Money for Nothing

Happy Father's Day!

2011-06-19T00:33:00.001+08:00

Fathers Are Wonderful People

Fathers are wonderful people
Too little understood,
And we do not sing their praises
As often as we should...

For, somehow, Father seems to be
The man who pays the bills,
While Mother binds up little hurts
And nurses all our ills...

And Father struggles daily
To live up to "his image"
As protector and provider
And "hero of the scrimmage"...

And perhaps that is the reason
We sometimes get the notion,
That Fathers are not subject
To the thing we call emotion,

But if you look inside Dad's heart,
Where no one else can see
You'll find he's sentimental
And as "soft" as he can be...

But he's so busy every day
In the grueling race of life,
He leaves the sentimental stuff
To his partner and his wife...

But Fathers are just wonderful
In a million different ways,
And they merit loving compliments
And accolades of praise,

For the only reason Dad aspires
To fortune and success
Is to make the family proud of him
And to bring them happiness...

And like Our Heavenly Father,
He's a guardian and a guide,
Someone that we can count on,
To be always on our side.

~ Helen Steiner Rice ~

Prospectus Summary: San Miguel Corporation Pref. Series “1″ (SMCP1)

2011-05-16T07:19:00.001+08:00

copied from jcmiras.net

This preferred shares of San Miguel Corporation (SMC) was quite controversial when it was created because this is a conversion from 35% of SMC’s common stocks, which has a voting-right, and part of that converted common stocks to preferred stocks were the contested Coco Levy Funds of the coconut farmers. By converting the common shares attributed to the coco levy funds, the purported owner of the levy funds losses part-ownership of SMC and its voting rights in exchange of a fixed dividend income. Also, the Issuer (SMC) can anytime, three years after the issuance, redeem the preferred shares and totally strip all the remaining connection of the levy fund to San Miguel Corporation.

Below is the prospectus summary of SMCP1:

Issue price: an exchange ratio of one (1) Series 1 Preferred Share for every one (1) Class “A” or Class “B” common share tendered, or Php75.00 per share.
Dividend Rate: A fixed annual dividend rate of 8.0% which was based on 5-year PDST-F plus a spread determined by the SMC Board. It is payable quarterly, beginning on the third month after the Issue Date. If the company’s Board does not declare dividend for the dividend period, dividends on the Shares will be cumulative.
Redemption: Shares are redeemable in whole or in part, at the sole option of the Corporation, at the end of three years from the Issue Date
Other Features: The shares are perpetual, non-voting, non-convertible, and non-participating.
Dividend Rate Step-up: If not redeemed at the end of the fifth year from the issue date thereof (the “Issue Date”), the Dividend Rate shall be adjusted to the higher of (i) the current Dividend Rate, and (ii) the 10-year PDST-F Rate (or such successor benchmark rate) as displayed under the heading “Bid Yield” as published on the PDEx Page (or such successor page) of Bloomberg (or such successor electronic service provider) at approximately 11:30 a.m. Manila time on the date corresponding to the end of the fifth year from the Issue Date plus a spread of up to 300 basis points.
Issue Date: Oct. 5, 2009 (??)

Prospectus Summary: Petron Corporation Preferred (PPREF)

2011-05-13T07:19:00.007+08:00

copied from jcmiras.net

This preferred shares offered by Petron Corporation is superior than other preferred shares like ACPR, ACPA, FPHP, SMCP1 and Pure Foods because of its relatively high dividend rate and step-up rate, in case of non-redemption. But the investors must be cautious because this high return might have high risk involved.
Below is the summary of PPREF prospectus;

Offer Price: Php100 per share with a par value of Php1.0 per share

Dividend Rate: fixed rate of 9.5281% per annum. The declaration and payment of dividends on each Dividend Payment Date will be subject to the sole and absolute discretion of the Board of Directors to the extent permitted by law. If the Company‘s Board does not declare a dividend on the Shares for a dividend period, dividends on the Shares will be cumulative. Dividends on the Shares will be payable quarterly on March 5, June 5, September 5 and December 5 of each year.

Dividend Rate Step-Up: In case of non-redemption of the Issuer, the Dividend Rate shall be adjusted on the Optional Redemption Date to the higher of (a) the current Dividend Rate or (b) the 10-year Fixed Rate Treasury Note benchmark yield as displayed on the PDST-F screen of the PDEx page (or such successor page) of Bloomberg (or such successor electronic service provider) at approximately 11:30 a.m. for the date corresponding to the Optional Redemption Date plus a spread of 487.5 basis points.

Other Features: the Preferred shares are non convertible, non-participating and non-voting

Listing: The shares were listed on the PSE on March 5, 2010.

Prospectus Summary: San Miguel Pure Foods Company Preferred Shares (PFP)

2011-05-11T07:17:00.001+08:00

copied from jcmiras.net

Here’s another good source of dividend income for Filipino, and maybe also foreign, investors. It’s the preferred shares that is being offered by San Miguel Pure Foods Company, the food business subsidiary of the San Miguel Corporation. The shares is scheduled to be listed and started to be traded in the Philippines Stocks and Exchange (PSE) on March 3, 2011. Below is the summary of the prospectus;

• Offered price: Php1000 per share with par value of Php10.00 per share
• Issue Date: March 3, 2011
• Dividend yield of 8.0% (based on the 5-year PDST-F rate of 5.7788% p.a. as of February 8, 2011 plus a spread of 2.2212%.) Dividends will be paid quarterly on March 3, June 3, September 3 and December 3. The declaration and payment of dividends on the Preferred Shares will be subject to the sole and absolute discretion of the Issuer’s Board of Directors (the “Board”) to the extent permitted by law, however, dividends will be cumulative if the Issuer’s Board does not declared dividend for the dividend period.
• Shares are non-voting, non-participating, and non-convertible.
• Optional Redemption at 5 years after the issue date at offer price. If not redeemed after 5 years, the dividend rate will be adjusted to whichever is higher of current dividend rate of 8.0% or 150bps on top of the 10yr PDST-F.

Note that the 8.0% per annum dividend rate is a gross amount and still subject to 10% withholding tax for Filipino investors.

Poor Man's Prophet Robert Kiyosaki, author of Rich Dad, Poor Dad says that everything you've been told about money is a lie. Is his vision setting us on the right track--or is it just more financial snake oil?

2011-05-09T07:19:00.001+08:00

By Peter Carbonara with Joan Caplin

January 1, 2003

(MONEY Magazine) – The theater at Madison Square Garden, located beneath the famous New York arena, is a 5,600-seat venue that has played host to boxing matches, trade shows and numerous second-tier rock groups. One Tuesday night this past fall the attraction was Robert Kiyosaki, author of Rich Dad, Poor Dad, a financial self-help book now in its third year on the New York Times paperback bestseller list. For a solid three hours, standing in front of a table laden with purple and gold Rich Dad merchandise, the 55-year-old Kiyosaki told a full house of paying customers that most of what they thought they knew about money and finance was wrong.

A job with good benefits and a 401(k)? Strictly for suckers.

Continue reading.......

Prospectus Summary: Ayala Corporation Preffered Class “B” Shares (PSE:ACPR)

2011-05-06T07:17:00.004+08:00

copied from jcmiras.net

Here’s another “hard-to-find” prospectus summary or description of one of the relatively actively traded preferred stocks in the Philippine Stock Market (PSE), ACPR.

•    Issue Price: Php100.00 per share
•    Issue Date: 21 July 2006
•    Dividend Rate: 9.4578% (of the Issue Price)
•    Dividends on the Shares will be payable on January, April, July, and October of each year.
•    The declaration and payments of dividends on each Dividend Payment Date will be subject to the sole and absolute discretion of the Board of Directors to the extent permitted by law. The dividends, however, is cumulative.
•    As and if declared by the Board, the Issuer may redeem the Preferred Shares on the fifth anniversary from the Listing Date (the Optional Redemption Date) or on any Dividend Payment Date thereafter in whole (but not in part only), at a redemption price equal to the Issue Price of the Shares plus accrued and unpaid dividend periods up to the actual redemption by the Issuer.
•    If the Preferred Shares were not redeemed by the Issuer, the Dividend Rate shall be adjusted on the Optional Redemption Date to the higher of (a) the Dividend rate, or (b) the 10-year Fixed Rate Treasury Note benchmark yields as displayed on the “MART1″ page (or such successor page) of Bloomberg (or such successor electronic service provider) as of the Optional Redemption Date.

Prospectus Summary: First Philippine Holdings Corporation (Preferred) (PSE:FPHP)

2011-05-04T07:22:00.000+08:00

copied from jcmiras.net

•    Offered price: Php100 per share
•    Issue Date: 30-Apr-2008
•    Dividend yield of 8.7231% net for corporate clients and 7.85% net for individuals. Dividends payments is twice a year.
•    Shares are preferred, perpetual, cumulative, non-voting, non-participating, and non-convertible.
•    Optional Redemption at 5 years after the issue date at offer price. If not redeemed after 5 years, the dividend rate will be adjusted to whichever is higher of 8.7231% or 175bps on top of the 10yr PDS-TF.

TIPS ON HOW TO BECOME A BETTER INVESTOR

2011-05-02T07:10:00.000+08:00

By Ron Nathan

ORIGINALLY, when I wrote this article 6 years ago, it was entitled the Ten Commandments. However, this time, there are only nine, as I decided to omit the one about adultery. When Moses went up Mount Cyanide, he came down with two heavy tablets made of stone, engraved in Hebrew. Unfortunately, I am much older than he was, so I took the cable car up Mount Mayon and instead of bringing down two large tablets, I brought down two capsules. I had them translated from Mayonaise to English and here they are.

