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If you are a homeowner, you know how important the real estate market has become to the financial well-being and security of you and your family. Your home may well be your biggest investment, and like any other investment, it needs to be managed and protected. Unfortunately, home repairs are often put off due to costs or the inability to find a good contractor. The same goes for home improvements. The addition of, say, a covered patio may be put off when it could add to the value and enjoyment of your home.

Don’t fall into the trap of neglecting home repairs and home improvements just because the real estate market is down. If you are selling, prospective buyers will be extra-critical and choose homes that are well-maintained and cared for. And in downtimes, attractive extras like sunrooms, decks, or pergolas are even more important when buyers have a large selection of homes to pick from.

Repainting a home is a great way to improve its appearance and give it what real estate agents call “curb appeal.” Exterior painting isn’t difficult and many homeowners do it themselves, but it can be a big and messy job. A good contractor can make things a lot easier by suggesting the proper paint for your home, showing various combinations of colors and carefully selected accent colors, preparing the exterior, and then do the painting quickly and competently. Expert preparation includes power-washing and may include repairing wood, Masonite or Hardie plank siding and trim. This will guard against paint blistering, peeling or flaking later.

Windows are another area of the home that’s often neglected. Most homes today have dual pane windows for extra insulation and sound proofing. Unfortunately, the seals on older dual pane windows are often leaky, resulting in condensation and residue between the panes. Leaking seals defeat the purpose of dual pane windows, and the glass becomes dull and ugly. Replacement windows quickly fix this problem. I held off doing mine because I feared it was a big, expensive construction job. Then I learned that windows can often be replaced without ripping out the frames, and found a good contractor who did the work. If you think of replacing windows, also inquire about shatterproof, tinted, tempered and colored glass.

If you have a covered patio or any other structure that attaches to your home, be sure to have a contractor check for dry rot, leaks, cracks and other damage. These things are usually easy to fix, but they can really add up to costly damage unless taken care of. Water leaks, especially, can lead to catastrophic damage. Cracks and holes may provide access for pests, so it’s better to tend to that quickly.

Taking care of one’s home is good business and a good investment. Whether it’s creating additional curb appeal with shiny new paint or an inviting covered patio if you intend to sell your home, or simply keeping your property in good condition so that you won’t incur needless repair costs later on, proactive home maintenance makes sense. Many homeowners shy away from those tasks due to costs and the challenge of finding a good, reliable contractor. Don’t give up – they are out there and you’ll be glad once you find a good one.

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Foreclosures are currently at an all time high and with the trend looking set to continue it offers an opportunity to get involved at a business level in the real estate market. There are two aspects of the market that you can realistically get involved in. The first option is the Short Sale Market, where a borrower has a mortgage that is worth more than the value of their property and need to sell to cut their losses. This market is mainly for investors and is extremely difficult to enter into unless you have some previous experience in the real estate or mortgage business. The second more appealing business option is Loss Mitigation. This is aimed at helping homeowners save their homes from foreclosure while still being able to stay in the property.

Loss Mitigation is a process where a third party will work with the homeowner and lender and negotiate a more affordable deal than the homeowner would be able to attain on their own. There are a couple of reasons why this service works so well. Firstly the negotiator works only on a professional basis and doesn’t let emotion cloud his judgment. He can concentrate wholly on the facts and figures and on that basis alone can achieve a better deal than the average homeowner would. The other reason is the knowledge and information they can provide of all the lenders various programs and rules which a normal homeowner just wouldn’t have.

There are some things worth considering if you are thinking about starting a Loss Mitigation as a business. You should form an affiliation with a company that can provide this type of service for your clients. In effect you’d be looking for something similar to an outsourcing company. Although Loss Mitigation is very rewarding it also carries a high burden of uncertainty as well as liability. By using an already established company that can provide a reliable, responsible level of service will be beneficial to you and your clients.

It will be beneficial firstly, because an established company will already have a network of connections to lenders in place. It will also have knowledge of the ever changing rules and programs each individual lender has to offer. In a fast changing marketplace this information is invaluable to you and your clients, especially when your business is still in its infancy. Remember you are working with clients who are facing foreclosure and are at risk of losing their homes. You would be taking on a huge responsibility if you did not have any prior knowledge or experience, so forming an association with an outsourcing company makes sense.

