How To Make A Billion Dollar Company

Recently I have been looking at some of the worlds most success billionaires such as Bill Gates, Richard Branson and Steve Jobs. Although only being 21 years old, I often feel like I’m not achieving as much as I really can, I look at other people who at my age are so much further ahead – sure in some respects I had to come further as I didn’t give a thought in the world to my education till a year after I had done my exams.

Look at Google, we use it because it gives us the results we are looking for quicker than any other search engine, the same applies to Facebook, we use it as it’s the most user friendly and has all our friends in one place. These are prime examples of businesses that just do it better than anyone else, and that is what you have got to do. Whether you are selling online toiletries or you are starting your own social network, it doesn’t matter, what does matter is that the business you own or run is working at full capacity with everything done the absolute best it can be done. Just try your hardest.

No one has ever become a billionaire by targeting a small market, all the top companies have mass appeal such as Microsoft who’s aim is to have a computer in every house hold. Having said this, I do believe the best way to approach going to a mass market is starting small and being known for doing one thing great, like Zappos did. They sold only shoes when they started and once they became the worlds leader at selling shoes online, they branched out and started selling clothing and then later a whole lot of other things – that company later sold for $1,300,000,000!

Bill Gates wouldn’t go on Twitter and bitch about how his iPhone is broken or how one of his employees is an idiot, that would be a complete waste of time. Doing some quick maths I worked out that while working for Microsoft he would of made around $630,000 a hour so if he was to spend so much time like us just complaining and giving excuses then he would be a lot poorer. Time is money, it’s a phrase thrown around a lot but it is seriously true, think of it this way, how much do you think you are worth? $5 per hour? $10 dollars? How about $100 per hour and more? Are you really doing as much work as you think you are? Or more importantly are you using your time to do those things as best you can?

The internet has made it easy for some us to work only a small amount of time a day and still be able to make more than enough to support ourselves (take me for example) – however if you want to be a billionaire, you need to work really hard, that means late nights, grafting all the time and no submission. You have really got to work at it around the clock whether you are part of a team or you are the team, the only way to become successful is to do things, and take action, how can you become successful if you are not prepared to work hard? Another thing is to believe in yourself because you will get many doubters and that’s okay, they are entitled to their opinion, you just need to work like crazy to become successful and to basically prove the doubters wrong.

Profit margins are something of a daunting area to get involved in, but basically the more the margin in profit the more money these billionaires make, which is why it is essential for them to have the best marketing and advertising campaign, the best quality in products and the best branding they can achieve because this all helps the sales. Imagine if Apple had just had a small advertising campaign and they had poor quality control issues, the profits would be non-existent, however because of the sheer volume of sales for Apple products (on most levels) and the high quality of the product, the money made is very substantial, however because they are a big company they can leverage getting the best deal for their raw materials and this means high profits.

Sticking with the above example the larger the company is the more weight they can put behind them to get the best deals for their products and services, smaller businesses do use this method too, although it is usually on a lot smaller scale and usually depends on them buying a minimum amount of materials. The more bulk materials you buy the more items can be made for a lot less, the more items that are made for little the higher the profit margin, and the higher the profit margin, the deeper their pockets become. This isn’t to say that you too cannot get in on this technique you just need to build rapport with your supplier and use as much leverage as you can, whether that leverage is the length of time you have been a valued customer, how many people you send to them or whatever else you can think of.

Bill Gates, Richard Branson, Larry Page, Mark Zuckerberg and Henry Ford all have two things in common, they all dropped out of college, and they all became successful. In fact they become amongst the most successful people in the world and how did they manage it? They took risks, imagine where the world would be now if Bill Gates hadn’t started up his own software business? What would the world be like now if Henry Ford hadn’t built some of the first drivable vehicles in the world? What about if Richard Branson hadn’t started his own record label early in his career? The world would be a much less interesting place to be I think. The point is that they all took risks, and a couple of them still are taking risks. It’s like the SAS motto reads “He who dares, wins.” This saying is very true, do nothing, there will be nothing, no results, no money nothing. Try your hardest, and take some risks and you could see yourself end up successful.

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7 Reasons Why Google AdSense Rocks

I

f you ask bloggers and webmasters what they think about Google AdSense, you’ll probably hear all sorts of answers. Some love it, some think it’s OK, and some hate it because they can’t seem to be able to make any money with it. I fall in the first group.

AdSense certainly is not suitable for all types of sites, and there are other monetization strategies that can be more profitable in some situations (e.g., selling your own products). That being said, and as far as monetizing your site with ads goes, I think AdSense is the best advertising network on the Internet. Here’s why:

1. It’s Easy to Setup and Get Started

Most ad networks require a minimum traffic level before you can join, and the application and setup process can be a pain.

AdSense, on the other hand, can be used even on small websites, and it has very few restrictions regarding where you can use it.

2. Huge Number of Advertisers

AdSense is by far the advertising network with the largest amount of advertisers. This means that you’ll get your units filled with ads pretty much every single time a visitor comes to your site.

On many other ad networks this is not true, and your earnings tend to get negatively affected.

3. Ads Are Really Targeted

Most advertising networks claim to only display ads that will match the content of your site, but few actually do it.

This is connected with the previous point. In order to be able to display targeted ads the network must have a huge collection of ads to choose from, and most networks don’t have it.

