Saturday, May 5, 2018

Habits of the Rich

BUSINESS MATTERS (BEYOND THE BOTTOM LINE) Francis J. Kong (The Philippine Star) - May 5, 2018 - 12:00am
Johnny is in the midst of a long dry spell in Las Vegas. Eventually he gambles away all his money and has to borrow a quarter from another gambler just to use the men’s room. He finds a stall that happens to be open and pockets the quarter.
Believing that his luck has finally changed, he puts the quarter in a slot machine and hits the jackpot. He takes his winnings and goes to the blackjack table and turns his modest winnings into million dollars.
Wealthy beyond his wildest dreams, Johnny goes on the lecture circuit, where he tells his incredible story. He tells his audiences that he will always be eternally grateful to his benefactor, and if he ever finds the man he will share his fortune with him. After months of speaking, a man in the audience jumps up and says, “I’m that man. I was the one who gave you the quarter.”
“Yes, I remember you well, but you aren’t the one I’m looking for. I mean the guy who left the door open!”
Times are different now. There are so many young people out there giving talks and seminars, selling stuff and promising heaven and earth that by listening to them, buying their products and reading their books people will become wealthy. And there are many who would buy into it to their regret later.
As the saying goes: “There’s a sucker born every minute;” a phrase closely associated with P.T. Barnum, an American showman of the mid-19th century, although there is no evidence he in fact said it, the mere fact that these con-artists are still around today may give credence to the fact that people are careless and reckless and their relentless pursuit of instant riches and shortcut to success will always provide a market for these cons. There is however some amount of data and research that would provide safe and sound ideas on how to earn more money.
The book: “Rich Habits: The Daily Success Habits of Wealthy Individuals” written by Tom Corley spent five years studying the daily activities of 233 wealthy people and 128 people living in poverty. I want to share some of his research discoveries:

• 70 percent of the wealthy eat less than 300 junk-food calories per day;
• 97 percent of poor people eat more than 300 junk-food calories per day.
• 23 percent of the wealthy gamble; 52 percent of poor people gamble.
• 76 percent of the wealthy exercise aerobically four days a week; 23 percent of the poor do this.
• 63 percent of the wealthy listen to audio books during the commute to work vs. five percent of poor people.
• 81 percent of the wealthy maintain to-do lists vs. 19 percent of the poor.
• 63 percent of wealthy parents make their children read two or more non-fiction books a month vs. three percent of the poor.
• 80 percent of the wealthy make “happy birthday” calls vs. 11 percent of the poor.
• 67 percent of the wealthy write down their goals vs. 17 percent of the poor.
• 88 percent of the wealthy read 30 minutes or more each day for education or career reasons vs. two percent of the poor.
• Six percent of the wealthy say what’s on their mind vs. 69 percent of the poor.
• 67 percent of the wealthy watch one hour or less of TV every day vs. 23 percent of the poor.
• Six percent of the wealthy watch reality TV vs. 78 percent of the poor.
• 44 percent of the wealthy wake up three hours before work starts vs. three percent of the poor.
• 74 percent of the wealthy teach good daily success habits to their children vs. one percent of the poor.
84 percent of the wealthy believe good habits create opportunity luck vs. four percent of the poor.
• 76 percent of wealthy believe that bad habits create detrimental luck vs. nine percent of the poor.
• 86 percent of the wealthy believe in lifelong educational self-improvement vs. five percent of the poor.
• 86 percent of the wealthy love to read vs. 26 percent of the poor.
Of course, this is subject to challenge considering the fact that the copyright year of this book was some eight years ago. However, notice the disparity between the rich and the poor in their habits and lifestyles? The wealthy lives a regimented lifestyle and would pursue discipline first before pleasure. The formula works all the time.
There is no shortcut to success. If only people will do due diligence and check the track records of authors, speakers and companies offering products, advices or tips on how to be rich in a quick way. Perhaps it will work for them but it certainly will not work for you.
Maybe the list would help and then again maybe others would not believe it and insist on a quicker way to attain riches and wealth. It’s a choice people have to make. But the funny thing is this. When I ask those who are rich and wealthy, they tend to believe the list… and I know why.