Credibility is also another reason for using an outsourcing company. Using a company that has been in the marketplace for a number of years and has a good reputation makes good business sense. Since the number of foreclosures increased dramatically a couple of years ago, many new companies sprung up to cash in on the surge in the market. You should carefully research the background of any company you intend to become involved with and choose one that’s been around prior to the upturn in the market in 2005. This should give you and your client’s piece of mind that you are dealing with a credible company.

You should also look for a company that has a history of getting the deals done in the best interest of the clients. Look for a company that has recorded testimonials from satisfied clients. It costs a lot more money to produce an audio testimonial than just a few written words on a website. While this is still no guarantee that the testimonials are indeed real, it does give more credibility to the testimonials as even false ones are very costly to produce.

You should also take into consideration the matter of liability. Not all companies work in the same way, so research this aspect thoroughly before committing to any association. Some companies may ask you to set up escrow or trust accounts, some may even ask you to set up an LCC. The reason for this is they will want you to collect client’s fees. If you wan to avoid having any liability then you want to find a company that will collect the fees directly from the client. You will also have to make sure the clients are signing contracts with the company as the main service provider. If you ensure these two points are being followed, then you will only be an independent contractor for that company and they will be liable as the contracted service provider if anything were to go wrong.

Other things to consider are the support structures the company has in place. Do they provide training? Will they provide the marketing and tools you may need to initially establish your business? Most credible companies will have all these support structures in place. To get you started a legitimate company will charge you a fee of around $1500-$3500, a fee well worth paying if you get the right company for you and your clients.

Let’s go over once more all the points we’ve covered so far if you’re thinking about a career in Loss Mitigation. You will need to find an outsourcing company that will provide a quality service at an affordable price for your clients. The company should provide you with training, and support and services for both you and your clients. They should take care of all the contracts, handle the appropriate paperwork and collect all fees. They should also have a proven track record in the business. These are all important features to look out for as they will be beneficial in helping you in your new business as well as helping your clients.

This can be a very profitable business, but you should research the options available to you thoroughly before making any decisions. Doing so will be in your best interest and will also benefit the families you are helping.

I have researched many of the companies that are out there offering Loss Mitigation services and the only one I have so far found that meets all the requirements outlined in this article is Freedom Foreclosure Prevention Services. You can learn more about this vibrant, expanding company at their corporate website ffpswebinar dot biz.

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If you’re planning to renovate your kitchen, buying new appliances is a proverbial piece of cake. Painting? A no-brainer. But replacing your countertops may give you pause – especially if you’re looking to upgrade to Corian style counters. Traditionally, manufacturers and distributors have held the reins on Corian style counters, insisting on professional installation that can cost up to $80 per square foot. Now, however, Corian style counters – known more generically as solid surface counters or solid surface kitchen tops – are available in relatively easy do-it-yourself kits.

Why Corian Style Counters?

Corian solid surface counters have a number of advantages. First, they last seemingly forever. Second, Corian counters are solid surface sheets, meaning that the Corian colors go all the way through. Plastic laminate countertops, by contrast, have only one layer of color, so the surface can be permanently marred by knife cuts, lose color in areas of heavy use, and sometimes even peel back. If a solid surface counter becomes marred, you can just sand it down and retain the beauty of the material. Third, Corian style counters are more forgiving than tile when it comes to breakage. If you drop a dish on a Corian solid surface, the dish is not as likely to break and you don’t have to worry about the tile chipping.

Taking the Plunge

If you are a seasoned do-it-yourselfer, you shouldn’t run into many problems installing a solid surface counter. Plus, you’ll be astounded at the cost savings. Corian pricing can be as much as $80 per square foot, while do-it-yourself solid surface counters are about half that. While the actual installation process might not be daunting, it’s crucial that you correctly calculate the length of the Corian style counters you’ll need. The company that ships your materials to you will need precise measurements.

Measuring For Materials

Most kitchens are either straight tops or include joining two tops at a 90-degree corner. They typically include a glued 1-1/2 inch front edge and a 3-1/2 inch backsplash that is applied later. To determine the amount of solid surface counter you need, measure the length of your existing countertops. For standard depth countertops, you add up the lengths and divide by 12. This will give you the amount of lineal feet you will need to order. So, for example, if you have two 96-inch countertops, you would add 96 and 96, and then divide by 12. In this example, you would need 16 lineal feet of countertop.

New Corian style counters will give your kitchen a fresh look, and will last seemingly forever. If you’re handy with woodworking, you shouldn’t have a problem installing Corian style counters yourself. So take the plunge and spruce up your kitchen!

