Kalmia Records Blog

What makes debt management a good way of getting through a financial downturn? In a word: affordability. A well-thought-out debt management plan offers borrowers a chance to bring their expenditure back in line with their income - something that’s particularly important when the cost of living is on the rise.

In August, the official inflation rate (CPI - Consumer Prices Index) reached 4.7%. In other words, the cost of living is going up quite quickly: nowhere near as quickly as it was in 1975, when inflation hit 25%, but a lot faster than a year ago, when it was under 2%. It’s normal for things to get more expensive, but when prices rise faster than salaries, people simply have less money left over (disposable income) once they’ve paid their essential bills. For people already struggling to manage their debt repayments, any decrease in disposable income can have serious consequences.

This is where debt management can help: when someone finds they can’t keep up with their monthly debt payments, they may be able to re-negotiate those payments. Basically, there are two kinds of debt management.

There’s what some people call ‘DIY debt management’. A borrower can call their creditors, explain why they can’t afford to keep on paying as originally agreed, and see what the creditors suggest. They might, for instance, agree to accept lower payments, freeze interest or waive charges.

Many people with financial problems prefer to ask debt management experts to talk to creditors on their behalf. Professional debt management organisations, after all, should have much more experience in this kind of negotiation. They may have long-standing relationships with creditors, which could help them reach an agreement that reflects both the individual’s needs and the creditors’.

There’s no universal agreement on which kind of debt management plan is better. Some people want to handle the negotiations themselves, and see no need to talk to debt management professionals. Others are happy to get them involved, whether it’s because they’re not confident discussing finances with their creditors, or because they want help budgeting and drawing up a repayment plan that creditors are likely to accept.

Either way, it’s important to realise that creditors don’t have to agree to any changes. They’re free to consider legal action if they think that’s the best way of recovering their money. But if the individual obviously can’t keep up with payments as originally agreed, there’s a good chance creditors will decide it makes more sense to amend the repayment plan. This is the point of debt management - the individual can bring their repayments down an affordable level, and creditors get their money back (even if it’s more slowly) without resorting to legal action and/or debt collectors.

HOW TO ATTRACT SUCCESS AND LIVE ABUNDANTLY

I am embarking on a journey and I invite you to come along. This is a personal journey to discover how to live abundantly and attract those things that we really want in life. While each of us may be heading in different directions, the process will be the same. We will first determine the destination, map out the route and enjoy the scenery along the way. Are you interested? Want to come along?

“Success is getting what you want
happiness is wanting what you get.”
Dale Carnegie, 1888-1955, American Author, Traine

DESTINATION

Before we even begin to travel, we have to know where we are going. So, let’s define success and living abundantly. For me, it is having what I need and needing what I have. Just being able to recognize that I have enough is empowering. However, there are times in my life when I over-commit and over-indulge. The goal of my journey is to recognize that I do not need it all or even want it all. I just want enough.

What does success and abundant living mean to you? Let me help you along by asking a few questions. When you reached your destination, what will it look like? What will it feel like? What euphoria are you seeking? What dreams are hidden away because you thought they were impossible to obtain? I ask these questions so that you will focus on the possibilities. If you do not know what it is you want, then you will not know if you have reached your goal. As a colleague once said, “If you don’t know where you are going, any road will do.”

PLANNING

It is time to put on your thinking cap and make a list of your goals. If you are like most people, your list may include losing weight, exercising more, eating healthier, reading more books, or getting organized. However, you may desire mini-vacations, a cruise, more money in the bank, more time with family and friends, a new car, or a bigger home. Pull out some paper and pen and start making your list. Simply writing it down starts the process of making it happen. Success will not be far behind.

Many folks make hasty resolutions on New Year’s Day and then chuckle hoping that the changes will last for a week or so. The inability to follow through on resolutions is due to the lack of a passionate conviction and no map or plan. We state a half-hearted remark such as, “I want to get organized,” and then spend a few hours clearing off the desktop. However, when life gets busy again, we are right back to the same old habits with the same old results - clutter and disorganization. Whatever happened to commitments?

