Ways Young People Can Win With Money

Learning about money while you are still young is an awesome idea. Let me give you a few ideas that young people can use to really win in their financial lives.

Being realistic is key. And winning with money is realistic! This means you should use common sense, investigate investments, the markets, and the opportunities you are interested in. Read the fine print. If you were to take on debt, ask yourself if it would be worth it, or if the debt would be like an anchor. Again, be realistic. Look at the real consequences of the actions you could take. Good actions should be turned into habits.

Consider entrepreneurship. Write down business ideas. Learn the skills you need to succeed. See if your business idea is feasible by testing your product or service. If it is, type up a business plan, and get to work. Make the phone calls and do the web searches necessary to find the information you need.

Join a club or society for young entrepreneurs. Earn a business degree. The more you can learn about business, the better off you are. Being around and networking with other goal oriented, ambitious entrepreneurial types is a boon to your success. Being around the total risk averse and the complacent is not a boon to success.

Work hard at your job and / or at your business. Make a good name for yourself. If a job does not work out, do not trash your goal of being rich. Just keep plugging away and learn from your mistakes. Sales or customer service would be a good starting point if your first job is not running your own business.

While (and if) you live with your parents, sock away as much money as you can. W. Clement Stone once said, "If you can not save money, the seeds of greatness are not in you."

Learn about investments, by taking an investments class at your high school or college (taking a few more classes is better). Economics is good thing to study too. Finance and economics are tough courses but are very worthwhile. Read extracurricular books and read about your interests.

Winning with money is not always easy. Self discipline, sacrifice, frugality, hard work, managing risk, reading books, and holding on to your long term vision are essential to your success.

How to Use Your Phone for Music in Your Car

Smartphones have become an essential item for so many millions of people around the world. Many are completely lost without their trusted phone in their hand.

It is anticipated that by December 2013 there will be over 1.4 million smartphones being used around the world, which means that one in every five people will own one of these phones.

Smartphones have become so popular because they're multi-functional, a phone, sound system, navigational system and computer in one. For many their phones are worthless once they step into their vehicles. Driving and using a phone requires a Bluetooth headset and you can not use your phone to listen to music through the car speakers unless you have car MP3 players.

There are many ways people use their smartphones in their vehicles from FM transmitters, which never really work and constantly experience interference to cassette tape adapters, depending on the age of the vehicles sound system.

The FM transmitters increased in popularity for a while because they offered the convenience of being able to listen to music while driving through the vehicle speakers. These units plug into the lighter adapter of the vehicle and the phone plugs straight into the unit, you then spend a lot of time trying to sync the unit to a frequency on your car sound system, the music then plays through the speakers.

The biggest problem with the FM transmitters is that they lose signal and you will experience a lot of interference. Another problem is that not all vehicles come with a lighter socket anymore, which means that these transmitters are not a suitable option for all vehicles.

Those with older sound systems which took a cassette tape could use the cassette adapters. These adapters were car MP3 players for a while and are still in use by some vehicle owners.

With the cassette adapters, a cassette is placed in the sound system which has a headphone jack attached which is then plugged into the smartphone headphone socket. The music is then played through the car sound system. While this sees a practical choice, these options also came with a number of problems including static interference.

With the new car sound systems being introduced car MP3 players are readily available. The car head unit will have a headphone jack or USB port, enabling the vehicle owner to plug their smartphones straight into the car audio system and listen to their favorite MP3 songs through their car speakers.

The advantage to the car MP3 players is that there is no interference and the owner gets to enjoy all their favorite songs while on the move.

As previously mentioned we use our smartphones for just about everything these days, including keeping playlists of our favorite music. Being able to listen to our music through our MP3 players is a huge advantage which reduces expenditure in the long run.

We pay to download songs to our phones, but then we have to purchase CD's for the vehicle, this means many car owners are purchasing the same song more than once.

Investing in car MP3 players can reduce the amount of money spent on purchasing music, while offering the convenience of having all the music on one device whether you're driving, walking the street or at home.

Many of the car systems these days also offer Bluetooth functionality, this enables the owner to listen to music, make and receive calls directly from their car sound system, using the speakers to hear the voice. A microphone is attached to the vehicle, offering crisp and clear music and phone calls while on the move.

Dumbest Ways Internet Marketers Lose Money

I've made some stupid Internet marketing sales mistakes in my day. Some real bad ones, too.

The kind that, when thinking back, make me wince at the sheer idiocy of it all (this includes selling online, offline, belly-to-belly, by phone ... the whole ball of wax - but especially on the Internet).

Below are a FEW of those mistakes. If you find yourself making any of them, fear not.

Even though almost everyone does at least 1 or 2 (probably more) of these at some time in their lives, they are quickly and easily fixed. In some cases, even immediately fixed.

Ready?

Okay then, here goes ...

* Using pressure (or worse, intimidation)
* Waiting too long to take action (this has gotten me WAY too many times, and I shudder to think of all the sales I've flushed down the toilet because of this ...)
* Using "frothing at the mouth" claims
* Not respecting the customer's intelligence
* Selling a weak product
* Bad customer service
* Stealing (or excessively swiping) ads and sales letters
* Not collecting mailing list info (I'm still amazed how few websites do this every time someone visits their site - it's like stealing from themselves)
* Bragging without proof
* And last (but certainly not least) ... Using manipulative "tricks and tips" ... instead of proven psychological principles that are in perfect harmony with the way people think, buy and actually LIKE being sold by.

Anyway, here's the bottom line:

Methinks the black hat Internet marketers using all the head games and so-called "mind control" techniques (right ...) have no idea how much that nonsense turns people off.

Sometimes it's actually kind of amusing.

Managing the Manager

Your organization has decided to outsource a project to an external firm. In some cases, the organization may allow your team to manage the project, but more often than not, the organization may want full return and to manage the engagement themselves. What does this mean to the project manager from the client organization? Depending on your company's project management philosophy (ie do they see project management as a scheduling function, or someone that truly manages the project and risk), this type of agreement may be more challenging than you first think. While it may be helpful to have the outside assistance, it may require a change in your normal approach and project management function in order to provide, effective, external team support and oversight.

I've been in situations where I was the contractor that has had customers instruct me on the process they would like to use and others that have allowed me to use my organization's expertise to deliver the best result. I've also been in situations where my organization is the customer who has outsourced a project and was responsible for truly managing the external resources and other situations where requested to allow the contractor to exert full control over the management, using their own approach and practices .

While the specific approach needed should be tailor to your specific situation and organization, I fine one of the more unequally challenging situations is when you outsource an engagement, including the management / oversight and project approach. While there are always opportunities for learning and growth, the last scenario can be difficult and even confusing for a strong project manager. The level of authority and your role will depend very much on your organization's perspective on project management. If you are put in this type of situation, my suggestions are:

1. Clearly Understand Roles & Responsibilities : Regardless of the scenario, clear role definition is an essential first step. You'll need to understand specific role expectations from both your organization as well as your contractor. Defining what the contractor is responsible for all the way down to communication with your organization is also important.

2. Be Prepared to Be a Passenger : Not being responsible for running the project can be tough for strong project managers who are asked to interface with the external consulting organization, especially where there are deviations from your recommended approach or where you identify areas for improvement and their process is set in stone. Understanding the roles and responsibilities of all involved will help you understand where you can provide value and where you can intervene. You may also need to prepare yourself for having more of an administrative role than an orchestration or technical role. Understanding who does what will help reduce the push and pull between organizations.

3. Ensure There is a Sound Escalation Path : While you may not have direct authority, you will want to understand what types of items can be escalated and when. You'll also need to ensure you have the proper support within your organization. The lack of direct and indirect authority, plus no support does not make for a prosperous environment.

4. Utilize Lessons Learned : Reviewing prior projects, especially those with many of the same variables is useful for educating the organization and can even assist your contractor. Continue to collect intelligence on what works well and what does not work well, even if you do not have direct control over changing the immediate situation. This information can be useful for not only the current situation, but future endeavors.

