Thursday, March 13, 2008

10 COMMANDMENTS OF GREAT MONEY MANAGEMENT

1. Thou shall have apportion or percentage of your income preferable 20% to save on all your income every time, by all means be constant with it because what you save will Save you and what you keep will keep you.

2. Thou shall not by any means or anyhow spend a cent or a dime on what you don’t absolutely need. Impulse buying must absolutely stop existing in your life.

3. Thou shall sow 10% of your income into God’s work as tithe and be satisfy with the remaining 90%.

4. Thou shall write down your financial goals. How much you want to save and make within six months, one year, two years and so on.

5. Thou shall write down your spending plans for you to effectively use your money

6. Thou shall invest at least 10% of your income in stocks and shares, real estate and business for further growth.

7. Thou shall have a financial adviser and attend seminars at least three times in a year.

8. Thou shall invest in your knowledge and brain more than your physical appearance because your input determines output.

9. Thou shall develop an alternative source of income to your salaries. You can be wealthy working for your boss.

10. Thou shall take time to carry your spouse along. For it will save you from a lot of headache, plan your financial goals together.

Tuesday, March 11, 2008

7 TIPS TO CONSIDER IF YOU REALLY WANT TO CREATE WEALTH

1. BUSINESS ARE CREATED FROM THE DESIRE TO SOLVE PROBLEM
If your desire is to own a business, then it means you have to look for a problem to solve. You have to think out ideas of how you can go about solving the problem at a cost and convenience that will be acceptable to the person who is in need of the solution. Your continual execution of these ideas and strategies makes up the business.
And the larger the population of those you are providing the solution for, or the greater the problem is, the greater and more rewarding the business will be.

2. WHO ARE YOUR TARGETS, POTENTIAL CUMSTOMER AND WHERE ARE THEY?
Your ability to clearly define your core customers will not only allow you to be focused on creating products and services that directly and effectively solve their problems; it will also prevent you from dissipating your resources in trying to satisfy everybody- no single business can meet everybody’s needs.
Equally important is to know exactly where to find the people who need your solution. This will enable your to employ the best and cost effective strategies to reach them with your offer.

3. EXPANSION IS THE KEY TO BUSINESS SUCCESS.
After establishing a firm foundation, your next move should be to quickly replicate your business in other locations, locally and internationally. You must not remain static, your products and services may be needed strongly elsewhere-even more than the demand is at the place of origin. Certainly, operating from several locations, providing multiple sources of income to your business is a factor to business than just one. Always remember that expansion is crucial to a business success.

4. MAKE WIN-WIN YOUR STAND WITH STAKEHOLDERS
The stakeholders of your business are people or organizations such as customers, investors, employees, suppliers, etc. These are people who have the capacity to affect your business in no small way. And that means you very much need their support to achieve your success. The best way to gain these people’s support and loyalty is to show concern and take care of their interests and needs in your relationship with them-let your dealings be win-win.

5. GIVE EQUAL CHANCES TO YOUR EMPLYEES TO PROGRESS
A big motivation to any employee is to know that they can climb to the highest position in the organization through excellent contributions to the organization. They will give the best of their creativity, talent and dedication to the business.

6. FIND INNOVATION WAYS TO BEAT THE COMPETITIONS
You will always have competition as long as your industry exists and when there is much money to be made it becomes even stiffer. To stay ahead of the competition therefore requires high degree of innovation from your business. You must continually come up with new and better ways of satisfy your customers.

7. DIVERSIFYING INTO RELATED BUSINESS MAKE YOU MORE COMPETATIVE
In addition to the fact that moving into related business increases your revenue, it also enables you to compete effectively in your industry as you offer your customers a wide range of products or services. Failure to extend into closely related business areas can be dangerous because it may leave room for competitors to gradually eat on your market share.

DON’T THROW AWAY THAT BRILLIANT LIFE CHANGING IDEAS!

I have never stopped being baffled about how people throw away brilliant life-changing
Ideas simply because nobody has done it before…
While some group of people are in this position, another group of people will not do anything about their inspired ideas because someone else is already doing it. However, whoever is using any of the above reasons as a cover-up to procrastinate or laze around is not serious about life and life in return, will not be serious about such people.