CHALLENGE

During the next few days, list all the things that would make your life abundantly successful. Next to each entry, list how you will feel when you actually achieve that desire. Here is a sample layout:

I want to achieve___ — When I get it, this is how I will feel__

1. Abundant health — I will feel like I am floating when I walk. Daily activities will be effortless. I will stand tall, head erect and vibrantly observe my surroundings.

2. Abundant finances — When I sit down to pay the bills, I will have more money than I need in my accounts and I will feel thankful to those that have provided a valuable service that makes my life easier.

3. Abundant energy — Sleep will rejuvenate me and each morning I will feel refreshed and eager to experience new opportunities.

4. Abundant organization — When order is a part of every facet of my life, my surroundings nurture me physically, mentally and emotionally.

NOW IT IS YOUR TURN

I Want… — And, when I get it I will feel…

___________________________________________________

___________________________________________________

FEEL IT

We marvel at the feats of Olympic athletes winning by a mere inch or a fraction of a second. When asked how they accomplished such excellence, often they respond, “I feel the weight of the medal around my neck and the headiness of standing on the center podium listening to my national anthem.” Feeling the success is powerful stuff! This is the track that changes wishful thinking into actuality. Fe-e-e-e-l it!

When you are feeling your best, filled with joy and gratitude, you attract more joy and everything around you vibrates with pleasure. Yet, on those days when you are off balance, filled with fear or worry, you experience discontent everywhere. It is simply the law of attraction at work. Like attracts like. When you think of something that will make you happy, you feel uplifted, joyous and grateful.

The way you think is the way you feel, and that is the power to attract success and abundance. Circumstances outside yourself cannot and will not control your life once you recognize that it is your feelings that set the stage for abundance. You are not a puppet. You have freedom of choice, the freedom to achieve abundant living and success.

SUCCESSFUL JOURNEY

The key to success starts with desire - desire for an abundant bank account, desire for a slimmer body, desire for a new car, desire to organize the garage, desire to learn a foreign language, desire to master the incoming mail, desire to play the guitar, desire to live simply. Whatever your definition of success may be, you can achieve it with a deep down, passionate must-have feeling.

Ask yourself, “What do I want and why do I want it?” Begin to feel the pleasure your response evokes.

Clutter can entangle you in chaos and confusion and plunge you into depression. Clutter has a negative effect on all aspects of your life - physical, mental and emotional. It traps you into living in the past, fearful of the future. Take the steps to eliminate clutter and rejoice in your peaceful surroundings. With the help of Judith Ann Kirk you will learn to eliminate stressful clutter and find joy in your surroundings.

Direct Answers - Column for the week of September 30, 2002

I am writing for advice on a personal dilemma of the most personal nature. I am male, mid-40s, married 20 years.

After all these years, I still long to make love to my wife two or three times per week, while she seems to prefer two or three times per year, if ever. Best I can tell, she no longer enjoys making love whatsoever and hasn’t for the last 10 years.

While all this seems dismal, the problem I am seeking advice on is more a moral issue. First, let me make sure you know that I have been faithful to my wife since the day I met her. I would never consider sex outside my marriage vows. That goes against every moral fiber of my being.

Additionally, pornographic materials and gentlemen’s clubs go against my beliefs and would only make matters worse. I will say after all these years I do understand why some men succumb to weakness and fall prey to sex outside their marriage.

Please do not tell me to have a meaningful conversation with my wife. I tried that and failed miserably. In February 2000, after years of trying to get through to her, I felt I couldn’t take it anymore. I told her I long for the intimacy only a married couple can share.

She offered no reason, except she is always tired and has too much on her plate. While I acknowledge that she shoulders plenty of responsibility with work and home, she can find the time to walk the dogs or work herself to the bone on something that can wait until tomorrow.

