Is Your Corporate Job Using You Up ?

Is Your Corporate Job Using You Up ?

Do you dread getting up to face another day at work ? You're not alone. In fact, you may well be in the majority. Corporate burnout is becoming so widespread throughout the US and other countries that people travel the country giving seminars on how to handle job burnout and make workers feel less stressed. Of course, you've probably heard the drill -"Learn to work smarter, not harder"... "Be a team player"... "It came down from the higher-ups"... "In the end this will help us reach our goals and we'll get fat bonuses."

Of course, the goals set for many corporate employees are so unrealistic that the bonuses they hold out for never materialize. Perhaps you hit 8 out of 9 targets, but sorry, you don't get the prize because you didn't hit that last, totally impossible ninth one. Sometimes it feels like you're working in some sort of absurd carnival sideshow. It's no wonder you don't feel very committed to a corporation that treats you like a slave. How can you feel loyal when there's so little appreciation ?

Mega-Stress

The unrelenting stress of a high-pressure job can lead to numerous health problems as well- hypertension, heart attacks, backaches, anxiety, headaches, depression, and even addiction to drugs or alcohol, either as a way to try to stay energized and "up" to complete excessive workloads, or as a self-medicating attempt to relax when you finally have some time for yourself.

To add to the stress, stories of layoffs by major corporations are announced every month.

In 2006, 1,500,000 workers were pink-slipped in mass layoffs ( "mass" meaning more than 50 employees at a time ). Rumors circulate constantly about what the top management is doing now, what changes are in the wind. Companies are "reorganizing." They're "outsourcing" or selling out to another company. Or they've gone bankrupt-only to reappear overseas, employing workers for a tiny percentage of their American counterparts' salaries.

Fat Cats and Sad Sacks

Average, everyday workers like you are the ones who bear the brunt of these kinds of changes. CEO's and other top executives just keep rolling in the dough-even those at companies you wouldn't think of as "blue chip." For example, in 2005, the annual pay package of Dollar General's CEO, David Perdue, was $3,314,901 ( as reported by The Corporate Library ).

An American worker earning an average salary would have to work until the year 2135 to make what Perdue makes in one year. But frankly, this guy is small-time. The average total compensation for a CEO of a Standard & Poor's 500 company in 2005 was $13.51 million-over four times what Perdue made, and a 16% raise over the year before. Did you get a 16% raise recently ?

Like many of your co-workers, you probably feel angry, undervalued, underpaid, and exhausted when you think about stories like these. Few salaried employees in corporate America work a traditional 40-hour week. Many put in 50, 60, even 70 hours to meet the demands of their superiors. Hourly workers are cut off at 40 hours or less so the company can avoid paying overtime-and you know who takes up the slack. ( Meanwhile, those hourly workers may have to work an additional job-at straight-time pay, of course. )

The "blame culture" that has developed in our society extends into the corporate world as well. ("It's her fault we have to work so late. If only she'd do her job like I do !") Feelings of competition and worries about favoritism increase feelings of anger and powerlessness.

What's the Alternative ?

There is a way NOT to let all these other people control your life and hold power over your economic survival and lifestyle. You can take control of your own life by becoming your own boss. Ironically, as you've become more and more disenchanted with your corporate job, you have also been learning what kind of job you need to be happy.

Are these some of the aspects you would include on your list of ideal job conditions ?

** The freedom to set your own hours.
** Choosing how to handle situations yourself instead of deferring to a "company policy" that you find ridiculous.
** The liberty to spend time with your friends and family without having to beg for time off.
** Working in comfortable clothing in a location you choose.
** Excellent pay that is determined by the amount of work you put in.
** You're steering your own course-no worries about someone else determining your future.

Have You Got What it Takes ?

You already know you deserve more than your corporate employer will ever provide. Ironically, during all those excessive hours of work for them, you've honed valuable business skills that you can put to work as you build your own business. The difference is, you will reap the rewards. It's kind of like being your very own CEO.

As long as you have a genuine desire to empower yourself, to live the kind of life you've always dreamed of.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Stay-At-Home Mom ?

Stay-At-Home Mom ?

Your Mom stays at home ?

Oh, so she doesn't work ?

First, let's make something clear. ALL moms are work-at-home moms. Cooking, grocery shopping, cleaning and laundry might not be highly respected occupations, but unless you've got one of those super-husbands who considers these tasks his responsibility as much as yours, the chances are that you're taking on most of those tasks yourself.

This seems to be just as true for moms who have worked all day at an outside job and maybe started and ended the day with a long commute.

The Decision to Stay at Home

All this was difficult enough before you became a parent. Then, pure exhaustion set in. When you realized that you didn't want just quality time with your children, but quantity time as well, you made the tough decision : You became a stay-at-home mom. You decided it was best for your family for you to be the one who raises your children-not a babysitter or the staff at a daycare center.

No matter how child-friendly they seemed, you always felt that no one else can care for your children as well as you. Best of all, now you don't have that distressing guilt and worry that bothered you ten hours a day or more.

The first thing you probably noticed is a serious cut in income. But then, you aren't spending as much on gas or lunches out or expensive clothes for work. You're really more comfortable in jeans and tees ( and they're much more practical anyway ). And you realize the kids don't care one way or another if they're wearing designer clothes. You can economize on food now because you're at home to cook nutritious meals instead of picking up fast food or a pizza on the way home.

And there are so many great payoffs ! You're there to cheer Emily on when she takes her first steps and says her first word. You never have to miss a school program or a soccer game. Now you can take Madison to ballet and Jacob to his karate class. You're there to wipe away tears and answer those important questions that come up out of the blue-and you've got the energy to really play with your little ones.

There Seems to be Something Missing

You're aware of a troubling emptiness that used to be filled with the thrill of accomplishment that you took from your old job. You miss working with professionals to meet challenges, find solutions, and celebrate success. You miss the feeling of financial freedom you got from having your own paycheck and your own 401K. And you're getting a little tired of living frugally. It would be nice to be able to add something to the family income, but you really don't want to leave your kids !

