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Chapter 7: Investing in Education for Your Financial Empowerment

Summary

The journey has begun sooner than you think, but it hasn't ended yet.

Investing in Education for Your Financial Empowerment

What we don't really realize is that our tryst with financial empowerment begins much sooner than we think. It isn't when we are 20 and thinking about a career; it is right when we are 3 and attend our first school. In fact, our financial empowerment begins even before that when our parents lovingly and patiently tell us what is what. All those questions, all those attempts at gathering information and, later, education, are nothing but steps toward financially empowering ourselves.

For, what is education if not a way to empower ourselves in every way, including financially?

A lot of people tap into their educational qualifications when they are looking for a job, pitching for a promotion, applying for a freelancing assignment or even when applying for financial assistance for a commercial venture. The educational qualification is a kind of abstract collateral; it is something people judge your financial worth with. If you are better qualified they know that you will keep sailing through and hence they don't mind extending a better financial help for your ventures. They don't mind investing in your ventures either because they consider you as a worthy candidate with their money.

That is the reason, it is important to learn as much as possible. After becoming the President of the United States, one of the first things Barack Obama did was to give a clarion call to his people to „go back to school'. This does not really mean physically going back to school, but it means continuing to learn something or the other as we did when we were younger.

Come to think of it, when we were at school, we would learn a new thing each day. Are we doing that right now? At school, we enriched our minds each day and became what we are today. But why has this process of 'becoming' stopped for some people? Why do some people think that their learning age has ceased? We need to educate ourselves continuously, till the last day of our lives and keep improving ourselves.

When we are more educated, we not only learn better avenues to earn money but we also learn how to manage the money properly so that it keeps growing. No form of education should be intimidating and there is no age when you cannot begin learning something.

Chapter 8: Enriching Your Financial Coffers with Recreation

Summary

How does recreation help in building your financial value? Isn't this like shattering a myth?

Enriching Your Financial Coffers with Recreation

The common mentality of most people is that when they are getting some recreation for themselves - in whatever form that might be -they are actually wasting time. They think that by giving themselves some amusement, they are actually depriving themselves of the opportunity of being able to earn something. Proverbs like "Wasting time is akin to wasting money" don't help matters one bit. But we should remember that "All work and no play make Jack a dull boy." But, is it only a dull boy that Jack can turn out to be? No, worse things can happen if you deprive yourself from proper routes of recreation.

You have to understand what recreation means first. To recreate means to free up your mind and utilize it in doing something that you really like to do. It means to unwind yourself from your daily rigmarole of work. Since our mind is not a machine, but a living organ with blood and tissues in it, it does need this kind of unwinding ourselves.

But there is a subtle point that you must understand. Every person chooses his or her form of recreation and this is most times connected with what they do professionally. For example, for a person who teaches, reading could be a form of recreation. Now, this is actually helping their profession in various ways. This person is able to expand his or her knowledge and that really helps them in their profession. For a professional sportsperson, looking at someone else's game could be recreation. Now, they could pick up various tips from that and learn.

However, even when you think there are no obvious benefits of your form of recreation on your profession, there are actually several benefits. Consider that you have a desk job. Your mode of recreation is to shoot villains in computer games. How does this help your profession? It actually does, in a very poignant way, because it helps clear the clutter of monotony that your job has created and gives you a chance to do something that revitalizes your energy. You are refreshed and can even return to work the next day in a better mood.

Remember that empowering yourself financially does not mean immersing yourself in money-related thoughts and keeping yourself there all the time. Sometimes, you have to come out of those shackles and think in a liberated manner. This helps you rethink things and you begin looking at the world with a renewed perspective.

Chapter 9: The Long Haul

Summary

Financially empowering yourself for the future - Yes, it's possible, but only if you act right now.

The Long Haul

It may not sound pleasant to a lot of us, but when most of us think of the term 'financial empowerment', they tend to think about short-term goals. They think about how they can put in efforts to achieve money in the short term, within just a few weeks probably. One of the biggest mistakes that we do is that we contract our entire lifespan into a few weeks by thinking in this manner. We forget that we have a long life ahead of us and that if you want to be really financially empowered, we have to make sure that we have enough for that period which looms ahead of us.

That is why, when we speak about financial empowerment, it is not going to be much about what you can do that can give you returns today - there is a lot of material on that already - but it is about what you can do so that you stay financially empowered for the longer term. This is actually what must interest each and every one of us. There are some very important ways in which this can be done.

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Chapter 6: Product Launch Affirmation

Synopsis

I want to be a product launch expert and make more than USD30,000 or more in my launch.

Value Brings Success

The key to having a success in your internet marketing business is providing what your buyers want. Without this, they simply won't be your buyers. To discover what your customers want, besides a simple market research, you need to construct relationships with your customers to get honest feedback. This way, it'll be more comfortable for you to provide what your target audience takes.

The common characteristic of the above items is that you will provide value to your customers without them actually paying you first. First, you give them something intangible, and then they buy from you. That simple.

Building relationships with your customers, based on trust, will urge your potential customer to talk with you, purchase from you, visit your site and tell his/her family, friends, colleagues and such about you. By supplying value and building solid relationships with your buyer you not only gain a happy customer and a sale, but as well an advocate for your business among other possible customers.

Incidentally, if you have unique, quality material on your site, you'll not only step-up your conversions, but you'll get more traffic from the search engines and incoming relevant links, as well.