5. Educate Your Organization on the Value of Project Management : Even though you may not have direct control over the project or even the support you need, never give up on educating the organization and vendors on project management value and best practices. Hopefully the contractor will apply the same project management rigor you would, but if not, there is always a positive takeaway for you personally and hopefully professionally for your organization. Help educate your organization on your discoveries, the impact of these discoveries and the lessons you have learned through prior experience. Project management is not for the fault of heart, but requires tireless perseverance. Show your organization why you are in your role and the tremendous value this function can provide your organization.

There is always something to be gained and learned from each situation. While outsourcing to an organization that owns the management of the project may not directly utilize all of your project management skills, it will certainly help develop new ones.

Trying To Make Money With No Money Does not Have To Be Difficult

All to often people give up on the initial idea of ​​trying to make money with no money online. There are a lot of people pulling profit from the internet and many that will share their knowledge if you have the true desire to get ahead.

Running a business online is not so much different to that of an offline business. It is a lot more technical but since you online anyway the answers to all your questions you have along the way are right at your fingertips. To get those answers your best friend is going to be Google. Or whichever search engine you use. Just pop your question in there and you're good to go.

There are sites that pay you for your services online. So if you have a particular skill you can simply freelance your work and get paid for your services. Sites get "elance" and "get a freelancer" are places you can register.

If that is not up your street you can start your referral business. A referral business is what is known as affiliated business models. Some of the commission can be quite high and it is relatively easy to set the process up.

Affiliate business owners often get the sense that they need to sell a product. Honestly if you are looking to sell someone else's product, let them do the selling. An affiliate will refer customers to a good deal. If the product owner can not sell it, it's a waste of time and probably your customers money as well.

If you are good at writing you can get paid for that through revenue sharing and if you can learn the art of writing good copy, ten you could stand to make a lot, either from freelance work or getting involved with search engine marketing using pay- per-click.

When it comes to pay-per-click there is a lot of cash being pulled from the search engines but this is for further along in your business. To make money with no money online, the AdSense program through Google can work wonders. Also some publisher sites share the revenue they get with you. Other advertising networks provide the same sort of service and let you publish ads on your web space. That does not mean you need to shell out for a website. You can make money with no money on free to use services. Try Blogger for a fresh new website and an online address of your choosing. Need an easier platform. Try Squidoo.

There are a couple of big names that are great at teaching free to use sites. Try Potpiegirl, or "bum marketing method". (Travis Sago)

These two folks are true gold mines when it comes to business start-ups for free. They started me up before I moved to the other side of the fence and started using PPC marketing. That was starting out trying to make money with no money. It does get easier. I started my business only months ago and went leaps and bounds from having no direction to owning my own site.

Motorcycle Safety Myths

Whether you are a new rider or you have been riding for many years, you may have heard - or may even believe - some of the much-circulated motorcycle safety myths. If you take actions based on those myths, some of them could get you injured or even killed.

If you know a biker who believes any of these myths, be sure to direct them to this article!

Myth 1: Bikers Wear Leather Because it Makes Them Look Cool

While leather does look cool, that's just a bonus. Leather, because of its unique properties, is very protective against abrasions, cuts, and scrapes. It's also very warm, even with the wind chill caused by riding on a cool day. Biker leathers are usually made from cowhide because it provides more protection than buffalo hide or pigskin. We know a rider who front wheel slid on some new, wet street tar, and he slid right underneath the pickup truck that had stopped in front of him. While he had trouble traveling "no problem," to the cop who showed up, and his shoulder was sore for weeks afterwards, absolutely all he had to show for his spill was a black abraded area on the right shoulder of his brown leather jacket. Obviously wearing leather is no excuse for recklessness, but it can certainly help minimize bodily surface damage.