4. You Can Monetize Global Traffic

Another problem with most ad networks is that they tend to focus on US traffic. Some will pay pennies for impressions coming from outside the US, and others will not pay at all. If 50% or more of your traffic comes from other countries, you can guess that you’ll be losing money.

It’s true that on Google AdSense you also have some advertisers targeting US traffic exclusively, but there just as many targeting visitors from other countries and parts of the world.

5. The Earnings Are Pretty Good

I have seen ad networks that occasionally offered very high eCPMs (i.e., how much you actually earn for each page view on your site) but on average AdSense tends to beat most networks.

Another advatange is that AdSense earnings tend to be consistent all over the year (and over the years), while the rates you’ll get from CPM networks vary both with the season and with the overall economic climate.

6. The Ads Blend Well

Some people don’t like text links, but I think they are actually less intrusive than flashy banner ads, and it’s possible to integrate them with the design of your website without making it look ugly.

Some time ago AdSense started working with banner and video ads as well, but most of the ones you see around look very professional too.

7. Payments Are Always on Time

I had my share of problems trying to receive the money ad networks owed me. Sometimes they would pay 30 or 60 days late, other times they would pay only half of the money I was supposed to receive.

With Google AdSense I never had a problem in this regard. The payment is always sent directly to my bank account at the end of every month, and the amount is always accurate.

Over to the Readers

What is your relationship with Google AdSense? Do you love it? Hate it? Explain why with a comment below.

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Best Buying Alternative Opportunities of the Year

How to Cash In on the Best Currency Plays Selling at Extreme Discounts

Its been a wild year so far. We have seen civil wars in the Middle East some of the largest earthquakes ever in Japan and New Zealand tsunamis, nuclear reactors blowing up oil prices above $100 a barrel nervous central bankers cutting and hiking rates

And now a coordinated intervention to drag down the Japanese yen on March 18th. Whew! Usually you dont see that much drama in a whole year let alone a few months. The upside of all this is the U.S. dollar is about to rally.

A strong dollar means a short-term pull back in some of the best fundamental currencies in our portfolio.

In other words, the momentarily strong dollar will give us the best opportunities of the year to buy foreign currencies on the cheap! Some of the most solid fundamental countries on the planet will sell at extreme discounts. These plays will reap the benefits from the strong dollar and pay dividends along the way.

This month, were taking an in-depth look at our portfolio to make sure none of us miss out on any of these opportunities.

Already in the Best Place to Profit from $100 Oil & $1,400 Gold

Best Buy: If theres one play I love the most in our portfolio right now its the Currency-Shares Canadian dollar fund (FXC). The Canadian dollar is an easy way to profit off rising oil prices, because Canada depends heavily on its oil exports.

More importantly, Canada is half a world way from the civil war in the Middle East, so Canadas oil resources wont be interrupted like in the Middle East. With the situation in Libya intensifying with each passing day, it will take months if not a year for the Middle East to start exporting oil like usual.

That will boost oil profits for Canada. When that happens, our Canadian dollar ETF (FXC) will also power ahead. Im rating this play a buy.

Best Buy: Then theres our South African Rand CD another great anti-dollar play. South Africa is the worlds third largest gold producer, so the rand tends to rise and fall with gold. (As you can imagine, $1,400 gold is helping the rand.)

Even better, this CD pays a high APY interest of 3.68%. Thats about six times what a bank account pays now. Since the rand tracks gold, its like holding gold with interest. Now its possible the rand may pull back this year, but I still recommend buying this play for the long-term, and collecting the interest in the meantime.

Best Buy: Then theres our Brazilian Real CD. This CD is one of our long-term favorite plays because it shells out over 6% in interest each year.

Personally, Id rather own Brazilian real for the long-term, and earn interest thats 10 times higher than your average money market account. The global chaos may force the real to pull back slightly. So if you havent invested yet, Id say use this opportunity.

Market Chaos = Profits for Our Short Plays

Best Buy: As you know, weve been bearish on the Japanese yen for a while now. The coordinated intervention is finally putting a ceiling on the yen. That will benefit our ProShares UltraShort Yen ETF (YCS). In fact, it puts us on the side of all the central bankers who are pushing the yen lower.

Best Buy: The euro is about to suffer a major correction. Right now, Moodys, Standard & Poors, and Fitch all take turns downgrading the credit ratings on the most troubled E.U. nations. All these downgrades force the PIIGS to shell out more money to finance their bonds, which they already cant afford.

Things are about to get worse. High-priced oil will only further drag down the Eurozones anemic GDP (which is at 0.3% currently). Also, soon the Eurozone will have to raise rates to fight inflation. While that could boost the currency briefly, it will also compound further problems for the PIIGS.

Add it all up and its an ugly situation for the Eurozone. It will end up ultimately pushing the euro lower. That will cause our ProShares Ultra- Short Euro ETF (EUO) to rally. Im rating it a buy this month especially since we see a dollar rally coming soon.

Hold: Then theres our anti-treasuries play, the ProShares UltraShort 20+ Year Treasury ETF (TBT). A recent report showed that China trimmed their treasury holdings by over $5 billion, also Hong Kong cut back their holdings by over $6 billion.

