The Secret to Becoming Rich

by: Elise Fisher

Napoleon Hill, the author of Think and Grow Rich, believes that a person does not have to be a genius to become rich. Any person can become wealthy if he thinks positively and has a deep desire to achieve his goal.

Positive Thinking: You must see your financial dreams and know that you will be able to attain them. You must already own them.

If you begin making up every rationalization under the sun why you can't succeed, pinch yourself. You have to discipline your body and mind to think positive thoughts. Teach yourself that those kind of thought patterns are unacceptable. You can obtain greatness, even if you are not the smartest, most talented, or best looking person in the world. Success is your if you'll just allow it to come into your life. Don't underestimate the power of your thoughts.

Burning Desire: Hill tells a true tale of a man named Edwin Barnes who desired to become Thomas Edison's partner. Most of us would have scoffed at him had we lived back then. Edwin Barnes was a nobody. Nevertheless, he had a deep desire, a life dream, and he was determined. He went to Thomas Edison and convinced him to hire him. He did not instantly achieve his dream, but he worked hard and ultimately became Thomas Edison's partner. This was a feat everyone thought was impossible.

Edwin Barnes followed these 7 steps to gain this great success:

1. Choose a definite dream.

2. Put all your energy into that dream.

3. Be willing to do menial work at first.

4. Visualize your dream.

5. Form a strategy.

6. Endure through the hard times.

7. Eliminate any way to retreat.

As you focus on obtaining your goals, answer these questions: What is the exact amount of money I want? What am I willing to sacrifice for it? What exact date do I want this money by? What is my strategy?

Don't forget, to successful people, there is no such thing as "defeat." What looks like defeat is no more than a great opportunity. Start creating opportunities out of failures and being successful today!

NOTE: Use of this article requires links to be intact.

About The Author

To learn more about obtaining wealth visit our Rich Dad Poor Dad page. A college student herself, Elise Fisher enjoys writing articles to help college students learn more http://About-Student-Loans.com and other finance options.

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A Hard Look at PPC, Click Fraud and the Alternatives

by: Bill Platt

With the creation of the Overture and Google Adwords systems, many webmasters believed they had finally hit the mother lode. It was no longer necessary for small online businesses to invest large amounts of money into Search Engine Optimization (SEO) services to gain high search rankings in the natural search results.

Even webmasters committed to SEO campaigns began to realize its fleeting nature. Given frequent search engine algorithm changes, optimizing a website was no guarantee that in 6 months or less it wouldn't be back to square one and page twenty of the search results.

PAY-PER-CLICK SEARCH ENGINE (PPCSE) PLACEMENT

With the advent of the PPCSE model created by Overture, and followed by Google Adwords, webmasters felt like they had finally found the level playing field that everyone talks about. Hiring a SEO company was no longer necessary to crack the top search engine results. A Page One placement could be purchased and often for far less than the cost of a SEO company's services.

Webmasters discovered that they could get traffic to their website for as little as one cent per click.

Pay-per-click, however, has evolved over the last 5 years and not to the benefit of most webmasters. Although five cents is currently the average starting bid price at most major search engines, many sought after keyword terms can cost as much as $30 - $50 per click. Given the increasingly competitive nature of PPC advertising and spiralling costs, many small- to medium- sized businesses today might be better served hiring a good SEO company to search optimize their websites.

WHO IS CLICKING YOUR PAY-PER-CLICK LINKS?

There are four types of people who click on pay-per-click ads. Knowing who these people are helps explain why experts keep telling us that 20% to 25% of all clicks on PPC listings are "fraudulent clicks".

Personality Type #1: True-Blue Prospects

These are the people for whom you have placed your pay-per-click ads. They see your advertisement; they like what they see; and they click your link to see if you can actually serve their needs.

Personality Type #2: Accidental Clickers

Every once in a while, even my finger misfires, and I click an advertisement that I did not intend on clicking. My first thought is usually, "Oh no...", and my first action is to find the back button.

