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Introduction

At least once in every person’s life comes a time when the need is great and the resources are few. It can be hard enough to make ends meet on a decent wage, but, when the times get tough and the money just is not there to meet the need, a person can easily despair.

101 Ways to Raise Emergency Money has been written with you in mind. If you are forever trying to come up with inventive ways to earn and save more then this creative ebook will absolutely thrill you.

When a person can have good financial control and a good plan of action. Should emergency funds be needed, a person can then sleep better at night.

There is no real magic formula for coming up with on-the-spot emergency cash. There is a good deal of thinking through and the putting of a good plan into action. If you can do that, you have it made. That is truly all that any one of us can do to secure out tomorrows.

How to Cope with a Cash Crisis

If you are hit with a serious money crisis and you find yourself scrambling around for emergency money, here’s how to assess your situation and get back on your feet.
All of a sudden and without warning, your roof begins to leak! Your hot water heater shuts down and your computer goes up in smoke, the clutch needs to be replaced in your car and your son decides to have his wedding on the Isle of Oahu – all of this within the same week!

As you sit, stunned and you ponder an exit strategy you receive a friendly letter from the IRS explaining that you miscalculated your taxes in 1996, and
they now own your house.

This Kind of Money Emergency Requires your Immediate Attention

What do you do?

The above scenario looks like a money emergency of biblical proportions. You are afraid to open your front door for fear of finding a swarm of locusts!

Thank goodness, there are things you can still do to restore your financial life and equilibrium—and perhaps even fend off future misfortune—without having to sell your very soul.

Learning to Cope with a Money Emergency

Wherever there are money woes, you can be sure to find crippling emotional setback. Avoid it all you try, you might just as well begin to prepare for the devastating fiscal and the emotional fallout that is sure to come. You will need to cope very well with both if you hope to make a solid financial comeback.

Whenever a money emergency hits, it will be your ability to deal with the individual pitfalls that will hold you in good stead. It is when a series of financial hits come your way that the stress will tend to accumulate and make your life much more difficult to cope.

You will not be so overwhelmed when you can calmly and rationally look at each individual problem as it arises. If you sit back wringing your hands with worry and allow all of your emergencies to pile into one; you will find yourself down for the count.

Calm must take center stage. You must NEVER allow yourself the luxury of panic. There is no one there for you to just take over. You are all you have.

The more you panic, the less effective you will be. You need to keep a very clear head to be able to sit down and come up with an appropriate plan. Be aware of your own tendency to sabotage your plans further. It is only when you are at your most calm that you will be prepared to get to where you need to be and then overcome.

Being Calm is the First Key to Managing a Money Emergency

At even the first hint of a money emergency, it’s important not to act right

away. If you do you will inevitably make a mistake! First, before you can manage your finances again, you have to first manage your emotions. You absolutely must regain your balance before you can even begin to make a plan.

If your money emergency demands that you act quickly, think first about seeking the advice of a debt counselor, money coach or financial planner. Whenever possible think about seeking out the aid of a financially perceptive friend or family member who can help you to come to a clearer perspective.

Remember the old adage that ?two heads are always better than just one!? You won’t need to make a major cash investment if you’re strapped. Look for a planner who will give you a one-hour consultation for $150. Often times this will be all you will need to securely turn the corner.

Time to Crunch some Numbers

The first step toward establishing financial stability is to step back, take a deep breath and assess the damage. Possibly one of the bigger mistakes people make when they’re in a financial crisis is not being prepared to make a clear assessment of where they’re at.

You can easily become overwhelmed. However, totaling up the damage serves two important purposes. First, you need to know exactly how much you owe, how much money you have in hand and what it will take to cover the distance between the two. Second, you will want to avoid any other mishaps, such as penalties, further repairs, missed deadlines, etc.

If you are not properly prepared, you must become prepared on the spot. Any type of money crisis will catch you unaware and you will feel cornered. Wouldn’t it be ideal to be ready and waiting for the crisis? How likely is this to happen to you, though?

