Category: Career and Money

Everybody’s talking about saving money nowadays, and it’s really good to be able to have some buffer to avoid difficulties in times of economic distress.  But what usually happens is that when these financial difficulties come, the more that we succumb to pleasure activities to help us overcome our depression.  One of these activities is impulse buying.

Are you an impulse buyer?

Answer these questions truthfully:

1.)    Does your spouse or partner complain that you spend too much money?

2.)    Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.)    Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.)    Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.)    Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

When I first started my own “WORK AT HOME” business, I had no experience whatsoever , and I did not know how to get started on the right foot. After a lot of trial and error, I have learned [and still learning] on what to do and not to do to get started in my “WORK AT HOME ” business.

Any one who had decided to start their own “WORK AT HOME” business , is going to make mistakes along the way. Remember, no one is perfect, so it is expected to make mistakes as you learn. Many “WORK AT HOME” mistakes can be avoided , when we learn from the mistakes of others.

1. First of all, before you start a home based business, you must know what it is you’ll be doing. You need to educate yourself about your “work at home” business. For example , Internet Marketing , Placing classifieds , getting a WEB SITE ,Follow-ups ,etc. Look at it this way , say you sign up someone under you , and they need help getting started , how are you going to help them if you do not even know this? Expect your first 6 months or so to be a learning process for you.

2. SPAM
What is SPAM?

Simply put, SPAM is unsolicited advertising. It is our belief that SPAM is in the eye of the person being SPAMMED, not the person sending the SPAM. While you may not consider a message to be Spam, if the person receiving it does, it’s SPAM. If you are not 100% certain that the person or persons you are advertising your Surfside Internet site to will not complain, DO NOT advertise your site to that person or persons. Any SPAM complaint is cause for immediate termination, no second chances, no questions asked. This is a very serious matter. Surfside Internet reserves the right to take legal action against any person or persons involved in SPAMMING

What types of advertising are considered SPAM?

Bulk e-mailing (sending an e-mail advertisement to persons listed on an e-mail address lead list).

Advertising with bulk e-mail services (companies who will send an e-mail advertisement to persons listed on an e-mail address lead list for you).

“Bounce back” e-mailing (sending an e-mail advertisement in reply to an e-mail advertisement that was sent to you).

Advertising your Surfside Internet site to people that you don’t know, who didn’t specifically request the information.

Cross-posting or advertising to Usenet newsgroups, forum or discussion lists, and online chats (IRC) is not allowed.

These are only examples. Remember, SPAMMING includes ANY unsolicited advertising.

For more information about SPAM and how to avoid it. Please visit this site:
Friends House In Rose hill:
http://www.rosehill.org/spam.htm

3. Posting ads on Forums: Like spamming , posting ads on forums message boards can [most likely will] get you banned. Forums are only to be used as sources of information about business opportunities. You can ask questions , or get/give advice about any “Work At Home” business , or other topics , but absolutely not allowed to place any ads of any kind. When visiting Forums, always look for their rules/regulations , so you know what is and is not acceptable on these Forums.

4. Submitting to FFA’s. These are free for all sites that you can post your ads on. Do not waste your time posting your ads on these sites ,because your site will never get seen. Worse ,because most FFA’s have such low rankings ,it will give your site a low rank ,because you posted on them. Place your ads on classified ad sites. Here is how to find classified site to place your ads. Go to your favorite Search Engine and type” free home business classifieds” or something like that. I have listed a few places for you to place ads on for your conveince.

Free Classifieds and Promotion at: http://www.inetgiant.com

A-Z FREE Classifieds http://www.freeclassifieds.com/

World profit FREE Classifieds http://www.worldprofit.com/classifieds/

Free Business Ads http://freebizadsweb.com/>

Classifieds for Free http://www.classifiedsforfree.com/

FREE Classifieds Directory http://www.everydaybusinessonline.com/adsites.htm

5. Shouting Other than using caps to emphasize a few words within an e-mail ,or a web page, do not use all caps. Using all capital letters in a text or a correspondence is considered shouting, and shouting at people just causes them to leave.

6. Slow response to e-mails: If someone has taken the time to send you an e-mail for more information about your business, or has some questions, and you do not respond to them in a timely manner, then you probably have lost a potential customer, or an affiliate. Even if you do not know the answers [you may still be learning] let them know that you do not have the answers, but you will find out for them, and get back to them A.S.A.P .