There Is a Solution

Every day, millions of people search online for legitimate work-at-home opportunities. Thanks to the information age and the availability of jobs not just in the US but all over the world, home-based entrepreneurs have found that they don't have to choose between family and professional fulfillment. It is estimated that over one-third of families with children 18 or younger have at least one parent working in a home-based business. The Internet offers hundreds of different opportunities to be an at-home entrepreneur.

As long as you have the desire to succeed and the willingness to learn, you can soon be enjoying the freedom of being your own boss, the return of that productive, professional feeling, and the flexibility to enjoy your family.

All genuine work-at-home opportunities provide you with the tools and expert guidance you'll need to get started in your own business.

The possibilities are endless !

Online Co-Workers
Look around, and you'll be pleased to find an interesting online community of people just like you who have found a way to continue using the skills they acquired on the job without ever leaving home. They like to joke that their commute takes 30 seconds-the time it takes to walk from the kitchen to their computer in their pajamas, with that second cup of home-brewed coffee fixed just the way they like it. While they work, they're free to snuggle with babies, keep an eye on a toddler, or get dinner started.

These stay-at-home moms are free of the hassles of a corporate job away from home, yet they have recovered the self-esteem that comes from being intellectually and financially productive entrepreneurs. Who could ask for more ?

The Next Step Is Up to You

Determine the path that is right for you.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Will You Ever Be Able to Retire ?

Will You Ever Be Able to Retire ?

Back in the Day ... Twenty-somethings often refer to their parents’ youthful years as “back in the day” - and little do they realize how much things have changed since then - economically, socially, and politically. These changes impact every American, but they are especially relevant to those beginning to think about target retirement dates and whether they have saved enough.

“Back in the day” people worked long enough at one job that they drew adequate pensions in retirement. The luckiest ( or most visionary ) ones are the “triple dippers” who collect a civil service or military pension, a pension from years of working for a private company, and social security.

While triple-dipping is an enviable way to fund retirement, at least one dip of the trio is quickly disappearing : the company pension. Only about 40% of the baby boom generation, just now beginning to retire, will have any sort of pension, and the life-long health insurance benefits that were once part of nearly every retirement package are for the most part a thing of the past.

The 401K plans came along in US. With participating employers contributing some matching funds, employees who participate defer taxes on part of their income and get a literal pay raise from the funds match. Once again, it sounds like a great idea : So why are economists worried that America is facing a retirement crisis ?

To begin with, only a little over half of employees who are offered a 401K plan actually participate. Some cash out their plans when they leave, often because they need the money for living expenses while they look for another job, or they want to pay ahead on debts they know they can’t handle if they aren’t working.

While some of the non-participants have IRA accounts or other individual savings plans, an alarming 31% of workers 40 or older admit that they have not saved anything at all for retirement, according to a recent AARP Bulletin poll. The same poll revealed that 28% of those who had already retired had saved nothing ! Like almost 60 percent of current retirees, Social Security is their major source of income.

“But I still have my pension ... right ?”

Wrong. Many companies have converted pension funds into 401Ks, expecting employees who know little about the stock market to figure out how to invest for their futures. Some companies simply fund 401Ks with 100% company stock. Where does that leave the employee if the company goes bankrupt - as Enron did, leaving thousands of employees out of work and with shares of company stock once valued at $80 worth less than a dollar ?

Where Do You Stand ?

If you participate in an IRA or 401K, by all means keep doing so. Don’t take out any “loans” on them. And remember that according to the fed’s own web site, you should expect Social Security to replace only about 40% of the income you will need in retirement. The average couple on social security receives about $20,000 annually from the government. According to Bloomberg’s retirement calculator, this couple needs an investment portfolio of an estimated $500,000 to make up the other 60% they need ( $30,000 ) to bring them up to a retirement income of $50,000 a year.

Maybe this doesn’t worry you. Perhaps you are right on target. Congratulations ! You’re in the fortunate minority.

But -- more than half of all workers who are over 55 have saved less than $50,000. That amount is almost insignificant. It will generate only about $3000 a year - and that’s assuming a 6% return and no unexpected nose-dives in the economy.

How did people get into this fix ?

There are plenty of reasons. For one thing, real wages have remained stagnant since the mid-1970s, meaning that despite very hard work, many have needed every penny just to get by. Poor spending habits - the desire to have it all and have it now - have led others down the road to debilitating debt. 401Ks and IRAs are accessible ( although you pay taxes and a penalty). People borrow to pay for college and medical expenses, and somehow the money never gets paid back to the retirement fund.

Is retirement security a luxury you can’t afford ?

With an uncertain economy, skyrocketing healthcare and energy costs, and little help from employers, retirement may seem like an impossibility to you.

This happens to most countries in this world.

It doesn’t have to be that way.

We are living longer and longer. Must we spend our retirement years filled with anxiety about outliving our money ? Will we just have to keep working forever ?

It doesn’t have to be that way.

Even if you are approaching retirement age with little in the way of savings, there is still time to make up for the shortfall, relax, and enjoy the rest of your life.

It’s all in your hands. But you must be willing to take control of your finances and turn your life around.

As we said at the beginning of this article, the responsibility for retirement income is yours now. The government will help you out a little bit, but you need to find a way to earn about 60% of what you will need.

There IS a way.

Even if you must stay home to take care of an ailing spouse or aged parent, there IS a way. There is a business you can run from your home, your RV, your vacation cottage, even a lounge chair on a sunny beach. Technological advances in the past few decades have made it all possible, and it’s working incredibly well for thousands of people. To establish a viable business that will produce income now and for years to come, all you need is an Internet connection and a telephone. Skilled professionals who took back their lives will be happy to teach you the simple secrets of their success.

