Why Buy Mortgage Leads?

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Mortgage lenders and mortgage brokers are responsible for getting their clients the best rates for the desired mortgage. Brokers in particular will deal with numerous potential lenders on your behalf in an effort to get you the best product at the best price. This is their service and they strive to excel.

Why Buy Mortgage Leads?

At one point or another, mortgage lenders and mortgage brokers both contemplate a similar question. "Should I buy mortgage leads?" There is a finite number of people seeking a new mortgage or debt consolidation at any given time and without a mortgage lead there can be no mortgage client. Buying mortgage leads is an option, but is it a good option?

Mortgage lenders and brokers can generate their own leads, but this requires a massive marketing effort and can be quite risky. Telemarketing and Internet marketing are time consuming endeavors with minute success rates. One a web site is developed, designed, and online, it was be easily found by those looking for a mortgage. With so many others competing for the same search engine keywords, self-obtained mortgage leads become a less likely proposition. A Google search for new mortgage displays over 75,600,000 results. You're better off playing the lottery.

One should buy mortgage leads for several reasons. For one, it saves a great deal of time. Someone else has paid the price and invested the time to market their web site. They've done the dirty work, now there's merely a deal to close. Secondly, you know what you're getting. If you're going to buy mortgage leads, buy mortgage leads from a trustworthy organization that guarantees their leads have been validated. Finally, buying mortgage leads often makes good economic sense. The return on investment is high with a predictable closing rate. You know exactly what you're getting and how much you're paying for it.

To answer this frequently asked question, why buy mortgage leads? Because that's what smart mortgage lenders and brokers do.

Pick 3 Lottery Tips - Do Not Base Your Winnings on Birthdates

Lottery Number Generator :

Ask anyone who have been playing lottery for the first time if how he or she is basing his or her numbers and chances are you will hear that they have based their numbers from their birthdates or the birthdates of their partners or children. You cannot blame these people if they carry a sentimental feeling even if they are playing the lottery. This is completely normal. However, if you ask these people who have used "sentimental" numbers if they have won already, chances are a lot of them would say that they haven't. This is also the case with people who keep on sticking to a number combination for such a long time-they do not win. The truth is nowadays, you shouldn't purely base your lottery winnings to luck. There are certain ways in which you can improve your winnings and you do not have to stick to your numbers to do that. There are a lot of Pick 3 lottery tips that you should remember.

Pick 3 Lottery Tips - Do Not Base Your Winnings on Birthdates

There are many techniques, methods and ways now that you can play Pick 3 lottery without pure guessing or prediction. You can opt to choose box bets. They say that box bets is the most effective way you can follow for you to win. In box bets, all you have to do is choose three numbers and randomly stick to them and scramble. For example, you picked 7-8-9. In box bets, you will stick to those digits and rearrange them to many possible arrangements as you can such as 9-8-7, 8-7-9 and so on. Boxing means in "any order" and this is exactly the concept of box bets. When you follow this path, you will have more chances of winning.

Another Pick 3 lottery tips that you can follow will be the unmatched digits. Based on studies regarding Pick 3 lottery, unmatched numbers are mostly the combination that always takes home the price. For instance, 3-5-4, 6-2-1, 5-4-6, 3-4-2, etc. There are many incidents that unmatched numbers win. Unlike when you use double digits or triple digits such as 7-7-3, 2-2-2, 5-6-6, 6-6-6 and so on. When you think about it, there are only 120 unmatched probabilities that you can make from numbers 1-9. This narrows down your options from maybe half or even more!

Other people rely on free Pick 3 number generators to win. By using this system, they are able to give out combinations that they say have bigger chances of winning. Number generators base the number combinations they give out through mathematical equations, formulas and algorithms. There are actually a lot of followers for this kind of Pick 3 trick. If you are interested in using this trick, make sure that you first have a trial of the system before you purchase them. In this way, you will be able to gauge if it is the right one for you or if the system will really increase your chances of winning.

Probably the most important out of all Pick 3 lottery tips is that you shouldn't solely base your numbers on luck or chance because there are many ways to win now than relying on birthdates.

How Lottery Number Software Works

Lottery Number Generator :

There are many people who get hooked to playing lotto these days that is why most of them are also in search of the best lottery number software. For most players, there biggest edge depends on the techniques and strategies that are provided with the software they are using.

How Lottery Number Software Works

There are plenty of software that are available on the internet these days which most lotto enthusiasts utilize. Other software picks you numbers, but the best that you can find around is lottery software that will do the research for you and assists you to instantly pick and this is due to the smart pick feature it has. The "smart pick" actually is the picking of lotto number combinations from the numbers that has bigger potentials of hitting more often in future draws and this include overdue numbers, hot numbers and cold numbers.

Experts from all around the world figured out the players are given better chances of winning if they choose the mentioned numbers and bring home bigger prices compared to just choosing any type of numbers. It makes a lot of sense to integrate the frequent numbers, less frequent numbers and the overdue numbers with your lotto number combinations.

The lottery number software instantly produces the lottery analysis for all lottery games that you want to play. It works in different games in the lottery ranging from the pick 3 to pick 6 and many others. The software simply works with all lotto systems there are because almost all of them demands looking for frequent analysis. Whatever lotto system you are using, it will give you the best numbers to bet on straight away. You can also participate with worldwide lottery games using the software which gives you better chances of generating winnings as you play. This software enables you to save more of your time and energy giving more excitement and anticipation in winning the lotto games.

All of the advantages that are given are yours for the taking in one click of a button. Although it does not guarantee 100% winnings, but you have better edge compared to other bettors in the game. From them on, you can start gathering your winnings and if you get lucky enough, you might even bring home the biggest jackpot. Most important of all, it does not give a hard time for users to understand the game as it realistically works in helping you win more in the lotto games.

Take advantage of the offerings of lottery number software to minimize your risks in betting and increase your chances of bringing home the biggest winnings in lottery.

6 Tips For Playing the Euromillions

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1. Purchase your Tickets Early - To ensure you get a ticket, make sure you purchase yours in advance (at least a few days prior to the drawing). In the hours leading up to the weekly drawing, many people try to purchase tickets before the cut-off time and due to large demand, some are not able to tickets in time.

6 Tips For Playing the Euromillions

2. Buy Online - In areas where it is legal to do so, consider purchasing your Euromillions tickets online. This way you can get them without having to leave the house and many online outlets will automatically generate random numbers for you.

3. Choose Random Numbers - Statistics indicate that your odds of winning are higher if you choose completely random numbers that are not likely to be chosen by anyone else. Steer clear of choosing dates or numbers that have significance to people other than yourself (like December 25th). Similarly, avoid any number combinations that have been drawn recently; the chances of the combo being drawn again are quite low.

4. Split Between Hot and Cold Numbers - "Hot" numbers refer to those that have been drawn within a recent time period (for instance, within the past 12 months) while "cold" numbers refer to numbers that have not been drawn in a very long time. While you'll find a stark difference regarding hot and cold numbers among lottery players, most lottery experts say the best chance of winning lies somewhere between hot and cold numbers so try picking half hot numbers and half cold.

5. Try Joining a Pool - An easy way to increase your chances of winning is to simply join a pool. In a lottery pool, players combine their money to purchase multiple tickets and any winnings from any one of those tickets are evenly split among all the players.

6. Play the Probabilities - If you select a number combination that occurs only 5 percent of the time, then you can expect to lose the Euromillions 95 percent of the time that you play. So play number combinations that have the highest probability of being drawn.

Thinking of Buying a Second-hand Piano Privately?

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Hundreds of second-hand pianos change hands privately every year. Only a mall number are in good playing condition. We know for buying second-hand pianos and preparing them for resale is an important part of our business. Of the many pianos offered to us we actually buy fewer than one in ten of them - and almost every one needs work on it to a greater or lesser extent

Thinking of Buying a Second-hand Piano Privately?

When looking for a piano it is important to remember two things.

Pianos are not all of the same quality.

Before 1914, in the boom years of piano sales, huge numbers were made in small workshops to satisfy the demand for cheap pianos. They were of poor quality when new and hundreds are still around, several generations later, in dreadful condition.

There were some excellent pianos made in the 1920's and 1930's. They are now 60,70,80, years old - nearly old age in the lifespan of a piano. If they have been well maintained during their life they can still be good instruments, but if they have been neglected or abused they will be tired, second rate pianos.

Some will be "the family heirloom" passed down through several generations, much loved but often unplayed and neglected. Such pianos may have sentimental value to their owners but their true worth, as a playing piano, may be nil.

Pianos do not last forever
A piano is made up of around 5000 parts many of which move. Although enormously strong and heavy it is very complicated and sensitive to damp, dryness, changes in temperature, wear and tear and neglect.

A good piano, well maintained, has much the same useful lifespan as a human - few are in really good shape after 80 years! Remember that the piano you buy will probably be the only one you ever buy so look for the youngest and best quality instrument you can find.

So What Should I Look For In A Second-hand Piano?
Very few people have any technical knowledge about pianos. The list below will give you an idea of some of the problems often found in second-hand pianos.

Sticking keys or hammers
This is usually the result of being in a damp atmosphere. The felt absorbs moisture, swells and movement is restricted. If only one or two notes are sticking it may be possible to ease them. If lots are sticking the action (i.e. the moving parts inside the piano) probably needs to be dismantled and rebuilt. Expensive!

