Wrestle Your Money To the Floor And Make It Behave

Do you have trouble managing money and making it do what you want it to do? Learn how to wrestle your money to the floor and make it work for you.

LendingTree.com conducted a nationwide poll that measured attitudes about consumer loans, credit card debt, credit scores, savings and financial plans.  It was alarming that 48% of the respondents were uncomfortable with their household debt. Even more alarming was that 54% admitted they have no financial plan to become debt free. This clearly establishes the need for people to learn how to manage their debts.

The way money works in your household is more about emotion than about math. Financial advice needs to be written for humans, not robots. Life has unexpected events that you can manage and plan for.

Budget

You may have heard this a thousand times and you’ve either given up on the idea or you’ve found a way to budget that you can live with. One way to budget is to take a piece of paper and write your total monthly income. Under that write down all of your expenses in categories and guess what amounts they each are. Total this amount. Make sure your income and expenses are totally equal. You want to spend all of a month’s income on paper before the month starts. Spend all of it on paper. Don’t forget that savings is a category. Now you have ordered your money to behave because each dollar has a job to do.

Allow for Mistakes

You are going to make mistakes the first time. Don’t worry about that. You will get better and better at estimating your expenses. With practice your budget will become one of the most powerful tools available to you to keep your finances on track.

Dump Debt

Debt is your largest obstacle to financial security. Think about your current beliefs about debt other than your house and car. Debt is not something you just have to live with. Many people live debt free. So can you.

If you are living on borrowed money you can prevent digging a deeper hole for yourself.  Mitlon Berle said, “It’s amazing how fast later comes when you buy now!  Just stop using any borrowed money, which of course will include your lines of credit. Don’t close your accounts because there are situations that you need a credit card. Renting cars, securing a hotel or paying for a vacation will need some kind of credit. When you use them for that purpose and keep your balance at zero, then you are doing great.

Save Money

Saving and investing are two of the best things you can do with your money. If you watch the Suze Orman televsion show, you might think that everyone in the country may be better off than you are and that everyone has over $300,000 in savings for retirement.  Well, take heart, because there are people who have no savings at all and who find it hard to save. Start with a small amount if you are having difficulties making ends meet. As your income grows and your expenses lower, then you can save more. Make it a habit to do this on a monthly basis.

“The safest way to double your money is to fold it over once and put it in your pocket.”
~ Kin Hubbard

Garage Sales

Get rid of items that you no longer need. Not only will you  get some added income, but you will have more space to live.

Automatic Deposits

Use automatic deposits into your savings account. Sometimes it is less painful for people to save money when you don’t have to decide to do it every month. You make a decision once and then set it on auto-pilot. In six months to a year, you’ll have a nice amount of money saved.

“Money can’t buy you happiness but it does bring you a more pleasant form of misery.”
~ Spike Milligan

Shankapotomus Baby Rocks

One of the most ingenious television commercials of all time teaches people how creative marketing influences other people. The E*TRADE baby commercial, just 32 seconds long, was a smashing success. Does every word count? You bet it does. Just look at the dialogue:

Ah…This is weak man. Frank is trying to not pay me my winnings for the Skins beat down I just issued him just cause his 401K is tanking.

It’s like, dude, you gotta GRAB THE REINS man!

• Get E*TRADE.
• Do some analytics.
• Do some research and TAKE CHARGE so I don’t have to subsidize your lack of golfing skills.

“Nnnna.  Nittel. You moved your ball!”

“Frank. It was on the cart path. Why don’t you try reading the rules. Shankapotomus!”

• Take control with one of the most powerful investing machines there is.
• Join the thousand new accounts a day at E*TRADE.

Dialogue Analysis

The first sentence, “Ah…This is weak man,”  uses a phrase you’ve heard thousands of times so you can easily picture someone saying this.

The second sentence, “Frank is trying to not pay me my winnings for the Skins beat down I just issued him just cause his 401K is tanking,” pulls you in and makes you feel a sense of loss and you identify with times that you have been cheated out of what was coming to you.  It also elevates the authority of the baby which of course is absurd, making it funny.

The reference to the Skins Game is not by accident either. There is a yearly game for professional golfers that is unique, exclusive and rare. The player with the best score at one hole, will win money. Each hole has it’s own monetary value assigned to it, with the 18th hole winner being awarded $200,000.

The third sentence, “It’s like, dude, you gotta GRAB THE REINS man!” gives you a direct call to action. He’s taking charge and telling him what to do. Didn’t we spend the first eighteen years of our lives listening to people telling us what to do? We remember this feeling easily.  This adds to the humor and irony of a reversal of roles i.e.  the baby acting like an adult.