Why haven’t you heard about this before ? If you had, you’d be ahead of the game. But the important thing is that you know about it now, and the sooner you act, the sooner you can begin to free yourself from anxiety about how to finance your retirement. In fact, you can look forward to enjoying the rest of your life as you live out your best years in the security of ever-increasing wealth.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Making Money On eBay

Making Money On eBay

For the last 5 years, very many people have made a lot of money selling on the auction website, known as eBay.

What started off as a venue to sell unwanted items, has quickly grown into a world-wide phenomenon, platform where would be entrepreneurs can pit their wits against an ever-growing market.

eBay has also radically transformed the way a lot of people work from home in the world and it is now estimated that as many of 180,000+ UK eBay sellers ( not include other country ) make their full-time living this way ; meaning that when you consider the amount of part-time income generators on eBay, we are talking about serious figures.

You might ask :

** What can I sell on eBay ?
** How can I sell on eBay ?

The above 2 questions would probably not have even entered your mind 5 years ago. Back then, most of the companies that started on eBay made the natural transition from selling at car boot sales, and from market stalls. They relied on their regular customers arriving at their 'pitch' 2, or 3 times a week.

Suddenly, with the arrival of eBay, these small market operators had a world-wide audience they could sell to. Better still, they never had to leave their own homes, or stand at a rain-soaked market stall 3 times a week.

Making money on eBay is now a way of life for MANY UK, US, ASIAN home workers. It has almost become a religion ; a life-line for so many frustrated people who had dreamed of one day starting their own little business.

eBay is BIG Business

Far from being small business, many eBay operators now run into turnover of millions of dollars - all online, and all from their eBay accounts.

Think about it, where else would you get such a large audience looking to buy what you have to sell ? It is a paradise for people looking to start on a shoe-string budget, and a blessing for many a company who has a serious amount of product to sell.

Business opportunities, do not come much easier than eBay, that much is certain. Ten years ago, if somebody wanted to start a serious business, they had to consider much more difficult challenges than simply switching on their Computer, and even that statement sounds a little odd today, with 85%-90% of households owning At Least a personal computer (some even two or three).

Yes, quite simply, if you are looking to start your very own business, and have not got thousands in the bank, then starting an eBay business could be the way ahead.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Are You Looking for Home Jobs ?

Are You Looking for Home Jobs ?

If you are looking for home jobs, then there are quite a few opportunities around for you.

These days, working from home is a lot more accessible than it used to be. You only have to look in your local paper to see that employers are actively seeking for employees who wish to work from their homes.

Many families find that this way of working suits their needs, and gives the the ultimate flexibility when it comes to juggling their lifestyle ; especially if that includes working around young children, and commitments.

Of course, there are other options when considering the prospect of working from the comfort of your own home. Looking for an employer who offers this kind of work, is just one avenue.

The alternative, is to start some kind of home business yourself, and really enjoy the flexibility and freedom this can give you. There are many business opportunities that can give you this option.

Network Marketing and Internet Marketing was those few that i might suggest. You can set it up fast and easy. You can also manage your business in your comfort from home ... anytime.

To learn more, i suggest one of the great resources i have been learning and manage my home based business, visit this site : How Network Marketing Works. This complete course might help you a lot if you are going to set up a home business ( or you are doing your home business now ).

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

How Multi-Level Marketing Works Actually ?

How Multi-Level Marketing Works Actually ?

The concept of Multi-Level Marketing, also known as MLM ( Network Marketing ), has been around for many, many years.

There has always been confusion over how MLM actually works in the business arena, and this is mainly due to a lot of companies using the wrong principles to how it was intended to be used. This has created a very negative experience in the eyes of many.

To give you an example of familiar companies who use MLM, which are now household names ( to help you understand ), you need look no further than Kleeneze and Betterware. Now, these are an examples of how MLM can, and does work - and very well.

The idea behind the concept, in it's basic format, is to generate as many people ( resellers ) as you possibly can, reselling the company's products ; and receiving a commission from each and every sale these resellers make. The more sales your 'team' make, the more money you earn as a commission.

Example :

You view the business package, and reseller plan from an MLM company. The company will have an array of products ( or services ) which are intended to be resold. Most MLM companies will expect you to sell the products yourself, and then for you to 'recruit' a 'downline' ( an army of resellers ) to sell the products for you. You then receive a 'cut' or percentage of your reseller's profits.

The advantage to the company, is that of course, they end up with many, many resellers promoting their products. The advantage to you, is that if you can create a large enough 'downline' ( army of resellers ), then you will make a certain amount of profit from their efforts.

This may sound easy. But, like any business opportunity, any success will highly depend on the amount of resellers you can 'entice' into the business opportunity, who in turn will also be expected to recruit resellers of their own - who you also make profits from.

The difficulty, and where this system breaks down ( from the resellers point of view - not the company's ), is that by having to recruit other resellers, you are actually having to find, and build a team of people who also need to have a vested interest in creating a business - not easy !

When explaining the concept of MLM, it will always sound enticing. Here are the products ; sell a few ; get a few other people to sell a few, and you will be making X amount per month. Easy - not so.

The biggest problem with MLM, is that although you may use a large amount of energy, and resources creating your downline, the majority of such a downline may not be as enthusiastic as you. Therefore, you are relying on the fact that you will ALWAYS ( nearly always, unless selling £5 notes, for 20 pence ) have to keep on recruiting, because just as quickly as you can recruit, the members of your downline will drop out, because they themselves, do not have the ability to recruit their own resellers - hence they will not make money, and drop out of the system.

What happens then, is that even if you are making a certain amount of revenue, if your downline are quitting, then unless you are a dynamo in recruiting, your income will stagnate, and eventually fall to zero - if all your downline suddenly disappeared overnight.