More and more countries are starting to second-guess holding our debt, and that just spells good times ahead for our short on U.S. Treasuries. Continue to hold for now.

Hold: While were talking about debt, we should mention our Wisdom Tree Emerging Market Local Debt Fund ETF (ELD). I believe this fund has finally turned a corner and will benefit as more investors turn to the emerging markets and away from ailing treasuries. Hold for now.

Best Buy: And finally, we have our latest play on the U.S. dollar. We look at buying the dollar as a short-term play to profit off this dollar rally, and a nice hedge for the rest of our plays. We see a dollar rally coming in the short-term. To take advantage we recommend the PowerShares DB Index Bullish (UUP).

The Better Euros

Hold: I love Nordic currencies. Right now, we hold the Norwegian kroner, Swedish krona and Danish krone through the Viking CD (now a hold in our portfolio), along with the Norwegian kroner CD.

Best Buy: These European currencies have far superior fundamentals than the overall Eurozone. We prefer to invest in choice European countries for the long run. Thats why we lovingly call these currencies better euros. Specifically, we love the Norwegian kroner for the long-term. Recently, this gem of a currency has pulled back in price. Our Norwegian kroner CD is now selling at a discount, so Im rating it a best buy.

Best Buys: Also, if youre a new currency investor, were still recommending the newly revamped All-Weather Portfolio, and the Asian Portfolio. Both are great long-term plays for dollar diversification. Both are showing double-digit profits that means these CDs are producing stock-like returns, without stock market risk.

Hold: Meanwhile, our locked in MarketSafe plays the MarketSafe BRIC CD and Gold CD continue to produce solid gains. These were both limited time 5-year offerings, so they are not available anymore. But if they offer them again, well let you know.

Get Paid to Wait as Global Chaos Reigns

With all the drama in the markets, we like solid dividend-paying foreign stocks that will pay you to wait out this crisis.

Even better, these plays are denominated in solid currencies like the Singapore dollar (Singapore Telecom 4.95% yield), Mexican peso (Telefonosde Mexico 4.91% yield), Australian dollar (ANZ Bank 5.5% yield) and Israeli shekel (Partner Communications 11.73% yield).

We believe that as the world continues to seek higher yields in sound currencies, these foreign, high-yielding stocks will continue to prosper. Many of these stocks earn double or even quadruple what blue chip U.S. stocks pay.

Best Buys: We still own gold and silver in pooled accounts and gold American Eagle coins in our portfolio. As more turmoil happens in the Middle East, oil soars higher, and sovereign debt issues abound, gold and silver provides some nice insurance for your portfolio.

With all this unrest around the world, gold and silver prices could look cheap a year from now. Already, silver has climbed almost 250% since we first recommended it. Gold has climbed over 50% and still looks to go higher. Both are long-term buys, even at these prices.

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Do You Want To Learn Forex?

ExoticFX has Taken the Fear out of Forex

Our Forex Trader Apprenticeship (FTA) program is on the lookout for beginner, novice and experienced traders that want to take their trading to a higher level.

Our FTA trading program is perfect for people that want to trade Forex for a living.

Our success in the Forex Markets has afforded us this One-of-a-Kind opportunity to train and fund a select group of talented individuals that express the desire and show the potential to trade currencies.

Generally, a program like this would be reserved for those with a professional trading background which leaves the majority suffering on the sidelines with limited, if any, gains.

ExoticFX is here to change all that.

Our Forex Trader Apprenticeship Program will take you from ZERO knowledge to be an Experienced, Confident and Successful Trader and we will do it ALL with absolutely ZERO RISK to you.

Proprietary Trading – Trading other people’s money

Proprietary trading (prop trading for short) involves the ability to trade using someone else’s money.

With the ExoticFX FTA program, we will teach you to trade, we will provide the funds, you will follow our direction, and you will share in the trading profits (you keep 90%!) while our company absorbs the trading losses. If this idea sounds appealing to you, then you might be the person we are looking for. Once you complete our FREE FTA Training program and show the necessary skills and determination, you may have the opportunity to trade our company capital in the Forex market.

Lets Talk about Why we would do Anything for Free.

Theres actually much more available here than what first meets the eye.

Theres something that really bothers me. When I look around the internet for information and find something of interest, and then am forced to read through some mile long redundant sale presentation trying to pick out the pieces that are important, it annoys me greatly. Let me say right here and right now, keep on reading, because Im simply going to lay the facts on the line, remove all the hype and give you the real, straightforward information as to WHY we are doing this.

The Ultimate Goal is to create a FEE driven Forex Trader Apprenticeship Program. (Currently EVERYTHING is FREE keep reading to discover why) We know that once we fully establish the program, prove its effectiveness, profit potential, and overall desirability we can SELL IT!!! I dont mean sell the whole thing. I mean sell the ability to trade using our money. We have already done the market research and KNOW there is a HUGE Market of people that will gladly pay $15,000.00 to $25,000.00 for the opportunity to have what we are offering. But first we need to create a market presence, graduate apprentices, establish momentum and product awareness. Look at the list of features and benefits so you can understand why…