Friday, March 2, 2018

Warning: Do this! By John Mangun - February 28, 2018

“IF symptoms persist, see a doctor.” “Read instructions before using. If you cannot read these instructions, do not use.” “Do not put any person in this washing machine”.
Almost everything comes with a warning label these days because, apparently, comedian George Carlin was right: “Think of how stupid the average person is, and realize half of them are stupider than that.” “Caution: Coffee is hot. Avoid pouring on crotch area.”
Unfortunately, there does not seem to be a warning label for stock market investing. Most investors usually do not get any farther than some inspirational wisdom, such as from Warren Buffett: “I buy on the assumption that they could close the market the next day and not reopen it for five years.” Interestingly, everyone that uses his quote always excludes the first sentence of what he wrote: “I never attempt to make money on the stock market.” Buffett never invested in stocks; he only bought companies.
Most of the rules for stock investing are about as valuable in real life as what was on the business card of Genghis Khan found at the bottom of one of the mountains built from the skulls of his dead enemies. “Hate the sin but love the sinner.”
Here are my suggestions for stock investing warning labels.
“If you are going to ‘buy and hold’ then buy and hold.” You hear this mantra over and over about staying in for the long term and proponents
give example after example of where this strategy is effective. Here is the reality.
Almost every investment strategy works if you follow it. The truth is that every time the Dow Jones Industrial Average has dropped by more than 10 percent, huge net outflows for retail—read the “little guy”—investors has happened. By definition a 10-percent decline is a “correction,” not a “bear market.” Remember that Mike Tyson quote about being punched in the face? Winners stick to the plan no matter how difficult.
Every investor knows deep in his heart that taking a small loss is better than taking a large loss. But the only way you can do that is by cutting a losing position. So remember, “Warning: Paper losses are real losses. Your portfolio is only worth what you can sell it for.” Understand that your loser may not come back. And even if it does, a stock that is down 50 percent has to put a 100-percent gain just to get back to even.
The other side of this is, “Paper profit is your money. Treat it with respect.” Letting a profitable position “run” does not mean letting it run into a loss. Further, if you find P100 on the ground, go buy Lotto tickets. Why not? But if you receive a salary increase that you worked for, are you going to use the added income to play the Lotto?
“Warning: A good company is not necessarily a good stock.” The only thing worse than buying a good company with a bad stock is finding out the love of your life is actually your cousin. Some great companies are terrible stock investments. Some terrible companies have great stocks over a short term. Try not to confuse the two. While fundamental analysis will identify great companies, it does not take into account market and investor sentiment. Stock prices do not go higher unless investors buy. And frequently, investors do not buy the stock of “great companies.” Go with the flow.
Finally, “You cannot fight the market.” You must control your stock investments. Do not let the market control your portfolio. Otherwise, you might as well buy Lotto tickets.
Please e-mail questions and comments to Visit my web site at www.mangunonmarkets.comFollow me on Twitter@mangunonmarkets.

Monday, November 13, 2017

5 reasons that Entrepreneurs FAIL!

Since failure is part of the process of success, I want you to see the main reasons people never truly "make it" as entrepreneurs.

Because you can learn from each one.

Here we go...

Reason #1: "I'll do it later..." - Procrastination almost always leads to failure. The "I'll do it tomorrow" mindset is toxic to any sort of success or progress because it means that NOTHING gets done. To make it as an entrepreneur - you need to "eliminate tomorrow." If something is important - do it today.

Reason #2: "I don't want to fail..." - People who are AFRAID To fail never take the first step. And, if you never take the 1st step, you'll never take the second, third, and so on. That means you have KILLED any chance of success before you even start. Failure teaches you. You learn from it. But if you never take the first step because you're afraid of failing - there is ZERO possibility of ever making it as an entrepreneur.

Reason #3: "I'll just wing it..." - If you don't have goals, you'll wander around aimlessly forever. To reach success, you need to know what success looks like. You need an objective. People who have no goals, don't make it as entrepreneurs because there's nowhere to "make it" too.

Reason #4: "I'll start from scratch..." - It's overwhelming to try and figure things out on your own. In fact, there's no need to do that. Instead - use a system that already exists. By using a system (or multiple systems), you're leveraging what's already out there. That's how you work smarter, not harder. This is ALL about leverage.

Reason #5: "I'm can figure it out without help..." - You need a mentor. So do I. So does - everyone. The ROI of investing a coach or mentoring is somewhere in the 700% range for entrepreneurs. I had my Rich Dad help me early on. And I've had several others help me along the way. Show me a successful entrepreneur and I guarantee that I can show you mentors they've had along the way. Those who neglect mentorship are doing so to their own demise, because they're setting themselves up for failure.

