Who wouldn’t want to be a CEO these days? Look at all the money that the government gave to Wall Street and the bankers to bail themselves out of a pit they dug on their own, and then see the extraordinary bonuses those same CEO’s ended up giving themselves afterwards. Again, who wouldn’t want to be a CEO these days?

But on a serious note…

The fact is that YOU can be a CEO of a very small company in only a few minutes. Of course, you aren’t going to see millions of dollars in bonuses every year, but you could end up with at least a little bit. When you start your own home based business, you are, in fact, becoming a CEO of your own company.

Sure, it’s not like those major corporations that are out there raping the slaves of the nation and the resources of the Earth that we all live on just to make a profit to pay for their luxury jets and golden toilet seats; but you never know where you might be ten years from now, either.

Maybe your home business will turn into a new eBay or Facebook and you can sell out for millions of dollars. No one is saying that you have to remain as a tiny little business in some dark corner of the Internet if you don’t want to…

You can put everything you have into your business and find all the success in the world if that is where you want to go. There is actually nothing stopping you from becoming the next Bill Gates except yourself and your own critical thinking about what you are attempting to do.

The first thing you need to understand is that you can literally take your business to places that no one else has ever gone if you are creative enough to do it. Don’t let other people, or even yourself, put roadblocks up in front of you and tell you that you can’t succeed at something. People that tell you something won’t work are people that have never actually tried to do anything on their own. These are the same people that end up having more money issues than anyone else you know and couldn’t find a pleasant thing to say about anything from day to day. Let them live in their own disillusioned state of mind while you go out there and grab your dreams with both hands to prove them wrong.

You should, of course, start out small and work towards something really huge. Never give up chasing that ultimate goal, no matter what it is or what other people think of you. They can tell you it will never work all they want, and some things may not work for you, but all it takes is one stroke of luck and everything you have been working for will fall into place.

Never give up and never let people bring you down to their dull existence, and you will have nothing but success!


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There is a common trend in the banks at the moment which has to do with savings accounts and savings interest rates. If you keep your savings with the same bank in the same account for a number of years, you would expect your bank to look after you. But they do not and actually take advantage of this.

The banks release a savings account. They advertise it, use it to attract new customers or convince existing customers to transfer their savings to them. The customers, being quite happy with the rates and the terms, forget about their savings interest rates knowing that they have the return that they expected.

Then after 6 months to a year the bank get bored of that savings account and decide on the next big marketing push and release another type of savings account. The terms maybe a little different. The savings interest rates is usually different. And the same thing happens again, attracting new customers etc.

Initially the interest rates will remain pretty much the same. Gradually over the next year or so the rates will begin to fall. Over a bit of time the interest rates may decrease considerably. Sometimes down to near zero. If the customer is not monitoring their statements they will never know they are not making any interest on the money in their savings account. You can be sure the bank will not send you a letter telling you that fact.

As a banker I let my customers know when their interest savings accounts are faltering. I let them know if they can do better. I refuse to let a customer watch their interest rate dip to zero. Many times I will upgrade them to a better savings account, with better interest rates.

I can tell you though, that not all of my collegues do the same, nor are they encouraged to do so by their superiors. Upon the release of a recent new Cash ISA savings account, we were actually instructed not to upgrade customers from the old Cash ISA accounts, to the new one unless the customer actually asked us.

Why would your bank treat you like this? Banks are in the business of making a profit. The less they have to pay you the more profit they make. The bank leverages your money to make money, then they short the money made from your money to keep more for their interests. You make less return for loyalty and the bank makes more.

The answer is clear, review your savings interest rate and the terms of your savings account annually. Get the latest information on the newest savings account releases. Look at what their competition is offering. Then go to your banker and negotiate a better deal for yourself, or go to the competition. Your goal is to get the best returns on your money.

Martin likes to talk to customers about the best interest rates on savings during his day at work at a high street bank. At http://savings-interest-rates.org he points out the ways to make sure you are getting the best you can from your bank.

When asked if they have insurance, many people respond by saying there is no reason as they are are health, young, and responsible in all aspects of their life. However, insurance policies should be a vital part of everyone’s financial management plan as it will become a very important part of one’s life.

At some point in life, everyone will have some type of insurance. For instance, there are insurances that are mandated by law such as car insurance and there are insurances that certain industry demand that consumers have such as the mortgage industry. Therefore, in some instances we do not have any choice but to purchase insurance.

