After Xmas shopping - Poor people mentality

This morning, hundreds of thousands of people got up at 4 A.M., 5 A.M. or 6 A.M. and went to wait in lines outside malls and stores, to be first in for the big after-Christmas, 1-day sales. If you were amongst 'em, I apologize for offending, but I find this hilarious. Most of these folks would scream bloody murder if asked to get up at 4 A.M. to study or work, and get in a few extra hours of self or business improvement. But lining up in winter drizzle and bitter cold temperatures outside Kohl's, happy to be there. If aliens arrived at 5 A.M. at the shopping center today looking for intelligent life on earth, they hustled right back outta here faster than you can say U.F.O.

.........

This is the beginning of an email I got from Dan Kennedy yesterday. He is a great business and marketing guy and his statement really illustrates the stupidity of the masses.
While everyone is complaining about how bad the economy is (and it is), most people are doing only stupidities.

It all starts in your mind!

We all know it is a tough financial period, and yes it's not your fault but this should not be an excuse for you. In fact many people are going to be exactly the same during economic growth.

In order to be successful you have to delete this poor person mentality.
Don't get it wrong, discounts are a great thing, but it's a shame that people would do crazy things for almost nothing and stay passive when it's important to act.

Good job to the stores btw...

Frank Kern and Tony Robbins - New Marketing

Frank Kern and Tony Robbins are talking about how to sell in this tough economy. The traditional lame marketing approach is not working anymore. In this video Frank give a great marketing example of how it should be done.

Mike Maloney Conference - Debt, Golds, Silver, Economy

Mike Maloney is wealth cycles expert. This is 1 and a half hour conference held by him. Very informative material. It's about the current economy and investments, so if you really want to know what is going on and how you should position yourself, this is a must.

Anthony Robbins - Business Mastery

A fancy video by Tony Robbins for everyone involved in business.

Are You Suffering From The JOB Syndrome?

GET A JOB!!!!!
IF YOU ALREADY HAVE A JOB, GET A 2ND JOB!!!!
THAT'S HOW YOU MAKE MONEY!!!

YOU HEAR THIS CRAP ALL THE TIME...

Now we are not against jobs, but the sad fact is that having a job will not make you rich and financially free unless you are famous athlete, movie star or music star.

This thing about having a job in 90% of the cases is pure survival and the rest is overworking. Jobs are OK for the average people. But as you know if you want to have financial success you must not be average.

JOBS stands for: Just Over Broke Syndrome

Following the crowd is stupid, leading the crowd is smart. Leaders provide jobs, followers have jobs.
If you want to be financially free you must be a leader, you must have a business and other people will work for you so you become rich and they... Well, they will be suffering from the job syndrome, but you know what? They want it and they prefer it. They prefer the sense of security instead of freedom. That's why they want to get a job. They are just different than us.

Tim Ferris - The New Rich - Best Selling Author

Timothy Ferris is probably best known for his book "The 4-hour workweek".
In this book he talks about the New Rich and the importance of having more free time.
I highly recommend this book because it will make you think.

You can learn a lot from this man. He is young, he is rich and he is cool.

Now, traditional thinking sucks. And if you want to be poor, tired, stressed etc., go that way. The sad truth is you can't learn to be what you are dreaming to be if you listen to people without a clue and people who have the old mindset. Because we are living in the information age, we have the tremendous opportunity to have access to some of the world's best sources for information. Successful people ca give you the shortcuts.

Tim Ferris is a guy who thinks outside the box. He is constantly using his brain to succeed in things and tasks where he does not have any experience. Ultimately he has built the life he had wanted for himself. And building a life is the ultimate goal for everyone.

This is a 1h+ interview with him. If you have time, watch it.

Books To Read In Order To Become Financially Successful

We have written about films to watch in order to condition yourself (conditioning is huge!!!) to become successful. We also have to talk about books. There are tons of books out there that are really good and the best thing is you don't have to pay a lot to get them. The business and marketing books usually cost between $5 and $20 so there is no excuse not to read some of them. Some of them are even shared for free online.

So here are some recommendation...

