February 2017

Sometimes, it is hard to understand why a person would want to steal your identity. However, there are many reasons that a person would steal an identity and they are not all good ones. Criminal minds act out of rebelliousness, desperation, and for personal gain. They all have their own purposes for stealing your identity, but they all possess a negative impact on the victim’s lives that they steal. Stealing your identity is easy for them, and it is crucial that you always use identity theft protection tactics in your life or this is how they will use you identity:

  • Fraud via credit cards- Thieves steal your information and especially your credit card numbers so that they can make large purchases in your name. They do not worry about your credit because they do not have to suffer the consequences. Identity thieves change the billing address of the credit card companies so you do not know when that have committed the crime.
  • Utilities and phone- Sometimes these criminals steal your identity to use for purposes of hooking up utilities and phone accounts in your name. This way they can ruin your credit and reputation as well as benefit when they have already done this to their own good standings.
  • Financial and bank- Identity thieves will steal your personal information so that they may create bank accounts in your good name as well as take out loans they never intend on repaying. Also they steal ATM cards, write counterfeit checks, and take your life savings in an instant.
  • Employment and legal- You can have your identity taken with government documents such as social security cards, drivers licenses, even birth certificates. These smooth minds take this information to obtain employment, governmental benefits, for tax purposes and to receive medical treatment.
  • Personal gain-Complete and utter desperation will cause people do do crazy things. Identity theft gives a person a new self, reputation, and history. With this a person can evade the law, escape their life, and start all over while ruining someone else’s life.

Although you may not want to deal with the fact that identity theft is very popular, it is best to bee safe and not sorry. Ignorance could cause you great hassle and financial short-comings. In order to protect yourself from the various reasons a person may steal your identity you need to be aware of all the facets that identity theft involves. With this unique knowledge and understanding, you will be able to beat this horrific crime before it happens to you.…

A new article on June 3, 2009 from MSN Money writer Michael Brush indicates that there is a third wave of foreclosures still to come from prime borrowers (i.e. those previously “safe-borrowers” with sound credit and fixed-rate mortgages) as a result of job losses thanks to the worsening economy (“Coming: A 3rd Wave of Foreclosures”).

The article states that “In the first quarter, the percentage of these borrowers who were behind on their mortgages or in foreclosure had doubled from a year earlier, to nearly 6%” and goes on to say that “Credit Suisseanalyst Rod Dubitsky predicted last week that 8.1 million mortgages, or 16% of all mortgages, will go into foreclosure over the next four years. A weak economy, continued declines in home prices and rising delinquencies among prime borrowers all but ensure that foreclosures “will march steadily higher,” he says.” Not such great news for the economy, but good news indeed for entrepreneurs interested in starting a foreclosure cleanup business to clean and repair foreclosed homes for the banks.

To put this in perspective, this means that there will be over 2 million foreclosures a year and more than $2,025,000,000 up for grabs in money that will be spent on cleaning up these foreclosed properties (since the average bill is $1000+ to clean up one of these properties).

Let’s take a look at how you can position yourself to capitalize on this coming foreclosure movement

Set Up Your Company Properly

If you want to be hired for cleanup or preservation work, you’ll need to operate your business as a professional company. The good news is that you can set up a business quickly and inexpensively, and usually on your own. Many people decide to set up an LLC (Limited Liability Company) because of how quickly and easily it can be done but you’ll want to check with your accountant or other business professional to select the type of business entity that’s right for your personal situation.

If you do decide to start an LLC, you can usually find all of the documents you need online from your state’s government website. Usually the branch you’re looking for will be called the “Industrial Commission” or “Corporation Commission” or similar. Try typing in “start a business + ______ (your state)”. Anything ending in “.gov” is usually a good place to start as it indicates a government site.

Once your business is set up, you’ll need an Employer Identification Number (EIN), which is like a SSN for your business. You can register for one online: type in “IRS” & “EIN” into a search engine to find the online registration link.

As soon as you have your EIN (which you can usually get immediately online), you can open up a business bank account for your company. This step is very, very important. In the excitement of things, many people get caught up in the day-to-day dealings of running a business and use their personal accounts to pay for business expenses. Not only does …

Do you have a greenhouse, a windowed garage or some spare space with natural light as protection from the winter weather? If you do that space can be used to earn you money. The business is growing plants from cuttings, you can reap the benefits a few months on and over 90% of this will be profit.