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Unless you are independently wealthy or have a very successful spouse then every parent must face an important decision — whether to work outside the home or to work from home.

Many people choose the traditional option of working outside the homeand find themselves spending far too much time away from their children as well as trying to juggle daycare and health issues while still trying to get ahead in their chosen profession.

Other parents choose the less traditional path of working from home. While they are not subject to problems with daycare or a child’s illness, they do struggle with a different sort of problem balancing home and work time.

Any parent who has attempted to focus on a task while also taking care of children knows how challenging it can be. For many work from home parents that challenge is a part of their every day life.

So how do work from home parents find the right balance that allows them to be productive workers while also being good primary caregivers?

The first thing you need to do is work out a priority list for the tasks you want to accomplish for the week. It is better to plan conservatively for a week because sometimes unexpected events can derail a day here and there in even the best run homes.

Now go back over the list and highlight the items that need your full concentration. For example, something you cannot do while reassembling a transformer.

Your next step will be working out two schedules. The first will cover your child’s day. I don’t mean that you need to plan out every minute but perhaps give a general outline in half hour chunks. Try to strike a balance between activities that involve high-level parenting and low-level parenting.

For example, when my son first wakes up he isn’t hungry and he doesn’t really want much from me. He is content to watch a little TV as he fully wakes up. This is a time of low-level parenting as I am nearby but as he doesn’t require much from me then I am free to work.

After he is fully awake we switch into high-parenting mode. He wants to be fed and he is ready to play. At this point I usually spend time interacting with him, perhaps helping him set up art supplies or designing his train set.

Once he is fully engaged in his activity I then have a small window of time to focus on my own projects. He is well able to entertain himself but likes to share his games and art projects with me so while I can work I certainly cannot get anything done that requires a high level of concentration.

Then it is time for high-level parenting again as we prepare lunch and then spend some time reading. When my son was younger this would then lead to a nap and I could have an hour or two of prime work time. However now he rarely naps. For a while we struggled with this newly opened slot but I decided he really needed some down time, we needed a little time apart, and I needed time to get some serious work done. Our new plan involves him spending a quiet hour in his room. I put in a CD (preferably one at least 60 minutes long) and he can entertain himself quietly as he chooses within his room. He can read or play but he must be quiet. Some days he does end up taking a nap and other days we just enjoy a little break from each other.

After this break I switch back into high-level parenting mode again. We will play a game, go for a walk, or visit the park. In the summer this is the time we go to the community pool. My son understands that this time is his reward for letting me get some work done earlier in the day and this is my way of letting him know that he is important to me.

Some evenings I will get some more time to work after we’ve had some family time. My husband will spend some one-on-one time with our son and take care of bath and other bedtime preparations. Usually I’m done in time to take care of the tuck-in and bedtime story.

On the weekends my husband will usually arrange several hours on either Saturday or Sunday when he is primarily responsible for child care so I can also get some work done.

In this way I manage to operate a profitable internet business while also serving as the primary caregiver for my preschool son. I do not work the equivalent of a 40-hour work week but concentrating on accomplishing small tasks throughout the day I manage to meet all my priorities and then some.

I want to also share a few additional tips about balancing your work and your family at home.

~ Teach your child to be independent. My son can dress himself and even prepare his own snacks. He may not be wearing the clothes I would have chosen but then he did save me time and who else will see him wearing that odd ensemble? I make fruit, water bottles, juice boxes, cheese, and crackers easily available to him so when he is hungry he can serve himself (although he may bring me a juice box to insert the straw or a package to open). I don’t worry about what he is eating and he knows the rules about crumbs and messes. My office is adjacent to the kitchen so I can observe and intervene if necessary.

~ Teach your child to be responsible. Put your child in charge of picking up their toys and putting them away. Not only will this make your life easier later when you need to take care of household chores but it can buy you some time to get work done.

~ Set up a play date. I have learned that play dates are a win-win for me as a work-at-home parent. It is actually easier to keep two four-year-olds entertained as they tend to entertain each other and when it is time to reciprocate I get hours of free time to concentrate on my work.

~ Check out community activities. Does your library offer a story hour for children? This offers me the opportunity to do some research in the library, make notes for upcoming projects, or even log onto the internet. My son loves visiting the library and we usually go one other day of the week and he will play, work on puzzles, and look at books while I can get some work done nearby. Similarly I can take my laptop or a notebook to the park while he plays on the playground. I’ve even learned to get work done at the local McDonald’s playland.

