Digg it UP - Finance

How to Think Outside the Box by Looking AT the Box
Nobody notices normal. I learned that early in life when I discovered my secret calling to be a class clown. I quickly learned that the key to being funny is in saying what people don’t expect you to say - taking assumptions and shattering them. It’s not about fitting in. It’s about getting noticed. When you are different people remember you. It’s something that has been proven true throughout my years as a writer, storyteller, comedian, and professional speaker. Look around you at the different industries to examples of what I’m talking about. Musicians who succeed are those who have a different sound. Comedians who have a unique perspective on life. Speakers with a different concept. Reality TV. Commercials with talking lizards. I rest my c

If you have a tendency to overspend, limit your extravagances by relying on paper currency instead of plastic. Set spending limits before you leave the house, whether you’re shopping for groceries or heading to the mall to buy a new pair of shoes. If you find yourself reaching for your credit cards, freeze—and don’t move an inch until you can answer the following questions:

• Why am I breaking my own rule?

• Am I b

What's the Rush?
I get a lot of emails from people asking me what kind of return they can expect from their net marketing business within the first ninety days. This is a tough question to answer.For one thing, everyone has their own learning curve. Also, we all come to this business with different levels of experience and different financial capabilities.But generally speaking, anyone who wants to know how much money they can make with a ‘business’ in 90 days or less probably needs a quick shot of reality. I’m not trying to be rude; I’m just making a point.Business is NOT a good way to make quick cash. If you need money within the very near future, I’d say your best bet would be to get a part-time job.It takes time to build any ty

You’ve probably never heard of Frank X. McNamara, but he revolutionized the way you shop on a daily basis.

One evening in 1949, McNamara—head of the Hamilton Credit Corporation in New York City—was dining out with two business associates. Their topic of discussion: one of McNamara’s clients, who was defaulting on a loan because he had shared his gasoline and department-store credit cards with some friends in need. Unfortunately, the friends didn’t have the money to pay back what they had borrowed, so the good samaritan was now facing his own financial demise.

As the meal ended, McNamara reached for his wallet so he could pick up the check. To his horror, he realized he had left it at home—and was forced to call his wife so she could bring him the cash he needed to settle the tab.

This fateful meal led to an invention that has transformed how the world handles money to this very day: the credit card. While previously available gasoline and department-store credit cards allowed users to make purchases at a single location, McNamara’s personal plight—and that of his well-meaning client—prompted him to create a credit card that could be used in multiple venues. The Diners Club card was born. In its first year, 200,000 consumers signed up for one.

The rest is history. After carefully observing Diners Club’s success, American Express and Bank Americard (soon to be renamed VISA) followed suit. Thank McNamara the next time you pay with plastic.

But has McNamara’s novel concept become more of a curse than a blessing in your life? Are your credit cards managing you—and is your debt spiraling out of control?

Here are 5 ways to tame the credit card beast.

1. Know Your Limits

• Why am I breaking my own rule?

• Am I b

What Can We All Learn from Network Marketing? Seven Lessons for Every Business
Network marketing, or multi-level marketing, is one of the fastest-growing business models of the past few decades. Between 1993 and 2003, total direct selling revenues grew by 7.1% annually, dramatically above the rate of growth of the economy -- and of total retail sales (according to the Direct Selling Association).The most prominent examples of direct selling companies include Amway, Avon, Mary Kay, Nu Skin, and Herbalife, which recently went public. In 2003, U.S. total direct selling sales totaled more than $29 billion, or almost 1% of the over $3,397 billion for total U.S. retail sales (U.S. Census Bureau).Any business model that has achieved this kind of success probably has lessons that all business people can learn fro

ely, the friends didn’t have the money to pay back what they had borrowed, so the good samaritan was now facing his own financial demise.

The rest is history. After carefully observing Diners Club’s success, American Express and Bank Americard (soon to be renamed VISA) followed suit. Thank McNamara the next time you pay with plastic.

But has McNamara’s novel concept become more of a curse than a blessing in your life? Are your credit cards managing you—and is your debt spiraling out of control?

Here are 5 ways to tame the credit card beast.

1. Know Your Limits

• Why am I breaking my own rule?

• Am I b

Affiliate Marketing - Multiple Streams of Income
Multiple streams of income. Most of you will by now have heard that phrase. However, how many people actually know what this means? In a nutshell, it means that, to ensure the survival of your business, don’t put all your eggs in one basket.If you have an affiliate marketing business marketing only one product, what do you do if the income from that product suddenly dries up? The answer is to market more than one product so that you are not solely dependant on one source of income. In other words, it is essential that you diversify. Nearly all the well known (and some not so well known) established internet marketing entrepreneurs have multiple streams of income in order to protect their businesses from this possibility.Ha

how the world handles money to this very day: the credit card. While previously available gasoline and department-store credit cards allowed users to make purchases at a single location, McNamara’s personal plight—and that of his well-meaning client—prompted him to create a credit card that could be used in multiple venues. The Diners Club card was born. In its first year, 200,000 consumers signed up for one.