If you are just starting I suggest you try this on a small scale and build up from that. A good number to start with is 20 to 50 cuttings. You need to decide what plant you are to propagate. My advice to beginners would be to take the most common and easy to grow plant initially and experiment after you have successfully grown and sold your first batch.

The best beginners plant is the spider plant, many home have them and they are the easiest to grow as they automatically produce ‘little’ spider plants for you to pick off and put in pots. You can’t fail to propagate these plants successfully. What’s more, they are one of the best selling houseplant, so no worries about sales afterwards.

All you need are some plastic pots, some potting compost, a tray to put the pots on and a frost-free, well-ventilated area where there is natural light – not direct sunlight.

You can get cutting from the spider plant free from friends and family who might have these plants that readily sprout the cutting. Or you can buy a few mature plants and wait a couple of months for the cuttings. Even hairdressers, dentists, doctor’s surgeries along with many other shops have these plants sitting around, you can ask them if they want a free pruning service, most will be glad for you to do this.

Simply place the pots in the tray and top the pots up with compost firming it down, not too firm though. Then pour water into each pot so it is soaked and leave it overnight. The next day poke finger in the centre of the compost to a depth of around 3 cm, place the cutting into the hole made and firm the damp compost around the base of the plant. It is as simple as that.

You need to now let the plants establish their rooting system over the next few months before you start selling them. The only work you need to do now is to make sure they don’t dry out. The tip is to water just before is dries out; this of course depends on the environmental climate.

You now have spider plants ready for sale. Have a look at the cost in garden centres and undercut them, you will get your money back on the cost of pots and compost after selling just a couple.

Car boot sales are the best place to sell these, perhaps selling wholesale to other carbooters for them to sell on is a great way to make a quick profitable catch with the least amount of work involved.…

AmWay, or the American Way as some people refer to it, is a Multi-Level Marketing Business that has been in operation for over half of a century. When you subscribe to the program, you will be given a brochure and a few items that teach you how to sell AmWay products. The training focuses on creating and extending your network, is helpful for a beginner. However it is not as effective as it was comparable to the past. This is because the public has been scheduled with people who are subscribed to AmWay, or are wary of the marketing tactics that it employs. When faced with this difficulty, a way to go about it has interested prospect look for you to join the business instead of you chasing after them. Here I am going to talk about how to use the world wide web in your networking business.

3 Ways on how to sell AmWay products and make money fast!

1) Write about it – there is a lot you can say about AmWay products, and the marketing strategy that the company has employed. If you know the possible success that it offers, or even have experienced it, then it would be good to share it. Create a blog and tell others about it. Place contact information so that people who need help can get in touch with you. These folks are considered as potential network expansions.

2) Post videos about your work – not everyone will read articles, even if it promises them potential earnings. To reach out to them, you can create videos that contain graphic illustrations of your very own earnings, as well as potential incomes that they can get. Upload to video distribution network like You Tube. From there, you can post contact information, or place a link that leads back to your blog so that they can reach you or move on to get more information from your posts.

3) Follow up on your network – most people see possible earnings from selling AmWay products, but not all are able to follow through. It happens when your downline feel discouraging for not seeing returns immediately. You need to pass this message down when you are sharing with them on how to sell AmWay products, tell them to set a right expectation, work consistently and hold on even when things seems difficult. This is important because many times, people give up just an inch before the finish line.

There are several who have built substantial wealth from the efforts of their downlines promoting AmWay business. If you are looking to create huge income in this direction, you have to lease on the capabilities of technology to help shorten your path to success. …

How do firms choose their operating cycle? How do firms choose their cash conversion cycle? What is the impact of firm’s operating cycle on the size and periodicity of investments in receivables and inventories? How do seasonal and cyclical trends affect firm’s operating cycle, cash conversion cycle and investments in current assets? These strategic policy questions relate to optimal cash flows synchronization and effective working capital management designed to maximize the wealth producing capacity of the enterprise.