Robert Kiyosaki

Saturday, November 11, 2017

For freelancers



TUTORIAL PLATFORM (Smartfone Tutorial) (Smartfone Tutorial Download by Appstore/ Playstore)




https://www.clickworker.c om/clickworker-job/

Thursday, April 16, 2015

The Secret to Real Wealth

Some of us believe that rich people know something that the rest of us don’t; that at some point in their lives they were let in on a little known secret. And they’ve used that knowledge to gain immense wealth. At least that’s what it must be right, a secret or trick the financial elite picked up along the way. 

When you or I imagine a wealthy person we tend to view them as “dripping in diamonds” or showing off their wealth at every point possible. We imagine we can tell the rich from the rest of us by the clothes they wear; impeccably tailored outfits made with the finest of materials some of which display the luxury brand from which they come (Yves St Laurent, Chanel). 

It’s also thought that you can tell by where they live; in mega mansions that dot the oceans, lakes and most prestigious streets in upscale communities. You can easily spot wealth by the cars they drive; Bentley’s and Roll’s Royce’s are the vehicle du jour for these financial elite. Plus they tend to acquire luxury accessories like Rolex watches and designer handbags. 

But what if I told you that the image most of have in our head of millionaires is wrong? That most don’t drive Bentley’s, wear brand name clothing, live in expensive mansions, or spend much money on luxury accessories. 

Is this the secret to real wealth?  Perhaps, but probably not. 

So then who is buying all those Armani suits, bottles of Grey Goose vodka, Gucci handbags, and BMW’s? According to Dr. Thomas J. Stanley, who studied the habits and buying patterns of America’s financial elite for his bestselling book The Millionaire Next Door, it’s a type of person who he terms “aspirationals.” 

In his book Dr. Stanley describes “aspirationals” as people who want to be rich and therefore act like the stereotype they have in their mind of a rich person. They buy expensive trappings of wealth to fill a material void created by a faulty perception. 

This hyper-consumerism leads people to buy items that they can afford, but at a detriment to their financial well-being. It leads to a drain on savings and increased credit card debt. 

In truth millionaire’s live an entirely different way than most of us perceive. In fact most of the people who have more than a million dollars or more in assets after liabilities: 

-Live in a house that costs $400,000 or less. 
-Do not own more than one primary residence. 
-Do not own a boat. 
-Generally pay less than $15 for a bottle of wine. 
-Are more likely to drive a Toyota than a BMW. 
-Have never paid more than $400 for a suit. 
-Spend very little on prestige brands and other luxury items. 

That’s probably not the idea you had in your head of a rich person is it? 

Perception is a funny thing. It colors the way we view the world, the people in it, influences the things we buy and choices we make. We perceive wealth through the display of prestigious brands and luxury items. 

When we perceive something we think we know something. The downside to this line of thinking is that our perceptions are usually off and that leads to poor decision making. 

When we buy these brands we perceive as exclusive to the financial elite we do ourselves no good. $600 handbags…$200 bottles of alcohol…$75,000 cars…$7,000 watches…$400 cell phones…after these kinds of expensive purchases it makes it really hard to save money. 

Even those of us who make good money, over $100,000 a year, would find it hard to purchase these goods and save a lot of money.  In fact regular purchases of these kinds of trappings will actually prevent you from becoming wealthy. 

This is the real secret of the wealthy elite in our nation. 

Rich people aren’t necessarily smarter than us and they don’t know anything we don’t know either. But what they do that sets them apart from the middle class is to spend far less than what they earn, save the difference and invest it to make them even more money. 

The people who are actually wealthy in this country don’t spend nearly as much of their income as the rest of us do, at least not percentage wise. They don’t get caught up in the trappings of wealth. 

Rather they recognize that true wealth comes from experiences; time spent with family and friends. They realize that a night sitting on the back porch, eating off paper plates with their loved ones is just as enjoyable as a night out at Morton’s Steak House with a $150 bottle of wine. 

Income has a lot less to do with wealth than you might think.  Sure you can make $250,000 a year, but how wealthy are you becoming if you spend $275,000 each year.  Plus if your salary goes down you still have the bills to go along with it. 

It’s much better to make $100,000 a year and save $25,000.  This way you’re actually building wealth by living within your means. 

The rich also realize that living rich isn’t about owning powerboats or vacation homes on the lake. They aren’t working their fingers to the bone chasing things that will inevitably become out of date, obsolete, thrown away and forgotten, instead they are living within their means and enjoying the freedom and peace of mind that comes from that. 