Despite the humorous introduction, the rest of this article will completely change your investment psychology and you will be a far better investor in the future. What follows is based on 59 year’s experience in London and Manila. You can profit from my observations and mistakes. It will be particularly useful for beginners whose knowledge of investing is limited. Good luck, and if you find it useful, cut out the articles and paste them on your bedroom or office wall, in between your pin-ups of Beyonce and Jessica Alba.

Commandment No. 1: Do Not Trade Against The Trend

You will be shocked to learn that almost 90% of investors in the Philippines, U.S., UK and Japan lose money in the stock market. This is because they ignore the first commandments and jump in only after the market has already had a big rise. Let us examine the Phisix first.
On January 9, 1997, the index stood at 3,420. Since then, it has been changed many times, with the worst performers weeded out and replaced by better companies. Despite this, the Phisix is still below the level it was 13 years ago. So, in theory, you have lost about 20 percent of your money but this does not take into account inflation, which in earlier years was very high. Adjusting for the depreciation of the peso, you have lost 40 percent. During this period, you would have received hardly any dividends whereas you could have earned 10 percent plus on bonds before. Allowing for the loss of 13 years interest, your real loss is around 60 percent.

It was the same story in Japan, where the NIKKEI plunged from, almost 40,000 down to 8,000, and is still only a fraction what it was in 1990. It would have been far better to have bought gold, property or an oil tanker. The value of super tankers had tripled.

So why invest in the stock market at all? The short and honest answer is that you should not, unless you follow the rules, which I will set out in the next few pages. The prime requirement is patience. There is no such thing as long-term investment. Ask the Japanese, whom after 20 years are still losing much of their capital.
You only BUY when the market has fallen and the technical indicators say that it is about to turn up. There are many indicators and I will deal with some in due course. Conversely, you SELL when that index has had a big rise and the indicators show that momentum is slowing down or is about to decline.

Players do not use their head, they trade on their emotions, and this is nearly always wrong. I will tell you where to get the necessary fundamental and technical data, but in the meantime, you can use a 20-day moving average of the index or any stock, which you hold. If you have a computer program, you have a big advantage over the average investor.

Commandment No. 2: Cut Your Losses Quickly

Years ago, before the 9/11 attack, a financial journalist wrote two books called Market Wizards, in which he interviewed about 50 fund managers who had outstanding records over a five-to-10-years period. Obviously, this could not be just attributed to luck so he interviewed them in great detail, hoping to find the connecting link. They traded commodities, currencies, options, futures and stocks.

They came in all shapes and sizes, short, tall, fat, thin, and it took him a long time to find theconnection. Some were pure fundamental analysts who never looked at charts; others were technical analysts who did not know one side of a balance sheet from the other. Some studied economics and neural networks while others preferred tarot cards or feng shui. Some had master’s degrees or doctorates while others came from the street where they ran the jueteng or sold drugs. Some were extremely serious and studied DESCARTES while others made terrible puns, were covered in tattoos and wore nose rings. It took him a long time before he hit on the solution. As the first four groups were highly leveraged, about 10 to 1, they followed the principles of POP COLA.

Prolong Our Profits, Cut Our Losses Aggressively

Incredible as it may seem, although they took great care in their entry points, 63 percent of their transactions resulted in small losses. About 30 percent made small gains while the remaining seven percent scored huge gains, doubling, tripling, quadrupling or even becoming 10-baggers, because of the leverage.
So, when you get it right, let your profits run until momentum stops rising. But when you get it wrong put a stop loss below your buying price, dependent upon your risk tolerance. Sometimes, this will be a mistake but it protects you against disaster. After all, you don’t complain about paying fire insurance because your house didn’t burn down. You can afford to cut small losses. It is the big ones that ruin you.

Commandment No. 3: Do Not Average Down

Under normal circumstances, I am against the death penalty, but not for those who break this commandment. They should be barbecued slowly over a fire while concentrated hydrochloric acid is dropped upon them. All the people I know who went bankrupt averaged down.

One client bought 20 million shares at 54 centavos on the advice of his neighbor who was a director of the company. I was acutely unhappy because the shares had risen from their par value of 1 centavo. Not only would he not sell at 50 centavos as I suggested, but also he averaged down at 40 cents, 30 cents, 20 cents and 10 cents. He had to sell his house and his business to raise the money. Finally, the shares stabilized at 1 centavo, before going bankrupt.

If you follow the second commandment, such disasters cannot happen to you. so you will never be faced with the decision of whether to average down.

Commandment No. 4: Do Not Overtrade

If you are trading every day, the only person making money is your broker. The expense involved is too high. You have to pay two commissions and a 0.5 percent sales tax. In addition, there is the difference between the bid and offer price, usually about 1 to 2 per cent. So you have to make four per cent just to break even. This is fine, so long as you BUY just as the stock is turning up, but if you deal constantly, the expense will ultimately cripple you.

That small percentage is enough to make all the incredibly costly casinos in Las Vegas profitable. They can afford to give free rooms, free food and drink, and free shows to high rollers because they know that a percentage advantage of 3.6% is enough to guarantee the house a sure profit over the long run. Trade only when the technical indicators tell you to. For the remainder of the time, do nothing. Patience is a virtue.

Commandment No. 5: Do Not Trade On Tips

In England, we say, “Where there’s a tip, there’s a tap.”

I am sure you all remember BW. The shares were run up deliberately by a consortium that, by tips and cross trading, created enormous volume and sent the shares from P0.40 (under a different name) to P108. Almost everyone except me got sucked in, mostly at the higher levels, and those speculators, who did not use stop losses, saw their shares go all the way down to P0.40 and below. One old lady wrote to me that her broker had recommended it at P104. Would she ever see her money back? I replied, somewhat unkindly, “Only if you believe in reincarnation.” These days, fewer people follow tips.

Commandment No. 6: Do Not Chase Prices

If the price runs away from you, don’t chase it. Most of the time, it will correct.

Commandment No. 7: Be Wary Of Inactive Stocks

The documentary stamp, which made trading in shares well below their par value prohibitive, has been removed. As a result, trading has increased greatly and numerically third-liners comfortably exceed leaders.
I have a computer program that tells me when a stock increases in price by a certain percent and its volume is 50 percent above its 50-day moving average. This alerts me to inactive stocks that suddenly become active. Often, the spread between bid and offer is too great or the number of shares available is too small to be of any interest but occasionally, it throws up something interesting.

Commandment No. 8: Buy Low Priced Stocks

By this, I don’t mean stocks quoted at a fraction of a centavo. I mean decent stocks standing around at P1 to P5. Obviously, it is easier to double your money on a low-priced stock than on a high-priced bank or insurance company. TEL, my most successful recommendation at P226 and now over P2600, is not likely to double from this level.

The Last Commandment, No. 9: LEARN TECHNICAL ANALYSIS and I will tell you where to get information.

If you desire to become a really competent investor, you must also learn global economics and fundamental analysis. By global, I do not mean that you have to study every country, but you must at least know what is happening in the United States. Wherever the American stock market is heading, the rest of the world will follow. After the 9/11 attack, the US market got battered for a few months and every other stock market followed the downtrend. When the US market finally got back on its feet, every other market recovered.
How do you learn about the American stock market? First, listen every night to Bloomberg, assuming that you have cable TV, and tune into CNN. Listen to Chairman BERNANKE when he addresses the Senate or Congress. If you cannot do this, then read his speeches in the newspaper or go to the Internet and check on CNN Money.com or Bloomberg.com and also read the commentaries. When Wall Street sneezes, the rest of the world catches pneumonia.

Basic Knowledge

For the local market, the business section should give you all the necessary information. But if you want more details, to the web sites of the National Economic and Development Authority or the Philippine Stock Exchange and listen to channels which are largely devoted to the economic and political situation of the Philippines. You can also enroll in courses at universities and colleges.

Next, you should have a basic knowledge in fundamental analysis. This means that you need to know all about companies. You must know how to read a balance sheet, calculate the earnings per share and from this, the price/earnings ratio. You need to understand what a yield means, how many times a dividend is covered, and what preferred and convertible stocks are. You should know book value and understand such concepts as debt and cash flows.

You can take a course in accounting or business management, and there are plenty of books, local and imported, in all the major bookstores. Or you can subscribe to my newsletter, which contains all of the above.
If you want to buy a simple but excellent technical analysis book, try TECHNICAL ANALYSIS OF THE FUTURES MARKET by John Murphy, available at local bookstores but expensive. It was written years ago but is still considered to be a classic. Every aspect is explained simply and it can be used for trading stocks, commodities, currencies or futures. Also buy Beyond Candlesticks by Steve Nison, a must. There are many sites on the Internet, which will teach you technical analysis and provide the necessary charts and parameters.

Good Luck!

Prospectus Summary: Ayala Corporation Preferred Class “A” Shares (ACPA)

2011-04-29T07:19:00.001+08:00

Copied from jcmiras.net

It’s quite hard to find a comprehensive prospectus of stock shares in the Philippine Stock Market (PSE) particularly, for the Preferred Shares. Here’s a good description of the features for the AYALA CORPORATION PREFERRED CLASS “A” SHARES (ACPA);

• Issue price: Php500.00 per share
• Issue Date: 25-Nov-2008
• Dividend Rate is fixed at 8.88% (of the issue price) per annum.
• Dividends will only be distributed to shareholders if and when the company’s Board of Directors decides to declare it. The dividends, though, are cumulative.
• The Dividends will be paid quarterly in arrears on the last day of each 3-month Dividend Period (Dividend Payment Date) of February, May, August, and November of each year.
• The Shares are redeemable, as and if declared by the Issuer’s Board, on the fifth anniversary from the Listing Date (Optional Redemption Date) at a price equal to the Issue Price plus accrued and unpaid dividends for all dividend periods up to the Redemption Date.
• If the Shares are not redeemed on the fifth year from the Listing Date, the dividend rate will be adjusted to the higher of the Dividend Rate, or the 10-year Fixed Rate Treasury Note benchmark yields as displayed on the “PDST-R2″ screen of the PDEX page of Bloomberg at approximately 4:15 p.m. for the date corresponding the Optional Redemption Date, plus a spread of 0.0088 or 88 bps.

