you have been looking for. Mind you, you may not get them cheaper anywhere alse:
1) Finally...a safe, fat-burning formula. Get your energy & appetite suppressent all in one, safe supplement. Contains NO ephedra, promotes weight loss, and boosts energy! Veriuni Thermo! - http://www.moreinfo247.com/10191480/THMO
2) Energize your body and boost your mental power with Veriuni™'s own liquid multivitamin and antioxidant formulas. Gleaned solely from plants and the earth itself, Veriuni™'s all-natural ingredients and minerals contain nearly every nutrient you need to fuel your body, mind, and spirit. Find out more at http://www.moreinfo247.com/10191480/VALN
3) Safeguard your immune system, retard the aging process, and protect your health with Advanced Antioxidant with Red Wine Extract. One dose delivers 500 mg of Vitamin C, 400 IU of Vitamin E, and 30 mg of red wine extract for maximum healthful benefits! http://www.moreinfo247.com/10191480/VAA
4) Lose those unwanted pounds and look and feel great. Advanced Weight Loss is specially formulated for those with busy lifestyles. Only the very best ingredients are used. Three delicious instantly mixable flavors are available. Order yours today!http://www.moreinfo247.com/10191480/VAWL
5) Promote better joint health and maintain strong muscles with Veriuni Joint Health. Aching joints and muscles? No problem! Veriuni Joint Health to the rescue! Veriuni Joint Health: highly absorbable form of glucosamine-- your basic building block for better joint health! Learn more at: http://www.moreinfo247.com/10191480/JH
6) Veriuni Ginseng Energy!* Increases energy and alertness ** Strengthens immune function ** Relieves stress and improves oxygen levels ** Acts as an antidepressant ** Increases sexual interest ** Mobilizes blood sugar from the liver ** Promotes a healthy nervous system *Learn more at: http://www.moreinfo247.com/10191480/GSNG
7) The overwhelming choice for athletes, dieters, and weekend warriors is Advanced Whey Protein. This whey based protein is ion-exchange and has superior biological value (more usable grams of protein then competitive products). Available in four delicious instantly mixable flavors. Order yours today! http://www.moreinfo247.com/10191480/VAWP
8) Aching joints and muscles? No problem! Veriuni Advanced Joint Support increases connective tissue regeneration and repair, helps with muscular energy levels, and improves joint function and mobility.http://www.moreinfo247.com/10191480/AJS
9) Reduce fat and increase muscle with Veriuni Diet Assist CLA!Lose weight & keep it off! Veriuni Diet Assist CLA...Lose 1 -2 pounds a week...start now with Veriuni Diet Assist CLA!Learn more at: http://www.moreinfo247.com/10191480/CLA
10) Did you know...Veriuni Super 25 Capsules contain the equivalent of four to five Centrum Brand Multi-vitamin tablets in a daily dose of Super 25 tablets. Save money while promoting your health today. Get the 25 essential vitamins, minerals, and antioxidants you need for a healthly lifestyle! Bolster your immune system with Veriuni Super 25.http://www.moreinfo247.com/10191480/Super25
11) Your best weapon to combat "free radicals": Veriuni Antioxidant Plus with Grape Seed Extract. Reduce premature aging and your vulnerability to various ailments with Veriuni Antioxidant Plus w/Grape Seed Extract. Veriuni Antioxidant Plus w/Grape Seed Extract—a powerful combination to "clean up" free radicals in a safe manner:http://www.moreinfo247.com/10191480/VAPlus
12) Veriuni Creatine—Nearly 100% water soluble w/10x the water solubility of conventional creatine products! Increase muscle mass, strength, and endurance with Veriuni Creatine. Max out your fitness efforts! Use Veriuni Creatine to increase peak power and delay fatigue during exercise. Boost the benefits of your exercise routine! Check out Veriuni Creatine today...http://www.moreinfo247.com/10191480/VC
13) Restore health and well-being with Veriuni Natural Digestion. Enzymes are an important link in stamina, energy level, utilizing vitamins and minerals and boost the natural immune system. Start maximizing the benefits of these enzymes today with Veriuni Natural Digestion! Improve your digestion and absorption of essential nutrients.http://www.moreinfo247.com/10191480/VND