Another secret of the real rich is that they hate debt.  If you can’t afford to buy it in cash you probably shouldn’t.  You become rich by collecting interest on your money, not paying interest to own cars, TV’s, boats, and other toys. 

The rich know that those that flaunt their wealth aren’t truly rich. That’s probably why they don’t display their wealth as prominently as the rest of us do. To them it’s more important to have freedom. To be able to do what they want, when they want, with who they want. 

So the next time someone asks, “What’s the secret to being rich?” You can turn to them with confidence and say that it’s not some trick or secret passed on to only a select few. And no the rich aren’t smarter than the rest of us. The knowledge on how to live rich and be successful is available to us all. 

Tell yourself and everyone who will listen that financial freedom is the most powerful secret of all.  You become wealthy one dollar at a time.  Buying expensive luxury items just makes you poorer. 

So live within your means and over time you can be sitting on a million dollar bank account too. 

Keeping Money in Your Pocket, 

Nancy Patterson

Saturday, March 28, 2015

Get Paid to Surf the Web – for Real

Do you like to surf the Web? 

Ever use Google? 

Last question… 

How would you like to get paid to do both of those things? 

I’m talking about $50 an hour at a minimum. It could be a great part time gig to make extra money. If you go full-time, you could make a very nice living – close to six figures a year. And in either case, you don’t have to worry about going to an office, a 9 to 5 schedule, or any of that corporate hassle. 

You work where you want, with whom you want, when you want (although you do have to meet deadlines). 

And it’s all thanks to a specialized skill (one you can learn easily with practice) that you combine with a little mental elbow grease to create a money-making opportunity that could only come around in recent years. 

I’m talking about becoming an Internet researcher. 

No degree, special training, high-tech equipment, or expensive software is required. All you need is your computer, access to the Internet, and an email account. Yet, you’ll cash in doing something you probably already do for hours every day for free. 

As a Internet Researcher you’ll work with writers, marketers, authors, website owners, publishing companies, and other businesses to find information they need for their blogs, websites, articles, books, ebooks, special reports, white papers… basically anything that can be published offline or online. 

These folks want to concentrate on the actual writing, which is what makes them money. So they prefer to hire freelance professionals to do the research. 

They need facts and figures, statistics, quotes, case studies, testimonials, study results, graphs and charts… and much more. 

A project could be tracking down information about the Great Depression and accounts of daily life of that era for a novelist writing a book set in that time. Or you could help an advertising copywriter who needs detailed statistics about historical gold prices for a new sales letter. Or a blogger might need help tracking down quotes from famous politicians for his latest post. 

Really the sky is the limit when it comes to the assignments you’ll get as an Internet Researcher. That’s what makes this opportunity so fun – every day will be different. 

Your Research Resources 

The Internet is chock-full of information to help you with your research projects. 

Search Engines 

Search engines are the gateway to the Web, so it’s no surprise that you would start your research here. 

Google is a huge resource. First off, the search engine itself is a wonderful tool. Just by entering keywords related to your research assignment, you’ll have instant access to hundreds, if not thousands, of possible resources to get information and stats you need for your project. 

To get the most out of Google, there are a few best practices you should follow. Otherwise it’s quite easy to get buried under a mountain of results, many of which aren’t useful. 

1.  To look for a specific word or phrase put it in quotes. This will return only results with those exact words in them, which eliminates many related but not useful results you might get otherwise. 

Say, for example, you were researching European cruises. If you put that in Google, you would get information on both Europe and cruises, including cruises everywhere in the world. But if you the phrase in quotes and search for “European cruises” the results would be only about, you guessed it, cruises in Europe. 

2.  You can also exclude words from your searches to get more targeted results. All you have to do is use the minus sign. So, for example, if you don’t want any information about Mediterranean cruises specifically, you could search for this: 

European cruises- Mediterranean. Be sure that the minus sign is touching the word you want to exclude. 

3.  To search for similar words at the same time, you use this symbol: “~” 

For example, to get results about ferries in Europe, as well as cruises, you would enter this in the search box: 

European cruises ~ferries 

Google offers a wide variety of search tools just like this. You can find the official search tips here: 

Google also offers some other resources that are perfect for Internet researchers. 

Google Books– Save a trip to the library. You’ll also be able search by keyword and Google Books will scan the thousands and thousands of books in its collection to find related passages. 

You could also set a Google Alert for articles and news related to the topic you’re researching. When you sign up, you’ll receive a regular email (daily if you wish) from Google that offers the most recent and most informative news stories and other web content (including blog posts) on that topic. So instead of searching for the information it comes directly to your inbox. 