  • FREE Forex Training Free to Everyone Not Just the Apprentice Program Applicants
  • FREE 24/5.5 Fully Mentored Live Trading Account Interact with your Mentor Live from your Account. Live Trading Accounts for General Traders and Apprenticeship Traders.
  • Software Driven Stop Loss We Prevent you from Losing Money
  • Professional Trading Charts See what Our Professional Traders See as they Trade the Forex Market
  • Live Trade Calls Learn Why and When Our Professionals Trade
  • Daily Trade Recommendations Youll Know Exactly What to Buy, When to Buy, What Stop Losses to Place, and When to Sell.
  • Fully Automated Alerts Your Trading Account and Mentor will Keep you in Touch with the Market via SMS, Social Media, Voice Messaging and Instant Messaging. Never Miss an Opportunity or Get Left Holding the Empty Bag!
  • See Who Is Online – Interact with Like-Minded Traders, Mentors, Professionals and Brokers
  • Wholesale Spreads Institutional Wholesale Spread Rates Maximize your Profitability
  • Proprietary Indicators Our Secret Timing Indicator, among Others, will Ensure your Success
  • Trade Using OUR Bankroll Graduating Levels with Positions up to $3,000,000.00USD
  • Minimum Weekly Profits Level 12 Minimum Profit Goal of $12,000.00 per Week
  • Mentor Training Program Complete the 12 Month Novice Training, Apprenticeship and Professional Trader Program and Qualify for Professional Mentor
  • Mentors Earn Commissions Three Ways Mentors Earn Commissions From 1) Apprenticeship Sales, 2) Apprenticeship Trading Profits Share, 3) Share in Spread Profits from General Trading Account and Apprenticeship Program of those you Mentor.

As you can see, the FTA program will be HUGE. In order to accomplish our goals, well need many more Mentors and thats where you come in.

Is becoming a Professional Mentor for Everyone? Absolutely not.

Will everyone need Mentors with our program? Absolutely!

There is not a trader on the planet unwilling to take advice. Since having a Mentor available, whether in the FTA or General trading account, costs the account holder nothing, who in their right mind would not want the help and assistance required to be successful in the Forex Market?

This is our WHY!

We intend on setting the Forex market on FIRE with this Apprenticeship program, but first we need to create a presence, graduate apprentices, establish momentum and product awareness. Like any Internet or Cyber endeavor, traffic, coupled with a desirable successful program, will equal profits.

Like any Internet or Cyber endeavorTraffic + A Successful Program = PROFITS

And, its not a Secret – we are PROFIT driven!

So now you know our reason WHY. You are here because you, too, are profit driven. Whether you are interested in …

  • FREE Forex Training
  • EFX FTA Program
  • Professional Mentor Opportunity
  • Or something even simpler

As you can see, we have all the bases covered.

If you would like the opportunity to earn up to $12,000.00 per week income through our FTA program, but you don’t know how to trade Forex That is not a problem either.

Our FREE Training program will teach you everything you need to know

FTA members are educated via a simple structured process. From the basics through advanced training, everything is provided step by step. This is combined with specialized small group FTA training sessions which are conducted with our expert FTA mentors. The FTA training system will reinforce and reward consistent and professional trading behavior.

We find the best prop traders are individuals with very little or even no trading experience, as long as they share the same end goals. With our FTA Traders using our company account, we make money when you make money, so obviously we have high expectations and a vested interest in the success of our traders. Applicants must be willing to go through our training course, follow the trading recommends and strategies we provide, and dedicate sufficient time to the trading process. In order to qualify for the FTA program, the following characteristics are sought:

  • Strong Desire and Dedication to Pursuing a Professional Trading Career
  • Discipline to Follow a Highly Structured Trading Plan
  • Commitment to Complete the Initial Education and Continued Training Program
  • Time Management Ability to Spend at Least 4-5 Hours a Week Trading your Account

Does this sound like you?

24/5.5 LIVE Trading

Learning and doing can be two very different things! Many new and even veteran traders understand the concepts and strategies inside out, yet when they begin trading in live market conditions, are quickly overwhelmed. With the ExoticFX Fully Mentored 24 hour LIVE Trading rooms you have support around the clock! Our Trading rooms are designed to support your live trading experiences, and what better way than with the support of Professional Mentors?

Funded Apprenticeship

  • FTA Traders can keep their account in demo mode for as long as they choose, before trading LIVE and entering the FTA advancement program
  • Increased buying power (access to our money) comes with consistent weekly performance, thereby building profits as you graduate through the levels
  • You Keep 90% of the Profits!
  • Weekly advancement targets are based on minimum performance levels of only 10 pips per day at full position size
  • Coverage of all trading losses, therefore no risk to you the trader
  • Access to institutional (wholesale) spreads maximizes your profit potential

ExoticFX.net

ExoticFX will always remain the equal opportunity alternative. Lets face it, Forex trading isnt for everyone even with all the features provided above. ExoticFX is the no frills, easy to understand and simple way to participate in the Multi-Billion dollar world of Forex.

We Guarantee you up to 2.3% per day return on your investment and you dont have to do a thing.

In essence, this Fully Managed Account will earn you a profit 24 hours a day, 5 days per week.

At ExoticFX we strive to simplify the process of Forex Investing by providing you with a Hands-off approach. We work diligently to research the Exotic currency pairs, stay on top of the Majors, determine the ETF trends and discover Emerging Market Opportunities. We participate in these markets every single day and provide you with a simple plug and play portal to this Multi-Billion dollar industry.