July 23, 2008
50 Ways to Save $50 a Month
1. Shop with a list – and stick to it.
2. Just say No to ATM’s with fees – plan ahead for you cash needs.
3. Does your bank charge high fees? MOVE YOUR ACCOUNT.
4. Pay off that credit card balance.
5. If you must carry a credit card balance, shop around for a card with a lower rate.
6. Look of lower premiums on your insurance polices.
7. Consider higher deductibles for your home and auto insurance.
8. Do you have private mortgage insurance? If you’ve built up 20% equity in your home, you can cancel it.
9. Use a mail-order pharmacy for long-term prescriptions.
10. “Doc, can I get that as a generic drug?”
11. Check all medical and hospital bills for errors-many insurance companies offer rewards.
12. Rent - never buy - something you’ll only use a few times.
13. Turn your yard into a department store – have a rummage sale.
14. Switch long – distance carriers – then switch again.
15. Call waiting? Not usually? Cancel those add – on phone services you don’t need.
16. E-mail your friends instead of calling.
17. Skip the movies – rent a video instead.
18. Dine out? Eat in.
19. Lunch is “in the bag” – or it should be.
20. Don’t buy that book! Exercise you library card.
21. Free up space in your mailbox – cancel that magazine subscription you never read.
22. Watch a parade or have a picnic – free entertainment is often the best.
23. Turn your car into a “chat room.” Carpool to work.
24. Join the “bus crowd” and avoid cab fare.
25. Buy airline tickets in advance – and always stay through Saturday. You’ll have more fun and it’s a lot cheaper, too?
26. Quit that health club – join the local gym instead.
27. “COUPONS” & “DOUBLE COUPON DAYS.” Enough said.
28. What’s in a name? Buy generic instead.
29. Skip the paper towels – wash your cloth ones instead.
30. Watch out for “convenience” foods – they’re expensive and not as healthy for you anyway.
31. Join a warehouse club.
32. “Scan” those scanners and receipt – mistake do happen.
33. Avoid “pricey” specialty stores.
34. Comparison shop “on-line.”
35. Gotta trunk? Buy in BULK.
36. Premium gas for your car? Most run fine without it. Check your manual to be sure.
37. Forget the words “automatic car wash” – do it yourself and get some fresh air.
38. Use that quick – change oil and lube service on the crones instead of a full-service garage.
39. Never pay extra for services contracts or extended warranties – the manufacturer’s warranty is usually sufficient.
40. Cancel that premium channel you never watch – or cancel cable TV altogether.
41. Don’t touch that thermostat – put on a sweater instead.
42. Take a shower instead of a bath.
43. Only run a full dishwasher.
44. Have an energy audit done on your home – some companies offer them for FREE.
45. Never pay extra for car rental insurance – you’re probably already covered by your credit card or regular car insurance.
46. DON’T PLAY THE LOTTERY – the odds of getting hit by lightning are better that your chance of winning.
47. Time to refinance your home? Keep an eye on interest rate.
48. Pay yourself first – set aside a dollar a day.
49. Buy a “piggy bank” for all the spare change you keep finding in your couch.
50. Don’t spend your next pay raise – INVEST THAT MONEY INSTEAD.
2. Just say No to ATM’s with fees – plan ahead for you cash needs.
3. Does your bank charge high fees? MOVE YOUR ACCOUNT.
4. Pay off that credit card balance.
5. If you must carry a credit card balance, shop around for a card with a lower rate.
6. Look of lower premiums on your insurance polices.
7. Consider higher deductibles for your home and auto insurance.
8. Do you have private mortgage insurance? If you’ve built up 20% equity in your home, you can cancel it.
9. Use a mail-order pharmacy for long-term prescriptions.
10. “Doc, can I get that as a generic drug?”