I didn't mean to cost that person money by clicking his advertisement... but I did. It was an accident. Now, the advertiser has to pay for my mistake. That bites.

Personality Type #3: Jealous Competitors

I would like to think that all of my, and your, competitors are fine, upstanding people. And most of them are. But, there are some who are not, and they click on pay-per-click links just to be spiteful or just to cost their business rivals a few dollars.

Believe it or not, a good percentage of "fraudulent clicks" are believed to be clicks perpetrated by people against their competitors.

Personality Type #4: True-Blue Fraudsters

Not that long ago pay-per-click providers realized that there was tremendous opportunity in offering small website owners a method for cashing in on their limited traffic.

Today, a webmaster can go to any number of pay-per-click services, add a small piece of code to a webpage and start serving paid advertising the same day. Webmasters thus become revenue share partners with the PPC provider, splitting revenues with the PPC provider for each click.

Ethical webmasters, of course, put the needs of their advertisers first and focus on putting eyeballs on their website so that visitors can click on the advertising links.

But, the word "ethical" doesn't exist in the vocabulary of some webmasters. These are the "true-blue fraudsters" who believe in making "revenue at any cost... no matter who might be hurt by their actions." They devise schemes to have their own ads clicked in order to drive up their revenue share.

These webmasters, although a minority, are responsible for the vast majority of fraudulent clicks. And, they are the same people that should be taken out behind the barn, for a good old-fashioned flogging --- one lashing for each stolen dollar would be fine with me.

THE UNSEEN COSTS OF THE PAY-PER-CLICK SEARCH GAME

If the experts are correct in estimating that 25% of all clicks are fraudulent, then you are paying out 33% more than you should have to pay to get your business.

If you are converting PPCSE clicks-to-sales at a rate of $20 per transaction, then you should be aware that your actual conversion rate for non-PPCSE advertising would cost you an average of $15 per transaction. By escaping the pay-per-click search engine model, you could in effect make an additional $5 per transaction by cutting the fraud out of your marketing budget.

Personally, I would rather not pay the pay-per-click mafia the $5 a transaction that they are exacting against pay-per-click advertisers.

WHERE MY ADVERTISING MONEY WORKS BEST

I have always gained the best bang for my buck with pay-for-placement advertising. In a nutshell, I pay a monthly, quarterly or yearly fee to have my advertising seen on various websites. Banner advertising is always an option, but text links provide better click-through rates (CTR's).

At any one time, you can find links to my websites on dozens of other websites.

Here are a few examples of pay-for-placement, often referred to as "paid inclusion", advertising networks:

ISEDN.org Network: ( http://www.ISEDN.org )

The Independent Search Engine and Directory Network (powered by ExactSeek.com) is comprised of more than 200 specialty search engines, search directories and article directories. Through their system, you can buy quarterly or yearly top ten exposure (http://www.exactseek.com/featured_listings.html) for specific keyword phrases which are then shown through the ISEDN's 200 plus member websites. Their network claims to show paid inclusion ads 150 million times per month.

Pricing starts at $4 per month per keyword phrase and goes down according to the number of keyword phrases purchased. Quarterly and yearly rates for one keyword phrase are $12 and $36, respectively.

BraveNet.com Home Page Featured Advertiser Listing: http://www.adbrite.com/mb/commerce/purchase_form.php?zone_id=8181 4

BraveNet is the number one provider of free web tools in the world and through their AdBrite sales page you can purchase a 30 day text advertisement at the bottom of the Bravenet home page for $1500 or a 3 month advertisement for $3500. According to the Bravenet Media Kit ( http://www.bravenetmedianetwork.com/mediakit.php ), their network serves 500 million page views per month.

ColdFront Network: ( http://www.coldfront.net/index.php/content/view/100/50/ )

ColdFront serves the Massive Multiplayer Online Role-Playing Games (MMORPG) communities. With 150,000 unique visits and 12 million page views per month, they provide real advertising value, if your target market happens to be in this area. Paid inclusion can be purchased for $250 to $350 per month.