When you join ExoticFX, youll immediately gain these five key advantages:

  1. You earn a faster growing, independent income, with less risk with no need for day trading.
  2. You can stay insulated from the Global debt crisis and become diversified outside your own currency.
  3. Youll avoid costly errors and steep learning curves that reduce your confidence and can wipe out your bank balance.
  4. Youll enjoy a new financial status and confidence knowing strict risk management is used to maximize profits.
  5. And youll get back in control of your money, minus costly broker s and their profit-grabbing commissions.

ExoticFX could very well be your number one best chance to profit in 2011 and beyond.

Join ExoticFX Today and insulate yourself from the looming Global Financial disasters.

It couldnt be simpler.

ExoticFX More Than Just Profits!
A Private Asset Haven!
Revolutionary! Simple! Secure!

Who are we?

As Forex industry leaders, we are committed to developing and empowering Traders all around the world by providing systematic education, forex training and trading services, specializing in the Exotic, Cross and Major Currency pairs as well as ETF Trends and Emerging market opportunities. Our comprehensive training programs will educate everyone from absolute beginners to professional traders how to successfully achieve their personal financial goals.

Why are we different? It is simple Discipline! We are committed to

  • Continuous Research and Development
  • Comprehensive Education and Training
  • Interactive Professional Coaching Tools
  • “LIVE” and Interactive Trading Rooms

Our Commitment

Our traders benefit from our training which is backed by a network of Forex industry professionals. We are all experts in our field; well provide the cutting edge trading tools, each of which is market tested by a dedicated research and development team. And well provide the means to bring it all together within our live trading rooms under the guidance of Professional Trading Mentors.

As Professional Traders in the Forex market, we recognize the changing nature of the financial markets and are consistently researching and testing new and advanced techniques and strategies to strengthen our offer.

Expert knowledge is the Key to your success as a FTA trader

We believe that our professional FTA training program will allow traders, from beginner to advanced, to unleash their full earning potential by equipping them with the advanced knowledge and skills needed to trade the Forex market as a professional. As part of the course, FTA apprentices will receive

  • Specialized small group training which will cover all aspects of professional FTA trading,
  • Live trading room support throughout the trading day,
  • Daily online review sessions, and
  • Access to an exclusive FTA only forum.

Thanks to our flexible online delivery of the educational program, you can participate in the Forex Trader Apprenticeship program on a full- or part-time basis. The choice is yours.

Professional Level Trading Platform

We leave nothing to chance. There is no guess work involved. Just the right tools for the job. Via the MetaTrader 4 platform, well provide you with direct access to market prices and the ability to place and modify your trades efficiently.

Trading Indicators and Signals

Once we assist you in setting up your trading platform, we will install our proprietary trading indicators. Your trading tools are complete in one very powerful and easy to use trading program.

You have the means to access the markets and the tools, support and complete systems to professionally determine profitable trading opportunities.

Client Support: FAQ

I dont really have many computer skills

We have step-by-step instructions for all our processes. Customer support can even log on remotely to your computer and help you solely at your request.

I have never traded anything. What kind of support can I expect?

Customer support is all-inclusive. Our Support personnel will personally speak to every new member and assist them in setting up their computer with the trading platforms and indicators.

My day job has odd hours. Will I be able to talk to someone if I experience difficulties?

Customer support is staffed 24 hours a day, 7 days a week. Your personal Mentors will be assigned and available to fit your schedule.

Do I need a special computer?

Our recommendation is that you use a Pentium 4 or similar with at least 2 Gig of ram and an 80 Gig hard drive. Having a second monitor is an advantage but not required.

What type of education are you talking about?

We have downloadable written material, and recorded video lessons and instructions, as well as LIVE Trading Rooms and LIVE Classrooms where you can ask experienced traders questions.

With this program can I expect regular updates?

Our program leader will send you regular updates via email, SMS messages, voice messaging, and Instant Messaging as well as Live Trading Room messages. (You select the options best for you.) You wont miss a thing!

How will I know when classroom lessons or changes are made?

We announce events and changes in the LIVE rooms. We also send out email notification to any classroom change, as well as all Classes and LIVE room schedules are posted in our online calendar on our website. Classroom lessons are also video recorded for playback at your leisure.

How will I receive instruction on how to implement or take advantage of any new strategies?

LIVE online classes will be scheduled for every new group of traders to walk them through the details of the FTA program and the trading strategies. Live trading support will be provided to our FTA traders throughout the day, and daily online classroom sessions are held to review the trading strategies and address any questions. In addition, all FTA traders will have access to the regular 24 hour LIVE trading rooms for continuing support.

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How To Analyze Traffic

As you may know by now, my priority is providing you all with knowledge about HYIPs. If you are considering investing money into a HYIP, I want you to have as much information as possible to decrease your risk of loss. This third installment in my Do your Research series focuses on Favorable Traffic Analysis Graphs. Traffic graphs give us visitor trends, showing us the number of people that are visiting HYI program websites. This information allows us to estimate program life based on the popularity of the website. It is important to know that all information derived from these graphs is subject to interpretation and information derived may not always be clear. We also should note that all programs are different, and a favorable graph does not always mean the program will be successful and profitable. The information obtained from this analysis is far from perfect, but can provide us with very useful indicators that can help us determine if a program is worth investing our money into.

