It is not only a relatively safe way to make your money work for you, but
it also appeals to those people who favor a common sense approach to making
money, to wit: person buys land, person sells land, person makes profit.

Just about anybody can understand a formula like that, and often, the real
estate game is that easy. If you have common sense and good instincts, you
can get rich fast in real estate.
Haibin Huang is an author and entrepreneur for Cash Flow For You,a continuing education and business development company showing people how to build business success. Get No Obligation Free Tips And Training at http://www.TheBestWealthSecret.com. Find out if you qualify to be trained in having your own business at 1-800-719-8268 extension 37092.

There are several ways to make money investing in real estate, depending on
how much money you have to put on down payment, and how long you want your
money tied up in your investment. (The average mortgage runs 20 to 30
years, but your money may not have to be sunk into the real estate for such
a long time).

An attractive thing about real estate is the great deal of flexability it
offers. The amount of work you put into improving property — or not
improving — is up to you. You can have a great deal of capital to invest
in your venture, or you may be able to squeak by with a few thousands of
dollar for down payments. You can see your real estate every day, or you
can hire someone to take care of it and never set foot on a piece of sod.
You have a lot of choices and options.

The 30-Day Wonder

One method of capitalizing on real estate might be called the 30-Day
Wonder. The way to make it work is to put a few thousand dollars down on
what a city considers abandoned property. Often, you can find a property
that is not as bad as its appearnce shows. Often, you can find a house or
storefront that just needs a fresh coat of paint, a few repairs, and some
back taxes paid.

Your first step is to open charge accounts with area lumber yards and home
building centers. This way you will be ready to get to work on your
property as soon as you get title to it. Next, secure a loan from a bank
as close to the sale time of the property as possible. The few thousand
dollars you invest covers down payment and paperwork charges. It can also
pay for repair and material charges if you cannot get charge accounts at
home centers set up.

Once you have title and bank clearance, get to work on repairs, if any are
needed. You have 30 days until your first payments to the bank and the
lumber yards come due. It is your job to make the house presentable and
find a buyer within those 30 days. If you succeed, you make enough to pay
off all debts incurred for the home and a generous profit for your
troubles. If you don’t find a buyer within 30 days, you end up with
mortgage, homeowner’s insurance, and charge account payments for at least
one month.

The risk is somewhat high, but the potential rewards are even higher. This
is the kind of investment that beneifts from invesment partners who can
share the burden of the payments and workload, as well as the profits.

Cleaning the inside and outside of a home can go a long way toward making a
house presentable. Painting inside and out can also greatly help the looks
of a home. If you have time, plant some trees or shrubbery for landscaping.
Real estate studies show that many potential home buyers aren’t looking
for the fancy patio or swimming pool in the backyard. Many are simply
looking for a decent, comfortable place to live.

With this in mind, you don’t want to buy a home that is too run down for
your 30-Day Wonder home. Find something which can be made presentable
within a reasonable amount of time. Educate yourself on what to look.
Also, look for interesting features in the house, such as a fireplace,
extra bathroom, or large kitchen with extra counter space. All of the above
are very much in demand in today’s real estate market.

If you have the extra time and money to invest in a home for beyond, 30
days, you could fix a place up and make it a valuable rental property, or
perhaps sell it for a handsome profit.

What to Look Out For in Seized Property
Of course, buying real estate seized for back taxes or other reasons can
also have its disadvantages. When considering a piece of real estate, there
are some items you need to know about. They are:

* Location
Is the property you plan on buying located in a decent neighborhood? If it
is located in a neighborhood with a bad reputation, you may have an
impossible time finding an interested buyer.

Another facet of location that needs looking into is future building plans
around your property. If the city intends to annex and expand commercial
developments around your property in the near future, the value of your
targeted investment may increase four fold.

* Back taxes
Definitely check to see how much the back taxes or other liens add up to on
your targeted property. Sometimes, the taxes can add up to an amount
greater than you can initially handle. Sometimes, they are more than the
entire house is worth, even after remodeling.

* Zoning restrictions
Within a city, each neighborhood is zoned for a particular use. Some are
strictly residential, others are commercial only, and still others are a
combination of both.

Before you buy a piece of real estate, make sure it is located in a zone
which fits your future plans for the property. If the house you buy is to
remain a place for people to live, it will be fine within a residential
zone. However, if you plan to turn a house located in a residential zone
into a store, the city probably won’t allow you to do that.