11. Check all medical and hospital bills for errors-many insurance companies offer rewards.
12. Rent - never buy - something you’ll only use a few times.
13. Turn your yard into a department store – have a rummage sale.
14. Switch long – distance carriers – then switch again.
15. Call waiting? Not usually? Cancel those add – on phone services you don’t need.
16. E-mail your friends instead of calling.
17. Skip the movies – rent a video instead.
18. Dine out? Eat in.
19. Lunch is “in the bag” – or it should be.
20. Don’t buy that book! Exercise you library card.
21. Free up space in your mailbox – cancel that magazine subscription you never read.
22. Watch a parade or have a picnic – free entertainment is often the best.
23. Turn your car into a “chat room.” Carpool to work.
24. Join the “bus crowd” and avoid cab fare.
25. Buy airline tickets in advance – and always stay through Saturday. You’ll have more fun and it’s a lot cheaper, too?
26. Quit that health club – join the local gym instead.
27. “COUPONS” & “DOUBLE COUPON DAYS.” Enough said.
28. What’s in a name? Buy generic instead.
29. Skip the paper towels – wash your cloth ones instead.
30. Watch out for “convenience” foods – they’re expensive and not as healthy for you anyway.
31. Join a warehouse club.
32. “Scan” those scanners and receipt – mistake do happen.
33. Avoid “pricey” specialty stores.
34. Comparison shop “on-line.”
35. Gotta trunk? Buy in BULK.
36. Premium gas for your car? Most run fine without it. Check your manual to be sure.
37. Forget the words “automatic car wash” – do it yourself and get some fresh air.
38. Use that quick – change oil and lube service on the crones instead of a full-service garage.
39. Never pay extra for services contracts or extended warranties – the manufacturer’s warranty is usually sufficient.
40. Cancel that premium channel you never watch – or cancel cable TV altogether.
41. Don’t touch that thermostat – put on a sweater instead.
42. Take a shower instead of a bath.
43. Only run a full dishwasher.
44. Have an energy audit done on your home – some companies offer them for FREE.
45. Never pay extra for car rental insurance – you’re probably already covered by your credit card or regular car insurance.
46. DON’T PLAY THE LOTTERY – the odds of getting hit by lightning are better that your chance of winning.
47. Time to refinance your home? Keep an eye on interest rate.
48. Pay yourself first – set aside a dollar a day.
49. Buy a “piggy bank” for all the spare change you keep finding in your couch.
50. Don’t spend your next pay raise – INVEST THAT MONEY INSTEAD.
July 19, 2008
Determine if Your Company is in Trouble
There are signs to look for and once you see them, you need to start job-hunting immediately and with vigor. Here are some clues to consider.
Instructions
Difficulty: Moderately Easy
Things You’ll Need:
.Good powers of observation
Step1
Problems with paychecks are often the major telltale sign that the company is having a serious cash-flow problem. If you get paid late or have any issues with cashing paychecks, beware. If you are in a non-profit, this can happen as grants come in on a staggered schedule, but a manufacturing company should have enough of a buffer to avoid this problem.
Step2
Frequent changes in upper management are another common cause for concern. This does happen in stable companies as well, but combined with other factors, this can be an indicator of financial instability.
Step3
Loss of customers without apparent reason is another cause for concern. If your company is losing customers, they should be aggressively going after the business with new models and products.
Step4
Lack of communication from the top is another clue. Most organizations give memo updates or have at least quarterly business communications to employees in the form of meetings. If this suddenly stops, be concerned.
Step5
A sudden exodus of employees at any level, but particularly among those that may be privy to the company’s finances is another clue.
Step6
All or many of these factors combined should get you in motion to start a new job search. Remember, employment for life is a luxury of the past and will likely never be the status quo in the future. You need to look out for yourself first and foremost. You are your own best advocate.
Build Trust as a Leader.
Managers, in their role as “formal leaders”, must seriously consider the critical element of TRUST that they need command in their role if they are to be “effective leaders”.
Instructions
Difficulty: Challenging
Things You’ll Need:
.Commitment and Courage
Step1
The following is a list of words that others need to be using when they describe you if you are to gain and maintain their trust;committed, confident, fearless, communicative, predictable, reliable, correct, forgiving, clear, factual, unbiased, respectful, reasonable, confidential, contributing, even, defining, accountable, interested, calm, resolute, tactful, sincere, frank, listener, patient, answering, sharing, fair, timely, honest, decisive, neutral, competent, consistent, explicit, responsible, transparent, close (near), willing, collaborative, accurate, graceful, helpful KNOW HOW YOU STAND? Why not ask your followers to rank you (anonymously) on a scale of 1 to 10, or alternatively use the “never/sometimes/mostly/always” grid for each of the words and see how you do!