Books To Read In Order To Become Financially Successful

- All books by Donald Trump
examples: The Art Of The Deal; Think Big; How to Get Rich; Never Give Up ... etc

- All books by Robert Kiyosaki and the Rich Dad advisors
examples: Rich Dad, Poor Dad; The Cashflow Quadrant; Choose to be Rich; Unfair Advantage

- Marketing books by Philip Kotler

- "The Millionaire Messenger" by Brendon Burchard

- "The Art Of War" - Sun Tzu (it's military book)

- "Sun Tzu and the Art of Business: Six Strategic Principles for Managers" by Mark R. McNeilly

- "What Would Machiavelli Do?" by Stanley Bing

- Any Microeconomics manual with the basics

OK so this is just an example list of some very good books you can get valuable information from. I'm not saying read all these books and you will be fine. Books alone will NOT make you rich and successful but they can give you the right mindset and the right direction.

That's it.

The most important people for an entrepreneur!

We are talking about business here. The most important people for you in your business.
Many times the people you love the most in your personal life are not going to like the idea of you running a big business, especially if you are just starting. Many times your family and your friends will not give support. If you have their full support, great! But unfortunately most of us do not (or did not) have that advantage. Usually friends pull you back when it comes to business so who are the people who can push you?

These are the most important people for an entrepreneur:

Your Accountant (CPA)
Make sure you have a good one. Taxes are huge thing.

Your Banker
You don't hire him, but he usually provides the finances.

Your Lawyer
All legal things have to be OK, or you will have troubles.

Your Managers
As a big entrepreneur you have to outsource many of the managing tasks to other competent people.

Your Secretary
Or your personal assistant. They are very close to you and help you a lot.

Note: If you have well designed business, everyone in your team is important.

Frank Kern - Results In Advance Marketing Theory

Frank Kern is one of the best known internet marketing guys. He definitely knows how to make money and he is great marketing guy. This is his "Results in advance" marketing theory which had made him millions of dollars. It's designed for internet marketing but if you use your brain you can implement it everywhere in almost any business.
Watch the 2 parts. It's just 12 minutes and it's very good marketing conception.

Starting Your Business Career Form ZERO 0

Many people have started from scratch and have made fortune. You can be one of them.
But how to start, what to do first, how to create successful business.
Here are our recommendations for beginners who have little or nothing to invest and do not have a lot of experience:
- Start learning - learn successful businesses and successful people, learn about finances, learn about marketing, learn the systems, condition your mind and focus
- Take action - start part-time business, the easiest and the cheapest way to start business is online, internet has many opportunities... another option is network marketing... do a research a start something
- Learn from your experience - don't give up if you fail the first time. Instead of complaining about what happened, try to figure out how it happened and how to prevent it next time.
- Once you develop successful business - leverage!

Build Your Financial IQ - Robert Kiyosaki

We feature so many Robert Kiyosaki videos because:
1. He is a great entrepreneur and investor
2. He teaches in a very easy to learn way

So learn a little more about about financial IQ and financial intelligence.

Common Limited Resources - Time and Money

Simple tip for people who want to expand their business.
What are the most popular excuses that people make when they face any problem in their business?
90% will answer one of these 3 things:
- I don't have time
- I don't have money
- I don't have luck
We are not going to talk about luck now. Sometimes you have it, sometimes you don't.
So lets focus on the other 2.
Time. Hey, don't try to do everything yourself. Use other people's time, use new technology, outsource.
Money. As a business you can use other people's money, too. There are bank loans, there are investor, business angles, etc.
It's easy to find an excuse to not do something, but you better find a reason to do it.

Why people miss the targets? - Tony Robbins

So many times you are so close to achieve your ultimate goal, to hit the center of your target, but you don't know it and unfortunately people usually give up. Never give up! You are on the right way, listen to what Tony Robbins says, watch the video below, and don't make excuses to not be successful. Business is about mentality, first.

Eben Pagan: How To Increase Personal Productivity

Personal productivity is very important factor for everyone, especially if you are an entrepreneur. In the video below Eben Pagan (one of the top internet marketers) is talking about how to increase it giving away a very simple tip. Yes, the video is made to promote one of his programs but it is valuable and you should listen to it. He is also mentioning the "people with jobs" mentality which is terrible if you are an entrepreneur and you must not have it.