Your quiz answers have suggested that your trader profile is a "Timid Struggler"

2011-04-28T23:35:00.000+08:00

If you are a Timid trader then typically you might lack confidence and might be unsure about what trades you should be taking. Even when you do take trades, you are probably not too confident about them and don't really have a positive expectation of the result.

Since you aren't too sure or comfortable, you will tend to look to others for advice and direction. You might research to find what others are saying or doing so you essentially become a market 'follower'.

Your lack of confidence will generally mean that you will also be cautious in the market - this might lead to taking a lower number of trades and making sure that you don't leave your trading funds too exposed or at risk.

Struggler

As the name suggests, this stage occurs when traders find it difficult to actually get going with their trading or with making profits. It is the stage where the dream of easy profits is met by the harsh reality of what it actually takes to be successful.

This is a stage that many traders will find themselves in at one point of their journey. It is important to understand why and then look at what you need to do to push ahead (before it's too late). The Struggler is often a trader that has started learning about forex trading and then gets frustrated when the profits don't start flowing like they had been led to believe. You maybe started trading and found that certain circumstances have conspired against you. Your trades have not panned out as you anticipated. You may not really know what has gone wrong or what you need to do to correct things.

People get attracted by all the mentions of potential profits that can be made but the Struggler suddenly finds it is not as easy as they had imagined. You may have already made some losing trades and seen your bankroll shrink. You might start chasing losing trades or making trades that put your bankroll at risk.

Often Strugglers will recognize the need for change but they don't always know what to do about it. So you might feel isolated and lacking in resources to turn things around. You might not have any support systems or guidance that can point you in the right direction.

"Moving Forward"
Timid

You need to progress from being this type of trader if you hope to make real and sustainable profits. This means looking at ways to increase your confidence and experience. There are various ways to do that including accessing quality trading education and learning practical trading skills from experienced mentors.

The important first step is making a commitment to yourself to really change your mindset and approach. It is fine to be timid or cautious with your trading funds but you need to ensure that you develop more confidence with the trades that you take and the overall potential of your trading future.

Struggler

To move forward from the Struggler stage, make sure that you firstly take a step back from your trading until you are comfortable with the direction you are heading. Don't be afraid to get suitable training or to find someone that might be able to guide you on the right path. Take action and do it quickly.

Struggling with your trading can be frustrating and annoying. You need to also make sure that it's not financially devastating as well. Work out what areas of trading you need help with. Develop a plan of attack for how you will solve them and then take action as soon as you can.

Don't be dispirited. It's just time to take your trading more seriously.

Rommel, Your Next Action:

A great trader generally has developed skills and characteristics such as:
being decisive, organized, and able to execute trades systematically
being able to grasp the "big picture"
being able to analyze the charts and use logic to base sound decisions on

We've designed a solution called the Forex Power Group specifically to meet the needs of your trader profile (the "Timid Struggler") and many others. Make sure you watch our next video in a few days time to see how the Forex Power Group can take your trading to the next level and beyond!

Explanatory Notes

The trader profiles are not meant to be a scientific or detailed assessment although they have been determined based on extensive research into the various factors that influence individual performance.

They are not intended to be critical or negative in any way, in fact they have been created as a way of identifying areas that can be improved so that every trader has the best possible chance of long- term success.

Please take note of how you can move forward and achieve the type of future that you have probably dreamed about.

Our trader profiles cover two main components:

Trading Personality and Mindset
This looks at some of your personal attitudes and attributes. It also looks at how you approach your trading. It is meant to indicate something about how you personally look at trading and how this might impact on your success or failure.

This is important as studies have shown that profitable traders have a lot of common attributes that help to make them successful. We can use this information to see how we compare and to see what areas we might need to improve in so that we can achieve the same level of success over the long term.

Don't take the result or the category too literally but consider if it applies to you and how you can use this information to be successful in the future.

The Stages of Forex Learning
Like most things in life, Forex can be a bit of a journey. We might know that we want to end up making money and becoming successful traders but we have to start at the beginning and work our way there. It is not always quick and it certainly is not always easy. You'll find plenty of potential detours that will divert you from the overall path and there will also be plenty of potholes along the way.

Just like any journey, there are various stages that you need to go through before you become a professional. I classify most traders into five broad categories which I call how quickly you can move through the various stages so that you become genuinely successful. I call this this the "Speed of Transition" - it's something to keep in mind when you think about your future in Forex. Just stay focused on your end goal and move forward to get there as soon as you can.

What's the difference Between SMC Secondary Offerings with other offerings?

2011-04-26T23:54:00.000+08:00

A secondary offering is the issuance of new stock for public sale from a company that has already made it's IPO. They normally do this to raise more capital or to refinance their business.

STOCK TRADING TIPS

2011-04-26T23:01:00.001+08:00

This article was picked-up from Millionaire Acts. For more interesting reads please go to that site. I posted it here for so that I can go back to the article easily.
By Tyron Solee

I have been involved in stock trading for quite some time now. Due to the question of one of my avid readers named dlanor from Saudi Arabia, here I am now sharing some stock trading tips that readers can use to trade stocks.

But before anything else, for the beginners in the stock market, you might want to read my article onhow stock market works to familiarize yourself on the stock market.

Once you already got familiarized with the stock market and started doing stock trading, here are some of the useful tips that I learned from my stock trading experience:

Stock Trading Tip No. 1: First of all, I’ve seen a study conducted by ATR-Kim Eng Securities comparing the monthly stock returns on election years as against any other “normal” year. As seen from the graph, the month of August, historically is considered as the “ghost month” in stock trading since it is in this month that registered the lowest yield as against other months whether election year or not. You can also see from the graph that historically, the month of December gives the most yield and so it “may” be good to buy stocks on the month of August when stocks are low and later sell it on December when stocks prices are picking up.

Stock Trading Tip No. 2: Don’t buy in smaller volumes. If you have enough capital to spend in stocks, then try to buy huge volumes of your favorite stocks because if you buy in smaller volumes, then chances are you will incur higher stock trading fees such as broker’s commission, VAT, etc.

Stock Trading Tip No. 3: Transaction costs in buying vs. selling stocks. Each time you make a transaction, whether buying or selling stocks, you will incur transaction fees. Based on the transaction costs that I learned, it is “more expensive” for you to sell stocks than to buying it because selling stocks incurs a much higher transaction costs.

Here in the Philippines, the following transaction costs are associated with buying and selling of stocks.

Transaction Costs in Buying Stocks:

Commission - 0.25% of Gross Amount or Php 20, whichever is higher
VAT (Value Added Tax) - 12% of Commission
SCCP Fee - 0.012% of Gross Amount
Philippine Stock Exchange (PSE) Fee - 0.011% of Gross Amount

Transaction Costs in Selling Stocks:

Commission - 0.25% of Gross Amount or Php 20, whichever is higher
VAT (Value Added Tax) - 12% of Commission
SCCP Fee - 0.012% of Gross Amount
Philippine Stock Exchange (PSE) Fee - 0.011% of Gross Amount
Sales Tax - 0.5% of Gross Amount

In applying these fees, let’s use the following sample: Suppose Tyrone bought 100 shares of Ayala Corp. (AC) at 290 per share. He then sold it at 295 per share. How much did he gain NET?

Computing for the following transaction costs written above:

In buying 100 shares of Ayala Corp. stock at 290 per share, you will pay a total of 29,087.87 broken down as follows:
Gross Amount: 29,000
Commission: 72.50
VAT: 8.70
SCCP Fee: 3.48
PSE Fee: 3.19

Suppose, the stock went up by 5 and the price now became 295 and you intend to sell it, you will just collect your NET GAIN of 29,263.12 broken down as follows:
Gross Amount: 29,500
Commission: 73.75
VAT: 8.85
SCCP Fee: 3.54
PSE Fee: 3.25
Sales Tax: 147.50

In effect, the total gain that you had from buying 100 shares of Ayala Corp. at 290 per share and selling the same 100 shares at 295 is:

Total Net Income from Selling less Total Net Cost in Buying = 29,263.12 - 29,087.87 = 175.25

For the convenience of my readers, I prepared an excel sheet of transaction costs in buying and selling stocks. Just input your gross amount and it will automatically compute its net income from selling and net costs in buying stocks. You can download it here.

Stock Trading Tip No. 4: Don’t post too many orders at the start of the trading. If you have time to monitor your stock trading, then you should not post too many orders at the start of the trading. You should watch the trend of the trading day. Buy when you see a trend that the stock price is going down and sell when you see a trend that the stock is going up. Generally, you should post orders in the middle of the trading like around 10am to 11:30am to have a good view of the stock price that you intend to buy or sell. Stock trading is from 9:30 to 12:10 noon.

Stock Trading Tip No. 5: Look for the P/E ratio. Price-Earnings Ratio of the stock ‘may’ tell the profitability of the said company. This is the ratio between the stock price over its earnings. The higher the P/E Ratio, the higher the profitability of the company. BUT do not solely rely on this ratio. It may indicate that a high P/E ratio means that the stock is overpriced because of some manipulations.

Stock Trading Tip No. 6: Buy back of shares or major acquisition. Companies also disclose to the stock exchange when will they buy-back their shares. Usually, this happens towards the end of their fiscal year because they want their ‘books’ to look good. This is called window dressing. Look for companies that disclose a buy-back of their shares. As the date of the buy-back approaches, there’s a high probability that their stock price will climb. Also, some companies buy-back their shares to take advantage of its depreciated value in the market especially if they think that the current price of their stock in a bearish market does not reflect the true value of the company’s shares.