Step2
Learn the longest sentence I have ever written… (trust me!)To be trusted followers need to understand your intent and believe they can find a worry free, suspicion-less, environment where they are not taken for granted, their faith in the leader is confirmed and supported by a consistent track record, where mistakes are forgiven, miscommunications and misunderstandings are corrected, beliefs, differences and privacy are respected, sweeping opinions based on assumptions or stereotypes never occur, fear of loss is minimized, being betrayed or feeling burnt does not happen, abruptness, shock, knee jerk, emotional reactions, cynicism or anger are not permitted, vulnerable and naïve people are protected, solace is freely given, they are never disabled, over-reaction does not occur, they are never categorized, forced or excluded through prejudice, avoiding or omitting truth or facts is not permitted, interruptions, restlessness, frowning, negative gestures are discouraged, success, action and effort are acknowledged and credit given, neutrality, togetherness, flexibility, directness, informative, non-assumptive opinions and perspectives are sought by a leader who keeps promises, is willing to be wrong, extends themselves, overcomes short-term feelings, avoids harming others, shows trust, risks being let down, makes amends and who also promotes, togetherness, closeness, full disclosure, open dialogue, speaking the truth, does what they say they will do, doesn’t do what you say they won't do, develops others and their ideas, able to have fun, seeks solutions to problems, win/win agreements and closure and lives up to followers expectations through thoroughly understanding that power equals responsibility.
Step3
Think about it, practice it and phew... get me an aspirin!
THE GRAMMAR IS LOUSY, HOWEVER THE MESSAGE IS CLEAR.
Instructions
Difficulty: Challenging
Things You’ll Need:
.Commitment and Courage
Step1
The following is a list of words that others need to be using when they describe you if you are to gain and maintain their trust;committed, confident, fearless, communicative, predictable, reliable, correct, forgiving, clear, factual, unbiased, respectful, reasonable, confidential, contributing, even, defining, accountable, interested, calm, resolute, tactful, sincere, frank, listener, patient, answering, sharing, fair, timely, honest, decisive, neutral, competent, consistent, explicit, responsible, transparent, close (near), willing, collaborative, accurate, graceful, helpful KNOW HOW YOU STAND? Why not ask your followers to rank you (anonymously) on a scale of 1 to 10, or alternatively use the “never/sometimes/mostly/always” grid for each of the words and see how you do!
Step2
Learn the longest sentence I have ever written… (trust me!)To be trusted followers need to understand your intent and believe they can find a worry free, suspicion-less, environment where they are not taken for granted, their faith in the leader is confirmed and supported by a consistent track record, where mistakes are forgiven, miscommunications and misunderstandings are corrected, beliefs, differences and privacy are respected, sweeping opinions based on assumptions or stereotypes never occur, fear of loss is minimized, being betrayed or feeling burnt does not happen, abruptness, shock, knee jerk, emotional reactions, cynicism or anger are not permitted, vulnerable and naïve people are protected, solace is freely given, they are never disabled, over-reaction does not occur, they are never categorized, forced or excluded through prejudice, avoiding or omitting truth or facts is not permitted, interruptions, restlessness, frowning, negative gestures are discouraged, success, action and effort are acknowledged and credit given, neutrality, togetherness, flexibility, directness, informative, non-assumptive opinions and perspectives are sought by a leader who keeps promises, is willing to be wrong, extends themselves, overcomes short-term feelings, avoids harming others, shows trust, risks being let down, makes amends and who also promotes, togetherness, closeness, full disclosure, open dialogue, speaking the truth, does what they say they will do, doesn’t do what you say they won't do, develops others and their ideas, able to have fun, seeks solutions to problems, win/win agreements and closure and lives up to followers expectations through thoroughly understanding that power equals responsibility.
Step3
Think about it, practice it and phew... get me an aspirin!
THE GRAMMAR IS LOUSY, HOWEVER THE MESSAGE IS CLEAR.
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