WHO LEFT THE BARN DOOR OPEN?

We put locks and deadbolts on our doors. In some localities, we put bars on our windows. We keep our valuables in safes. We keep our cars locked when we are not in them. We are a nation obsessed with protecting our valuables.

And yet, when we advertise our online businesses, we seem to be willing to let PPCSE providers steal 25% of our advertising budget? It boggles the mind.

Personally, I am done with PPCSE companies until they can assure me that my advertising dollars are protected from click fraud.

I have always relied on my own search engine optimization skills to strengthen my natural search results. And frankly, I am pretty good at it.

And, to supplement my own SEO efforts and organic search result placement sucesses, or lack thereof, paid inclusion currently offers me the best value for my money.

About The Author

Bill Platt is the owner of http://thePhantomWriters.com Article Distribution Service. Through his system, you can have your Free Reprint Articles sent to thousands of publishers and webmasters looking for good quality content. If you need someone to write articles for you, Bill's writers can create interesting articles on most any topic. If you would like to talk to Bill personally about his services, you can reach him from 9:30am to 6pm CST at: (405) 780-7745.

How A Published Author Can Become A Paid Public Speaker

by: Wendy Keller

A book is your golden ticket into the speaking business. If you had a book published by a "real" publisher within the last 12 months in your hands, you have the calling card you need to get those speaking engagements now.

Some authors-to-be and new authors have trouble figuring out precisely how to leverage that book into speaking. First, when the book is printed, ask the publisher for a few hundred copies of the cover, as "overrun." Usually you can have them free or at cost. They make large-sized, noticeable postcards to send to meeting planners to attract their attention.

Next, you want to get media. Radio, print, television appearances based on your book are all critical. Capture the name of the show, the host and the date you appeared and put it on your website, in your speaker's package, and in your file. Eventually, you will collect all of your TV clips and ask a professional video editor to combine it into an excellent montage. These will impress the heck out of a meeting planner and should be used liberally.

Now that you've got some ammo, and assuming you have a website touting your brilliance and your book, it's time to petition all those hapless meeting planners out there. Write letters, make phone calls, send post cards, follow up and be persistent.

You can buy a book of meeting planners in any industry online. Then, you make them your new friends. Go to their meetings. Hang out. Cold call them and be friendly.

I personally love cold calling. I also don't even notice rejection. I suggest you adopt my personality for a little while each day. In the speaker trainings I do, I make them all recite a mantra that will help their business. "The most important thing that I can do is make 12 calls between 10 and 2." That refers to the minimum I expect from a speaker-to-be. Make 12 calls each day to meeting planners, offer them you, a free copy of your book, send them a postcard thanking them for their time on the phone written on your book jacket cover, and make at least three follow up calls (or fewer if they tell you to quit calling.)

Make those 12 calls five days a week. Give them what they ask you for. If you do this, you will make 3,120 calls in a year. You will have gotten speaking engagements simply by the law of averages. Your investment of time will be small, but results can be huge.

Good luck!

(c) 2007, Keller Media, Inc. Want to use this article in your publication? Reprints welcome so long as the article and by-line are reprinted intact and all links made live.

About The Author

Wendy Keller is a professional speaker, published author and book agent. Her company Fame Finders delivers a proven marketing, training and promotion system to help successful people become famous authors and professional speakers. Her system provides a clear competitive advantage for successful individuals who are now ready to lead the field. If you're ready to become a thought leader and famous speaker visit http://www.famefinders.com today.

How Much Debt is Too Much?

by: Jo Ann LeQuang

People have a certain threshold or tolerance for debt. Most of us can tolerate a little bit of debt. How much debt is all right? And when are you in over your head?

Most of the time, the decision that you have "too much debt" is made emotionally. That is, you have too much debt when you feel you have too much debt.