Perhaps the most widely used traffic analysis graph is the Alexa Graph. Alexa is a subsidiary company of Amazon.com that provides information about websites including: statistics, sites linking in, and audience demographics among other information. Alexa is an industry leader that is widely used; therefore, information is available for a large number of websites that may not show up on other traffic analysis sites. Alexa graphs are useful in our analysis of HYI programs because we can make assumptions based on our knowing the number of people visiting a HYIP’s website.

I’m going to take some time to show you different Alexa graphs taken from HYI programs and I will explain possible ways to interpret each graph. For these examples I’ve removed the names of the HYIP as I want you to consider the analysis of the graphs without any other opinions on the site. In this article I’m going to cover three different types of trends: exponential growth, gradual growth, and high growth.

The first graph we’ll look at is usually seen as the most favorable graph a program can have. This graph shows two programs with exponential growth.

exgrowth

A program that follows the above trend starts off slowly and has an ever-increasing number of visitors until the program closes. This is the ideal structure for a long-term program as it continues to build upon itself for an indefinite amount of time. Programs that continue with the above trend have the potential to sustain themselves for years. At the same time, programs with this sort of graph are almost guaranteed to be bringing in large amounts of money, something that can tempt a dishonorable program admin to “close the doors” and turn scam, similar to what the second graph shows, a sudden unexplainable end to a seemingly healthy, profitable program.

The next graph we’re going to look at is another favorable one, the slow and steady, or gradual growth graph.

gradgrowth

gradgrowth2

This type of graph, while not as impressive as the exponential growth graph, can be interpreted as a safe and healthy traffic trend. Most exponential growth trends start with a gradual growth trend as the program becomes popular and perceived as stable. Gradual growth programs could even be interpreted as being more stable programs than those with exponential growth as the program is sustaining itself without any large increases in cash flow which could tempt the program’s admin to turn scam and run with the money.

The danger of a gradual growth trend is that it can easily become a gradual decline trend or a non-growth trend. Both of these negative trends will be explained in detail in a walkthrough article coming soon.

The third of the common favorable graphs is the high growth trend. This is perhaps the most dangerous of the favorable trends, as a program with a high growth trend starts its life bringing in high profit that continues throughout its life.

higrowth

higrowthend

While both of the above graphs look incredibly different at first glance, they both represent programs with high growth trends. The first graph shows a program with high growth trend that has just started and continues to be popular and bring profit both to the program as well as the investors. The second shows the complete life of a different program with a high growth trend. Popular low-term programs very often have high growth trends, and at the same time they very commonly are timed scams, or programs that close at some predetermined time, usually when the program hits an unknown (except by the program admin) deposited amount. It is because of this fact that programs with high growth trends are more risky than those with gradual growth.

All of the above traffic analysis graphs have favorable trends and represent programs that could be potentially profitable. Programs showing traffic trends that match or are similar to the above have an advantage over other programs because they show website popularity. All HYIP programs rely on investors to survive. Without sufficient investors, a program will close. Because of this, traffic trends are extremely useful when analyzing the stability and life of a program. When deciding on which programs to invest money into, it is my advice to seek programs that display positive traffic trends similar to those shown above.

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5 Myths That Prevent You from Being in Control of Your Finances

A crisis can strike at any time and it can bring damage to your personal finance structure. But, if you’ve built it on a solid platform with constant income sources, positive balance, money back-up funds, there will be a while before the external crisis will affect your personal budget.

The lack of interest towards personal finance matters is the first possible factor for an unstable situation that can lead to financial crush. The lack of interest is the lack of control; and as the old saying goes: “if you don’t control money, it will control you

Lack of Control
People have systems of beliefs that prevent them from having a healthy financial behavior. They seem to forget that if you don’t help yourself, nobody will. Having a detailed structure of your personal finance is a great tool to avoid getting into trouble. But there are plenty amongst us who live in partial or complete denial, because they have a set of popular beliefs, that I think are wrong, like:

  • If you work and you are honest, you should have enough money
  • The government has the duty to help you
  • Uncle Sam has to give you a job!
  • If you lack money, you can always borrow
  • You will work it out somehow!

This set of “values” inherited from our parents, heard from our neighbors and gleaned from our friends, creates a sensation of fake control over your personal finance. The fact that there aren’t so many out there who had severe issues caused by the lack of money make you believe that this will never happen to you too! After all, there are so many people out there, who have a much worse financial situation, right?

Honest Work
The economic reality in which we live in today is based on the cruel law of profit. The companies, whether they are private or national, follow a single purpose – to increase profits. As a consequence, they will try to minimize costs. A very important section of the costs consists of employees’ salaries. What happens today, when in many activity fields the salaries drop dead, is pretty eloquent for the situation that we all face. Therefore, honest labor hasn’t anything to do with economic calculation.

The Government Must Help Us
Huh? The Government has “the duty to survive”. It’s a system that wants to preserve its equilibrium state and will do whatever it takes to keep it that way. Even if we are being given the image of caring presidents and senators, truth is that their main task is to keep the monetary system active. And we are nothing else, but ordinary bricks in this giant wall.