Another main problem with MLM, is that you are always relying on other people's business ambitions for your own success. And, if you have been in business any length of time, you will already know, that most people only 'try' to make money, rather than going after the revenue they seek, with a white - hot burning desire.

The conclusion, is that unless you are highly skilled in recruiting people to resell for you ( and very few people are ) then there are definitely more viable business opportunities for you to become involved in.

But is MLM a scam ?

What i can say is this all depends on how the company using MLM portray the opportunity. For example, in the early nineties there were very many companies who started a 'pyramid scheme', which gets confused with the concept of MLM.

Pyramid schemes nearly always involve money changing hands between members, where there is not an actual end product. For example, one particular company in the nineties offered such a scheme, whereby their members had to find other resellers, to find other resellers, to find other resellers, etc ... There was no product. If you found a reseller, the company simply paid you a certain amount of money ; say $125. To join the scheme, it cost $195.

Therefore, what you were actually doing, was trading in money, and from the company's point of view, they relied up on all resellers, finding other resellers to pay the $195 joining fee - so they could pay other resellers.

In many country, the Department of Trade and Industry ( DTI ) closed down hundreds of these companies - and rightly so, because the main problem was, that ALL resellers were relying on another reseller joining up to pay money, for no end product. That was the problem, there was NO end product - hence classed as a pyramid scheme.

Like we say, MLM, providing you research and start with the right company, it actually CAN work and it is a very good business opportunity. Although the world has moved on since those early MLM days, and there are now many, much easier ways to start a business and create a second, or even full-time income, being your own boss.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

P.S. : I had go through this great resources on How Network Marketing Works, to learn more, visit this site here ... It might help you a lot on your MLM success.

Life Is A Series of Choices

Life Is A Series of Choices

Life is a series of choices ...

Look around you. What is happening in the lives of a large percentage of this country ? Nothing much. And, whether they realize it or not, it's the result of choices : the choice to take what comes, the choice to let things happen, the choice to settle for less, the choice to let others do their thinking, the choice to merely exist from one day to the next.

Reading this statement was a defining moment for me. Life is a series of choices. You can either sit back and take what life deals you, or you can fight back, take charge, and determine your own path.

If you want and believe in something, you must take the next step and go after it.

To put this in perspective, I distinctly remember sitting with a friend who was discussing her financial woes. This person was stuck in a rut, both mentally and financially. I began to discuss the possibility of a home-based business as a possible outlet.

How did my friend respond ? By saying, "I hate to stay at home. I could never do that ... I would be bored to tears." And, in the very next breath, she was complaining again about not having enough money or job satisfaction.

So, there you go. A choice was made. She chooses to let her current situation continue to drain her instead of choosing to make a change to improve her future.

Life should not be dictated to you. It is a series of choices. It is there for you to make the most of.

What do you choose ?

Here are things to take into consideration when beginning your journey towards getting all that you want out of life :

** Open your mind and be willing to reach towards new goals and dreams

** Don't let fear be a part of the equation. Fear is debilitating, and can hinder you in everything you do in life. Disable that fear ! Quiet it with renewed spirit and confidence by moving forward with your financial and emotional goals.

** Openly accept change and welcome self-discovery

** Be aware of your surroundings ; appreciate the opportunities that life presents you.

Human potential is an amazing vehicle. With this business opportunity, you will be working closely with a group of individuals who truly care whether you make it - both financially as well as personally. It is not just about making the "quick buck" ( although financial freedom is certainly a main ingredient ! ) It is also about finding inner peace and emotional stability.

I encourage you to take that first step towards finding peace of mind, contentment, and a renewed confidence. Don't discount the role that financial freedom has to do with these important values. Free yourself from the burden of debt or financial worry. Afford the luxury to choose your direction and set your path.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Is the American Dream Still Alive and Achievable ?

Is the American Dream Still Alive and Achievable ?

Defining the Dream

The immensely popular 19th-century author Horatio Alger is largely credited with defining the American Dream as well as the means to achieve it. His books told the rags-to-riches stories of people who succeeded because of the opportunities they had in the Greatest Nation on earth. It didn’t matter who they were. No matter how hopeless their situations seemed, his characters found wealth and success through determination and hard work - and of course, because they believed in the American Dream.

The Dream Today

We believe the American Dream is alive and well. The 21st century continues to offer incredible opportunities. Escalating wealth is mostly a matter of finding the right opportunities and having the determination and guts to follow them through.

The materials and methods for accumulation of wealth have changed, but the opportunities are greater today than at any other time. One simply needs to learn about the new materials and methods !

So Many Things Have Changed :
Dealing With Fear and Uncertainty

The events of September 11, 2001, permanently changed the country and its citizens. Their assumptions that they are safe in their own land faded to fear and uneasiness. Maybe you used to enjoy travel, but now airports make you nervous. Perhaps you dwell on the possibilities of another terrorist attack. We’re all dogged by an unstable job market where mass layoffs and outsourcing threaten our livelihoods. The future is fraught with uncertainty about whether we’re making wise investments, whether the CEO will abscond with the pension funds, and whether Social Security will be there for us.

Even weather patterns are unstable, taking lives with devastating hurricanes, tornadoes, tsunamis, heat waves, and blizzards. Fear can make you want to simply maintain the status quo and not take any chances - yet that is exactly what you must do to avoid becoming a victim of fear, because fear is the only thing that can prevent you from taking advantage of all the possibilities that are open to you. FDR’s famous statement still applies : “The only thing we have to fear is fear itself.”

But think about this : All kinds of fears have always held people back from trying to improve their lives. We’ve used fear as a convenient excuse not to get on with the lives we’d like to live. It’s so much easier to stay where we are, complaining that we’ll never get ahead.

The opportunity is there for the taking, but you must be prepared to leave your comfort zone, summon up your strength and determination, and set a course towards wealth
accumulation. While money isn’t everything, it can certainly do a lot to alleviate uncertainty and to enrich your life and the lives of those you care most about.