So why do some people panic over small debts but others sleep like babies even when they owe tens of thousands?

The answer is that people have an emotional sense of how much debt is acceptable. The danger is that this personal gauge is highly unreliable. You may have gotten it from your family situation, past experiences, or what you saw on TV or in the movies. Your debt style also involves your own maturity level and self control.

We also have an emotional response to what is unacceptable, which is sometimes called "hitting rock bottom." For some people, hitting rock bottom is having a car repossessed. For others, the repo man was a familiar character from childhood.

Hitting rock bottom may be the day you cannot make minimum payments, the day you lie to a spouse about an overdue bill, or the threat of impending homelessness. In other words, the emotional response and not the event itself is what defines a "hitting rock bottom" moment. One man's rock bottom is another man's standard of living.

So when is debt too much debt? On a purely emotional level, many people hit "rock bottom" when the first calls from bill collectors start to come.

Getting hounded by a professional bill collector is tough. Some people cope, but others find it embarrassing, humiliating, and shameful. For some people, it may take an intervention of friends or family members to drive home the point that the debt is getting out of control. Others may wait till they are evicted or sued.

So how much is too much debt?

First, it's not a question you should answer emotionally. Most entrepreneurs have nerves of steel when it comes to debt and financial risk taking, but most of them do not carry a lot of personal debt. So the amount of debt you can tolerate emotionally is not the governing factor; in fact, it should not even be taken into account.

Debt is financial and the only way to evaluate financial things is to look at the big financial picture.

Your financial report card is something called your "net worth." You can do a reasonably good snapshot of your own net worth without hiring an accountant or doing a bunch of fancy stuff. Just write down all of the money you owe. If you have credit cards, list all the balances. If you have loans, list all of them. If you have a mortgage, add that. Take all of these debts (the accountants would call these "liabilities") and add them together.

Now take everything you own. This includes the contents of any bank or investment accounts you have, your retirement account, stock portfolios, and so on. If you own a house (even if it's mortgaged), add the fair market value of the house. If you have vehicles (cars, boats) add them in. It is fair to add in the value of your furniture, electronics, and clothing, but be very conservative. It may have cost you thousands to build the wardrobe hanging in your closet, but it's doubtful you could convert it to very much cash. Don't count what you spent, count what you could get if you had to sell it today. Add everything together to get what accountants call your "assets."

Now subtract liabilities (what you owe) from your assets (what you own), and you have your net worth.

I hate to disillusion you, but the number should be positive. And it should be thousands.

There are some reasons for a low net worth. For those who are just starting out or those just starting over, your net worth may be low because you have not had chance to amass any assets. You may have just gone through a major medical disaster or other catastrophe. The other reason your net worth may be low is a lot of debt.

Now look at your income and your monthly bills. Don't worry about total debt here, just look at what you spend each month versus what you bring in. Take some pencil and paper time here. Does your out-go exceed your income? That's a debt-making machine. Until you turn this around, you're going to keep your debt growing which, in turn, will keep your net worth negative.

If you can't make minimum payments, if you are adding to your debt each month, or if you are really unsure of your financial states, you are probably in need of some financial help.

Certified credit counselors can help and there are lots of excellent books and programs on the market aimed at getting you debt-free. There are even free resources. For instance, your local banker can probably help you come up with a financial plan to manage your debt, including things like debt consolidation.

If you're wondering if you have too much debt, you probably do. One of the great financial secrets of the truly wealthy is this: no debt. It's possible for even ordinary people to live debt free.

The bill collector or the repo-man are not the first signs of debt problems; they are really symptoms of a prolonged period of too much debt. When the warning signals come, even if we are not rattled by them, we should take firm steps to dig ourselves out of debt. The difference between too much debt and being destroyed by debt are just a few missteps.

About The Author

Jo Ann LeQuang writes about debt management solutions and is a frequent contributor to websites. For information on debt consolidation, check out http://www.Debt-Consolidation-Diva.com .

How Much Debt is Too Much?