Providing value isn't a simple characteristic of what you need to do. This is a principle you need to drive your business with. If your product or service doesn't deliver quality and value to the buyer, you'd rather reconsider your decision to have business at all.

On the other hand, by keeping up with the principle of providing value and using affirmations on providing value, you will be able not only to boost your buyer relationships, but also learn fresh ways of promoting your product, be it a unique benefit or other related sites, which can link to your valuable site/product.

Chapter 7: Site Traffic Affirmation

Synopsis

I want to build blogs that will have thousands of visitors.

Write Great Blogs And They Will Come

Great blog content is basically posts written and crafted with first-class quality. The post has a purpose and shares this easily and openly with its readers. Along with a purpose beneficial content includes visually stimulating material that's easily navigated by the user. Great content can include lists, images, video and a number of additional formatting techniques to spotlight your message.

Well written content is linked to, tweeted and Dugg by net users because it's useful, funny, insightful or perhaps even odd. Great content step-ups the value of your blog and likelihood that visitors will come back to see your next article.

In summary, authoring good content is your best way of bringing life to your blog through traffic and visitors.

The most ambitious part of writing good content is learning how. Discipline and effort will help you to take your time writing your finest material every time you post. Though posting often is best, authoring quality posts far outbalances quantity.

Plainly, give the readers what they want.

This is the most crucial thing to remember when learning how to author great content. Here are four points to increase your powers to provide this.

Be exceedingly useful - this means providing the resources readers are seeking

Author great headlines - look for more on this on the net

Make the post scannable - design the material in a way that readers can rapidly find the info they're seeking without having to dig through the post sentence by sentence. One way to do this is by supplying in-post navigation links.

Write in a plain, concise, conversational style - each individual has their own...

The last bit of advice for authoring good content on your blog is to center on clarity.

First of all, if readers don't understand what you write, you may as well of not written anything at all. 2nd, tell them what your going to tell them. What? This just means that your post distinctly describes its aim.

Finally, use analogies or metaphors to explain hard thoughts. Not spending enough time on getting the analogy correct can make readers more bewildered then when they began. Make certain if you use analogies, similes, or metaphors you've spent considerable time developing and explaining them.

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Chapter 8: Who People Are Looking for - Business Leaders

Summary

Most people are looking for others to lead them. If you can be a leader, you will be a very successful network marketer as well.

Who People Are Looking for - Business Leaders

A network marketer is a leader. The very fact that you are building a network means that you are guiding people who you are recruiting. You have to become more serious about this aspect. The reason for that is, in the 21st century, people are looking at leaders more seriously.

There's reason. Lifestyles have become more convoluted than they were before. A previously never heard of breed, financial managers, are become popular today. These are professionals who people are hiring in order to look after their expense and income management! It only goes to show how people are looking at knowledgeable people to help them with their financial affairs.

The same goes for businesses. Joining a large multinational company could be very intimidating, but joining the network of a single person could seem interesting to them, even if this single person is part of a big MLM organization. In the eyes of your prospects, you are someone who has already achieved success and they would like to learn from you. The new world market makes such people seem very important.

But you have to build that reputation. You have to become popular and visible on the Internet, which actually is quite an easy affair. Once you are popular, you can get a lot more people to trust you. You have to reach out to these people as well, which is possible through the various Web 2.0 devices that you have at your disposal. But, most importantly, you have to establish your leadership values by motivating and guiding them. You have to let them know that you will be there for them as well. People are looking for reassurance all the time. If you can reassure them as a stable leader yourself, they are going to trust you all the more.

Do these things and you will find your network marketing opportunity succeeding immensely even when other businesses are in the doldrums.

Chapter 9: A Home Business Opportunity You Cannot Miss

Summary

Network marketing businesses are quite special in that they can be taken global but right from your work desk at home.

A Home Business Opportunity You Cannot Miss

A very important reason why you should look at network marketing seriously right now - and why most people are taking network marketing up - is because it is something that you can do from your own home, being your boss. You are the pioneer of your network and you are its leader. The convenience of being able to run a network through the comforts of your home are unparalleled, especially in the current scenario where commuting is fast becoming the worst nightmare.

People are starting with network marketing from their home with just a desktop and a little place from where they can work. That is all you need actually because everything else is virtual. Your network is manageable through the Internet and your main office is your MLM website. Today, most MLM opportunities are allowing people to have their own websites anyway. You have to promote these websites to get your traffic come to you. Now, that is something you do exclusively through the Internet.

There is also the added security factor. When you are working from home, you are in a much secure environment where you are happy to work in. You don't have to go outside and work under the thumbs of other people. That proves to be a very great incentive for the people today.

Gone are the days when you needed to have seminars and workshops and other physical meetings to keep your network opportunities running. You don't even need to have meetings with your prospects nowadays. Everything can be managed over the Internet. All you need to have is to know the right techniques, which again aren't quite as much difficult. Once you know the ropes, you will find that network marketing is the greatest business opportunity there is, which you can do without needing to leave your home comforts.

Chapter 10: Why Network Marketing Will Stay through the Next Centuries even

Summary

Network marketing is here to stay. It is going to be here for a longinnings.

Why Network Marketing Will Stay through the Next Centuries even

The way things are going is a very clear indication that the trends of MLM are not increasing just presently, they will keep increasing in the next century and the subsequent ones as well. The popularity that network marketing has gained of late is not going to whittle down so soon.

There is solid reason for that. The only reason why network marketing persisted despite all the flak it got in its early years was that some companies were making genuine money for its recruits. These some companies kept the MLM torch burning and passed it on to us today, where we are making the use of the Internet to unleash the full potential of network marketing.