Worrying about the future doesn’t change it. No one has ever been able to predict what will happen, or when, or why. You only have today and the lessons you have learned from your past. You can take charge of today’s reality and make it sing with tomorrow’s dreams.

Accumulating Wealth :
The Opportunity Has Never Been Better

Horatio Alger may have been right in the 1800s when he claimed that anyone willing to work hard could succeed. Today, the picture is different. It is painfully possible to work very, very hard and not get ahead. If you live from paycheck to paycheck and worry constantly about how you will meet your financial obligations, you’re living in a world of stress. You don’t even have the luxury of worrying about the stock market, because you’ve got nothing to invest.

Yet more people are amassing wealth today than at any other time.

True, the financial picture for many of us doesn’t measure up to the rosy pictures we hear of a growing economy. We worry about the war on terror, how we’ll afford gas to get to work, and whether our jobs will still be there for us tomorrow.

Yet you can begin your journey to financial success today.

Instead of the dubious prospect of accumulating wealth working for someone else, you can take control of your finances by owning your own business. It is much, much easier than you can imagine because you can do it with your own home-based business.

Did you know that two thirds of all American millionaires are self-employed ? Think about it. Who makes the most money ? The restaurant manager or the restaurant owner ? The car salesman or the dealership owner ? Owners are self-employed, and they are much more likely to be wealthy than the people who work for them.

We’re not suggesting that you buy a restaurant or an automobile dealership. It isn’t necessary to take that kind of risk or put in that kind of work. You own home-based business can be every bit as lucrative and much less stressful than a bricks-and-mortar business.

You probably already have the only equipment you’ll need - a computer and a internet connection. That’s all ! Now all you need is the information that has transformed so many people’s lives.

Take Control ...
Don't let someone else decide your future for you.

Take the first step today toward assuring a secure financial future for you and your family. And don’t wait until it’s too late. Today is the time to get started in an extraordinary business that has already changed the lives of so many, freeing them of fear and worry and showing them that they can live lifestyles they thought were meant only for others.

Always Remember : When you accumulate wealth, you generate a steady residual income that pays you every day, and every day ...

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

What Job Security ?

What Job Security ?

Let's face it, most of us need the assurance of a steady paycheck to sleep at night. Being able to rely on present and future income means not only that the bills are going to be paid, but that you can make major purchases, like houses and cars, without worrying that you'll lose them along with your job.

Unfortunately, job security, once taken for granted by most working Americans, is quickly being relegated to the memory boxes of an older generation, along with 40-year anniversary gold watches and other appreciation gifts for longevity.

It used to be that once you attained a fair amount of seniority, you could rest assured that if the company cut jobs, yours wouldn't be one of them. Now long-term workers get nervous when there are rumblings of downsizing and outsourcing. They are generally paid more than younger workers, and instead of valuing them for their experience, companies crunch the numbers and figure out how much they can save in salary, health insurance costs, and pension funding if they follow a "first in, first out" policy.

The most fortunate workers are lured into early retirement programs ; the least fortunate are simply given their notice. While official unemployment figures don't reflect it, countless people have been forced out of decent-paying jobs into low-paying ones. Sure, the government counts them as "employed." But most view their jobs as stop-gap measures, a way to barely get by while they remain hopeful that one day they'll find another job as good as the one they left.

Instead, the chances are they'll move from one low-pay job to another. The manufacturing jobs that formed the basis of the Fabulous 50s economy have moved elsewhere. Former areas of thriving steel plants and automobile factories are now referred to as "the rust belt." The auto industry alone announced over 90,000 job cuts in 2006. Most of these were "good union jobs" with enviable pay and benefits. But union jobs have been steadily declining. In 1945, nearly a third of Americans held union jobs. Today only 12% of workers belong to unions. As their numbers have shrunk, so has unions' ability to negotiate favorable contracts for their members.

White collar workers are hardly immune. In 2006, Ford announced it was offering "voluntary buyouts" to 10,000 salaried workers, including high-level executives. Those who took the buyouts explained they thought it was better than being laid off, which they assumed would happen next. Workers were offered the services of "outplacement agencies"- employment agencies that try to find new jobs for displaced workers. But in towns that depend heavily on one industry that is downsizing, it's more likely that laid-off employees will have to sell their houses ( in a real estate market that has also taken a price downturn ) and move to some other part of the country.

In 2002, the technology sector dumped 150,000 software jobs. In 2006, computer chip maker Intel announced job cuts of over 10,000. Students were told that their best bet for the future was information technology. They worked hard for technology degrees, earned millions for their employers, and then found themselves with nowhere to go-because their jobs were moving to India, China and Russia.

Another relatively new obstacle to job security is the practice of "offshore outsourcing." We all know how it works : Someone in India or Mexico does your job for 15% of what you were paid. More and more, outsourcing is affecting any job classification that does not depend strictly on a US or Canadian location. For example, if you're a waitress, grocery clerk, or store manager, you can't very well be outsourced. US factory workers were the first to be hit hard by the "giant sucking sound" of their jobs moving to other countries, but now software developers, engineers, journalists, and other professionals are facing the same fate.

Of course, the reason is the bottom line. Companies are in business to make a profit. Creating secure jobs for their employees is not their concern. Scaling back on labor costs is the number one way to increase profit margins, whether through outsourcing, not replacing employees who quit or are fired, paying workers less, or using non-union, lower paid, or part time workers here. The country's major employers are huge multi-national companies. Playing musical chairs with jobs among different countries is as simple for them as the children's game.

It isn't pleasant to think about. It's certainly easier to just assume that your job and your paycheck will always be there for you. But denial of a problem will not make it go away or solve it, and some day you may wish you had thought to create a backup plan for maintaining your income without relying on your current job.

At this point, you are probably asking yourself :

"What can I do to be financially secure ?"

