You read that right.  Free Wealthy Affiliate Membership Is Coming!  It’s NEW, BETTER, and FASTER!  Its “Real Time/ Live” environment helps newbies make money online faster.  When you get in, I highly suggest you watch the “Open Education Project Walkthrough” in the “WAbinars” section.  You will see how to use Wealthy Affiliate properly to make money faster.     (On May 1 (noon EST), 2012 “Free for 10 Days” will start.  Click Here To Get In Now With Just A Facebook Account.)

I’m going to assume you did your homework and already know that Wealthy Affiliate University is a legitimate business.  If you haven’t heard of it, it’s an active members only site with tons of resources that teaches regular people specifically about Internet Marketing/ Affiliate Marketing.  You have access to written and video tutorials all the way to live member support AND even coaching from the Wealthy Affiliate owners themselves if you need it.

It’s true.  Kyle & Carson (Wealthy Affiliate Owners), Marcus (Affiliate Manager) , and Jay (Webinar Manager) are always there in Wealthy Affiliate.  This is their full time job, unlike other product owners that just sell one product this month, another 3 months later, another 5 months later, etc.

Millions Reinvested In The All New Wealthy Affiliate

Since I started back in 2009 there has been about 2 times you could get in Wealthy Affiliate for $1.  Missed it?  Well, since then, they have spent millions of dollars completely updating Wealthy Affiliate University.  If you look here  (and you’ve seen WA before) you can see the change from the outside.  The latest update is something called The Open Education Project where things are happening in REAL TIME.  Everyone shares the latest techniques, ask any questions, share resources, etc. (thus, the name “OPEN”).

 Risk Nothing, Gain EVERYTHING

If you’ve always wanted to learn how to make money as an Internet/Affiliate Marketer here are several reasons to jump in now:

• You have a full 10 days to try and  look at EVERYTHING, including Archived Video WAbimars (exclusive Webinars inside WAU) teaching you things like:

-“Live Case Study – Watch Me Build a Niche in Real Time”

-”Ninja SERP Strategies Revealed”

-”Awesome Free Methods of Website Traffic for 2012″

-”The New World of Backlinks, 2012 Style”

-”Keyword Research Panda Style”

-”How to Recruit Local Marketing Clients”

-”Google Top Rankings with WordPress Express.. Ninja Strategies”

…and over 60 more…AND COUNTING!

No Money Needed to check these out.   You get a mini FREE WEALTHY AFFILIATE MEMBERSHIP!!!

I’m excited and I’m already inside:)  I know how it feels to be you….Skeptical, wondering if Wealthy Affiliate will help you make money, do they really help everyone, are the webinars any good, etc

Well, it doesn’t matter what I or anyone else say about how Wealthy Affiliate has helped them because all that matters is if it helps YOU, whatever your goal is.  Check it out, and you decide.

• INSIDE INFORMATION: Sometime in May, entry into Wealthy Affiliate will change.  Anyone wanting to get in will have to find a current member to get in.  From then on it will be “Invitation Only” indefinitely.

What this means for you as an affiliate of Wealthy Affiliate (if you become a member) is that when you advise your readers that it is on an “Invitation Only” basis, they will very likely use your affiliate link.  It is VERY EASY  to get your links out there on Facebook and Twitter.  Just go to “Share Wealthy Affiliate” > “WA Shoutout – Get Paid to Share Quality Content” when you get in for the instructions.

I’d like to help you anyway I can to make money online because I want you to experience what it’s like to work because you WANT to and not because you have to.  That is the way to live life.

One thing I’d like to do is give you something for coming inside as my guest.

• Thank You BONUS: I’ve been where you are right now and I appreciated when a WA member gave me a bonus when I joined through his recommendation.  I’d like to do the same for you whether you become a member or not.  NOTE:   BONUS ENDS: MAY 31, 2012

When you come inside Wealthy Affiliate through this Invitation Only Link, type in the following in the search bar (at the top of the site): “@SquidooSlfMstr.” Click “Private Message” at the top of my profile area.  Send me a message with  the Subject Line “How To Sell More Automatically Bonus.” 

I look forward to meeting and helping you anyway that I can.  See you on the inside!

Charlie

PS  FYI- You will need a Facebook Account to get in for free (this is to speed up the sign up process and verify you are a legitimate person)

Get In Wealthy Affiliate University for FREE Here  After May 1, 2012 (noon EST)

What are the mega millions best numbers?

This is a hot question since the latest Megamillions Lotto jackpot is half a billion dollars ($500,000,000)!  Before I share 3 simple number picking tips from the author of Learn How To Increase Your Chances of Winning The Lottery, it’s important to keep you from ruining your (financial) life.

I do feel your hope, your “what if” thinking, and all that stuff that’s symptomatic of the “Vegas bug.”  But, be SURE you do not risk your grocery money or rent money for financial freedom.  I guess it’s OK if you view it strictly as ENTERTAINMENT.  If you agree, read on for the 3 simple simple tips to picking the Mega Millions best numbers.

As you know, when you play a game of chance (1 in 175,000,000 in this latest $500,000,000 Lotto Jackpot), “best” should be taken relatively.  If you pick the “best numbers” you might increase your chances, for example, to 1 in 174,800,000.  It’s better (in terms of statistics) than the original odds, but still a long shot.

So, with that said, let’s turn to someone who has LOTS of experience with Lotto Jackpots.

This person has won not 1, not 2, and not even 3 Lottery jackpots, but 7 Grand Prize jackpots!

According to Richard Lustig, here’s his strategy to picking the mega millions best numbers:

*Do not pick all odd numbers or all even numbers
*Do not pick numbers that line up diagonally or form patterns on your lottery card
*And check to see if your numbers have been drawn before.  If so, do not pick them.  (you can go online to check previous winning numbers)

Watch This Video For More Tips On Increase Your Chances To Winning The Lotto Jackpot

[YouTube:http://www.youtube.com/watch?v=hcRGCCg40ws]

Black Friday Make Money Super $1  Entry – After Thanksgiving brings out some crazy retail sales.  But what if you could learn to make money during all this Black Friday craze, all at a STEAL (literally)?