In this review, we will examine some pertinent and extant academic literature on effective working capital management and provide some operational guidance to small business enterprises. The shorter the cash conversion cycle, the smaller the size of the firm’s investment in inventories and receivables and consequently the less the firm’s financing needs. Although setting ending cash balances is, to a large extent, judgmental, some analytical rules can be applied to assist effective formulation of better judgments and optimize cash flow management.

As you know, a correlate to cash is net working capital. Net working capital is not cash but the difference between current assets (what a firm currently owns) and current liabilities (what a firm currently owes). Current assets and current liabilities are firm’s immediate sources and uses of cash, respectively. Clearly, a firm’s ability to meet its current financial obligations (bills due within a year) depends on its ability to manage its current assets and liabilities, efficiently and effectively.

Effective working capital management requires the formulation of optimal working capital policy and the periodic management of cash flows, inventories, account receivables, accruals and account payables. And because poor working capital management can severely damage a firm’s credit worthiness and limit its access to money and capital markets, every effort must be made to minimize business default risk.

The significance of liquidity cannot be overemphasized. In addition, anything that adversely impacts a firm’s financial flexibility degrades its ability to borrow and cope with unexpected financial hardship. A firm must preserve its ability to react to unexpected expenses and investment opportunities. Financial flexibility derives from a firm’s use of leverage as well as cash holdings.

In practice, optimal working capital management includes effective cash conversion cycle, effective operating cycle, the determination of appropriate level of accruals, inventories, and account payables and the attendant funding options. Working capital policy impacts a firm’s balance sheet, financial ratios (current and quick assets) and possibly credit rating. Critical to efficient firm’s working capital management is a good understanding of its cash conversion cycle, or how long it takes for a firm to convert cash invested in operations into cash received.

The cash conversion cycle captures the time passed from the beginning of the production process to collection of cash from the sale of the finished products. Typically, a firm purchases raw materials and creates products. These products go into inventory and then are sold on account. Once the products are sold often on credit then the firm waits to receive payment, at which point the process begins again. …

Take responsibility for YOUR financial health.  All aspects of it: expenses, income, savings, retirement, investing, pocket change, the works.

This is a simple idea with potentially profound implications. Yes, it may be a bit cliché, but that doesn’t mean that it isn’t true. Everyone would like to improve their life in some way – financially, mentally, physically, emotionally, or a huge variety of others – but nobody can until they accept that, fundamentally, they are responsible for what will happen.

The first step to take is to do just that: assume full responsibility for your financial health. Regardless of your situation, you can’t dwell on the past. It doesn’t matter if you got hit by a disaster, laid off, if a business deal went south, or if you think weren’t positioned right from the start. As long as you focus on the problems you perceive, you will be unable to move forward in your financial life.

Forgive everyone for all the bad things they have done to you. Let go of what has happened to you before. Stop thinking about the negatives and the past events that have placed you into whatever your current situation is.. Right now – don’t put this off, saying “Oh, that’s a good thought, I’ll consider it.” And there should be no half measures, even if you share finances. Assume 100% of the responsibility for your physical and financial health or you won’t be able to improve your situation. Above all else you must hold yourself personally responsible.

This is now going to let you take power over your financial health. If you want to change your situation for the better, you must have that power, plain and simple. Assuming full responsibility means you have no excuses when you fall off the wagon, no exemptions for slips, moments of weakness, and no one to pass the blame to when you aren’t as responsible as you want to be.

Without 100% responsibility you are utterly powerless. You’ll find ways to blame the world, your significant other, the economy, or something else. If you want things to change, you have to step into your power fully and completely. And you can’t do that if you remain in denial of even a smidgen of your responsibility. Now, I don’t mean that you need to blame yourself every time you slip even the slightest bit or something goes wrong. Not all circumstances are within your control. But you do always have the ability to respond to changes in your situation, so remember that!

Accepting responsibility for your own finances gives you the power to change your financial health for the better. It must be your own force of will that does so, but knowing that it’s on you makes all the difference in the world. Use your creativity and abilities to make the best of it!…

Last month, one of my readers needed a new

car. He asked the LORD for it. And the Lord

answered and showed him this beautiful,

new SUV.