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It's hard isn't it? Knowing just where to begin when you're new to the whole online selling game. With so many others already earning money and touting the praises of their methods, where exactly do you begin?

Many "newbies" give up before they've really begun. That's due in part to the unrelenting maze of courses, ebooks, and other assorted sources available as soon as you log in! It's confusing. Who's right? Who's wrong? And who's in it just to make a quick buck from the inexperienced?

Well, hopefully, this guide will point you in the right direction! After all, that is the purpose of it :-)

Let's first discuss why people feel compelled to sell products online. . .

Why To Sell E-Z Money

Everyone wants to make money. That's a given. And the internet can present some pretty lucrative possibilities. But it can also create a breeding ground for scammers. Sometimes it's tough to know what is a scam and what isn't. No one can tell you in all honesty that they haven't, at some time in their online career, been taken at least once by a hyped up scam. You have to understand that there are some folks who are a constant source of helpful information, and those that are hanging out looking for the quick cash. While you can make some easy profits doing business on the internet, you still must be vigilant and careful when buying. The old adage still rings true, especially online: "Let The Buyer Beware".

Plus, when you sell products online, generally start up costs are much lower than that of a traditional "brick-and-mortar" store. In many cases your monthly costs would be less than going for a night out. So, turning a profit is much, much easier to accomplish.

Setting Your Own Hours

Who doesn't want to be their own boss?! Deciding when and if you work gives you such a sense of freedom. Well, not exactly. A common misconception about home-based business is that you will have much more time to do the things you want to, and less time spent working. You see it all the time if you've seen any type of "infomercial" when you're up late watching television. The fact of the matter is any business is still a business.

Meaning, you have to work at it to taste success. Many times, when running your own "stay at home business", there are more work hours put in, and less time for all the fun things that you thought you'd be doing. This is not meant to be discouraging, just a reality check. So be prepared for this ahead of time.

Limitless Opportunity

Earning money online is virtually limitless. Every single day, millions log on in search of something. Whether it be information, or a specific product. Shopping by internet is a time-saver. Collecting information online is a time-saver. Understand that most folks looking for information are prepared to pay for it. This is a fact. And absolutely anything that you can think up can be turned into an informative product. Remember, there are millions of internet visitors all across the world searching for information. The only "limits" involved with selling online are those you set for yourself.

Add to that the fact that with information selling, you can resell the same "packet" of materials over and over again to as many people who want it, and you have an unstoppable income force! However, it's important to remember that technology is an ever expanding field. So you will have to "change with the times" and be prepared to keep your information up to date. Change is a good thing.

Any "idea" can be cultivated into a product. Does it have to be a great idea? No. But, you do need to make sure that you are offering something that has a value. You can't just go and copy down some free information, change some of the wording, and then expect to make a profit. It doesn't work that way. You must put forth effort to get value from what you're creating. This way, if you value and believe in what you have made, then most likely others will too. Plus, eventually, you'll get caught and be labeled a "scammer". And that, my friend, is a reputation you do not want if you want to make your online business a success.

Where To Sell

The first thing you need to do is have a place to sell your products from. It doesn't matter what you're selling, but it does matter where you sell it from. Let me explain. When you plan to run an online business, treat it like one! You'll make much more money this way, believe me. Sure, you'll have some out of pocket expenses, but that's part of doing business. I cannot stress enough the importance of having your very own domain name and web site space.

There's a big difference between a department store and a yard sale. Think of your business as a specialized department store, and give it a place to "stand". If you try and do every single thing for free, you're business will suffer for it in the long run. You need complete control over your business. After all, you are the boss and not just the manager. That's why you need to steer clear of free web hosting sites.

Yeah, they give you your own sub-domain and a limited amount of space, but more importantly, these hosts hinder your earning ability with permanent banner ad placement and file upload limitations. Keeping everything as simple as possible will benefit you in the end and make your job a lot easier. Don't waste your time or energy. It's not worth it.