As grim as the employment picture looks, there is still a way to provide an income for yourself that you control. Being your own boss means no one can lay you off or cut your hours and benefits. It's up to you to take control of your future income and your future security.

Fortunately, there is an exciting home business opportunity that offers you a way to create a safety net of security and financial success that no one can pull out from under you.

It may be tempting to believe that your good job will last, or to believe that even though you're not happy with your current job, there's a good one waiting down the road.

Just remember that while the unemployment figures look good, the jobs America is losing are being replaced by a whole new category known as "service industry" jobs. These are low-paying jobs in retail or customer service. Hourly workers are almost never allowed to work overtime, while those on salaries fill in the gaps without any overtime pay. The unfortunate truth is that you have to look out for number one because you cannot rely on any company to put you or any other employee first.

Your first step toward security should be to obtain information about starting your own home based business.

The beauty of a home-based business is that you need only Internet access and a telephone to build a thriving business. Our team of skilled professionals will train you and show you the secrets of their success. Incredibly, the capacity to change your uncertain future lies in your own hands.

Instead of worrying about how you'll pay the bills if you get the surprise pink slip, take the first step today towards protecting your financial future. Begin to create a considerable income right away - an income that will continue to provide for you and your family ...

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Personal Debt is Skyrocketing

Personal Debt is Skyrocketing

With the exception of a small rise in middle-class wages in the late 1990s, real wages have simply not kept pace with inflation. In fact, the median income of average households has fallen steadily for five years in a row. Despite these facts, consumption continues to increase.

How can this be ? The answer, unfortunately, is that people are incurring an increasing amount of personal debt. We’re talking here about the 95% of us who are not wealthy, who are not saving enough for retirement, and who are bombarded constantly to buy, buy, buy.

It’s true that the nation’s economy is growing—how many times have you heard politicians point that out, while you wonder why you’re still so far in debt ? What they fail to mention is that the economic expansion is largely the result of people overextending themselves, using credit to buy such necessities as food and clothing, and even taking cash advances on credit cards to pay mortgage payments.

A Federal Reserve study showed that 43% of US families spend more than they earn. The only way to do that is to use credit. And it's pretty obvious that if you use credit to spend more than you earn, you are going to be in debt.

The credit card industry collected 43 billion dollars in late-payment, over-limit, and balance-transfer fees in 2004. The major advertising ploy used by all the credit card companies sounds like a scene out of Brave New World - “You like it. You deserve it. Buy it.” It’s easy to fall into their supposedly people-friendly trap. But the truth is, they exist for one reason only, and that is to make money from you.

“Uh-oh, the mail is here again.”

With the typical American family now owing $19,000 on non-mortgage debts, it’s no wonder that mail deliveries have become something to dread. Which bill is due or overdue ? How much are the finance charges on credit card A, B, C, D ... and on and on. ( The average family has 13 credit, debit and store cards. ) Sandwiched between the bills are offers from other credit card companies - or even the same ones you’ve already got. “Transfer your balances ! No interest for six months !” Many people go this route as a way out.

It can buy you some time, but it doesn’t work forever. The proverbial piper must eventually be paid—and when that time comes, it will be worse than ever.

“But I always make the minimum payment !”

Making just the minimum payments on your credit cards will keep your credit picture in focus as far as the credit reporting agencies are concerned. “Pays required amount. Pays on time.” Sounds good, doesn’t it ?

Actually, you’d be playing right into the hands of your creditors.

The less you pay on your balance, the more interest they make. Let’s say you have a balance of $6000 on a credit card and you STOP using it today. If your interest rate is 17.5%, a pretty average percentage, and you pay the minimum payment of $90 every month, it will take you almost 20 years to pay off the balance. You will have paid $21,240 on that $6000 balance. They made $15,240 in interest—and maybe additional amounts in annual fees.

Think about what you could do with $15,240 ! Wouldn’t you rather be tucking that money into an IRA or a college fund ?

Medical Expenses Are Enough to Make You Sick !

A 2006 study conducted by the Center for American Progress showed that most older Americans who find themselves in debt do so because of the high cost of healthcare and prescription medications. In fact, anyone of any age with a serious illness or debilitating injuries suffered by any family member can soon find themselves in deep financial trouble.

Even if you have health insurance, there are deductibles, co-pays, supplies and drugs that aren't covered. With today’s astronomical healthcare costs, a policy’s maximum lifetime payout can be reached with alarming speed. When they stop paying, and care is still needed, where do you turn ? A medical emergency can be devastating to any but the wealthy.

When Keeping Up With the Joneses Is a Bad Idea

In recent years, low mortgage rates and steadily rising real estate costs made home ownership seem like an excellent investment. While that is still true, some people find themselves in trouble now if they financed their home with an A.R.M. ( adjustable rate mortgage ) or an interest-only loan. When the federal reserve began raising interest rates, ARMs started resetting, increasing mortgage payments by as much as 25%.

If you took an interest-only loan to buy a dream house just before the housing bubble burst, prepare yourself for disaster. With prices declining, there’s a high possibility that if you can’t make your payments, you will have to sell the home for less than you owe—maybe a lot less.

“Wait ! There must be a way out.”

You could take an equity loans on your house—assuming you have enough equity to make it worthwhile, and that you can handle the equity loan payoff. Although you could try a credit counseling agency, and IRS inquiry in May, 2006, revealed that the 41 so-called credit counselors they examined were of virtually no benefit to consumers. Investigations into other agencies are on-going.

“I can always go bankrupt.”

Recent changes in federal bankruptcy law have made the procedure so expensive that people in dire financial straits cannot even afford the filing fees. While people often think that declaring bankruptcy means you can toss out your bills and just pay cash until your credit rating improves, the new laws demand a payback percentage to creditors. Credit counseling is now mandatory, although the chances are you will find yourself paying a bogus “credit counselor” for nothing more than a checkmark on your bankruptcy record that you’ve completed the counseling.

