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Who Wants To Be A Millionaire?
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you as much as $3000 a month with part-time work. Go to
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Ezine Article: Who Wants To Be A Millionaire? By Michael
Moore.
Steve Martin once delivered an opening monologue for
Saturday Night Live in which he answered the age-old
question “How can I be a millionaire?” His answer was fairly
simple and straightforward, “First… get a million dollars.” If at
this point you can’t help but feel that Mr. Martin performed an
extraordinary feet of oversimplification that night, then I urge
you to read on, and hopefully, by the time you finish this
essay, you’ll be convinced that becoming a millionaire isn’t
nearly as difficult as everyone makes it out to be. Through a
simple three-step process which I will lay out clearly, the
keys to the millionaire’s club will be shown to be available to
anyone willing to merely reach out and grab them. Before
you begin any financial strategy, you must realize that there
is a vast difference between what you earn, what you own,
and what you’re worth. The amount of money that you earn
from going to work everyday is known as your income, and
has relatively little to do with your financial status. The sum of
the value of all of your possessions is known as your wealth,
and is a closer guideline. Net worth is the real gauge of how
close you are to becoming a millionaire, as it is the value of
all of your assets, subtracted by your total debt. Now that
you see that having a large income is not the end all
guarantee of financial security, let’s move quickly to what you
can due to get that million dollars that Mr. Martin so
accurately described as the first step to being a millionaire.
The first phase in your journey involves understanding that
time is of the essence. For those who start investing at an
early age, the power of compound interest turns time into
their greatest ally in wealth-building. Once you have been
investing for long enough, your investments will begin to
consistently, and eventually rather impressively, outperform
your paycheck. This is true no matter what level of income
you have already achieved. If you have an annual salary of
$50,000, and invest only 10 percent of that each year, earning
a 10% annual rate of return on your investment, in 25 years
you will have amassed over half a million dollars. At this point
you will be earning over $50,000 each year in interest.
Continue saving at that rate for another 10 years and you will
find yourself earning $150,000 annually in interest. 10 percent
of your income may seem like a lot, but if you can find an
investment which directly debits the money from your
paycheck each week, you will be surprised to find yourself
able to live without it. Another way to ease the pain of that
10% decrease in take home pay is to use part or all of it as
an excuse to lower your tax burden, which I will discuss later.
Now that you’re salting away 10 percent of your income each
week, and can’t possibly imagine affording anymore, let’s talk
about how you can make one of your largest living expenses
work for you rather than against you. I am of course talking
about the money that you spend providing shelter for yourself
and your family. Owning a home is the single largest
investment that most people will make in their lifetime, and
that is why moving from renter to home owner is your next
step on the road to becoming a millionaire. The growth in the
value of real estate in this country makes owning a home not
only a wise investment, but also a hedge against inflation
While many Americans pour their money into renting a
house, effectively flushing it down a toilet they don’t even
own, you should be using yours to cover the mortgage
payment of the most profitable purchase you’ll ever make
according to some financial experts. While it’s true that
owning a home does come with certain expenses which a
landlord normally covers for those who rent, the tax
advantages which you receive for paying the interest on your
loan help to offset your out of pocket expenses. The less
money you give to Uncle Sam, the more you have available to
turn into improvements which increase the value of your
home, as well as to put into your other investments, such as
a 401k plan at work, or an IRA. The final step in your quest
to become a millionaire is to make sure that as much of the
money you earn as possible is there for you to invest. That
means giving as little as possible to your greedy Uncle Sam.
There are two simple ways to beat the tax man, thereby
increasing the amount of money available to help build your
net worth. Pretax investment vehicles, such as a 401k,
traditional IRA and 529 college savings plans, allow you to
lower the amount that your employer deducts from your
weekly paycheck to cover your state and federal tax liability.
The only drawback to these types of investments is that once
you pull the money from the account, taxes are due in full.