Suddenly, network marketing has become a much cherished opportunity. People on Fortune 500 lists are making their foray into this. Why? Because they have sniffed the opportunity. They are into this because they now know the potential of this on a global scale. What's more, this potential can be unleashed from a single personal computer! It's quite natural that people want to be with this opportunity right now.

MLM has gained a newfound respect and because it also brings in money for a large number of people around the world today, this respect is only reinforced. People are willingly joining MLM opportunities, and are proudly wearing badges, buttons and T-shirts proclaiming that fact. The social and other kinds of taboos that MLM had been slapped with earlier have been removed.

Even people like Donald Trump have gone on record to say that if they had to make their millions all over again, they would do so by joining a great MLM opportunity. These statements have only made people see network marketing with renewed vigor. Network marketing has gained super popularity in recent times, there is no questioning that fact, but what is quite notable is that its popularity is going to stay for a lot many decades ahead.

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Chapter 8: Investing Money

Summary

The best way to double your money is not to fold it and put it in your

pocket. It is to invest it

Investing Money

A lot of advice abounds on what you should do to invest your money wisely. But if you understand what you should NOT do with your money, you may be safer by far! Note the following 7 tips carefully.

Don't take excessively long term loans. The interest costs of a 40 year mortgage or a 7 year automobile loan will far outweigh the benefits and the value of the asset will reduce to zilch.

Don't invest in something you cannot figure out. Get an accountant to explain the fine print of the investment. If it doesn't make sense, trust your gut instinct and stay away. Ponzi schemes, pyramid rackets and fraudulent fund managers will plunder your savings before you can even say Madoff!

Don't pay an accountant more than he is worth. Is the value of the advice proportional to his high costs? Check on his credentials before shelling out hefty fees. Can't someone else do an equally competent job?

Don't invest all your money in your company shares. That's like putting your eggs in one basket. If the market hiccups and your business fails, your savings go down the drain. Keep that investment below 10 percent of your portfolio.

Never apply for more than one credit card. The craving for impulsive buying will worsen and burn a huge hole in your finances. Ensure that you repay that one card well before the last date to avoid unnecessary fines.

Don't liquidate your pension fund to finance your children's education. They can avail of loans. You won't be so lucky when you are past your retirement age. Keeping your 401K well funded allows for long-term growth. That's a thing you must be careful about.

Don't buy into investments that promise the sun. Give preference to funds that have performed well last year and give reasonable returns comparable to similar packages.

Chapter 9: Money Management Strategies

Summary

Here are some money management strategies that could turn your life in a better direction.

The moment we hear words like investment, portfolio and management many of us tend to think that this jargon is meant for the Wall Street kind of guys only.

Money management is often perceived as a boring and tedious task which concerns accountants and investment bankers more than us. But managing your own money is intensely connected to your own freedom in life. The day you look at money matters from this point of view, it all becomes fun! Let us look at 5 simple money management strategies here:

Early retirement v/s late retirement: If you plan your finances with the target of retiring early, you will be more conscious about spending and saving. This can be highly motivating and you will definitely save faster and more in a year as compared to going along to a normal retirement age.

Small income v/s Large income: A small income worker who saves diligently will end up saving more than a high-income worker who spends wildly. So don't fret that you aren't earning enough. Budget your expenses shrewdly, without a compromise on the quality of your life.

Smart worker v/s simple worker: A smart, intelligent employee will often be overconfident in his ability to go on drawing high salaries indefinitely, while a simpler worker knows his limitations and works within them. The 'intelligent' investor often gets entangled in complicated schemes that don't always yield gold, but the simple man stays on the straight and narrow path to sure gains.

Credit v/s Cash: Ensure that you pay your credit card bills in time. Falling into a chronic debt trap is the worst pitfall for your money management. For that matter pay all your bills in time, be they utility or grocery bills. Fines for delay and hidden charges will pop up and eat away at your savings.

Ant v/s Grasshopper : Setting up a careful budget and sticking to it can pay rich dividends. Also ensure that an emergency fund is gradually built up to tackle the lemons that life may throw at you. Frugal living does not mean stingy, miserable living. Budget is enough fun in your life too. Yesterday's extravagant living is passe. The new money management is fueled by 'green' attitudes and a responsible, enriched lifestyle.

Chapter 10: Money Management for the Future

Summary

Managing money is essential not just for the present, but also for the future. It is actually the future that you have to really think about.

Some day in the not so far future, you will look back at the present moment and wish you had been shrewder in your money management. Instead of looking back in anger, look forward with hope today and spruce up your money management for the future.

Foresight - Foresee your needs and provide for them. Your child's education, your family's health, a new house - everything has to be well planned for.

Health Insurance - This is a vital need today. Every member of the family must be covered by a suitable health scheme. Life insurance also provides stability for next of kin in the case of an unforeseen calamity.

Retirement Fund - If you plan to retire early from your present career, keep aside an appropriate amount toward this goal. You will be driven to save more and faster toward an early retirement, with the satisfaction of doing something more exciting with your savings.

Tax Exemptions - They can motivate you towards savings and investments that you would not normally provide for. Avoid placing all your eggs in one basket. Diversify your investments. Spreading your funds this way protects you from wild fluctuations in any one sector.

Emergency Fund - In the present recession, it is even more important to build up an Emergency Fund to cover living costs for 3 to

6 months. It is also wise to develop an alternate small business or part time career to fall back on, in the case of an impending layoff.

