You may be wondering why I am discussing the financial crisis in a newsletter about relationships! Don’t worry, I have not lost the plot… what is happening at the moment in the world of banking can be related back to some fundamental emotional problems and the way that we try to compensate for these through materialism. We can therefore learn a great deal about our relationships and how to avoid the equivalent to the credit crunch in our personal lives.

The problems we have seen in the financial world have affected us all. We will all pay a price for the imbalances that have been allowed to develop around excessive amounts of unsecured borrowing. In short we have been living way beyond our means and the system has caught up with us. Somehow we thought that wealth and material success would make us happy. Perhaps we thought that a bigger and better house or flashier car would be the answer. We haven’t notice it, but the developing word has been paying a price for our greed for many years and now we must also face up to reality.

We can use the Psychology of Vision model to understand what has gone wrong – in fact it has been predicting the sort of problems we are facing now for years. We can understand them as an example of Independence. As individuals we become Independent to avoid being Dependent on other people for our success and happiness. Underlying this is a subconscious decision to never rely on another person again so that we cannot be let down and hurt as we were in the past. This fear of dependence comes from our earliest experiences in our original families whenever bonding is disrupted. In such situations we often take on guilt and develop low self-esteem for having failed significant people in the family – usually our parents and siblings.

Rather than feel our guilt and sense of failure we decide to avoid such close relationships with people and at the same time suppress our emotions so that we can never feel that dependent again. In work and life we will begin to replace the intimacy and love within close relationships with money and material goods. We try to control others to bring us the material success that we want and to make sure that our fear and guilt is never triggered through failure. Everything we do to achieve success involves things outside us rather than trying to find contentment within – this is the crux of the problem and has led to the credit crunch.

Any early successes as an Independent just encourages us to greater Independence – it seems to be the strategy for happiness. The more we get, in terms of money, power and influence, the happier we conclude that we will be. This is what has happened in a collective way in our society. We have used our material wealth to distract us from the inner quest – both emotionally and spiritually. We have assumed that we can succeed without emotionally meaningful, intimate relationships and have used materialism to distract us from the need to heal our fears and insecurities. The economic growth in the last 10-15 years has allowed us to maintain the illusion that we can borrow and spend our way to happiness.

This Independence has created some very unpleasant behaviours. Our Independent ego’s can be terribly selfish and greedy. We may criticise the bankers for their obscene bonuses, but the truth is that many of us have invested in what was a burgeoning housing market or searched out the most lucrative investment returns. I have had to eat humble pie myself as I find my savings frozen in an Icelandic bank! The reason we can act in such a greedy way is because Independence destroys empathy. With our emotions suppressed we stop feeling the consequences of our selfish behaviour and actions. We stop caring about other people and just look after number one. This is how the banking industry took such ridiculous risks – they had become blind to the consequences of their actions and in any case knew that somebody else would bail them out if it all went wrong. Of course for every winner in a commercial deal there is always a loser. Most of us would rather not think about the people who suffer. Even the plant has taken a hit – our rampant industrialisation may have made our lives more comfortable but the environment is picking up the bill.

So what does this teach us about our relationships? Independence always creates problems for us. As we separate and create an emotional distance in our relationships we stop feeling the full range of our emotions and when we do this we lose empathy. The worst thing of all is that we become blind to the people around us and their problems – we may not notice that our partner is hurting and needs our help. Instead we will make everything about us. We will look for external gratification and seek every more exciting rewards at work and in our personal life – but fail to address the growing problems in our relationships.

Ultimately though we cannot continue with such Independent behaviour forever – it catches up with us with stress and burn-out or the mid-life crisis catches up with us. In the Psychology of Vision model we reach the Dead Zone. Our relationships begin to fail and we are thrust back into our feelings of Dependence that we had defended so vigourously. The parallel in the financial and commercial world is exactly what we are seeing now. The pack of cards that is built around Independent corporations comes crashing down and we stare failure in the face. The very fear that drove us into Independence is now realised. This is the problem with an Independent strategy – it brings about the very thing that it is supposed to protect us from. In our relationships we become afraid of intimacy and the full expression of our emotions – both positive and negative. At best, we end up living half a life and cannot feel the joy and freedom that true partnership can bring. At worst we see a credit crunch in our relationships – not this time about money, but about a bankruptcy of love.

Let us hope that the current problems in the financial world are an opportunity to move to more Partnership and cooperation. Everything that happens to us both good and bad can be seen as a learning opportunity. We can re-build the banking sector as an industry that is emotionally intelligent and really cares about people. It would be in service to the people of the world rather than in competition with it. Perhaps this is somewhat idealistic give the egotistical track record of man, but at least we can choose to live in Partnership within our personal relationships. We can recognise the dangers of Independence and move towards people with open hearts. By feeling our emotions and communicating and healing our fears we can form much better, sustainable relationships, which then become a model for the people around us and for business.

Most of us are facing financial worries with the credit crunch. This article discusses the causes of these problems and compares them to our romantic relationships. By making parallels it provides us with some pointers to how we might improve our relationships.