You do however get the benefit of watching your money grow
tax free for years, which allows the concept of compound
interest which I discussed earlier to work harder for you than
it would if your money was in a traditional savings account. A
traditional savings account is one of the worst investment
vehicles available. Along with the comparatively low rates of
interest which savings accounts earn, any money that you do
earn is subject to annual taxation. To avoid paying taxes on
the money you withdraw once you become an independently
wealthy millionaire, you should set up a Roth IRA. A Roth
IRA is funded with after tax dollars, which may leave you
wondering how that helps you avoid paying taxes. The fact is
though, that in a Roth IRA, all the money you earn is yours to
keep. Uncle Sam can’t take a penny of the money that you
accrue in interest, meaning in the long run, the tax
advantages are far better than any other form of investment.
I’ve just shown you in three easy steps how you can take
advantage of the unseen forces of the financial world to grow
your net worth at an alarming rate, now all that is left is for
you to follow my advice and wait patiently for compound
interest to work its magic. By avoiding taxes to the greatest
extent possible, turning you home into an investment, and
most importantly of all, not waiting to start saving, you too
can be a millionaire. What you do once you get that million
dollars is up to you. Michael Moore is a successful author
who provides information on home loans and debt
consolidation. Article Source: http://EzineArticles.com/.
Paid Surveys, earn $150/hour just for providing your opinion!
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The Mathematical Formula For Making Money
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Ezine Article: The Mathematical Formula For Making Money
By Angelo Ioanides.
No matter what markets you serve; what products you sell; or
what marketing tools you use, in business there's one truth
you cannot escape. Embrace this truth and profits will flood
your business. Disregard this truth and financial-cancer will
eat you. What is this truth? Quite simply, the size and
speed of your entrepreneurial success is directly proportional
to your understanding of The Mathematical Formula For
Making Money. Despite serving as the corner stone of every
single commercial success since the dawn of commerce
most businesses neglect its power. Being so familiar with the
diluted version of the formula these businesses overlook the
enormous profit-potential held within. The Formula Mindful of
this blind-spot, let's now take a close look at the
Mathematical Formula For Making Money: Leads x
Conversion Rate = Customers Customers x Average Dollar
Sale x Sales Per Customer = Gross Profits Gross Profits x
Profit Margin = Net Profits Please pay close attention to
what I am about to tell you: your number of customers; your
gross profits; and your net profits are the least important
figures in this formula. Why? Because they merely
represent outcomes. They tell you how good or bad you're
doing without telling you why. And without knowing why
you're doing so well (or so bad) you are in no position to fix
the cause with speed and accuracy. All you can do is guess
and implement random strategies in the hope that one day
your results will improve. The real power of this formula is
stored within the five highlighted variables (a.k.a. levers). A
Demonstration Of Power Quite literally, when you apply
these levers to your business your profits will increase
exponentially. Allow me to demonstrate. Assume for the
moment that your business currently operates under these
circumstances: Leads Per Annum = 10,000 Conversion
Rate = 0.1 (10%) Av. Dollar Sale = $50 Sales / Customer
= 2 per annum Profit Margin = 0.2 (20%) Plugging these
into the formula gives you a net profit of $20,000 per annum.
Let's now demonstrate the impact of improving progressively
more levers without increasing your overall effort: Case #1:
Improve leads by 100% Net profit = $40,000 Profit to Effort
ratio = 1:1 I.e. for every % increase in effort you get the
same % increase in profit. Case #2: Improve leads and
conversion rate by 50% each. Net profit = $45,000 Profit
to Effort ratio = 1.25:1 I.e. for every % increase in effort you
get a 1.25% increase in profit. Case #3: Improve your leads,
conversion rate and average dollar sale by 33% each. Net
profit = $47,052 Profit to Effort ratio = 1.35:1 I.e. for every
% increase in effort you get a 1.35% increase in profit.
Case#4: Improve all levers except profit margin by 25% each.
Net profit = $48,828 Profit to Effort ratio = 1.44:1 I.e. for
every % increase in effort you a 1.44% increase in profit.
Case #5: Improve all five levers by 20% each. Net profit =
$49,766 Profit to Effort ratio = 1.49:1 I.e. for every %
increase in effort you get a 1.49% increase in profit.
