Money is the worst thing to save

Today I watch a video by Robert Kiyosaki (below) which I really think you should watch.

I know that I have been banging on about this for a long time, but the more we realise that money is an illusion with no real value, the better prepared we can be to become truly free and wealthy.

You see when you realise that money has no real value, then you start to save assets that do have value instead of believing the illusion. Why do you think that the banks look to secure the money they lend against assets? Simply because the money has not value without the assets attached!

So when you borrow money against your home, a car, jewellery etc, you are creating the value in the money. Isn't it better therefore to accumulate the assets instead of the money?

Ways to do this are to buy assets that are attached to real "money" things like gold, silver, platinum, property etc.

One thing to bare in mind is that the Swiss Franc is currently still on the gold standard, so a Swiss Franc bank account wouldn't be a bad idea.

Watch this video and let me know your thoughts.

The Ultimate Success System

About 5 years ago I went on 3 different time management workshops, all of which recommended completely different methods of “managing time”. Each had some good point and each had bits missing. I also reviewed a number of goal setting books and workshops I had been on, again they were all similar, but also each had bits missing.

As I studied these systems and read loads of book I realised that the bits that were missing in each of the systems were different. Also several of them had parts to the plan that we completely unnecessary.

This kind of explained to me why I had failed to achieve so many of the goals I had set over the previous years. I knew in that moment that I had all the knowledge I needed to set goals and achieve them, just that it was spread across multiple sources.

I then set about distilling down the best information and creating a system that would ensure that the goals are achieve.

It worked! I started achieving every goal I set, I decided on the goal, broke it down and then planned my activities to ensure the goal could only succeed and be realised.

I then set goals I thought would be the right goals to set and sure enough I got them every time. Then I started to understand a saying I had heard so many times: “I climbed the ladder of success only to find it was leaning against the wrong wall.”

Something had to change, I was “Successful” and yet I was unhappy. Then I was sent a goal setting process that changed the way I looked at my life and the goals I had been setting and realised that happiness is something that must come into every goal setting exercise, without it you are achieving things but slowly dying inside.

Then I created a new goal setting system that included all aspects of my life, not just work and the traditional ideas of “Success”. I also included the concept of happy outcomes instead of goals, with the most important emphasis on the question why?

Now the entire process is complete and the happy outcomes are so amazing that you cannot fail to realise your dreams.

Take a look at this outstanding system and make your life one of true success instead of frustration.

http://www.lulu.com/product/paperback/the-ultimate-success-system-diary-2010/5591825

Definitely a system worth trying

What is the key to massive financial success?

One of the biggest questions most people ask is what can I do to make loads of money on the Internet? And it is a question that many “gurus” charge vast amounts of money giving the answer. But the simple truth is that the answer to that question can be found everywhere you look.

Look in your own town at the businesses that make the most money, the ones that have the most customers and you will see that the secret to the success is in selling small items that people really want for a small price. This is the principle that has made Wal-Mart the largest supermarket chain and why cheap shops have the most customers.

When I saw this I realised why so many newbie internet marketers are struggling and why I had been frustrated by small conversion rates on my sites. I had sites with great products, I just couldn't get the conversion rate up above about 3%. Then I discovered a simple principle:

“Make the price a no-brainer”

The idea is to set the price at a level where everyone buys and no one is disappointed. This means that you have a conversion rate close to 100%, how does that convert into real world money?

Imagine you had a product you were selling at $27 and you were converting at 3%, you would earn $81 for every 100 visitor. Now imagine you change the price to $7 and you conversion rate goes up to 50%. Now you are making $350 for every 100 visitors. So you see the value of that site has now gone up 432%!!! and nothing has changed except that the price is cheaper.

But what is the right price?

The best way to find the right price is to experiment, try different prices and see what results you get. But there are a couple of things that you should consider:
Any price in double figures prompts the question “do I need this?” which can scupper your sale immediately.
Any price below $5, tends to be dismissed as not worth it.
There is a psychological acceptance of prices ending in a 7, so a price tag of $7 would seem to be the best place to start. But as I said before, test your own product and see what happens.