I pleaded with her to get whatever physical, medical, emotional or psychological help she might need to get our marriage back on track. I offered to attend any sessions she felt comfortable with me participating in.

I offered to do anything in our lovemaking that would make it more enjoyable for her. I told her I would not pressure her into making love, but would wait for her to let me know when she was ready.

For four weeks things improved as we made love three times. However, she never sought outside help and began to fall into her old comfortable habits. Over the next 17 months we made love only another six times with most coming at my insistence.

I finally gave up keeping track and gave up on her caring enough to change. Short of divorce, how do I relieve my sexual tension without compromising my beliefs and myself?

Marshall

Marshall, rules make sense in context. One rule most people believe in is “Thou shalt not kill.” However, if you must kill a man to defend your wife and children, most people would say you haven’t violated the rule.

If a robber breaks into your home, collects your valuables and asks if you have anymore money, most people would say it is okay to lie. Why? Because rules only make sense in context. Otherwise the person with the lower standard always gets to win.

From society’s point of view, marriage is the best possible context for sexuality to be expressed. Marriage attaches sex to love and a caring, committed relationship, and two people are present to raise the children.

You don’t believe in divorce, yet you have contemplated adultery. Why? Because something which belongs in your marriage is not there. “Keep thee only unto him” absolutely means don’t cheat, but it does not mean “Don’t let him have it either.”

Your wife will not honestly tell you what is on her mind, and you have suggested every possible solution. As a result, you are estranged from the person you should be most closely bonded to.

It is time to apply your ideas about marriage and divorce to your current specific situation and decide what is right. Rules only make sense in context.

Wayne & Tamara

About The Author

Authors and columnists Wayne and Tamara Mitchell can be reached at www.WayneAndTamara.com.

Send letters to: Direct Answers, PO Box 964, Springfield, MO 65801 or email: DirectAnswers@WayneAndTamara.com.

Hatha Yoga is good but Pranayama is 10 times faster at releasing Energy Blockages which stop the Enlightenment process.

Pranayama, or advanced breathing techniques, is good but Meditation is 10 times faster than even that at releasing Energy Blockages which stop the Enlightenment process.

Meditation is good but Samadhi Samyama is 10 times faster than even that at releasing Energy Blockages which stop the Enlightenment process.

Samadhi is good but Samyama is 10 times faster than even that at releasing Energy Blockages which stop the Enlightenment process.

Yoga, Pranayama, Meditation, Samadhi and Samyama are part of the Eight Limbs of Yoga in the Yoga Sutras of Patanjali and Samyama is talked about from over 5000 years ago in the Third And Fourth Chapter of The Yoga Sutras of Patanjali.

And Samyama IS Energy Enhancement, 1000 times faster on the Path of Enlightenment.

Samyama, a giant step forward from Meditation or Samadhi is what spiritual Masters use to remove the energy blockages or samskaras they absorb from others and in order to help their students.

Although many meditational Masters will teach you with A Synthesis of Ancient and Effective Meditation techniques to remove your own blockages, if the blockage is too tough and too deep for you, the Buddhafield surrounding the Masters of Meditation, can help you.

Advanced and Effective Meditation Techniques are Syntheses of Ancient and successful techniques some over 5000 years old The roots come from many ancient disciplines, and include -

• Alchemical V.I.T.R.I.O.L, the first Formula of Alchemy, in reality a guided meditation to align you with the path of your soul!!

• Yoga

• Meditation

• Kundalini Kriyas

• Taoist Meditation Techniques

• Kundalini Tantra

• Energy Circulation

• Creating the Antahkarana

• Soul Infusion

• Connecting to the Highest Heart

• The Grounding of Negative Energies

• Psychic Purification of the physical, emotional, mental, and spiritual Bodies

Director Satchidanand, is one of the leading teachers of Meditation.