7. No persistence: Let me tell you that there is no such thing as a “Get Rich Quick Scheme” They do not exist. If you want to have a successful “Work At Home” business, then you must be willing to work hard for it. What you put into your business is exactly what you will get out of it. Persistence is the single most important factor in determining a successful “work at home” business. Be persistent and you will be successful.
About the Guest Author

Tina Barraclough is a stay at home mom and owner of http://best-home-based-business-idea.com Visit her website for Business Opportunities, free e-books,Business Articles,etc.

Too many businesses and organizations fail due to failure in leadership. It is the leader that gives the overall tone and direction to the organization. If you would really desire to succeed in any business undertaking and make money from it, be sure to choose the best leaders on your side. And most of all, be a good leader yourself. Hereunder is an excerpt from Napoleon Hill’s Think and Grow Rich, explaining the 10 major causes of failure in leadership.

THE 10 MAJOR CAUSES OF FAILURE IN LEADERSHIP

We come now to the major faults of leaders who fail, because it is just as essential to know WHAT NOT TO DO as it is to know what to do.

• 1. INABILITY TO ORGANIZE DETAILS.

Efficient leadership calls for ability to organize and to master details. No genuine leader is ever “too busy” to do anything which may be required of him in his capacity as leader. When a man, whether he is a leader or follower, admits that he is “too busy” to change his plans, or to give attention to any emergency, he admits his inefficiency. The successful leader must be the master of all details connected with his position. That means, of course, that he must acquire the habit of relegating details to capable lieutenants.

• 2. UNWILLINGNESS TO RENDER HUMBLE SERVICE.

Truly great leaders are willing, when occasion demands, to perform any sort of labor which they would ask another to perform. “The greatest among ye shall be the servant of all” is a truth which all able leaders observe and respect.

• 3. EXPECTATION OF PAY FOR WHAT THEY “KNOW” INSTEAD OF WHAT THEY DO WITH THAT WHICH THEY KNOW.

The world does not pay men for that which they “know.” It pays them for what they DO, or induce others to do.

• 4. FEAR OF COMPETITION FROM FOLLOWERS.

The leader who fears that one of his followers may take his position is practically sure to realize that fear sooner or later. The able leader trains understudies to whom he may delegate, at will, any of the details of his position. Only in this way may a leader multiply himself and prepare himself to be at many places, and give attention to many things at one time. It is an eternal truth that men receive more pay for their ABILITY TO GET OTHERS TO PERFORM, than they could possibly earn by their own efforts. An efficient leader may, through his knowledge of his job and the magnetism of his personality, greatly increase the efficiency of others, and induce them to render more service and better service than they could render without his aid.

• 5. LACK OF IMAGINATION.

Without imagination, the leader is incapable of meeting emergencies, and of creating plans by which to guide his followers efficiently.

• 6. SELFISHNESS.

The leader who claims all the honor for the work of his followers, is sure to be met by resentment. The really great leader CLAIMS NONE OF THE HONORS. He is contented to see the honors, when there are any, go to his followers, because he knows that most men will work harder for

commendation and recognition than they will for money alone.

• 7. INTEMPERANCE.

Followers do not respect an intemperate leader. Moreover, intemperance in any of its various forms, destroys the endurance and the vitality of all who indulge in it.

• 8. DISLOYALTY.

Perhaps this should have come at the head of the list. The leader who is not loyal to his trust, and to his associates, those above him, and those below him, cannot long maintain his leadership. Disloyalty marks one as being less than the dust of the earth, and brings down on one’s head the contempt he deserves. Lack of loyalty is one of the major causes of failure in every walk of life.

• 9. EMPHASIS OF THE “AUTHORITY” OF LEADERSHIP.

The efficient leader leads by encouraging, and not by trying to instil fear in the hearts of his followers. The leader who tries to impress his followers with his “authority” comes within the category of leadership through FORCE. If a leader is a REAL LEADER, he will have no need to advertise that fact except by his conduct— his sympathy, understanding, fairness, and a demonstration that he knows his job.

• 10. EMPHASIS OF TITLE.

The competent leader requires no “title” to give him the respect of his followers. The man who makes too much over his title generally has little else to emphasize. The doors to the office of the real leader are open to all who wish to enter, and his working quarters are free from formality or ostentation. These are among the more common of the causes of failure in leadership. Any one of these faults is sufficient to induce failure. Study the list carefully if you aspire to leadership, and make sure that you are free of these faults.