To see an example of how this works, take a look at this "mini-site"

The principle is so simple, and yet we can see how effective it is throughout the world.

http://minisite.buildfreedom.net/

Is Michael Jackson Really Dead?

I was shocked and amazed to hear that Michael Jackson had died, it seemed so incredible that someone who is just about to make a comeback would drop dead 2 weeks before the first concert. So I asked myself a couple of questions!

What was Michael Jackson's life really like?

What is the outcome of his death?

And the answers I got made me think of Elvis Presley and his "death". You see, Michael Jackson was clearly a very unhappy and trouble man. Anyone who reads the press about him or reads about the type of life he had cannot help but feel that his life was far from what most people would really want. And in the last few years his emotional problems had become increasingly public.

But it is not just his emotional problems that have hit the headlines, his financial problems have also been well publicised as he spent massive amounts of money on his "Neverland" range and oddball lifestyle; all taking him into massive debt and a clearly unhappy life. No, he did not have a happy life, certainly not one that most people would want. He had money problems, his time was not his own and he lacked simple freedom in his life - the three things that all humans need to some degree in order to feel a minimum of happiness.

So what is the outcome of his death?

Well in recent months there has been a massive upsurge in interest in Michael Jackson because of his massive sell-out comeback concerts in the O2 arena in London. The press has been full of it, radio and TV stations have massively pumped it up, to the point where tickets were being resold for hundreds of times there face value. Expectation was rising, people were talking constantly, sales of his music had gone through the roof. Money was pouring in to his banks and the banks of the promoters and all concerned with the concerts. But was Jacko up to the challenge of the 50 concerts? Could he do it again having been off stage for so long? Or was this just a set-up? Did Michael Jackson really die in his LA home on the 25th of June as we are being told?

If he was doing a massive comeback tour, then it is almost certain that his life has recently been insured for massive amounts of money to cover any losses by the promoters and everyone else involved in the comeback. I am sure Michael Jackson has recently probable increased his own life insurance recently in light of his upcoming tour.

How much money will his estate make in the coming months from the global upsurge in his music sales, the covers of his songs that are bound to be released by other artists and the insurance pay-outs that will happen?

Has Lisa-Marie's ex-husband followed her father? It has long been speculated that her father Elvis Presley did not die as reported but instead sought to start a new life out of the lime-light, could Michael Jackson have done the same?

The recent up-sales in his music, the insurance pay-out, the up-coming sales of his music - future income from turning Neverland into a museum or theme park! It is clear that he will make more money after his death than he has before it.

Is Michael Jackson really dead?

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Having a life that has meaning to you, that follows your desires and dreams, is more important than all the fame and money in the world. Life a wonderful life. http://BeautifulJewelsOfWisdom.com

5 Secret Keys to Cut Your Adwords Cost By Upto 95%

There are so many people out there claiming to be able to provide you with ways to make money with Google Adwords and PPC advertising, but the simple truth is 98% of all people trying to work from home with online income, fail to even make a single dollar in profit. Most often they end up spending more on their advertising campaigns that they earn as an affiliate. This is because they are often paying as much as 20 times the amount they could for there Google Adwords. Cutting the cost of your advertising is crucial to making a profit with affiliate marketing, so if you want to make a serious online income and work from home, you need to learn these 5 Secret Keys to low cost Google Adwords.

Key 1: Relevance

When you put together an ad on Adwords one of the key factors Google uses to determine the price you will pay for that ad to be places is relevance. If the keywords you have bid on appear in the ad AND if the site they go to seems to be on the same subject. Therefore research which keywords are important for your target market and make sure that you have one ad for each keyword. As an affiliate you may not be able to control the sales page, but you can always create a content rich squeeze page to capture subscriber.

Key 2: Click Through Rate

The Click Through Rate (CTR) of your Adwords Ad is monitored by Google and the amount you pay per click will be determined by the Click Through Rate. Google has determined that the CTR is a key factor in how relevant you ad is to the searcher, so if you get a high click through rate then your Adwords ad cost will go down by as much as 95%! If you find that Google has set your ad as inactive, it could simply be because they see it as not relevant. They will simply tell you to bid more, when in reality all you need to do is reword the ad.

Key 3. Experiment with the unusual

As mentioned in the other keys, Google uses relevance as a significant key to setting the price of your Adwords ad, and you can appear above a more expensive ad if Google sees your ad as more relevant to the audience. It is very common for a simple change in the wording of and ad in some cases one word or switching the order of the lines around can make the Click Through Rate increase 2000%. And as the CTR will very much determine the cost of your Adwords campaign it is worth experimenting with different ads. Look at it this way, if you are paying $0.75 per click for an add, with a CTR of 0.5%, but another add you ran had a CTR of 3.5%, then you have increased your relevance by 700%. Google will see this and will want to keep you high on the page. Therefore you can now start to lower your maximum bid and see what happens to your position in the page. It could be that you can cut your Adwords costs by as much as 50% and still stay at the same level on the page.

Key 4. Bid on lots of keywords

One mistake most new Internet Marketers make is that they bid on a narrow range of keywords, which often happen to be the same keywords that everyone else in that niche is bidding on. In order to make Google Adwords super successful it is important to get those 5 cent clicks. For example: if you are bidding on the key word “Digital Camera” you are competing against possibly hundreds of other marketers and the cost per click will be over $2 a click, but if you bid on “Nikon D90 digital” the cost is just $0.05, a saving of 97.5%! If you want to make real profits with your Google Adwords PPC campaigns then you really need those 5 cent clicks!

Key 5. Profit from the traffic.

So far we have been talking about the getting traffic at the lowest price, and those are vital keys to successful Adwords campaigns. But if you truly want to work from home with a successful Internet Marketing business it is vital that the site you are sending your traffic to is converting those clicks into sales - either directly or by capturing their name and email address and then selling to them later. If you are sending traffic to an affiliate marketing site then it is vital that you monitor the conversion rate of the site, but better still put your own squeeze page up and create your own niche list. So no matter how successful you are at getting cheap clicks you must ensure that the value of the site you are sending them to ensures they become customers.

There are many thousands of people on the internet trying to make an online income that will allow them to work from home, and Google Adwords is for most of them the first and last place they try. It is not unusual for them to work for months or even years without making a single penny of profit. Getting your Adwords campaign right is about the little things, these 5 keys will guide you through the process fast.

http://www.HotInfoBase.com/maverickmoneymakers/

How The Banking Crisis Affects You.

Do you think you are immune to the Banking crisis? Think again. It is going to impact on you directly and indirectly in a myriad ways. The only way to avoid getting drawn into the consequences is to eliminate debt. Take for instance the value of the pound. Ever since the banking crisis has hit the UK, the value of the Pound has been declining versus the US Dollar, the Euro and the Japanese Yen. This means that the purchasing power of the Pound is declining because of the Banking crisis. There are two ways in which this will affect you: Eventually rising inflation will erode your net worth or your savings will go down and there will be a rise in prices because of inflation. But your problems will not be resolved unless you make a conscious effort to eliminate debt from your life.

You must have noticed that since the financial crisis, Banks have stopped lending to each other. This is because of mistrust between the banks which has resulted in a lack of liquidity. Banks are becoming risk averse, which is an irony because the Banking crisis has been precipitated by excessive risk taken by Banks because of their insatiable greed. But this is not going to help you as an individual. Actually the reverse is happening. Banks are forcing individuals to accept higher interest rates by coercion, some credit cards now have interest rates as high as 56%, when they were at just 17% 3 years ago (Source: American Express bill). They even justify this by stating that the risk perception has become higher.

Some of the banks are convincing customers to convert their unsecured loans into secured loans and mortgages. We must be ever vigilant and not fall into this trap. We are liable to lose our homes and property by doing this. The best way out is to eliminate debt altogether. Most of us are unaware of the laws which have been enacted to protect the customer against unethical practices of Banks and financial institutions. It is advisable to seek help from professionals who can guide you through the financial landmine.

Another dimension of the Banking crisis has been the increase in interest rates on unsecured debt. Though there is no logic which drives this decision, we must remember that Banks have shown themselves to be avaricious by nature and ever on the lookout for reasons to increase lending rates. The Banking crisis therefore comes in handy as a convenient excuse to hike the APR. The reason given is that the risk has increased and they have to cover it by increasing the lending rates. Obviously your debt will rise in proportion to the interest being charged by the Banks. The only way to escape from the draconian clutches of Banks is to become debt free. The earlier we become free of debt the better since the days ahead are likely to become financially unbearable.

Another interesting development which has been a direct outcome of the financial crisis has been that Banks have stopped lending to each other. Why should that be? The reasons are obvious. No one really knows the extent to which Banks are exposed to risk .There is a fear that any Bank may go belly up anytime. The problem has become so endemic that even large Banks are not immune from it. Under these circumstances liquidity has been affected. Banks are therefore trying to increase revenues from loans by innocent individuals like you and I, by using coercive tactics. Many of us simply cave in and succumb to pressure. It is important to get out of debt, and this is best achieved with the help of professionals. Remember, Banks are not in business for the benefit of their customers, they are there to extort as much money from you as possible, they call it business, others call it usery. You must eliminate debt quickly to escape the deepening Banking crisis.

The current state of debt in the UK

The current state of debt in the UK

It seems that Britain is addicted to debt and faces a terrible legacy as the recession begins to bite, Liberal Democrat Leader Nick Clegg warns, as new analysis from the Liberal Democrats shows that total personal debt has risen by £1 trillion since Labour came to power. This figure equates to an additional £10m for every hour Labour has been in government. Britons now owe £1.4 trillion in total, with debt repayments of nearly £95bn each year, equating to £3000 per second. Nick Clegg goes on to say, "The fact that Britain's economic growth has been built on a mountain of personal debt means that we are now especially vulnerable to the global economic downturn."
The above statements have been repeated verbatim from the Liberal Democrats website. But the bone of contention is not whether the Labour is responsible, but the fact that British citizens are willy-nilly being suckered into the debt trap.

The alarming rate at which we in the UK are accumulating debt goes to show total disregard of prudence in favour of popularity. Whether it is the Conservatives, Liberals or Labour, the pursuit of popularity and votes, bank politics has led to mounting debts in the UK. This has a cascading effect on personal debt as well. The situation is likely to get worse making the present situation look almost innocuous.

Consider the following figures:

• The total secured lending on homes in the UK, at the end of June 2008, stood at £1,212 billion. This has increased 7.5% in the last 12 months.

• The total lending, in the UK, in June 2008 grew by £4.0 billion. Secured lending grew by £3.1 billion in the month and Consumer credit lending grew by £0.9 billion.

• The average household debt in the UK is £9,309 (excluding mortgages). This figure increases to £21,650 if the average is based on the number of households who actually have some form of unsecured loan.

• The average household debt in the UK is £58,000 (including mortgages).

• The average owed by every UK adult is £30,424 (including mortgages).

• 424 mortgage possession claims will be issued and 302 mortgage possession orders will be made today

If the above figures do not ring alarm bells in your mind, you are bound to regret not taking steps to liquidate your debt in the near future. It is not I who is sounding the alarm but noted economists and finance barons. The faster we get rid of debt the better. As the unemployment rates rise and panic sets in the financial markets, the tools which are available at present will disappear making repayment all the more difficult for many.

The government in the UK is meanwhile reacting on predictable lines. From the measures taken till now, it is obvious that they are intent on bailing out the Banks and taking short term action rather than finding long term solutions to the problems. The fat bonuses which directors of sick banks have inked for themselves may have elicited horrific uproar from the public, but with limited response by government officials in the UK.

The way out is to clear our personal debt before it is too late. You deserve debt freedom, it is good for you, good for society and good for the World.