PLEASE REMEMBER: not all riches are counted in money!

This section has been closed for a couple of years. I've decided to re-open it. Times have changed and now, unquestionably, one of the biggest stresses people face is the financial crunch. I'll share with you what I have learned since then. There may not only be enough to get through the recession here - but actually to make some money, while everyone else struggles!

SCROLL DOWN FOR SOME GREAT FINANCIAL HEALTH RESOURCES!

Your home business options

Probably the most attractive options are starting an Internet business and (for some) MLM or network marketing.

Of course MLM has a horrible reputation. That's because of all the insane advice out there, telling people to hassle friends and family and anyone within 3 feet (the so-called "3-foot rule"). It's crazy, of course. Any normal business would look for customers who WANT the product and have expressed an interest in it, not try to make family and friends buy it!

It all comes from the lie they try to promote, which is you are not selling. Oh Yeah? You might suspect the real reason they try to say that is that the product is crap or grossly over-priced and that nobody in the real world would actually buy it!

In fact there are several big lies in MLM, damned lies, that keep people struggling (lies never work, do they?). Ann Sieg, a clever lady I know, has compiled a free 35-page booklet called "The 7 Big Lies Of Network Marketing". I've read it and it's refreshing. If you've been burned by MLM you should definitely read it; it'll make you laugh (or cry).

As you may guess, Ann Sieg is not out to trash the MLM industry; it's to tell you how to do it properly. If you follow her advice, you need never hunt for prospects but have them come to you, ready to join your business organization (hint: the Internet is a very new and helpful dimension in MLM).

I have a free downloadable copy of Ann's eBook. Just give me your email address here and I'll get a copy to you, no strings attached.

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J.F. (Jim) Straw made over One Million Dollars ($1,000,000) in less than 60 days ... over $50,000 in 15 minutes ... on one single deal. When he told a friend what he had done, his friend made $20,000 in 3 weeks ... without any money ... doing the same thing. -- Find out how they did it.
I want $1,000,000 Jim

Make a Fortune without selling anything ... without starting a business of your own ... without leaving your present job ... without trying to expand any business you currently operate ... in your spare time. -- Become a "Finder" and earn exceptional fees. -- Almost everyone who tries to earn Finder's Fees actually does - but - most of them never get paid.
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Will you be the next Mail Order Millionaire? WARNING! -- Over 90% of the information on the market about "how-to" Get Rich in Mailorder is a bunch of pure Bull-Stuff! (You know what I mean.) -- Not only will you NOT get rich in mailorder using that information ... you will probably lose a bundle of money trying to make it work for you. (If you haven't already.) -- Learn the only proven & repeatable method of making money in mailorder ... almost without fail.

All kinds of money health sites:

There are so many personal finance resources online that it’s hard to know where to start. These sites have the information that you need to get a great start on 2009:

Blogs

1. Get Rich Slowly: This blog started as a personal financial journey, but has grown into much more.
2. I Will Teach You To Be Rich: While most personal finance blogs focus on cutting costs, this one pushes readers to increase their income, instead.
3. WiseBread: WiseBread offers an amazing community of writers.
4. Yielding Wealth: When it comes to keeping track of news in the personal finance sector, Yielding Wealth is always on the spot with the facts.
5. The Simple Dollar: There’s a lot of great content on TSD, but check out the book reviews.
6. Mrs. Micah: Another ‘speaking from experience’ blog, Mrs. Micah is more detail-oriented -- her posts offer great tips on how to handle specific situations.
7. No Limits Ladies: If you’re interested in focusing more on the money-making side of personal finance, NLL talks about everything from real estate to building a business.
8. The Frugal Duchess: The Frugal Duchess herself released a book earlier this year, and her blog is full of the same level of advice she dispenses at the Miami Herald.
9. Five Cent Nickel: Full of practical advice and great deals, Five Cent Nickel offers a quick clue-in on all sorts of personal finance topics.
10. The Color of Money: The Color of Money is the Washington Post’s regular column about personal finance. You’ll find tons of great information that doesn’t always make it through the rest of the personal finance blogosphere.

Web Applications

1. Mint.com: Probably the most popular money management application online, Mint.com is continuing to evolve. Most recently, the application became available on the iPhone.
2. Wesabe: Another popular money management application, Wesabe is community-oriented. You can get lots of help and advice with any financial situation you encounter.
3. Shoeboxed: For a small fee, they’ll take care of sorting and scanning all of your receipts.
4. QuickenOnline: You can take advantage of the full power of Quicken online -- and for free. It’s a solid money management tool, based on Intuit’s years of work in the field.
5. Thrive: If you’re in your 20’s or 30’s, Thrive offers all sorts of personal finance help targeted just at you.
6. BillShrink: BillShrink helps you compare your cell phone plan and credit cards to make sure that you’re getting the best possible deal.
7. Rudder: When visiting several sites to manage your money is too much, Rudder provides a solution. It delivers all of your personal finance information straight to your email inbox, allowing you to control your money there.
8. SmartyPig: SmartyPig offers a head start on savings, allowing you to put money out of reach while you work towards a goal.
9. Billster: Sharing expenses among a group gets a lot easier with Billster. The site tracks shared bills and payments.
10. Xpenser: For an easy way to track expenses, consider Xpenser. It works through email, an iPhone app, SMS, IM and Twitter.

Resources

1. Consumer Reports: While Consumer Reports has gotten into blogging in a big way lately, the whole site is very useful even if you aren’t a member.
2. Bankrate: No matter what kind of financial information you’re looking for, Bankrate can lead you to it: loans, credit scores and taxes are just a sample of this website’s resources.
3. The Motley Fool: The Motley Fool’s main focus is investments, although it does provide resources for other financial topics.
4. Investopedia: Another site focused primarily on investing, the tutorials available on Investopedia provide a great education in a variety of topics.
5. CNN’s Money101: For a complete guide to your financial life, Money101 can’t be beat. It’s full of step by step lessons that walk you through all sorts of financial projects.
6. Tip’d: Tip’d launched this year; it’s sort of a Digg for money news. It’s full of great articles if you’ve got some time to spend reading.
7. Inner8: If you’ve been looking for a place to discuss investments with other investors, check out Inner8. This new site provides tools to a large investment community.
8. AnnualCreditReport.com: No matter what all those TV commercials say, the only place you can get all three of your credit reports for free is through ACR.
9. PayScale: For financial information about your salary, check out PayScale. The site provides information about just where your salary should be.
10. Kiplinger: Kiplinger offers solid personal finance advice on all sorts of topics, as well as current financial news.

SOURCE: Lifehack January 1, 2009

An Internet business from home

I spent the summer learning Internet marketing with a very successful organization. I'll be glad to share what I learned in this section. Keep a close look out.