Investments in Raw Land and Subdivision Lots

Some of the more fascinating — and potentially dangerous — real estate
investments involve raw land and subdivision lots. Each has its potential
for profit, but each also has pitfalls which can quickly sink any chance
for a return on your money.

* Raw Land
Raw land is land which has not been developed in any way. It has huge
potential for profit if it is located directly in the path of city
expansion, or has a gorgeous view someone would sell his soul to own, but
as a piece of property unto itself, it may not have great monetary returns.

Part of the problem with raw land is that it doesn’t even make a good tax
deduction, because you cannot depreciate raw land. On the other hand, if
you are looking for something in need of little or no upkeep, you might
enjoy owning a piece of raw land.

* Subdivision Lots
Subdivision lots can be potentially rotten investments because of all of
the hidden costs. Before you buy anything, find out who pays for
development of the land, including the installation of electricity, water,
sewage, roads, drainage systems and garbage collection.

Inspect the property yourself. Make sure it isn’t located in a low spot
prone to flooding, or on the side of a mountain prone to landslides. Check
state wetlands laws and make sure the property can even be developed at
all.

Some of the items to look for in the contract are hidden costs, clear title
to the land, and a statement which gives you the right to start building on
the land before it is paid for. Then make it your responsibility to record
the contract in your name at the county clerk’s office.

Using a Real Estate Broker to Negotiate Deals
More often than not, you will find yourself making an investment purchase
through a real estate seller or broker. As with any investment deal you may
make, both sides want to come out ahead monetarily. For real estate
investments, it pays to learn some of the common practices sellers
occasionally use to come out ahead in the deal. They are:

* Low Operating Expenses
Sellers commonly make this statement to lure you into thinking it won’t
cost you much to run the property. Before you agree to anything, find out
if the seller has been operating the building himself to cut on operation
costs. If so, are you capable of running the building yourself? You may
find that operating costs will have to increase as you hire an employee to
operate the building.

* Reasonable Property Tax
Reasonable property tax may be another way of saying the building has not
been assessed for years. Obtain a tax card or listing sheet from the local
tax assessment office and check when the last time was the building was
assessed. If more than two years ago, the building might have back taxes
stacked up against it.

Another bad tax trap: make sure the amount of square footage listed in the
seller’s agreement matches the footage listed at the assessor’s office. If
the seller’s footage is more than the assessor’s, you may end up owing lots
of taxes on a building addition which was never previously assessed.

* Energy Efficient
If the structure in question is an old building, the chances are pretty
good its energy efficiency isn’t as great as the seller claims. An easy way
to check for energy efficiency is to go to the local electric company and
find out what electricity actually did cost. The same holds true for
whatever energy source is used for heating.

Make Money Through Discounted Mortgages

One effective way to avoid common real estate headaches while making as
much as 30 percent return on your money is to invest in discounted, or
second mortgages.

The reason this is such a great opportunity for investment is that many
mortgage holders do not like having their money tied up for 20 to 30 years.
Most people like the idea of having ready cash on hand, instead of
receiving monthly payments for what seems like forever.

Your job is to offer the mortgage holder a price which is below the face
value of the mortgage. Usually, you should begin negotiations at 60 percent
of the face value. You can then work up to 75 percent and still make a 25
percent profit on your investment. Sometimes, when the holder of the
mortgage needs cash fast, you can obtain the mortgage for as little as 35
to 40 percent of the face value.

Here’s an advantage: Often, the real estate for which you have the second
mortgage, is sold after 10 or 15 years because the owners died, divorced,
or just could no longer make the payments. While the first mortgage holder
is guaranteed payment for his investment before you are, most of the time
the property is sold for a high enough price to pay everyone off.

Before actually getting involved with a second mortgage, check the credit
history of the person who will be paying the bills. If the person has a
good track record of paying all bills completely and on time, chances are
they will be a good risk.

Being a discounted mortgage buyer is especially good for investors who have
some capital-at least $15,000-to play with. You can find second mortgages
available for as little as $2,000 or as high as $50,000, and the returns
can be significant.

As with any major investment, being successful at buying real estate for
profit hinges as much on knowing the market as it does on luck. Understand
what you want in an investment, and know what the market will bear, and you
can end up with a lucrative, long-term investment in real estate.

Haibin Huang is an author and entrepreneur for Cash Flow For You,a continuing education and business development company showing people how to build business success. Get No Obligation Free Tips And Training at http://www.TheBestWealthSecret.com. Find out if you qualify to be trained in having your own business at 1-800-719-8268 extension 37092.

Your first notion may be to just disregard grant writing as a possibility
for you. Don’t! Writing grants is not nearly the high art or difficult
science that many people believe it to be. The fact is, thousands of
grants are written successfully every year by nonprofessional writers, such
as social workers, day care providers, church members and other people who
need grants to further their goals of helping their community or helping
people.

Just what is grant writing? Well, you know what a grant is. It’s a sum of
money which a government or private foundation grants to an organization or
an individual for a specific purpose. A grant is not a loan which needs to
be repaid. It is a gift, or sorts, given for a worthy cause. As we
mentioned, a grant is very often given for nonprofit community or charity
projects to help people and make a town or neighborhood a better place to
live.

But grants are given for many, many other purposes as well. Individuals,
such as artists, scientists, educators and students often apply for grants.
Private businesses both large and small apply for grants to be used as
venture capital for entrepreneurial projects.

Who gives grants? There are two primary sources of grants – government and
private foundations. The federal government hands outs literally billions
of dollars in grants each year. In addition to government sources of grant
money, there are thousands upon thousands of private organizations, called
foundations, which were established with the specific purpose of giving
away money to worthy causes.

That’s where grant writing comes in. In order to get a grant, you must
make a pitch – in writing – to the government agency or the private
foundation you want money from. That pitch is a written document, which is
called a proposal, or grant. Thus the need for a person to write that
document – a grant writer.

That’s where an opportunity for you comes in. You can hire yourself out as
a professional grant writer. Because hundreds of thousands of people are
organizations are seeking grants all the time, you may find yourself plenty
of business no matter where you live.

How do you write a grant?

As we said, writing a grant is more simple than you might think. The fact
is, many grants are as simple as filling out a lengthy questionnaire which
is provided by the granting institution. Most other grants follow a
certain formula, something like: Introduction, statement of need,
description of project, outline of the budget and conclusion.

It is a good idea to take a couple of grant writing classes, which are
often available through community education programs, or as night courses
at local colleges. Generally, you can learn everything you need to know
about grant writing at one weekend seminar. Some programs, such as that
offered by The Grantsmanship Center of Los Angeles, are week-long,
intensive seminars that prepare you extremely well for this business.

Once you have written your first couple of grants, you will fall into a
groove. Also, many granting institutions provide you with specific
guidelines and points to cover when you make a request. In that case, it’s
simply a matter of covering all the points mentioned. When you give all
the information asked for, you’re done!

To get started in this business, you need to get the word out that you are
a grant writer. In most states, you do not need a license or any special
qualifications to set up shop.

The best way to get started is to approach a local charity organization,
such as a food shelf, a homeless shelter, YMCA or YWCA, community center -
and tell them you want to write a grant for them, and that you will do it
for free. Doing a few grants for free will teach you how to write a
grant, and will give a potential grantee incentive to give you a try.
Start small with easier grants of perhaps $5,000 or less. The smaller the
grant, the easier it will be to write, in general.

Even if you can successfully obtain a $500 grant for someone, you will have
passed an important milestone. You will have proven that you can write a
proposal that brings in money.

Having a few grants under your belt is important because the first thing
potential clients will ask you is about your experience, and what grants
you have obtained successfully. If you can claim even one small success,
your position will be greatly enhanced.

Once you have cut your teeth on some of the smaller grants for local
charitable institutions, you can begin to charge for your service.
Obviously, what you need to start making money are clients. That means you
have to market yourself. There are several ways to do that.

The first is advertising. We recommend you start with a small display ad
or classified ads in your local newspapers. Be persistent and consistent
about running your ads. Don’t expect a one-time ad to bring you any
clients or results. Most ads take 6 to 8 appearances to catch people’s
attention, and encourage people to call you.

It is a very good idea to buy a Yellow Pages ad as well. Some 80 percent
of all people use the Yellow Pages when they look for a specific service.
A large part of your calls will be generated by a Yellow Pages ad.