Observation: By simply increasing the number of levers you
improve you magnify your leverage. In other words, for the
same amount of effort, the more levers you improve the more
your profits improve. In this example we see that by
spreading your effort over all five levers you increased your net
profits by $29,766. Compared to the $20,000 increase gained
from improving only one variable we see that your profit
growth is almost 50% greater for doing nothing more than
spreading your resources over all five levers. Imagine all the
extra money you could be generating right now without any
extra effort. All it takes is a simple change in focus.
Conclusion: To leverage your efforts for maximum returns you
must focus on improving all five levers in your business. An
Even More Powerful Demonstration Next, let's demonstrate
the impact of improving all five variables by progressively
larger amounts: Case #1: Improve all 5 levers by 10% each.
Net profit = $32,210 Profit to Effort ratio = 1.22:1 N.B.
Here's how to work out the Profit to Effort ratio. First of all
work out the % increase in profit. This is derived by taking the
original profit of $20,000 away from the new Net Profit and
dividing the result by $20,000. In this instance our $12,210
increase in profit represents a 61% growth. Next, determine
the relative effort by simply adding the % increases in each
lever. In this example our relative effort is 50% (i.e. 5 x 10%).
Finally, divide the % increase in profit by the % relative effort
and you'll have the Profit to Effort ratio. Case #2: Improve all
5 levers by 25% each. Net profit = $61,035 Profit to Effort
ratio = 1.64:1 Case #3: Improve all five levers by 50% each.
Net profit = $151,875 Profit to Effort ratio = 2.64:1 Case #
4: Improve all 5 levers by 100% each. Net profit = $640,000
Profit to Effort ratio = 6.20:1 Observation: As you continue
to improve all five levers the magnification factor on your net
profit increases at an exponential rate. In this example we
see that when we doubled our effort from case #2 to case #3
our leverage increased by 61% (i.e. ((2.64 - 1.64) ÷ 1.64) x
100). But when we doubled our efforts once more from Case #
3 to case #4 our leverage increased by 135% This has to be
one of the most magnificent realisations you could ever make
in business. Conclusion: Never stop improving all five levers
of your business. A Tragic Habit - And How To Fix It Clearly
these two examples demonstrate the power of leveraging all
five variables in your business. Tragically, most businesses
seem to care about only one of these levers - the number of
leads. To make matters worse, of all the levers this one will
cost you the most to improve! So if you're stuck in the 'drive-
more-traffic-to-my-business' trap - STOP! Instead, harness
the multiplying power of all five levers and you'll find that your
profit to effort ratio will skyrocket. Or to put it another way,
by applying all five levers to your business (instead of only
one) you will make more money with less effort. Right about
now you may be thinking to yourself, "That's all well and good
in theory but how could I possibly increase all five levers by
such large amounts?" Although there are over 200 ways to
amplify these levers space restrictions preclude me from
discussing the how-to's here. What's important for now is that
you understand the magnifying potential stored within this
formula. With this understanding achieving a 100%, a 200%
or even a 1000% increase in profit is well within your grasp.
About The Author Learn how to systematically amplify all five
levers of the Mathematical Formula For Making Money
quickly and easily. Enrol in the FREE Web Baron E-Class
now: http://www.outrageousprofit.com/minicourse/af.asp?id=
108 angelo@marketingunveiled.com Article Source:
http://EzineArticles.com/.
Paid Surveys, earn $150/hour just for providing your opinion!
Go to http://www.instantlywealthy.com for more information.
Thought Creates Reality Even When It Comes To Money
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you as much as $3000 a month with part-time work. Go to
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Ezine Article: Thought Creates Reality Even When It Comes
To Money By Joseph Clark.
What if I told you that reading a book would also change the
way you react to the demands that rest upon your shoulders
by the system of money you live under. Would you click
HERE to learn more about that new way of perceiving your
own money situation that would change everything for you
especially where money is concerned? What if I told you that
reading a book would also change your thoughts and beliefs
about money, and change the very reason you have less
money than you need and/or desire. Would you click HERE
to learn more about a different way of believing in yourself and
the money of the world’s money systems? Money is not
made by hard work and long hours as so many tell you that it
is. Just look at the rich and very rich, they do very little work
at all. Only a few of them had to work hard to get to the top.