Now coming back to the basics, those who say they are afraid to act do so because they have not seen anybody that is doing what they are proposing to do, so they might as well forget it, because according to them, if it will work, someone ought to have been doing it already

My dear friend and fan, if you are in this position, listen to me. The fact that nobody has done it makes it even better opportunity for you.

Oh yes, it was because it has not been done before, and in fact, it has been considered as being impossible for human beings to fly like birds in the sky, that the Wright Brothers (Orville and Wilbur) became famous and super-rich by building a machine called aero plane (airplane) that will carry people and fly in the sky, and in fact, this machine could fly even higher than the so called birds the own the sky.

I am sure that if you care to go down to history books, museum etc. then you will discover more, reconfirm what i am saying here to you today. I have many instances but let me give you this one more. Do you know that South Africa being rule by a Black man was a mere dream before Mandela turned it into reality?

So, what is the crux of my story? Don’t let the, nobody-has-done-it-before syndrome kill the brilliant idea God has given you.

As I said in the beginning of this article, if nobody is doing it; that is an opportunity for you to break the jinx, be a pacesetter and start using it to make money before others jump out of their slumber.

What is the idea in your head? Solar energy? Flying Cars? Crime detection? Cure for AIDS? Antidote for Poverty? What have you?

I believe, from the bottom of my heart, along with Dr. Robert Schuller, that: “ If you can dream it you can achieve it.” Just believe in yourself course many may not see what you have to offer until you proof to them, and the world will hear your story and bow.

OVERNIGHT SUCCESS DOES IT EXIST?

The word success means different things to different people. To the student who has spent years studying for a course, passing his final exam will be the ultimate success. To the woman trusting for the fruit of the womb, getting pregnant will be a huge success. To a long distant traveler, getting to his destination will be a success, and so on and so forth.

To understand the importance of success, corporations and advert agencies try to build our ability to attain success around their services and products. For instance, advert runs with some saying like this: be important, be successful, use… So by using the product, you will become important and successful. Do you thing it’s that easy? If it is, all would have become mega billionaires without sweating.

If you drive round the town, or any where you’re living, you will see beautiful billboards selling one kind of service or the other, attaching our success to our ability to buy and use their products or services. There is this particular one I see with beautiful colours and a nice background, with the word “Taste Success” boldly written across its face. What it means is that as soon as you buy that product, you taste success. But one thing is striking. At the base of the board you will see: “The Federal Ministry of Health warns that smokers are liable to die Young.” It then means that something is wrong somewhere. How can you taste success then die young. All they want to do is to sell their product.

Everyone living under the sun wants to attain one kind of success or the other, if not, why the hustle and bustle on a daily basis. You will also agree with me that these success don’t come easy. YOU MUST DO WHAT IS NECESSARY TO ATTAIN THE KIND OF SUCCESS YOU DESIRE. It’s only in the movies that you can become an overnight success.

There are very few (if any) “overnight success.” One wise man rightly said: “There are only night after night after night after night successes… and on most of those nights, you’d better be burning the midnight oil.” Simply means THERE ARE ESTABLISHED PRINCIPLES TO FOLLOW BEFORE ONE SEES HIS DREAMS COME TO REALITY. “Step by step, little by little, bit by bit: That’s the way to wealth, that’s the way to wisdom, that’s the way to glory.”

Don’t let anyone deceive you; there is NO QUICK ACCESS TO SUCCESS. You must be willing to sweat and pay the price. Though some of us want a get-rich-quick prescription, the truth of the matter is that you end up losing if you buy into such things.

One author insists that sustained and honest effort not only creates foundation on which success can be built, but also an inner strength of characters that enable you to handle success when it arrives. THE PRICE OF SUCCESS IS HARD WORK, DEDICATION TO THE JOB AT HAND AND DETERMINATION THAT WHETHER WE WIN OR LOSE, WE HAVE TO APPLIED THE BEST OF OURSELVES TO THE TASK AT HAND!