Noisy keys or noise from the action
A sign of wear. A tuner may be able to make adjustments to lessen the unwanted noises but if it is badly worn a rebuild will be required.

Hard Tone
Probably the result of worn and compressed hammer felts. If they are not too badly worn they may be able to be reshaped. Really heavily worn hammers cannot be treated in this way and new hammerheads need to be fitted.

Dull, dead tone
This may be partially due to worn hammers but is more likely to indicate that the piano strings have lost their original suppleness and need replacing. This is a major undertaking and only high quality pianos can justify the cost.

The dull tone may also be the result of splits having developed in the wooden soundboard. These can be repaired but, again, it is only worth doing this to really good pianos.

Out of tune
Every piano goes out of tune as the tension in the strings changes slightly. If the entire piano is out of tune it is probably because it has not been tuned for some time. Depending upon how far it has fallen below pitch one or more tunings should put this right.

If, However, only one section of a few notes is really very badly out of tune and is clearly very much worse than the rest of the piano, this signals really problems. IT si likely that the tuning plank has lost its ability to hold the tuning pins tightly enough to keep tension on the strings. It is common on pianos made before the 1960's. They were not built to withstand the dry atmospheres created by modern central heating systems. The timber loses moisture and shrinks, the pins go slack and the piano is beyond economical repair and useless for playing purposes. Avoid at all costs.

Woodworm
More common in older pianos. They attack the timber - look for small holes and tiny heaps of wood dust. To check, the piano needs to be dismantled as far as practicable and closely examined with a torch. Look behind it and under the keyboard. Avoid anything that has or has had woodworm.

Moths and mice
Damage the felt hammers, dampers and key washers. Minor damage is not important but extensive damage is costly to put right.

Cracked frames
The strings are carried on a cast iron frame. Examine the entire frame carefully with a torch. Although cracked frames are not common, should the frame be cracked the piano is a write off.

Uneven piano keys
Kneel down until your eyes are level with the piano keys. They should be level along the whole length. If they are not they will need to be adjusted by a skilled piano tuner to make the piano easier to play.

If the keys form an arc with either a rise or a depression in the centre it is probable that the wooden frame on which the keys sit has warped. Avoid.

Pedals not working
The pedals are connected to the action by levers. If the levers are dislodged the "loud" or "soft" pedals will not work. Relatively simple to put right but best done by a piano tuner.

Casework
The condition of the casework has no bearing on whether the piano plays properly or not. The heart of the piano is inside - the casework is largely decorative. A clean attractive case can conceal a total wreck inside. Never buy a second hand piano just because the case work looks good or will match your room.

If you do find a piano which plays well but has casework in poor condition remember that although pianos can be stripped and repolished the cost is such that only pianos of really good quality can ever justify the expense.

Avoid
* Pianos with fretwork fronts - very old
* Pianos with candlesticks or candlestick marks (look carefully). They are likely to be at least 90 years old.
* Pianos with flowers and garlands inlaid. Pretty but again pre-1914.
* Pianos with heavily carved legs
* Pianos with wooden pedals with brass button ends
* Pianos advertised as "suit beginner". They are almost without exception dreadful pianos which the owner wants to get rid of and are usually totally unsuitable for any pianist.
* Pianos with wooden frames.
* Pianos stored in garages or outhouses. We've yet to come across one in decent condition after being stored in an outhouse.
* Pianos which have not been tuned or played for years.

Buy if possible
Overstrung pianos i.e. the bass and treble strings cross over each other
Pianos which were new from the 1950's on. They are best in central heating
Pianos which have been regularly tuned and maintained. Ask who the piano tuner is and check with him on the condition of the piano - he will remember it.

Extra costs
Remember that in addition to the cost of the piano you will have the expense of

Advertising
* Following up any pianos offered (mileage, time and frustration!)
* Transport, especially if stairs are involved
* Tuning once in your home
* Essential repairs recommended by the tuner

Together this generally adds up to around £200 and my be very much more if your piano needs a lot of work.

Expert Advice
The person selling the piano may genuinely be unaware of the faults in their piano (and some may well be aware but say nothing!) Before you buy privately please, please ask a reputable independent piano tuner to check the piano for you. He will charge you for this but may save you wasting money through buying a bad piano. We regret that because we may well be competing against you to purchase the piano in which you are interested we cannot be considered to be impartial and cannot provide this service.

How much should I pay?
An impossible question to answer since the value depends upon its original quality, present condition, age and how much it will cost to bring it into proper playing condition.

One word of advice though- never, ever buy a piano simply because it is cheap. Cheap pianos are cheap because they are usually worthless as playing instruments. There may be rare cases where good quality pianos are sold below their true market value but your chance of coming across this kind of bargain is about the same as winning the lottery.

Equally do not think that by paying more to a private seller that it guarantees that you are buying a good quality piano. Most piano owners have a greatly inflated idea of how much their piano is worth and ask a price which may have no relation to its age, condition or true value.

We have to repeat - before you part with money please get a report from an independent tuner.

Lottery Powerball Tips

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The Powerball lottery has grown increasingly popular recently because of the potential it has for huge payouts. It has a larger potential because there are more ways to win that with the regular lotto but the odds of winning big are extremely low.

Lottery Powerball Tips

You choose five regular balls plus one bonus ball which is called the Powerball. The five numbers that are drawn first are called the white numbers and the Powerball is the red number. Here are a couple tips and tricks that can help increase your odds at winning the game.

1. You have to ensure that the correct numbers are punched into the machine. Always use a betting slip to avoid human errors because these tickets cannot be canceled like the regular lotto ticket.
2. Do not use quick picks; these are the computer generated numbers. Avoid them at all costs.
3. Get a lottery system, this way you aren't relying on luck alone to win. Choose the best one out there; one that uses historical winning data so you can get better calculations to provide you with winning combinations of numbers.
4. Develop a system of your own. If you are good with math and statistics especially probability you can probably come up with a good system that works for you.
5. Always follow up to see if you won so you can claim your prize, no matter how small it is.

Following these simple tips will help increase your odds at winning bigger in the Powerball lottery.

Top 10 Best Personal Finance Books of All Time!

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As I was arranging the numerous personal finance books I've accumulated over the years, I couldn't help but wonder how I can put everything together in such a tiny little space. Then I asked myself, if I had a very small book shelf that can accommodate only 10 of these books, which books would I choose? I had to think really hard because I love reading books and I've learned a great deal about life and money through ALL of them. These 10 books are special in that they have completely altered the way I view money and life! They have inspired me to learn more about money and pursue financial freedom! May these same books help you achieve your financial dreams!

Top 10 Best Personal Finance Books of All Time!

Here are Rich Money Habits' top 10 best personal finance books of all time!

#10. 8 Secrets of the Truly Rich by Bo Sanchez

This one is special because it's written by a preacher - and a famous Filipino preacher at that! Bo Sanchez is a best-selling author of inspirational books in the Philippines. This is his first book that openly talks about money, business and investing.

What I particularly like about this book, is that it tackles one of the most critical obstacles in making money - that is, how to reconcile money and religion. Living in the only predominantly Catholic country in Asia, it is very important for me to align what I believe in whether it be on religion or money. Otherwise, I'll just be confused and end up going nowhere.

The book is full of stories on how daily money habits make you rich or poor. It describes the most common perceptions we have about money. We were taught that money is the root of all evil. When we watch our favorite TV shows, rich people are often portrayed as greedy. They only got rich through "drug" dealing or some other "illegal" means. Due to this stereotyping, some us unconsciously don't want to be rich! Who would want to be the "bad" guy in our own soap opera called life?! :)

As a result, there is conflict inside of us. Some of our internal dialogs are

"I want to be rich...BUT not so rich that my friends would hate me and I would no longer have friends." err...who wants to be loner?! :)

Or the most common,

"I want to be rich...and I'm so desperate the only way for me to get rich is by winning a million dollars through lottery."

The great tragedy is never realizing that you don't have to be a crook, or be greedy, or become unfriendly, or win a lotto ticket to be rich - you only need to build rich money habits!

#9. Multiple Streams of Income by Robert G. Allen

This is one of the books I bought when I was in the US. Since I love reading personal finance books, I ordered a bunch of them online. I was able to get them cheaper because I looked under the "used" books section. Surprisingly, most of them are in relatively good condition and look almost new!

The book was my first exposure to having multiple streams of income. For someone who worked as an employee most of his life, I thought I could only earn from one stream of income - my job! I realized having only one stream of income is not a very good idea because there's also only one way money can come to me - through my paycheck!

Having multiple streams of income is NOT necessarily having a second job, or even a third! Multiple streams of income building systems so that money can flow through your life. It means, investing both your time and money to learn how to build those systems.

One way could be through real-estate investments where you get a "stream" of income from the monthly rental of your tenants. Another "stream" could be getting portfolio income like "dividends" or "interests" from your stocks or bonds investments. And yet another "stream" could be from royalties you receive from publishing a book or a music recording if you're a singer. Having a LOT of "streams" where money can come to you is certainly better than relying on just your "job" to make money. The challenge is how to utilize what you have like time, skills, and money to setup these streams of income.

#8. Secrets of the Millionaire Mind by T. Harv Eker

The great thing about the book is it makes you realize what money habits you have developed since the day you were born. It brings out those subconscious thoughts that are hindering you from achieving financial success. Some of the internal dialogs with yourself could be.