Business Inspiration From Movies

Inspiration and motivation are huge factor when it comes to conditioning yourself to become successful in business. A good way to inspire yourself is by watching good movies related to the topic of business and entrepreneurship, making money etc.
So here is a list of some movies I think are very good for your business inspiration:
Wall Street (1987)
Pirates of Silicon Valley (1999)
Boiler Room (2000)
Startup.com (2001)
The Corporation (2003)
The Social Network (2010)

There are many more of course. Watch some of them and then TAKE ACTION!

Robert Kiyosaki On Why To Invest In Gold And Silver And Why Cash Is Trash

Ok, again Robert Kiyosaki but I think his advices and thought are very easy to understand. In this video he is telling you why CASH is TRASH. Paper money has ZERO VALUE. Silver and gold have value. That's why people better invest in gold and silver and not hold a lot of cash. Cash has no real value. It's just paper with ink. Watch the video and take action.

Robert Kiyosaki : Let Your Money Work Hard For You

5 minutes and 9 seconds - In this short amount of time Robert Kiyosaki will explain you why you should not work hard for your earnings. Let you money work for you. That's what rich people do. For some people this video is nothing new, they already know this things, but if you are beginner and you want financial freedom and ultimately become ultra rich, listen careful to these tips.

5 Disadvantages of Mutual Funds

Before you invest, you should do your homework. Will you choose to use mutual funds, closed-end funds, ETFs, and/or individual stocks and bonds? Inevitably, your homework assignment will lead you to articles outlining the disadvantages of mutual funds. But are all of these so-called disadvantages of mutual funds really disadvantages of mutual funds? Let's take a look at several so-called disadvantages of mutual funds, and how you can avoid them.

*Disadvantage 1: Mutual Funds Have Hidden Fees

If fees were hidden, those hidden fees would certainly be on the list of disadvantages of mutual funds. The hidden fees that are lamented are properly referred to as 12b-1 fees. While these 12b-1 fees are no fun to pay, they are not hidden. The fee is disclosed in the mutual fund prospectus and can be found on the mutual funds' web sites. Many mutual funds do not charge a 12b-1 fee. If you find the 12b-1 fee onerous, invest in a mutual fund that does not charge the fee. Hidden fees cannot make the list of disadvantages of mutual funds because they are not hidden and there are thousands of mutual funds that do not charge 12b-1 fees.

*Disadvantage 2: Mutual Funds Lack Liquidity

How fast can you get your money if you sell a mutual fund as compared to ETFs, stocks and closed-end funds? If you sell a mutual fund, you have access to your cash the day after the sale. ETFs, stocks and closed-end funds require you to wait three days after you sell the investment. I would call the "lack of liquidity" disadvantage of mutual funds a myth. You can only find more liquidity if you invest in your mattress.

*Disadvantage 3: Mutual Funds Have High Sales Charges

Should a sales charge be included in the disadvantages of mutual funds list? It's difficult to justify paying a sales charge when you have a plethora of no-load mutual funds. But, then again, it's difficult to say that a sales charge is a disadvantage of mutual funds when you have thousands of mutual fund options that do not have sales charges. Sales charges are too broad to be included on my list of disadvantages of mutual funds.

*Disadvantage 4: Mutual Funds and Poor Trade Execution

If you buy or sell a mutual fund, the transaction will take place at the close of the market regardless of the time you entered the order to buy or sell the mutual fund. I find the trading of mutual funds to be a simple, stress-free feature of the investment structure. However, many advocates and purveyors of ETFs will point out that you can trade throughout the day with ETFs. If you decide to invest in ETFs over mutual funds because your order can be filled at 3:50 pm EST with ETFs rather than receive prices as of 4:00 pm EST with mutual funds, I recommend that you sign up for the Stress Management Weekly Newsletter at About.com.

*Disadvantage 5: All Mutual Funds Have High Capital Gains Distributions

If all mutual funds sell holdings and pass the capital gains on to investors as a taxable event, then we have a found a winner for the list of disadvantages of mutual funds list. Oh well, not all mutual funds make annual capital gains distributions. Index mutual funds and tax-efficient mutual funds do not make these distributions every year. Yes, if they have the gains, they must distribute the gains to shareholders. However, many mutual funds (including index mutual funds and tax-efficient mutual funds) are low-turnover funds and do not make capital gains distributions on an annual basis.