Additionally, there are also disclosures about a company acquiring a significant percentage of stocks of another company. These instances will probably increase the stock price of the company being acquired as the date of the acquisition approaches.

Stock Trading Tip No. 7: Look for the 52-week range. I’m not good in technical analysis with in stock trading. But one way of gauging to know if the current stock price is high or low is to look for their 52-week high and 52-week low. The 52-week range is the highest and the lowest the stock price of the company closed in any given trading day in one year. It’s a gauge of how much the stock price has appreciated over a one-year period time frame. For example, the 52-week low is 250 and 52-week high is 400. Definitely, to increase probability of profits in stock trading, don’t buy at a price too close at 400.

Stock Trading Tip No. 8: Look for stocks that declare dividends. Dividends are passive income that companies give to their stockholders. Look for the companies that declare these dividends whether a cash dividend or stock dividend. Generally, when the ex-date of the dividend declaration approaches, the higher the price of stock will be.

Stock Trading Tip No. 9: Look for actively traded stocks. These are stocks that are in the “hot seat” where there are a lot of buyers and sellers. Surely, the law of supply and demand will apply here. If there are a lot of buyers than sellers, then stock price will tend to go up. However, if there are a lot of sellers than buyers, then stock price will tend to go down.

Stock Trading Tip No. 10: Watch the Federal Rate (FED) Rate Cuts. Generally, if the FED declared a rate cut on its Federal Open Market Commitee Meetings, stock prices will tend to go up and rally. To know why, you can view my article on how federal rate affects investors.

Stock Trading Tip No. 11: Watch for economic indicators such as consumer confidence index, inflation rates, unemployment rates, gross domestic product, gross national product, etc.

Watch for any inflation news. There’s an inverse relationship between inflation rate and stock prices. Definitely, the tamer or the lower the inflation, the higher the probability that the stock market will rise. In contrast, a high inflation rate will give the possibility of stock prices to go down. This is evident when the oil reached its peak of almost $150 per barrel last July 2008 when investors dumped their stocks! Why? Because a high inflation rate causes the raw materials costs of companies to go up. And with higher costs and less revenues, definitely companies will post losses. Added to this, a high inflation encourages consumers to reduce spending on non-basic items. In turn, corporate profits either drop or post slower growth, leading to lower valuation of stocks.

Watch for indices such as consumer confidence index, housing prices and housing sales, employment rate, Gross Domestic Product or GDP, Gross National Product or GNP, etc. The higher the value of these indices show that the economy is doing well. And when the economy is doing well, then companies may post huge profits and therefore stock prices will tend to go up.

Watch for writedowns or net losses of companies. This is no doubt. If there’s any news of big writedowns from any of the largest banks caused by the credit crunch which stemmed from the subprime mortgage crisis, then definitely investors will dump their stocks. Why? Because writedowns mean huge losses to these companies hence stock prices will go down.

Watch for Credit Ratings. Credit rating agencies such as Fitch Ratings, Moody’s Investors, and Standard & Poor’s are some credit rating agencies that rate company’s credit. They either rate the company’s bonds, credit default swaps or CDS, and credit facilities. Any downgrade will push the stock prices of these companies to go down.

So there you are my stock trading tips that I learned in my stock trading experience. I don’t claim I’m a good stock analyst but I’m trying to learn these things as part of my financial education.

With these stock trading tips, definitely you can trade stocks even you’re not an expert in technical analysis like me.

Are you sick and tired of being broke and being in debt all the time?

2011-04-06T22:05:00.002+08:00

Click here to view more details

Are you sick and tired of being broke and being in debt all the time?

Click here to view more details

INSIDE: 5 Keys to Being Free from Debt so You Can FINALLY Live the Life You Want

Click here to visit Think Rich Yuppies.

My Mass Money Maker Review

2011-02-08T19:42:00.002+08:00

So, Mass Money Makers is just about to launch and it seems to like that everyone is on board.

I am sure that you will receive like ten more emails about it, but I got a sneak peek at the product, and want to give you my review.

So, what is Mass Money Makers?

It's based on a simple concept that works (and works well)...this concept is what allows us to rank on 1st page of Google within two to three weeks for just about any keyword out there...

...then we take those same rankings and get them to build massive (really massive) lists...which in turn are piped through "mass money funnels" and the end result is money.

Simple, yet very powerful. Indeed it is, and that's why they've simplified it into four core videos that are 2 to 3 hours each, where they break down everything in minute detail.

Can you get any better then that?

So in the end, I vote for Mass Money Makers. It's a great product, that really works.

If you've been looking for a way to make money online, then you really need to get in on it before the launch is completed.

When they first opened the doors, they said the software would be limited. I just got an update from them and as of now they only have 17 spots left!

I highly recommend that you get your hands on this software right now!

GO here:
http://tinyurl.com/4qdqwt6

2011-01-03T10:56:00.002+08:00

Why Do New Year's Resolutions Fail?

- by Tony Mase

Š Tony Mase - All Rights Reserved
http://hop.clickbank.net/?mengzhu/aplwdw
===================================

Are you making New Year's resolutions this year? If so, it
could be a huge waste of your time. If you always promise to
lose those stubborn 10 extra pounds - then gorge on candy
once Valentine's Day rolls around - you're not alone. In
fact, more than 75% of people who make New Year's
resolutions fail!

How can that be? Why can't we commit to something and stick
with it?

Psychologists say that New Year's resolutions can be a trap
for many people, because they don't really think them
through before they make them. Think about it - you've just
had your third glass of champagne on New Year's Eve, when
you decide to make quitting smoking your New Year's
resolution.

But, according to psychologists, that spontaneity is working
against you. The people who are most likely to fail at their
New Year's resolutions don't have a plan for success. They
think they can get by on sheer willpower. However, willpower
isn't enough; it can only sustain you for so long. Soon
enough, you'll give into temptation - and you'll dive right
into that pack of cigarettes.

And, once you do fail, you wind up feeling worse about
yourself than when you started. Now, in your mind, you're a
smoker and a failure.

My advice? Don't set yourself up to fail - don't make New
Year's resolutions!

Now, if you're going to go ahead and do it anyway, how do
you pick a New Year's Resolution you can stick to? Here are
4 tips that'll help:

1. Plan in advance.

If you really want to have a resolution, give it some
serious thought. If you want to start working out every day,
think about exactly when you'll go to the gym, how you'll
fit it into your schedule, and who'll watch the kids while
you're there. By planning everything out in advance, you're
eliminating the "wiggle room". You won't have any excuses if
everything's accounted for ahead of time.

2. Break things up into smaller segments.

Sure, you want to lose 10 pounds, but you're not going to
realistically lose them all in January. By breaking your
resolution into smaller parts - like trying to lose 2 pounds
a month for the next 5 months - you make your goal easier to
achieve. That way, you can still splurge every now and then
and still lose your 2 pounds for the month. By trying to
lose all 10 at once, you'll deprive yourself too much and
your willpower won't be able to take it.

3. Don't have a bunch of resolutions.

It's hard enough to succeed at one New Year's resolution.
Bad habits are hard to break and they're even tougher to
break when you're trying to break a bunch at once. Don't try
to quit smoking, lose 10 pounds, and stop drinking coffee
all at the same time. You'll never succeed.

4. Tell family and friends about your resolution.

By telling others about your goal, you're making yourself
publicly accountable. If you fail, you'll have to tell
everyone you failed. That alone can motivate you to succeed
- or not make the New Year's resolution in the first place!

-----

Tony Mase is a serious student of the works of Wallace D.
Wattles and the publisher of the "A Powerful Life: The Lost
Writings of Wallace D. Wattles" ebook by Wallace D.
Wattles...

==========================================================
"A Powerful Life: The Lost Writings of Wallace D. Wattles"
"How to Get What You Want" by Wallace D. Wattles together
with twenty-four other rare books and articles written by
Wallace D. Wattles.
Click Here Now => http://hop.clickbank.net/?mengzhu/aplwdw
==========================================================

HOW TO DOUBLE YOUR READING RATE

2010-12-14T18:06:00.000+08:00

Always, of course, our first goal is to improve your ability to understand everything you read. But this search for understanding does not conflict with a second vital goal – to speed up your reading rate.

Fast readers are good readers. And most people who read slowly do so because of one or two crippling habits they’ve picked up in their School years. Eliminate those habits and you liberate tremendous new-reading speed in yourself overnight.

Since you will be faced with a flood of paperwork in your lifetime, now is the time to build in that speed. Here are five simple tricks that will do it for you automatically:

1. Don’t let yourself point out words with your finger or a pencil. This slows you up. Read with your eyes only. This means your hands must be folded till you turn to the next page.

2. Keep from moving your lips or mouth. Lip-moving slows reading speed down to speaking speed. If it’s difficult for you to stop moving your lips, bite a pencil while you read till you lose the habit.

3. Don’t move your head from side to side. This tires you out and again slows up your reading. Only your eyes should move. Only your eyes need move.

4. Read aggressively. Actively. Tearing the ideas out of the pages with the techniques we are showing you in this book.

5. Learn the habit of skimming and then concentrating as described below. Make every reading assignment a search for main thoughts through a forest of useless words. Skim through 90 per cent those words, and concentrate only on the vital 10 per cent.

And then practice. Practice-practice-practice. Till you become an expert. Till these habits become second nature. Till you can zip through any written page, anywhere.

Want to "In Only 5 Minutes Quickly And Easily Double Your Reading Speed, Develop A Tape Recorder Memory, Breeze Through Any Test, Develop Total Concentration, Skyrocket Your Power To Handle Figures And Read A Speakers Thoughts... All Without Deep Study! In Only 5 Minutes Or Less Guaranteed!"