"I am not good enough. I'll never be amount to anything financially."

Or you might say

"I'm poor because my parents are poor...and my grandfather is poor...and my great grandfather is poor...so I will always be poor..."

You might not be saying it out loud. You might only be thinking about it. Worse, you might not even be aware of it. And you wonder why you'll not getting anywhere. As T. Harv Eker aptly put it

"...if your subconscious 'financial blueprint' is not 'set' for success, nothing you learn, nothing you know and nothing you do will make much of a difference."

#7. The 4-Hour Workweek by Timothy Ferriss

The book speaks about the "New Rich", a group of people who have the time, money and mobility to spend only 4 hours a week to generate money and live the life they want. The rest of their time is spent on things they love to do like dancing in Buenos Aires, scuba diving in Panama or basking in the Hawaiian sun.

Who wouldn't want to spend only 4 hours of his time working instead of the usual 40 hours a week? Who wouldn't want to have the luxury of time to do the things you really love? Who wouldn't want to take a very long vacation in the beaches of Hawaii while your business is taken care of and money is still coming in?

For employees, it offers practical tips on how to negotiate with your boss for a work-at-home arrangement. It also provides ideas on how to plan your own "mini" retirements so the money is still coming in, without you around. It even discusses how you can "outsource" your life!

The 4-hour workweek is easy to read. The ideas are presented in a simple and uncomplicated manner that you think you're reading a comic book. The book is conversational and funny. Reading it is like speaking with the author face to face. You might even find yourself occasionally laughing at his jokes. (I know I have) :)

#6. Rule #1 by Phil Town

I picked up this book out on a whim when I was at a bookstore in Malaysia. The book explains investing in a very simple and understandable manner. It is not intimidating in any way. After reading this book, it made me realize that I did not need to be afraid of investing. I just need to learn how to do it right.

Rule # 1 is "Don't lose money."

Whether the market is going up or going down, don't lose money. Whether it is a bear market or a recession, don't lose money. Whether you have billions or just a couple of hundred dollars in investment, don't lose money.

The book discusses some of the basic myths about investing and provides simple strategies for successful investing while spending only 15 minutes a week. It tells about the five key numbers that really count when determining the value of a stock or business. It even mentions valuable internet tools and the advantages of managing your own investments to achieve your investment goals.

I know there may be other books on investing out there, but so far, this is the only one I've come across that made me understand the world of investing a little bit better.

#5. The Richest Man in Babylon by George S. Clason

I came across the Richest Man in Babylon from reading Rich Dad, Poor Dad by Robert Kiyosaki. It tells about the ancient secrets of money. The book coined the phrase "pay yourself first". In ordinary terms, it means - SAVING. But it is more than that. The book tells that in any trade you're in, you CAN still "pay yourself first". Once you have "money" in savings, you can then have that "money" work for you.

But how can you save when your little money is not even enough to survive on? How can you set aside 10% of your income when you're living on 110% of it? How do you "pay yourself first" when the creditors are coming after you?

Paying yourself first is certainly not easy. It takes tremendous discipline. That's one of the reasons why it is not popular. But once you get the rich money habit of controlling your money instead of it controlling you, your confidence builds up, you'll think that if you can do this then you can do anything. And as with anything related to money, it touches everything. Your health improves. You become successful in what you do. People will wonder why you're always brimming with confidence. You become the richest man in every sense of the word.

Isn't it better to walk into a store knowing you can buy anything you want because you have the money (saved)? Doesn't it give you peace of mind knowing that if some emergency occurs, you can readily rely on your saved "emergency fund"? Would it be nice to be able to help your family or those closest to you "financially" for a change? That's the dream. And it starts with paying yourself first.

#4. The Millionaire Next Door by Thomas J. Stanley Ph.D. and William D. Danko Ph.D.

The book is based on a comprehensive research on the money habits of millionaires. The results are surprising in the sense that majority of those millionaires are not what we commonly expect them to be. As aptly described in the book,

"These people cannot be millionaires! They don't look like millionaires, they don't dress like millionaires, they don't eat like millionaires, they don't act like millionaires - they don't even have millionaire names. Where are the millionaires who look like millionaires?"

Many of the "next door" millionaires are first-generation. They did not inherit their riches, they built them. Few of them do not spend more than 0 for a watch. Others don't even wear a suit to work! They engage in types of businesses which could be classified as dull-normal. Some are welding contractors. Some are rice farmers. Some are pest controllers. Others are coin and stamp dealers.

What separates the "next door" millionaires from the rest is their money habits. They are frugal in nature. They value money. They invest at least 20% of their income. They even have a "go-to-hell fund" which can provide for their expenses for at least 10 years without working at all.

I think the most important lesson from the book is not that we know who the actual millionaires are, but the realization that it could be YOU! If they can do it, so can you! It's time to build your own rich money habit and be the "millionaire next door"!

#3. Your Money or Your Life by Vicki Robin and Joe Dominguez

I bought this book out on a whim. I was actually looking for the book "Outliers" by Malcolm Gladwell when I saw this book at 20% off.

The book tells about managing not only your money but looking at it in totally different way. Your money is only part and parcel of what your life is. There is also time. There is also your dream! What do you enjoy most? How do you spend your money? What do you do with your time? Would you still do what you do even if you have all the money in the world?

The book emphasizes managing the resources that you have like money and time. It offers very specific tips like monitoring your spending and whether each of those is contributing to your goals or not. It also has some ideas on how to identify exactly what you like to do and manage both your money and time so you can do more of what you love to do and less of what you don't like to do. It even has some charts to help you picture out and plot where you are and when your freedom day will be.

I think the main message of the book is not to choose money over your life or the other way around - it is to have BOTH.

#2. Rich Dad, Poor Dad by Robert T. Kiyosaki

As mentioned in my personal finance story, this is one of the books that made me realize I really need to develop rich money habits to achieve financial freedom. The book is a story of growing up learning about money from two different dads: one is rich and the other one is poor. The story unfolds to describe the different money habits of the rich dad and the poor dad, each one producing a different financial result.

The book makes the very complex world of money and business seemingly simple. It is so simple that the ideas can be explained to a child using only sketchy drawings. The drawings illustrate how cash flows from your pocket to the bank when you pay your bills, and how it flows from your company to you when you get your paycheck.

What you do with the money after your receive it determines whether you become rich or poor. Do you use the money to buy assets like real estate investments or setup businesses? Or do you use it to buy liabilities like a brand new LCD TV in 12-easy-monthly-payments-with-zero-interest!

The reason I liked the book is because it inspired me to become better and to view business and money in a totally different way. It expanded my understanding of how money really works! Most of all, it gave me the confidence to dream again!

#1. Think and Grow Rich by Napoleon Hill

Think and Grow Rich is one of the first books I've read about money. The main message of the book is that you have to "think" about money first before it becomes real. It is a direct translation to the phrase "what your mind can conceive, your body can achieve". When you really think about money and you have this "burning desire" to make it real, all the universe conspires to build the means to bring it to you.

Money is, first and foremost, only an idea. It is not real. The money you hold when you buy a bag of grocery is only as real as the "mutual" agreement you have with other people that the paper you're holding is worth something of value equal to that you're buying.

The book doesn't say "Work Hard and Grow Rich". Working hard means different things to different people. For an employee who doesn't like what he's doing and only get paid very little, everything is "hard work". For someone who love what he does, "working hard" is not in his vocabulary.

As Henry Ford said,

"Thinking is the hardest work there is, which is probably the reason why so few engage in it."

There you have it! Rich Money Habits' top 10 best personal finance books of all time!

P.S. How about you? What are the best personal finance books you've read?

Cheers!

Allan Inocente
Rich Money Habits

Pick 3 Lottery Systems and Pick 3 "Giveaway" Numbers

Lottery Number Generator :

Benjamin Franklin is credited with the quote "but in the world nothing can be said to be certain except death and taxes." Lottery players around the world certainly dream about finding a sure thing other than death and taxes. This tough economic time with the highest unemployment rate that this generation has experienced finds more and more Americans turning to the internet looking for financial help. With weekly advertisements of 0s of Millions of dollars available for having the right numbers for a single one dollar Lottery investment can be the answer to resolve all their economic woes instantly.

Pick 3 Lottery Systems and Pick 3 "Giveaway" Numbers

Whether they have never played any lottery game before in their life, or have been against playing the lottery based on religious grounds, their current economic crisis to save their home has given reason for many folks to look at the lottery as a potential ray of hope of legally reversing their financial problems. They join lottery players who have been on a perpetual journey to find a way on how to win the lottery. More people than ever before are on the internet looking for some lottery systems or psychics to give them "the winning lottery numbers".

If there were lottery systems that could provide all these needy folks with an answer to bring them economic relief to their current situation, they would be grateful. Many of the veteran Pick 3 players who have invested over and over again in promising Pick 3 lottery systems that have failed them in the past might sadly advise them not to even bother looking. Some veteran Pick 3 players, who have jaundice views of any new Pick 3 lottery system that comes along based on their past experiences, seem to demand proof and perfection before they would even invest in it. It is this very attitude they share with others in forums, particularly with any potentially new Pick 3 lottery player who is looking for information for the first time.