Peter J Granger

GLOBALIZATION- OPPORTUNITIES AND CHALLENGES

(with impact on Indian Economy)

Introduction

Indian economy had experienced major policy changes in early 1990s. The new economic reform, popularly known as, Liberalization, Privatization and Globalization (LPG model) aimed at making the Indian economy as fastest growing economy and globally competitive. The series of reforms undertaken with respect to industrial sector, trade as well as financial sector aimed at making the economy more efficient.

Globalization has many meanings depending on the context. In context to India, this implies opening up the economy to foreign direct investment by providing facilities to foreign companies to invest in different fields of economic activity in India, removing constraints and obstacles to the entry of MNCs in India, allowing Indian companies to enter into foreign collaborations and also encouraging them to set up joint ventures abroad; carrying out massive import liberalization programs by switching over from quantitative restrictions to tariffs and import duties, therefore globalization has been identified with the policy reforms of 1991 in India.

Impact of Globalization of Indian Economy

At the present, we can say about the tale of two Indias: We have the best of times; we have the worst of times. There is sparkling prosperity, there is stinking poverty. We have dazzling five star hotels side by side with darkened ill-starred hovels. We have everything by globalization, we have nothing by globalization.

Though some economic reforms were introduced by the Rajiv Gandhi government (1985-89), it was the Narasimha Rao Government that gave a definite shape and start to the new economic reforms of globalization in India. Presenting the 1991-92 Budget, Finance Minister Manmohan Singh said: After four decades of planning for industrialization, we have now reached a stage where we should welcome, rather fear, foreign investment. Direct foreign investment would provide access to capital, technology and market.

In the Memorandum of Economic Policies dated August 27, 1991 to the IMF, the Finance Minister submitted in the concluding paragraph: The Government of India believes that the policies set forth in the Memorandum are adequate to achieve the objectives of the program, but will take any additional measures appropriate for this purpose. In addition, the Government will consult with the Fund on the adoption of any measures that may be appropriate in accordance with the policies of the Fund on such consultations.

The Government of India affirmed to implement the economic reforms in consultation with the international bank and in accordance of its policies. Successive coalition governments from 1996 to 2004, led by the Janata Dal and BJP, adopted faithfully the economic policy of liberalization. With Manmohan Singh returned to power as the Prime Minister in 2004, the economic policy initiated by him has become the lodestar of the fiscal outlook of the government.

The Bright Side of Globalization

The rate of growth of the Gross Domestic Product of India has been on the increase from 5.6 per cent during 1980-90 to seven per cent in the 1993-2001 period. In the last four years, the annual growth rate of the GDP was impressive at 7.5% (2003-04), 8.5% (2004-05), 9% (2005-06) and 9.2%(2006-07). Prime Minister Manmohan Singh is confident of having a 10% growth in the GDP in the Eleventh Five Year Plan period.

The foreign exchange reserves (as at the end of the financial year) were $ 39 bn (2000-01), $ 107 bn (2003-04), $ 145 bn (2005-06) and $ 180 bn (in February 2007). It is expected that India will cross the $ 200 bn mark soon.

The cumulative FDI inflows from 1991 to September 2006 were Rs.1, 81,566 crores (US $ 43.29 bn). The sectors attracting highest FDI inflows are electrical equipments including computer software and electronics (18 per cent), service sector (13 per cent), telecommunications (10 per cent), transportation industry (nine per cent), etc. In the inflow of FDI, India has surpassed South Korea to become the fourth largest recipient.

India controls at the present 45% of the global outsourcing market with an estimated income of $ 50 bn.

In respect of market capitalization (which takes into account the market value of a quoted company by multiplying its current share price by the number of shares in issue), India is in the fourth position with $ 894 bn after the US ($ 17,000 bn), Japan ($ 4800 bn) and China ($ 1000bn). India is expected to soon cross the trillion dollar mark.

As per the Forbes list for 2007, the number of billionaires of India has risen to 40 (from 36 last year)more than those of Japan (24), China (17), France (14) and Italy (14) this year. A press report was jubilant: This is the richest year for India. The combined wealth of the Indian billionaires marked an increase of 60 per cent from $ 106 bn in 2006 to $ 170 bn in 2007. The 40 Indian billionaires have assets worth about Rs. 7.50lakh crores whereas the cumulative investment in the 91 Public Sector Undertakings by the Central Government of India is Rs. 3.93 lakh crores only.

The Dark Side of Globalization

On the other side of the medal, there is a long list of the worst of the times, the foremost casualty being the agriculture sector. Agriculture has been and still remains the backbone of the Indian economy. It plays a vital role not only in providing food and nutrition to the people, but also in the supply of raw material to industries and to export trade. In 1951, agriculture provided employment to 72% of the population and contributed 59% of the gross domestic product. However, by 2001 the population depending upon agriculture came to 58% whereas the share of agriculture in the GDP went down drastically to 24 per cent and further to 22% in 2006-07. This has resulted in a lowering the per capita income of the farmers and increasing the rural indebtedness.