The fourth sentence, “Get E*TRADE. Do some analytics. Do some research and TAKE CHARGE so I don’t have to subsidize your lack of golfing skills,” gives three directives. Three is about the number of things a person can absorb in a short period of time. Remember your mother saying, “I’ll give you to the count of three to stop that. ONE, TWO, THREEEEEE!”  Or how about Goldilocks and the THREE Bears or The THREE Little Pigs? Three was used for a good reason.

It also points out what losses will occur if you don’t follow these simple instructions. Someone will have to help you out because you were so dumb. Who wants that?

In the next few sentences, you hear a dialogue that is commonly heard when kids are fighting with each other. You did this. No you did that! Why you….blankity blank blank!  Whaa Whaa Whaa. Something that happens on an hourly basis in many homes with young children. You remember these exact words coming from your lips. Then a gentle reminder of your complete stupidity with the shameful scolding of “Why don’t you read the rules!”

The name calling then closes the deal with heroic magnitude. You Shankapotomus… is like the frosting on the cake. Now the baby has officially achieved hero status. He creates a new word that no one has ever heard before and conquers the very man that was trying to cheat him out of what he really deserved. All is well in drama land. Triumph!

The next sentence, “Take control with one of the most powerful investing machines there is,” tells you what to do and reminds you how smart the action is because…well, nothing is really better. It’s a Superman statement. So now, you get to be like Superman!

The closing sentence, “Join the thousand new accounts a day at E*TRADE,” tells you that you too can join a crowd of thousands. Now how difficult is that?

Movie Analysis

The two characters in this movie are both extremely lovable. Babies bond with us immediately. They have no set of requirements for loving someone other than you need to be breathing, warm and able to hold them. The older man is on the other side of life. At the completely the opposite stage in anyone’s time line. He is enjoying life by playing golf, which is a sport that has been played by millions since the 15th century.

Using a baby in this campaign makes us feel that if even a baby can do this, it must be pretty simple. Yes. I can do this too!

So the two lovable characters then take on qualities that you weren’t expecting. Something surprising occurs. Your predictions of what is possible for a baby have been shaken momentarily and that is what gets your attention. Now you wonder. Getting you to wonder makes you pay attention to the message. It challenges your belief in the way the world works. Now you pay particularly close attention to what on earth the baby could be telling you. You are listening.

Your Challenge -- What can you do with 32 seconds?

No matter what business you are in, you all have potential customers. What exactly are you doing to get their attention? Are you following the Six Principals of Influence that Dr. Cialdini teaches?

• Reciprocation -- Be the first to give
• Scarcity -- Emphasize scarcity and uniqueness
• Authority -- Admit weaknesses first
• Consistency -  Following through with existing commitments
• Liking -- Uncover areas of similarity
• Consensus -- Show responses of others in testimonials

Take action today and do something different with your business strategies. See if you get results with what you have learned from the Shankapotomus E*TRADE baby commercial.

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Affiliate Summit West 2010 Review

Affiliate Summit West 2010 was packed with people. Over 4,000 affiliate marketers, merchants, vendors and Internet entrepreneurs networked, absorbed information, played hard and partied till the wee hours of the morning. Jeremy Shoemaker, an Internet entrepreneur wizard, said that this event was the best one he has ever attended. Of course if you see his videos of black jack fun, target shooting practice, and Las Vegas magic, you will see why.

There were many super affiliates in attendance and monthly income stats could not have been better. There were people there reporting incomes varying between $200 a month up to $100,000 a month and probably more. Just an incredible range of statistics. It was hard to believe that the economy could produce this kind of success. Being a New Media Entrepreneur is paying off in a big way.

Affiliate Marketing Tips for 2010

• Make people feel that your web site is “their” web site.
• Make sure your traffic is not reliant on one source.
• Create your own product for the biggest bang for your efforts.
• Answer questions for people.
• Teach people things that they might not know.
• Use videos to get traffic – Youtube.com is the second largest search engine on the web.
• Get your best commission rates by working directly with companies.
• Get people to pay attention to you over time.
• Ask people to share your content.
• Determine the angle that causes people to talk about you.
• Success is sticking with a problem longer than anyone else.
• Rich overnight days ended in 1994.
• You are not going to know what works, your audience will tell you that.
• Build a media asset that will last over time.
• 86% of ezinearticles.com members write less than 10 articles.
• Write more articles and you will get more traffic.
• Treat people the way you want to be treated.

Discover the Power of Influence

Dr. Cialdini, regarded as the most cited social psychologist in the world, powerfully delivered an insightful talk about marketing. His book, Influence, about persuasion and marketing has sold more than 2 million copies. It has been consistently listed in Amazon.com as a best seller and is recommended by Warren Buffet, one of the most successful investors in history.