When people begin to call you, you must be prepared to answer their
questions and put forward a professional image that projects confidence.
That means you need a professional looking business card, letter head and
envelopes that will identify you as a grant writer.

Surprisingly, though, one of the best ways to drum up business as a grant
writer is to do it in person, and by word of mouth. As we said, you should
first approach local charitable institutions and offer your services for
free. Once you do that, however, you will have your foot in the door among
the social services community. In most cities, the local providers of
human services – from churches to food shelves – will most likely keep you
busy for as long as you want to be busy.

How Much Should You Charge?

Some grant writers work on a percentage basis, such as 5 to 10 percent of
the total grant award. For example, if you land a $10,000 grant for
someone, you get 10 percent, or $1,000. Sounds simple, but in general,
working for a percentage is not always a good idea. The reason is obvious.
Most grants, now matter how well written, are turned down. If you fail to
get the grant, you will have nothing to charge a percentage on.

It’s better to work for a flat fee. That way you get paid whether your
grant is successful or not. You should make it clear to your clients that
applying for a grant is never a sure thing – far from it. Even the best,
most sophisticated grant writers have a very small success rate. But you
still need to get paid for you work. Just as a lawyer gets paid whether he
wins or loses, you as a grant writer get paid for you efforts, no matter
what the outcome.

Some grants writer have a flat fee of $1,500 per grant. Obviously, you
cannot charge that much for a grant of less than amount. Just use common
sense. If you are trying to get a small grant of $1,000 or less for
someone, you should charge about $200. That’s okay money because small
grants will generally take just a day or two to complete. Just make sure
you size up the job, the complexity of the grant that will be be required,
and charge accordingly. Remember, some grants can run up to 100 pages in
length! For a grant that big, you should earn big bucks – perhaps $5,000
to $10,000 – at least!

Haibin Huang is an author and entrepreneur for Cash Flow For You,a continuing education and business development company showing people how to build business success. Get No Obligation Free Tips And Training at http://www.TheBestWealthSecret.com. Find out if you qualify to be trained in having your own business at 1-800-719-8268 extension 37092.

Bumper stickers can either be sold to existing businesses as a
method of advertising, or they can feature political, social or
comic sayings that express the driver’s individual feelings and
sold wholesale to retail outlets. As you consider the income
potential of this endeavor, your first decision will be whether you
want to sell advertising stickers to businesses or if you would
rather develop a line of stickers for retail sales.

If you choose to sell bumper stickers as advertising, first
determine if you will line up people who are willing to “wear” the
bumper stickers on their car as advertising showplaces, or if you
will first line up the business owners who want to advertise in
this manner. A good friend of ours started such a business several
years ago, and he found it easier to sell a business owner on the
new service by telling him that 100 to 200 people were all set and
willing to wear his bumper sticker advertisement. An owner who
knows that his message is ready to be flashed across town will be
easier to convince than one who has to visualize the end result
sometime down the road.

We recommend that you first establish your advertising showcase.
Talk to your friends, neighbors and coworkers. Get as many of them
as possible to agree to “wear” a bumper sticker. You might offer
to pay them $10 for 3 months or $5 for 6 weeks. Gather a group of
college students together–members of a fraternity or sorority–and
offer to donate the money to their organization if each member will
place one of your advertisements on his bumper for a semester.
With the inducement of money just to put a bumper sticker on their
cars or trucks, you won’t have too many refusals. One person we
know runs an ad in his weekly shopper’s newspaper advertising the
fact that he pays money just for “wearing” a bumper sticker. Also,
don’t overlook the pulling power of all the bulletin boards in your
area. It shouldn’t be difficult to arrange for several hundred
drivers to place a bumper sticker on their cars for a three-month
time span.

Next, check with a number of printers in your area and determine
the cost of having bumper stickers made to order. Generally, you
should be able to get 1,000 bumper stickers for approximately $200.

Whatever the cost, this initial outlay should be absorbed by your
charge to the advertiser. Suppose you have 100 people lined up to
“wear” one of these bumper stickers on their cars for 6 weeks.
Figure the bumper stickers will cost $100. What do you charge the
advertiser? Always charge based on the circulation of the ad, like
newspapers do–on a “per car” basis. If you charge $1 per car per
week with 200 cars, this comes out to $200 per week, or $1,200
total over 6 weeks from the advertiser. Subtract $100 for getting
the bumper stickers made and $500 as payment for the cars “wearing”
the bumper stickers, and you would end up with a profit picture of
$600 for those 6 weeks. And that’s just from one advertisement!