The agricultural growth of 3.2% observed from 1980 to 1997 decelerated to two per cent subsequently. The Approach to the Eleventh Five Year Plan released in December 2006 stated that the growth rate of agricultural GDP including forestry and fishing is likely to be below two per cent in the Tenth Plan period.

The reasons for the deceleration of the growth of agriculture are given in the Economic Survey 2006-07: Low investment, imbalance in fertilizer use, low seeds replacement rate, a distorted incentive system and lo post-harvest value addition continued to be a drag on the sectors performance. With more than half the population directly depending on this sector, low agricultural growth has serious implications for the inclusiveness of growth.

The number of rural landless families increased from 35 %in 1987 to 45 % in 1999, further to 55% in 2005. The farmers are destined to die of starvation or suicide. Replying to the Short Duration Discussion on Import of Wheat and Agrarian Distress on May 18, 2006, Agriculture Minister Sharad Pawar informed the Rajya Sabha that roughly 1, 00,000 farmers committed suicide during the period 1993-2003 mainly due to indebtedness.

In his interview to The Indian Express on November 15, 2005, Sharad Pawar said: The farming community has been ignored in this country and especially so over the last eight to ten years. The total investment in the agriculture sector is going down. In the last few years, the average budgetary provision from the Indian Government for irrigation is less than 0.35%.

During the post-reform period, India has been shining brilliantly with a growing number of billionaires. Nobody has taken note of the sufferings of the family members of those unfortunate hundred thousand farmers.

Further, the proportion of people depending in India on agriculture is about 60 % whereas the same for the UK is 2 %, USA 2 %and Japan 3 %. The developed countries, having a low proportion of population in agriculture, have readily adopted globalization which favors more the growth of the manufacturing and service sectors.

About the impact of globalization, in particular on the development of India, the ILO Report (2004) stated: In India, there had been winners and losers. The lives of the educated and the rich had been enriched by globalization. The information technology (IT) sector was a particular beneficiary. But the benefits had not yet reached the majority, and new risks had cropped up for the losersthe socially deprived and the rural poor. Significant numbers of non-perennial poor, who had worked hard to escape poverty, were finding their gains reversed. Power was shifting from elected local institutions to unaccountable trans-national bodies. Western perceptions, which dominated the globe media, were not aligned with local perspectives; they encouraged consumerism in the midst of extreme poverty and posed a threat to cultural and linguistic diversity.

Social Services: About the quality of education given to children, the Approach to the Eleventh Five Year Plan stated: A recent study has found that 38 per cent of the children who have completed four years of schooling cannot read a small paragraph with short sentences meant to be read by a student of Class II. About 55 per cent of such children cannot divide a three digit number by a one digit number. These are indicators of serious learning problems which must be addressed. The less said about the achievements in health the better. The Approach to the Eleventh Plan concedes that progress implementing the objectives of health have been slow. The Report gave the particulars of the rates of infant mortality (per 1000 live births) for India as 60 against Sri Lanka (13), China (30) and Vietnam (19). The rate of maternal mortality (per 1, 00,000 deliveries) of India is 407 against Sri Lanka (92), China (56) and Vietnam (130).

Growth of Slum Capitals: In his 2007-08 Budget Speech, Finance Minister Chidambaram put forth a proposal to promote Mumbai as a world class financial centre and to make financial services the next growth engine of India. Of its 13 million population, Mumbai city has 54 per cent in slums. It is estimated that 100 to 300 new families come to Mumbai every day and most land up in a slum colony.

The cumulative FDI inflows (until September 2006) to the New Delhi region were of Rs. 27,369 crores and to Mumbai Rs. 24,545 crores. The two spots of New Delhi and Mumbai received 46 per cent of the total FDI inflows into India. The FDI inflows have in no way assisted in improving the health and environment conditions of the people. On the other hand, the financial capital of India and the political capital of India are set to become the topmost slum cities of the world.

To make Globalization Work

Under the phenomenal growth of information technology which has shrunk space and time and reduced the cost of moving information, goods and capital across the globe, the globalization has brought unprecedented opportunities for human development for all, in developing as well as developed countries. Under the commercial marketing forces, globalization has been used more to promote economic growth to yield profits to some countries and to some groups within a country.

India should pay immediate attention to ensure rapid development in education, health, water and sanitation, labor and employment so that under time-bound programmes the targets are completed without delay. A strong foundation of human development of all people is essential for the social, political and economic development of the country.

Though at present India appears to be dominant in some fields of development as in IT-ITES, this prosperity may be challenged by other competing countries which are equipping themselves with better standards of higher education. As detailed earlier, our progress in education has been slow and superficial, without depth and quality, to compete the international standards.

The government should take immediate steps to increase agricultural production and create additional employment opportunities in the rural parts, to reduce the growing inequality between urban and rural areas and to decentralize powers and resources to the panchayati raj institutions for implementing all works of rural development. Steps should be taken for early linking of the rivers, especially in the south-bound ones, for supply of the much-needed water for irrigation.

It should be remembered that without a sustainable and productive growth of the agricultural sector, the other types of development in any sphere will be unstable and illusory. Despite the concerted development in manufacturing and service sectors, despite the remarkable inflow and overflow of foreign reserves, agriculture is still the largest industry providing employment to about 60 per cent of the workforce in the country.