Dr. Cialdini is an expert in understanding the reasons that people comply with requests in business. His Six Principles of Persuasion Reciprocation, Scarcity, Authority, Consistency, Liking, and Consensus describe how you can produce lasting change in others.

He suggested that as new media entrepreneurs when we encounter people, we need to ask ourselves how we can be of service to them. People are most likely to give back when they are given something of value. What have you given to your audience lately?

Brian Clarke, owner of copyblogger.com teaches people “The Art and Science of Compelling Copy.” The blog, which he started in February of 2006, has 97,398 subscribers and hundreds of thousands of regular readers.

CopyBlogger has earned a Google page rank of 5, which means that the Blog is seen by others as having good authority. Brian has managed to inspire many people to share their expertise with the world by writing good copy for their readers and teaching them exactly how to do it.

Brian taught us that leading your business presentation with admission of fault first, followed by the benefits of your product or service is very powerful in moving people towards acceptance of your product or ideas. Apparently Aristotle developed this art of persuasion more than 2,000 years ago. Aren’t we glad we are catching on now?

Networking With Marketing Gurus

Ask any one of these people what kind of future they look forward to and I think you’ll receive a unanimous vote for prosperous! Affiliate Summit West 2010 was definitely a huge success and one that will not soon be forgotten.

People in this photo from left to right:

Heather Smith, Brian Littleton, Murray Newlands, Bill Swartwout, Jason Rubacky, Heather Blackburn, Adam Riemer, Andrew Crim, Chuck Hamrick, Julie Vazquez, and Jill Pepitone.

Tips for Budgeting and Making a Budget Plan

Why should people create a personal budget plan?

First and foremost, it is important that you realize what an invaluable financial tool budgeting can be.  A personal budget plan is without a doubt the most effective yet fundamental financial and money management tool that is available to you.  No matter how much you earn annually, whether it is tens of thousands of dollars or hundreds of thousands, it is imperative that you know not only what you are spending the money on, but how much you actually can afford to spend.

In the simplest of terms, a budget plan is a financial vehicle that enables you to control and organize your monetary resources.  Additionally, budgeting also enables you to decide – in advance – how your finances are going to work in your best financial interests by helping you set financial goals and realize them as well.  In so many words, budgets can be extremely powerful considering how simple they can be to create.  Just remember that the underlying premise or purpose of budgeting is to ensure that you have money for all expenses – known or unknown.

Advantages to creating a personal budget plan

The main drawbacks to creating a personal budget involve being completely aware of your finances as well as taking considerable time to create that budget.  However, the benefits and advantages far outweigh those drawbacks as well as the horrors of not following a personal budget once you have developed one.  The following is what we feel are the 6 key advantages to creating a personal budget.

• Advantage #1:   communicating with the family – if you find yourself in a position where you are in charge of budgeting with a significant other, money handling differences can be resolved if everyone in the household is aware of that budget.

• Advantage #2:  controlling finances – the key advantage is that you are able to take control over your finances and money.  A personal budget gives you the tools to know where your hard-earned money is going.

• Advantage #3:  saving money – this is probably one of the more significant benefits to the family or individual that follows a personal budget plan.  It is the most effective financial tool for creating more spendable income.

• Advantage #4:  enabling extra time – the questions “how was the money spent?” and “when was the money spent?” are easily answered when you have developed your budget.  Additionally, if there are questions asked by creditors or you need to prepare your taxes, you have all the information necessary for either.

• Advantage #5:  knowing what is happening with your finances – creating and then sticking to a personal budget enables you to always know how much money you have as well as how much you have to spend.

• Advantage #6:  organization – the basic personal budget organizes your finances into two basic categories – expenditures and savings.  Additionally, a personal budget gives you immediate answers to and the knowledge of all financial transactions that have occurred.

Take the time to develop a personal budgeting plan and in time, you will reap some nice rewards for all of your effort.

5 Ways to Easily Save Money

Why is saving money now more important than ever?

Take a look around you folks.  It’s no secret that the US economy as well as other global economies have been a state of unpredictability for a year or more.  The 4^th quarter stock market crash of 2008 is more than evidence of that.  Not to mention the fact that the auto and finance industries have been in trouble as well as the real estate markets and various retailers.  As a result, more and more people are focusing on creating and developing their personal budgets, and trying to save money so known and unknown expenses are covered.

