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Go on write it down. Those of you who have worked with me know the answer….go look in the mirror. The answer lies there. That’s the bad news. Here’s the good news. Go look in the mirror the answer lies there. You are both the problem and the solution… good thing ‘cause you can’t change anybody but you. In the next few paragraphs I’m going to give you my thoughts on why I think most people have difficulty getting their businesses off the ground. Or to be more to the point…why it’s so tough to find and start recruits. How many times have you heard "Financial Freedom" when you ask someone what they want out of their home business? What does that mean really? I know the "stock" answer, "So money isn’t a consideration any more." But is that really what we’re looking for? I think people are looking for a freedom much deeper than money. It’s a freedom to live in tune with who they really are. I’m going to paraphrase something Timothy Gallwey said in his book "The Inner Game Of Work." We don’t really want to be free of our responsibilities but rather we want to be who we really are as we perform those responsibilities. It’s Gallwey’s premise that we get into trouble when we start work or live our lives in line with external pressures. Suddenly we’re dancing to someone else’s dance rather than our own. We find ourselves working for rewards that someone else thinks are important, not what we really think is important. Does this sound like a job? Playing politics and often being something we’re really not. We are just not being completely authentic. Personally, I think this is a huge reason people come into a network marketing business. They are tired of being who their job requires them to be. Please notice that I said who their job requires them to be not what they have to do. It isn’t about the work. Unfortunately I think this is a big reason people don’t stay in their networking business. They quit and go away because in our zeal to create duplication we push conformity rather than creativity and fun. Duplication has come to mean "be just like me, or just like my upline." Like their job, your new recruit doesn’t get to be who they are in their new business either. I don’t think we need to do that to create duplication. I think if we want real duplication in our businesses we need people to tap into (maybe for the first time) who they really are as well as what they really want from their business. Think about this, if you’re getting to be exactly who you are, and your making money too are you going to keep doing it? Then it’s up to us to pass along the tools we have in our business tool kits to help them build that business within their personal integrity. It’s the tools that need to be duplicated. We’re not cloning people. As sponsors we’re here to facilitate people developing. Now before any of you start to bounce off the walls, I am not advocating chaos, or encouraging people to be hobbyist rather than business builders or that you should be a babysitter or a therapist. I think our job as sponsors is not to tell people how to run their businesses but rather we give them the tools and help them develop the skills they need to run their businesses. And therein lies the usa merchandise american or and and card rub. Often we don’t have the skills ourselves. Let’s talk about how to pass along business tools. In a simple, organized systematic non cluttered way. Let me give you an example. Do you think the new person in your business would like to have a good year? How would you go about showing them how to do that? I encourage you before you read on to take a pen and write down how you would have them think about this? Go on do that now. It may be just that ah ha moment you’ve been waiting for. If you’ve written a couple of things ask yourself if they fall into what I consider the basic building block of business. That is, until we can break anything down to a step-by-step process we really don’t have a handle on it. As usual I’m not just going to give you the answer to this but rather ask you to walk through this process with me. This is what I’d write to the question I asked you above, "If the goal is to have a good year what do we need first?" A good six months…. What does it take to have a good six months? A good quarter…. And to put a good quarter under your belt you need a good month. What does a good month take? Simple a good week. And to have that bang up week you simply need a good day. What does it take usa american or and merchandise and card to fall into bed at night and be happy with the day you’ve had…you need a few really good hours. Coaching tip: I could certainly have just leapt to the "have a good hour" but would it have had as much an impression? Typically by taking someone through a step-by-step process until you reach the bottom line usa or american and merchandise and card you can enroll them in what you’re doing. When we are enrolled it becomes our idea? Do your tools help your organization build their business in a systematic step-by-step method? When you sponsor someone do you give them really good business tools that put them into money making activity in the first few hours at the helm of their business? Here usa or american and merchandise and card are some basic sponsor responsibilities that I think are necessary to launch a new recruit. - Something that brings home to them that they are the CEO of their own business – it’s not a game or a hobby - They need to know when they are going to work and not work. Real hours just like any business – (their choice not yours). - They need to know exactly what activity it takes to make money versus admin activity. - They need to know when they are doing the money making activity - They need to know when they are doing the admin activity - They need a business vision – where will they be in six months, a year and five years down the road - They need a personal vision – what can they learn about themselves and how to make every activity they do in their business fun, fun, fun….. And here’s the deal. Take a coaching approach to make this happen. You don’t just hand someone a "getting started booklet" and expect that they will take it home and make it work. Take a page out of McDonald’s and put your new recruit through your networking university. Think back to when you were in school. You were not handed a book and tested on it at the end of the semester. You were taught, coached and interacted with the material. Why? ‘Cause it is how we learn. You don’t just give someone instructions and tell them what to do. I’m in your face here a bit because I see it all day. People telling others what to do and then wondering why people don’t do it! It’s simple: Since you were two years old you didn’t like being told what to do (what’s a two year old’s favorite word?) and most likely you still don’t….neither does anyone else. And particularly by someone who most likely isn’t doing all the things they are advocating! Sorry about this, but it’s really important to be honest with ourselves hereand and american or usa merchandise card . So if the shoe fits wear it. If not enjoy your business…it should be flourishing. But if it’s not, that’s why we’ve designed the Get Your Year in Gear program. If you want a step by step process you can make your own that will: - Allow you to be who you want to be in your business all the time - Coach you so you can coach your team to become all they can be Then get your rear into the Get Your Year In Gear program. It is the place to start. It is not all the answers but it will bring up questions you’ve never thought of and help you to design your own business in such a way to begin to live your life right now on your terms. Then and only then can you attract others who want to do the same and coach them to do so. I have said before, you’ll be safe but you’re bs won’t be. Are you ready to make 2006 your best year yet? I’m on board for it, are you? © 2006 Jillian Middleton All rights reserved.