Mere growth of the GDP and others at the macro level in billions does not solve the chronic poverty and backward level of living norms of the people at the micro level. The growth should be sustainable with human development and decent employment potential. The welfare of a country does not percolate from the top, but should be built upon development from the bottom

References:

1. Globalisation and Poverty: Centre for International Economics, Australia.
2. Globalisation Trend and Issues T.K.Velayudham,
3. Globalisation and India Lecture: Prof .Sagar Jain, University of N.Carolina.
4. Repositioning India in the Globalised World Lecture: V.N.Rai.
5. Globalization of Indian economy by Era Sezhiyan
6. Globalisation and India’s Business prospective Lecture Ravi Kastia.
7. Globalisation and Liberalisation Prospects of New World Order Dr.A.K.Ojha, Third Concept An International Journal of Ideas, Aug 2002.
8. Globalisation: Imperatives, Challenges and the Strategies.

loveleenchawla
http://www.articlesbase.com/business-articles/globalisation-opportunities-and-challenges-684352.html

Playing lotto was never as much fun as now, as these days it is can be played absolutely free of cost. As the opportunity of playing free lotto has been made possible with the advent of the Internet in the contemporary times, increasing numbers of people are logging in to free lotto service providers online and are making great sums of money.

The free lotto not only provides them with an ability to use their wits to the best but also to make undreamt amounts of money. This is the basic reason why the world of online gambling is among those great industries that is growing at a very fast pace and is making place in the hearts of all free lotto lovers.

Free lotto means great recreation

Free lotto is regarded in those online games that provide the users with immense recreation and serve as one of the best ways to entertain oneself. It has all the elements of being entertaining as it involves a lot of thrill, excitement, anticipations and of course intelligence and wit. If you are also a free lotto lover then you can consider itself as blessed as the free lotto are now available online as well making them all the more accessible for you.

The online free lotto portals make it possible for you to play the free lotto independently as well as in groups. That is, you can either choose to play on an individual level, planning your bets and picking your numbers all on your own or you can make the decisions in a group along with several other players. When you play in groups, then you also get to learn the various strategies that the others use for winning in the free lotto jackpots. You can make use of these tricks of the trade later when you play free lotto on an individual plane.

Learning tricks for a sure win

With time and experience you will learn a lot of great tricks and strategies of playing the free lotto. With the help of these tricks you will know how to make the best bets and how to increase the probability of your winning the free lotto. The strategies that are used are not so intricate but need to be well considered before the final bets are made or the numbers are picked.

Like you must always begin with lower jackpots and should try playing in groups so that there are lesser risk factors. Then you must try and pick up unique numbers and not the most common ones, or the ones that made you win most recently. These are the basic two tricks that you win learn in the very initial of playing free lotto online.

You can actually find a wide range of free lotto online including pokers, bingos, karaoke, red dog, and casino wars, two up, four card pokers, blackjack, fero and three card pokers. You can also play the Caribbean stud poker, Australian pontoon and the Chinese poker online. The best part of the availability of this free lotto online is that you can access them any time of the day and can play for as long as you want. As there are no restrictions pertaining to the closing as there are in the real casinos or are there any other conduct regulations.

So, you can feel at ease at your house and play the free lotto for as much as you feel like, betting unintimidated and earn as much as you want.

Charle Chamblne

Many people study how to become wealthy as if it were a science. While there is always a certain amount of chance in everyone’s life, in many ways wealth building can be thought of as a science. Read on for seven of the most salient secrets to becoming wealthy.

1. Quit procrastinating. Putting things off until tomorrow is always a bad idea. Often procrastination is caused by an inability to make decisions. It’s not that we can’t make the decision, really. We just don’t want to take a chance on making the wrong one. So instead of living a little dangerously, making the decision, and leaping forward, we stay stagnated in one place. While rash behavior can certainly cause more harm than good, there is definitely something to be said for being able to make a decision and then make a move.

2. Believe in yourself. Many routes to riches involve selling things or ideas to other people. If you feel like you are not as good as others, that what you have to offer is somehow second rate, you will never reach your potential. Take the time to make a list of all the things you appreciate about yourself. The idea is not to become a pompous know-it-all. It is simply to build some confidence. You are as good as the next guy, and you have just as much a right to a piece of the pie as he does!

3. Use your time wisely. This is similar to not procrastinating, but a little different. If you sit down at the computer to do your work-at-home business, and find yourself checking your junk email or playing spider solitaire, it’s a safe bet your business is not going to be growing like it could. Successful entrepreneurs know how to focus on the task at hand. If you have a bit of trouble deciding where to start, assign yourself certain days or hours to spend on different tasks – Tuesdays you’ll tackle advertising, or for 2 hours each day you’ll make phone calls.

4. Don’t give up easily. Many businesses lose money during their first year or two, but grow to be quite profitable after that time. Keep on plugging. You will learn valuable lessons during the early years. Most notably, you will probably learn how to use your time wisely and not waste it chasing rabbit trails.

5. Don’t let rejection get to you. If you are trying to sell something, you are sure to get rejected from time to time. In fact, you will get rejected most of the time in all likelihood. Keep making calls and you are sure to find a favorable response eventually.

6. Don’t go into debt without a good reason. While you will probably need to borrow money to get your business up and running, you would be better off to stay away from credit cards to get the little things you want in your personal life.

7. Learn to like people. Invest in the lives of others and it will invariable enrich your own. Look for ways to brighten other people’s days and lighten their loads. It will pay off in a great attitude and many friends.

Terence Young
http://www.articlesbase.com/finance-articles/7-secrets-to-creating-wealth-50153.html

Massive cutting edge opportunity!!

The State of California is going to have a choice for its provider of ENERGY. Energy & Gas is currently a monopoly and depending on where you live you only have one energy provider.

Well, in a few months this will open up for free enterprise! We are positioned to take advantage of the ENERGY DE-REGULATION. MxEnergy is rated as the #6 fastest growing company in America according to Entrepreneur Magazine. Our company is the exclusive distributor.

Here is something I pulled from the Internet, it is a news clip that sheds some light on what we are going to do in California.

Check out this short clip CPA Earns $100,000 Monthly Residual income from Ignite http://www.youtube.com/watch?v=-FjNaxi6SZM

It tells how people are making record breaking incomes in Texas selling energy. Nobody even knows about de-regulation in California yet. In the next 60 days, if you are willing to work hard, the reward will be astronomical.

This is a business ownership in direct sales, where the more time you put in, the more residual, passive income

you will get. The possibilities are endless. Everyone needs Energy and Natural Gas. Our services to customers are fixed rate plans that are competitive to your current energy provider. In fact your current provider doesn’t lock rates. This is a no brainer for people to want. That’s why this company is exploding and that’s why you can be extremely successful.  To get in you will be buying a one time franchise buy in for $229 after your fast start.  That’s it.  Typically a franchise purchase is hundreds of thousands of dollars and the payout for say one franchise doesn’t even compare to this!

If you’re interested in earning a monthly five figure income with very little management, then I have the business opportunity that you may be interested in.

Email me if you would like to know more.

Best,

Brandon

bwbettes@yahoo.com

Brandon Bettes

It’s not uncommon for debt to spiral out of control, often fuelled by the high interest rates being charged. That’s why consolidating all your loans under one, much lower debt consolidation loan rate can be the difference between financial survival and financial defeat.

As soon as you combine your debts under a low debt consolidation loan rate, you’ll feel your financial stress ease. Immediately, your monthly payments will be much lower and your long term interest costs greatly reduced. That means more wealth for you.

There are a number of different debt consolidation options that take advantage of lower debt consolidation loan rates. These include home equity loans and personal loans (both secured and unsecured) which offer fixed terms and low interest credit cards and lines of credit which offer the flexibility of continued use.

Trying to make payments on credit cards and loans at various (usually high) interest rates can cause anyone to come unstuck financially. This sort of debt burden can also place a lot of stress on individuals, relationships and families as well as on the budget. Yet, if high interest rates on multiple cards and loans are causing the problem, have you considered that the solution might be one loan with a low debt consolidation loan rate?

By combining all your credit cards and other debts under one umbrella you not only have the convenience of one monthly payment instead of several, you can also have a low debt consolidation loan rate which dramatically reduces your monthly debt costs and provides huge savings over the term of the loan.

If you take out a fixed term debt consolidation loan such as a home equity loan or a personal loan, you will also ensure that at the end of the term you will be debt free. However, you need to take steps to control your spending and live within a budget. One very important step that you must take if you want to be financially free in the future is to cancel your credit cards and lines of credit once the balances have been paid out with your debt consolidation loan. If you don’t do this, life will provide you with many ‘emergencies’ and you will probably increase your debt again.

Other options such as low rate credit cards or lines of credit, while useful for ongoing payments, do not by their very nature require that the loan be paid off within a certain period of time. This makes it easy to stay in debt paying thousands of dollars in interest charges with no end in sight.

A professional debt counselor will not only be able to help you find the best debt consolidation loan rate available to you, he or she will also be able to help you design a workable budget and plan for a stable financial future.

Thomas Erikson
http://www.articlesbase.com/finance-articles/is-your-debt-growing-find-out-your-debt-consolidation-loan-rate-today-and-save-131587.html

Massive cutting edge opportunity!!

The State of California is going to have a choice for its provider of ENERGY. Energy & Gas is currently a monopoly and depending on where you live you only have one energy provider.

Well, in a few months this will open up for free enterprise! We are positioned to take advantage of the ENERGY DE-REGULATION. MxEnergy is rated as the #6 fastest growing company in America according to Entrepreneur Magazine. Our company is the exclusive distributor.

Here is something I pulled from the Internet, it is a news clip that sheds some light on what we are going to do in California.