Even if a Pick 3 lottery system would come to the marketplace and introduce a new concept of a "Giveaway" Number that a Pick 3 System and its strategies could provide, would anyone out there believe in these new possibilities? President Theodore Roosevelt once said "Believe you can and you are halfway there." It is one thing for doubters to reject something for themselves, but it is another to steal someone else's hopes and dreams by passing on an opinion about something they have never seen or read. Their negative comments are worthless much like the advice that the blind man whispers into the deaf man's ear.

If there is a Pick 3 Lottery System available that can indeed provide a way for lottery players or people in need an opportunity to learn a process that does indeed produce "Giveaway numbers", then everyone should have a chance to try this Pick 3 System. A Giveaway number is any Pick 3 Lottery number that is the result of multiple indicators that suggest and point to it as the next playable potential winning Pick 3 number.

The 0 Pick 3 Jackpot may just be a drop in the bucket for what someone really needs. But one uses the right strategies that can maximize multiple "Giveaway Away" wins over a short period of time, or even allow the lottery player to play the Pick 3 Game for Free by using the monies from a Giveaway number's win. It at least provides a glimmer of hope in the face of despair. A friend of mine, always in the face of difficulty or doubt, would cling to her favorite saying "Hope springs eternal". Spring is here, and so let there be hope for those who are in need or the veteran Pick 3 players who would love to see Pick 3 Giveaway numbers join death and taxes as certain things that can be counted on in life according to Mr. Benjamin Franklin, whose portrait is always available on the face of the One Hundred Dollar Bill.

Why Go For Offshore Pick 4 Lottery?

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There is rarely a thing nowadays that you will not be able to find in the World Wide Web. There are various items to buy, sell, see and learn from. There are also different forms of entertainment and leisure medias that you can gain access from. There are simple interactive games to more serious and conventional ones that you can be able to find. There are different offshore pick 4 lottery sites that you can find around the web that you can have the advantage of betting on for a chance to win the pot.

Why Go For Offshore Pick 4 Lottery?

The general rule of the offshore pick 4 lottery sites is not much different from the conventional lottery that we have in your local area. You would still need to choose your personal combination that can range anywhere from 0000 to 9999. Some individuals who takes this game more seriously uses a wheel, generator or chart to help them decide on their combination. These systems are meant to help analyze the odds of the numbers from being drawn by means of studying the previous numbers that have been drawn. You must input your set before the cutoff of the specific draw date and time for it to qualify.

To some host sites, they offer you the chance to wager as small as a quarter for you to join the game. If you are feeling quite bold and would like to try your luck for a bigger pot, you can be able to increase your wager up to a certain amount. For you to be able to join the online games that are often hosted offshore, you need to have a verifiable payment processor. These would include credit cards, debit cards and other systems such as PayPal. There are sites that offer smaller wagers and smaller pot prizes while others offer larger amounts that would require larger wagers.

Offshore pick 4 lottery is not illegal. However, it does take advantage of the loophole in terms of making it accessible to individuals from different locations. While maintaining the site and keeping the system remarkably efficient may be costly, the returns are lucrative. Most of these sites are legit in the sense that they deliver what they promise. However, there are some sites that are only operational for one reason - earning money to their advantage. As these are offshore, these are no longer covered by governing laws in any state or country. While the risks of problems arising from joining these games are rare, individuals who voluntarily join these are not as protected as those who would rather venture on the local games.

Joining these has its own advantages that many individuals often see. These will not require you to run off to the retailer that may just be a few blocks away. For many people who would like to have a little extra in their pocket while staking very little, this is their best option. They would not need to leave their seats, homes or offices just to make it in time for the betting cutoff. With a few clicks of the mouse, they are well on their way to online lottery.

Casino Gambling in Georgia - Should Casino Gambling Be Made Legal in Georgia?

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The State of Georgia is facing a budget shortfall for fiscal 2009 of over Billion. And states do not have the luxury of running deficit spending, and printing up paper money to cover the shortfall. State budgets must be balanced each year. So, Georgia needs to give serious consideration to a new revenue stream.

Casino Gambling in Georgia - Should Casino Gambling Be Made Legal in Georgia?

State Rep. Roger Bruce (D-Atlanta) has announced his intention to introduce a bill in the 2009 legislative session to allow voters to decide if they want gaming in Georgia. His bill would allow voters of each Georgia county to decide whether or not they wanted gaming in their county. The Georgia Assembly and recent governors have been cool to the idea of casinos in Georgia. But the legislature has never allowed any gaming proposal to be voted on in a general referendum or any other popular vote.

The big question is: Should gambling be made legal in the state of Georgia?

Answer Number One: In a free society, individuals are free to use their income and assets whichever way they choose. There should be no moral, ethical, or even Biblical sanction against gambling. Some people believe that gambling is a sin, but a sin should not be made illegal when it does not initiate force or fraud against another individual. Said another way, if I use my money to gamble with, it's my business.

Answer Number Two: The State legislators have already settled any moral trepidations they may have ever had over gambling. It is already legal here in Georgia in one form. Fifteen years ago, lottery gambling became legal in Georgia, and to date, has generated over Billion in tax revenue. Sales for fiscal year 2008 climbed to a record-breaking .5 billion, exceeding the revenue generated during fiscal year 2007. So, the State of Georgia has already been in the gaming business for over 15 years. Casino gambling is simply another form of gambling. However, with casino gambling, the state will not have the monopoly, but private enterprise will own and operate the casinos.

With a 15-year history of successful gaming under its belt, it is going to be pretty hard for the Georgia General Assembly to refuse casino gambling without exhibiting massive hypocrisy. But massive hypocrisy has not stopped them in the past.

But, what about other states where gaming is legal? What has their experience been?

To find out, I went to the website of the American Gaming Association in Washington, DC.

In Nevada, the granddaddy of them all, where gaming began in 1931, tax revenues from gaming have been a large part of the state budget. In 2006, Nevada gaming had 201,000 employees and tax revenues were .034 Billion. Nevada's budget for 2009 is set at Billion, so gaming revenue comprises about 17% of that state's total income each year.

Mississippi legalized gaming in 1990, passed by legislation and local option vote. There are 30,500 gaming employees, and tax revenue for 2006 was 0.44 Million.

Louisiana legalized gambling in 1993, passed by legislation and local option vote. Tax revenue last year was 9 million, another million from racetrack casinos, with 20,300 gaming employees.

Michigan legalized gambling in 1996 by statewide referendum, local option vote and legislation. Michigan has 3 casinos that generated 2006 tax revenue of 5 million.

So we see here that other states have long histories of success with casino gambling.

Casino gambling would be a welcome addition to the convention business in Atlanta and other Georgia cities. Las Vegas has been stealing away convention business for years now with their gaming and entertainment attractions. The Georgia hospitality and restaurant industries would also get an infusion of business as they support gaming tourism.

Atlanta has another competitive advantage as a gaming destination...Hartsfield-Jackson Airport, the busiest airport in the world. It's been said that you can't even get to heaven without connecting through Atlanta. Our presence as a Southern regional transportation hub makes Atlanta an easy gaming destination for the two thirds of the population of the US that lives east of the Mississippi River.

Casino gambling can be a valuable addition to the economy of Georgia. I hope that the Georgia General Assembly can find its courage and conscience and votes in favor of casino gambling in the 2009 Legislative Session.

Lottery Winners Tips - Tips From Lottery Jackpot Winners

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If you want to find out some lottery winners tips, then read this article. You will get helpful tips from the lottery jackpot winners.

Lottery Winners Tips - Tips From Lottery Jackpot Winners

Because of the great opportunities for earning big amount of money, there are many people who are fascinated to play lottery games. It is true that the jackpot prizes in lotto are really promising for having a brighter future. This is why there are still numerous people who play lottery games despite the difficulties in winning here. It is true that you have the slim chances of winning in lotto. Some would even say that it is almost impossible to win lotto.

You do not have to worry about what people are saying about how difficult to win in lotto. You can actually make your chances of winning a little better. The only thing that you need to do is to identify what method of choosing and making number combinations are effective to you. There are many simple ways on how to choose numbers that you can possibly place a bet on. Here are some lottery winners tips that may become very helpful in your quest for good lotto numbers.

Most of the lottery jackpot winners say that they get numbers from online lotto number generator applications. In many websites dedicated to lottery games, you can find some number generator applications. These applications are able to gather data regarding the previous winning combinations that came out during the past few lotto draws. After the applications gather these information, it will then analyze the number patterns so that it can generate new combinations that have better possibilities of hitting in the next draws.

Another way to create combinations is to through the use of birthdays. There are many lotto players who choose numbers from the birthdays of their parents, children, siblings, and even birthdays of friends. They think that they are lucky with these numbers that is why they want to create a new combination from these numbers. Creating numbers through birthdays is a good option because these dates are proven to be very lucky for a number of people.

Horoscopes are also good sources for lucky lotto numbers. Most of the lotto winners say that they are dependent on the numbers suggested in their horoscopes because these are lucky too. We may all observe that people are relying too much on their luck when they create new combinations that they can bet on. These are just some of the lottery winner tips that have helped many individuals in their quest and aim to win big amounts of money.

Winning Lottery Prizes With a Biblical Number Picking System

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I read an article the other day which said that people can win prizes in the lottery by playing certain numbers that appear in the Bible. Apparently some person did a computerized analysis of the numbers that appear in the Bible and has concluded that God will reward with lottery jackpots those who play a certain series of numbers, along with their birthdays.