Then Visit Warren Banks at Click Here! . You Can Sign Up For His Free Online Course.

How to Become an Action Person

2010-09-22T20:32:00.002+08:00

- by Tony Mase

Tony Mase - All Rights Reserved
http://hop.clickbank.net/?mengzhu/tppc10

There are essentially two kinds of people in the world,
doers and non-doers. Doers do and thus, get things done;
whereas non-doers never do much more than think about doing
and thus rarely, if ever, get anything done. Those who get
things done get what they want, while those who don't, well,
quite simply, don't. Here's how to become an action person,
a doer who gets things done and gets what you want.

More often than not, though it may not always look so to the
casual observer, action people are highly organized. They
appear to move almost effortlessly from one task to the next
without missing a beat and, at day's end, usually have more
energy than when they started because of the momentum they
built up over the course of the day.

Non-action people, on the other hand, are usually highly
disorganized. They spend their entire day stumbling around
from one thing to another, without purpose, and, as a
result, come day's end, are totally exhausted and clueless
as to where their day went. Equating busyness with
accomplishment, they often think they're getting things
done, when, in truth, they're not, at least not anything of
significant importance.

The essential key to becoming an action person is
organization and the quickest and easiest way to get
yourself organized for action, whether it's at home or work,
is to make yourself a short, simple, prioritized to-do list
on a daily basis for the following day. The operative key
words here being short, simple, and prioritized.

Keep it short by limiting yourself to just a couple of tasks
you'll feel good about having accomplished. Keep it simple
by choosing tasks that can be done in a relatively brief
period of time. Prioritize it by asking yourself which of
the items on your list you'll feel best about having
accomplished and making that the first item on your list.

Personally, as a general rule, I limit my daily to-do lists
to two (max!), "vision-critical" tasks, things that are
absolutely vital to getting what I want, and I prefer tasks
on my daily to-do lists to be things I can accomplish in
just a matter of minutes.

When your allotted time to take action comes, whether it be
home or work, start with the first item on your to-do list,
your highest priority task for the day, and stay on it, to
the exclusion of all else, until it's done and done well.
After it is, cross it off your list and take a moment to
savor the feelings of accomplishment, power, and
satisfaction that come from doing so.

Then, if there is one, move on to the next item on your list
and do the same. If, after finishing it, you have more time
left, either give yourself some time off and go do something
you like as a reward, or add another high-priority task to
your list for the day.

I've often started the day with just one or two high-
priority, "vision critical" tasks on my daily to-do list,
yet accomplished twenty or thirty of them during my allotted
time with energy to spare, because of the built-up
momentum... and so will you!

Follow these simple instructions every day and you'll soon
find yourself becoming an action person, a doer who gets
things done and gets what you want.

-----

Tony Mase is a serious student of the works of Wallace D.
Wattles and the publisher of the "The Personal Power Course:
Ten Lessons in Constructive Science, Teaching You How to Use
Your Own Subconscious Energies for Health, Prosperity and
Personal Achievement" ebook by Wallace D. Wattles...

=======================================================
Discover how to use your own subconscious energies for
health, prosperity, and personal achievement!
Click Here NOW => http://hop.clickbank.net/?mengzhu/tppc10
=======================================================

FOR 2009:

2009-02-17T07:08:00.000+08:00

HEALTH

Drink plenty of water.
Eat breakfast like a king, lunch like a prince and dinner like a beggar.
Eat more foods that grow on trees and plants and eat less food that is manufactured in plants
Live with the 3 E's -- Energy, Enthusiasm, and Empathy.
Make time to practice meditation, yoga, and prayer.
Play more games.
Read more books than you did in 2008.
Sit in silence for at least 10 minutes each day.
Sleep for 7 hours.
Take a 10-30 minutes walk every day. And while you walk, smile.

PERSONALITY

Don't compare your life to others'. You have no idea what their journey is all about.
Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.
Don't over do. Keep your limits.
Don't take yourself so seriously. No one else does.
Don't waste your precious energy on gossip.
Dream more while you are awake.
Envy is a waste of time. You already have all you need.
Forget issues of the past. Don't remind your partner of his/her mistakes of the past. That will ruin your present happiness.
Life is too short to waste time hating anyone. Don't hate others.
Make peace with your past so it won't spoil the present.
No one is in charge of your happiness except you.
Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.
Smile and laugh more.
You don't have to win every argument. Agree to disagree.

SOCIETY

Call your family often.
Each day give something good to others.
Forgive everyone for everything.
Spend time with people over the age of 70 & under the age of 6.
Try to make at least three people smile each day.
What other people think of you is none of your business.
Your job won't take care of you when you are sick. Your friends will. Stay in touch.

LIFE

Do the right thing!
Get rid of anything that isn't useful, beautiful or joyful.
GOD heals everything.
However good or bad a situation is, it will change.
No matter how you feel, get up, dress up and show up.
The best is yet to come.
When you awake alive in the morning, thank GOD for it.
Your Inner most is always happy. So, be happy.

Adsense Firesale

2009-01-31T08:47:00.003+08:00

Now if you're wondering why should you
click the above link, here are some hints:

If you want to know what JP Schoeffel has
been secretly working on during the last
2 years

If you think every online marketer is only
good at releasing make mo*ney info products

If you want to know what can be achieved
after investing $200,000+ in development

If you want to see JP's biggest package ever

If you want to see the system HE is using
to build and manage his own niche empire
(yes, he spends more time in niche marketing
than selling IM related products)

If you want to know what over-deliver means

If you want to get the one and only niche
marketing platform available to date

If you want to be ahead of the curve

Adsense Firesale will not last long.
Whatever happens, it will be closed in
7 days from now... and right now
they're only accepting 200 foundation
members in!

The sales letter is really long.
Once again, there's no hype in there.

Most of the package are tools, not
training videos sold for a few thousand
dollars.

Just tools to help your build, grow
and manage your virtual real estate.

Those are tools you get with a lifetime
access.

This is a one time purchase though

And the most important thing. If you
need to only remember ONE thing
from this offer, here it is:

JP's personal guarantee that, they won't
stop organizing training webinars,
private workshops (10 to 15 members
max) until EVERY member is making
mo*ney using the Creative Niche Manager
platform.

Whatever it takes they will guide you,
and you WILL succeed!

To Your Success

PS: remember, only 200 foundation members
can secure their spot at this price point...

The Easy Way to Get Whatever You Want

2009-01-27T23:36:00.000+08:00

by Kent Sayre

Author of Unstoppable Confidence

In this article, you’ll discover how to get whatever you want. I’m going to give you specific principles that, when applied, cause near miraculous results in your life. After you become very clear in what you want, you can go after it in an all-out manner.

For whatever you want, it’s going to come from someone or someplace else. Think about that right now. You want more money? It’s going to come from your company, your customers, your clients, or whomever. You want more love? It’s going to come from your parents, your significant other, your kids, etc. You want more appreciation? It’s going to come from your co-workers, your boss, your significant other, your peers, etc. No matter what you want, it’s going to come from someone or someplace else.

Since whatever you want originates elsewhere, first figure out how to give it first. Here’s one of my top rules:

“You go first!”

If you want love, give it first. Friendship? Give it first. Money? Give it first. There are two principles at work that guarantee that you’ll receive whatever you want back. They are the rules of reciprocity and of equality.

The first rule of reciprocity is why two friends will fight over who “gets” to pay the bill after their mutual lunch together. If all people are dialed into the radio station WIIFM (What’s In It For Me?), then it doesn’t make sense that a person would voluntarily want to pay for lunch. The reason the two friends fight over who pays for lunch is because of a deeper principle at work: the one of reciprocity.

Reciprocity at work is simply the rule “Do not take without giving back. Always give back for what you take.” We’ve had this rule ingrained in us since we were little kids.

Now how can you use reciprocity to get whatever you want? Find someone that you want something from. Then genuinely serve them by giving to them freely. Help them out however they need help.

Let’s say I want to increase my business and I want to partner with Alex who is doing a lot more business than me. I could go to Alex and say, “Hey, would you mind selling my product? It will make you some money.” Alex likely has no interest in promoting my product as a result of WIIFM. Consequently, what I can do is first ask myself, “In what way can I help Alex and increase his business?

I take the answer to that question and go do it. I help Alex out and increase his business. He likes it and I’ve made a favorable impression on him. Now, if I were to pop the question of asking him to help me out promoting my products, he’ll be MUCH more likely. Reciprocity is why. He received and now he’s going to give back.

The second rule of why “going first” to get whatever you want works is equality. To me, the universe balances everything out. If someone consistently gives and gives some more, then they’ll receive. If they give out of their hearts without expectation, the universe goes to work to assure they receive equivalent or greater benefit in the future. I invite you to adopt the belief that you’re a giver and that you’re receiving is a result of your practice of giving.

Another way to get whatever you want is to practice “risk-reversal”. In marketing, this is offering a guarantee on the products so that you can overcome a prospect’s innate aversion to “taking a risk” and buying the product. People don’t want to be burned so they are cautious. With a guarantee, the risk is no longer on the buyer. The guarantee permits the customer to send the product back if the product does not meet their needs. The risk has shifted from the customer to the vendor. The vendor takes all the risk. The customer does not have any.

By reversing this risk, more sales are made and the customer and vendor are both satisfied. How can you apply “risk-reversal” in your life to get whatever you want? Let me demonstrate by the example of Napoleon Hill, author of “Think and Grow Rich”.

Napoleon Hill chose his future employer right out of college although his future employer didn’t know that. Napoleon Hill just decided to work where he wanted. Here’s how he got the job. He went to the employer and essentially said, “Let me work for you for two weeks and I’ll pay you for the opportunity. Let what I pay you be drawn against my future earnings. At the end of two weeks, if you don’t like me, I’ll leave. If you like me, you hire me at the rate I’m paying you for the opportunity to show myself.”