He helps people worldwide reach further than they EVER thought possible, FASTER!!!
http://www.energyenhancement.org

With the pound fetching less than the euro at currency exchanges, you would guess that there would be lots of real ski deals to be had in skiing resorts this season as snowboarders stick at home to fight the crunch. Early facts just publicized point to the fact that skiing resorts are 84 percent booked during the New year and Christmas period. 15 % higher than the self same period last year.

You’ll probably have some chance in Jan which presently shows a 35 percent reservation rate. The only signs of a downturn is across the important school vacation month which has 62 percent bookings, 1 percent lower than a year ago. Booking centres in the ski resorts of Val Thorens, La Chavanette, Les Contamines-Montjoie and Chastreix-Sancy have observed strong demand during December advanced by the good early winter season snows. La Chavanette has better inquiries than than 2007/8, whilst Super Besse had a superb New Year and Christmas.

There is heavy call for larger catered chalets, 7 to 10 beds, as folk group together to save the pennies. Evidence highlights that do it yourself ski breaks are holding up, perhaps pointing to the fact that earnest skiers will not give up their ski holiday. However inquiries from package ski holidays are down.

Most web designers won’t tell you how important web copy is. Although web design plays a crucial role in converting prospects into customers, your web copy plays an even more important role in generating online sales. Graphics may capture your visitors’ attention first, but you need powerful copy to entice them to buy from you.

Here are some tips to make your web copy effective:

* Talk to your audience. Focus on your audience. Talk your audience’s language. Address your audience in your headline or first paragraph. * Make your copy personal by using a friendly, conversational tone. Write like you’re talking to a friend. * Get to the point right away. Make it clear what your web site is about. If they don’t read it, then they weren’t interested in the first place. * Mention the most important information first. They may not read it if you don’t mention it right away. * Emphasize important words, headlines, and sentences by using color, bold, and different text sizes, but do so sparingly. * Mail order advertisers have told us for years, “The more you tell, the more you sell.” They are right. People will read long copy. They just won’t read boring copy. If they are interested, you can’t tell them enough. As long as your copy is interesting, it doesn’t matter how long it is. * Make your copy interesting. One way of doing that is by telling a story. * Appeal to your prospects’ emotions, e.g. feeling of pride, fear, greed, sadness, anger, or love. You can evoke emotion in your reader by providing vivid details so that your prospects see, hear, smell, taste and feel. This creates images in the reader’s mind. Copywriters are trained to write words that will touch emotions and create a desire for a product or service. Then they use features and facts to back up the emotion and justify the purchase. * Use power words. Power words elicit emotions and create visual pictures in your readers’ mind. They have proven to attract attention, motivate prospects to buy, and increase sales. Use them in your web site’s headlines and copy. A few examples are: free, you, new, discover, amazing, breakthrough, latest, proven, guarantee, money, top, secret, act now, save, how to, easy, reveal, insider, and success. * Use action verbs. A call to action such as “call now,” “order now,” and “click here” can dramatically increase your sales. Motivate readers to do what you want them to do with action verbs. Give precise instructions. Tell them exactly what to do. Give them a direct order, but add an incentive or benefit to your order. * Use simple language. * Use short sentences and paragraphs. * Break up your copy into short, easy-to-read sections and use subheadings to highlight benefits. * Back up your claims. * Include “you” more than “I” or “me” or “our.” * Give specifics. For example mention 97.4% vs. 100%.

Here are some important elements to include in your web copy:

* Provide a compelling, benefit-oriented headline. * Include benefits throughout your copy. Use bulleted lists to make your benefits easy to read. * Provide solutions. * Include product information Give tips on how to buy your product, what your products or services can do, to whom your products or services may be useful, how customers might use your products or services, and what results buyers will get from using your products and services. * Give enough information to help your potential customers make an informed decision. * Tips for buying your products or services. * Give them what they want instead of what they need. * Include bonuses. * Include testimonials from satisfied buyers. * Include contact information. * Remove doubts with a money-back guarantee. * Include case studies. * Include statistics. * Include answers to frequently asked questions and potential objections. * Summarize your offer. * Motivate them to buy now by including a limited time offer. * Include a call to action telling them exactly what you want them to do. Give a command. For example, “Click here now to get this course absolutely risk-free.” * Include several compelling order links throughout the copy. Use simple terms for your navigation buttons and links that visitors will recognize such as “home,” “order,” and “contact.” * Include a P.S.