Winning Lottery Prizes With a Biblical Number Picking System

I don't think much of this system. It's obvious that the man who did this "computerized analysis" of numbers in the Bible knows nothing about winning lottery numbers. The truth is that in the history of North American lotteries, this guy's 10 biblical numbers (and a birthday!) have not been any luckier--have not won prizes more often--than any of the other non-biblical numbers. If he had taken the time to check out which numbers have won in every lottery state, and that information is readily available, then he would have found that no numbers, biblical or otherwise, win more often than any other numbers.

And just because a computerized analysis identifies which numbers appear most often in the Bible, why should be assume that those numbers now qualify as lucky lottery numbers that will win your prizes? My knowledge of the Bible may be a bit limited, but I don't remember any place in the Bible where we are instructed about what lottery numbers to play.

Why don't we do the same thing with other sacred writings? A computer analysis of numbers in these works might be very interesting, but they would be just as worthless for finding prize-winning lottery numbers.

Be skeptical of anyone who claims to be able to tell you winning lottery numbers, especially anyone who claims to have divine insight.

Picking Winning Lottery Numbers - Winning Lottery Ticket Numbers

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If you want to know how picking winning lottery numbers are done, then read this article. It will teach you how to pick winning lottery ticket numbers.

Picking Winning Lottery Numbers - Winning Lottery Ticket Numbers

Around the world many people are playing lotto for many different reasons. Some play because it gives them so much fun and entertainment. There are also some people who play lotto because they want to win the jackpot prizes. Winning in lottery is almost impossible. But there is still a way to win.

The best way to win is to discover the art of picking number combinations. There is no exact and perfect way on how to pick numbers that will make you a sure winner. However, you can pick out number and make combinations that has better chances of getting the jackpot prize. There many known simple but great ways on how to pick up numbers. You just have to be resourceful and creative. Of course, since lottery is a game of luck you should make sure that you are feeling lucky with the numbers that you pick out to bet on. Here are some tips about picking winning lottery numbers that will surely increase your chances of hitting the jackpot.

The first thing that you can do is to pick out numbers suggested in number generator software. These software are especially made for lotto number generation. These are actually available in a lot of lottery websites. You can avail of this service for free but take note of some sites that asks for some payments from the visitors. What is good about his software is that you can generate the winning numbers from the past draws. By doing this, you can analyze which numbers are best for betting. Most of the patrons in lottery do this before they choose for the best winning lottery ticket numbers.

The next thing you can do is to pick out numbers randomly. Random picking of numbers is beneficial because we all know that lottery is a game of luck and the winning number combinations are picked a lottery machine at random. When doing this, rely so much on your instinct on which numbers are actually making you feel lucky on that day. We should always trust our instinct and hunches because it has been proven over the years that these are often true and correct.

You can always play lottery games for as long as you want provided that you have ample amount of money to buy your lottery tickets. You might not be expecting to win but it is obvious that when you buy the tickets, you are actually hoping to win. So, to let your hopes get the best chances of getting a big jackpot, you should develop your way for picking winning lottery numbers.

How to Pick Winning Lottery Numbers - Calculate Your Winning Numbers

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Winning the lottery as what many people have been dreaming of can be very frustrating. Well this is reasonable as winning is not for everyone. You need to be strategic to be the next winner. It's actually a matter of how to pick the winning lottery numbers. Sounds more complicated than winning isn't it? However, to those who have gained much understanding on how to do this, getting close to winning and later on, hitting the jackpot is eventually is way easier. So what are these strategies that you can use and how are they so effective?

How to Pick Winning Lottery Numbers - Calculate Your Winning Numbers

What you need is just to appreciate Math and its formulas. It isn't money that makes the world go round, but it's the numbers itself. If you haven't noticed, everything we see is made up of Math. Math does not only make you a logical thinker, but it also makes you a millionaire. How else do you think successful people reached such accomplishments? How can buildings and roads be possibly built? How do you think lotto exists in the first place? That's all because they use simple Mathematical equations. Yes, that's right, only simple formula is involved. Same goes with how to pick the winning lottery numbers.

Some of these techniques include odd and even combination, group number, arithmetic, higher and lower set combination, and many other Mathematical formulas. Math is also the basis of lottery calculator - an effective lotto number generator. One thing is for sure, the best way to pick the winning lottery numbers is to use mathematical equation.

As you can see, it doesn't only involve lots of lucks and miracles to get to the millions. It's just a matter of strategy and simple Math formula. So now that you know that learning simple Math formula helps on how to pick the winning lottery numbers, the next move you should make is to rush to the ticket outlets and buy your ticket and savor the jackpot of lottery.

How To Teach Fitness Classes In Schools

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The government has issued new PE objectives to schools indicating that they must increase their structured PE during school time to every child by 2010. They also have to provide an additional 2 hours of out of school PE by 2014. By using real life case studies from successful instructors who are leading the field in developing regular ETM classes and strategies for schools this article explains how to present yourself as an expert, understanding all school ‘s love for acronyms and coding systems and pinpoint who to approach within schools .

How To Teach Fitness Classes In Schools

Diversification has to be the buzz word in the fitness industry right now. There are so many avenues for the discerning fitness professional to go down within group fitness. These niche markets are in desperate need of the qualified Group Fitness Instructors skills, expertise and knowledge. No longer is teaching in a health club or sports centre the only option. Classes in the community, GP referrals, corporate venues, children, teens and the plus sized market are all MASSIVE opportunities and are relatively untapped areas. We need to start making significant steps towards finding solutions and creating specific programmes for these target groups.

Teaching fitness to children is not the same as teaching to adults so you will need to do a specialist teaching qualification (see the end of this article for course information) as an add onto your existing qualification. Remember you will not be insured to teach under 16’s unless you have a separate specialist qualification. You will also be required to be CRB checked but I am sure your school will be able to help you with this.

But how do you approach schools? who do you approach in schools? and how does it all work?

Liz Hindley owns a highly successful business in Preston, Lancashire called Physikidz (www.physikidz.com) After completing the CAFitness qualification Liz ( who is a mum of 3) began approaching schools with her unique ideas for getting children into exercise. “Leaping Liz” as Liz is known by the children , has developed C.A.T.S (Classroom Aerobics Training System). She identified that children at key stage level 1 and 2 would benefit from doing short simple exercise sessions every day. These sessions are taught in the classroom, without the need to get changed. Leaping Liz visits the participating schools periodically but in the meantime has designed and created all her C.A.T.S routines on a DVD which the teachers play every day for the children.

“The programme I run is operating in Preston (the UKs newest city!) and surrounding areas. I have run INSET days for teachers in Liverpool and Chorley, and spoke about my programme at a conference for SScos at the JJB Stadium in Wigan, which covered the whole of the Northwest. On the back of that and the website, I have sold C.A.T.S (Classroom-based Aerobic Training System) Dvds to schools all around the country.”

Liz is a fully qualified group fitness teacher and I asked her what motivated her to make the push into schools:

“A family friend, a local PDM, was concerned that schools in his partnership were falling short of the 2 hours structured PE that is a Government requirement for 2010, particularly at Key Stage 1. I offered to work with a school in his area to see whether there was a solution to the problem. My simple, short routines were such a hit, that other schools in the area asked me to visit. My alter ego “Leaping Liz” quickly became a local celebrity among teachers and the requests for school visits came flooding in. More than that, I found that I really enjoyed working with these little bundles of energy. I feel that I am really making a difference to the fitness levels of children in our area. They all feel inspired to tell me about their activities – swimming, judo, gymnastics, ballet – between my visits. I am also helping teachers to achieve a simple solution to the problem of fitting more PE into an already packed curriculum. No two schools are the same; no two children are the same. It is challenging, but enormous fun “ Says Liz
But how do you break into the schools system?

Liz offered to run half-hour aerobics sessions to three key stage one classes over six weeks at no cost to the school. Since going into that school, they have asked her back to work with key stage two, to work for a whole day during Health Week, to run after school sessions for the staff, to do a step taster session with Year 6 and to do a sponsored aerobics charity event. They also passed Liz’s contact details onto the primary school across the road, who booked her for six weeks, and so it continued.

Decide which age group you want to aim at to begin with. Better to approach a school and offer to teach Junior Yoga for 3 weeks in half hour sessions to Key Stage one, than to try to offer all your skills to the whole school. It makes you look more professional, and once you are in the school, they inevitably want you to try different things with different groups. Getting your foot in the door is the number one aim.

Getting into schools can be quite challenging. It is not a question of just writing to the head of PE or Head Teacher you need to understand how the school framework operates when using outside Instructors.

Caroline Oliver is a fully qualified PE teacher and is Exercise to Music /Fitness Pilates trained. She runs a website called http://www.kidzactive.co.uk. Caroline is also a School Sports Coordinator who along with the schools Professional Development Manager are the key people you need to contact if you are looking for work within schools. But what is a SSCO and a PDM. Caroline explains who they are and how these people can help you in your quest to teach in the school system.

PDM – Partnership Development Manager – your most important contact. The PDM looks after a cluster of secondary schools and primary schools in the area. They are based usually within one of the secondary schools, this role is to co-ordinate all the partnership schools and get the structured PE time up to 2 hours in every school, which is a Government target for 2010. They have a pot of centralized money which is designated for PE.