In the beginning, you should be the one calling on potential
advertisers and doing all the selling. Once you’ve got your
program organized and running smoothly, your next step is a natural
multiplication of your efforts. Run an ad in your local paper for
commission sales people. Brief them on the basics and get them out
on the street selling the concept to advertisers for you. The best
time to launch a business of this kind is during the fair weather
seasons or just in advance of general political elections in your
area. Once established, however, the business can and should
sustain itself year around.

The selling keys to this style of advertising are the same as those
for any “word-of-mouth” advertising. You’ve got people all over
town spreading the word–talking about the advertiser. These are
the people who are saturating the area with the advertiser’s name
and message wherever they go.

This is also an ideal business for constant free publicity write-
ups in your local newspapers. Your unique advertisements will draw
frequent comment from folks commuting to and from their places of
business or school. It’s easy! It’s simple! And it works!

Compared with other more traditional advertising methods, bumper
sticker advertising is very low cost. One of the tricks of the
trade is in using short, snappy, even humorous slogans or messages.

For instance: “Anderson’s Cafe–6th & Main–That’s where I’m
going–How about you?” Another idea is to make the lettering on
the bumper stickers luminous to the headlights of the cars behind.
Neon colors and letters will also attract attention. Most
important, make sure to make your lettering easy to read and the
message short enough to comprehend in one glance.

Potential customers are all around you. Think about it. You can
start at the front of the yellow pages in your phone book and
probably never run out of places ready to be sold on your plan of
bumper sticker advertising. Some of the more traditional places to
sell this kind of advertising include:

Taverns Newspapers Movie Theaters
Pizza Houses Radio & TV Stations Sporting Goods
Flea Markets Insurance Companies Auto Repair Shops
Physical Fitness Clubs Appliance Repair Trade Schools
Political Campaigns Travel Agencies Events Sponsors

The important thing is to always be creative in your selling
efforts. Be sure to show the prospect how his business can grow by
advertising in the manner you propose. Describe how your method is
more positive, more responsive and lower in cost than the more
traditional advertising. For example, if the average car “wearing”
one of your ads is seen by 10 drivers a day, 7 days a week for 6
weeks, that single ad has appealed to 420 people. Multiply that by
200 cars, and now 84,000 have seen the customer’s ad for a low
$1,200–Less than one and a half cents per contact! That is a true
advertising bargain.

Remember, too, the more clever or “catchy” the message on the
bumper sticker, the more it will make people talk and respond. For
ideas along these lines, go back to the yellow pages of your
telephone book and read all those short, crispy one-liners.
Practice writing and rewriting your ad copy before settling on the
best. Make sure you have several possible choices to present to a
new client. Or they may have a slogan or motto they would prefer
to use. While their choice may not be the one you would choose,
remember, the customer is always right!

Remember also that advertising is a form of “brainwashing,” and the
more people see the message, the stronger appeal it will have.
Thus, when they need or are in the market for services or products
offered by the advertiser, they will quickly refer to the
strongest, easiest-to-recall advertising message in their minds.
And that, of course, means that if the prospect sees a specific
advertising message on the bumpers of the cars in front of him day
after day, when he’s ready to buy, that particular advertiser will
be the one he will most likely patronize.

As you experience success with your bumper sticker advertising
business, you can expand to include magnetic signs on the sides of
cars, saddle-back designs on the rear of pickup trucks and even
yard signs in residential neighborhoods. As explained in this
report, line up your “method of exposure,” determine your costs,
and then go after the advertisers. It can be a very easy way to
achieve real wealth and independence. See you at the top!

Haibin Huang is an author and entrepreneur for Cash Flow For You,a continuing education and business development company showing people how to build business success. Get No Obligation Free Tips And Training at http://www.TheBestWealthSecret.com. Find out if you qualify to be trained in having your own business at 1-800-719-8268 extension 37092.

At any time in history, no matter what the current state of the economy,
no matter what the current trends, no matter what the unemployment rate is
or where interest rates lurk, some money-making truths are set in stone,
and remain true across time in all different kinds of economies.