“Is There a Reasonable Solution ?”

Yes. Think about it. If you need more money to pay your debts, then you simply need to make more money. This doesn’t mean you need to go out and search for a new job in a crazy job market. It simply means that you need another income source to add to those you already have.

Ideally, you need to find a way to bring in extra income without undue stress on yourself and your family. You should still have some down time for relaxation. If this sounds impossible, there is good news : It can be done. Thousands of other people have already proven it.

If you're determined to get out of debt, a home-based business is a viable method for generating a genuine second income. It’s a far cry from working for peanuts at a night job in a retail store, warehouse, or fast-food joint. You’ll save money on commute time and gas, and the only equipment you’ll need is a computer and a telephone.

Your first goal will probably be to heave a huge sigh of relief as you realize your balances are declining and you’re getting ahead. Like many others, you may discover that you were always cut out for running your own business and increasing your personal wealth more every day.

Your second job could become so rewarding that you will decide to make it your only job. Imagine working from the comfort of your home, interacting with people who started out just like you and are now making fortunes.

The way to financial solvency - even wealth - is open now.

If you're ready to pop that steadily swelling debt balloon—ready to shape your future the way you’ve dreamed it could be - you can begin right now.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Baby Boom - Or Bust ?

Baby Boom - Or Bust ?

In the eighteen years between 1946 and 1964, over 78 million babies were born in the United States. World War II had been good for the American economy, pulling it out of the Great Depression for good.

During the “fabulous 50s,” unprecedented industrial growth provided steady employment and rising incomes. The four-child family became the ideal, along with a house in the suburbs, two cars in the driveway, and that wonderful new invention, the television, in the living room. One-income families were the norm - and for the middle class at least, one paycheck was enough to supply families with an increasing number of luxuries and new experiences.

While many boomers have invested wisely for retirement, the majority have just not saved enough. There have been incredible social and economic changes since the 1950s, when boomers grew up with an innocent confidence that life could only get better.

Unlike their fathers, who were likely to stay with one company and draw a sizable pension, many boomers have job-hopped - sometimes out of boredom or a desire to find work that would make them happy, and sometimes because of mergers, layoffs, outsourcing, and early-retirement buyouts.

Skyrocketing housing, education, and healthcare costs have depleted retirement nest eggs as boomers have found themselves sandwiched between college expenses for their children and care for their elderly parents. The increased frequency of divorce has also left many boomers with much less in their IRAs and 401Ks than they thought they would have.

Then there are those who have put aside nothing at all. Perhaps they followed the advice in the popular 70s song “Cast Your Fate to the Wind.” Or perhaps they lived paycheck to paycheck and simply never had anything to save.

How Much Will You Need For Your Financing Retirement ?

In 2008, the oldest of those 78 million boomers will turn 62 and will qualify for reduced-rate social security payments. In the decades that follow, more and more will qualify. As most people know, social security replaces only about 40% of pre-retirement income. Investment advisors suggest that retirees will need 60-80% of their pre-retirement income in order to maintain a comparable lifestyle.

But that assumes that their expenses will decrease - that retirees will simply put themselves on austerity budgets and make up the shortfall. Unfortunately, even if they want to be more frugal, it won’t be easy. Supplemental Medicare policies and long-term care insurance are new expenses retirees must absorb, and property taxes, home and auto insurance, energy costs, and food expenses will all continue to rise.

The Worst That Could Happen ...

Boomers’ biggest fear is that a healthcare crisis will use up funds they’ve set aside for retirement. Medical advances allow people to live much longer than in the past, but their quality of life is often not the best, and spending for prescriptions that prolong life is through the ceiling.

Boomers are worried about living out their final years in an unpleasant but expensive nursing home, or having to ask their children for help. This fear is another factor that fuels the desire to accumulate just a little bit more money and take less from retirement nest eggs so they’ll be able to grow and the funds will be available when work is no longer an option.

How Will Boomers Find Needed Funds In Retirement ?

There was a Associated Press survey reported that the majority of boomers hope to retire from their current jobs at around age 63. However, 66 percent anticipate they will work for pay after retiring. Twenty-seven percent will continue to work out of financial necessity, 43 percent because they can’t picture “sitting around doing nothing,” and 19 percent so that they will have money available for extras they could not afford on their retirement income.

The majority of boomers foresee neither full-time leisure nor full-time retirement, but a combination of both. With 30 years of retirement a real possibility, they are looking for challenges, not rocking chairs. Some plan to launch new careers or use their skills as volunteers. Others say they will go back to school, start their own businesses, or try to turn a profit from a hobby.

Are You a “Wealth Builder” or “Stretched and Stressed” ?

In The New Retirement Survey, Harris Interactive and Age Wave questioned a diverse population and identified five different types of soon-to-be retiring boomers : the "Empowered Trailblazers," the "Wealth-Builders," the "Leisure Lifers," the "Anxious Idealists" and the "Stretched and Stressed."

** About 18% were “Empowered Trailblazers,” people who look forward to retirement because they see it as a progression to another phase of life. About 90% in this group plan to work some after retirement, but they will also be busy with travel, volunteering, taking or teaching classes, and generally enjoying anything new that comes along.

** “Wealth Builders” ( 20% ) are looking for more financial security for themselves and their families, and money is the main reason 79% will continue to work after official retirement.

** “Anxious Idealists” ( 13% ) worry that they do not have enough money to retire, especially since they want to leave an inheritance for their children and a legacy to charitable organizations.

** “Leisure Lifers” (13%) just want to relax. They’re sick of work, probably never liked their jobs, and definitely don’t want to work after retirement. They had low income levels and did not save enough, but they figure “someone will do something” to help them if they get into trouble.

** The “Stretched and Stressed” ( 18% ) are well aware that they have not saved enough for retirement. They will work because they have to, but they don’t look forward to it. This group is the least optimistic.