You can find your local PDMs contact by doing a search on GOOGLE. Your local authority will have these details on a website or contact Youth Sport Trust in your region
SSCo – School Sports Co-ordinator. This is a role in Secondary School, and is where a PE teacher looks after 6 or so primary feeder schools. The SSco also has access to additional PE designated funds. Contact your local secondary schools to get the contact details of the SSco.

“Teachers are buried under mountains of paperwork and are very busy so an email to the SSCO and the PDM would be your first port of call. Introduce yourself and explain what you can offer the school, your qualifications and availability. Offer to pop in for a chat and discuss your ideas”

I emailed all the PDMs in my area offering my Street Dance Programme and Fitness Pilates for teenage girls. It took a few weeks for the PDMs to get back to me so by this time I contacted the SSCos in each school via email. I also let all my local community classes members know that I was aiming to offer classes in school, as many of my regular’s have children in schools are class room assistants and many pupils attend my evening classes so they helped to spread the word. I now teach Street Dance in 3 schools during PE Lessons and run 2 afterschool clubs. Once you get into one school word spreads like wildfire! My phone now rings constantly with other schools wanting to offer the sessions.
Donna Podesta of White Feathers Fitness has also been making headway within teaching in schools.

“I am in my 3rd year of running the Dance Club at my local High School and last year decided to take my video camera into the class to film the dance we had been working on. I then made this into a DVD (inspiration from [http://www.choreographytogo.com!]) and passed it on to the SSco at the school. I only really did this to show them how well the students were doing and the progress they had made with dance. Lucky for me he passed this on to the PDM for my area and I now have a contract, funded by the lottery to deliver a KS1 Dance Development Programme to 31 Primary Schools in my area. I have 2 girls working for my company now 'White Feather Fitness & Inch Loss' as I can't deliver all the dance classes myself, we have just finished our first week and the children were so enthusiastic and excited they have been a pleasure to teach. Dance is such a fun way for children to become more active and improve balance, co-ordination and build confidence. Hopefully this positive introduction to exercise for these little ones will encourage them to continue to be active in later years” says Donna Podesta (www.whitefeatherfitness.co.uk)
By providing children and teens with safe, effective and FUN ETM classes we can encourage a lifelong habit of exercise and show the next generation the joys of exercising together in a group with friends to music. By forging partnerships with schools and the local community we can make a difference to the health of children and also provide ourselves with a rewarding way to take our services forward in new directions.

How to Increase Your Sales - How to Close Every Time

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In this post I want to explore some fundamental basics of sales and how to increase your sales success. This method is best used in software or technology, it has not bee used with product sales so I don't know how that works. However, I've been using this method in software for the past 7 years with great success. This method is not a new type of rocket science, it is not something you are not familiar with, if you have been in sales for some time with success.

How to Increase Your Sales - How to Close Every Time

Who am I?

I am an MBA sales manager at a software company who focuses on creating software for the gaming industry, mostly Lotteries and Casinos but also in Sports betting. I have been using this method to create new clients, gather leads, make the most of my time by selecting which leads to follow and which not and increasing my closing rate. A usual sales cycle in this company I am working in now is about 1 year or more so this sales method is useful for long term sales. This is perhaps not the best method in sales that take place many times a day, such as retail.

The sales process

First of all let me say that I view the sales activity as a process. If you follow some fundamental steps you increase the likelihood of closing the sale. In sales nothing is guaranteed but I am sure that if you follow these fundamental steps you will increase the likelihood of closing a sale.

Sales activity is a process - it is bets run with some project management skills. You need to set out a plan of action that may take a long time to execute and some of the steps you need to repeat until a desire result has been achieved, but it is a process in my mind - not some genetically inherited skill of either you can sell or not! Everybody can sell - with great success - they just need to follow a simple process that logically moves the prospect from a mild interest in you solution to a state of desire to give you money for the service. If prospects are not willing to part with their money in return for your solution, then you are not selling anything. The process here show you how to take the prospect to this stage where they want to give you the money.

The basics - finding the prospects

Gathering potential clients is a task every sales person needs to master. If you cannot get the attention of potential customers you are not going to have any success of selling anything. So the first step is to find customers. How do you do this? Depending on your market, you should do some research here trying to find the actual companies that you would like to sell your products or services.

• Make a list of dream customers
• Make a list of second best customers
• Study your competitor's customers - make a list

When I say a list of customer I mean names of people, contacts - both e-mails and telephone numbers. It is not a good policy to send e-mails to e-mail addresses like "info@abc.com" or anything like that. This is going to get you nowhere. You need to come up with a good list of 100 companies and their contacts. In my experience, I always target the Marketing executives and Sales people - preferably C level - or as high up as possible. In the software industry or when selling a technology, I have never called the technical department. This is of course not applicable to every situation but it is my experience that the technical department will usually turn you down to begin with. Why? because they will view every new piece of technology or software as additional work - and therefore more problems - and from an operational standpoint that is probably true. So they will turn you down but the sales and marketing people will always want to hear how they can increase sales or solve some other problem that they may have.

Getting the leads

Identifying the problem your solution or product solves is crucial in this method of sales. Put a lot of work into finding out what problems this product solves for your existing clients. If you don't have any, figure out why this product or solution was made in the first place. Use this information to create a letter (e-mail) to sent to your potential customers. This letter is supposed to generate interest in your product or solution.

Formulate the letter in the following manner:

• Introduction
• List the problem some of your customers had (similar companies) - 3 items
• Explain how you solved this problem
• Offer them to have the same problems solved in their company

Coming up with problems to solve is a work of creation - you need to be creative here. Find a few customers who are willing to give you a statement of why they bought from you in the first place. What problems did you solve for them? My guess is that similar companies have similar problems that they need solving. Get this information into your letter.

Qualifying the sales lead

Make sure that the companies on your list are within your marketing criteria. Don't waste time following some hot leads that you are never going to sell to because of legal, environmental, political, financial or whatever other reason you need to have to be able to become your customer. If the reasons are financial, then the prospect needs to have a certain turnover per year etc. Make sure you know the company in question, study it's website, read their newsletter - become an expert in their products/services, try an understand how they function. This is what I call qualifying the prospect. I make some harsh cuts here to my list just to make sure I am putting my time into valuable prospects.

When this is done, get your letter out the door in reasonable chunks - 10 or 15 at a time. And make sure you follow up with a phone call to EACH AND EVERY ONE OF THEM! Just call them. The letter itself will not drive the prospects to you - you have to call them or visit them or whatever. You must get to that person one way or the other.

Making sure you understand the problem

Now you have sent your letter and you have made the call and the prospect is on the line or you have a meeting. Do me a favor - leave PowerPoint at home. People who use power point to sell never sell anything. The sales process begins with a conversation. The point of this conversation is to find out as much as you can about your client. You can perhaps begin with a short description of your company and it services - in general terms (PowerPoint if the client seems worried) - but make sure you do not use the 1 hour you get with him/her in talking. You want to make the prospect talk. There is one fireproof way to do that - ask questions! This is where your study of the company kicks in - you should make a list of questions related to the company or the situation and make sure you understand the problem they have perfectly - this is not the time to sell - don't sell here! Just listen and ask questions. One man said to me once "Do you know why sales people have one mouth but two ears?"

I am sure you got the sales job because you have the gift of the gap - but in this step you should just listen - learn. Prospects will tell you a lot nd they will even tell you how to sell to their company. Sales and marketing people are always very helpful.

Make sure the solution fits the problem

Now this stage is a rinse and repeat. You should ask all the questions you can about their business and specifically about their problem. At some point you are expected to solve this problem. But you have to make sure you get their problem identified and agreed upon. The prospect ahs to accept this problem he has. Once he has done that or even a list of a few problems - you can start using you solution to solve each and everyone of them. The conversation should be along the lines of "... if I can show you how this problem can be solved will you take seriously look at our solution". The point here is to make him say "go" to exploring your solution further and giving you a chance of proving that his problem is solved with your solution. This step could take a few meetings.

And get it in writing. After the first meeting make sure you do meeting minutes where you state everything decided in the meeting or conversation, especially that the prospect has admitted his problem and accepted to explore your solution further. Depending on the level of complexity, this could be a few meetings and conversations on the phone as well. I've had prospect that took months in defining the problem and making sure the solution fits.

Now you go back to your team and get them involved in showing proof that your solution can solve the prospects problem. Here is a good idea to do a schedule - like an evaluation period. Get this schedule worked out with the prospect and get him to agree to it - he will if he made it with you.

OK so now we are here:

• the problem is identified
• the solution to the problem has been found

Now he wants to know how much it costs. Sure, this stage is always a little tricky but I have found a great way to get around the embarrassing "offer and pray" situation that I used to fall into. But before you give them the numbers..... you need one more thing from them: access to decision makers.

Getting to decision makers

They are not going to get the price unless you get to present it yourself to the guy or the committee that takes the final decision. This is crucial to keep in control of the sales process. As soon as you give them the numbers you lose control of the process - remember that. How do you get to the actual decision makers? Again you ask " are you the guy who decides on this?" If no, it is not unreasonable to ask if you could deliver the offer yourself, you are the best in explaining the offer etc.

Once you get to the actual decision makers make sure they identify with the problem and accept it. If they do not, your solution is not solving anything for them = no sale.

How to make an offer they cannot refuse

In making the offer itself I always use the same trick I learned for the book Solution Selling - sit down with your prospect - in a pre-proposal meeting and create the offer with him. Show him the numbers and how you make the offer. Tell him that you are going over the offer and you want his opinion on some things. Then you sit down together and you show him the draft version of the offer and you go over some items. Often, almost always he will make changes to the offer - either take this thing out or lower this number or whatever. Here you need to stand your ground on sensitive issues - don't sell out.

Closing the sale

Now you deliver the offer. It is an offer that is bullet proof. It is a solution solving the company's biggest problem and it is going to help them earn more money. If you can do a return on investment plan that would be dynamite but the reality is that you cannot always do that. Now you meet the decision makers, present you case and the offer they have helped creating. Chances are they will accept it since they helped you to create it.

Now you get that signature and hand over to legal for contracting.

This is more or less how I sell every sale I make. I am sure that if you follow these steps you are going to turn your dead end no sale job into a winning streak of nothing but closing every month - guaranteeing you that sales commission. I also suggest that if you are interested in thsi topci you should read more on it on Entrepreneur.com

Random Lottery Number Picker Strategies

Lottery Number Generator :

There are two schools of thought with people that prefer to pick their own lotto numbers. The first is the school of thought of picking numbers that have sentimental meaning, like birthdays or other special dates. The second is the school of thought that you should pick random numbers. The debate of which method is better goes beyond the scope of this article. Rather, this article dwells into the second school of thought and provides some random lottery number picker strategies.

Random Lottery Number Picker Strategies

There are many different strategies you could use to pick random lottery numbers. Here are just a few:

• Using a toy lottery ball machine. You must have seen these before. These are the toys where you shake up the balls and allow six of them to drop down, just as a real lottery ball machine would, except that it is a toy. You could usually find these in the dollar store.
• Using a random number generator on the internet. There are many websites that you could find, just by querying a search engine, that could choose random numbers for you.
• Using random numbers that come to you in real life. There are many possible ways to do this. For example, I write a blog about lottery winners and once wrote a story about a woman that used the first six numbers that appeared on the front page of her local newspaper to use as her lottery numbers. Guess what? She actually won the jackpot.

The above methods of choosing lottery numbers are purely random because you have no control over what numbers come up. Of course, there are many other random lottery number picker strategies that you could use, just be sure that they are purely random. If you have any control, whatsoever, as to what numbers come up, it is not random.

Are You in Debt - This Article Will Change Your Life For Ever

Lottery Number Generator :

Within just a few weeks it will transform your life; No more stress or sleepless nights, you will be happy and life will be fun again.

Are You in Debt - This Article Will Change Your Life For Ever

This is NOT a get rich scheme (SORRY THERE IS NO MAGIC FORMULA).

(STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealthy. The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy.)(SORRY but that is the hard truth).

Quote from the course:

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

Are you in Debt? we receive many e-mails asking if an internet, e-commerce business can transform debt into wealth. We cannot promise that, to start any business takes commitment, you must be focused and have a business plan, set key objectives. You also need to have time to develop your new business.

If you are in Debt, you are often under pressure from your creditors, stressed. First consider you priorities:-

- Would you like to pay off your mortgage?
- Would you like to pay off your bank overdraft,loans and credit cards?
- Follow our plan, clear your debts, and become financially independent. (THEN you can move to the next level how to become wealthy).
- You cannot wish to pay off your debts; you need the commitment and the WILL to make it happen, which will require changes to the way you control your money and your spending habits.

Create a new future, turn debt into wealth:

Course content:

1. Step one make the commitment.
2. Actions that will move your bank account into the black.
3. Golden rules to success
4. Review your current financial status.
5. Were you ever taught how control your money?
6. Money makes money, your key objective to get debt free.
7. Why do we fall into the credit card trap?
8. Those cards must go. (High interest crazy)
9. You must operate on a cash only basis. ( you will quickly see the benefits, it is amazing the extra money it creates)
10. HP the monthly payments that cause you worry and stress.
11. Now you have the mind set to pay off ALL your debts.
12. Manage your spending. (Impulse buying will blow your plan right out of the water)
13. Being in debt can be due to bad luck; however, it is far more likely to be our own fault, failing to manage our finance.

The Golden rule, NEVER spend above your means, which includes loans credit cards, over spending on luxuries, cars, holidays, entertainment, drinking, smoking.

Evaluate you current spending habits, YOUR OBJECTIVE to clear all debts, have money in the bank, plan to make money and ensure a new future. Eliminate stress, worry, and depression. Freedom happiness and wealth is NOT just a dream. YOU CAN DO and YOU MUST DO IT. (Develop that mind set believe in yourself, do it for your family and for your well being and health).
We have set the scenario, now we take one-step at a time and make it happen.

Above all, you must be honest, with your personal assessments; you must also be realistic, DO not set impossible goals.

Step one make the commitment

You are about to take the most important step to clearing your debts and achieving personal wealth.

1. I am totally committed to following the advice in this manual, I will make changes in attitude and the way I manage my money, necessary to achieve my main objective build a debt free and wealthy future.

2. In order to plan your systematic recovery and transform debt into wealth we need to put our cards on the table, hide nothing, be honest and complete the following questionnaire.
Please complete the following questionnaire.

It will provide the status of your current financial position. (sorry in this format the table forms do not work, it is better if you are working with the correct forms/ tables ( read on once you are committed to giving it your best shot. you can go to our web page and see the FREE course complete with forms)

No Answer the following questions (Truth only) Yes or No YES NO

1 Do you carry you credit card balance over each month
2 Do you have more than three credit cards that on the upper limit
3 Do you ever use one credit card to pay debts or pay off other cards
4 Do you only pay the minimum payment on credit cards each month,
5 Have you reach your maxim limits on all your cards
6 Are you are struggling to even make the minimum payments
7 Do you have more than 10 years to pay on your mortgage
8 Do you have your car on a finance agreement
9 Have you taken out a second mortgage to pay off debts
10 Are you planning to buy a new car
11 Do you have personal loans, bank over drafts
12 Do you have store cards to purchase goods
13 Are you living beyond your means, struggling every month
14 Have you ever had your services turned off for non payment
15 Is the stress and worry causing health problems
16 Is the debt having an impact on your family relationships
17 Have you tried to find ways of earning more money
18 Are you under extreme pressure from your creditors
19 Are you considering bankruptcy
20 Are you in trouble with the bank or mortgage society

Now we face the decisive moment.

Total all the "YES" numbers

If you scored, 4-0

Not too much to worry about we can soon have you on the way the wealth and happiness.

If you scored, 8-5

You need to review your spending and focus on your options to make money.

If you scored, 13-9

You are managing to pay your way; you earn the money then have to pay it to your creditors (high interest). You need to concentrate on reducing your debts by controlling you excessive spending. Implement our debt payment scheme so you have spare money to invest, use you income and spare money to generate wealth.

If you scored, 17-14

You are on the ragged edge, struggling to pay your way, urgent action is required to stem to flow of outgoing money, consider every penny you spend do you really need to buy new clothes or have that expensive evening out. Focus on channeling the money saved to pay off debits, review the debts that are costing you high interest and pay them off. Once you see the benefits, your recovery will gain momentum.

IF you are 20-18

You are clearly deep in debt, you must be unhappy worried and stressed which will effect your well being and health.

We will help you get back on track, however it will take commitment by you and all the members of your family and you need to cut your spending. Put a plan into place to pay off the most pressing debts. NOW you need the WILL to implement the advice we will give you. (Think new future better life no worries or stress, security) Make this commitment get out of debt, to change your spending habits. This is the hard task. Do that and then you can look forward to a new future?

Learn from my mistakes:

Speaking from experience, I went to university attained a MBA you would think that I have developed the self-control to monitor my spending and invest my money wisely. NO! I did not I was spending more money than I was earning clothes, cars, holidays, living on my credit cards for a few years I had a high old life.

For nearly three years, I continue to impulse buy. Then I started robbing Peter to Pay Paul using one credit card to pay of another, transferring balances, taking out loans. WOW, I had spiraled deep into debt. Under pressure from all the creditors, could not sleep, each month all my salary already committed to creditors, outgoing much higher than my income.

OK it was my fault silly middle class girl who over spent. Why was I such a fool? Well we all want material things. We associate fast cars, designer clothes, with happiness. And fall into the trap of the media and the advertisers, to the offers of credit cards and loans.

I cannot recall any of my family or tutors teaching me the importance of being in control of financial affairs.

Now there are hundreds of ways in which we can fall into debt, I was a miss - guided fool. With many, it is bad luck, ill health, out of work, family problems. They wanted the best for their children.

The objective is to review the status, then formulate a plan transform debt into wealth.

1. Control Spending and credit management.
2. What to do with our salary (Money in / Money out)
3. Make changes, plan a new financial life.
4. Learn how to invest money, or develop a business.
5. Consider the future, pensions and retirement.

First, we will talk about the positive aspects of life and future. We all dream of winning the lottery, becoming millionaires over night. (It will not happen) The fact is if you do spend £10 per week on the lottery or the football pools. That is £520 pounds a year, invested weekly with compounding interest at 8% would provide you a substantial amount of money by the time you are 65 years old - depending on the number of years. On average for most people it would be well over £500,000.
Most of us will earn well over a million pounds in our life time, for example if you earn £30,000 for 40 years that is £1,200,000.

However, the sad fact is most people have no idea how to save or invest money, they give all they earn to banks, credit cards, loans, and high interest is hard-earned money lost forever. (Crazy but true).