Some of you may have heard of these ideas before, others may be entirely
new to you. But whether you are familiar with these super secrets or not,
it will be well worth your while to put them into effect in your own life.
The magic they will work on your financial life is guaranteed. These
money-making ideas are just waiting for you to bring them to life. We urge
you to put them to work for you – any one of these could change your life!
Let’s get started!

Amazing Money Tip #1:

The great scientist Albert Einstein once said, “It takes a genius to see
the obvious.” What he meant by that is that sometimes the simplest things
in life are the most powerful … but because they are so simple, we tend
to ignore them, and not let them work for us.

One of the simplest but most powerful money making ideas is this: Keep a
daily log of everything you spend. Go to the dime store and buy a little
notebook. Carry it with you wherever you go. Write down every penny -
every single penny – you spend every day. It’s as simple as that.

If you do this, you will find something magic happening in your financial
life in just a few weeks.

There is something incredibly powerful about writing down all your
expenditures. It makes the flow of money through your life more real and
exact. It shows you simply and clearly just where you are spending your
money, on what and why. Once you know that, it becomes much easier to
control your spending.

Many people who have taken up this practice have not only learned
something about themselves which they never knew before, but they are often
astounded.

For example, one woman realized through examining her notebook that she
actually spent nearly $2,000 per year on diet soft drinks, snacks and candy
bars! Since her job as a office clerk brought her a scant $12,000 per
year, she realized that one-sixth of her entire income was being frittered
away on something entirely frivolous. The woman gave up the snacks and
drinks, and found she had enough money to afford health insurance – plus
has $400 left over. If you could choose snacks or health insurance, which
would you choose?

The point is, it was her daily expense log that helped her achieve the
insight and clarity she needed to get control of her finances. That’s what
a simple spending record will do for you – it will give you control over
your spending, and thus your financial life. There may be nothing but a
75-cent notebook and a ballpoint pen between your life of financial
struggle and financial freedom.

Amazing Money Tip #2:

Stop deficit spending! We all know how much trouble Uncle Sam has been
creating spending more money than our country takes in. It’s called
deficit spending. Well, don’t fool yourself. The same rules apply to you.
Using those evil little plastic cards may be the “American Way,” but it’s
a damn poor way.

Today, the average credit card holder is carrying $7,000 in plastic debt!

Spending yourself into debt with a credit card is unbelievably easy, as
many of you already know. The reason is psychological. When you give that
clerk a credit card, it’s just not the same as handing over a stack of
green dollar bills. Would you as readily hand over a fistful of ten dollar
bills as flip a credit card across a counter? Probably not.

Credit cards put you in the hole and keep you there. Even for people with
good incomes, paying your credit card debt down to zero is amazingly
difficult. And make no bones about it, credit card debt will sap your
financial strength just as readily as an open vein will deplete your physical
body of its very life force. Using a credit card by choice can quickly
turn to using it for need. Once you get to that point, you are already in
trouble.

There is no secret to freeing yourself from the credit card game. You
must take out a pair of scissors TODAY, cut your cards in half, and begin
paying them back, slowly but surely. Once you stop adding to the debt,
even small payment will eventually add up. You can get out of debt if you
are patient and disciplined. Once your cards are history, you must adopt a
strict pay-as-you go policy. Instead of buying now and paying later, save
now and buy when you have the full amount.

Once again, this is not rocket science, but stopping credit-oriented
consuming is one of the most powerful financial tools available to anyone
today. Why not pick up this tool and use it?

Amazing Tip #3:
Sell your junk. That’s right, it’s high past time for a major garage
sale. If you don’t have a garage, it’s time to search through your house
or apartment for every single item you don’t need, and could convert
quickly to cash at a flea market or garage sale.

Take an inventory. The truth is, most people are astounded by what they
own – and how much money they have tied up in useless stuff. Why let it
collect dust in your attic while it could collect interest in a savings
account.

You could easily be $500, $1,000 … even $3,000 richer by the end of the
week. As an added bonus, you’d have your place cleaned up, and you will
have a fresh feeling of starting over. A garage sale is an excellent way
to not only clean out your house, but it often gives a psychological boost
that helps people get control of their life and money.

Amazing Tip #4
Ben Franklin said it long ago: “A penny saved is a penny earned.” Yes,
it’s still true, and still one of the most powerful money-making tips in
all history.