So, do yourself a big favor and pay for good web hosting. Let me add this, many web hosts are steering away from allowing certain files to be hosted on their servers. This includes .zip, .mp3, .exe, and in some cases .pdf files. Not good for an information business. Most of these web hosts who ban these types of files are offering "shared" hosting. Shared hosting is simply multiple web sites that share the same server. While this isn't a bad system, it still limits what you can do. But, if you are comfortable with that and have found a shared hosting plan that fits your specific needs with a good price, then go for it. But be sure to check their terms of service before you finalize your choice and pay.

Before you set up with a specific web host, you need a domain name. That is an easy enough task. Where you purchase your domain name is just as important as where you purchase your web space hosting. A good company to go with for domain name purchasing is GoDaddy. They've been around for a while and they have top notch customer service. Plus, their prices are affordable.

When selecting the right domain name it's a good idea for you to add at least one descriptive word pertaining to your online business. Say for instance you want to sell soccer equipment, you might choose www.waytogoalsoccer.com, or www.soccersupplier.com, or www.yoursoccersupplies.net, www.justsoccer.com, etc. The reason for adding "keyword" in your domain is that when people use search engines your site will come up more frequently. And that means more traffic, which means more sales. Plain and simple.

It doesn't matter where you buy your domain name, just that you buy one.

Now, if you're just beginning and don't really have the funds to purchase a domain name and website space, there is another way to begin if you are wishing to sell information products that can be automatically delivered by way of downloading. There is a site that does something quite unique. I know I said earlier that using a sub-domain isn't a good idea for serious online business. But, using a system like TradeBit is the exception to this.

And the reason is quite simple.

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INTRODUCTION

"The average family exists only on paper and its average budget is a fiction, invented by statisticians for the convenience of statisticians."

Sylvia Porter

Unlike the quote provided above, seemingly reflective of general opinion on family budgets today, we will attempt to take a much more positive approach to budgeting, as a family oriented, user-friendly, financial management and planning tool and life-enabler.

However, when reflecting on family budgeting and inquiring as to why not more families are actually using it, it becomes self-evident that similar skepticism runs rampant and deep in reality and society, even globally so.

Once you start probing family budgets, expending time and energy researching the subject in-depth, it becomes quite clear, that most families are caught in a vicious, almost never-ending cycle of “What comes in must go out.”

Most families might feel that budgeting is a futile effort, unnecessarily burdening them with thoughts and ways, to go broke methodically and slowly, without the creature comforts and indulgences of our human modern-day society.

Others might voice that they feel as if they are merely throwing money away, in a never-ending and dizzying spiral of spend, spend, spend. People are getting deeper and deeper into debt, no matter how hard they try to get out of it. Questions are then raised: How do we stop these courses of action? How do we change the thinking around family fiscal discipline?

Put simply, in “How to set up a Family Budget”, we focus in on how to empower families to set up better, more realistic budgets, stick to them and celebrate their successes (and learn from their failures!)

Families eventually do have a monthly surplus, see their savings start to grow, consolidate their debt, set aside discretionary funds and personal allowances, build their wealth and become more aware of their pro-active involvement and responsibility regarding their lives and finances. This is when excitement builds and fundamental thought patters as well as spending attitudes are changed.

Budgeting is seen as an accurate measurement of success when significant behavioral transformation is taking place on the landscape of the family budget, spending habits and financial patterns we observe over time!

Do you ever feel that you do not have enough cash at the end of the month to pay bills, buy necessities of life? Are you barely making a dent in your credit card debt balance, no matter how hard you try?

Here is a reality check for all of us: if we choose to spend it, it is gone for good. We cannot spend it on anything else. Are you perhaps worried about a nest egg for your golden years or savings for early retirement? Then you have arrived at a source that can provide some prudent tips on how to start, finish, implement, stick to, revise and refine a family budget.

The family budget is a dynamic process, even more so than a mere static work-product, result, process-outcome or document. It will, can and should change over time. It becomes a barometer of a family?s fiscal circumstance, resources and health.

Maybe budgeting is not as much about reflecting on what you cannot have, but more about thoughts on how to stretch, invest and spend your earned dollars more wisely. In short, it is about making your money going further.