Without insurance, the result of an event will not only affect you, but it can also affect your loved ones. Insurance provides protection from damaging events that are not in your control to prevent or stop. For instance, car accidents where another driver is at-fault, natural disasters such as fire or flooding, and development of a long term illness such as Cancer or a heart attack, are all events where insurance will provide financial protection. Financial protection can include coverage for such things as: medical bills, repair bills, protection to fight lawsuits, replacement of damaged goods….etc. Without financial protection, a person could go bankrupt, lose their home, not be able to afford treatment, and even leave family in serious financial debt if they died. Insurance provides peace of mind and should be considered an investment in life and well being, and not an annoying expense.

There are different types of insurance protection availability. Car insurance protects you from damage of a car and from liability for damage or injury caused to another party. It can help cover expenses associated with an accident where vehicles are damaged and people sustain injury. Liability coverage is necessary for anyone who owns a vehicle.

Health insurance is another essential insurance that many people do not acquire. Without health insurance you could go bankrupt and even lose your home trying to pay for medical costs due to an event or condition that resulted in a very expensive health care bill. As well, without health insurance, you may not be able to get essential treatment that could save your life.

Life insurance is another vital insurance that many people, especially younger people do not purchase. However in the event of an untimely death, your family could be burdened with overwhelming debt such as paying the mortgage, funeral costs, and other expenses. To protect your family, you can find affordable life insurance policies.

To find affordable insurance at a costs that fir your budget, there are online search comparison quote tools that allow users to compare insurance quotes from multiple insurance companies. Getting insurance should be an essential of your financial management strategy. Without insurance, you can be setting you and your family up for serious financial hardship so consider insurance for your particular situation so you can rest easy knowing that you and your family are protected now and in the future.

Looking for a quick and efficient roadside assistance service? As Canada’s largest automobile association, CAA has towing services, trip accident assistance, and insurance available to all their members.versus viagra levitra cialis

Are you in the market for homeowners insurance? This report shows you how to get the best home insurance rate.

The very best way to locate the best price for anything at all is to comparison shop. The easiest way to comparison shop for insurance policies is to pay a visit to an insurance comparison site so you can get rate quotes from multiple companies.

Once you’re there, you’ll be asked to fill out a simple questionnaire so the companies can adjust your insurance to suit your needs. As you complete the form you can include the insurance coverage that you require as well as the discounts you want.

The best comparison websites have an online chat feature which enables you to ask an insurance specialist all the questions you may have about home insurance plus what discounts are obtainable.

If you’d like to get the lowest priced homeowners insurance policy you’ll need to get all of the discounts that you can. Here are the top discounts:

Raise your deductible – This will save you up to 40% on your insurance coverage premiums. This will additionally prevent you from filing numerous small claims which will cause your company to raise your rate.

Bundle your insurance – Purchasing your home and automobile insurance through the same insurance company may save you as much as 15% a year on your insurance costs.

Installing safety devices in your home, like burglar alarms plus smoke detectors, can get you a good-sized discount.

If you are a senior citizen, you can get a 10% discount with many insurance companies due to the fact that they assume you mostly stay at home and will protect your property from fire and theft.

To get free online homeowners insurance quotes click on the following link to get online homeowners insurance rate quotes from top rated companies and see just how much you’ll save.levitra or cealis

There are 3 types of income you can earn. There are 3 separate categories, and only 1 can set you free. It comes down to time and money freedom.

Most people either have lots of money and little free time, or lots of free time and little money. Having both time freedom and money freedom is rare.

It’s rare because people spend their entire lives trying to work harder and harder in a job, for a boss they don’t like, and never manage to get ahead. They think working harder on their job is the answer, but they’re barking up the wrong tree! If instead they focused their hard work (even in their spare time) on a different type of income they could probably have retired years, even decades, before they did.

And then there are the rich. They seemingly have it all. They have abundant cash, and spare time with which to enjoy it. They usually have an ongoing source of income that pays for their lifestyle without them having to go to work.

So What Makes The Difference?

The real secret of the rich is that one source of income isn’t really more difficult to build up than another. It all comes down to where you focus your time and effort.

1. The first type of income is The One Time Sale, or contract/freelance work.
You complete the job for the client and get paid. It’s not a regular job, and you need to line up many different clients in order to make a good living. This is usually the income of the self-employed worker.

2. Linear Income. If you work in a job this is your income-type. You get paid if you’re there working, and the money stops if you decide not to turn up. Even if you are in a very high-paying job, you still only get paid when you are actually working. This type of income is actually the least secure of them all because you are not in control. The company can get rid of any employees at any time, leaving you stranded with no source of income.

A rich person would never put up with such a lack of control, which is why they choose option 3.

3. Residual Income. Residual income is the most powerful of the 3 income types. “Residual income” means you will continue to get paid long after you stop working, which gives you the power to greatly increase your free time, or focus on sky-rocketing your earnings. Or both!