Monday, March 3, 2008

CREATE A PROFESSIONAL LOOKING AND FANTASTIC ECOMMERCE WEBSITE TODAY

Creating a website that can capture the attention of your targeted audience is critical to the success of your online business. With a website that is well designed, you can be sure that you will get the kind of traffic you want and need to keep your business running smoothly. Here are three keys to website creation.

1. Use simple fonts; this is one of the first things that catch a visitor’s eye, so fonts that are appealing to the eye as well as easy to understand can serve your purpose well. Do not use fonts that are too elaborate. For emphasis, you can set them in bold, though.

2. Use simple colors and attractive graphics. Another thing that catches a person’s attention is the graphics you use for your website. While animated and flashy graphics may indeed sit well instantly, it can actually be annoying after a while. For visitor retention, use simple yet attractive graphics in solid colors.

3. Write engaging text. Content is also a key factor in a website. Your articles should be concise and the message clear. Avoid any spelling as well as grammar errors. Be as informative as possible.

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YOU CAN BE HAPPY DESPITE DISAPPOINMENT

Who has never been disappointed?
Indeed, many of us are the causes of disappointment. What do I mean by this? You may be wondering… well, ask yourself some thing like this; Am I doing to others what is good? How will I feel if some one had done this to me? I am certain you will surely get an answer(s) yourself.

THINGS THAT DISAPPOINT

1.” Time and unforeseen occurrence” befall us all. Say, all of a sudden, a crime, an accident or disease can bring great distress and disappointment.

2. Expectation postponed is making the heart sick. Example, when for an interview only to be told to check back, soliciting a loan or waiting for that boss to assign his signature to that business plan you have submitted for approval.

3. Our own failure can like wise cause disappointment for instance, If we fail to pass an exam, get a job, or win some one’s heart, we may feel worthless. We can also feel disappointed with ourselves when some one we love falters.

4. Things may happen that can alter our life dramatically. For example, we might suddenly find ourselves without a job, when marriage fails, companion is disloyal, a friend is ungrateful, without a marriage mate or without the privileges we once enjoyed. We might lose our health, our home, or our friends. That business not going the way we desire, the possibilities of disappointment are endless.

HOW CAN WE THEN BE HAPPY DESPITE DISAPPOINTMENT

Practically, try out these tips below am certain that you’ll remain happy ever, like never been experienced before.

FOCUS ON THE SOLUTION: God’s word in the Holy Bible encourages us to focus on positive things rather than on what might have been or what we should have done. It says: “whatever things are serious concern, whatever things are righteous, whatever things are chaste, whatever things are lovable, whatever things are well spoken of, whatever virtue there is and whatever praising things there is, continue considering these things” Philippians 4:8.

SETTING PRIORITIES IS HELPFUL: Kingsley a man who had his heart set on being a missionary found that after many years in missionary service, he and his wife had to return home. He said and I Quote,” For the first time in my life, I lost all sense of direction, I had no goals, nothing seems important anymore! But when my wife and I realized that we could never go back to our former way of life, we were devastated. Eventually, we established two priorities; CARING FOR MOTHER AND IF AT ALL POSSIBLE CONTINUING IN THE FULL TIME MISNITRY. When faced with decisions, we consider how they will affect these priorities. This simplifies everything” End of Quote.

Note that the priorities kingsley and his wife set was what actually kept them going and they remain happier ever.

If you’re single that means you don’t have a spouse you can as well set some priorities of what you like or enjoy doing. It could be any thing, just think of that thing you are very good at, outside you previous failed endeavor(s). When face with decisions, consider how they will affect those priorities you have written down, or have in mind.

WE ARE NOT FAILURES SIMPLY BECAUSE OUR EFFORTS DISAPPOINTED US AT FIRST

I strongly belief that if we all viewed disappointment in some positive ways then be rest assure that you would soon see and discover that those that let us down some how still got some values that we could as well benefit from and help them realize it, correct their wrongs instead of reacting with bitter resentments and isolating ourselves from them. ALWAYS REMEMBER THAT DISAPPOINTMENTS CAN BE VIEWED AS NECESSARY EXPERIENCE ALONG THE WAY TO ULTIMATE SUCCESS!