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OK listen up folks, do you have a mountain of debt on your credit cards that would probably put a third world developing nation to shame?

Suddenly does it seem to you and you alone that there is nothing in the classifieds but advertisements from Companies all promising competitive rates on Credit Debt Consolidation?

Are becoming obsessed with hiding the credit card statements before your wife gets to the post in the morning?

You do?

Well don’t be too despondent because it would appear that you are not alone in all of this. Doesn’t this make you feel better? You feel like going out and treating yourself to something new right away!

See, that’s the problem. It appears that the average person in the US is about $8,000 to $10,000 in unsecured debt at any one time. Now for a certain part of the population that may or may not be a problem but for the average household it is and the knock on effects of this could be devastating on the economy.

One of the reasons for this mountain of debt, it is argued is the difference between the average wage and the average cost of living, Basic balance of payments issue in Macro economic terms and the gap between monthly income and monthly expenditure in micro economic terms. In summary, “living la dolce vita!”

Sound familiar? Yes full marks to the guys at the back, we are living beyond our means and sooner or later it is going to catch up with us all big time!

If we take a look at the basic issue at stake here we have a mountain of debt that the average person only services the bare minimum of. So let’s look at the basic mathematics. Person A has an income of $40,000 per annum and credit card debt of $10,000 that they clear at the rate of the bare minimum (usually 5% per month) so this roughly equates to $500 per month out of a disposable income of roughly $2,500 per month.

This means that twenty percent of their income goes straight out of the door to service existing debt before they have had a chance to cover the ongoing expenses for the month. Throw into the mix the unexpected hospital visit, pet care expenditure or domestic crisis or automobile problem and before you know it the problems merely increase

You don’t have to be a fiduciary genius to spot the potential flaw in this whole exercise. As a major national charity for the Homeless once said “we are all a mere 3 missed pay checks from being without a roof over our heads”. OK this may be slightly on the over dramatic side but by studying the information above it is quite easy to see how very easily this could happen.

Financial habits like these are all well and good in days of low interest rate but when the economy starts to cool and the markets react badly then we have to change our ways or go under.

If you are going to do something positive about this then make sure that whatever decision you reach, whatever route you plan to take is the right one for you and one that you see yourself accomplishing in its entirety.

Don’t let this force you into some rash and foolish credit debt consolidation exercise that might cost you more in the long term.

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Thinking of buying a new car? Unless you’re paying cash, presumably you’re looking for the best way to finance the car of your choice.

For people who choose to buy a new car every two or three years, personal contract purchase, or PCP, is gaining in popularity. Your car dealer or the manufacturer effectively lends you the balance of the car, after you’ve paid a deposit of 20 to 25 per cent. A fixed trade in price is promised at the end of the deal. An annual mileage limit will be agreed and as long as this isn’t exceeded you will be offered a choice of options when the contract ends.

The choices will be
1. To return the car and change to a new one.
2. To trade it in at its second hand value – this may be more than the guaranteed figure, which makes it well worth doing.
3. To keep the car, making a final payment of the outstanding balance.

Many people simply replace their car every couple of years, using the first option and keeping to the same dealer or manufacturer.

An alternative to personal contract purchasing is a simple car lease plan. An initial deposit is paid, which works out at three times the monthly lease payment. The lease payment is then made for 24 or 36 months, depending on the contract. At the end of the time you simply return the car and walk away. There are no obligations and you’re free to go ahead and choose your next vehicle without the complications of selling a second hand one.

To make a comparison on costs using the two methods shown above, if you take a vehicle costing £14,995, bought through a personal contract purchase plan from a dealer, on a 3 year plan, you would pay a deposit of £1,548. There would then be a repayment period of 36 months @ £309 per month. The deal would guarantee you £3,861 towards a new car if you were staying with the same dealership. Alternatively you could purchase the car outright for this sum and sell or use it in part exchange it towards your new car.

If you take the same vehicle on the second (lease) plan, you would make an initial payment of £969 and the monthly payment would be £323.

The other choices to consider for vehicle finance are personal loans or hire purchase. With hire purchase the loan is secured on the vehicle. Because of this, if you get behind on your repayments, the vehicle can be repossessed by the lender. Obviously, having completed the payments on the car, at the end of the period, the vehicle is yours, without any ties, limitations on mileage etc.,

Offers of low or even no-cost credit can be found. Unfortunately they’re often unavailable on the model of your choice. In common with many other manufacturers, Vauxhall have some excellent offers with several models currently being offered at 0% interest over four years. For models not in the 0% range, for example the Astra Life 1.6 16v, the offer is considerably higher and in fact doubles the interest rate which most people pay via GMAC, the company that offers loans for customers buying directly from Vauxhall.

Of course, you don’t have to go along with the manufacturers deals and can work out your own comparisons by comparing the cost of personal loans. Log on to the internet and find a broker to check out the various loans available.

In general most car manufacturers will be able to offer some good deals when it comes to finance and it’s worth finding out what’s on offer for the car of you choice. It’s always a good idea to check what the same vehicle would cost using a personal loan and weighing up the final price paid is always worthwhile.

So, whatever your choice, personal loan, hire purchase, personal contract purchase or a simple lease plan, there are plenty of ways to finance your new car. Do your sums right and there are big savings to be made.

Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews

Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.