Implied within Franklin’s famous statement is the difficulty of saving.
It’s tough to save and easy to spend! You know that! That’s why every penny
saved truly is earned – because it takes so much effort to hold on to that
cash! But if you can do it, it will work magic in your life. Having a
savings account will de-stress your life. Imagine being ahead of your
bills, rather than behind. When you are ahead of your bills, you entire
life comes under your control. You sleep better at night. Your mind is
freer to come up with new ways to make more money and save more. Saving is
contagious – once you let it get started!

Here are some tips to help you save:

* Don’t settle for interest checking. Have a separate savings account
that can’t be as easily accessed as a checking account.
* Keep your savings in another bank – one that’s off your regular route,
or perhaps even in another town. That way you won’t be tempted to dip into
it every time you visit the bank to make a checking deposit.
* Buy short-term savings bonds, which have 6-month to one-year maturity
dates. That way you will get a higher rate, while at the same time keeping
your money close in case of real emergencies.
* If you can, open the account under two names and require that both
signatures be required to make a withdrawal. Two people can debate each
withdrawal and keep each other in line.

Amazing Tip #5
Visualize wealth and abundance everyday. What we are actually
suggesting is that you practice some sort of airy-fairy mysticism that will
make you into a “money magnet”?

Maybe yes, maybe no. Call it what you will – a mind game, mysticism, New
Age ga-ga — but the solid fact is that behind every wealthy man and woman
is a positive attitude toward money. Here’s a quick demonstration:
(1) Person One with a negative money attitude has daily thoughts which go
this way:

“Jeez! $20 bucks is hard to come by! I seem to work so hard and get so
little for it. Money just slips through my fingers. It’s amazing how much
money you have to earn to just get by these days. I’m never going to be
able to afford that new car on my limited salary, but this job is still the
best thing going for me right now. It’s easy for some people to make a lot
of money, but I’m not one of those people …” and on and on.

(2) Person Two with a positive money attitude has daily thoughts which go
this way:

“You know, I bet if I work my butt off I can get a raise next month, and
then I’ll take half of the extra money I make and toss it in a savings
account. There must be a 100 other ways I can bring in some extra cash.
Money is not all that hard to earn if you work hard, watch your spending
and save a little at a time. There’s enough wealth for everybody in this
country, and I can easily get my share, and more …” and on and on.

Okay. Which person do you think will have a better chance of success?
You don’t need to be a Rhodes Scholar to see how Person One is dragging
himself down with his thoughts, and how Person Two is giving himself a
fighting chance.

Look at it this way: It costs nothing one way or the
other to have either negative or positive thoughts. So why not have
positive thoughts?

There has been many studies done on the thought patterns and the frames
of mind of some of the richest most successful people in the world. The
one thing they all had in common was a positive attitude toward money and
their ability to earn it.

So we strongly recommend you begin shaping your thoughts TODAY toward
positive thoughts about money. Then step back and watch the money miracle
happen.

Amazing Tip #6
Do what you love and the money will follow. I think there’s a book by
that title. At any rate, it’s true. One of the primary reasons that many
people live paycheck to paycheck and are broke despite working very hard at
their jobs is the fact that they hate what they do.

If you hate your job, you will not have a positive attitude toward money.
You will associate money with that dreadful sound of the alarm clock every
morning. Once you tie up your source of wealth and income with slavery,
that’s truly what you will become: a slave.

Starting today, you should begin planning your escape. The first thing
you should ask yourself is: “If money were no object, what would I be
doing? What do I like to do most for fun, and is it possible that I could
get paid for it?

Sound ludicrous? It’s not. In fact, if your work is not also your play,
you are fighting against yourself. You will eventually burn out and hate
the world. On the other hand, if you get up every day being exciting,
positive and looking forward to what you are going to be doing – and making
money at it – you will automatically move toward doing more and more of
what you love, and making more and more money at it.

Amazing Tip #7
You must get organized. Being a tidy, efficient person has more influence
on how much money you make more than you can ever imagine. A lot of us are
accustomed to associate a messy desk with genius because we have seen so
many photos of great scientists sitting behind stacks and stacks of junk.
But guess what? Great scientists don’t get paid squat! They are not
worried about making money. Their university or the government takes care
of them.