Of course, when it comes to search engines Google isn’t the only game in town. Microsoft’s is fast becoming a quality search engine. It returns different results than Google. So if you’re Google search is coming up dry, check out Bing. 

Another great search engine, especially for statistics, historical data, and other detailed, quantifiable information is Wolfram-Alpha. 

Industry Publications 

Industry publications specific to your topic are going to be required reading. For example, if you are researching human psychology for your client, you would definitely check out the website for Psychology Today for the latest news and research in this field. 

If you are researching health topics, check out some of these: New England Journal of Medicine, Merck Manual (info on drugs, diseases, and health), and Journal of the American Medical Society. 

Financial News 

Copywriters working with investment advice publishers can be very lucrative clients. They get paid a lot – so they pay the people they hire to help them well, too. For these types of clients you don’t need to be an expert in investing. But it helps to know where to track down the information they need, like current and historical stock prices, quarterly reports, news from the Federal Reserve, and similar information. 

Bloomberg, Reuters, and the Wall Street Journal are excellent sources of financial news and trend analysis. Yahoo Finance is the best place to find stock quotes and other “numbers” like that. 

Magazine and Newspaper Archives 

Thanks to the Internet, hundreds of publications have put decades and decades of past issues online, every article searchable by keyword. Go to sites for the New York Times, Time Magazine, and the like and search their archives for information on just about any topic you need for your research project. 

If you’re clients are interested in worldwide economic trends, check out The Economist or U.S. News and World Report. 

Government Websites 

The U.S. government puts out a ton of information every day, week, month, and year. You’ll find official statistics for things like gross national product, unemployment, agriculture figures, geographical and geological surveys, and so much more. 

So keep an eye out for government agencies related to the niches you’re researching in. 

-The Food Drug Administration is in charge of drugs and medical treatments. 

-The Bureau of Labor Statistics studies how many people are working out there and where. 

-The Small Business Administration helps entrepreneurs get on their feet. 

-The Census Bureau has information on population, political affiliations, and more. 

-The Bureau of Economic Analysis releases information on the U.S. economy. 

This is just a small taste of the government agencies that you can use as research resources. This is official data – very trustworthy. 

Warning! Warning! Danger Ahead! 

Caution: Do not use Wikipedia as a primary source. There are just too many people with an agenda (or just plain wrong information) on Wikipedia. You can use Wikipedia as a jumping off point for further research. Never use any info directly from this site. 

The Nuts and Bolts of Finding Gigs 

The best way to find clients for your Internet research business is to ask. 

It’s that simple. 

Believe it or not, many of the world’s best paid copywriters, authors, and other writers do not realize how they could benefit by hiring a researcher to track down information for them. 

So all you have to do is contact them and explain the benefits. 

The first step is to make a list of the top copywriters, authors, publishers, website authors, and bloggers. Get their contact information. And then write them a simple letter explaining the benefits of your services. 

Sure, not everyone will respond and hire you. But those that truly understand will appreciate the value of your work and will get in touch. 

You can also post your services on, and other freelance sites. 

Lastly, be sure to let your network know about your new career. Put it on Facebook, on LinkedIn, on your own blog… wherever. You never know who you know that might hire you… or whether they have somebody in their network in need of your services. 

Once you land a client, it’s time to set ground rules. 

As an Internet Researcher you’ll probably have to offer your services at around $20 an hour to start. But once you have some experience under your belt, within a few months you could be charging $50 or more per hour. I’d recommend working out retainer relationships with good clients that pay well and you enjoy working with. 

That way you have a steady stream of income, even if you just keep this as a part-time income stream. 

If you run into any potential clients that balk at paying $50 an hour for your research services, remind them of all the time and hassle they’ll be saving. These folks are interested in saving time most of all because they know they’ll be making plenty of money once the project is done and it’s ready to be published. 

To Your Success, 

John Hollister 

P.S. The Internet is the world’s most powerful and comprehensive research resource. There are thousands of websites that can help you research any topic under the sun. But here are some of the best – you’ll no doubt discover your own as you start your Internet research business. 

Search Engines 




New England Journal of Medicine: 

Journal of the American Medical Society: 

Merck Manual: 

Government Websites 

Food Drug Administration: 

Bureau of Labor Statistics: 

Small Business Administration: 

Census Bureau: 

Bureau of Economic Analysis: 

Where to Find Jobs 

You can’t get paid to surf the Web without clients, right? Here’s where to find them: