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Most workers are too young to remember the days of corporate paid medical insurance and defined benefit retirement that people could have all of their careers and through retirement. Autoworkers are probably going to lose some of theirs soon. Even Wall Street’s exploitive financial wizards are losing jobs and perks. My heart bleeds.

Not that we can feel really sorry for Wall Street. This writer lost everything twice when an employer was taken over by groups of Wall Street investors. 2 weeks pay doesn’t last long.

Workers over 40 are typically the first to go because they are seen by companies to be the most expensive to retain and insure and support into retirement. Most of us barely feel grown up by that age but it doesn’t matter. Age discrimination laws have not been helpful at all for these workers or even for those older than 50. The risks involved in being an employee no longer seem worth the possible gain. Neither does constant moving seem worth it to families.

Congress has been uncaring at best and aided and abetted the process at worst. Workers are bearing the brunt of the loss of manufacturing and other industries while Congress fiddles, uncaring of what happens to tax payers. What happens when no one has money to pay taxes because they don’t have jobs?

Many people have been forcibly pushed out of corporate life. We decided we had to have a more secure and settled lifestyle even if we had to be self-employed.

Years ago people didn’t want to be self-employed because of the financial risks. But these days a job with any kind of big company is pretty risky. The stresses are incredible. People feel that if they work a hundred hours a week they will be less likely to be laid off, but it makes little difference in reality. Big companies are more likely to lay people off in order to raise their stock price, regardless of whether the worker is working hard or not. Then many corporate workers get transferred frequently and have to move their families, too. Those moves are hard on everyone but they are especially hard on kids. The benefits of being an employee have eroded so much that it is becoming less and less attractive.

Medical coverage is no longer much better for employees than it is for independent and/or self-employed people. You have a lot more choices you can control if you pay for your medical coverage yourself. Even if you are an employee, you have a good thing if you keep a continuous medical policy that breaks your employer’s hold on you in the event of a boss who is a jerk or abusive. Too many bosses and even companies don’t treat employees very well. The stresses get to them too and they get cranky.

So wake up and smell the roses. The next time you are updating your resume or searching for jobs online, stop and think. That time could be better spent developing entrepreneurial skills as well as preparing financially for a voluntary or unfortunately an involuntary move to work for the greatest boss in the world, you.

Ron Stone is a lifestyle and financial professional. Among his companies is an insurance agency specializing in low cost coverage for people with pre existing health conditions. Learn more about the surprising benefits and affordability of pre existing conditions insurance at his websites, Pre Existing Insurance and Guaranteed Health Insurance

know everyone knows that compound interest is a good thing right? However do people actually realize the incredible wealth generating power of compounding interest if kept up at a steady pace. This article is going to explain how great a power compounding interest is and what we can do to harness that power to generate unending wealth for you.

If you have an investment that earns 12% for 20 years you can do great by using comp interest at 12% to increase your account. The 12% interested is usually achieved in a conservative mutual fund account over a period of many years. That is a great way to look at compound interest a slow growing multiplication process that reproduces money over time. But lets rework this in our minds to get even more wealth generating results. If you change the period of 12% a year to 12% a month or 12% a week or could we dare imagine 12% a day. The results of change those periods are astronomical if we change the results to 12% a month our return on investment for a year would be 144% a year that would be nice after 20 years, you bet it would.

After 20 years it does not matter how much you money you start investing with your end result would be staggering, you would be wealthy. The key to wealth is to always increase your payout, the word is multiplication. Most people never get ahead financially is because they make the same pay year after year or they get small percentage raises every year.

How do you multiply your income?

The answer to that question for me, is the Forex Market. Forex is the world currency exchange market where money is bought and sold. You make money in the Forex Market by trading currency. If you are trained in the Forex Market it is easily possible to increase your income by 5% every week. At the end of two years you will be ready to retire.

The Forex Market is a challenging Market and most traders lose money and do not make a profit and 5% go broke. However if you have a plan, are well prepared and have the discipline to follow the plan. It is possible to succeed. Most new businesses fail no matter what area of business they are in. The reason they fail is because no planning or discipline to follow the plan.

What are you waiting for, make your move to have the life you have always wanted. You can succeed if you are willing to do what is necessary.

Casey Stubbs is a Forex Trader that publishes a web site dedicated to educating traders for success. He has a daily trding blog, a interactive trading school, trading tutorials, articles and more. Forex Trading School in his trading style. His web page is Forex Trading School

In short, yes you should care about business credit.

Business owners typically fall into one of three categories when it comes to biz credit.

1. They are very familiar with it and have established scores with the 3 national business credit agencies for their company. Their vendor accounts and credit cards report good payment history in their business name only and their personal credit is not tied to their business.

2. They are somewhat familiar with business credit and they may have a Paydex score with Dunn and Bradstreet. They also might have credit vendors and credit cards, but do not know if they are reporting their good payment history to the business credit agencies. They use their personal name and credit on most, if not all, business transactions.

3. They exclusively use their personal credit to finance their business and do not know the benefits of biz credit, or that it even exists at all. Their personal credit and assets are tied so closely to the business that if the company failed, their personal financial situation would be destroyed as well.

Unfortunately, many business owners fall into the two latter categories, or somewhere in between. It is hard to blame them since there is such a great deal of false or conflicting information floating around in terms of biz credit, especially on the internet.

There are very few sources out there that provide unbiased information about what business credit is and how to establish 3 good business scores. So how does biz credit help a company and how does one build a solid credit profile?

Having a good business credit foundation not only protects the owner’s personal credit and assets, but it also makes larger and less expensive financing available to a business including bank loans, alternative financing, business credit cards, lines of credit, vendor credit etc. Access to this type of financing can allow your company to:

-Free up working capital

-Take advantage of business opportunities

-Purchase/lease revenue generating equipment

-Grow and expand, etc.

The protection that separate business credit scores provide to a business owner’s personal finances cannot be understated. Many business owners end up destroying their own personal credit at the expense of their business, but it does not have to happen this way. There many tricks and tips that can be used to set up a business the right way in terms of credit. Any business, from brand new startups to 10 year old companies, can benefit from some of these tips.

Once the importance of business credit is understood, the next step is finding out how to build your scores. The main thing to remember is the number sequence 1-3-5. To establish a good credit profile for your company, you will need to get 1 business bank loan, 3 business credit cards, and 5 vendor lines of credit. These all need to report to at least one of the credit agencies in your business name only.

Personal guarantees are OK, as long as the credit account only reports in your business name. If you give a PG, whatever you do, make sure you do not pay more than a week late or miss a payment. This will defeat the purpose of trying to build up your business credit profile.

Jarrett Pflieger holds a BA in Entrepreneurship and is a featured writer for http://businessfinance.com. Get your free business credit building system today at http://www.businessfinance.com/business-loans.htm.

In case you haven’t heard home based businesses are at the foundation of the revolution going on in the business world today.

There’s a self employment opportunity out there for you if you are into being your own boss, spending less time commuting, spending more time with your family and who knows maybe even making more money. Interested yet?

Millions and millions of Americans are scrambling right now to make ends meet. Many have part time jobs to make some extra money but often even that is not enough. Hope you are not waiting for the Feds to bail you out.

The two most powerful words in marketing are ‘fast’ and ‘easy’. It usually implies a get rich quick scheme which this is not. It is however a fast and easy way to make money in a new home based business.

This home based business allows you to get started today and make money in a week.

I went thru 2 MLM companies and decided finally that wasn’t for me-kind of a slow learner!

Because of personal circumstances I was drawn to marketing and selling self defense products like stun guns, pepper sprays, personal alarms, Tasers, hidden cameras and home security devices.

Have you ever been involved in an assault? How about a home invasion or burglary? Or know anyone who has? Crime touches just about everyone. Don’t get me wrong here. This is not about getting even or revenge-the worst motivation for doing anything. It is only to make a point as to the scope of the problem-huge and growing daily so it seems.

You can do something that is not only personally fulfilling but financially rewarding too.

Becoming a self defense products distributor selling stun guns, pepper sprays, Tasers and more will give you the opportunity to make extra money by starting this business either part time or full time from your home.

There are many ways to market these products that are hard to find, high impulse and literally sell themselves when folks see them.

Crime unfortunately isn’t going away anytime soon. The demand for these items is huge and growing every day.

Establish a wholesale account today and be the first to market and sell Self Defense Products to retailers and small businesses in your town.

All it takes to get going is the determination to be successful and $3 for a catalog. It is really that easy to get started.

If you are good at marketing and sales and love helping people especially to defend themselves this could be the opportunity you have been looking for.

The longest journey starts with the first step. Nothing is going to happen unless you take action. What are you waiting for?

Please note: stun guns and pepper sprays have restrictions in some cities and states.

Jack Krohn owns ‘Security Solutions’ and is the author of over 400 articles.

Get a Self Defense Products catalog. Put ‘wholesale’ in the comments box for a catalog and a wholesale price sheet/order form.

Get more information about SELF DEFENSE PRODUCTS WHOLESALE.

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There is one main energy that can take you out of business extremely fast and that is the energy of competition. I can honestly tell you that when I first started off in business, I spent a lot of time surfing through the Internet reading newsletters of other folks who were out there doing work that was similar to myself. The mistake was not the researching; the mistake was not the reading and not even just the witnessing or acknowledging what others in my area were doing; the mistake was the feeling and the energy that it generated in me.

That feeling and energy was very closed. As soon as I saw something that somebody else was doing, it was like a dagger through my heart. I would immediately feel like, ‘What’s wrong with me? Why am I not doing that? I should be doing that. How can I make that happen for me and really, really fast?’ And I would set off on this whirlwind of taking what I had just seen and trying to immediately put it into action in my business.

Sound familiar?

But what I learned from this was very important. I learned:

(1) I was miserable;
(2) I was constantly in a place of feeling like I didn’t measure up.

And as a result those two energies were immediately activated in my business, so whatever I did actually end up creating in my business, didn’t go very far. It didn’t have a powerful effect and half the time, I can honestly tell you I didn’t really know what I was creating anyway – because I didn’t feel connected to it. The only thing I really felt was fear – that I wasn’t doing what I needed to be doing in my business, and whatever I was doing wasn’t good enough because it wasn’t like this other person that I had just read about, heard about, or looked at. It created this huge outpour of energy – a lot of really frantic wheel-turning and wheel spinning that really didn’t produce very many results.

What I’ve since learned and am now here to share with you and what I am holding as an intention for you is to evolve from the energy of competition to the energy of collaboration.

So let’s start right now … what I’d like you to do is to get a piece of paper and draw a triangle. Then divide this triangle into 5 sections. I’d like you to leave the most room at the top; I’d like you to make this a big triangle.

The first level at the bottom, label ‘Playing NOT to Lose’. This level right here is where we operate from doing just enough to get by. You can think about this level in the sense of ‘I’d better perform or else I’ll be in trouble’.

The next level up, level 2, label ‘Playing to Cruise’. This is activating just enough energy so you can continue to move forward but in a very status quo way. This has you operating from a bit more than just enough, but you’re just cruising along. There really isn’t much movement or much growth.

That brings us up to level number 3, ‘Playing to Improve’. So here is where a shift in beliefs begins to occur. This is the beginning of a new way of operating, a new way of being in business, and a new way of just being in life overall. It’s the beginning of the understanding ‘Maybe I can actually create more than I thought. Maybe I’m better than what my past has had me believing up until now.’ It’s this level when entrepreneurs really begin to actively engage their thoughts, their feelings and their energy in connection to whatever task is at hand for the sole purpose of improvement: of your business, your life, your self.

And that up-levels you to level 4, “Playing to Compete’. This is where you begin to believe that you’re capable of beating out your competition and being the best. Again, a tough place to be in. The ego mind will tell you ‘You’ve arrived. This is the only way people succeed in business.’ It’ll definitely move you forward much more than 1, 2, and 3, but, as I shared before, it’ll only move you so far and it can have you feeling frustrated and asking the question, ‘Is this all there is?’

And that means you are being shown that you are ready to up-level to level number 5.

Level number 5, ‘Playing to Create and Playing to Serve’. This is the highest level energy that becomes activated when an entrepreneur moves from competition to creation. It’s about being able to be the best that you can be IN ORDER TO serve in the highest way. In this place you know that creativity and fear CANNOT co-exist. You “compete” only with yourself simply so that you can be available to serve in a better way and a higher way than you were yesterday.

This level, level 5, is rooted in a spirit-based consciousness that has you operating from thoughts of love and abundance. Fear and scarcity have no place at this level of thinking; this is where entrepreneurs are fearlessly seeking becoming all that you have the potential to become.

At this level, you are open to operating from a powerful belief energy. You are open to that deep, spirit-based knowing that you cannot fail. You can only learn and grow. And with this potential in front of you and your fear behind you, you’re able to move beyond the boundaries of competition, beyond the limitations of competition, beyond the energy of restriction that comes from competition, and then you are able to create. From this place, this spirit-based consciousness, you are then able to create what average entrepreneurs out there believe is impossible.

Then, everything in your business becomes fun because you really start to see it as a game of creation in which there is no way to lose, only gain. To allow yourself to continue to create and then that is movement forward. Always.

You are open, energized, and your business is in the energy of expansion…. Beautiful.

Your Call To Action

1. Really examine these 5 levels of an energy rich mindset.

2. Activate what I call energetic responsibility: take this moment to just be honest with yourself and identify the level that you currently inhabit most often in your business. Where are you operating from most of the time? There’s no right, no wrong and no judgment. There’s simply acknowledgment. Where are you operating from the majority of the time? Level 1, level 2, level 3, level 4, or level 5?

3. Make a commitment to spend as much time in level 5 energy as possible. And begin by brainstorming ways you can have yourself in that level 5 energy as often as possible, so that you can follow through on step number 2.

As an entrepreneur, it’s imperative that you have a system for gaining commitments from prospects (those people who you are really meant to be serving) that feels good, natural and joyful for you – and works, every time.

So how do you move prospects into clients like clock-work, consistently? Join me for this free-90 MINUTE-teleclass.
Free Selling Success Teleclass

If you, like many other people, have made the decision to tutor for money, then you have made a wise choice. There is a huge market out there for tutors.

With the higher academic expectations that are being implemented from year to year in schools, there is an increasing need for tutoring. There are a couple of different choices for someone who wants to tutor. He or she can either choose to work for a company that hires tutors, or he or she can choose to start a tutoring business on his or her own.

If you really take the time to consider the pros and cons of working for someone else as a tutor for hire, or starting up your own tutoring business, it is most likely that you will see that the decision to start a tutoring business will be more beneficial for you as a business person.

First of all, if you start your own business, you can set your own hours and days that you want to work. It will be up to you. That means if you need to tutor in the afternoon, or wait until the evening, or even offer tutoring on the weekends.

Next, the potential start up costs of a tutoring business are very low compared to the start up cost of other small or home based businesses.

In addition, all the money that you make from tutoring will be yours if you own your own tutoring business. When you work for someone else, they keep part of the profits. However, if you own the business, you can charge what you want, which is an average of $30-50 dollars per hour, and make much more money than you would working for someone else.

Deciding to start a tutoring business is also beneficial when it comes to taxes. There are special tax benefits for small business owners. Speak with your tax professional to learn more.

Last, but certainly not least, when you make the decision to start a tutoring business, you are embarking on a journey that is very rewarding.

Important Planning Steps

When you are about to start off in a new business venture such as your own tutoring business you can get all excited about the idea but forget to take some planning steps. These planning steps are critical to your success.

The first step should be developing your tutoring business plan. With a strong plan in place you are much more likely to be successful. However, you do not need to create a plan from scratch. With the available resources online you can quickly an easily find the assistance to get yourself started.

For example, by using business plan templates you can be sure that you cover all the areas needed in your plan. If you follow the steps you can create your business with very little start up capital, develop your business in a way that works for you and be able to effectively market your new company.

With their guidelines and steps you are able to quickly and easily get your business up and running. As any start up business owner will tell you, getting your business to make you money is the payoff for developing a good business plan and then executing on it.

Tim Heeter is the author and creator of How To Build A Tutoring Business, a 24-week training course teaching how to build a tutoring business step-by-step. Read more articles on starting a tutoring business at Build-A-Tutoring-Business.com