Check out this short clip CPA Earns $100,000 Monthly Residual income from Ignite http://www.youtube.com/watch?v=-FjNaxi6SZM

It tells how people are making record breaking incomes in Texas selling energy. Nobody even knows about de-regulation in California yet. In the next 60 days, if you are willing to work hard, the reward will be astronomical.

This is not a get rich quick opportunity. But if you are a dedicated individual with a strong drive to succeed then that kind of success is possible for you, too. This is a direct sales position, where the more time you put in, the more residual, passive income you will get. The possibilities are endless. Everyone needs Energy and Natural Gas. Our services to customers are fixed rate plans that are competitive to your current energy provider. In fact your current provider doesn’t lock rates. This is a no brainer for people to want. That’s why this company is exploding and that’s why you can be extremely successful.

If you’re interested in earning a monthly five figure income with very little management, then I have the business opportunity that you may be interested in.

I can meet with you anywhere from SD to LA. Please let me know a date and time that works with your schedule and I can show you how to make $500 per month, $5000 per month, or $20,000 per month.

Email me if you would like to know more.

Best,

Brandon B

bwbettes@yahoo.com

Brandon Bettes

Writing my fourth article that will show you how to reduce your cost or provide more income.

The first two articles provided you with methods to reduce your costs to being online, or on the phone or on the TV. This savings would result in more money in your pocket by $60 to $100 per month.

Now, that savings is pretty good but let’s look at the other side of the issue. You have been spending money during the good economy. Now the economy has dropped way down and it is very stressfull.

If you are like the average American family, will have over $8,700 in credit card debt. Many of your friends and family or maybe even you have purchased a home and got an iffy mortgage. It is due and the housing market is down. Pretty scarry!

So you are looking for another source of income to pay for the balloon mortgage. The last article I told you about turn key businesses and how they can be pretty safe. Here is the article about a business that is very much a turn key business.

The company has been doing business for almost 16 years. At year number 5 it was listed as the fastest growing new business in America. The business is now in 19 countries and 3 continents and expanding to more. They are now doing over $500 Million in sales and growing. That’s rare in this day and age.

The company’s newest product is patented and will probably be in most homes within the next 5 years. Even though it has a patent it will not take its competitors long to reverse engineer and duplicate. But they will not be able to duplicate our distribution system and its involvement globally.

The company has been endorsed by Donald Trump. He only endorses his own companies but he likes our company and their products so much that he has given his name to the business and its products.

The company is the largest direct seller of Telecommunications products in the whole world. The average income for most new Independent Representative will be between $1,000 and $7,000 per month.

There income results from working 3 to 15 hours per week. So if you are looking for an additional income source, this is the company. If you are looking for a company that can help you become independent and provide you with financial and personal freedom then this is the company.

There are a great number of people that are making more than $10,000 per month. That requires more of a commitment. They are working 20 to 40 hours per week to make that type of money.

The business will provide you all the training needed and show you how to be successful. Even if you fail and give up where 100’s of 1,000’s have been very successful, the small amount of money invested can be used as a tax deduction but please check with an accountant or lawyer as I am nether.

So if this is what you have been looking for, don’t walk, run and please go to my web site listed in the authors box for more info. The information will direct you to my blog which has more info and then finally to the site where you can sign up.

This is your opportunity to become self sufficient and maybe even quit your current drudge you call a job. Wouldn’t that be wonderful to get out from your debt and have some extra cash or a solid income every month. Maybe even take that great vacation you have been wanting or buy that new car or buy a new house.

Whatever it is you want, with this opportunity and your hard work for the first 6 to 12 months can make you an exceptional living and live the life you have only dreamed about.

As Donald Trump says, “There are two types of people, Those that take advantage when opportunity presents itself and those that let opportunity pass them by. Which one are You?”

Lou Martiniano

As a Wall Street investment banking executive for many years, I discovered the power of invested capital to create companies, build new industries like biotechnology and the Internet, and create billions in stock market value. But as a business and life coach and spiritual teacher, I realized that our greatest resource is the inner wealth that lies within us — our spiritual or inner qualities such as insight, intuition, vision, and so on. Learning how to awaken and invest this tremendous inner wealth will enable you to reach your goals, increase your income, and find deep personal fulfillment.

Many have heard Russell Conwell’s story Acres of Diamonds about the south Asian farmer who sold his rather rocky farmland to go elsewhere to make his fortune. This seemingly poor-quality farmland later turned out to be the Golconda diamond mine, one of the richest ever discovered. How many of us judge ourselves as not being special enough, not being smart enough, not knowing the right people, or not having what it takes? Each of us is sitting on our own acres of diamonds, and we can choose to lament the cards that were dealt to us or to recognize that not only are we diamonds in the rough, but indeed, most of us are sitting on a huge treasure trove of inner assets that can be directly correlated to the material world.

 Share with the World What Is Uniquely Yours

Each of us has many choices of how to create income. Most of us spend the majority of our waking time in work-related activities. If you look at work as simply an activity that generates a paycheck, then ultimately you will have to find meaning in other parts of your life. Do what you enjoy, but if you enjoy helping people, you don’t necessarily have to work in a not-for-profit company. Recognize that the experience is more than just the work itself — what you bring to your work is a major part of it. When you begin to value yourself and what you have to offer, you will ultimately share with the world what is uniquely yours.