No instead it was their way of thinking and believing in
themselves and a perception of the way money is generated
for them that got them to where they are. If I told you that
reading a book can alter your perception about money (YOUR
MONEY) in a way that would relax your worries about money
that would also allow you to draw more money to you with
less work. Would you click HERE to learn more? This would
also lessen the demands on your current cash flow because
you would have more money. PROBLEM In today’s system
of money and government there is a problem of lack of money
for a vast majority of people and the ever-looming control of
people from the government and the legal system. Everyone
is stuck in a state of mind that depends 100% on money. It
matters not how much or how little money you have. Do you
know how it is that they are controlling the population so
easily? Do you agree that knowledge is power? When people
understand how money is used and the effects of the control
placed upon the people they will be able to easily throw off
that control and all the financial burdens you are currently
carrying and paying for at the cost of you time away from
home and the stress on your health that are needless in your
life. The lack of understanding today in the use of money and
the ever increasing control, burdens and all that comes from
today’s life styles are gaining momentum in a way that is
disastrous to us as a people and the to earth itself. People
just do not see the control or the effects of this because like
the science project we all learned in school where the boiling
frog just sat in the ever-increasing hot water and allowed
himself to boil to death. We all feel the effects in many forms
many of us complain verbally about the problems we
encounter with lack of money, but few ever understand the
actual root cause of how and why we have these stressful
burdens. The system(s) of earth are in dire trouble and will
soon loose control of the monetary system. Recently
president traveled around the country pitching a new bill to
the people stating the social security system will be bankrupt
in 13 years. They are in deep financial trouble and they know
it. This book presents for thought little known facts people are
unaware of, what is going on behind the scenes and the
effects of what this means, it provides an easy cure for the
money problems we all experience. Pressure struggle
anxiety, etc are all related to the system we live under but we
just do not see the cause or the absolute root of the problem.
I have hinted at it strongly but do you know exactly what that
is or will you click HERE to learn more? HERE =
www.discharge-debt.com/id70.htm ISBN 1-933037-51-2 Visit
the authors website above where you can search inside the
book and order signed or unsigned copies as desired.
SOLUTION The solution is to first understand the cause and
then the effects of the cause. From this understanding we
automatically change our perceptions of the problem. This
also changes the conscious awareness of the whole planet.
One person’s change in perception does change the whole
game since each person is firmly a part of the mass
consciousness. Yes one minds perception and state of mind
can make a big difference in the whole of mass
consciousness far more than you know. The solution to this
can be found in the book “Once Upon A Time There Was No
Money” Click HERE this book provides a whole new way of
understanding money and the system of control that is all
around us. In this book is a new understanding in money
matters for today and for the future to come. It reveals facts
and wisdom knot known by most people on many different
levels. BASIS OF THIS UNDERSTANDING The materials
presented in this book are the understandings that comes
from a lifetime of struggles with money the school of hard
knocks and the personal restructuring of life through the
teachings that come direct from the higher realms via
channeled entities that have our continued evolution on earth
as their primary concerns. This information is given today for
today’s people because we as a people are in the now of
today and not back 2000 years ago when the information that
came through then was for the people of that time. Today’s
channeled information is for today’s people with today’s life
styles with all of our current issues and problems at large.
The changes to come will happen weather we are aware of it
or not, would you rather be informed or wake up one day to
find the world changed without you? Editorial Reviews
ONCE UPON A TIME THERE WAS NO MONEY is a book
advocating non-force means to circumvent monetary and
governmental institutions so that people may eventually
become freed from money's effects on humanity. The
information is delivered in that of a futuristic classroom
narrative where students learn about money and its
institutions from what would be their historical perspective.
The spiritual messages about energy, belief and evolution are
strongly written and timely, in that humanity is creating and
consuming this information at record rates. The vision for the
future (largely communicated through the classroom
dialogues) is a clearly articulated statement of possibility for
what can be when equity is established through the
elimination of money; the imagination of possibility is
ultimately what creates change. Heliographica editorial Dept.