Finally, you and your family will need to learn patience and understanding. You need to understand that your work will have to get accomplished in small chunks. Your child needs to learn that while he or she is your top priority that doesn’t mean their sudden need for juice takes precedence over all else. Your entire family needs to learn that housework comes third on the list of priorities and that if the whole family contributed to the mess then the whole family can contribute to the cleanup.

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It’s a difficult ride if you want to work from home and yet, the most important people in your life are against the work at home concept. It’s a dream to you but it can be a nightmare for people who care for you. The whole idea of not having a stable income makes them worry about you, so, don’t blame them. For all you know, you’re terribly confident that your plan will work and you know you can commit to your new work at home business…you know that but THEY don’t.

The first step you will need to take to help your family members accept your work at home decision is to understand how they feel. I know, I know, this is a time when you want others to understand you and accept your decision. You’re tired of working for someone else and want to have the freedom of spending time with your family and friends, instead of lounging around in the office day in and day out. And here I am, telling you that you should understand the very people who are opposing you?

This is not a secret but think of it like some kind of a psychological plan. ever heard of the term ‘reverse psychology’? Ok, you’re required to use this and let me tell you this…it works like a charm! If you do this right, you will convince your family members that working at home is the best option for you.

Say things like, ‘I know you care for me, love me and want what is best for me….’, ‘I understand what you’re saying…’, or ‘You’re absolutely right in saying that, I can’t say you’re wrong’. When you’re talking to them in a non-attack way, they will back down and bring down their fences. This is an amazing way to help your family members accept your work-at-home decision. It’s true, my own family members were not to keen on me wasting my law degree to start a work at home business either ? to them, I am wasting my degree, wasting my talents and wasting my energy. And they don’t want to see me suffer, be disappointed and face financial problems. Being parents, they want what is best for me and in their eyes, working at home is NOT the best moneymaking opportunity. Over the years, I have finally opened my parents’ eyes to the working at home concept. They finally accepted it that I communicate with clients from all over the world and that I am being paid for the work that I do and that my income is comfortable.

As for the spouse, this is a little bit trickier. You see, in 2-income families, if one person wants to start working from home, the other spouse would have to be prepared to give up more of his or her income to cover for the stuff that is supposed to be covered by the now-working-at-home spouse. At least during the first few months of the business, that is. I mean, for 3 to 6 months after working from home, you’ll have to expect to dig into your savings or the spouse would have to cover for expenses, so, naturally, he or she would be a little bit disgruntled with the fact. They’re not being selfish ? they’re trying to deal with you breaking out of the comfort zone. Everyone, including you, hates that. So, don’t expect your spouse to welcome the idea of working from home with wide open arms. There’s bound to be some skepticism.

And skepticism from your loved ones is good too because it will keep you on your toes and you’re feet remains firmly planted on the ground. So, the best thing to do with your spouse is to discuss the idea with him or her, sit down and plan the finances. For example, dig into your savings to cover for contribution to expenses, working part-time, telecommuting, cut down on expenses, selling the extra car, remortgaging, etc. Find a way and a plan to ease the discomfort for your spouse. Make sure he or she has nothing to complain about your working at home decision. It’s incredibly difficult to accept, trust me, if you’re not the one who wants to work from home. If you’re on the other side of the fence, everything looks so bleak and uncertain.

Break through their barrier not with force, but with gentle compromising and understanding. Then, you’ll get their full support for your work at home business.

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July 19, 2007 —With so many new cell phone models coming out each month it is hard to find all the accessories that you need once you have obtained that dream cell phone of yours. The most important accessory that you will need is a charger to keep that battery full so you can talk, play games, text message, watch clips, or connect to the internet.

To find the right chargers is not easy, but http://www.101cells.com has the complete list of chargers for each new cellular model. http://www.101cells.com has a variety of charger ranging from the original chargers made by Samsung, Motorola, Kyocera, Nokia, Siemens, Nextel, Sanyo, LG, Sony Ericsson, and Audiovox. The site also carries the less expensive version of the charges that provides the same kind of function and durability.

Some new models that there are new chargers for are: Samsung m300 Nokia N 95 Nokia 5300 Xpress Sony Ericsson K790a LG VX9900 LG CU500 X9900 Nokia N80 LG KE850 Blackberry 8300

If you need a battery to accompany the charger that you need, http://www.101cells.com has that too. There is a complete inventory of cell phone batteries available on the site for all the new cellular models as well as the older models. http://www.101cells.com offers you all that you need in one convenient place.