Savina Account - Strike a balance between preserving money for the future and having money to spend and pay bills in the present. Keep 10 percent of your money in a savings account for quick liquidity.

Don't be Swindled - Steer clear of fraudulent investment schemes. Learn how to detect them coming from a mile away and just pay no heed to them. One small impulsive decision can make you slide right down the savings ladder that you have climbed so diligently!

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Chapter 8: Your Motivations for Eating Right

Summary

You need the right motivation for whatever you do, more so if you are trying to get into a difficult healthy eating program.

Your Motivations for Eating Right

It is difficult for most people to get into a healthy eating program. You have been eating all those fried foods and pumping all those cokes and beers for such a long time now that even thinking about giving them all up can be a nightmare. In fact, most people don't think about eating healthy because of this paranoia associated with dieting. They don't think they will be able to survive it. But, of course, you need not be so excruciating on yourself right from the start. Start slow, drop one type of food at a time. You don't necessarily have to stop everything you eat if you can reduce the quantity and frequency. Alternatively, you could eat healthy through the week and have a small feast for one of your weekend meals. These are some ways to get around the confinement of healthy eating, but even so people need motivation.

Always Keep a Goal in Mind

The stronger your goal is, the more motivated you will be. This goal could be anything - you want to look better before an upcoming social event, you want to feel better, you want to become more active and energetic, you want to do things that you cannot do because of your weight, you want to keep living a healthy life, or simply that you want to show a friend who ridiculed you! The important thing is that you have to keep this goal sternly in mind and then use it as your motivating factor.

Resolve that You Won't Give Up

If you make a resolution that you won't give up, you will find it harder to deviate from your healthy eating regimen. If possible, make this resolution in front of your family or friends or the colleagues at work. This helps because whenever you are tempted to eat something unhealthy, you will remember your resolution and will stop.

Pick Up a Difficult Hobby

You could try getting yourself interested in something that is difficult for you to do at the moment, but will become easier once your body is in better shape. Swimming and dancing are good choices. These activities can keep you much interested if you try them out once, but you will need to get in better shape to do them well. The fun part is that when you swim or dance, you are automatically losing weight!

Get a Partner

This is the best motivation you could get. Get someone else with a similar problem to start the program of healthy eating with you. The two of you will be great encouragers for each other. You could even compete against each other and check out who is doing better. This helps because you are not alone in this mission; you have company.

Chapter 9: How Not to Become Obsessive about Eating Right

Summary

We must eat right, but to what extent? How far can we take this?

How Not to Become Obsessive about Eating Right

It is important to eat right, but it is also important not to become obsessive about it. That is when the problems begin.

Obsession about eating right could lead to several complications. You might get unduly stressed out several times. When you are stressed out, you release a hormone known as cortisol. This has an adverse effect on the body. Cortisol slows down the metabolic processes of the body and hence the weight problem gets much aggravated.

This is just one reason why you should not get obsessive about eating right. There is also the problem that you might be depriving your body of the required amount of nutrition by drastically reducing your food intake. You might not be getting the vitamins that your body needs to develop properly and that could lead you to problems with dietary deficiency diseases. Also, impaired nourishment may cause anorexia, a condition that can open up a whole Pandora's Box of health ailments.

Then there is the social aspect to consider. Wittingly or unwittingly, you might be tormenting other people with your food obsessions as we have seen earlier.

Hence, it is important that you don't carry your eating right habit so far that it becomes an obsession. You are doing this to manage your life, but don't let it control your life.

The best way is to treat yourself once in a while. Let yourself go on that one day of the week. Take your family along. This could be a Sunday dinner. This is the day your family knows you permit yourself to eat anything. Have a glorious meal that day, mostly as a reward for keeping up through the week. In fact, if you take this in the right spirit, every Sunday could be a sort of festival for you.

Don't stress yourself too much, and it won't become an obsession. There are several breathing and mind control exercises that you can use. Make your mind healthier along with your body. This is the best way to prohibit the stresses from ravaging your mental space. You can learn these exercises from the various fitness programs they show on television and also from several videos on places such as YouTube.

Chapter 10: Eating Right and Managing Your Life

Summary

Eat right, live well.

Eating Right and Managing Your Life

When you eat right for a while, you will find that automatically things begin falling into place. Your life suddenly becomes much better and you see that you start gaining control of it. And all this happens because you have now taken control of your eating habits.

The most important thing is that you have to stay driven. Probably you started with an 'eat right' program because you had some extra pounds in your body. Through your constant efforts, you have now managed to overcome that situation. Your body is in much better shape now. But that doesn't mean you can start going on food binges now. You have to continue with your healthy eating regimen. Only then will you experience its true effects in managing your life.

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Chapter 6: Direct Deposit

Synopsis

Many employers have direct deposit or are catching on. Even Unemployment Compensation provides direct deposit as a choice to receive benefit checks. On payday, the amount of your paycheck arrives in your account and is promptly available.

Directly In The Bank

Direct deposit enables you to handily move money electronically without mailing or signing any checks over to the bank. With direct deposit, your money seems to get to your account faster. When you utilize it for your paycheck, you won't have to go to the bank to cash or deposit your paycheck ever again.

Here's how to establish direct deposit:

Get hold of the originator of the payment. For instance, if you want your paycheck to be direct deposited, get hold of the Human Resources or the Payroll department of your company. The United States Government offers direct deposit for Social Security payments and tax refunds; get hold of them directly about this service. A few investment and insurance payments might also be directly deposited. Get hold of whoever will be paying you to ask about direct deposit.

Next complete a direct deposit form. This ought to be provided by the organization or person that is paying you. You'll need your bank's routing number, which is published on your checks or can be gotten from your bank. It might also be called an ABA number or a 'routing transit' number, and is a singular identifier for your certain bank. You'll in addition need your account number, which describes your certain account at that certain bank. You are able to have the funds set up to direct deposit into your regular checking or savings account, or establish a special account for these funds. Finally, the form might require the physical address of the bank to which payment ought to be sent, even though it will be sent out electronically. Additional required info might include your name, address, telephone number, or social security number.

Now you send off the form to the payor. Send this form back to the organization or person that will be paying you. A few in addition call for a voided check to verify that your routing number and bank account number is right. Make certain to clearly mark this check as VOID prior to sending it. A few companies might also be set up to take this data online or over the phone.

Direct deposit is a handy way to get your money. With just a couple of short forms, you are able to wipe out a lot of paperwork and fuss later on. You'll never lose a paycheck or unintentionally wash it in your pants pocket again, as there are no paper checks to be lost or stolen. The payments will be in your account without you having to make a trip to the bank to deposit the check.

It generally takes a couple of weeks to institute and is well worth the wait. All the same, you still should get a payment stub from your employer or person paying you, listing the itemized deductions for that period or the amount and intention of the check.

Chapter 7: Acquire Overdraft Protection

Synopsis

Many banks have a service where, if you run the chance of bouncing a check, the money will come from a different source. For a token fee, the bank will link your checking account to a savings, money market, or charge card so the plethora of bouncing a check will be avoided.

Protection

It only takes a moment or two to maintain the serenity that overdraft coverage can provide.

You should know however that beginning soon, banks and credit unions will no longer be allowed to bill overdraft fees unless clients sign up for the service. Do nothing, and you may have a purchase declined at the register. On the other hand, you will not find yourself burdened with unforeseen fees.

With fee - founded overdraft services, your bank will back you when a debit card buy or ATM withdrawal goes past the sum of money in your current account. Banks state this service saves clients from embarrassment and allows for a quick source of emergency money. However the price of saving your dignity can be high. As most banks bill a flat fee for overdrafts, a $2 overdraft for a cup of coffee may cost you $35. And once you've passed your limit, every buy you do might have a fee.

In the past, a lot of banks automatically listed clients in overdraft coverage. But under fresh federal rules, beginning July 1, banks will be expected to get new customers' permission prior to charging fees to back ATM and debit card overdrafts. Beginning Aug. 15, they will be banned from billing overdraft fees to existing clients unless they choose the service.

You should know that, there are other, less-costly means to avoid having your debit card declined at the supermarket, including:

Associate your checking account to a savings account. A lot of banks and credit unions provide this service for clients who have savings accounts. If you overdraw your checking account, revenue in your savings account is applied to cover the transaction. Banks commonly charge a fee to shift the money, but it's commonly $5 to $10 — a good deal lower than the fee billed by standard overdraft service programs.

Associate your account to a charge card. In this case, an advance from your charge card will be utilized to cover the overdraft. You'll pay interest — and the rate for charge card advances is commonly higher than the rate for purchases — However if you pay the balance off fast, you'll likely still pay less than you'd give in overdraft fees.

Establish an overdraft credit line with your bank or credit union. You'll need to apply for a credit line, and clients with mediocre credit might not qualify. However if you're eligible, this may provide a much less expensive sort of overdraft protection than fee-based coverage.

Establish low-balance alarms. Knowledge is the most efficient means to protect yourself against overdrafts. A lot of financial institutions will send you an e-mail or text once your balance arrives at the danger zone.

Instead, regularly monitoring your checking account will help you prevent spending money you don't have. You might want to set up an online account and review it daily. That sort of examination will bring you face to face with the realism of your spending.

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Chapter 6: The Right Mentality when It Comes to Marketing

Summary

Yes, marketing needs a mindset - a different mindset. Here is what you must cultivate.

The Right Mentality when It Comes to Marketing

Have you ever given it a thought why some marketers have a bad name? There are a lot of instances when people would say, "Ah, forget him, he is just pushing his wares." There are situations where people blankly ignore marketers. It makes you feel ostracized, doesn't it? After all, all you are doing is earning a living.

But the reason why people have this impression about marketers is not completely unjustified either. Marketers are too pushy. But when it comes to the real goods, when they have got their subscribers or customers or whatever it is they are after, they forget all of that. They are not least concerned about the quality of the product they give to their people. And the word gets around. It doesn't take time for a bad comment to go round the world. The marketer ends up with a bad name, adding to the general vibe that people have about marketers.

Now consider a good product. Think about any good product you ever purchased, online or offline. Do you think about it the same way? If you are really pleased with that product, you will actually want to know more about that company. You will be eager to know what they will bring out next. You will not brush that aside.

The crux is this - If your product is great, people won't think you are nauseating! They will actually want to speak with you, learn about your products and your business and even become your customers over and over again.

There is a particular mindset when it comes to business marketing, online or offline. And that is, you have to think about the value of the product you give to your people first. First think whether the product you are giving is really good or not. Think about the money aspect afterward. If your product is indeed good, no one can stop the money from coming in.

The best way to do this is to think whether you would want to buy your own product. Would you buy it for the money stated and still think it's a good buy? This is a good judging factor to decide the merit of your product. If you think it is a good buy for the money, your customer thinks so and they will not mind buying more from your oeuvre.

Your mindset is most important. Endeavor to give quality. If it takes you additional investment to build a better product, invest it. It will all come back to you. If you skimp on these essential things, your product will be half-baked and you will lose whatever trust you have gained in your buyer market. You don't want that. No one wants that.

Chapter 7: Ethical Selling

Summary

Ethics are highly important in the Internet marketing world. Here are the ethics that you should know and practice.

Ethical Selling

Simply put, ethical selling means selling with righteous principles. You are selling in such a way that no one is at a loss. Though the customer pays you, you make sure that they don't pay anything more than your product is worth. You don't overcharge. You deliver everything that they have hoped for. When you have all these principles pat down, you are an ethical seller.

But you need to promote your product, don't you? Selling blatantly would do you no good, but there are several soft-sell ways in which you can promote your product and don't seem too pushy too. The first important concepts that come to mind are up-selling and down-selling products. Let us see what these mean. They definitely fall within the realm of ethical selling.

Up-selling

Up-selling is when you go to buy a product and the seller tells you to go for an upgrade or go for an additional product that would complement what you are already purchasing. Like, if someone is buying a software application, you could ask them to also download an eBook that's a tutorial on how to use the product.

Now, why is this ethical selling? It is, because the person who bought the software might actually be confused about using it or may not be able to realize its full potential. The eBook might actually be very useful to the customer. You could apply this situation to other scenarios and see. In a movie hall, when you go for popcorn, they ask you to buy a Coke at a discount. This is up-selling but it does work in your favor. You would probably have bought the Coke anyway later but at a higher price.

When you up-sell anything to a customer, make sure that you are upselling something that adds to the value of what they are already purchasing. This keeps it within the domain of ethical selling.

Down-selling

Down-selling is trying to sell something to a person who is just about to leave. It happens in the physical world. You start to move out of a shop and the storekeeper tells you that he will knock something off the price. In the Internet world, when you try to leave certain websites, a popup suddenly appears that tells you they are ready to give you the product at a reduced price.

It is difficult to talk about down-selling with the same ethical flair that we use for up-selling. But it can be ethical too. An indecisive person might get a product for a reduced price which they might have come back later to buy at a higher price. Also, if the person is not clear about the product, they might be missing out on something that's actually useful to them. Down-selling ensures that they buy the product that will be of some value to them.

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Chapter 8: Healing Herbs

Synopsis

Because of Native Americans' intimate relationship with nature, a lot of therapies emphasize plants' mind-body-spirit healing potential.

Plant Life

Native-American herbalism is much more composite than herbs merely serving as a plant matrix to deliver physiologically active chemicals.

First of all, because numerous plant elements affect bodily functions and bioavailability, the total remedy is considered the active agent.

Secondly, as plants are believed to possess spirit and intelligence, they're conferred with to determine their best healing relationship with patients, and permission is obtained prior to and gratitude expressed following harvesting them.

Thirdly, involved procedures are utilized to harvest herbs, considering factors like plant part (e.g., flower, stem, root, and so forth), time or season of harvest, sun exposure, and a great deal more obscure factors.

Fourthly, native herbalists utilize plants that come up in dreams, a form of communication by which the plant's spirit may guide the healer.

Lastly, the plant's healing potency is empowered by ritual ceremony, prayer, song, or chants.

Chapter 9: Medicine Wheel

Synopsis

The medicine wheel, developing from Native American traditions, is likewise referred to as Sacred Hoop. The medicine wheel constitutes the sacred circle of life, its general 4 directions, and the elements.

Animal totems serve up as guardian of every one of the directions.

The 4 animals generally represented in this role are The Bear, The Buffalo, The Eagle, and The Mouse. All the same, there are no firm rules about which animals constitute the directions of the Medicine Wheel.

All native tribes have different spirit animals and significances of the directions, encouraging us in picking out our own. Every direction of the wheel provides its own lessons, color, and animal spirit guide.

Sacred Hoop

The medicine wheel is a symbolization of symmetry and balance. During the procedure of building the wheel you'll begin to realize what areas of your life are not in balance, and where your attending is lacking and demands centering.

Continuing working with the wheel after you built it. Sit with your wheel in still meditation. Allow the wheel to help you in acquiring fresh and different perspectives.

The medicine wheel constitutes the many cycles of life. The circle is representative of life's ceaseless cycle (birth, death, rebirth). Every stone or spoke placement in the wheel centers on a different facet of living.

A personal medicine wheel may be constructed utilizing fetishes like crystals, arrowheads, seashells, feathers, animal fur/bones, and so forth. Take time to reflect on every aspect of your life (self, loved ones, relationships, life aim, community, finances, wellness, and so forth.) as you place objects inside the circle.

A medicine wheel may likewise be constructed without the utilization of objects, merely draw out your circle with colored pencils and paper. If you have the room outside for a large scale medicine wheel and are up to the project plow ahead.

If you are able to make it large enough for you to sit inside the spaces between the spokes of the wheel after you've built it all the better!

Medicine Wheel Elements and Directions

Four Elements:

Air, Water, Fire, Earth

Four Directions:

North, East, South, West

Five Directions;

North, East, South,West, Center (Heart)

Six Directions:

North, East, South, West, Sky, Earth Seven Directions:

North, East, South, West, Father Sky, Mother Earth, Center (Self)

Medicine wheels are constructed by laying stones in a particular pattern on the ground. Most medicine wheels follow the general pattern of having a center cairn of stones, and encompassing that would be an outer ring of stones, then there will be "spokes", or lines of rocks, emerging from the cairn.