The rest is history. After carefully observing Diners Club’s success, American Express and Bank Americard (soon to be renamed VISA) followed suit. Thank McNamara the next time you pay with plastic.

But has McNamara’s novel concept become more of a curse than a blessing in your life? Are your credit cards managing you—and is your debt spiraling out of control?

Here are 5 ways to tame the credit card beast.

1. Know Your Limits

• Why am I breaking my own rule?

• Am I b

Using Email to Market Creatively
The average employee corresponds to other companies via e-mail over ten times a dayTen times a day is a rather frequently, especially when you look at it over the span of the whole company. Even a small company with 5 people, you are sending out fifty e-mails a day.Now consider turning your email into a subtle marketing campaign. That is fifty potential advertisements a day, possibly more. Even if you are responding back and forth with the same people, each time they see the advertisement they are more likely to be interested. Think about how many times you see the same commercial on TV before you buy a product/service/etc.So now the question is what can you do to turn your email into a marketing campaign.tory. After carefully observing Diners Club’s success, American Express and Bank Americard (soon to be renamed VISA) followed suit. Thank McNamara the next time you pay with plastic.

But has McNamara’s novel concept become more of a curse than a blessing in your life? Are your credit cards managing you—and is your debt spiraling out of control?

Here are 5 ways to tame the credit card beast.

1. Know Your Limits

• Why am I breaking my own rule?

• Am I b

Entrepreneurs: Don’t Sell It - Give It Away!
You’ve worked really hard, your product is at last finished, so why on earth would you give it away? Well because it works – here’s why.The internet grew up on the premise of giving stuff away. No one has ever expected to pay to view information on an internet web site. This has resulted in most internet businesses having to devise complicated business models to make a living. Here’s the most popular one. “Give and you shall receive.”Surfers on the web love getting something for nothing. They won’t buy immediately from you, so don’t disappoint them and give them what they want. Still don’t see the point?The benefit of giving something away for nothing is:* You establish your business name with your potential cus

• Why am I breaking my own rule?

• Am I being self-destructive with my financial health?

• Do I really need this item, or is my ability to say “charge it!” clouding my good judgment?

2. Learn from McNamara’s Client

As McNamara’s client learned the hard way, loaning your credit cards to even those closest to you is a surefire way to accrue debt. You are giving your spouse, children, other relatives and/or friends carte blanche to spend up a storm—and you are the one who is legally obligated to pay the bills that will find their way into your mailbox at the end of the month. Be extremely selective when passing the plastic to anyone who can run up a bill—and fail to pay you back.

3. Show Interest in Interest

Surveys consistently show that most people make only the required minimum payment on their credit card bills each month, leaving them with an outstanding balance that continues to climb. Not only do additional purchases add up, but you are continually paying interest on your existing and new balances—a sometimes considerable fee that has catapulted many consumers into life-altering debt.

Today, the average American family, for example, owes approximately $8,000 on its credit cards—and the credit card companies could not be more pleased. If 115 million families owed you money—on which you earn finance charges and late fees every month—you would be positively giddy, too.

Let’s say you have an outstanding balance of $2,000 on a single credit card. Your annual interest rate is 9%, and your credit card company requires you to make a minimum $30 payment each month. Assuming you do not miss any payments (which would cause your interest rate to rise, as well as add late fees as high as $40 per month), it would ta

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Work Life Balance, and How to Get There As Your Own Boss

The corporate world is a dangerous place for your health today. We are a nation full of sleep deprived people who eat fast food, rarely exercise, and spend so much time at work that their relationships with friends and loved ones suffers. There is a solution to the work life balance problem, and it's called becoming your own boss. It's easier than you might think, here's how...

SEO – How to Get A Top Ranking in Google

This article describes how to get a top position in Google; it also tells what not do when trying for a high ranking position.

Tips to Get the Best from Your Online Credit Report and FICO Score

One of the biggest advantages of online credit reports is the convenience of being able to look at it on your own computer in the comfort of your own home. It can be done in minutes and is obtained through a third party, such as through Equifax, Experian, or TransUnion or through a reporting agencies’ own website. It is easy to do, you simply enter your personal information and answer any questions they may ask about your past and the credit report is yours!

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