In the present crisis, government is not the solution to our problem. Government is the problem. — Ronald Reagan

Uncle Sam Has to Give You a Job
The Government will give you a job only when he will have something to win out of this. This will be nothing more than a clever move to reduce the social tensions in order to balance the economic field. They don’t give us jobs because they love us but because they are helping the nation as a whole. On the other hand, not everybody will get a job. And you may or may not be the unfortunate one. Are you ready to face that situation? Is your financial level of education big enough so that you could start acting on your own?

You Can Always Borrow
First of all, who will give you money, if you don’t have any income sources? And, how long do you think you could leave out of loans; then take out more loans to pay the initial ones? Do you want to get in this never-ending debt circle? Don’t let this assumption affect your life and irreversibly mutilate it.

You Will Work It Out
You can do it once, twice… What happens if there are multiple crisis happening at the same time and all affecting your personal finances? Don’t let things get out of your control and treat your personal funds as seriously as you can. Be sure to check all your income sources as well as what you’re spending money on. Start having a disciplined financial behavior, by following these rules of thumbs:

  • Make short, medium and long term plans for your personal finances
  • Watch your cash flow closely (how much you earn; how much you spend
  • The family’s budget
  • Control your shopping desires and don’t let them convert into daily needs.

For this, you will need to be:

  • Motivated
  • Disciplined
  • Persistent
  • Responsible
  • Realistic
  • Strong

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You Are The Best Investment

“Formal education will make you a living; self-education will make you a fortune.”Jim Rohn, entrepreneur, motivational author

The education that we get in schools is more likely to prepare us for an employee type of life. Yes, it gives you a living, but it won’t make you rich.

If you want to succeed in your life, or in your career, it is advisable to rely upon the single solid and secure thing in your whole existence – yourself! By this I mean – You and Your knowledge. What there is inside yourself, what you know belongs to you and nobody can take that away. You can lose money, power, position, a job place, a business, but you will never lose the experience and the acquired know-how. Even better, you can always improve them.

That’s why it is good not to expect help from others or to get everything what you want when you want it. If there’s a support for you, that’s great, but don’t rely solely on that for solving your daily issues or for getting you a job. Everything that you need in order to succeed is within yourself. You are an intelligent person who knows what you wants, who has all the necessary tools for being successful.

You have to be your biggest investment. I’m not necessarily talking about money, but about time and energy. If you want to buy some self-improvement books or subscribe to some seminars and workshops, all these takes effort. It’s all up to you to say if it worth it or not. On the other hand, you can still be an employee, and learn from everything around you, so that someday you could make your own company.

The Internet. It has so much information in it that you just get lost in the woods if you’re not sure what you’re exactly looking for. Do you fancy having your own business and quitting your boring job? Then you have to be prepared to invest time in your own personal growth. What is it that you like? Do you know what your passions are?

The first step would be to realize what is it that you like to do the most. After that, you can try to gather all the information that you can get, at first, for free. Avoid all those “Learn how I made 50 000$ in one week!” proposals, as it will only shift you from your path. Let’s say you have a passion for training dogs. How will you make a product or business out of that?

Make a website. After that, try to get into online communities that are already specialized on this. See what you could do to bring in some value. Put passion in what you’re doing and you will soon discover how thrilling it is to have a thing that belongs only to yourself, and was created by you. You don’t have any overdue task and you don’t have to be bullied anymore by scary deadlines.

Use the free time that you (still) have to learn how you could make a business out of the things you like, whether we’re talking about dog training or hand-made products. You don’t even realize how much you’ll win if you’ll decide to start investing in yourself. Take advantage of every situation that there is to enhance your skills.

I’m not saying that you should quit your day-job and start dreaming with your eyes open. Even more, if the company that you work for sends you for a specialization course, seminar, conference, team-building; any other event of this kind, you must use it to learn new things that will help you to add more value to your own persona. You don’t have to be passive or bored. This is a change to meet more people and to make a good impression on them.

Don’t forget that each and every information you acquire, the skills that you have; they are all yours, nobody can take them, nobody can steal them.

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Having A Business and Managing Your Personal Finances

A business is the fruit of personal finance tree

Your personal business isn’t just another source of income for your personal finance. It can deliver saving solutions/methods for your previous budget plan. A successful business can make you financially independent for many years, if you know how to manage and to organize your finance plan. Start a business with your “available money”. Don’t hurry and take out loans, as that could transform into the killer of your business and make you a debt slave. Start small and grow step-by-step. This is how you will be able to allocate funds to the growth of your business on a monthly basis.

Even if your business yield you great income, don’t rely solely on it. The market is unpredictable, so it is better to keep all the options open. Try to find business partners and don’t be greedy, let them take a share too. Working as a team will benefit you better than wearing yourself out just to gain more money.

Learn to be disciplined about your personal finances and treat them with all your seriousness. It build your financial behavior and will be the pillar for the background of your business.

Obviously, both your personal finances and your business are important issues of money and financial survival; and your own enterprise is, basically, just another activity that produces income for your personal finances. Or, at least, this is the first link between these two that one could think of at first.

Thoroughly looking, though, you realize that there are many other liaisons between them which lead to different financial behavior, and you can see this at those who surround you.

What Comes First?

This is a tricky question. Theoretically, personal finance should exist before the appearance of your own business. You have been dealing with Mr. Money since you were a kid. You had to learn to manage your money long time ago before having your own business.

The vast majority of people work with money, but they don’t have the smallest clue about personal finance. They earn and spend money by “instinct”, following immediate needs, without an action plan. In most of the cases, this is generated either by a low financial education or by a routinized style of living. It is much easier for those who know how to structure their personal finance to start their own business than for those that live using the “carpe diem” motto.

Personal Finance means:

  • Clear knowledge of the income sources;
  • Knowing the expenses;
  • Continuous watch over income and expenses levels;
  • Making a budget;
  • Savings;
  • Investments;
  • Pension plan;
  • Kids plans;

If you didn’t tick at least three points from this list, then it means that you haven’t established a personal finance plan yet. Now comes the tricky part: do you know that there are lots of people who start a business without having done a personal finance plan? They use their instinct and believe in the originality of their idea, leaving all concerns aside.

This one is the biggest reason why most people fail to establish their own business. They don’t treat financial education at its proper level and don’t have a strategic plan of actions. How could you manage a business if you aren’t used to cope with your actual finances?

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Simple Ways to Reduce Your Expenses

To defeat an enemy, the first thing you need to do is to know him better. That is why you need to have a complete picture of your expenses. It is very important that documentation for every expense you make is as detailed as it gets, so that you could know: on what exactly did you spend the money and how you did this. Did your expense involve another fee that you could avoid or a payment that wasn’t necessary?

Financially speaking, the easiest scenario to cut your expenses is when they are high. Unfortunately, reducing your expenses when you live like a king can be thought of as a decrease in your living. That is why people with problems paying their loans are not willing to cut their expenses. They will simply go on with their life style. If the income will not increase, they will have to face the harsh reality of going to personal bankrupt and, eventually, they will have to quit their luxurious living.

That is why you need to know what you’re spending money on and more importantly, whether those things are really important to you. Don’t play around with these things, as you will get burnt. The majority of people is located between abundance and total lack of money. It’s easier to go bankrupt than to earn loads of money, that’s why you need to be careful with your expenses. Spend more as you earn more and maintain this ratio.

Ways to Reduces the Expenses

You have below a list that can help you reduce your expenses, even if you already know how to manage your funds. What you need to do is to :

  • Reduce acquisition cost
  • Make the product/service that you need (DIY)

Knowing these two basic principles, you will be able to try and apply new techniques, more diversified:

Reducing the price

  • eliminate the intermediaries
  • buy in bulk
  • use discounts (savings, seasonal campaigns, last minute…)
  • make a thorough selection of your products
  • whenever you can, negotiate

Make the product/service that you need

  • product making (in-house manufacturing, from canned food to dog house)
  • making the service that you need  (from car washing in the backyard to cloth weaving )

There are people who were able to start a small business after they were imposed by life conditions to cut expenses. There are people who are selling hand made products; technique they learned when they had to quit the previous life style because it was too expensive. You don’t have to be ashamed by the choices you will have to make. It is better to prevent the problems than to face them.

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8 Ways Laziness Makes You Lose Money

Laziness has been a plague for humanity from its beginning. In Christian mythology, laziness is one of the seven deadly sins. Those who were lured into its nets were threatened with hell’s fire.

Today, there are many businesses that exploit the collective indolence. See for yourself the ways in which laziness takes over and poisons our lives.

1. Not having a retirement fund
At 20 we don’t necessarily think about life’s “sunset” but old age can come quickly and you will need a fat bank account if you want to cover all your needs.

You could start by putting aside as little as $200 or $300 each month. Put them into a retirement fund or savings account. Use whatever pleases you, but start saving.

2. Not paying the credit card bills on time
Laziness overcomes any logic, especially when you have to take 5 minutes out of your time to pay your credit card bills. The later you pay, the bigger the interest will get. The single and most efficient solution is to pay your obligations on time.

3. Not looking for the best offer
You may think that a single deal will not save too much, but when you always look for a better price, you will sooner or later find that you can save quite a bit of money.

4. Not making a shopping list
This is a classical scenario in which laziness “attacks your budget”. If you’re not spending two minutes of your time to pencil out the shopping list, then most probably you will end up buying lots of useless things. Also, it is very important that you don’t shop when you are hungry. It makes you buy all the things that make you salivate.

5. Not selling the things you don’t need any more
You have a CD/tapes collection that you don’t listen anymore? Do you have lots of decorative objects which serve as surface for dust? You probably have a small fortune in your house but you don’t even know about it. Start selling on the Internet or, if you can, participate in a backyard sale.

6. Not taking advantage of sport centers offered by the employer
We can see that corporations are more and more interested towards their employees’ health. If your employer puts at your disposal such a wonderful opportunity, just take it and save money on a paid fitness center.

7. You are sleeping too much
If you’re sitting too much in bed you are losing both time and money. First of all, the time you’re losing could be converted into something that could yield, now or in the future. Reading a book is a much better solution than sleeping too much or wasting time. Secondly, you could have health problems if you’re sleeping too much or not having a right lifestyle.

8. Lack of moving
Be active! If you’re using public transportation, get off some stations before the final destinations and let your body move. As with #7, this is a good solution to avoid possible health problems which could harden your financial life even more. Always try to keep in shape.

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