About the Author Joseph Clark is a highly spiritual man that
has had a wide range of diverse worldly experiences over the
past 5 decades. He has walked in many shoes from an
average Joe to a business owner and currently is the author
of books dealing with human evolution, now and in the future
of all humanity. He has for the past 14 years intensely
studied the world of the divine and the correlation of people
currently in physical biology and the relation of the human to
the higher aspects of their existence in the physical world.
From an early age he was drawn by a sense of an inner
direction toward the metaphysical and divine interaction of
people to the higher realms of understanding. This was
activated through his personal guides that kept leading him to
new off world understandings. He has had many personal
experiences of the divine existence within himself from out of
body experiences to dealing with the drudgery of the 3rd
dimensional world at hand and has learned to link the two
together in what we call the practical real world. Article
Source: http://EzineArticles.com/.
Paid Surveys, earn $150/hour just for providing your opinion!
Go to http://www.instantlywealthy.com for more information.
Generate Savings with Smart Use of Electricity!
Paid Online Surveys could beat your current income and earn
you as much as $3000 a month with part-time work. Go to
http://www.instantlywealthy.com for more information.
Ezine Article: Generate Savings with Smart Use of Electricity!
By Tim Gorman
No matter what income level you are currently at, generating
savings is always a smart move to make. So what is one
area you can generate a satisfying level of savings? Change
your habits and how you use electricity. Yes, do these
simple steps and satisfyingly watch your electrical bills
dwindle. You don’t need to make a huge commitment
towards saving on electricity, think of it as smart habit
changes. Neither should you mistake saving as acts that
need to be applied to the point where you sacrifice on
comfort. Every smart habit you develop will translate into
saving on your utilities. • You generate savings just by
developing the habit of unplugging unused appliances. For
these draw electricity even when they haven’t been turned on.
• When shopping for new electrical appliances, especially for
your heater or air conditioner, look for the Energy Guide label,
that guarantee the appliance is energy effective. • Buy
programmable thermostats — then 10 degrees set back for 8
to 10 hours for your heater in winter and your air-conditioners
during the summer. Watch your savings climb up. • Keep
your appliances always clean, it will reduce the amount of
energy they need to warm or cool up, for instance. • Request
for a home energy audit from your utility company, which will
help you identify ways to generate savings on your home
heating or air-conditioning bills. If they don’t offer the service,
ask them to refer you to a qualified professional. • Keep your
furnace clean by replacing the filter every 3 months during
peak use. You still generate savings when you buy new filters
rather than having the heater or air-conditioner work overtime
before it gets warmer or cooler. • Have a professional go over
the insulation of your roof, and add extra insulation if needed.
This will stop heat loss and keep your heating or air-
conditioning bills down. • You will generate even more
savings if you are vigilant about sealing leaks in your attic,
basement, fireplace and around electrical outlets. • Turn off
your computer, the lights and air conditioner when you are
not using these. You’ll saving more, and actually prolonging
the life of your computer. Because when you restart the home
computer, you allow it to refresh its’ memory and regenerate
the operating system. Utilities have a distressing ability to
consume at lot more of your fixed income for the month. By
developing energy efficient habits, you generate more savings
which enables you to get the most out of your money for
less. Timothy Gorman is a successful Webmaster and
publisher of Debt-Relief-Solutions.com. He provides more
debt relief, consolidation and financial planning advice that
you can research in your pajamas on his website. Article
Source: http://EzineArticles.com/.
Paid Surveys, earn $150/hour just for providing your opinion!
Go to http://www.instantlywealthy.com for more information.
Budget Tips
Paid Online Surveys could beat your current income and earn
you as much as $3000 a month with part-time work. Go to
http://www.instantlywealthy.com for more information.
Ezine Article: Budget Tips By Tim Gorman
To budget, to have a budget and to be on a budget is not a
bad thing; in fact, it’s just about the best financial situation
you can find yourself in. A budget is a valuable financial
management tool which will enable you to pay your monthly
expenses, save a certain percentage of your income and
control your expenditures. How can you stay within in your
monthly budget? There are several steps to making a budget.