In addition, retirement plans (IRAs, 401ks, etc.) are not impacted by capital gains distributions. There are also strategies to avoid the capital gains distributions including tax-loss harvesting and selling a mutual fund prior to the distribution.

There are advantages and disadvantages of investing in each and every investment vehicle. However, if you come across a list of the disadvantages of mutual funds, scrutinize each item on the list and determine if it applies as a disadvantage of mutual funds or a disadvantage of a particular mutual fund or to investment vehicles as a whole regardless of the structure, by Lee McGowan, About.com.

Author:

http://delicious.com/financial_advisor

http://delicious.com/market_timing

Success Marketing Stories: Guy Laliberté

This is a short video with one very successful man - the Canadian billionaire Guy Laliberté. He definitely deserves the Marketing Hall Of Legends award because of the things he had done with his business Cirque Du Soleil. The entertainment industry is great and this man is one of the masters.
Simple tips: have or create a good product, deliver it to the right market, and be consistent. Everyone can succeed.

Why Financial Knowledge Is Important for Everyone?

I'll be short and clear.

Without Financial Knowledge You Will Struggle In Life!

No matter what is your profession and what you are doing you need money to live so make sure you you have at least basic financial knowledge or you will always have financial problems.
Invest in your financial IQ!

Eben Pagan on How To Stop Procrastinating

Here is a short video that I think is going to be very helpful for a lot of people because a lot of people have problems managing their time. Eben Pagan is one of the most popular internet marketers and he is very smart financial expert. In this short video Eben is talking about how to stop procrastinate. Listen and apply his easy tips and advices and you will achieve much better productivity in your business and life. If you want to reach your big goals, you have to be able to manage your time. Start with this video here.

Sir Richard Branson Talks About Marketing And Business

A few marketing and business tips from Sir Richard Branson - president of VIrgin.

Donald Trump Motivational Speech - THINK BIG

Listen carefully to this speech by the billionaire Donald Trump. His tips are great, you have to think big in order to succeed in business. Control your destiny!

4 Common Reasons Why Your Car Insurance Could Be Dropped

Car insurance is probably a big expense for almost everyone so it's very important for your financial statement.

Although car insurance is regulated by state policies, there are cases where a car insurance provider will drop their policyholders for reasons that do not necessarily involve a violation against insurance laws. Auto Insurance Leads might go over these reasons when evaluating clients to be included in their listings. You may have problems looking for another insurance company if your current car insurance provider rejects you. To avoid having your auto insurance being dropped, be aware of the things that could cause this to happen to you.

You are not eligible

Insurance companies typically review an applicant's eligibility for insurance for a 60-day period. Your application can be denied if you have an undesirable history of numerous traffic violations and unfavorable claims. You could also be rejected if you do not provide proper requirements like proof of your previous insurance coverage. If the company drops your application, they will usually send you a notice in advance.

You are determined as high risk

Insurance companies usually follow a standard procedure to determine whether an applicant is inexpensive or risky to insure. If you had a lot of accidents in the past and your insurance premiums weren't enough to take care of the damages, your insurance company may drop you when they find out. Low-risk clients and people who can consistently pay their premiums are preferred by insurance companies. Felony convictions and a bad credit record will not be favorable for you and will only cause you to be assessed as high risk and make it possible for your policy to be dropped. Although there are insurance groups that specialize in providing insurance for high-risk drivers, their policies are usually very expensive.

You are involved in misrepresentation or fraud

In the event you were guilty of insurance fraud, the insurance company can end your coverage when it is legally possible. Aside from losing your policy, you may also be criminally prosecuted under state laws. If the insurance company finds out that you misrepresented information, they could also drop your policy. This may happen even after the 60-day window has passed.

Your driving history has major traffic offenses

Reckless driving and driving under the influence are among the major violations that an insurance company can use as basis to terminate your coverage. This will be the case even more so if these violations result in your driver's license being suspended. Generally, insurance companies go over vehicle reports of their customers periodically therefore previous violations will likely be found out.