It doesn’t take a rocket scientist to figure out the importance of creating and maintaining a personal or family budget since this is such an invaluable financial tool.  Not creating a personal budget is like that old adage about “failing to plan means that you are planning to fail.”  And that is basically what you are doing.  You have no control over your money, your finances will most likely end up in disarray, and you will never be able to get ahead financially.  The bottom line is that you should not be spending more money than what you actually have.

Five Ways to Easily Save Money

There are many ways that you can effectively budget just as there are a number of ways that you can save money for future purchases or unknown expenses.  Additionally, this will relieve the stress that occurs when you are struggling to make ends meet and pay your bills.  Here are 5 tips you should consider for saving money:

Tip #1:  Create and develop a personal budget

This is pretty much a no-brainer, but you would be amazed if you knew that people were surviving by the skin of their teeth without employing this invaluable financial tool. If you haven’t created a budget in the past, be sure to start one now. When you budget, make allowances for a saving category and save that much money each and every month.

Tip #2:  Get better at recycling, repairing, and re-using household items

This is part of the “Going Green” mentality, but it still makes a lot of sense.  In addition to this, you should consider using alternative energy sources and purchasing only those consumer goods that are manufactured from either recycled goods or sustainable resources.

Tip #3:  Cutting food waste will cut spending

What is the point in purchasing more meats or fresh vegetables than you can possibly consume at one sitting? More importantly, how much sense does it make to let leftovers go to waste and then get thrown in the garbage?

Tip #4:  You can still maintain a normal lifestyle inside or outside of the home by shopping sensibly

You don’t need to spend a fortune to dress and look good, nor do you need to spend a lot of money on food if you just pay attention to discounts and sales as well as not being a name brand junkie.

Tip #5:  Automated Payroll Deductions

Some companies will allow you to send part of your paycheck to a savings account. You just tell them how much you want to send from each paycheck and they will transfer it. This automated process makes saving money much easier.

Health Benefits of Drinking Alkalized and Ionized Water

Drinking alkalized and ionized water can make you feel more energy, release excess body fat and stored toxins, balance blood sugars, lower blood pressure, cleanse and heal the colon, improve arthritis, diabetic conditions, slow the aging process and heal a variety of skin conditions.

Based on clinical experiences in Japan and the United States, drinking alkalized and ionized water has helped people feel more energy and regain a sense of health and well being.The Enagic Corporation, a Japanese water technology company, has patented a machine that will alkalize and ionize water and now it is finally available in the United States. That machine produces “Kangen” water.

Kangen drinking water has produced so many positive, healing results with people who are having health issues that Japan has named this device a “medical device.” This water technology has been used in Japanese hospitals for over 30 years. You may be wondering what benefits this Kangen drinking water could give you.

Here are the top four reasons for drinking Kangen water:

1. To Balance the Body PH – The water raises the PH of tap water by “ionizing” the water molecule resulting in H+ and OH- ions. Overall, this increases the bicarbonate buffers in the blood, balancing the body and helps in neutralizing and excreting built up acids and toxins.

2. It Increases Hydration – Ionization reduces the size of the water molecule by 2/3, making it more able to penetrate the cellular membranes in our bodies. It speeds up the building of new tissue and waste removal through the lymphatic system.

3. Increases Blood Oxygenation – The OH- rich alkaline water makes more oxygen readily available to enrich the blood. Increased oxygenation can speed healing and increase one’s energy level.

4. Neutralizes Free Radical – The alkaline water with an abundance of OH- ions have extra electrons that easily neutralize destructive free radicals circulating throughout the body. Kangen water carries a high negative ORP (oxygen reduction potential) when it is first produced, making it a potent antioxidant. It also improves the absorption and utilization of food or supplements. This allows the natural healing process to predominate and promote health. Here are some surprising benefits of using other PH levels of water that the Kangen Water Machine produces.

Strong Alkaline Water with an 11.5 PH has some very powerful absorption properties that makes it excellent for use as a cleaning agent. People have used this water to remove carpet stains, clean household items and as a pain reliever in muscle strains or deep injuries to the body.

Beauty Water with a 5.5 PH has amazing properties when applied topically. This PH is similar to your natural skin’s PH and acts as a toner. Used on the face and skin, it softens the skin and makes it look beautiful. When sprayed on hair, it makes your hair shiny and radiant looking.

Strong Acidic Water with a 2.5 PH is not to be used for drinking. It has the ability to kill germs. In fact it has been used in restaurants to keep utensils and cutting boards clean and used in hospitals as a disinfectant. As seen on a short movie clip at our websites, bacteria die on contact with the 2.5 PH water. This type of water has been beneficial in replacing pesticides in agricultural crops in Japan.

Please use the contact us link to find out more about the Kangen Water Filter for your home.