If you are living on credit than you are giving away a high percentage of your money, money that, you could be investing and being paid interest.

STOP NOW- do not use credit to finance your lifestyle, no more loans no more credit cards. (You are going to be a cash only person) stop giving away you hard earn money, once you are clear of debt and turned the corner you can then re-focus on becoming wealth.

The facts are you have NO option you MUST clear your debts, if you fail the consequents are Foreclosure on your home, your car reclaimed by the HP Company, court orders, bankruptcy. (SORRY but that is the hard truth).

Nevertheless, that will NOT happen to you because you are going to implement the recovery plan that we will set out for you.

We now need to first motivate you, set key objectives and realistic goals.

We all have different life styles, often based on the salary we earn.

The rule the higher you fly the harder you fall. Applies:

If you live in a large expensive house, you will have much higher mortgage repayments. Top of the range BMW, you impress no one every one knows you are living on credit.
Therefore, before you try to impress with a new swimming pool or ponies and motor bikes for the children, stop and think can we afford to do this, would we be better to wait and pay cash. (Of course you would you know it makes sense).

If you are the average person, living in a three-bed semi, with a second hand car, and are a hourly paid worker, maybe in a factory or in the construction industry, the same philosophy applies. Yes it would be nice to impress your family and friends with a tan from a expensive holiday or a top of the range car, believe me they will only be impressed the first time they see it. You will be the one faced with 3 years of HP repayments, higher insurance, and the cost of fuel.

OK I know what you are thinking every one has a mortgage has credit cards and debits, Stop because you are having negative thoughts, NO it is not OK to be in debt, it complete madness and will never make you happy it will only bring you worry and stress..

Therefore, no matter what your station in life is the same principles will apply.

We are taking time to outline the reasons most of us find ourselves in debt, because if you can not accept there is a problem you cannot take the actions required to eliminate the problem (In this case debt).

We could show many examples of credit cards. They make it so easy, you always spend three times more than, if you were buying cash. Then the situation gets even worst, let us assume you have four credit cards, average interest 16.9% they have a combined outstanding balance of £5,200. If you only pay the minimum monthly payment = to 3% of the outstanding balance it will take you 20 years to pay those cards off and your payment would total £9,720 - work it out you have paid them £4,520 interest.

You know in your heart that you get a much better deal paying cash, often a lower price and you pay NO interest.

OK we never promised a magic over night formula, we did promise the plan that WILL take you from debt to being wealthy.

Key Objectives:

o STOP ---using credit NO loans or credit cards, now you are 100% cash. Think before you spend, do not buy until you have spare cash.
o This is NOT an option, if you are at present deep in debt, you will realized, the high life is over. You will be receiving legal letters. If you do not stop using credit, then you will reach a point where that decision will not be yours. Because once you are exceeding the limit on your cards and fail to make the payments, the credit card companies will put you on stop, and immediately inform the credit agencies. Then you are really in trouble, all the other loan companies credit cards will follow suit quickly. Your bank will also withdraw your over draft facility and monitor you account as high risk.
o Cut up those credit cards. Use only cash, and only when you have spare cash, you need every penny to pay off your debts. You must learn to live a cash based life style.
o Pay off ALL your debts including mortgage, ( we will tell you how to do that in the shortest possible time)
o Learn to invest ALL spare money wisely, your main objective will be to generate wealth,
o Phase 1 set aside money in your emergency saving fund.
o Phase 2 Focus on building long-term retirement wealth, we will guide you to save investment that will generate income without the need for you to work. (You will have financial freedom) Enjoy life travel, play golf, go fishing. Have fun been happy.
o Now in the first few years you are going to throttle back, drop out of the fast lane, no more living on credit and accumulating debts that will eventually bring you crashing down, maybe cost you every thing house, car, family. (That would be devastating)
o Work hard for real freedom and independence; soon you will be the one being in charge in complete control of your own destiny.
o Simple rules, cash only, no loans, no more monthly HP agreements.
o Your family and children will need to understand that from now on all spare money will go to pay off debts. ( Hard to say no to a tearful little girl who wants a new play station game) Still a lot better than telling a teenage daughter, we are going to lose the house because we have not paid the mortgage.
o OK this is not rocket science; it is just plain common sense. You can dream and it is important to have the vision that in 5 years you can be completely debt Free.

The plan:

Prioritize your debts, (we will provide the formula).

List All your creditors ( Debt is money you owe and are legally committed to repay) (Expenses = Money you pay out each month for Gas, Electricity, food, petrol, take items that you pay every year for example car insurance, and divide by 12).

First, clearly understand how much you actually owe, what rate of interest you are paying.
Complete the following work sheets designed to help you and your family to understand where the money going. Invite innovated think and ideas as to how you could save money.

(A) Monthly Living Expenses

Living Expenses Actually cost Saving

Rent
Council Charges
Electricity -
Gas
Telephone / internet
Water Rates
TV company ( Sky)
Food (total for every thing)
Entertainment.
Children Pocket money
Car expenses
Car 1 petrol (only)
Car 2 petrol (only)
Maintenance
Road fund Tax
Insurances
Home insurances
Medical Care
Children's Education Expenses Books Tuition etc
Clothing and Miscellaneous
Other expense

Total

(B) Major Purchases - over 12 months divided by 12

Holidays
Car purchase
Major House improvements
New Furniture
New Kitchen equipment
Garden plants tools
Gym or Golf club fees
Season tickets
Recreation expenses
Miscellaneous expenses
Cash spent ATM etc
Total C/f to summary

(C) Debt payments

Name of Debt Total

Balance Monthly Payment % interest Full amount or min

Mortgage
Second Mortgage
Car Loan 1
Car loan 2
Bank Loan
Over draft
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Other debts

Total C/f to Summary
(D) Monthly Income
Monthly take home salary
Second income
Benefits DHSS
Pensions
Part time job
Internet income

Total C/F to Summary

Totals carry forward

Personal Financial Statement - SUMMARY the points of reckoning, you now need to insert you figures.

E.g., total income - total Living expenses- total debt payments.

Which we hope will give you a positive result, e.g. more income than outgoings? Referred to as disposable income a true measure of your current capacity to decrease you debts and increase your wealth. Taking these initial steps should have provided you with the base information to empower you and your family to focus your efforts and give you the means to measure your progress.

It is important that you share this information with your family.

Depending on the result of Income (- outgoings) your objective will be to ensure that you have a minimum of 10% of your total income as disposable income, that is the money you are going to use to clear your debts in order of priority.

It will depend on your original check on status if you were in the 18-20 range then the figures may indicate that you have debts and expenses that exceed you present income.

If this is the case, you have NO option: You must cut your spending. All luxuries, none essential expenditure, holidays, two cars, smoking, drinking, golf club, gym, entertaining, clothes, furniture, children games, garden plants flowers. In place of golf the gym going to the pub, find spare time work earn more money.

If you DO NOT TAKE THESE ACTIONS NOW, you WILL lose your home, you will face bankruptcy. This is the hard line truth.

Total income
Total Living Expenses=
Debt Payments
D - Total of AB&C =
Disposable Income

Right now your head will be spinning, you were expecting an easy way out, there is no easy way out it takes total commitment.

We did warn you TOTAL commitment.
NO MORE CREDIT CARD spending
NO MORE LOANS
NO MORE impulse spending
NO MORE Holidays (Until you are clear of debt)

You are now on the road to recovery, you are going to transform you debt into wealth.
You first step was to create disposable income = Income minus outgoings.

Your starting point should be 10% your monthly gross income.

Write down each debt in the first column 1, total balance in column 2 the minimum payment in column 3, then you divide the total balance by the monthly payment, insert the answer in column 4.

Next, you need to prioritize your debts in column 5 Start with the lowest division answer in column 4 until they are numbered.

Column 6 that is where you start to see the benefit, to show the debts as they are cleared (Paid off).

To know how many payments to pay off: You divide column 2 by column 6 = the number of months in column 7.

First you use your disposable income to increase the payments on debt 1, what will quickly clear that debt, at which point you now have even more disposable money all off which you use to accelerate the payment of debt 2, as each debt is paid you roll it over to really accelerate the payment on the next debt. Once you pay all debts off, then you have ALL of the disposable income to invest. Now you have gone from debt to building wealth.

Invest wisely NEVER go back to credit cards or loans only live on a cash basis. Moreover, plan for retirement.

Name of Debt Total
Balance Monthly
payments Division
Answer Pay off

Priority Additional monthly payments Months to pay off

Column 2 = total debt £------------------------

Column 3 = Total Monthly payments £------------------------
We trust that you can see the philosophy, and the benefits of using ALL your disposable money E.G. Income minus outgoings to accelerate repayment of your debts, then the amazing acceleration that takes place as each debt is written off you have extra money to pay of the next debt ( In order of priority).

This is a WIN -WIN situation, once you see it actually working and no more creditors chasing for money, do not relax maintain total commitment this is not just about clearing your debts this is about a new life, (CASH ONLY).

In just a few years, you will be in a position to create wealth for you and your family. You will have taught your children how to manage money, never to worry about you future again.

Now you will really have the respect of your piers, friends and family. You will own every thing the house, cars. Take that five star holiday all paid up front CASH.

I wish you good fortune;

If you need further help or would like the Excel forms to monitor and record transactions FREE please do not hesitate to contact us.

Your Faithfully

Kenneth Yearsley