1. The first step to making a budget is to gather information
about your take home income and other sources if you have
these (e.g. stock dividends). This allows you to determine
what your true financial standing is. Be systematic; write
down exact amount of your income and the other sources if
you have them (e.g. stocks, dividends. Note the schedule you
expect to receive these sources. 2. You need to understand
what each and every bill or expense is intended for, in order
to make an effective budget. List of your fixed and recurring
expenses and the due dates for these expenses. Examples
of these, weekly groceries, utilities, gasoline and mortgage or
rental expenses. 3. Track all expenses, as these are not
static. It will make your budget more efficient, when track
these expenses on a regular basis, rather than once or twice
a month. You can then see the variables and make the
necessary changes in your budget to reflect this. Or address
the reasons why. 4. Monitor the discretionary portion of your
income. Where have you gone over budget? Too many
cappuccinos at Starbucks? Or is it an unexpected medical or
house repair bill? You could start a contingency fund in your
budget to take care of unexpected bills. 5. Lastly, motivate
yourself to save and to spend wisely. Set up short and long
term goals. A short-term goal will enable to buy the latest
plasma TV, or digital camera. Long term goals are ones that
enable to increase your retirement funds or to buy real estate
properties. You can record the details of your budget, the
expenses and sources of income in a 6-column ledger, or buy
personal budgeting software, and encode these details
herein. Remember though, that in order for your budget to
work you definitely need to spend less and save more.
Timothy Gorman is a successful Webmaster and publisher of
Debt-Relief-Solutions.com. He provides more debt relief,
consolidation and financial planning advice that you can
research in your pajamas on his website. Article Source:
http://EzineArticles.com/.
Paid Surveys, earn $150/hour just for providing your opinion!
Go to http://www.instantlywealthy.com for more information.
Personal Budget Programs
Paid Online Surveys could beat your current income and earn
you as much as $3000 a month with part-time work. Go to
http://www.instantlywealthy.com for more information.
Ezine Article: Personal Budget Programs By Tim Gorman.
Do you have financial problems? Then a budget is the answer
if you are tired of wondering where your income went. A
budget is the answer, if you don’t have savings. A budget is
also the only solution to getting out of credit card debt. You
can purchase a 6-column ledger or use an electronic ledger in
recording your expenses and income. Or purchase budget
software. While an electronic ledger (like Excel) functions by
keeping your financial records and doing your computations,
budget software programs will do much more. Here are
several features your budget software should have, to
effectively help you keep track of expenditures and record
your savings. 1. The budget software should with a
worksheet, show you where your funds go, and provide you
with the exact amount of your current financial situation. 2.
The budget software should have in addition to the more
common ledger title columns, make available the option for
you to create your own personalized account titles. This
makes it more accurate, and enables you to keep track of
daily expenses, of your saving accounts, payments for
insurance, auto, utilities payments and even entertainment
expenses. 3. The budget software should allow you to
compare the financial differences between the budget you set
against actual expenditures. It would be great if this feature
were accompanied by a reminder feature that tells you, you’re
overspending. 4. The budget software should provide you the
option of creating and tracking individual accounts, should
you wish to set one for you and your spouse, or your
children. You can use this to monitor each child’s expenses.
5. The worksheet visuals of the budget software should be
easy to understand. 6. Usage of the budget software must
be user friendly and have help menus that are built in the
program. After you’ve read the company brochures, and
spoken to the sales staff, request for a demonstration.
Personally test the budget software, to make certain you
have ease of use. Ask the company they provide product
updates at discounted prices. Make sure that the budget
software vendor have an efficient customer support and after
sales services. Request for list of their clients and talk with
these people. Ask to be sure that you can reach them on the
net, by phone and email. List their physical address, should
you need to drive by their shop. You need to be honest,
committed and disciplined in making and keeping a budget. If
you do, you’ll be able to get the most out of your income in
spending along with saving wisely. Timothy Gorman is a
successful Webmaster and publisher of Debt-Relief-
Solutions.com. He provides more debt relief, consolidation
and free financial planning information that you can research
in your pajamas on his website. Article Source:
http://EzineArticles.com/.
Paid Surveys, earn $150/hour just for providing your opinion!
Go to http://www.instantlywealthy.com for more information.
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