You, however, want to have a lot of money, so you can’t afford to be a
slob. Think about it. Let’s say you are at your desk trying to get some
work done. You need to find the stapler, but because your office is such a
pit, you spend 15 minutes looking for it. You’ve just spent 15
unproductive minutes. Next you may need to locate a file, and that takes
you 20 minutes of sifting through paper. Another 20 minutes down the tube.
By the end of the day, you may easily burn up two or three hours doing
something as trivial as looking for things. The same goes for any kind of
job you might have. If you are an auto mechanic, how much time do you
spend trying to find a nine-sixteenth wrench, when you could have it at
your fingertips.

It’s disorganized people who are always saying at the end of the day: “I
seem to work so hard but get very little done!” Of course! You spent the
entire day looking for the Scotch tape!
The fact is, time is money. The more time you spend unproductively, the
less time you are earning money. Clean up your office. Organize
your tool shed. Get your bookwork organized. Think of every minute saved
as a buck in your pocket.

Amazing Money Tip #8
Make your own daily top 10 list. Speaking of getting organized, you
should sit down every morning with your cup of coffee and list the top 10
things you would like to get done that day. Then organize them in priority
of importance. Start at item No. 1 and go down the list as fast as you
can.

Make no doubt about it – this is a powerful way to get work done. It will
put hoards of cash in your pocket. The reason is that making money is all
about movement – forward movement. As the famous novelist Ayn Rand told
us, in a capitalist society the most important things a person can do is
move forward every day!

Having a top ten list will ensure that you accomplish something every day.
You may not get through the whole list every day, nor should you
necessarily try. Just do your best. At the end of the day, you should be
able to look at your list with pride, examine the scratched off items and
say: “That’s what I got done today! I did something to better my life and
create wealth!”

Again, this method has been used by a majority of the most wealthy and
successful people in history. Shouldn’t you join the club?

Amazing Money Tip #9

You must set short-term goals and long-term goals. If you don’t know
where you are going, how do you expect to get there? It’s simple but
powerful logic. When you have a target sitting out there somewhere in the
future, a target which is your goal, it can almost act like a magnet that
pulls you toward it.

Setting solid, reachable goals which are attainable, yet a challenge, have
proved time and time again to be one of THE most powerful methods of
achieving wealth and success ever developed. This has even been
demonstrated in psychology laboratories with small furry animals. It has
been demonstrated in corporate training schemes. It has been used
successfully again and again by countless individuals.
Setting both short term goals and long-term goals has the effect of
focusing your mind like a laser beam. It pulls you along toward higher and
better things. It gives solidity to what you are trying to accomplish, and
thus makes that which you want more real and likely to come into your life.

As you have probably heard, it is best to write your short-term and
long-term goals down on paper and then post them somewhere in your
workplace and home. The first thing you should do every morning is look
over your goal list, and then put together your Top 10 to do list which
will move you toward your goal. The last thing you should do every evening
is review your short-term and long-term goals, and tell yourself as you go
to sleep that you are going to do everything in your power to make those
goals a reality in your life.

Amazing Money Tip # 10

Invest your money and make it work at multiplying itself. Saving money in
a savings account is important as we said above, but the 2.3 percent
interest rates most banks give you is not even enough to keep pace with
inflation.

You must do more than save your money — you must invest it. That means
financial vehicles with super-high rates of return, such as mutual funds
and stocks, or the more risky commodity markets. A $5,000 investment in
commodities can return you 10 times that amount — $50,000 –in just a few
weeks, although you could easily lose it as well. The bottom line is, you
should also take a portion of your savings and put them in high interest or
high risk investment plans. That’s the way to really get ahead fast.

Amazing Money Tip #11

Have fun! Yes, this tip easily makes our Top Ten list because it is so
essential to your success. The great writer Ray Bradbury once said in an
interview: “If you are not having fun, you might as well forget it. Do
everything you do with joy and you’ll be successful.”

You need to be having fun to stay positive, and you need to stay positive
to make money. So come on! Get out their: laugh, clap your hands, live!
Have a blast and rake in the cash! The world is waiting for you!                    

Haibin Huang is an author and entrepreneur for Cash Flow For You,a continuing education and business development company showing people how to build business success. Get No Obligation Free Tips And Training at http://www.TheBestWealthSecret.com. Find out if you qualify to be trained in having your own business at 1-800-719-8268 extension 37092.