Writing powerful copy is the first and most important step toward web sales.

I went to a restaurant one day with some friends and there was Ruth, another friend who is a lovely Christian lady who worries about her Christianity. This precious soul is a bundle of virtue and she and her good husband have raised four sons who have done well. The entire family is a credit to this once-small community. Ruth, who was with yet another friend (all right, I admit this is still a small-enough community that we run into friends — how fortunate we are!) confided that she wasn’t feeling well. Later on that afternoon, after we had all enjoyed our lunches and gone our ways, Ruth called and shared that her daily prayer, along with the usual requests that we all have, is that she is doing enough for God.

I think this dear gal may live with the fear that she never does enough, not only for God, but for her family, friends and strangers as well. It’s a Christian and female syndrome. Put that together for a peculiarly Christian female syndrome and we have a problem — which just about every Christian gentlewoman I know harbors in her tired heart and mind and body.

The more I thought about Ruth the more I wondered if we ladies haven’t been sold an imperial (read that “repressive”) bit of goods that we gals can have the whole taco and the store with it. After all, how many of the virile macho breed have we heard of late lamenting that they just haven’t quite done enough today. Ladies, when was the last time you heard “Honey, is there anything I can do for you? Put the kids to bed? Do the dishes? The five loads of laundry?” Are you kidding? It’s more like, “I’m tired. I’ve worked hard today, and I’m cashing it in.” And this is before the kids go to bed! As I thought of Ruth and all of us distaff side who staff (read that “unendingly supply”) life, I recalled a verse that helps me when I am so tired I want to climb under the covers and take a 24-hour reprieve from life, of course worrying that I am wasting God’s time and not doing enough for humankind: “She did what she could” (Mark 14:8). I have a habit, whether good or bad I know not, of taking Bible verses out of context and applying them to personal needs and this one met an immediate need one tired day of accepting God’s message that we gals can only do so much.

Years ago I read the following story in a very old book: There was a poor acrobat who turned monk but who was so ignorant and unlearned that he could not even say his “Pater-noster” or “Credo” properly. Greatly disheartened at his failure, he used to go before a picture of Christ hanging on the cross and perform his old acrobatic feats, until he sank to the ground, exhausted. And while he lay there, it is said, Christ Himself came down from the cross and wiped the perspiration from his brow. This beautiful act surely expresses the very heart of the divine understanding and sympathy. God does not expect from us what we cannot render, but even the seeming unspiritual things, the common duties of life, if done in His spirit, are beautiful to Him, for if He accepts the cup of cold water given to others, He will not refuse the smallest thing offered in love to Himself. He will come down to receive it with His divine grace and, in accepting it, will bless the giver.

This is such a magnificent message to us who wonder if we have put in enough time or money or strength today. I mentioned to Ruth that I wondered if we exhibit a lack of trust when we feel we haven’t done enough for God. Perhaps we need to get back to meditating on what God has done for us and not worry about whether we have filled today’s cup; just be enormously grateful for our own full cup of blessings from God who knows our dust and simply do what we can this day, believing wholeheartedly that our dear Father supplies our many lacks.

God realizes more than we do how much emotional and spiritual and physical strength we have or don’t have, and we can trust Him to accept what we can do — and what we can’t do, which is perhaps even more important. When we feel like collapsing, we can hear Jesus saying to us, “Come aside by yourselves to a deserted place and rest a while” (Mark 6:31,32). Jesus said this to His friends, His beloved disciples, after a heavy-duty day, “for there were many coming and going, and they did not even have time to eat.” How many wives and mothers fit in that category! We had five sons and I well remember missing meals and running to and fro, and also wishing I could find a deserted place to rest a bit. The kids always found me, even when I hid in the closet, taking literally that grand verse in Matthew 6:6 to enter into your closet, only I had the ulterior motive of saving my sanity, which is now questionable — just ask the boys!

J.K. Mackenzie advised years ago, “Don’t be unwise enough to think that we are serving God best by constant activity at the cost of headaches and broken rest. I am getting to be of the opinion that we may be doing too much.” This crazy world we must live in has convinced us ladies especially that we can bring home the groceries and cook them, too; that we can be supermoms and superCEOs, too. Impossible! How can one person live two lives at the same time? I’m old enough to have lived in the era when it was taken for granted that men and women were different, they each had their special gifts and when these were combined, they made the whole of life, and together they produced a stable and loving family. How sad that this formula is now considered extinct.

Ladies, God doesn’t expect us to kill ourselves doing so much. Indeed, He bids us to “Come to Me, all you who labor and are heavy laden, and I will give you rest” (Matthew 11:28). If ever there is a verse for our killing days, it is this precious promise. Now if we could just find the time and quiet to read it over and over!

Communication services are essential to the majority of hospitality guests. Many business executives and travelers demand efficient facilities that can keep them in touch with home base. It is imperative for sophisticated hotel billing software to account for telephone charges, Internet usage, equipment fees, surcharges and taxes in real time.

Virtually every major hotel has some form of call tracking or call accounting software. The declining cost of telephone calls has seen a decline in revenue. Gone are the days when hotels could command huge margins for simply picking up the telephone. At one time, it was not uncommon for hotels to mark up telephone calls 80 to 100 percent. Sometimes your telephone charges could account for a larger cost than the room rate.

In the past, a decent hotel call accounting system would generally been left in the back room logging long distance call records from a PBX serial port. The system would apply exorbitant rates and post them to the property management system. Tariff updates from the manufacturer were usually ignored (since the updates usually contained lower billing plans).

Hotel telecom revenues are now declining at a steady rate of 3 to 6 per cent per year. Hotel general managers and comptrollers are forced to become more creative to meet bottom line objectives for communication. The traditional call accounting system cash cow now needs to be fined tuned to adapt to new technologies and market competition. The answer lies in the creative use of new call accounting modules or more appropriately a communication management system (CMS).

The proper utilization of a hotel call accounting system can still derive huge benefits. Guests that get busy signals will find alternate ways to make telephone calls. It is of utmost importance for properties to track the number of busy signals, overflow or blocked calls. This can be accomplished through the use of traffic reports that identify grade of service and peak calling hours. These reports often recommend the proper number of trunks or lines for the property to run smoothly.

Long distance calling has been declining for years. However local and toll free calls have been fairly steady. The use of billing thresholds can help increase revenue. Certainly a guest that talks for thirty minutes on a local call could be charged a small amount for facility usage. Some hotels have turned to adjusting room rates a fixed amount to compensate for lost telecom revenue.

The rise of internet usage has forced many hotels to provide free internet access. This has compounded the problem for the telecom department. Many guests and business travelers have found other convenient means of communication (IP services, instant messaging, email, cellular phones) that are not part of the infrastructure of the hotel property. The advent of flat rate VoIP providers has given the business traveler the ability to bypass toll charges. A modern communication management system should be capable of adding internet usage charges into guest folios.

Proactive hotel properties use call accounting reports to determine calling patterns that show where guests are calling. These statistics help the hotel target marketing and negotiate better tariff plans. Night auditors have always been asked to reconcile daily transactions. However most failed to reconcile the transactions against the actual telephone bill. Examining telephone company records versus the call accounting records helps to ensure that all calls are being recorded, billed and appropriately surcharged.