Gain Financial Freedom dot Org is focused on becoming financially free so we love it when there’s Black Friday Make Money Sales we can take advantage of.  If you can build  “money making machines” first and let that buy your consumables, you will become financially free.

Wealthy Affiliate University Let’s You Access EVERYTHING (including the bonuses like “Who Loves Money – Zero Investment Marketing Techniques“) hidden in the “Getting Started” menu) … For $1 !!

Starting Black Friday, November 25, and lasting through November 28, 2011, Wealthy Affiliate University (WAU) will have their Black Friday $1 “Crazy Access” sale.  (if you haven’t heard of Wealthy Affiliate University, it’s an online, learn at your own pace, everything internet marketing, members only site)

They will give you FULL ACCESS to ALL their tools, videos, WAbinars Archive (Wealthy Affiliate webinars), tutorials, forums, and coaching!

This is exactly what $97 and $47 / month members are paying for… BUT YOU GET IT FOR LESS THAN A HAPPY MEAL! —–$1.

This is the exact deal that got me in but it was only for 1 week access.  This offer gives you full access for 1 whole month!

No obligation.

Quit if you want, or stay a member at the $47/month rate if you see the value you’re getting.

This has never been offered before and Kyle and Carson, owners of WAU, says probably will never be offered again.

Skip that Coke, drink water for one meal, and spend that $1 on a potential career changing opportunity, or even just a side business opportunity.  Actually, it could change, and has changed, lives.

Wealthy Affiliate Success Stories.

Black Friday Make Money Offer – Get In Wealthy Affiliate University For $1 Between November 25 – 28, 2011 – Click Here NOW To see What You’ll Get!

FAQ:

Is Wealthy Affiliate safe?

It is VERY safe.  I first became a member in 2009 during their $1 trial.  Then I tried to study all the material on my own but had questions so this made me come back and I’ve been a member since then.

In fact, it’s not only safe (a real business), but they keep adding new stuff in WAU.  And, I am locked in at my original membership even after all the additions.  Very happy with that.

Is there a Wealthy Affiliate deal?

The last deal was the “Throwback to 2005″ deal where people got in at 2005 prices when it was just basically a keyword research site.  Now with all the additions they have raised the membership price to $47/month for Gold, and $97/month for Platinum.  They lock you in at your entry price if there is another raise.

This $1 FULL ACCESS deal for 1 month is a No Brainer! Just get in, take a look at what you get, and you will be blown away.  I guarantee you will be OVERWHELMED with all the tutorials, the tools, the videos, the forum post, etc. that you won’t know where to start.  There is simply more than you can handle in Wealthy Affiliate University.

Is Wealthy Affiliate gold membership enough to succeed?

Yes, the Gold Membership is enough to succeed, IMO.  The most valuable thing is having access to coaches because I’m almost sure you will have questions.

Click This Between November 25 – 28, 2011 An Get In With The Black Friday $1    30 Day Full Access Peek-a-Boo Offer

Post by Guest Blogger Ireniya Davis

Mortgage payments – The tips on paying it off fast

Paying off your mortgage fast – is that at all possible? Yes, it is possible considering the fact that you have the affordability to make the payments. The truth is, the higher your affordability, the faster can get the mortgage pay off process. Irrespective of the fact that you had taken out an online mortgage or an offline one, you can save money on your mortgage payments if you pay that off fast. Mortgage like any other kind of debt accrues interest and so if you pay off the debt fast, you may be able to save money on that.

Tips on fast mortgage pay off

The tips that can help you to pay off your mortgage fast enough are:

1. Check with the interest rate – You will have to first check with the interest rate on your mortgage so as to find out how high the interest rate is and if it is at all affordable for you to try and quicken the mortgage pay off process.
2. Check with your affordability – Other than checking with the interest rate on the mortgage or your home loan, you will have to check with your affordability. Only if you can afford to make large payments, you should opt to pay off the mortgage faster than usual. Moreover, if you determine your affordability, you will be able to plan the payments and talk with the lender in that tune.
3. Use a mortgage calculator – You can use a mortgage calculator in order to find out how much you will have to pay against your home loan. You can also adjust the payment amount in the calculator in order to find out the time within which you would be able to become free of the mortgage debt. Based on that and your affordability then you may be able to start with your payments. There are various websites that may provide you free usage of a mortgage calculator.
4. Plan on the payments – After deciding on the affordability and the payment amount, you will have too plan as to how you are going to make the payments and the number of payments you are going to make against your home loan.
5. Talk to the lender – You will have to talk to your lender in order to get the payment agreement done and find out if you will be required to pay for the pre-payment penalty if you pay of your mortgage early than usual.
6. Check with the status on credit report – After making each of the payments it is important to check with the status of your mortgage. This is important because, the payment may not get updated and this can even hurt your credit. it can also result in higher home loan debt amount.

This is the total Internet Marketing Course For Beginners and I know you will love it because it not only breaks down your learning into 12 lessons (which can be learned at your own pace), but :

• It’s FREE
• There’s NO Download, and
• You get Immediate Access

So, click the image to get your first lesson on how internet marketers make money – I have to warn you though, it can be addicting

Internet Marketing Course – Beginners 12 Lesson Plan

This is a jam packed Internet Marketing course beginners will find filled with actionable steps.  For the complete newbie, there are a lot of concepts and new vocabulary to take in.  But, this is like any other new skill and there is a learning curve.  Take your time, do it over and over, and  I guarantee things will start to make sense.

This is free online marketing beginners can can supply (for a fee) to business owners that do not want anything to do with the internet.  So, this is a valuable skill you’re going to learn, whether its for personal use or professional use.  In my opinion, it’s a great free internet marketing course for beginners!

Wealthy Affiliate Sale going on right NOW! (UPDATE: 2005 Price No Longer In Effect)

Aspiring Internet Marketers, Stay at Home Moms, Entrepreneurs, Existing Business Owners…. everything necessary to succeed online is at your finger tips in Wealthy Affiliate University (WAU).

Now, WAU promotions come around once or twice a year.  And, those are usually trials which mean you will have to pay the normal full $47 or $97 a month rate after the trial expires.  But, you have come across a damn good deal if  you’re reading this.  Here’s the “411.”

Wealthy Affiliate’s sale is called “Throwback To 2005″ because they are allowing new members, current members, and ex-Wealthy Affiliate members to get in Wealthy Affiliate at 2005 prices!  That’s .99 a day (one payment of $359.88 for 1 year)…. AND this includes:

• September 14th, 2011: The Domain Business – Earning money with domains (ALL DAY) – Live Training Discussions with Kyle & Carson

• September 16th, 2011: Keyword Research Google Panda Style – Live Video Training

• September 21st, 2011: Advanced Hot Niche Finding Techniques (ALL DAY) – Live Training Discussions with Kyle & Carson

• September 23rd, 2011: Advanced WordPress Strategies- Live Video Training

• September 28th, 2011: Everything “online” Chat – An open talk about earning money online (ALL DAY) – Live Training Discussions with Kyle & Carson

• September 30th, 2011: Website Hot Seats – Live Site Evaluations – Live Video Training

…. and over 500 resources accessible whenever you want!  The time to learn and earn is NOW!

Plus, if you’re not directed to the “Getting Started” area  after signing up, go there by clicking the “Getting Started” tab on the menu.  They also have an undisclosed bonus for members only:  “Who Loves Money: Free and Low Cost Marketing Strategies” and “Inside The List”

Wealthy Affiliate Backdoor Entry

As a current member, I will give you my (short) list of Wealthy Affiliate University complaints. You may be wondering, then, why am I still a member?  Because I weigh the good with the bad, and as long as I’m getting more value in education and tools, I’ll remain a member.

Wealthy Affiliate University Complaints

Now, I’ve had over 14 months to use Wealthy Affiliate’s resources and I still have no clue how to use half the stuff (yes, it’s BIG inside).  But, from what I’ve used, here are the things that I don’t like:

• Hosting – if you create your own website, this is where your files will be stored.  This is out in cyberland so people can access your website 24 hours a day.  You get Free hosting as a Wealthy Affiliate member, but my experience is that it is down more than I experienced at other places.  And, as a website owner, this sucks!  If your site is not accessible, it CANNOT make any money.  I would rather have HostGator if I had a choice, but I don’t want to pay for more hosting.  That being said, this site is on Wealthy Affiliate’s Hosting so it’s frustrating when I can’t get to my site and update it when I want to.

• The site times out after a while – this is a major complaint because when you use the Rapid Writer Tool, for example, and you’ve been writing for 20 minutes and click “Save Article,” you would think your article got saved.  When you have to log in again and you go back to your article, you’ll find that IT WASN’T SAVED!  If you use this or any other writing tool, SAVE OFTEN!!!  (The Rapid Writer tool is  where you can write articles while keeping track of keyword density, do some minor spinning, and keep all your articles organized in categories/campaigns)  UPDATE: it seems to be OK now but I still save often to be safe.

These are my (and other member’s) Wealthy Affiliate University complaints.

Some FAQs:

Does Wealthy Affiliate have everything a newbie needs to make money?

ABSOLUTELY.

Will you make money?

IF you actually do things, use the coaching, ask them questions, and not quit when you encounter frustration (which you will).

Will you make money in 30 days?

It depends on your current skills, your current assets (such as a web property, or the size of your network, etc.), how fast you understand new things, and how consistent you work at it.

Here’s a gauge to see how much you know.  If I told you to you had to apply to an affiliate network, would you understand what I’m talking about?  If I told you you will submit an article to an Article Directory, would you know what I’m talking about?   Do you know what an anchor text is?  Do you know what a wordpress plugin is?

Now, I know this is the reason why you’re considering Wealthy Affiliate University, but if you did understand all that, then you will be able to read through the instructions once and implement it right away.  For the extreme newbie, you might have to read through it several times and ask questions before you implement it.

What have you accomplished as a Wealth Affiliate member?

• I have got this site ranked to #1 with over 4 million competing pages for the keyword “gain financial freedom” and “how to gain financial freedom” (#2).  And it took about 6 months because I only work on it when I feel like it:(   …like once a week, give or take.
• I have been approached (through email) by people that want to write for my blog since it is ranked high.
• My ad sense has been passively making about $9/month.
• I have just rented out one ad space for about $12/month.

Now this is nothing to brag about but I am ecstatic to making progress with PASSIVE income.  You can definitely go the active income route and sell your services for more money if you want, but that’s not why I got into this.  Internet Marketing skills are definitely in demand so you will have a valuable skill set that you can monetize.

• I created another (free) site where I got my first $50 commission!  That was my targeted promoted product.  But, the side benefit is I made a little commission on a different product because it was purchased at the same store:)

But, I think THE most important thing I’ve accomplished has nothing to do with money.  I’ve found something I enjoy doing.  I am living my dream NOW rather than waiting until “everything lines up.”

If you’ve been always wanted to learn internet marketing, GO FOR IT NOW!

Live NOW,

Charlie

Did you know you have a money making idea?  You do.  We all do.  But, here’s the money making ideas secret that keeps you and millions of other people from turning that into real money (we’ll get to a video in a second).

Here’s a question for you.
How can you guarantee that your ideas get manifested?

Easy.  Make sure you get it out on-time and on budget.  How?  When you run out of time or run out of money, you make it available to the market place.

Now, that will guarantee that you will always get it out on time and never go over budget, but doesn’t guarantee you’ll make money.  But, the more important meaning is that you WILL deliver your idea to the market and at least see if it’s a failure or success.

Operating with this kind of certainty makes delivering your idea an obligation.  And now, all your future work will revolve around this obligation.  Pretty simple if you think about it.

If you worked on an idea (or many ideas) but never got to the point of “shipping it” (because someone or something told you it wouldn’t work), you need to watch the video.  Hint:  the cause has to do with a tiny part of your brain called the Amygdala, also known as the Lizard Brain.

Enjoy the video!

So, before you leave, remember this one thing.  “Shipping” is the money making ideas secret.

Here’s a short post (and you’ll see why) to How To Write An Effective Article Online.

With a million other blogs and articles to read, you need to get your point across at lightning speed.  So, here’s some secrets to writing effective articles, blog posts, etc.

• express one idea per sentence
• write so that a 7th grader will understand
• help the reader get away from pain
• help the reader get closer to pleasure
• repeat what you want to reader to take away

Bloggers – read Seth Godins blogging tips.

Online Marketers that can’t convert visitors into money – read David Bocock’ Persuasion Article Writing Secrets (P.A.W.S.)

That’s it, now go!

The more traffic your webpage gets, the more chances you have making money, right (assuming you’re monetizing it somehow)?  So, in this blog post “How To Improve A Website – 3 Easy Things You Can Do Right Now” I will show some easy things that can only make your website better, period!  And when I say better, I mean making it more appealing to Google so that it improves your search engine rankings and/or make people find you easier.  OK, here we go.

1. Add Pictures – adding pictures accomplishes 2 things, IF YOU DO IT RIGHT (and 1 thing, if you don’t).  The first thing it does is make your webpage more appealing to your visitors.  And here’s a bonus tip: Use the picture as a reference and you will keep your visitor engaged longer, which is what Google loves to “see.”

For example, if you’re using a Firefox or Opera browser hover over the image below and read the message that comes up.

The second thing images do is give the searcher another way to find your webpage, IF you do the following.  Put your keyword in the <img> tag alt attribute.  If you use WordPress, there is a field box called “Alt” that you can fill in when inserting an image in a post or page.  Simply type in your keyword and the word “image,” “photo,” “picutre,” or whatever you feel is appropriate.

Images get indexed by Google too and it just might pop up if someone is using image search.  If you know HTML, here’s what I mean by putting your keyword in the alt attribute:

<img src=”The URL Where Your Image Is Located” alt=”PUT YOUR KEYWORD HERE” />

2. Add  Video – staying on the subject of engaging your visitor, what better way to do this than with videos?  People love to watch videos.  So, simply put a relevant video on your webpage and tell the visitor why they should watch it.   If you don’t have a video, borrow one from YouTube or some other video sharing site.  Most of you know how to do this already, but for those that don’t, I’ve attached an image below to show you how to embed a video on your site.

3. And the best way to improve your website is go to sitefling.com.  From making your site look nicer, load faster, get more traffic, and, of course, make more money, Justin and Chaunna Brooke do it ALL.  Watch the video, then see how sitefling.com will improve your website.  (I met Justin in a members only site, and he was very helpful when I had questions.  And, he does this for a living so he knows what he’s talking about…so check out his site now).

The Million Dollars a Week Experiment Said You Can Make Money Online From The Comfort Of Your Home

Have you seen a website that said you can make money online at home, in your pajamas, by just clicking your mouse?   

There are so many sites that claim that you can make ridiculous amounts of money.  Example: What if I told you you could make a million dollars a week on the internet by going to a site that has over a million visitors a day by doing something really simple?  Would you buy that course if it was just a one time fee of a $150?   Well, the price and method is made up but there was such a site that made this claim.

Take a wild guess as to how many people actually wanted to buy this course?

Now, read down to about the middle of the following blog post to find out how many people wanted to buy this course (in one day).  If you’re looking for ways to make money online at home, I think you can save a lot of time (and money) by reading this blog post: 

 http://Gainfinancialfreedom.org/fake-site-experiment

If you think you need help with credit card debt, pat yourself on the back!   Psychologists say you have done the toughest part.  Cliche as it may sound, admitting a problem is what ultimately led you to this page.  And you will get 2 proven solutions because you wanted to help yourself.  These programs combined have literally helped over 5 million people experience a debt free, less stressful, life.

Look What You’ve Accomplished Already!

Ask yourself, did you think of your debt situation as minor, and that you’ll get serious about your finances soon?  And the debt only grew?  You’re definitely not alone.  This “I’ll address this later” attitude is how people keep digging themselves into deeper and deeper debt.

They can’t see that there is a problem growing right under their nose and that it needs to be addressed now.  You, however, have realized that you had enough of this B.S., and that is a big accomplishment!

You Have To Hand It To Those Marketers

I don’t know how you got yourself into debt but chances are you were young when marketers lured you in.  When you’re young, there is no sense of responsibility yet.  The typical thinking is “live for today” and we’ll worry about tomorrow when it comes.

I mean what would any kid do when they can have $3,000 at their disposal, right now?  To that young college student, that means getting that swag outfit,  going out to dinner with friends, and throwing that 5 keg party every weekend, complete with live music.  All that cost money… money they don’t have, except for that conveniently placed credit to their name.

Can You Imagine Life Without Credit Card Debt?

Your decision to help yourself get out of credit card debt means you will save hundreds, if not thousands, of dollars in interest just by the mere fact that you do not have debt.  You won’t be working to make the bank rich (with  interests payments) but rather building wealth for yourself. And how would it feel if you never see that statement every again saying “you OWE US $____?”  It’s time to FREE yourself!

Easiest Thing You Can Do Right Now Is Stop Getting Into More Debt

How can you stop accumulating debt?  Simple. Pay cash (sort of, as you’ll see).

You’re probably wondering what about the times when I can’t pay cash, i.e. when making phone orders or online purchases?  VERY simple.  Ask your bank if they have a check card.  It acts just like a credit card but without the possibility of going into debt  IF you set it up right.  Set it up so that you DO NOT have overdraft protection.  This is a “mechanical” means of NEVER going into debt.  Fees are normally minimal or even free.

Your card should protect you from unauthorized transactions if you ever lost or stolen.  Report it IMMEDIATELY if either occurs.  This helps your defense if the criminal cleans out your checking account.

If you have a lot of money  in your checking account and do not want to take chances with unauthorized withdrawals, you could get a RushCard, which is also a debit card.

However, you can keep most of your cash safe by loading up this card with only a small amount of money.  This way, if you lose the RushCard, the thief will only have access to a small portion of your account, and not your whole checking account.  You have all the benefits of a credit card without the risk of going into debt.  Apply for a Visa RushCard -even if you have imperfect credit.

If You Need Professional Help

Once you have stopped going into more debt, it’s time to get rid of your existing debt.

Solution 1: If you are a do it yourself (DIY) person, there is no better person to motivate you, give you a debt destruction plan, and offer you life changing wisdom than Dave Ramsey.  His  Total Money Makeover tells you not only how to get out of debt, but STAY out.  If you are sick of being a slave to a lender and are self-motivated, then this book will give you the plan and encouragement needed to become truly financially free.  It’s all DONE FOR YOU.  It’s simple and effective (because it is fueled by emotion).  After all, IIIIFFFF we were logical creatures (and not emotional creatures), we would not be in debt in the first place, right?  $16 is a bargain for what it gives you.

If a book does not work for you, you can try a professional human being (see next solution).

Solution 2: If you have multiple debts and want to consolidate them and work with a human being to discuss your personal circumstances, watch the video to hear how Consolidated Credit Counseling Services, Inc. helps its clients.

See what Consolidated Credit Counseling Services can do for you – FREE Consultations Now

The avenue to wealth in tough times call for some refocusing on certain areas in your financial life.  Here’s the situation.

The government has financial problems (in case you didn’t know).  Their bills are more than what’s coming in.  What are they going to do?  It will be a combination of cutting their expenses, i.e. reduce social security payments, medicare costs, welfare, etc. and increasing their revenues, i.e. tax you, borrow more money, etc.

Their irresponsible financial decisions will affect you one way or another.  Whether it’s the unstable economy, less entitlement handouts, or more taxes, there is no greater time to start focusing on being self-sufficient, independent, or otherwise insulated from your governments.

You can pay a little more attention to personal expenses, you can teach your kids (and yourself) to be financially literate, and you can do things to keep the government hands from picking your pockets (lower your taxes).

So, here are some tips to get you going to creating wealth.

“Avenue To Wealth” Tip 1

This tip has got to be the most powerful tip for a kid (or even an adult) to see.  It’s simple financial intelligence.  And, this goes to show you that in order to build wealth, you do not need a lot of money to start with.  Try this yourself: double $10 until you reach a million dollars and count how many times it took.  Now, double $100 until you reach a million dollars.  Notice the $100 turned into a million ONLY 3 times faster.  This goes to show you that the amount of money you have to start with has very little effect on whether or not you become a millionaire!

You just need to realize that the real power comes further down the “doubling” road (as you’ll see in this video).  So, DO NOT ruin your ticket to financial freedom by spending what you’ve built half way through your plan.

Watch the video to see what I’m talking about.

If you’re going to build wealth in good times or bad, you need to incorporate (right now) the POWER of compounding.

You might have already heard about the story of the red paper clip, but for those of you who didn’t, it is a perfect example of how you can build wealth with practically nothing, IF YOU EXPLOIT THE POWER OF COMPOUNDING.

The story was about a young man who found a red paper clip.  He built a story around that red paper clip telling his (website) visitors that he was planning on trading up this paper clip.  It had great potential of becoming popular and, thus, more valuable than just it’s initial cost.

What he did was bartered with others and finally traded it for a pen (I believe.  The items are not important, but the lesson IS).  Then, he bartered more and traded the pen for a cup…the cup for a canister…the canister for an electric clock…the clock for…

Well, you get the picture.  He caught the attention on some talk shows and made guest appearances.  This popularity put his little town “on the map,” as they say.  The town benefited from all this publicity.  Soooooooooooo, what did he get from reinvesting the items he had (at one point, he had a snow mobile worth hundreds).  Did he cash in that snow mobile and spend the $900?  Nope.  He kept reinvesting it.

Here’s the jackpot:

The city gave him a HOME where he could live rent free…all from a little red paper clip!

“Avenue To Wealth” Tip 2

This tip relates to personal expenses.  And, before you discount this controversial subject, I urge you to be as objective and fair minded as possible.

Paying for an advanced degree, i.e. Masters Degree, may be a BAD investment.

You read that correctly.  According to an article found in Forbes Magazine (Special Issue: 2011 Edition), although that degree will probably translate into a high salary, it also comes at a HIGH COST.  Cost such as a high tuition (often paid for with debt), plus a year or more of lost earnings.

The article goes on to show you how a hard working Medical Doctor will only make slightly more spendable income than a plumber over their lifetime.

Averaging data from different states, the article says a doctor’s peak earnings would be about $185,900, and the plumber’s $71,700.  After factoring in the actual  earning life of both professions (since doctors must go through more schooling and residency) and related expenses, you’ll be stunned at the net results!

Since the doctor also must spend more money in tuition, student loan interests (unless you’re wealthy to begin with), and income taxes than the plumber, the net result is that the doctor will come out with only $500 (adjusted for inflation adjusted) more a year of spendable cash  during his/her adult life than the plumber!

Pursue your education if you love studying the subject, and NOT FOR MAKING GOOD MONEY.

“Avenue To Wealth” Tip 3

Homeowners, here’s how you can possibly find hundreds of dollars… by challenging your property tax.

Depending on which state you live in, experts estimate that 30%-60% of tax assessments are OVER-assessed.  Middle- and lower- income taxpayers are the most over-assessed.  The sad thing is that only about 5% actually challenge their assessment.  Just by doing some homework and some preparation, most of the challengers won at least a partial victory.

Property tax assessors are sometimes just part-timers with little training.  These folks do a lot of guesstimating that give your property an inaccurate value, thus, over-assessing your property tax.

Watch this video for tips on what you can do to save hundreds, or even thousands on property taxes:

“Avenue To Wealth” Tip 4

Also relating to personal expense for parents, as well as kids funding their own education, is the fallacy of prestigious degrees.

Degrees from big name universities are NOT necessarily valuable.

The reality is graduates do well in life because of talents, skills, work ethic, ambition, initiative, and the like.  All this can be picked up outside of a prestigious (and expensive) classroom.

A strategy offered in the same Forbes article mentioned above is to have your child attend 2 years at a community college and then switch to a state university.  This will literally save tens of thousands of dollars.

Cheap Colleges

Beerea College

Cooper Union

Deep Springs College

U.S. Military Academy

“Avenue To Wealth” Tip 5

With the world being electronically connected, markets have become more volatile than ever.  Bear markets, like the one in 2008, have become vicious.  Sideways markets have lasted longer.  It is critical to your investing success to find a trading system that is comfortable for you and one that you believe in.  It needs to make sense to YOU so that you can take gains and losses without hesitation and second guessing.

Usually, this calls for a system that leaves the guess work out and the only way to do it is through a mechanical trading system.  The system needs to be one that, once learned, you can trade on your own.  Independence is what we want, right?

There are many proven trading systems out there, but the weakest link to any system is the trader.  Since investing is a marathon and not a sprint, you will get the best results you possibly can if you align yourself with a comfortable strategy.

I must emphasize again, it is important to be comfortable and consistent because if you are not in control of yourself, no system will make you money.

Financial security will come to those that take responsibility of their future.

Pitbull Investors use only 5 rules to keep things simple.  They spend no more than 30 minutes a week looking for trades which give them time to enjoy other things in life.

So, there you have it.  Five “Avenue To Weath” tips that should come in handy sometime in your life.  Take responsibility for your future and wealth is sure to find you.

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Initial photo courtesy of FreeDigitalPhotos.net

When you go shopping for a car, do you compare just the purchase price and fuel economy?  Most of us do, and that’s very smart.  But, not many of us consider another cost that recurs month after month…Insurance.

Think Before You Buy

If you are ready to buy a car, hang on just one second.  Your decision today can save you thousands tomorrow so take a look these tips first.

Car Insurance Tip 1: If your car will cost a lot to repair in your town, the insurance company knows that.  And, guess who pays for those costly repairs?  That’s right, all owners of that kind of car.

So, wouldn’t it be great if you could get access to comparable information before you commit yourself?  You could pay for comprehensive data  reports, or be fine with general, but free, data.  There is a pretty good insurance comparison tool over at insure.com that compares annual premiums for different vehicles based on a hypothetical policy.  You can get a comparison of premiums here.

Can You Improve It?

Car Insurance Tip 2: You’ve probably heard of credit scores affecting everything from employment to getting an apartment to interest rates you pay on a loan.  Well, some car insurance premiums are affected as well (each state determines what insurance companies can use to determine your premiums).  So, if you can, do what it takes to improve your credit score and be rewarded in more ways than paying lower insurance premiums.

Help Them Save Money

Car Insurance Tip 3: Every time someone is needed to send out your bill and process it, it cost the company money.  If you can set up an automatic payment plan, they might give you a slight discount for doing that.  Plus, it saves you (and them) the hassles of dealing with late payment fees.

Similarly, if you insurer multiple cars with a company, all the billing can be taken car of one time.  This translates into saving the company time and money, which should translate into a “Multi-Car Discount.”

What’s The Point Of Saving Money?

There are a million and one ways to save money.  But, ask yourself why are we saving money in the first place?  For a lot of us, it’s necessary to make ends meet during tough times.  Saving money is great, but eventually there is only so much money you can cut.  And, when you reach that point, the only other alternative is to work harder.  But, there is an inherent problem.

There’s only 24 hours in a day, and you will eventually run out of hours (if you haven’t already) to keep up with rising expenses.  So, what do you do when you’re already working too many hours, or worst yet, can’t even find a job in this bad economy?

I see no other alternative but to learn how to create money on your own.  They say real estate can be your ticket to financial freedom and can even be done with no money down.  I believe that.

But, there is an easier and less riskier way to create money with ANY budget.

That way is to MAKE YOUR MONEY ONLINE.  It is way superior becasue:

• you have leverage without having to go into debt
• you can work when you want to
• you can start for FREE
• you don’t have to travel one bit
• you can work anywhere there is an internet connection
• you don’t have to deal with customers if you don’t want to
• There is no building to maintain
• …and TONS more you can add on your own (just think what you’ll need and have to do to become a real estate investor, or to get a brick and mortar business up and running, and you can come up with a whole list on your own)

Whether you’re investing your retirement money or your discretionary money in the stock market, you obviously want to make that money grow.  So, after over a decade of experience, here’s a tip that will make the stock market for beginners a lot less stressful in terms of losing all that money.  THIS WOULD HAVE SAVED ME OVER $10,000 so please heed this tip and save yourself psychological damage and lots and lots of money (and time).

A Little Something An Ex-Hedge Fund Manager Taught Me

I’ve been subscribing to an ex-hedge fund manager who has well over a decade of experience in the markets.  To his credit, he has lived through watching $15,000 turn into $50,000, back down to $7,000, then up to over a $100,000.  That’s some serious experience if you asked me.  He has also called the last (vicious) bear market beginning in 2008, so I respect his stock trading skills.

However, he has researched stocks that looked technically and fundamentally PERFECT, but, to his surprise the stock actually went against him.  The fact is, NO ONE knows what kind of events will take place that will affect the price of a stock!  VERY IMPORTANT LESSON: Even Pros pick the wrong stocks. This leads me to my tip.

A Simple Tip That Will Save Your Life

EVERY SINGLE TIME you enter a trade, place a stop-loss order at a point you feel the stock shouldn’t dip below (or above if you’re going short).  You do not want to get trapped with a big loss because the bigger it is, the harder it will be to sell.  Like William O’neil says, think of the small loss as insurance to avoid a financial catastrophe.

There are different methods of determining where your stop-loss should be placed and it’s important you find one that you are comfortable with.  Some traders use a multiple of the ATR (Average True Rang) or the level of the latest support, but what ever you decide, enter a stop-loss ASAP.

If you’re a TDAmeritrade client, use what they call conditional orders.  It’s basically when one order is executed, it triggers a second order or a series of orders.  So, for example, you can set up a conditional order called OTA (One Triggers Another) where you place a buy order to buy 100 shares of stock XYZ at $10.00.  At the same time you you place a sell order to sell 100 shares of XYZ at $9.25.  Now, when your buy order is executed, your sell order will be triggered and automatically be sent to your broker .

Learn The Easy Way

The stock market for beginners can be costly.  Surviving the markets should be your number one concern because I’m guessing you’re planning on using that money (in your account) some time.  You don’t want find yourself in a 3 year bear market with no money to invest (to lower your cost basis if your dollar cost averaging).  And worse yet, a market that goes sideways for 15 years.  You may have that kind of patience but I’ll bet you’ll need the money right when your once $500,000 account drops to $200,000.