Myth 2: Drivers in Cages Do not Give a Hoot About Bikers

It's not that they do not care - it's that they do not see you. They're not looking for someone on a motorcycle. You can help these drivers see you by wearing motorcycle safety equipment, such as a bright helmet and brightly colored clothing. Motorcycle helmets do save lives, that is a fact. You can hear and see quite well with even a full-faced helmet. Also, have the proper safety equipment on your bike, including brighter-than-stock lights or extra lights.

Myth 3: The Louder the Pipes, the Safer You Are

If you've ever ridden in a group, you know you can barely hear the bike behind you. And the bikes on the side of you are not that loud either, unless they are right next to you. So no, loud pipes are not going to make people driving cars aware of you, especially if they have their noses buried in their cell phones, are eating, putting on makeup, reading, or are otherwise distracted.

Myth 4: Lay the Bike Down if You Are Going to Crash

This is the worst thing you can do. When you slide, you have a good chance of getting burned beyond belief by the exhaust or you could slide under a vehicle. Instead, learn how to brake effectively. The one time that it might be better to lay the bike down is if you are on an elevated roadway, such as a bridge, and the only alternative is to fall over the guardrail to your death.

Myth 5: Surface Streets are Safer than Highways

Many people believe surface streets are safer than highways because of the slower speeds. However, they are actually more dangerous since you have traffic coming at you from all sides, and often unexpectedly, since it is so difficult for drivers to "see" motorcycles. You have people pulling out of side roads, parking lots, and driveways. It's bad enough when someone turns right on red and cuts off a car because they're in a big hurry, but when that person does it to a motorcycle, there is more damage than just a busted fender. Highways are safer since you are all going in the same direction - unless you have some drunk guy driving in the wrong direction.

Do not Believe Motorcycle Safety Myths!

You may have heard many more motorcycle safety myths. Do not believe them. If you hear something that sounds suspicious, do some research just to see how true it is. Having the proper safety equipment will save your life more so than doing something crazy like dumping your bike on purpose.

Money Or Excuses - How You Doing?

What is difference between those who make money and those who do not. Its been stated by successful people with certainty and congruence, "People can make money or excuses but they can not make both."

This is the truth. All of us come to this world with choices in our financial life. We have the choice to keep moving forward with perseverance and responsibility for every step we take of the process, or just stop and let everything we did go undo or slow down. Well, I am sure you know what path to take for getting the results you want. Unfortunately, most people stop and never dig deep to their dreams.

Well, when people first strive to go for their dreams about making money, they quickly stop when the going gets tough, and they look for people who will agree with them, so they can stop - and they do. Unfortunately, they never reach the level they had in their dreams which was - work on the Internet from home. Think about it, making money or an excuse is a choice everyone has in life. Which legacy would be the best to leave your kids? We are leaving a legacy behind one way or another.

The Internet has open an awesome opportunity to most of the world. As far as financial means, we can earn money on the net. So I could not create an excuse good enough even if I wanted to. I had to put my head down and ignore the comments many people had for me, since I worked so hard and long without making money on the net.

Going back to that quote, I have found so much more truth on "money or excuses" statement. I mean is not that life? I have the tendency to get lazy and listen to the wrong people and I also feel like quitting. I realize the price successful people went through, and I make it a reminder in my own life, whenever I weakened to the common human level.

My question to you - How are you doing? Are you choosing the good life or are you settling for the common one? Have you ever notice that every time we encounter a difficult challenge, we look around for the wrong people, because we are not looking for strength or direction, but we are looking for sympathy. You need to ask this questions. You might find these questions a way to determine your journey.

Am I focusing on success or failure during my progress?

How am I thinking about my future as I follow my progress with the ups and downs?

Do I believe in the system that I am following or am I looking for a good excuse?

I have two ideas that can help you on your weak moments and stop you from derailing into excuses.

Focus on moving forward-lift your partners and update your goals and your system to reach them.

When you look back, just check your improvements and how else can you improve the past - all about improvement.

The people who succeed are the people who prevail, and make no excuses - because there is NONE !!!

Respectfully,

Efren Maldonado