Many hotel call accounting systems are missing critical information. Often extensions are not identified correctly as guest rooms, conference rooms, VIP or administrative. This can result in inaccurate billing and lost revenue. Properties should ensure that their call accounting system is loaded and configured properly on a monthly basis. Most banner properties have a preset tariff table that is deployed among all properties. System administrators should ensure that all properties follow the same guidelines.

As more communication facilities are offered by the property, the communication management system will be required to account for hotel cell phones, calls made with authorization codes, internet service, hand held devices and other guest amenities.

Discover more about call accounting, internet usage, hotel billing and telephone reporting from Resource Software International Ltd. (RSI).

Both U.S. presidential candidates have been shown to have an affinity for the gaming world. Senator Obama’s been quoted saying he doesn’t mind a friendly hand or two every once and a while, and McCain’s military career basically begs him to learn the trade, that and we have pictures of him playing craps. But has their gaming affinity helped them at all on the campaign trail?

Let’s talk about this in terms of table demeanor. You know that type of poker player who you just can’t get a read on, who keeps that poker face on the whole time. Well, right now, that’s what the people are seeing out of Senator Obama. He’s essentially epitomizing Negreau’s three areas of concentration at the poker table. Fundamentals, discipline, and observation.

On the other hand, McCain is showing all the signs of a very calculated, but very ostentations player. A player who choreographs his emotional outbursts, who goes on tilt noticeably, who makes the risky play.

And you can’t really hate either candidate for their antics, really both styles work, it just depends on the situation.

And here’s the crux of it. Come November, the question to be asked is what table personality do the American people want to be leading the country. The rock or the bully?

I’ll reserve my opinion on the issue for the moment, as this isn’t a place for partisan politics. I’ll say this though, when gambling over the future of nation, do the people want someone who will gamble high stakes and maybe win big, or do we want a president who’ll grind his way to the final table?

Dear Fellow Internet Marketer (or Aspiring Internet Marketer):

I have recently had the good fortune of discovering some breathtakingly simple concepts which have enabled me to overcome most of the fear and trepidation which heretofore prevented me from starting my own Internet Marketing business. These are simple philosophies which, when applied, boost one’s chances of making their online business a smashing success.

I have learned just how crucial it is to think in a way conducive to succeeding with an online business. For example, I realized how I had been selling myself short by underestimating the value of the knowledge and wisdom I have accrued in my lifetime that others would find helpful, beneficial and want to know about. We have all gained valuable experiences over the years and there is definitely a market ‘out there’ for the information we have gathered in our own particular area of expertise (ie. garnished from what we are interested in and passionate about). As humans, we are continually learning and by connecting the dots between what our own experiences have taught us and by studying what others have done in the same field, we can create our own unique version of an information product which no one else has yet thought of. We can then generate profits by targeting the specific audiences online that share our same interests and selling them our information. It is so simple. In the past, I believed that it was a complicated matter to become rich and successful. This is simply untrue - a self-limiting belief which many use as a convenient excuse to explain why they are unsuccessful in life.

Another simple yet powerful concept that has helped me tremendously is to identify and clarify what my goals are and more importantly, WHY I want to achieve them. I am finding this invaluable in alleviating the inertia which used to prevent me from taking the necessary action to keep me on track. Without this sense of clarity, I found I would fast lose my motivation to follow-through on the consistent and persistent steps needed to move me in the direction of my goals. It has been my personal experience that I can only maintain my focus if I am highly motivated and in order to stay motivated, I have to have compelling reasons to achieve my goals. The more specific I can be about what exactly it is I want and the reasons why I want it so badly, the more determined I will be to succeed and the more effort I will be willing to expend.

I hope these two simple ideas have struck a chord in you the way they have in me.

Cherylin Gilad

To discover many more great ways to ensure online business success, check out http://InternetProfitMentor.com for their extensive free course entailing more than 11 hours of video instruction.