They often look like a wagon wheel lying on its side. The wheels may be large, reaching diameters of 75 feet.

Almost all medicine wheels would have at least 2 of the 3 elements mentioned above (the center cairn, the outer ring, and the spokes), but on the far side of that there are many variations on this basic design, and every wheel is unique and has had its own style and eccentricities.

The basic deviation between different wheels are the spokes. There's no set number of spokes for a medicine wheel to have. The spokes inside each wheel are seldom evenly spaced out, or even all the equivalent length. A few medicine wheels will have one certain spoke that's significantly longer than the rest, indicating something crucial about the direction it points.

A different variation is whether the spokes begin from the center cairn and go out only to the outer ring, or whether they go past the outer ring, or whether they begin at the outer ring and go out from there.

An odd version occasionally discovered in medicine wheels is the presence of a passage, or a doorway, in the circles. The outer ring of stones will be broken, and there will be a stone path going up to the center of the wheel.

Likewise many medicine wheels have assorted other circles around the outside of the wheel, occasionally attached to spokes or the outer ring, and occasionally just seemingly floating free of the chief structure.

Chapter 10: Medicine Man

Synopsis

The primary function of these "medicine elders" (who are not constantly male) is to secure the help of the spirit world, including the Great Spirit, for the advantage of the total community.

The Healers

Occasionally the help sought-after might be for the sake of healing disease, occasionally it may be for the sake of healing the psyche, occasionally the goal is to advance harmony between human groups or between humans & nature. So the term "medicine man/woman" isn't totally inappropriate, but it greatly oversimplifies and likewise skews the depiction of the individuals whose role in society complements that of the chief. These individuals are not the

Native American equal of the Chinese "barefoot doctors", herbalists, nor of the emergency medical technicians who ride rescue vehicles.

To be acknowledged as the one who executes this function of bridging between the natural world and the spiritual world for the advantage of the community, a person must be validated in his role by that community. Medicine men and women learn through a medicine society or from one teacher.

The term "medicine people" is generally used in Native American communities, for instance, when Arwen Nuttall (Cherokee) of the National Museum of the American Indian publishes, "The knowledge owned by medicine people is privileged, and it frequently remains in particular families."

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Foreword

We all understand what anger is, and we've all experienced it: whether as a fleeting annoyance or as full-fledged rage.

Anger is a totally normal, commonly healthy, human emotion. But when it gets out of control and turns destructive, it may lead to troubles—troubles at work, in your personal relationships, and in the total quality of your life. And it may make you feel as if you're at the mercy of an unpredictable and mighty emotion. This book is meant to help you comprehend and control rage.

Stay Free Through Rage Control!

Master your emotions and live a normal life!

Chapter 1: Understanding Rage

Synopsis

Anger/rage is technically not an emotion; rather it's a protective reaction to a sensed fear or threat. Let me state that again: rage isn't truly an emotion; it’s a protective reaction to a sensed hurt or threat.
Consider it; have you ever gotten mad about something that on some level didn't feel threatening to you? Somebody cuts you off, somebody tells you to do something you don't wish to do, a loved one sounds out or does something that feels controlling or simply plain mean. All of these situations may be felt as threatening. And when threatened, our inherent aptitude is to protect ourselves or something really bad may happen to us. That‘s where anger, rage and aggression come in.

Know The Basics

Once we think of anger we commonly think of the actions we see on the surface - for instance, your body tenses, you may shout, throw things or get violent. All the same, this is really more of a definition of rage than anger.

Anger and rage is not the same thing. You are able to be angry without being in a rage. Reviewing your own experiences you'll without doubt discover times where you got angry and dealt with it in an unaggressive way (e.g. Refusing the urge to hit your boss as you'd lose your job).

Anger is an emotion that's normal to all of us. Commonly, it’s an alarm that something is wrong. Utilize that signal the correct way and it may be your friend. Utilize it the improper way and its trouble. It’s good to release anger. It takes an tremendous amount of energy to hold rage inside and it may eventually lead to hypertension, diabetes, gastric reflux, heart condition, cancer and a whole cluster of additional things you likely don‘t wish to have.

Trust it or not, if you utilize anger properly, you might find that you have happier and fitter relationships. Positive utilization of anger may likewise build self-respect. If you're able to tell somebody your feelings rather than holding them inside (note - I said ?tell-not –shout), you're saying to them and to yourself, ?I'm a valuable individual and I expect to be addressed as such.

An illustration of a positive expression of anger may be that you've a friend that is perpetually late. This is really troubling to you, but you do say anything? If you don’t one of two matters will likely occur. You'll either stuff and stuff and stuff till you explode at her or you'll begin to become passive aggressive and start to make excuses to avoid her. Either way you might lose a friend.

On the other hand, If you're able to tell your friend that being tardy is hard for you and makes you feel insignificant, she might really listen, apologize, and start to arrive promptly. You might really wind up closer than you were to begin with.

The issue for many individuals in dealing with rage is that your habit (and its truly crucial to consider rage as a habit as that‘s all it truly is) is to drive right into the aggression acres. Your goal isn't to make anger disappear. Rather your goal here is to learn to deal with rage in different ways; ways that will leave you empowered rather than with the temporary fantasy of power that aggressiveness might give you.
The choice of how you respond to individuals or situations lies inside you . If your rage really was effective individuals or situations would change and we wouldn‘t keep becoming irritated at them. You can‘t control others, the only thing that you are able to control is how you deal with and express your rage.

In my experience, rage is almost like an addiction in that individuals are really creative in discovering all sorts of rationales for their rage. From time to time it’s almost as though they're in denial. Part of the reason for this is that they way our conduct appears on the inside may look a whole lot different to somebody on the receiving end of things!

Chapter 2: How Do You Deal With It

Synopsis

Rage comes in a lot of flavors. Individuals commonly fall into one of eight distinct styles of rage. Let’s take a short look at each one. Look for the one that most suits you.

Which One Are You

Dr. Jeckyl and Mr. Hyde

Dr. Jeckyl and Mr. Hyde are commonly pretty relaxed individuals till something goes wrong, and then look out! They may go from zip to 60 in the flash of an eye. They have really depressed frustration tolerances and will take out their exasperation on whom or whatever is sensed to be inducing a hitch in their lives: be it colleagues, loved ones, traffic, a lift that's slow in arriving, you name it. Frequently, when they chill out they realize that they went overboard and will apologize to whoever got on the receiving end of the attack. This might work the first time or two, but individuals frequently become alienated when the same thing occurs again and again. Frequently, they’ll see themselves as having a rage issue and vow to not react that way any longer, only to do so again and again. They frequently wish they could change, but feel themselves to weak to do so.

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Chapter 7: The Sixth Requirement – ‘Make a Commitment’

Summary

Commit yourself to be there for your customer, always. They will be more convinced into buying your stuff.

The Sixth Requirement – ‘Make a Commitment’

People who want to buy from you want to make sure that you will be there for them. They want to see your commitment. No one likes flyby purchases in which they buy something and then lose all contact with the seller. This might work if you are selling something for a dollar, but for most things that people buy today, they want to see the seller remain involved even after the sale has been done.

There is reason for that. They want to make sure that if anything goes wrong with the product, there is some remedy for that. Only the seller can ensure such a remedy. That is the reason people are promising so many money-back guarantees on the Internet today. Take a look at a sales page on the Internet - any sales page - and you will find that there is almost always a money-back guarantee. Sometimes these guarantees extend to up to 90 days. This is the period in which customers are free to buy the product, use it and check whether they will work for them or not.

You must also provide a good money-back guarantee. It should be of an ample time so that people are convinced that could nicely check the product and return it if they are not satisfied with it.

Most likely, they will never return your product. People are already very discerning when they buy and if you make everything quite clear on your sales page, they will know exactly what to expect. Be honest there, and you will have no returns of your sold products.

But what people want more than the money-back guarantee is a support system that continues after the product has been purchased. Most people aren't technical-minded and if your product requires the customer to use some kind of technical knowledge, you have to be there to guide them. You have to promise your unstinting support even after the purchase is done.

Be honest and upfront about these promises and deliver them. This ensures long term selling prospects for your business.

Chapter 8: The Seventh Requirement – ‘Keep the Interest Factor Alive’

Summary

Very few people will buy from you at the very first go. It becomes highly imperative for you to keep them hooked.

The Seventh Requirement – ‘Keep the Interest Factor Alive’

Not many people are going to buy things from you at the first instant itself. Sales page conversions will happen but they will be very low. In the offline world, it is much more likely that you have guaranteed purchases when people walk into the store, but even so when it comes to expensive things the rate of conversion is low.

So, what must you do to clinch the deal in such cases? The one most important thing you must do is to keep the interest factor alive. Some time back we spoke about building a list and trying to get it to convert. It is for people like these - the drifters you might want to call them -that you build lists. These people might purchase, but they want that push to do so. When you have them on the list, you could keep promoting to them through emails and newsletters. Remember that you shouldn't send them such material without their opt-in permission because if you do so, you become a spammer, and there's no dirtier tag than that when you are trying to something on the Internet.

But send them quality material. Send them stuff that will really interest them. Research on what drives this particular niche. They might want to know more about how-to stuff, DIY stuff, or maybe some tips and figures interest them. Whatever it is they want to know, keep giving them such stuff at regular intervals.

The idea is to keep them hooked on. These people may have become interested in what you are trying to sell when they first visited you,

but now they might be losing interest. When one of your 'meaningful' emails comes into their inbox, their dwindling interest gets a shot in the arm.

If things are going too long, you might even consider inviting them to download another eBook or sign up for another newsletter subscription for free. It works. Probably you could get another marketer to giveaway things with you. Such collaboration works in mutual interest.

People who are selling offline could also do this by announcing offers and informing people through snail-mail. But the Internet tops when you are doing such recurrent marketing.

Chapter 9: What You Can Sell and What You Cannot - Some Taboos

Summary

Yes, you can sell anything to anyone, or let us make that 'most things'. There are some things that you cannot and shouldn't sell.

What You Can Sell and What You Cannot - Some Taboos

We have been speaking for a while about how you can sell anything to anyone. Now, it is time to be upright and honest about that statement. Can you sell anything? The point we are trying to make here is that there are some things that you shouldn't sell. But, even then this works for you, because when you know what these things are, you anyway won't sell them.

Here's the list.

Illegal Stuff

Our good governments have demarcated the legal things and illegal things. We live in this society and want to prosper and become rich in it, so it is most important that you don't sell any illegal stuff. In fact, people who sell illegal stuff are stupid. They take risks without reason. You can make a much higher profit selling legal stuff because there are more buyers who will be ready to buy it. You can market much more openly. Your prospects can increase thousand-fold. The profits in rightfully operated legal businesses are much more than those made through illegal ones.