This quick-reference how-to guide was developed to assist you with setting up your own personal, household and family budget, to help you with all of the above and more!

A couple of general money-savings will also be provided in these pages. There are also thoughts and spending patterns that need to change, in order to become fiscally more disciplined and many techniques, attitudes, habitual behaviors that we need to un-earth, evaluate and possibly change, before you even start budgeting.

For example, being a bargain hunter looking for good buys, cutting down on careless spending, being on the lookout for careless credit card spending and letting the person who handles money best in your household actually take care of it, are all good examples of what we mean.

For most households, a budget is no more than a spending plan. Any spending plan can help you see where your money is going. It fits your spending to your income. It reflects how we get the things we want and need most, while being ready and prepared for bills we must pay every month.

For most families it is simply about making a budget you can live with and stick to easily. It is not a difficult exercise, but one most people fear, avoid or dread because of the unknown and perceived complexity of it (sometimes wrongfully so!).

Part of the goal of this guide is to demystify family budgeting and highlight an easy systematic process to setting up a quality family budget.

Many things actually drive our expenditure. We choose to spend our money on things we value, need, prefer or consciously choose. For some it is clothes, for others it might be something as simple as taking that yearly vacation.

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Introduction

There are many misconceptions about credit scores out there. There are customers who believe that they don’t have a credit score and many customers who think that their credit scores just don’t really matter. These sorts of misconceptions can hurt your chances at some jobs, at good interest rates, and even your chances of getting some apartments.

The truth is, of you have a bank account and bills, then you have a credit score, and your credit score matters more than you might think. Your credit score may be called many things, including a credit risk rating, a FICO score, a credit rating, a FICO rating, or a credit risk score. All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how likely you are to repay your bills.

Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some more exclusive types of apartment living, your credit score is checked.

In fact, your credit score can be checked by anyone with a legitimate business need to do so. Your credit score is based on your past financial responsibilities and past payments and credit, and it provides potential lenders with a quick snapshot of your current financial state and past repayment habits.

In other words, your credit score lets lenders know quickly how much of a credit risk you are. Based on this credit score, lenders decide whether to trust you financially - and give you better rates when you apply for a loan. Apartment managers can use your credit score to decide whether you can be trusted to pay your rent on time. Employers can use your credit score to decide whether you can be trusted in a high-responsibility job that requires you to handle money.

The problem with credit scores is that there is quite a bit of misinformation circulated about, especially through some less than scrupulous companies who claim they can help you with your credit report and credit score - for a cost, of course.

From advertisements and suspect claims, customers sometimes come away with the idea that in order to boost their credit score, they have to pay money to a company or leave credit repair in the hands of so-called “experts.” Nothing could be further from the truth. It is perfectly possible to pay down debts and boost your credit on your own, with no expensive help whatsoever.

In fact, the following 101 tips can get you well on your way to boosting your credit score and saving you money.

By the end of this ebook, you will be able to:

- Define a credit score, a credit report, and other key financial terms
- Develop a personalized credit repair plan that addresses your unique financial situation
- Find the resources and people who can help you repair your credit score
- Repair your credit effectively using the very techniques used by credit repair experts

Plus, unlike many other books on the subject, this ebook will show you how to deal with your everyday life while repairing your credit. Your credit repair does not happen in a vacuum.

This book will teach you the powerful strategies you need to build the financial habits that will help you to a keep a high credit risk rating. It really is that simple.

Start reading and be prepared to start taking small but powerful steps that can have a dramatic impact on your financial life!

The Basics

Before you start boosting your credit score, you need to know the basics. You need to know what a credit score is, how it is developed, and why it is important to you in your everyday life.

Lenders certainly know what sort of information they can get from a credit score, but knowing this information yourself can help you better see how your everyday financial decisions impact the financial picture lenders get of you through your credit score. A few simple tips are all you need to know to understand the basic principles:

Tip #1: Understand where credit scores come from.

If you are going to improve your credit score, then logic has it that you must understand what your credit score is and how it works. Without this information, you won’t be able to very effectively improve your score because you won’t understand how the things you do in daily life affect your score.

If you don’t understand how your credit score works, you will also be at the mercy of any company that tries to tell you how you can improve your score - on their terms and at their price.

In general, your credit score is a number that lets lenders know how much of a credit risk you are. The credit score is a number, usually between 300 and 850, that lets lenders know how well you are paying off your debts and how much of a credit risk you are.

In general, the higher your credit score, the better credit risk you make and the more likely you are to be given credit at great rates. Scores in the low 600s and below will often give you trouble in finding credit, while scores of 720 and above will generally give you the best interest rates out there. However, credit scores are a lot like GPAs or SAT scores from college days - while they give others a quick snapshot of how you are doing, they are interpreted by people in different ways. Some lenders put more emphasis on credit scores than others.

Some lenders will work with you if you have credit scores in the 600s, while others offer their best rates only to those creditors with very high scores indeed. Some lenders will look at your entire credit report while others will accept or reject your loan application based solely on your credit score.

The credit score is based on your credit report, which contains a history of your past debts and repayments. Credit bureaus use computers and mathematical calculations to arrive at a credit score from the information contained in your credit report.

Each credit bureau uses different methods to do this (which is why you will have different scores with different companies) but most credit bureaus use the FICO system. FICO is an acronym for the credit score calculating software offered by Fair Isaac Corporation company. This is by far the most used software since the Fair Isaac Corporation developed the credit score model used by many in the financial industry and is still considered one of the leaders in the field.

In fact, credit scores are sometimes called FICO scores or FICO ratings, although it is important to understand that your score may be tabulated using different software.

One other thing you may want to understand about the software and mathematics that goes into your credit score is the fact that the math used by the software is based on research and comparative mathematics. This is an important and simple concept that can help you understand how to boost your credit score. In simple terms, what this means is that your credit score is in a way calculated on the same principles as your insurance premiums.

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We Have a Date!

Dear Readers,

Welcome to Personality Quadrants’ Dating Guide! This is a fun-filled, light-hearted guide on how to get a good date by understanding yourself as well as understanding how your date will behave based on his or her personality type!

As you might know, there are many variations of teachings regarding the personality quadrants out there all written by psychologists and experts in the field. This book is not a manual to self-enlightenment.

The information here covers two main points:

- Understand which personality quadrant you fall into
- Understand how to deal with your date or the person you want to date

When I first started dating, I didn?t know how to react to her – the object of my affections. I had no experience because I never went on a date before, and I thought that the way to win over my date?s affections was to please her. It sounded like a fantastic idea, but I made a big mistake: I saw her through the filter of my own personality quadrant and I made assumptions that what I like and what I need is what she likes and what she needs!

What happened afterwards was one disaster after another because I kept doing the things she didn?t like which I thought would be something which I did like. I learnt that I needed to adjust the way I communicate. Unfortunately, things got so bad that we broke up but the lesson taught me how to deal with people better from then on.
Enough about me! Let’s move on to the juicy stuff now.

Personality Quadrants? Dating Guide

“Mastering Dating Skills by Understanding the Way Your Date Behaves”

The Secret to Success and Happiness

Different people have different definitions about success and happiness. But the one BIG factor to that lies here: OTHER PEOPLE.

You see, consider the fact that other people are:

- Quite similar to others in the ways they are
- Like no one else – unique!
- More like some people more than the others

Most self-improvement books and research actually show that men and women typically fall into one of four unique groups. As a matter of fact, those people tend to react in a rather predictable way when faced with circumstances and situations.

Each of these styles, which I will go into in the later chapter, has its own strengths and weaknesses. Although it is important to realize that no style is superior or inferior to others, we must take note of the fact that the other 75% of the people we encounter reacts differently from us.

If your date happens to be from a different quadrant, you have to adapt your communication style to match him or her if you want to please your date.

You do not need to go into a personality overhaul if you do not like something about yourself. The key point to remember is people who find success and happiness, are those who are flexible enough to relate to others through modifying their own predominant interpersonal style to meet the needs of others who have a different predominant style.

In other words, „my way or the highway’ just doesn?t work anymore.

In the next chapter, we will play a little game that will give you an idea which personality quadrant you will fall into.

Personality Quadrants? Dating Guide

“Mastering Dating Skills by Understanding the Way Your Date Behaves”

Which Category Do You Fall Into?

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Why I Wrote This Book

Welcome, my dear readers!

If you are feeling lonely as you are reading this, you are not alone. The reason why I put this book together is because I know what it is like. Loneliness is a topic that is very close to my heart because I have been through the depths of empty, meaningless feelings many times and I am not new to that kind of feeling.

I have felt every gripping moment of it. The long, long hours which seems like days, the lonely nights where I weep in silence, drenching my pillow salty with tears, the lack of desire to face the next day and the thought of wanting to end it all!

It doesn?t matter if you have a girlfriend/boyfriend, husband or wife. No matter how close you are with them, there are parts of you that they just don?t understand! The pain doesn?t fade after confiding with your best friend, your group of buddies, or even your counselor! Nobody seems to understand you yet you want them to feel your pain.

I empathize with you, my friend. I truly do.

But I have good news for all of us lonely hearts out there. I have survived through and I have a way to solve it if not ease the pain at least.

My stories and writings in this book aim to accomplish a few things:

- Understanding the theory behind loneliness to better understand yourself
- Understanding the feelings associated with loneliness
- Developing a healthy feeling of love to help you overcome problems
- Practical steps to break the lonely cycle
- Replace the feeling of loneliness with healthy thoughts

It is my sincere wish that after you read this book, you will be better equipped to cope with loneliness. Even if you don?t feel lonely, maybe you know someone who is. Use this information to help them and make their world a better place.

All Alone!

Everyone in the world has felt this emotion one time or another. Especially in these times rapid technological growth the feeling of loneliness is rapidly increasing.
Firstly, we must clarify what loneliness means.

Loneliness is an emotional state. This is a state where people experience a disconnection from people around them as well as a deep feeling of emptiness, which renders their present company around them meaningless.

That person could be in a big crowd or by him/herself, married or single, young or old. They basically find it very hard to connect with others and experiences emancipation from meaningful relationships.

This is not to be confused with being alone.

Being alone does not equate to being lonely because sometimes it is good for a person to be alone and at times it could be very refreshing as the person has the opportunity to refresh, recuperate and rediscover part of our lives.

What are the common symptoms of being alone, if you are reading this book? I bet you might be feeling one of these symptoms.

- You think your problems are so unique that other people do not understand
- As a result, you feel that other people in the world has friends and you don?t
- You feel extremely self-conscious in everything you do
- You feel that when you do something wrong, you get extremely embarrassed
- When you are in a crowd, you feel drowned by their voices
- You feel disconnected with the crowd even though you are with them
- Feeling shy and scared of others
- Experiencing low self-esteem
- Feeling angry, defensive and critical at everything even if it is not directed at you
- Afraid of strangers and refuse to talk to engage in a hearty conversation
- Being convinced there is something wrong with you
- Feeling anxious and sad believing no one knows how miserable/isolated you feel
- Losing your capacity to be assertive' feeling "invisible"
- Refusing to accept change and don?t want to try anything new
- Feeling as though nothing else matters and contemplating suicide

Crowded Yet Isolated

Ever had that feeling that your wife or husband doesn?t understand you? Your spouse or significant other is right beside you yet it doesn?t fill that gap.
You may be surrounded by many people, yet their company „drowns? you deeper into loneliness!

People feel that way because we are all unique and different. You see:

There is no one in the entire universe that will have the same personality, ideas, way of life and needs like you. NONE! Not even twins! How can anyone fulfill all those needs to cater every individual?

There us a quote from the bible that says if I try to remove the speck from my neighbor?s eye, I must first remove the plank from my OWN eye then I can see clearly before I attempt to remove his speck.