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When it comes to contemporary fine art, everyone’s taste is individual. For me, the bottom line is that art enhances the quality of my life, and I want to incorporate art into my surroundings in a way that makes me feel good. While one’s artistic leanings can range from hand painted silks or hand painted children’s furniture to original watercolors or Giclee reproductions, the desire to incorporate art into our lives dates back to our ancient ancestors.

Over the years, I’ve learned that incorporating art into my home is less a matter of what’s considered “in” by the art world, and more a matter of what evokes the moods and feelings I want to experience. When I contemplated redecorating my living room, for example, I decided that I needed to open up the space in order to feel lightness – as though the weight of the world was off of my shoulders when I walked into my home. For that reason, I chose to paint the room a bright buttery yellow and use window treatments that reminded me of the sails on a sailboat. Naturally, I sought out original watercolors to contribute to the feeling of openness and freedom in the room. The result? A room that still makes me smile every time I walk in it, and contemporary fine art that allows me to lose myself in the images.

I wanted my bedroom, on the other hand, to be an intimate place of respite. I wanted it to be feminine yet functional, and so chose to incorporate hand painted silks into the decor. The delicate silk scarves that adorn the dressing tables are a gorgeous contrast to the finely crafted baskets that I display and use as small storage spaces.

My home office is all about function, and so I chose to display a collection of black and white photographs in that space. The photographs add depth and feeling to the room, while being subdued enough so as not to be distracting.

When I walk into my daughter’s bedroom, my eye is immediately drawn to the children’s hand-painted furniture that occupies the room. Yes, it was an investment, but I know that the quality craftsmanship and exquisite painting will be in our family for generations to come. My daughter already appreciates the one-of-a-kind furniture that she has, and has told me that she feels good when she’s in her room.

And, after all, isn’t art meant to evoke an emotional response in us? Whether it’s the awe of witnessing the depth and complexity of a work from an Old Master or a feeling of relaxation when experiencing original watercolors that depict fresh flowers, art serves to enrich our lives and bring us joy. It’s not a matter of following the trends of the art world; rather, it all comes down to how you feel when you bring contemporary fine art – or any other type of art – into the space you call home.

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If you prefer to start a home business working as a representative for an existing company, there are plenty out there to choose from. There are things you should think about beforehand, however. Too many people make the mistake of jumping into the first opportunity they see. Do your homework before signing on the dotted line! Here are some things to consider about your prospective opportunity:

Are you passionate about the products/services? – Be honest with yourself on this, it’s the most important question. Don’t sign up with a company because others are doing well with them, or because your neighbor says it’s the wave of the future. Can you really get excited about what you’re selling? If yes, you will have a much better shot at success.

Is the company legitimate? – How long have they been in business? Are they a member of the Better Business Bureau or the Direct Selling Association? This doesn’t necessarily guarantee the company is “good”, but it’s a good starting place. Also do a search for the company name along with the word “scam.” Do a lot of complaints come up? Most companies will probably have a few, but if there are many, you might want to think twice.

Start-up Cost – How much does it cost to become a representative, and what is included in your start-up kit? Most business opportunities have a start-up cost that can range from a few dollars up to hundreds of dollars. However, you should actually receive something for this money being spent.

Product or Service – Is there an actual product or service being sold to customers? If there is no product or service, run far, far away! That is called a pyramid scheme, and it is illegal.

Training – Do you receive any training and support from the company? Ask how this training is presented. Is it online training? Telephone conference calls? One on one mentoring? Audio files? Printed booklets? Make sure you clearly understand what support and training materials will be provided for you.

Ongoing Costs – Are there any ongoing costs to running your business with this company? Some companies require that you purchase a certain amount of products each month, or they charge monthly webhosting fees or administrative fees.

Marketing Materials – Will you need to purchase your own marketing materials like brochures, catalogs, order forms, business cards, advertising or prospecting leads? Find out if the company offers any of these to you for free, or if they have low cost alternatives.

Quotas – Will you have any sales quotas you need to meet each month or year? Any other requirements you must meet to keep your business active?

Online or Off – Would you prefer to run your business mostly online, or off? Would you enjoy doing home parties? Some companies offer the option of both, and some do not. Find out exactly how you will need to run your business and make sure it’s something you won’t mind doing.

Website – Does the company give you a free website, or one that you pay for? Can you sign up customers and representatives at the website, or do you have to do it manually by phone or fax? Some websites are given for marketing and lead generation purposes, but you still have to sign up the prospects yourself. Others have more automated systems set up.

Product Delivery – Who delivers the products your customers order? Does the company ship them out for you, or will you have to do that?

Realistic income – What can you expect to earn, and how is the bulk of your income earned? Do you need to recruit other representatives in order to earn? Or can you sell product to earn a commission. Some companies offer both options. Don’t fall for the hyped-up ads that claim you can earn $20,000 in a month. It may be possible, but be clear on exactly what would be required of you to earn that much money. Will you need to recruit a certain number of representatives per month, or sell a certain amount of products per month? Are you willing to do that?

When you finally choose a company to partner with, be prepared to work hard and be committed. So many ads out there make it sound so easy — you just sign up and the money starts rolling in. Nothing could be further from the truth. You will need to show up each day and do the work, just like a job. You will need to stretch yourself outside your comfort zones and work on improving yourself, personally and professionally.

The good news is that YOU are responsible for your own success. There are no limits if you truly believe in yourself and the company you represent.

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I have been involved in many mlm and direct sales companies over the span of my 9 year career. It has given me vast insight into the industry. Also, I have learned more about myself and the secret key ingredients to success that so few people learn and even fewer apply.

My experiences have been my greatest teacher though all were preceded by learning from someone already successful at what I currently wanted to do. I hate the idea of “making my own mistakes” when I could just as easily learn from someone else’s. Even still, there have been many spectacular failures along with the successes.

Sometimes you will be ready to receive success, other times you won’t. There may still be a lesson you must learn to be worthy of the success you seek.

The Laundry List of Companies in my past:
-Equinox International (health supplies)
-Amway (roped into a meeting at Denny’s only)
-Excel Communications (phone services)
-Quest International (financial training)
-EXE Series (internet marketing explained)
-Networth USA (real estate training)
-Direct Matches (business networking)

It may seem like I jump from company to company and in hindsight I did. Also, my powers of perception were weak enough to make me susceptible to some scams (12 daily pro being the most glaring). But I regret none of it because you have to be open or nothing happens in your life.

So, over the 9 years of blood, sweat and tears what have I learned you ask? Too many things to tell you in this short article but I will give you the keys so you can avoid my mistakes.

1. Do some due diligence. Don’t beat a dead horse so you never have to make a decision. But search “company name scam” or “company name reviews” in your favorite engine. If 1 or 2 bad things or even a few hundred no big deal. If millions, watch out. Also, talk to others already in the company to get there take.

Immediately read the policies and procedures of those companies you are interested in. You want to see if there are any red flags (ongoing recruiting, minimum 4 sales per month, etc.) that can allow the company to steal the check you’ve built. Then make the best decision for you based on the info you have.

Once you decide (quickly but not without relevant info) stand fast to it, resolve never to quit, and GET INTO ACTION.

2. Find a mentor. Go as high up your upline as you need to in locating someone who is achieving the success you desire. This has been my largest realization though it seems obvious. Then make sure to follow AND apply their advice.

3. Find a mastermind group. This can be as easy as getting on your company or team’s training calls. Every good company should provide written, audio, and video training. Or find a couple of people above your level of achievement to exchange ideas with. In person is best, but teleconference will do. Put the ideas into action immediately.

4. Map out where you want to be in 6 months and 1 year from today. As humans our brains are goal-seeking units. Give yourself a target to aim for so you’ll at least know you hit or missed and what to do from there. Be specific with money goals, size of your team, number of leaders you will develop, and skills you will learn.

5. Break down the global list into small, consistent action steps you will take everyday. This will keep you focused (my past nemesis to success) and allow you to know and see how you are going to accomplish them. Huge goals are beyond our understanding and never get done. Many small, simple steps added up allow us to reach those big goals.

6. Have a basic understanding of your compensation plan. You don’t have to know every detail but enough to know what pays you. Different comp plans are better suited to different personality types. Type in “4 personality types” in your favorite search for more info on what you are and the comp plan that best allows your success.

7. Now that you know what activities pay you, suck out those that don’t and spend a higher percentage of your time on those that do. Successful people I have seen spend 80-90% of their WORKING time (play is also important) on money retrieving activity.

8. Know that setbacks will come. The universe will send you tests and challenges. Weather them, stay in the game and focused on your goals, and ride them out.

9. Review and revise along the way. Go to the end of your goals and work backward to figure out what must happen to achieve them. At the end of each month look at what happened and adjust your actions if you are not achieving your written goals.

10. Enjoy the journey and commit to learning along the way. That is what being a leader is all about. Lead from the front and by example and have fun while doing it. You will meet great people along the way so combine high tech with high touch.

These are the main things experience has taught me. You must have some kind of marketing system that generates leads for you. The big boys in the industry use the internet so do what they do.

Remember, you are building your cash flow long-term so don’t think it’s a sprint. Resolve to have a marathoner’s spirit.

The greatest thing about home businesses is that you put out tremendous effort today and the rewards come back to you over and over and over again. There are some scams but the industry is strong and if you ever want financial independence this is the cheapest, best, easiest way to do it.

Traditional businesses and franchises cost hundreds of thousands to start. Most home businesses are less than $1000 to start.

So get up off your butt and start taking the action that will allow you to achieve all the dreams you have for your life. Become your own personal genie and grant yourself unlimited wishes.

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My name is Kasey Hammond and I am writing to celebrate my success in finding the perfect career for me.

I was killing myself over a job in which I was giving everything I had. As a Spanish major, I didn’t have very much business savvy and was eager to get into the market. This company was eager to hire me as I spoke fluent Spanish and they were looking to launch into the Mexican market.

After two and a half years, I did make it to one of the higher positions in the company but there was no where else to go & I was tired of working away for my rich boss and giving him all of my time and energy.

As I became disenchanted, I made of list of things I liked about my job… and the things I hated. I quickly realized that I was a servant to my job and hated it!

IT WAS TIME TO MAKE A DECISION!

While I didn’t like everyone I worked with (I am sure you can relate), I realized I have patience and a willingness to help people and want them to succeed. During this “soul searching” of mine, a close friend happened to tell me about the tutoring business and how she was working part time for a company. And the best part was she was making more money per hour than me and worked whenever she wanted to!

It was as if someone turned a light on for me! I realized I could be a tutor!

Being a tutor had all the benefits that I was looking for… and of course the great money making potential.

Now I don’t work 50 hours a week and come home exhausted, grumpy & still carrying around the grief from the current office b.s! Instead I come home energized and with the fulfillment that I have made a difference for someone.

Not only do I view my customers as clients but they are truly friends. I love getting emails or Christmas cards from past students or parents who are just checking in to say hi and give me an update on them.

But unfortunately, it wasn’t always this easy. I made several mistakes early on that still make me cringe!

It took me awhile, but I now have my business on auto-pilot and enjoy having clients begging me to be on my waiting list and happily paying my premium rates to work with their children.

Tutoring is a career that allows you to design your day around YOUR schedule and work however long or short as you want each day! (This is great when I have to run errands or be there for my family when they need me!)

I decided to publish an E-book detailing how to start your own tutoring business. I wish I had had this when I was starting my own business! It would have saved me some money and some grief!

My ebook gives you the secret to getting paid UPFRONT for multiple sessions before you even spend one minute actually working! (Your clients will be happy to write you a check for $300, $400, even up to $500 before you even get started!)

? The little known trick to getting teachers to refer all their struggling students to you directly! (This is a little sneaky but works incredibly well!)

? How to stay super busy in the so called slow summer months and actually make more than the busy school months. (This is optional only if you want… or vacation and take your summers off!)

? The #1 blunder new tutors make ?- turns clients off like crazy ?- and how to avoid it.

? How to market your services online with your own website and have clients calling you to get started! (You’ll love getting phone calls with people ready to send you a check!)

? Works with any subject – Even the less popular subjects… it doesn’t matter! My system puts money in your pocket whether you’re tutoring students who need help with Spanish, History, Chemistry, Math, German, or any other subject!

? 2 Ways to find your first tutoring student even when you don’t know anybody.

I made this easy for anyone to use. Once you understand how to use the same tutoring system and techniques that I use, you’ll realize that you don’t need any more special skills besides your specialized knowledge to get amazing results.

Tutoring is a wonderful career for so many people. It allows so much flexibility and the ability to make an hourly rate that truly equals what you are worth. You choose where you want to work, you determine your availability, the people you want to work with., your hourly rate and you choose the subject you want to teach! The time is right for you to reach out and start your own tutoring business and make a difference in someone’s life.

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