Your car insurer can drop your car insurance because of different reasons but you should remember that your driver's rights are also protected by state law. In cases where you feel that your driver's rights were disregarded or that you were refused insurance coverage on unreasonable grounds, you may consult and file a report with insurance regulators.

About the Author

If you need help on Auto Insurance Leads, check out http://www.toppickleads.com/auto_insurance_leads.html

Peter Schiff on the Economy Meltdown

Why the Meltdown Should Have Surprised No One is a lecture that Pere Schiff (famous financial expert) presented 2009 on Austrian Scholar Conference. Now it's a tough economic time and he explains all that.

Self-made Millionaire at age 14

Farrah Gray is one extremely smart young man. His story is incredible. He started from zero and he became a millionaire when he was just 14 years old. This can be great inspiration for many young people who want to succeed financially. IT IS NEVER EARLY TO START
Don't listen to the poop fools who do not accept young entrepreneurs and businessman. Start as soon as it is possible.

Robert Kiyosaki about financial freedom

Robert Kiyosaki is very well know businessman. He is also top selling author of books like "Rich Dad, Poor Dad". His financial advices may help you a lot realizing how to achieve financial freedom. In this blog, I'm going to post several videos by this man, because I thing they are very easy to understand by people. You need to be a little bit smart to succeed.

How to Become a Financial Analyst

The financial analyst Gregory Bramwell-Smith speaks about how to become a professional financial analyst expert. What you need how to make it. This is a small tip but it show a possible direction. So if you want to be financial analyst start with the video below. 

Maslow Marketing: Understanding the Needs of Your Market

These are marketing basics everyone must know.

When Abraham Maslow conceived his Hierarchy of Needs in 1943, he couldn't possibly have known that it would be one of the most influential advances in the fields of marketing and human behavioral study - remaining so well into the subsequent century.

Maslow Marketing Hierarchy



The theory developed by Maslow put forth that the motivation for any action made by any human being is an unfulfilled need. When we have unmet needs, we are motivated to meet them in a specific order. Once the needs on the first level are met, we move on to the needs of the next level, and so on until we reach the top tier.
The first level that we are concerned with is our physiological needs: the basic things that keep us alive. Safety needs are met next, followed by social needs. We then move into the less tangible needs of esteem and, finally, self-actualization. Any student of the Maslow theory will understand how it can easily fit into a marketing context. When we attempt to make a sale, we are not only selling the product: we are selling the idea of the product, the image of the product, and the result of the product. We are essentially promising to fulfill one or more of the needs in the hierarchy.

Obviously, a marketing campaign will be more successful the more it appeals to the lower levels of unfulfilled need in a person's life. What this means for you, the marketer, is that knowing your audience's needs is key. A product that promises to fulfill an esteem need will be virtually useless to a customer whose safety needs are not yet met.

In order to be successful in any marketing endeavor, the first step is to get a firm grasp on the psychographic motivators to which you will be appealing. Which need on the hierarchy is your product going to fulfill? How will it fulfill this need, and how can you prove to your potential customers that it will effectively fulfill their need?

Maybe a more important question is how you can tell which level of need your potential customer is currently attempting to address. If a customer comes to you asking for your product, then they are doing a large portion of your work for you. However, it's exceedingly difficult to understand the needs of a complete stranger when you are attempting a cold sale.

The best way to overcome this obstacle is simple, and it's one that every marketer is taught from the very beginning of their career: just talk. Talk about sports, the weather, or family life - anything other than the product you are trying to sell. Chatting with your potential customer in a friendly, non-pressured way will allow you to pick up on invaluable clues about their needs.

Once you understand why your potential customer may be motivated to buy, you are one step closer to being able to fulfill their unmet need. By identifying their motivating factors, you can cater your sales techniques to each individual customer. By analyzing the needs of customers at large, you can now effectively market to your target audience as a whole.

Maslow's theory remains the basis for most management practices today. However, it can be equally successful when applied to marketing practices. The key, as always, is to know how to help your customer decide that your product will change their life.

Daiv Russell is a management and marketing consultant with Envision Web Promotion. Read more Articles about Management, learn about Abraham Maslow and Maslow's needs hierarchy at his web site.

Harvard Business: What Managers Need to Know

You don't need to know difficult financial details to be a good manager. Watch this video from Harvard Business Publishing about what managers need to know.