Lo and behold, the employer jumped at this idea. Two weeks later, Napoleon Hill had the job he had set out to get. Why did this work? It worked because Napoleon Hill overcame the employer’s reluctance to hire a new, unproven kid right out of college. View it from the employer’s perspective. He had a risk-free offer. He either got a super employee after two weeks or he got a kid to pay him two weeks of wages and two weeks of FREE labor. For him, it was totally “Risk-FREE”. How can you apply “risk-reversal” in your life to get more of what you want?

Here’s in a nutshell what to do to get whatever you want:

1. You Go First
2. Use Reciprocity
3. Reverse the Risk

Kent Sayre is an author of “Unstoppable Confidence”. Celebrity authors Brian Tracy, Robert Allen, and Jim Rohn have endorsed the book and it’s sold over 31,000 copies. It has a lifetime guarantee to explode your confidence. Kent is also the creator of Hypnosis MP3's which you can download immediately to change your life.

Do you Vote?

2008-10-30T11:06:00.002+08:00

==================================

Do You Vote?

- by Tony Mase

© Tony Mase - All Rights Reserved
http://www.constructivescience.com
==================================

A few days ago, I received the following email message (I've
edited out the personal details):

"Subject: Do You Vote?"

"Hi Tony,"

"I apologize ahead of time if this is in any way beyond the
boundaries of our communication..."

"I don't usually get into discussions where people have such
high emotions linked to their opinions on a topic."

"But, I made the mistake last night when provoked about
voting..."

"I believe I might have lost the goodwill of some people
last night due to my refusal to accept the fact that I
'SHOULD' vote."

"I had no facts, just a mere 'feeling' of it not being for
me... so I sounded pretty silly and even said a few
erroneous things concerning voting."

"I sounded like an uneducated idiot because of such
'feeling' based decision making."

"So, because I look up to you and see you as a very wise
person, I just wanted to know if you voted or not. So far,
nothing presented to me through my research has convinced me
that I "should".

Although, as a rule, I stay away from discussions even
remotely related to politics (at least publicly), the
importance and timeliness of this question make it deserving
of an answer.

Here it goes...

One of the many benefits of living in a free society is that
the very same freedom that grants you the right to do
something, grants you the right *not* to do it if you so
choose.

So...

I'm not going to address whether you should or shouldn't
vote, or why you should or shouldn't vote, I'm going to
merely answer the question of whether I vote or not and give
you my reasoning behind it...

Feel free to take from it what you will. :-)

Do I vote?

Sure do!

As a matter of fact, nowadays, Election Day is one of two
days a year (the other being the Fourth of July/Independence
Day) I use to "formally" discuss freedom, where it *really*
comes from, and how it's maintained with my son, who's now
ten years old, correcting the misinformation he's taught in
school.

Anyone who knows me well, knows that personal freedom (the
freedom to do whatever I want to do, whenever I want to do
it, without money being the deciding factor) is way up there
on my list of what's *truly* important to me, it's one of
the things I cherish most.

My ability to enjoy personal freedom and to continue to do
so flourishes best in a society where the freedom to do so
is granted by the people, by way of a higher "authority",
*not* government.

Unfortunately, and sadly I might add, because of the apathy
of the populace as a whole and the desire of some for more
power for themselves, our freedoms here in the United States
have been very slowing eroding over the years (and I'm not
talking here about just the "last eight years", so to speak,
I'm talking about over a period of many, many, *many*
years).

All that stands between further erosion and eventual loss of
these freedoms (and to have any chance whatsoever of their
being restored to what they once were), is people taking the
time to become informed and voting for those who will work
to protect those freedoms, as they were intended by the
"founding fathers", even though sometimes the choice may be
limited to who will do the least amount of damage at any
given time.

I think Ronald Reagan, former President of the United States
and Governor of the State of California, said it best when
he said:

"Freedom is always just one generation away from extinction.
We don't pass it to our children in the bloodstream; we have
to fight for it and protect it, and then hand it to them so
that they shall do the same, or we're going to find
ourselves spending our sunset years telling our children and
our children's children about a time in America, back in the
day, when men and women were free."

I, for one, don't want to spend my "sunset years" telling my
son and my son's children about a time in America, back in
the day, when men and women were free...

Therefore...

On November 4th (Election Day here in the United States)...

With my son standing proudly by my side...

As I have for many years...

I will be voting.

-----

Tony Mase is a serious student of the works of Wallace D.
Wattles and the publisher of the "A Powerful Life: The Lost
Writings of Wallace D. Wattles" ebook by Wallace D.
Wattles...

=============================================
"A Powerful Life: The Lost Writings of Wallace D. Wattles"
"Abundance" by Wallace D. Wattles together with twenty-four
other rare books and articles written by Wallace D. Wattles.
Click Here => http://hop.clickbank.net/?omeng/aplwdw
=============================================

How Many Lives Do You Have?

2008-10-22T21:07:00.003+08:00

- by Tony Mase

© Tony Mase - All Rights Reserved
http://www.constructivescience.com
=========================================
Recently, I received the following email message (I've
edited out the personal details):

"Hi Tony,"

"For a long time now in many articles and other writings, I
see so many personal growth gurus make reference to 'your
many areas of life'."

"But they never explain or define what they mean by 'your
main areas of life'."

"What exactly do they mean by your 'areas of life'?"

"Are they talking about personal development, family life,
career, financial success, or what?"

"What exactly do *YOU* think they're talking about?"

"How do you describe the 'main areas of life' and how many
areas are there?"

"Thank you."

Good questions! :-)

Let's start with...

"What exactly do *YOU* think they're talking about?"

Having "been there, done that", so to speak, I can tell you
*exactly* what they're talking about...

Conventional self-help "guru" (real, wannabe, and otherwise)
"wisdom" has you divvying your life up into anywhere from
six to eight (plus or minus) main "areas" or "categories",
depending on who you want to listen to and/or what's in
vogue this week, for the purpose of "balanced" (whatever
that means) "goal setting" (something, you should know
upfront, I no longer do), creating what many of them refer
to as a "wheel of life".

These "wheel of life" areas or categories, again depending
on who you want to listen to and/or what's in vogue this
week, might include, but are not limited to: business,
career, community, education, ethical, family, financial,
health, home, mental, personal, personal development,
physical, recreation, social, spiritual, etc.

Hmmm...

Sort of makes your head spin just thinking about all these
potential areas or categories, doesn't it? :-)

But wait...

There's more!

I so love saying that. :-)

If that's not enough for you...

This conventional self-help guru "wisdom" has you go on to
set multiple long-range, mid-range, and short-range "goals"
in each and every one of the six to eight areas or
categories (or more!) of your "wheel of life", once again
depending on who you want to listen to and/or what's in
vogue this week, decide on deadlines for their attainment,
define the obstacles or roadblocks that stand between you
and each of these "goals", and then create detailed action
plans to overcome each of these obstacles or roadblocks to
attain your goals.

Now...

As lofty and noble as all of this may sound...

I can tell you from personal experience, as can practically
anyone who's ever attempted to follow such a "system",
there's one minor drawback to this whole process...

Are you ready?

Here it is...

It doesn't work!

Plain and simple. :-)

Why not, you ask?

Simple...

Should you ever manage to complete this complex, laborious,
painstaking, time-consuming process (which, although many
love to talk about, I can assure you very few ever *really*
have), your head is going off in so many different, very
often conflicting, directions and you're so inundated with
all the new "to-dos" you now have to do, along with
everything else you have to do, guess what you usually wind
up doing?

That's right...

More often than not...

Nothing...

Absolutely nothing!

And guess what?

No action equals no results, PERIOD!

If ever there were a surefire formula for *not* getting what
you want in life...

This is it!

Which bring us to the question of...

"How do you describe the 'main areas of life' and how many
areas are there?"

My answer to that question lies in the answer to this one...

How many lives do you have?

The answer to which is simple...

One...

That's right...

ONE!

Therefore...

My advice is to forget about all this "main areas of life",
"many areas of life", and "wheel of life" nonsense that's
been being continuously perpetuated and routinely
regurgitated over and over and over again for years, many,
many, many years, in self-help books, self-help audio
programs, and self-help seminars by most of the so-called
self-help "gurus" and, instead create *one* (the same number
of "lives" you have) crystal clear, definite, overall,
unified "vision" of what you want in your life.

Then...

And only then...

Will you begin making some *real* progress!

-----

Tony Mase is a serious student of the works of Wallace D.
Wattles and the publisher of "The Science of Abundant Life"
ebook by Wallace D. Wattles...

======================================================
"The Science of Abundant Life" by Wallace D. Wattles
"The Science of Getting Rich" by Wallace D. Wattles together
with Wallace D. Wattles' "The Science of Being Well", "The
Science of Being Great", "How to Promote Yourself", "The New
Science of Living and Healing" and "Hell-fire Harrison".
Click Here => http://hop.clickbank.net/?omeng/tsoal

=====================================================

Your Clickbank commissions !?

2008-09-17T18:19:00.002+08:00

There's been a ton of buzz around this system over the past few days and if you haven't heard about it yet, let me just fill you in...

It's called the "Commission Blueprint" - a radical formula created by Tim Godfrey and Steven Clayton that exploits Clickbank and Google in such a devious way that the resulting profits are in the realms of the *insane*.

Of course, you will have heard this kinda' thing a gazillion times before and to be perfectly honest so have I...

But after checking this out, I can give you rock solid confirmation that this is the real deal, especially if you want to replicate a simple system that generates MASSIVE Clickbank commissions.

Let me just throw some figures your way...

- $6,513.04 in one day

- $153,426.72 in 6 weeks

- $526,422.83 in 7 months.

...and the crazy thing is, these numbers were generated by promoting ONE Clickbank product, bidding on just ONE keyword...and without ANY help from JV partners or even an email list!

...not to mention the fact that this simple affiliate campaign took just a few minutes to set up.

How was it done?

Check out the story here:

This is a VERY VERY different ball game...

In fact, if you've ever wondered why most affiliates struggle to produce a red cent in profit whilst others effortlessly rake in unfathomable Clickbank commissions seemingly with their hands tied behind their back, then sit up and take note, because you're about to find out why.

----------------
The Best Thing?
----------------

You need no experience at all because they take you through the entire process on screen AND give you all the tools to actually make it happen.

----------------
The Weird Thing?
----------------

It's frankly bizarre that they're revealing this stuff. If it were me, I would've kept my mouth FIRMLY shut for sure.

These guys do 7 figures a year with Clickbank consistently and generate far bigger numbers than virtually anyone else on the planet.

Point being...if you're a suffering affiliate, you NEED this material. Badly.

----------------
The Bad News...
----------------

There are only very limited spots available and judging by how fast this has spread around the net, they'll go ultra fast... possibly in the next few hours.

It has literally just gone live though so you should be in time...

End result?

Affiliates who FAIL to get hold of this information will be left fighting for scraps and ultimately will be in a world of hurt from now on; that much I can assure you...

You can't afford to be left out of the loop with this one...

Here's the link:

Use Your Mind to Age Faster or Slower

2008-09-08T18:07:00.000+08:00

By Jon Benson
www.FitOver40.com

Probably the most common question I get other than "do you lift weights?" or "how much can you bench" is, "How do you get those abs?" Not many bodybuilders carry 6-packs around the entire year, and I'm no exception. However, during a 'peaking phase', my abs are pretty decent for a guy who was once completely obese!

They're shocked at my first response, and you will be, too: "What are you thinking about when you eat? "After a few seconds of blank stares, I usually get the reply, "I don't know... never really thought about it!" "Exactly," I say. "How do you plan on getting any part of your body to respond, including your abs, without concentration on the challenge?"

However, it's more than just 'concentration' - I'm literally telling my body what I want it to do with the food I'm eating, with the workout I'm doing, and with the cardio I'm performing. I often touch my mid-section to make a stronger connection. I'm constantly visualizing myself with the abs I want. I never waver from that vision. When I do, that's when the fat loss slows down. Sounds too hocus-pocus? Give it a shot and then talk to me!

Let me give you one brief example of the power of thought on the body, (and you can see dozens more in "Fit Over 40" ).

In the book "Blink: The Power of Thinking Without Thinking" by Malcom Gladwell, a fascinating study was noted about the power of mere association with physical performance. A group of individuals were asked to read documents that were riddled with subtle "age" words, like "prune", or "wither". They were then asked to walk to a hallway to take another test. They were not told the reason for the readings, or why the readings changed.

The result? Each time the person read more "age" words, they literally ALTERED the way they walked down the hall. Speed slowed down considerably... even posture changes were noted. They literally began to "act old". If you think this does not work in reverse, think again.

By Jon Benson. You can see dozens of ab routines inside the Fit Over 40 e-book. Every ab routine will work optimally once you change how you perceive the power of your words and your thoughts!

Your PC running slow? Speed it UP!

2008-08-20T14:07:00.007+08:00

Revolutionary product speeds up your computer

There are many reasons why your computer could be running slow...

I'm myself pretty much a hard core computer user, couple of friends have mentioned that if a new computer needs to be tested in just a couple of hours, it should be given to me.

Simply because my normal computer workload is pretty much at maximum at all times. I have Mozilla FireFox open with 20-50 different tabs, couple of Adobe Acrobat windows, couple of word files, Editplus (text editor) with 30 tabs, plus of course Adobe Photoshop, mail programs, MSN and these are just the main things.

So if a PC has a reason to strike for some reason, it should definitely be my computer. However, luckily I haven't really had any big problems except for speed issues due to my hardcore memory and CPU consumption. Most of the 'computer speed up' software out there focuses only on ONE problem area, but with a user like me, its far from enough. Products like "PC Doctor" and "Registry Fixer" are decent products but they leave a lot of your computer's speed potential unused (I know that after I have tested the product PC Secret Formula).

PC Secret Formula system covers all important areas so your computer is literally forced to perform at maximum speed and that's why I would definitely recommend the PC Secret Formula to everyone who feels their computer is running slower than it could be should be.

While I use my laptop around 16 hours a day, I haven't really done much to keep it running fast and safe. I run a firewall and anti-virus software. In the past I have tried some spyware software pieces, registry cleaners and so on, but overall they haven't done much good, some of them have actually screwed up my computer.

And this makes me happy to see a tested product, which teaches me how to do it all safely. At least for me it worked like a treat, really made my PC faster again and at the same time didn't cause it to blow up or anything like that.

Did you know that some anti-virus software might make your computer virus-free but at the same time take up so much of your PC resources that it makes your computer reaaaly slow?

Using PC Secret Formula

PC Secret Formula has been designed so that you run through the entire program step by step. First you get your machine cleaned up and to get familiar with software (btw, all the software names there are freeware, so no extra costs). It takes some time the first go around but it's very clearly explained.

You'll learn exactly what to do and most importantly, what NOT to do. How to use the software and a number of built-in Windows utilities to fix your slow computer. After that there's a regular maintenance plan outlined that will take much less time but will keep your machine in great shape.

Usually people charge a lot for just a registry cleaner, but in this package, its included! With this program you really get your money's worth plus more..

What I didn't like about PC Secret Formula? After going through the system I'd say there are one thing that I don't like about it. Firstly, being a hardcore computer user I know enough about computers as well as different tasks. What I don't know much about is how to speed up my computer.

I know a few things but I haven't really had any time to work on obtaining knowledge in that area. And here I'd like to see special chapters that would be combined of the section of the book. There could be like 3 different combinations, one for hardcore users like me, another for intermediate PC user and finally one for hardcore amateur. Right now the sections of PC Secret Formula all together last just a bit less than an hour's read, but for me it would be enough to have a 10-15 to get straight to the point.

Overall impression

PC Secret Formula has easy-to-follow, professionally produced and well put together ebook, but in addition to that, every single chapter also has notes attached which provide additional notes that will further enhance your PC's performance. So if your computer is running slow and you want to speed it up today, PC Secret Formula is the system you should use.

Start a savings plan.

2008-08-06T10:00:00.003+08:00

Start saving today. Many people will say "my income is not enough for my family, its not even enough for myself". These are the usual outcries, and yes it's true, with the current financial crisis and the high cost of fuel and food items, we can say that we can't save.

But as the saying goes, "If there's a will, there's a way". And there is a way, if we put our mind into it.

Here are some steps:

Set a goal for yourself. This will motivate you to save. For example: A long needed vacation in five years or a new car, or a down payment for a new home. Whatever will motivate you to save. If you are not motivated, your goal is just wishful thinking and your life will just drift or coast along into nothingness.

Create a budget. I know this is mentioned in every article you read about money but believe me without a budget, it will be very hard to save. The nitty gritty of budgeting can be discussed in another article. Below are simple ways of creating a budget plan. Keep in mind though that your budget should be in line with the times, as you know the prices of goods and services have gone up. So make a budget that's not too stringent and must be realistic.

Plan how much money you expect to come in this month. This will be your Income column.
Pay yourself first, allot ten (10) percent for your savings. You can increase this as your income increases. I know you can do it.
Write down the expenses you anticipate every month. Put the necessary things first like recurring bills (e.g. rent, electricity, water, phone, transportation or fuel, etc.). For annual expenses like insurances, get the monthly expense by dividing it by 12 and put it in your monthly expense column.
Put an amount beside each expense item.
If money still is not enough, adjust the amount of items that are variable like food. Minimized eating out, choose less costly dishes and eat more home cooked meals. If you have your own vehicle, read on how to save on fuel and apply it, and if you are commuting, ride more on buses, and less on taxis. I know you can do it.
If there is still money left, congratulate and reward yourself by spending it anyway you want, but if you want to go to the extreme add it onto your savings

With this plan you assure yourself of a savings and still meet necessary expenses.

What if you found out that your income is not enough to meet your needs. Then, find ways to increase your income (More of this in future articles). You can start by selling assets you don't use by having a garage sale in your own or another's yard, posting it on e-bay or approaching friends and forcing them to buy it from you. You can also have a part-time job or start a sideline business you can do after office, on weekends or online (just beware of scams). The extra income will greatly help you.

If your budget still is too much, examine each expense item closely to find out where you can save. Check on suspicious little expenses that you spend on every day or week.

The bottom line is not to bring misery to our lives by being frugal, spendthrift or miser but in taking charge of your own money. By doing this, you'll make money your slave and not the other way around.

Have fun!

For fast, effective, financial relief: You Need A Budget

Quote of the Day

2008-08-05T13:22:00.000+08:00

Lack of money is no obstacle. Lack of an idea is an obstacle.

Ken Hakuta

How to Think Like a Millionaire

2008-08-02T08:00:00.000+08:00

2nd of 2 parts

By T. Harv Eker
Author of Secrets of the Millionaire Mind

4. Rich People Think Big

Poor people think small.

We once had a trainer teaching at one of our seminars who went from a net worth of $250 thousand to over $600 million in only 3 years. When asked his secret he said, "Everything changed the day I began to think big." In my book, SpeedWealth, I discuss the "Law of Income" which states that "you will be paid in direct proportion to the value you deliver according to the market place."
Another way of understanding this is to answer the following question: How many people do you actually serve or affect?

For instance in my business, some trainers enjoy speaking to groups of 20, others are comfortable with 100, others like an audience of 500, still others want 5000 people or more in attendance. Is there is a difference in income between these trainers? You bet there is.

Who are you? How do you want to live your life? How do you want to play the game?

Do you want to play in the big leagues or in little league, in the majors or the minors?

Will you play big or play small? It's your choice.

But hear this. It's not about you. It's about living your mission. It's about living true to your purpose. It's about adding your piece of the puzzle to the world. It's about serving others.

Most of us are so stuck in our egos that everything revolves around "me, me and more me." But again, it's not about you, it's about adding value to other people's lives. It's your choice. One road leads to being broke and miserable, the other leads to money, meaning, and fulfillment.

It's time to stop hiding out and start stepping out. It's time to stop needing and start leading. It's time to start being the star that you are. It's time to share your gifts and value in a BIG way. There could be thousands or even millions of people counting on you. Are you up to the challenge for our society and our children's sake? Let's hope so.

5. Rich People Are Bigger Than Their Problems

Poor people are smaller than their problems.

Getting rich is not a stroll in the park. It's a journey that is full of obstacles, twists, and detours. The simple fact is, success is messy. The road is fraught with pitfalls and that's why most people don't take it. They don't want the hassles, the headaches and the responsibilities. In short, they don't want the problems.

Therein lies one of the biggest differences between rich people and poor people. Rich and successful people are bigger than their problems while poor and unsuccessful people are smaller than their problems.

Poor people will do almost anything to avoid anything that looks like it could be a problem. They back away from challenges. The irony is that in their quest to make sure they don't have problems, they have the biggest problem of all... they're broke and miserable.

The secret to success is not to try to avoid or shrink your problems; it's to grow yourself so you're bigger than any problem.

Imagine a "level 2" character person looking at a "level 5" problem. Would this problem appear to be big or small? The answer is that from a "level 2" perspective, a "level 5" problem would seem BIG.

Now imagine a "level 8" person looking at the same "level 5" problem. From this person's perspective, is this problem big or small? Magically the identical problem is now a SMALL problem.

And for a "level 10" person, it's NO problem at all. It's just an everyday occurrence, like getting dressed or brushing your teeth. Whether you are rich or poor, playing big or playing small, problems do not go away. If you're breathing, you will always have so-called "problems."

What's important to realize is that the size of the problem is never the real issue. What matters is the size of you!
Remember, your wealth can only grow to the extent that you do! The idea is to grow yourself to a place where you can overcome any problems that get in your way of creating wealth and keeping it once you have it.

Rich people do not back away from problems, do not avoid problems and do not complain about problems. Rich people are financial warriors and when a warrior is confronted with a challenge they shout: BRING IT ON!

6. Rich People Focus on Opportunities

Poor people focus on problems.

Rich people see potential growth. Poor people see potential loss.

Rich people focus on the rewards. Poor people focus on the risks.

It's the age-old question, is the glass half empty or half full? We're not merely talking about "positive thinking" here, we're talking about a habitual way of seeing the world. Poor people come from fear. Their minds are constantly scanning for what's wrong or what could go wrong in any situation. Their primary mindset is "What if it doesn't work?" or, more bluntly, "It won't work." Rich people, as we discussed earlier, take responsibility for creating their life and come from the mindset, "It will work because I'll make it work."

In the financial world, as in most other arenas, risk is directly proportionate to reward; generally, the higher the reward, the higher the risk. People with rich mentalities are willing to take that risk.

Rich people expect to succeed. They have confidence in their abilities, they have confidence in their creativity and they believe that should the "doo-doo hit the fan", they can always make their money back or succeed in another way.

On the other hand, poor people expect to fail. They lack confidence in themselves and in their abilities, and should things not work out, they believe it would be catastrophic.

You have to do something, buy something, or start something in order to succeed financially. You have to see opportunities for profit all around you instead of focusing on ways of losing money.

T. Harv Eker is the author of Secrets of the Millionaire Mind and the creator of the world famous "Millionaire Mind Intensive," a program which has changed the lives of over 250,000 people so far.

Click here to grab TWO FREE TICKETS to a Millionaire Mind Seminar.

Latest PTCs I joined

2008-08-01T12:30:00.000+08:00

VIP Bux

HISPANO BUX

Please join one or all of them by clicking on the banner. It will make me your referrer. Thanks!

How to Think Like a Millionaire

2008-07-30T22:30:00.000+08:00

I'm copying and pasting here an article I got from from the Mind Power Newsletter. I think it's worth reading and the principles can't hurt if applied to our own lives.

1st of 2 parts

By T. Harv Eker
Author of Secrets of the Millionaire Mind

Rich people have a way of thinking that is different from poor and middle class people. They think differently about money, wealth, themselves, other people, and life. Let’s examine six crucial differences between how rich people think and how poor or middle class people think.

By doing so, you will have some alternative beliefs in the files of your mind from which to choose. In this way, you can catch yourself thinking as poor people do and quickly switch over to how rich people think.

Remember, beliefs are not right, wrong, true or false, they're just past opinions which can be changed on your command. The fact is, you can CHOOSE to think in ways that will support you instead of ways that don't.

1. Rich People Believe "I Create My Life"

Poor people believe "Life happens to me."

If you want to create wealth, it is imperative that you believe that you are at the steering wheel of your life; that you create every moment of your life, especially your financial life. If you don't believe this, then you must believe you have little control over your life and that financial success has nothing to do with you. That is not a very rich attitude.

Instead of taking responsibility for what's going on in their lives, poor people choose to play the role of victim. Of course, any "victim's" predominant thought process is "poor me." And presto, through the law of intention that's literally what they get; "poor," as in money, me.

Here's some homework I promise will change your life. For the next seven days, I challenge you not to complain at all. Not just out loud, but in your head too. I've given this little challenge to thousands of people and several hundred have personally told me that this exercise completely transformed their lives. I invite you to email me with the results of this experiment. I guarantee you'll be astonished as to how amazing your life will become when you stop focusing on the "crap."

It's time to decide. You can be a victim OR you can be rich, but you can't be both. It's time to take back your power and acknowledge the fact that you create every moment of your life. That you create everything that is in your life and everything that is not in it. That you create your wealth and you create your non-wealth and everything in between.

2. Rich People Play the Money Game to Win

Poor people play the money game not to lose.

Poor people play the money game on defense rather than offense. Let me ask you, if you were to play any sport or any game strictly on defense, what are the chances of you winning that game? Most people agree; slim and none.

Yet, that's exactly how most people play the money game. Their primary concern is survival and security, not wealth and abundance. So, what is your goal? What is your real objective? What is your true intention?

Rich people's big goal is to have massive wealth and abundance. Poor people's big goal is to have "enough to pay the bills..." on time would be a miracle! Again, let me remind you of the power of intention. When your objective is to have enough to pay the bills, that's exactly how much you'll get; just enough to pay the bills and usually not a cent more. You get what you truly intend to get. If you want to get rich, your goal has to be "rich." Not just enough to pay the bills and not just enough to be comfortable. Rich, darn it, rich!

3. Rich People Are Committed to Being Rich

Poor people are uncommitted to being rich.

Most of us have good reasons as to why it would be wonderful to be rich, but what about the other side of the coin? Are there reasons why it might not be so great to be rich or go through the process of trying to get rich?

Each of us has a file on wealth in our mind. This file contains our personal beliefs that include why being wealthy would be great. But for many people, their file also includes information as to why being rich might not be so great. These people have mixed internal messages around money and especially wealth.

One part of them says, "Having more money will make life a lot more fun." But then another part screams, "Yeah, but "I'm going to have to work like a dog! What kind of fun is that?" One part says, "I'll be able to travel the world." then the other part responds, "Yeah, and everyone in the world will want something from me." These mixed messages are one of the biggest reasons that most people never become rich.

In fact, the #1 reason most people don't get what they want is they don't know what they want. Rich people are totally clear they want wealth. They are unwavering in their desire. They are fully committed to creating wealth. They will do "whatever it takes" to have wealth as long as it's moral, legal and ethical. Rich people do not send mixed messages to the universe. Poor people do.

I hate to break the news to you, but getting rich is not a "stroll in the park." It's takes focus, expertise, 100% effort, and "never say die" perseverance. You have to really commit to it, both consciously and subconsciously. You have to believe in your heart you can do it and you deserve it. If you are not fully committed to creating wealth, chances are you won't.

Thought of the Day

2008-07-30T14:40:00.000+08:00

The entrepreneur is essentially a visualizer and actualizer,

He can visualize something, and when he visualizes it,

he sees exactly how to make it happen.

Robert L. Schwartz

Now what?

2008-07-28T16:21:00.000+08:00

Ok, this blog's topic is about making money on the internet. I still don't have that kind of money to brag about. I must admit, I'm a slow learner and also a stubborn one. You see I've been blogging for almost a year now and all I have earned from Google AdSense is just $34.44. I have been browsing more than a hundred sites about making money online and all that stuff. I've read about affiliate marketing, search engine optimization and etc. and have a hard time understanding them.

Maybe, I'm also lazy to implement and try it out.

What do you think?

Hey, I've discovered Pay to Click sites and there are so many of them out there. I wonder if they really can live out to their pay out promises. Here are some that I recently joined. Please sign-up for one or all of them and make me your referrer. Thanks!

Another Blog on Money?!

2008-07-11T17:59:00.000+08:00

Again!? Another blog on money making? Are people really that hungry for money?

I don't know with you but with the continued rise on the price of basic necessities, another blog on how to make money would'nt hurt or would it?

Yes, you read it right, the title is Money for Nothing as I will be compiling/writing articles on how to make money for nothing. So, what does this mean? This means we are going to generate money from the internet. Yeah, I know there is no such thing as money for nothing. You have to invest at least your time or your brain power.