 British author J. K. Rowling wrote the first Harry Potter book with the little savings she had and some public assistance. But her most valuable investment was her great imagination, her ability to paint pictures with words, and her vision of a fantasy world of muggles, wizards, and dragons. Many of Rowling’s friends and neighbors certainly had some doubts as to whether she ever would make any money as a writer. Yet within ten years, Rowling’s unique Harry Potter brand, encompassing books, movies, and merchandise, was worth several billion dollars, representing a return on investment that dwarfed even those of the early shareholders of Microsoft.

Come from Your Strengths

When I was growing up, I was ashamed of the fact that I looked different from and was shorter than my classmates. What I would have given to have been six feet tall with blond hair and blue eyes rather than being five-foot-six and Chinese American. But when I went to Wall Street, one of the hottest fund managers was Gerald Tsai, a Chinese American who was born in Shanghai. I discovered not only that it was okay to be Chinese but that there were quite a few advantages to it. I could walk into a crowded room, and while I might have some difficulty remembering everyone, most everyone would remember me. Also, I had inherited a solid work ethic, and one of my gifts was my ability to take in what might be an overwhelming amount of information and be able to not only sort it out but glean insights from it.

Steve Jobs, the founder of three great companies including Apple Computer and Pixar Studios, had the gift of being able to blend creativity with precision, and insight with imagination. Apple, which competed against giants like HP, Toshiba, Sony, and IBM, not only gained a substantial market share but built generations of loyal Apple users. It was the collective investment of the founding groups of both Apple and Pixar that created the inspiration for their products, the impetus for their funding, and the innovations that made them leaders in their industries.

Invest Your Soul Currency

When you use your inner assets and direct them with intention and focus, you need only add love in order to harness what I call spiritual capital, the essence of source energy. The feeling of love, which is the soul’s real currency, is more than a feeling of well-being; it is creative, connective, and transformative. When you invest your spiritual capital, the return on investment isn’t merely monetary; it opens up limitless possibilities.

Here’s an example: My good friend and mentor the late Jay Wells always looked for opportunities to help people. He made friends easily because he was interested in others. Those qualities helped him become a successful businessman. One day while recovering from a routine hospital procedure, Wells started talking to the nurses and other patients and asked why there weren’t any TVs in the hospital. He was told that TVs were a luxury — there was one in each of the doctor’s lounges, but other than that, the hospital couldn’t afford them. He began by donating a few televisions to the hospital, and eventually this led to the formation of Wells National Services, a public company that became the leader in installing and renting bedside televisions to hospital patients.

 Joel Roberts, one of this country’s top media coaches, is another example of investing soul currency. For more than fifteen years, Roberts was the feisty, sarcastic, and often deliberately controversial drive-time radio host of one of the top-rated stations in the country, Los Angeles–based KABC. A music aficionado , Roberts was at a concert standing near one of the huge speakers when it accidentally blew out, causing him to lose almost all of his hearing in one ear and more than 60 percent in the other. After being at the top of his profession, he suddenly was unemployed. Or so he thought. Today Roberts helps authors, executives, salespeople, lawyers, publicists, and many others apply some of the same skills he used on the air, such as having a hard-hitting message, holding listener interest, and learning how to use news headlines to build a hook.

Living from Flow

Investing soul currency is much more powerful than simply investing money. Soul currency enables us to live from possibility rather than investing from fear and risk. From an open heart, we are able to share and to put ourselves in the flow of not only material prosperity but the deep fulfillment and inevitable right action that love always produces. The message we receive is one of greater connection — connection with those around us and with the collective good as well as a deep inner connection to Spirit that brings us fulfillment and a sense of greater purpose.

 Ernest D. Chu, a leading corporate finance expert, visionary, and strategic advisor to some of America’s best-run companies, has created more than $1 billion in market value for his clients. Of equal importance as his business activities are his spiritual pursuits. Chu currently serves as assistant pastor at Religious Science Ft. Lauderdale, the largest Religious Science church in the Southeast. His website is www.SoulCurrency.org.

 Based on the book Soul Currency. Copyright © 2008 by Ernest D. Chu. Reprinted with permission of New World Library, Novato, CA. www.newworldlibrary.com or 800/972-6657 ext. 52.

Ernest D. Chu

As a Wall Street investment banking executive for many years, I discovered the power of invested capital to create companies, build new industries like biotechnology and the Internet, and create billions in stock market value. But as a business and life coach and spiritual teacher, I realized that our greatest resource is the inner wealth that lies within us — our spiritual or inner qualities such as insight, intuition, vision, and so on. Learning how to awaken and invest this tremendous inner wealth will enable you to reach your goals, increase your income, and find deep personal fulfillment.