Only problem was: he had no money to

buy it.

He asked me if I had prayer points to

release the car.

I gave him my closely guarded recipe

(one that I used personally to attract

my new car and my new house).

Here it is:

1. Pray the prayer of a DOER according

to Phil.4:13 (A friend just christened it,

“The 6 little prayers that move mountains”)

2. Say to the Holy Spirit

– I really desire this car

– but the money is not yet in my

bank account

– how can I create value for OTHERS so

that I’ll be compensated and I can

buy this car?

3. Then the Holy Spirit will

– lead you to go out

– create value

– trade that value for money

– trade that money for the car

Rapid Result

– he was able to create a useful product

– sell it and get the money to buy the

car

– ALL WITHIN 4 WEEKS!

Everyone has benefited – he’s got his dream

car; others are enjoying the product he

created; and the amount of value in the

world has grown for everyone – all within

4 weeks!

In A Nutshell

I have just uncovered to you the

“Secrets” of what is called the

“Prayer of the Doer.”

This is a prayer so powerful, it has

been kept under lock and key by veteran

prayer warriors through the ages.

Among the insiders, it is discussed only

in “hushed” tones.

* It is a mysterious prayer that’s been

known to turn paupers into millionaires

almost overnight.

* Those who’ve been tutored on how to apply

it well have been reported to have started

businesses almost out of nothing and grown

them beyond their wildest dreams… in very

short order.

Please go through this little piece again carefully

and let the Holy Spirit speak to your

heart.

This is how God wants his children

to create value in our world.

Apply these simple steps diligently and you’ll

soon find yourself swimming in the ocean

of abundance.

You can find more information on this

and more in the latest version of

my popular ebook, “Prayer Cookbook for

Busy People.” Plus, the prayer points

and WHEN to pray them.

Get it here: http://www.firesprings.com/freereport4.htm

Be blessed!…

Russians are very superstitious people. They will deny this, but it is true. These superstitions affect my life on a daily basis. Most of the time they are harmless and I go along with them to humor my wife. Sometimes I tease her about them.

New superstitions pop up all the time, as new situations arise in our life. I keep telling her that I need a rulebook for them. Perhaps someday I will codify them in a book.

Russians are raised with these superstitions so they have no need to consult a manual.

Here are some of them. It is by no means an exhaustive list:

1) You can’t whistle in the house or car, as they believe that you are whistling away your money.

At a dinner party at our house, a friend of mine started whistling. My wife silenced him immediately. She explained to him, “You can whistle in your own house, but you can’t whistle in mine. In my house, it’s my money you are whistling away.”

When she first came to America, she would see people standing at intersections holding signs. She asked me what they were doing. I told her they were asking for money. She asked me why. I told her that they had done entirely too much whistling in their house for their own good.

2) If you step on your spouse’s shoe by accident, you have to let the other person step on your shoe, or you will have an argument.

I never tested this superstition. It seemed easier to go along with the remedy than pay the price for violating it.

3) If you leave your house, you cannot go back inside for something you have forgotten, or your trip will result in ‘nothing good,’ as my wife says.

4) If you must go back in to get the forgotten item, you can try to mitigate the bad effects of returning by looking into the mirror at your own reflection for a moment before you leave again.

5) Never demonstrate another’s surgery or wound on your own body with your hand or other means as you are likely to visit that upon yourself.

In the few times I have done this, my wife has tried to remedy this by wiping away the spot where I made the imaginary incision with her hand, blowing on her hand to blow it away to the wind, and covering it with the sign of the cross.

6) Never give a Russian woman an even number of flowers. Even numbers are for the dead. Always give odd numbers. When you order a dozen, or two dozen roses, for her, ask them to throw in an extra one for good luck.

7) Never give yellow flowers to a Russian woman. It signifies infidelity and may mean that your relationship will not last.

8) Never give a watch as a gift to a Russian woman. Time is running out on your relationship.

9) Never give knives or …

You know that you work that your engineering company is the best out there, but does the public know that? What makes your firm better than the competition? Do your prospective clients know that? What advantages and benefits do your clients have by using your firm? This is marketing; Getting the word out about you and your company.

A major part of marketing is describing how your company is different from the competition, and how that benefits your clients. Most engineering firms do very little marketing outside of word of mouth and maintaining client relationships. Most of the time this may be all you need to do to stay busy, but if you want to grow your company you will need more clients and contracts. What happens when your clients start to fade away or decide to use someone else? To stay busy you will need to employ several well planned marketing tactics.

One of the best ways to market is to inform the public of your difference from the competition by creating a Unique Selling Proposition or USP. A USP is what makes your firm different from your competition. If you want to immediately stand out in the engineering community, have a clearly defined USP. Ask the question "Why your potential clients would have chosen to do business with your firm versus the competition?" What separates your engineering firm from the competition? The answer is your USP. Your engineering company has better services, a guarantee, better selection of services, longer business hours, more flexible payment options, or a combination of all of these and more. You should be able to summarize your USP in one sentence. A great USP will have your potential clients thinking or saying, "I have to do business with these guys." Most companies inadvertently talk about creating a USP, but do not actually implement it.

Unfortunately, most USP's are not unique; Because many firms will review other USP's and copy the best words. They will search the internet, review several business books, and may even ask other individuals and then combine the results into their own USP. If most USP the client reads are similar, then they have no meaning.

Again most of the marketing books available in the bookstore are not for professional service business like engineering. A personal service client is looking benefits more so than any other type of client. A customer of large chain store is probably looking for low price product. A client of designer is looking for quality name brand and not necessarily lowest price. But a client of professional service company is looking for something quite different. What do you want from a lawyer, a doctor, an accountant, or a designer? Are you looking for bonuses, sales, and discounts? Of course not!

A true USP answers the client needs. What is it that clients are looking for? Based on our experience most buyers want their professional service provider to have one or more of following characteristics:

1 –

An individual is initially dependent on others during the early phase of life; first 20 years. Throughout this phase, the person obtains knowledge on multiple subjects, attains wisdom through manifold observations, and builds up moral strength by means of spiritual/humane practices. Nevertheless, the person is barely in touch with the business world during this phase. Later on, along with multi-dimensional independent life experiences, the individual, in the second phase of life, is consequentially apprised about economic fields and economic works.

Human life embraces multiple needs and countless facilities for normal living. Basic human needs include healthy food, fresh water, proper clothes, right sanitation, complete shelter, necessary medical aids, easy transportation and appropriate education. The innate human nature extends the individual’s contentment boundary towards countless paraphernalia of life, such as, aesthetic dressing, delicious foods, magnificent residence, superior education, unlimited medical assurances, and so on and so forth. In order to fulfil both, needs and facilities, money is the fundamental prerequisite. Proactive efforts are indispensable to earn money units. Namely, a work for the sake of monetary reward is called an economic work.

Technically, personal economic independence is defined in the dictionary as “the income threshold at which a person can live without relying on the support of others.” At this stage, the economic agent can purchase required, and even desired, goods for personal advantage. Realistically, stream of successful execution of economic works by the individual is the only way to reach personal economic independence. The main ambition of this article is to portray the roadmap towards the actualization of a stable income stream, and hence, economic independence. I will try to reach the focal point of the paper by providing a simple technique to realize the perfect profession, a proper method for execution of economic work, and effective tips to overcome hurdles during economic struggle.

Opting the Right Profession

There are boundless economic works available in the modern world. Needless to say, the invention of internet and technology has further introduced oodles of online works as well. Selection of the right profession is duty of the economic agent. How may he/she opt for the right profession? Jeff Goins, author of the bestseller, The Art of Work, gives answer to the question. He offers a stunning approach to discover the purpose of life. Once the purpose is realized, one can consequently comprehend the right profession. Jeff writes: “when you pay attention to your life and the lessons it can teach you, you won’t feel so lost. Your story will seem less like a series of disjoined events and more like a beautifully complex narrative unfolding before you. You will understand each setback, inconvenience and frustration as something more than what it appears to be. And perhaps, as you listen to it, your life will speak.”

Jeff, in his case, listed out a few memories from his life and during the exercise, he was able to grasp his purpose; to become a writer. An economic agent, at the outset, can also implement the …