Learn the easy way (from other people’s mistakes) and protect yourself from catastrophic losses and use a stop-loss order at all times.

Photo courtesy of YoTuT

Almost Half Of Your Trading Success Depends On…

Why is it that only 5% of stock traders make great returns while he rest of us lag the market, or worst yet, lose money?  Is it a robust system?  Partly.

What I’m about to tell you accounts for about 40% of trading success, and all of it relates to YOU.

For example, how did you feel before you entered a trade?  Did you feel anxious?  Did you hesitate?  How about after you exited?  Were you happy or regretful?  What about when you were in the trade?  Did you deviate from your plan because you had a hunch?

Traders spend a lot of time finding trades, they spend a lot of time searching for a system they are comfortable with, but after all that, they lose sense of one of the most important things in trading….. managing their emotions.  Once this happens, you can bet destructive money management will soon follow.  This is so important I’ll give you a SIMPLE thing you can do in a second, to help manage your emotions.

Do You Have Characteristics Of A Winning Trader?

Winning traders pay attention to reality.  In other words, they do not waste time and energy on wishful thinking or regretting what has happened.

They use a system they are comfortable with, that is in line with their innate time frame.  Short-term traders are not suited for playing long-term trends and will sell out before the trend plays out.  Long-term traders will get frustrated being stopped out too often by playing more volatile short-term trends.  Make sure to reflect on your feeling when testing out a system.

They know that the markets are not there for entertainment.  They do not count their money while “working” their trades.  Counting unrealized profits get people excited as if they were playing a game, and this is how amateurs make poor decisions and eventually wash out of the markets.

If you start feeling giddy, get out!  Analyze the markets from the sidelines.  The markets will always be their so take your time if you’re not emotionally ready yet.

If your trading starts feeling like a job, you’re probably doing it right  Go look for something else to entertain you, or set up a separate “entertainment” account if you need a little excitement.

A Simple Way To Help Manage Your Emotions

OK, here’s a simple thing you can do to keep you from getting caught up in the gyrations of the markets.

Do your research and decision making WHEN THE MARKETS ARE CLOSED.  Likewise, place your orders WHEN THE MARKETS ARE CLOSED.

Whenever you enter a trade, place that stop-loss order AS SOON AS YOU’RE IN.  A lot of brokerage firms have conditional orders (where one  triggers another (OTA) so make use of these type or orders to keep as much emotion out of the game.  Once you are in the trade, adjust your stop-loss order according to your plan (and that stop-loss order is only adjust in one direction… IN THE DIRECTION OF THE TRADE, i.e. if you’re long, adjust only up, if you’re short, adjust only down.

Here is some simple financial advice -free- that your $10,000 schooling never taught you.  This applies more today than it ever did.

Financial Advice #1:

Start building some sort of passive income NOW.

We need to stop thinking that getting a “secure” job is the answer to your money worries.  It’s not the way to financial freedom that we all seek.

The Industrial Age is over and you cannot depend on a company to be there for you like the old days.  If I remember correctly, United Airlines was one such company that could not fulfill their promise to pay pension benefits to employees that worked 20 – 30 years.  How devastating is that?

The Information Age has made this a global economy.  There’s no such thing as a “safe” job.  However, the information age has also leveled the playing field so someone with just a few $100 has just as much an opportunity to generate  hundred’s of thousands, and even millions, of dollars as that conglomerate in your back yard.

Passive type income is coming to be a need rather than a want in today’s unstable economy.

Real Estate has been a very popular type, but I find something called affiliate marketing much more fun.  You can read “Increase Google Rankings For Your Articles” to find out what it’s about and compare it to real estate investing.

You can continue to work for extra income but work your way up to building enough passive income to cover at least your core bills, especially health insurance.

Here’s the problem in being an employee.  If your health insurance is contingent upon you working X amount of hours, what will happen if you are hospitalized for 5 months and all your sick leave and vacation time are exhausted?  You’ll lose your insurance just when you need it!  Now, THAT can bankrupt you.
Financial Advice #2:

Do NOT consume with debt.  In other words, do not buy consumables with debt.

If you don’t have the money now, don’t buy that iPad yet.  Once you get into this habit of “I want it now” or “I can make the monthly payments,” you will end up down the road of financial hell!  Remember, there is a LAW of “cause and effect” and the effect WILL affect you sooner or later.

Those that didn’t heed this advice suffered serious consequences, i.e. broken marriages, chronic stress, health problems, broken friendships, etc.

That sticker “I Owe, I Owe, So Off To Work I Go” is sad but true for many Americans.  Don’t set yourself up to living the “I have to work” life.  Form habits that will allow you to live the “I want to work” life.

Here’s a simple habit that will compound in more ways than one. 

Every time you have money come in, look at it as capital.  Every time you want to buy something that depreciates in value, put it on your “want” list.  Now take your capital and find a way to create more capital.  A simple example would be you earn a $100 and you want to buy a $50 gadget.  After doing some research on eBay to see something that sold for $200.  You buy that same item locally for a $100, then sell it on eBay for a “lousy” $185, and walk away with a net of $80 profit.

NOW, you go and buy your $50 gadget.  But, look here.  You have your gadget, your original $100, and $30 extra.  This is all because you bought an asset first (asset = something that  can potentially make you money) and the liability second (liability = something that makes you lose money).

So, to repeat the simple financial advice above, start building some sort of passive income (or near passive income since everything is going to require some of your attention) to the point where it can cover at least your basic expenses.  And, to avoid unnecessary expenses, NEVER buy consumables with debt.

And like this site mentions, the lower your expenses, the FASTER you will achieve financial freedom.

Making money in the stock market?  Could it be a bad system?  Yes and no.  Let me explain.

It took me over 10 years to discover this…at the cost of tens of thousands of dollars.  So, listen up and save yourself unrecoverable  time and $1,000′s.

If you’ve read about investing in the stock market, you’ve probably heard about the buy and hold strategy.  It’s simple.  You just keep adding money whether the stock market goes up or down.  If you added equal dollar amounts it was called dollar cost averaging.  Now, this strategy sounds good and logical and will work, and so will 20 other strategies.  However, you MUST figure out one critical component before you go any further, and, BE HONEST WITH YOURSELF.

In “Trading Rules That Work: The 28 Lessons Every Trader Must Master,” there is one rule (Rule #4) that I didn’t heed and it cost me.

Here’s what it said:

You have to figure out your innate time frame!  Without figuring out this part, no stock trading plan will work for you and you will have a very difficult time following the rules.

For example:

Are you comfortable making quick decisions based on a few bits of information?  Do you think market moves are completely random?  Will you get bored waiting for things to play out to see if you’re right or wrong?  Then a shorter time frame is probably right for YOU.  Are you more comfortable considering factors from all angles before  making a decision?  Do you believe the fundamentals of supply and demand will eventually move the market in your direction?  Will you get discouraged at taking quick losses?  Then a longer time frame is probably right for YOU.

When do you feel the pressure to act (to buy or sell)?  Really pay attention to your urge to do something (or do nothing) and you will likely pick out a system that’s more in sync with your natural time frame.

Personally, I do not have the confidence to hold when the stock tumbles and the patience to wait for the intrinsic value to play out.  In other words, I cannot trade like Warren Buffet, who made BILLIONS with his trading system.  It makes absolute sense and we KNOW it works, but why can’t I make millions?  You know why.

Currently I am trading a system that gets me in when the market stops me in so that my waiting period is cut down.  Plus, I like to take my time and analyze the market before jumping in, therefore, placing a buy stop order overnight works for ME.

I have learned that just having reference books can do only so much.  Having a real human that can answer any questions during your “tenure” will help you make progress a LOT faster.  They will act as reassurance that you are executing the system correctly, even though you suffer a loss.  It really does help your confidence to see a professional lose money because if he loses money, then you are reassured that it is just part of the trading business (and not that you’re doing anything wrong).

I doubt his membership site (which is a few hundred dollars a year) is open but he has written a book (“Strategic Stock Trading“) so you can see his trading style without paying $600 or so a year.  But remember, you will not have that valuable interaction with just the book.

Do whatever it takes to get started because the real emotions will only be revealed when you put real dollars on the line.

Again, a big part of making money in the stock market is finding a system that is in line with YOUR time frame.  Good luck with your trading!

You go shopping for groceries and in the process you see a cool $7 electronic gadget.  Your plan was to just buy food, but this gadget is a “one-time special.”  What do you do?  Throw it in the cart and charge it?  The reason you do that is because the money (credit) is there and because you CAN do it.  If you had a simple envelope system for budgeting you can EASILY avoid these type of impulsive purchases.

Marketers spend a lot of time and money coming up with irresistible messages.  And that makes it pretty difficult for the common shopper so you can bet you are not alone.

Dave Ramsey has one of the simplest forms of budgeting.  It worked 50 years ago and still works today.  No software or high tech system is required, just envelopes and good ‘ole cash.

Check out this short video and see why it’s so effective.

The feeling of having cash at the end of the month because I didn’t overspend was powerful.  That money went directly to my bank account and now I had money to invest.  Or, better yet, if you don’t have an emergency fund yet, BUILD ONE!!  Having money when you lose your job or when an unexpected emergency comes up can save your marriage, can avoid an emotional breakdown, can spare your health, and that’s just scratching the surface.

I can guarantee you will NEVER ever regret saving money.

Try this envelope system for budgeting just a few categories and see how it works.  And if you get a chance to go to the library or book store, take a look at Dave Ramsey’s book Financial Peace.  I’ve gotten more than just how to use the envelope system from this book.  His lessons changes lives!

I‘ve been pretty addicted to this whole internet marketing stuff, so I thought to myself, why not heed the advice of following your passion?  Since then, I’ve been pursuing an Internet Marketing Career and loving every minute of it.  I’m finally living the life of “never having to work a day in your life” because I actually look forward to doing the work.

Have you ever bought books in hopes of making money “tomorrow?”  Me too, so don’t feel bad if it didn’t work out like you expected.  You’re learning, as did I.

With more experience, knowledge, and webpages built out on the internet, maybe you might be able to execute a strategy that brings in fast money.  But, for those of us without experience, you may be one of the exceptions that make money as fast as the product claims, but DON’T count on it.

But, if you eventually want to make “job quitting” money and call internet marketing your career, you have to learn some things that add up to more money for you.    See one thing you can do to help your conversion rate in the video below.

So, What’s The Key Word In Making It?

Let me reassure you that failing on your first attempt is not an indication of whether or not you’ll make money online.

There was a blog post by a brilliant speaker and marketer named Seth Godin and in it, he wrote about the “secret of the web.”  Ironically, with the speed and leverage of the internet, it’s PATIENCE!  Doing the steps correctly and letting the results manifest is what it’s about.

As Seth put it, “Google was a very good search engine for two years before you started using it.  The iPod was a dud.”

I know you want fast results and “cheating” (black hat) is very tempting.  But what happens when cheaters get “caught?”

Why You Want To Do It Right The First Time

Think about Google’s number one mission.  It’s to bring the users good, relevant search results so they have a “good user experience.”  The better their experience, the more they use Google.  The more they use Google, the more eyes see their AdWords Ads.  And, the more eyes that see those ads, the more money Google makes.

Soooooo, think that you’ll still be an internet marketer 5 years from now and give things time to manifest into money.

Take time to learn what has worked for other SUCCESSFUL internet marketers at places like  Wealthy Affiliate University, or any other similar school where they have tutorials, tools, interaction with members, and even coaching from those that made hundreds of thousands of dollars(and in some cases millions).

Video From A Wealthy Affiliate Member That Has Made Hundreds Of Thousands Of Dollars

One thing you can do to converting your efforts into money is to have great content.  Content that makes them say, “A-ha,” or “Wow, I”m glad I found this out…”  Watch this video for an example:

So, if you want to have an Internet Marketing career, do not quit just because you didn’t make any money your first attempt.  That’s normal.

With some hand-holding from those that make a living online, combined with your understanding that you are building your future, you will succeed.

Good luck with your Internet Marketing Career!

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Image: Arvind Balaraman / FreeDigitalPhotos.net