An example of residual income would be books sales for an author, or rent payments for a landlord, or profits from a self-running business.

It seems like residual income is out of reach for most people, unless they have super talents to write bestselling books or invest heavily in property, or hire staff.

But with the many legitimate home businesses now offering residual income opportunities, like Ardyss International,  it no longer makes sense to remain stuck in a job you hate.

Do the work one time, get paid repeatedly. Claim the royalty payments your home business can generate!

And the best part is, with a home business, you get to work as part of an existing team and follow successful advice. So you’re not left to figure things out for yourself.

Mix your income sources, and learn the lessons of the rich!

Finding Freedom From All That Debt Can Feel Impossible-Find Out What You Can Do

Debt can really mean trouble for so many people and often times it can lead to severe devastation, when things just do not get paid off eventually. Ignoring your debt can cost you an enormous amount at the end of the day because what could potentially end up happening is, you could very easily lose all of your assets and property, and I am very certain that nobody out there anticipates something such as that happening to them, right.

Do not let your debt cause this to potentially happen to you down the road. Lack of responsibility is sometimes to blame but honestly there are many occasions where it is only because of an individuals ability to earn enough money to afford to pay off their debt and so many times they are either ashamed, so they avoid ever even thinking about it or they just do not have the money, so feel as though they need to hide out from the people calling them consistently, as well as sending them threatening letters each day in the mail at their home.

Your actions in trying to find that financial freedom you have been searching for for so long now is not something that will come easy for many but there are also plenty of people out there that are so tired of worrying about debt, that they would try to do just about anything to help in preventing more debt or to atleast get out of some of the debt that they are currently involved in, which is creating so much turmoil in their lives.

Finding financial freedom from all or most of that debt can feel seriously impossible but throughout articles such as these, you are going to get little helpful hints that could very well provide you with some of the answers to many of the important and understandable questions that you currently have about debt or have had in the past, but were just too unsure to feel confident enough to ask them.

Freedom from debt, all of it or just one or two less payments each month, can dramatically create fabulous changes within your life and make it much easier to survive paycheck to paycheck, which sometimes feels like an impossibility for way too many people. Debt problems are the number one cause, in my opinion, for all of the stomach problems out there that people are suffering from, as well as the many awful divorces that are occurring right now as we all sit here, reading this article.

Your freedom rides on whether or not you are going to have the strength and determination to cut corners when needed, spend only when necessary and live by your means each and every month that passes, without too many excuses or exceptions to the rules. Allowing little mistakes constantly can surely add up at the end of the day, creating unwanted debt and putting more stress on you than you would want.

Best Way Out Of Debt Is To ==> Start Making More Money
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Unfortunately, throughout the years, more and more people are becoming victims of enormous credit card debts that they probably will never get paid off. It is a shame to know that so many people feel that they NEED so many things but realize the only way that they could possibly get those things is by using their credit cards, and they normally have plenty of them to choose from!

Credit card debt has increased drastically throughout the past several years and it does not look like many people are yet realizing just how bad this problem is. If you are struggling each month, trying to figure out how in the world you will ever have the ability to pay all of your credit card payments on time, then you should definitely continue reading this article.

It is very important for people to understand how dramatically credit card debt can affect your financial standing, or lack thereof. Credit card debt is one of the leading causes why an individual would end up having to file for bankruptcy or take out mortgage loans on their homes or other drastic things such as that. People become so caught up with trying to make purchases that are just not feasible, never considering how much it is going to cost them down the road, because of the enormous interest rates.

Start choosing to simply throw away all of those credit card offers that you get in your mail so regularly, trust me, you do not need anymore debt people! These credit card bills will continue adding up and the next thing you know, you are going to be skipping payments and when that does happen, be prepared for an outrageous monthly bill, which you know for sure there is no way you can afford it!

To all of you young adults that have not yet gotten in severe credit card debt yet, do not do it, do not let this endless cycle of unbelievably expensive debts take over your life. If you can start your adult life out without too many unnecessary debts, such as credit cards, your life is going to be much more enjoyable and much much less stressful.

Because of the fact that credit card debt has gotten so unbelievably out of hand, perhaps you could start a new trend and try staying clear from getting yourself into so much debt. So, start now by trying to focus on doing positive things to make your life easier and once you start achieving those goals, you are going to sleep much better at night and feel much more positive when it comes to every aspect of your life.

Be responsible for your actions and if you have gotten yourself into a tremendous amount of credit card debt, make those monthly payments or try working extra hours so that you can start doubling up your monthly payments or even paying some of them off completely.

Best Way Out Of Debt Is To Start Making More Money To Pay Down Those Debts
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