Many have heard Russell Conwell’s story Acres of Diamonds about the south Asian farmer who sold his rather rocky farmland to go elsewhere to make his fortune. This seemingly poor-quality farmland later turned out to be the Golconda diamond mine, one of the richest ever discovered. How many of us judge ourselves as not being special enough, not being smart enough, not knowing the right people, or not having what it takes? Each of us is sitting on our own acres of diamonds, and we can choose to lament the cards that were dealt to us or to recognize that not only are we diamonds in the rough, but indeed, most of us are sitting on a huge treasure trove of inner assets that can be directly correlated to the material world.

 Share with the World What Is Uniquely Yours

Each of us has many choices of how to create income. Most of us spend the majority of our waking time in work-related activities. If you look at work as simply an activity that generates a paycheck, then ultimately you will have to find meaning in other parts of your life. Do what you enjoy, but if you enjoy helping people, you don’t necessarily have to work in a not-for-profit company. Recognize that the experience is more than just the work itself — what you bring to your work is a major part of it. When you begin to value yourself and what you have to offer, you will ultimately share with the world what is uniquely yours.

 British author J. K. Rowling wrote the first Harry Potter book with the little savings she had and some public assistance. But her most valuable investment was her great imagination, her ability to paint pictures with words, and her vision of a fantasy world of muggles, wizards, and dragons. Many of Rowling’s friends and neighbors certainly had some doubts as to whether she ever would make any money as a writer. Yet within ten years, Rowling’s unique Harry Potter brand, encompassing books, movies, and merchandise, was worth several billion dollars, representing a return on investment that dwarfed even those of the early shareholders of Microsoft.

Come from Your Strengths

When I was growing up, I was ashamed of the fact that I looked different from and was shorter than my classmates. What I would have given to have been six feet tall with blond hair and blue eyes rather than being five-foot-six and Chinese American. But when I went to Wall Street, one of the hottest fund managers was Gerald Tsai, a Chinese American who was born in Shanghai. I discovered not only that it was okay to be Chinese but that there were quite a few advantages to it. I could walk into a crowded room, and while I might have some difficulty remembering everyone, most everyone would remember me. Also, I had inherited a solid work ethic, and one of my gifts was my ability to take in what might be an overwhelming amount of information and be able to not only sort it out but glean insights from it.

Steve Jobs, the founder of three great companies including Apple Computer and Pixar Studios, had the gift of being able to blend creativity with precision, and insight with imagination. Apple, which competed against giants like HP, Toshiba, Sony, and IBM, not only gained a substantial market share but built generations of loyal Apple users. It was the collective investment of the founding groups of both Apple and Pixar that created the inspiration for their products, the impetus for their funding, and the innovations that made them leaders in their industries.

Invest Your Soul Currency

When you use your inner assets and direct them with intention and focus, you need only add love in order to harness what I call spiritual capital, the essence of source energy. The feeling of love, which is the soul’s real currency, is more than a feeling of well-being; it is creative, connective, and transformative. When you invest your spiritual capital, the return on investment isn’t merely monetary; it opens up limitless possibilities.

Here’s an example: My good friend and mentor the late Jay Wells always looked for opportunities to help people. He made friends easily because he was interested in others. Those qualities helped him become a successful businessman. One day while recovering from a routine hospital procedure, Wells started talking to the nurses and other patients and asked why there weren’t any TVs in the hospital. He was told that TVs were a luxury — there was one in each of the doctor’s lounges, but other than that, the hospital couldn’t afford them. He began by donating a few televisions to the hospital, and eventually this led to the formation of Wells National Services, a public company that became the leader in installing and renting bedside televisions to hospital patients.

 Joel Roberts, one of this country’s top media coaches, is another example of investing soul currency. For more than fifteen years, Roberts was the feisty, sarcastic, and often deliberately controversial drive-time radio host of one of the top-rated stations in the country, Los Angeles–based KABC. A music aficionado , Roberts was at a concert standing near one of the huge speakers when it accidentally blew out, causing him to lose almost all of his hearing in one ear and more than 60 percent in the other. After being at the top of his profession, he suddenly was unemployed. Or so he thought. Today Roberts helps authors, executives, salespeople, lawyers, publicists, and many others apply some of the same skills he used on the air, such as having a hard-hitting message, holding listener interest, and learning how to use news headlines to build a hook.

Living from Flow

Investing soul currency is much more powerful than simply investing money. Soul currency enables us to live from possibility rather than investing from fear and risk. From an open heart, we are able to share and to put ourselves in the flow of not only material prosperity but the deep fulfillment and inevitable right action that love always produces. The message we receive is one of greater connection — connection with those around us and with the collective good as well as a deep inner connection to Spirit that brings us fulfillment and a sense of greater purpose.

 Ernest D. Chu, a leading corporate finance expert, visionary, and strategic advisor to some of America’s best-run companies, has created more than $1 billion in market value for his clients. Of equal importance as his business activities are his spiritual pursuits. Chu currently serves as assistant pastor at Religious Science Ft. Lauderdale, the largest Religious Science church in the Southeast. His website is www.SoulCurrency.org.

 Based on the book Soul Currency. Copyright © 2008 by Ernest D. Chu. Reprinted with permission of New World Library, Novato, CA. www.newworldlibrary.com or 800/972-6657 ext. 52.

Ernest D. Chu