You have an 82% chance of identifying with a group that feels it needs more money for retirement. With the economy in constant fluctuation and costs of necessities rising steadily, it’s no wonder that most people fall into the “I need more money” category. Peace of mind means knowing not merely that you will somehow be able to survive, but that you’ll have the funds to allow you to enjoy the happy retirement envisioned by the “Empowered Trailblazers.”

YOU Control Your Future.

Fortunately, no matter how old you are right now, it is very possible to become a “Wealth Builder.” This doesn’t mean you have to become a workaholic or even keep working full time. Instead, you can build an income generator that will provide funds for you to invest now and to fund your retirement for many years into the future. And you can do it in the privacy and comfort of your own home, or even from your RV or vacation hotel.

As long as you have Internet access and a telephone, you can build a successful business that will quickly transport you from a state of anxiety and pessimism about retirement to one of financial confidence and security—ready to enjoy the rest of your life in a style you may never have imagined possible.

Is There Still Time To Start ?

Absolutely. Obviously, the sooner you get started, the better. Home Based Business is the best opportunity. There are teams of skilled business professionals is ready to take you through the steps of building a home based business that can free you from worrying about the future. If you are ready to take control and secure your financial future, you’ve come to the right place ...

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Home Based Business - Without All The Headaches of Traditional Business

Home Based Business - Without All The Headaches of Traditional Business

Why Home Based Business ?

There is a very simple way of attaining this goal that has worked well for millions of people. You can have your very own business in your home, and you can cross off all or most of the steps listed above. The best part of exploring home-based business opportunities is that there is little risk and the upside is tremendous.

Many of the inconveniences and pressures of the traditional business are wiped away with the home business. The biggest roadblock to starting or buying a business is that they require a considerable up-front cash investment.

In addition to the large investment, the time commitment you must make when starting a business can ultimately turn out to be far greater than what you have experienced in any job, and the return is not necessarily worth the extra time or the financial risk.

Home Business is the opportunity that is truly shaping your life and allowing you the freedom to live out your dreams without all of the headaches and costs of traditional business.

You may go to "Home Based Business" in my blog to learn more ...

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

What Does It Take To Start Your Own Business ?

What Does It Take To Start Your Own Business ?

How many times have you, or someone you know, said something like "I've always wanted to have a business of my own. Something I'd really enjoy doing. Be my own boss."

Lots of people have the dream, but they get bogged down in the details of how to go about it. While this article isn't meant to serve as a complete business start-up guide, but it will give you an idea of some of the steps involved in starting your own business.

1. ) Hire Professionals

The most important professionals you'll need at the beginning are a lawyer and an accountant. The lawyer can help you decide if you want to be a corporation, partnership, sole proprietorship, or some other type of company.

A good accountant can help you make this decision based on which will be most advantageous to you from a tax angle. A lawyer can also help you register your business and get any licenses and permits you will need, and can advise you about patenting your idea or protecting your intellectual property by requiring everyone you discuss your business with to sign non-disclosure or confidentiality agreements.

2. ) Make a Business Plan

You may need to hire a writer or other business professional to help you write a business plan. You'll need one to help yourself get organized as to what your business's main purpose or goal will be. This could be anything from serving hot dogs to people outside the home improvement store to providing technology support to major players in the business world.

Either way, you need a plan that sketches out how you will proceed toward your goal and an estimate of how much money you'll need to get there. What will your equipment costs be ? Will you be hiring employees ? How about renting office space ? All of these cost estimates should be included in your Business Plan.

3. ) Get Financing

How much start-up money will you need ? Do you have savings you can use ? Friends or business associates who might want to invest in your venture ? Or do you need a bank loan ?

Whatever the situation, you'll need to present a copy of your business plan to bankers or investors if you need to borrow money to get your company rolling.

4. ) Set Up Your Record-keeping System

A good accountant can advise you on the best record-keeping software for your business, and help you set up a system for keeping track of payables, receivables, sales tax, payroll, employee benefits plans, and so forth. You will be relying on the accountant for at least your yearly tax return for your business, and possibly for quarterly payroll and sales tax returns. Your accountant can also get you an EIN number ( Employer Identification Number ).

5. ) Find a Location

Depending on your business, location may be very important. If you need to be visible to the public ( say your business is a bookstore or restaurant ), then you'll have to think long and hard about where you should set up shop.

Location can make you or break you-and the rent is due no matter which way your fortune turns. You will also need to get a phone, get the utilities turned on, install your furniture and equipment, and get a sign or two that shouts "Hey look ! We're here !"

6. ) Set Up Accounts with Credit Card Companies

Every brick-and-mortar business these days takes plastic or they don't stay in business. You'll pay a small percentage for every credit or debit card transaction a customer makes. You will need to invest in a method for checking the validity of debit and credit cards-like those "Slide Card Here" machines at cash registers everywhere.

7. ) Hire Employees

You may not need to do this step if you're a one-person operation. Maybe you can get by with just one part-time person to answer phones and do some of the paperwork.

Of course, it depends on your business. You can probably run a small bookstore by yourself, but even a tiny restaurant means you'll need a cook, several servers, someone at the cashier, and so forth. You'll need to have them complete various forms for the IRS, and you may want to run background checks or at least check some references before you hire anyone.

8. ) Promote Your Business

Decide how you will let people know you exist, what you can do for them, and why they should come to you instead of someone else. Common forms of advertising are TV and radio commercials, newspaper ads, flyers, and coupons that appear in booklets distributed by local companies.

The list above might make you think twice about starting a business of your own. Perhaps you aren't looking to make such a financial commitment regarding the hiring of professionals, finding a location ... And it's also a big, big risk.

But let's look back at the way this article began : "I've always wanted to have a business of my own. Something I'd really enjoy doing. Be my own boss."

Than, what should you do ?

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore