Since you will be selling products, make sure that the affiliate company’s products or services are affordable. This will enable you to make more sales hence more commissions.

Make sure that the affiliate link works properly to enable customers connect with the company’s website without difficulty. Efficient connection increases the chances of enabling a potential customer to view the products or services that are on offer. Their website also needs to be easy to navigate through, that is, it should not be complicated.

An excellent affiliate system should also have good compensation plans where you as the investor can makes easy money. In addition, make sure that the company pays its associates promptly and also they should have various payments options.

The major benefit of affiliate marketing is that its operating cost is very minimal. You will cut down the cost of communicating with customers, offering after-sales services and you will not need a premise to start the business and yet you’ll be able to offer a wide range of products to your customers.

Before investing your time and money in any affiliate program conduct a thorough research and know it legality. This you can achieve by reading through internet business forums or business magazines that talk about affiliate marketing programs.

Stephen is an Online Business Expert. His blog it rich in content on money making ideas and small business strategies . Website: Online Business Secrets on income generating solutions.

Article Source:http://www.articlesbase.com/business-opportunities-articles/benefits-of-affiliate-marketing-and-how-to-identify-a-perfect-program-1293456.html

Then we will run out (for the extra important effect), jump in our get away van and be on our way. With all the money that we have, we can build a mansion complex up on a high mountain top. Everyone will want to be our friends because of all the publicity we get from the bank jobs. We will be celebrities that party like rock stars.

Yep that sounds pretty delusional and dumb doesn’t it. However does it sound as dumb as the website that promises to make you a millionaire in twenty four hours. I mean at least I am giving you a little bit of reality. If we rob a bank or eight we will defiantly have money. The moral of this little story is, if it seems to good to be true than it is. Don’t give up though, there really are sites that provide real work from home jobs. You just have to realize that working from home isn’t a quick financial fix. You have to work hard to make the big bucks no one is going to give you a million dollars just for providing your email.

If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read the amazing, true story, in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.

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Money crisis can spring up at any time. Someone in the family might fall ill and the doctor’s bill amounts to 200 pounds. Death in the family might require you to travel at some other place and bring £400 of expense. Emergency car repair can invite a bill of £250. There are so many things and so many reasons that can extend your monthly budget beyond your capacity.

Instant loans are a rather recent loan type and therefore quite isolated from traditional loans which are meant for larger amounts and require good credit history for approval. Instant loans negate all such cumbersome procedure and get approved in time period of one day or less. Instant loans actually provide you money instantly.

The prerequisite for instant loans is a regular income and current valid bank account. The approval of Instant loans takes a few minutes and the money will be transferred to your bank account the same day or the next business day. This means weekends and bank holidays will not affect the transference of money as instant loans. With instant loans, you can have cash before the pay check arrives.

Instant loans are generally advertised with the provision of no credit check. This is of a specific significance to those borrowers who have less than perfect credit. They have equal standing while applying for instant loans. Instant loans pose considerable risk to the loan lender; therefore, the interest rates of instant loans are usually higher than traditional loans. The interest rates can range from 15%-25% depending on the loan lender. Different loan lenders offer different terms and conditions for instant loans therefore research and looking around would be beneficial in finding instant loans that match your financial anticipation.

Instant loans have never been easier to obtain, especially with the online option. Just one application form and there you are making an instant loans claim. The internet is flooded with instant loan options. Explore your options and familiarize yourself with the terms and condition of instant loans before you settle on any one instant loan. You can apply for instant loans quote at different loan lenders and thereby compare loans. Comparing instant loans online will open your eyes to the cost of instant loans.

Just as the expenses are temporary so are instant loans. This is basic to this loan type. Instant loans simply do not fill in the long term financial planning. Their loan term use will not only backfire but lead you into debt situation which will be difficult to get out of. This is because instant loans have high interest rates. However, they can certainly provide a boost for long term financial planning by taking care of the sudden unforeseen monetary crisis.

Instant loans are available in two forms. One is instant payday loans and instant cash loans. There is not much difference between the two loan types. Instant payday loans are based on the borrowers next pay period. Instant cash loans are also similar requiring little documentation and regular income proofs. Both the loan types are for short term and small loan amounts.

There are instant personal loans and instant secured loans also. Instant personal loans are an extensive term providing a huge variety of interest options and repayment terms. You are likely to find here an instant loan that will satisfy your economic crisis. Instant secured loan will be offered with security. This would mean better interest rates and repayment facilities.

Cash in an instant seems all so promising and inviting but it comes with its usual responsibility that is repayment. Instant loans are fast, transparent and easy way to get cash in lesser time. They practically take an instant to get approved. All they have is a limitation on the loan amount that can be taken for them. So how does it feel like having money right when you don’t have any left? It sure feels good. Instant loans do provide along with the confidence to be in control of your finances.

Author: Maria Smith
Article Source: EzineArticles.com
Provided by: Guest blogger

Have you ever wondered why Bill Gates can be so rich? Or why Warren Buffett is so professional in investing? Take sports stars for example now, why Tiger Woods is so great in golfing and why Michael Jordan can score so high in basketball? The answer is obvious; it is because they have a burning passion in what they do. That is why they are the pro in their field.

So the rule number one to supercharge yourself to your financial success is this, you have to do what you love. Only by doing what you love, money will come to you. Why? This is because when you are doing something you love, you will somehow come out with all the motivation and energy to get things done. If you are interested in computer gaming, you will feel excited and energize to have another set of game even if it is 3am in the morning. The same if you like to play golf. You won’t feel lazy to wake up early in the morning just to have a few swings of your golf games.

So you see, in order to have all the energy to supercharge you to success, you need to do something you love. As for financial success, you have to be in the business that you love doing. If you love dogs, setting up an online business that teaches people how to train their dogs will be suitable for you. You will have all the drive to get the job done, because you love to do it.

This is the number one secret to success. For most people, they hate their job. And because of this, they will never create any amazing result in their job or their career. Think about it, when you hate to do something, will you do it with 100 percent commitment? That is impossible. So first thing first, find out what you really love to do, and do it, then find a way to monetize it.

One more thing about achieving financial success is this; it is not an easy task. However, you can make it as fun as possible. Do you think that for Warren Buffett, reading financial reports of a company is a mundane and a tedious work? What about Donald Trump? Do you think that he feels tired doing all the business deals? For them, it is not work and it is not something that boring. For them, it is a game, they love to do it so much and they will do it for free, without asking for any return.

When you love to do something so much, it is not a work for you anymore. Rather, your work will seem like a game for you, and you enjoy doing it. This is where all the energy and motivation will come automatically. This is how you can supercharge yourself to your financial success.

This article is written by Shawn Lim, someone who constantly pursue wealth and success in life. You can visit his blog here for more success and wealth creation tips.

There are a lot of quality and free resources that can supercharge you, visit http://www.themillionairesecrets.net/ now and don’t forget to grab your FREE download.

If you use this system in currency trading, you will have the potential to catch EVERY major currency trend.

We have all heard this investment wisdom: “To make money buy low sell high”

However there is a better way to make big currency trading profits and the wisdom here is: “Buy high and sell higher”

This will become clear with some explanation:

Ignore Traditional Investment Wisdom if you want the Big Profits!

If you want to “buy low and sell high” you have to guess where a market is going to bottom and this is not easy. You are trying to PREDICT where a trend might start – this very often means the market goes lower and you lose.

Investors and traders are taught to “buy low and sell high” but when a huge move starts they watch and wait for the pullback – it never comes, the market simply goes higher, and they never get in.

The problem with this traditional investment wisdom is you end up trying to pick market bottoms, and try to get in on pullbacks, but when a market trades higher quickly, you miss the move.

This sees traders lose on trying to pick bottoms – they don’t make the profits they could have made from the big moves.

Breakout Systems are the Best for Catching the Big Profits

A breakout system does not try to predict a market bottom – it waits for CONFIRMATION.

It will wait for a market to break above a recent high, (resistance) or break below a market low, (support) if these levels are broken, a move will start, and astute traders ONLY trade the break – they don’t try to predict.

You can make big profits on these breaks – look at any currency you like: Japanese yen, Swiss Franc, British Pound, etc. and you will see huge moves from breakouts.

The Best Risk Reward

The breakout point provides the best risk to reward, to enter the trade.

Why? Lets take a hypothetical example:

The British Pound has traded up and tested resistance at 1.85 several times, and is currently trading at 1.70. The market rapidly trades up to 1.85, and immediately breaks to the upside, and quickly goes to 1.95

What has Actually Happened?

When the critical 1.85 area gives way, traders with stops on their short positions, start to cover, and new traders enter the long side of the trade. This causes a huge surge in price – as the area of resistance is so important.

If you are positioned to get in as the breakout occurs, your risk is low, and reward high.

Many traders don’t want to do this – they feel they are “chasing” the move, and want a pullback – it never comes, and they miss the big profits.

Keep in mind the old saying:

“A trend in motion is more likely to continue than reverse”

Check Your Charts

Most of the big currency moves in history have started with breakouts on the chart, then a huge quick move to the upside – with no PULLBACK

Big Currency Trading Profits can be yours!

Here we have looked at the concept, and why it’s successful, and you can see how uncomfortable it is to do – and that’s exactly the reason it’s so profitable!

Breakout Trading is Simple

All you need to use to trade breakouts, are traditional charts – and have some confirmation signals, to help you filter “true” from “false” breakouts – such indicators as RSI and Bollinger bands, are examples.

Astute traders are making huge profits every day from this simple method and you can too.

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Have you trained yourself to see opportunities? If opportunity knocked today would you open the door and let it in? Would you even know it was knocking? In order to Think and Grow Rich, you have to learn to look for and seek out opportunities. Most people, the 99%-ers, walk past opportunities every day, because they aren’t wired to notice them. They don’t understand how to Think and Grow Rich.

Albert Einstein said, “Imagination is everything. It is the preview of life’s coming attractions.”

Mark Victor Hansen said, “What you think about comes about.” I am not sure who said, “What you focus on expands.”

Napoleon Hill said, “What your mind can conceive and believe, you can achieve.”

I think I first heard T. Harv Eker say, “Where attention goes energy flows and results show.”

In order to create all of the wealth and success you want in your life, you need to recognize that you create your reality inside your mind first, and then you follow up with the steps and actions that make it real. Most people are sure that seeing is believing; the successful minority know that believing leads to seeing.

Now, what you can expect as we continue this journey… I will continue to give you great information, and it will continue to be up to you what you get out of it. If you read my tips, enjoy them, but do nothing with them, nothing much will happen. However, if you find some useful advice, and you act on it, something I share with you now or in the next few weeks could change the rest of your life for the better! That would be what I would hope and pray for! Also, please pass this on to anyone you know who may benefit from it… Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!

This is tip #2 of at least 10 in the series. I will try to publish most of them as articles, but if any are missing, they will all be available on my blog.

My blog site is: http://thelundletters.blogspot.com/.

Chris Lund is a loving husband and father of two amazing boys. He is a lifetime learner, and an avid real estate investor since 1998. In December 2008, he achieved financial freedom, and quit working at a JOB. He writes “The Lund Letters”, a blog found at http://thelundletters.blogspot.com/, where he shares many of his successes as well as lessons learned. Chris firmly believes that you can have your excuses, or you can have your dreams, but you can’t have both. He can be reached via e-mail at reinvestorsfl@aol.com

Those with bad credit understand how difficult it can be to try and get a loan for buying a home or refinancing an existing home mortgage loan. Although, most loan companies may tell you that if they can’t help you, no one can, that is simply not true. People with adverse credit history may need to put in a little more effort to search out the right home loan, especially with a decent interest rate. Every mortgage loan company varies in its offer for a home loan. A program that is impossible for one company can be very much possible for another. Some mortgage loan companies specialize in home loans for people with less than perfect credit and have more lenient qualifications than others. The key to getting approved for a loan with poor or bad credit is persistence!

Defining home loans

Home loans are not much different from the average loans extended by mortgage loan companies. They’ve interest rates, points and fees. They can be compared online, and they’ve seasonal trends. The only real difference is that, as a borrower with a less than stellar credit record, you may have to pay a slightly higher rate for this loan to negate the mortgage loan company’s increased risk.

Some home loans are specifically designed to help you fund essential home improvement projects. By encouraging you to make improvements to your home, the mortgage loan company helps increase the market value of your property. But, how does a mortgage loan company stand to gain by extending such a loan? Simple, it makes money through additional interest that you pay for this loan.

Thus, it is important to prepare yourself with information about home loans and compare the offers of various mortgage loan companies to make sure you get the best deal.

Advantages of mortgage loan companies

There are a few things you need to know about mortgage loan companies. These companies specialize in providing home loans for people like you, who are in less than ideal situations. For this, a mortgage loan company takes risks that the average bank refuses, namely offering home loans to people with bad credit. If you have bad credit or declared bankruptcy, a mortgage loan company takes a big risk by extending this loan. People with bad credit are seven times more likely to default on loans. As a result, these companies make up for this risk by levying higher interest rates and fees and also ensure they make a profit. But the end result is that you get the loan, which you may not have raised from other avenues. However, the smart thing to do is to cast your net wide while short-listing such mortgage loan companies.

Searching the best mortgage loan companies

It’s important to remember that just because you’ve bad credit, doesn’t mean you should accept the first home loan offer that comes your way. Interest rates and fees on a home loan vary from one company to the other, so it pays to shop. The best way to compare a home loan is to go online. While comparing, remember to enter the same information for each mortgage loan company, since different loan amounts, down payments and income levels affect the rates. This also helps to get a quote for the same risk level.

If you’re planning to purchase a home for the first time or refinance an existing mortgage despite an adverse credit history, you may do well to compare the offers of the various mortgage loan companies before you accept a home loan offer. Certain companies specialize in offering home loans to people who have a high-risk credit history in return for charging higher rates and fees. How much is charged on these loans varies and offers can be quite competitive. Therefore, it is best to compare the rates.

There are several ways by which you can discern which home loan will suit your purpose. A few pointers are:

Check online: Web sites of mortgage loan companies offer a convenient way to gather home loan quotes. Since mortgage loan companies are in competition with each other, they offer their best quotes. In addition, they also extend facilities like online applications and the like. So, spend some time on the net to get the best quotes, it would be time well spent.

Compare rates: The interest rates charged by a mortgage loan company on a home loan are bound to be higher than any other type of home loan, where credit, income and down payment are all optimal. And they can vary greatly. There’re some mortgage loan companies that, for the same set of qualifications, offer an interest rate of 7 percent, which is a bit over the bar, and then there are others who may quote 9 to 12 percent or more. Now, if this is all for the same qualifications, you could be shelling out hundreds of extra dollars a month in payments, just because you didn’t search properly. Make sure not let the mortgage loan companies take advantage of your situation.

Look at the fees: When a mortgage loan company offers you a home loan, be sure to add up the fees from each financing package and compare those with the interest rates. You should also compare closing costs and other fees in the financing package, which at times does add up to hundreds of dollars. Although, adverse credit is likely to result in some fees, it should not be excessive. As a general rule, fees should be included in the price of the home loan. You should expect to pay up to five points for most home loans. There are always exceptions to this, but comparison-shopping should give you an idea of what is reasonable. It is good to remember that fees and terms can be better for borrowers during the off-season.

Cater for down payment: No mortgage loan company will offer a home loan to a person with a bad credit record without a down payment. The larger the down payment, the easier it is for you to secure a home loan. A down payment for a home loan between 5 percent and 20 percent is usually required for people with a credit score of less than 600. A down payment of 20 percent or more will save you from the expense of PMI.

Read the terms: Once you have finalized a home loan offer, make sure you know what type of deal you are getting into. So, be clear about the terms and conditions by reading the fine print. Some mortgage loan companies charge high fees for late or missed payments. While late fees are common, they should not be extreme. You can also get the documents vetted by a lawyer. The point is that you should be comfortable with all the terms before you sign. If you’ve any questions, don’t hesitate to contact the mortgage loan company for clarifications.

Applying for a home loan

The best way to apply for a home loan is through mortgage loan company services. These services can be accessed online. What they do is to take your application and resubmit it to multiple mortgage loan companies. Each application is usually sent to hundreds of such companies asking for the desired home loan. The response varies, but at least four home loan offers are assured for each application. These online mortgage loan company services can help people in almost every state from Florida to California.

The advantage of this process is that most of these mortgage loan companies won’t even pull your credit when you apply for a home loan, which is good since multiple inquiries on your credit report can drop your credit score a bit, and if you have bad credit to begin with, you certainly need to score as high as possible.

Once a mortgage loan company processes your information and finds everything in place, it will forward the documents for your final approval and signature. The whole process is completed in a matter of days.

If you are patient and persistent, you can hope for a home loan from a mortgage loan company that has the least interest, even if you score low on credit.

Author: Arvind Mathur
Article Source: EzineArticles.com

There are a few golden rules which stand by every loan in UK. First and foremost is figuring out the loan amount. It is like the preliminary step while borrowing loans in UK. Taking loan amount in accordance of your financial status is the key to making loan process a smooth sailing one.

Loans application

Loan application is the first step in the loans process. It gathers and record information about prospective loans borrowers. While applying for loans in UK you might require showing some documents. Documents would confirm your status as a commendable loan borrower.

Loan documents

Documentation is dependent on the loan type you apply for. For a secured loan or any homeowner loan, you property papers would be checked. Secured loans require you to pledge your property as a guarantee. Similarly, payday loans would require you to show that you have a current, valid bank account with regular income. Different loan are meant to cater to different needs and different circumstances. You would need to research more for your particular loan type.

Loan repayment

Every loan means repayment. Monthly payment for your loan is very subjective and usually dependent on the loan amount. Loan market in UK guarantees a veritable opportunity of getting a loan. While loan borrowing, it is fundamental to plan your monthly budget in order to include the monthly payments.

Loan repayment term

Loan repayment term is the time in which you repay the loan. A lot of your money can be saved if you plan your loan term. A longer loan term for any UK resident would mean that you are paying more on your loan in the form of interest. So, extending loan term is not always a great option. However, extending loan term as in remortgage could mean prolonging the term in order to organize your budget and releasing equity to start a new business, planning a vacation or making home improvements.

Loan interest rate

The phrase ‘lower interest rate’ attracts borrowers to loan type. Interest rate advertised with loans is in the form of APR. APR is the annual percentage rate. APR will show you how much the loan costs and is calculated by using the standard formula. It is expressed as a yearly rate of interest and includes interest, certain additional costs like insurance and fees associated with the loans. APR aid to compare loan types so that UK residents can espouse interest rates that suit their circumstances.

Credit history

Credit history is fundamental in the context of loans borrowing in UK. Knowing your credit history would help you getting fair dealing while applying for a loan. Poor credit history implies higher rate of interest for your loan. Credit history contains information like payment history from revolving accounts, mortgages and previous loans. It also contains inquiries from business when you have requested a loan, public records and collection information. The more you know about your credit history the more confident you will be while applying for loans.

Credit score

Another related term is credit score. Credit score is record of your credit history at a particular point of time. Higher the credit score the more likely you are to get complimentary interest rates. Credit score are divisible into grades which is applicable to all loans in UK.

A + credit score (580-620 or more) means very few or no credit problems since last two years and no delayed mortgage payments.
A – credit score (560-580) few mortgage problem over two years and one or two, thirty day late payments.

B credit score (550-560) connotes a fall in the credit reports.

C credit score (535-550) lots of late repayments. This means late mortgage payment that is in the 60- or 90-day range. This also includes bankruptcy or foreclosure that had been discharged or settled in the last 12 months.

D credit score (500-535) implies lots of missed payments.

Any credit score ranging from grade B to D would imply that you need to apply for bad credit loans. Though bad credit loan type is frequently available in UK they entail higher rate of interest. Credit management services can help you to repair credit. You can start by paying all your pending dues. Seeking professional help is recommended for credit repair and would provide UK residents with loans they require.

Loans in UK do not mean solving temporary financial crisis. It is a way to further your dream of improving your financial well being. Loans do mean a financial limitation but if used wisely can proffer financial freedom. The market for loans in UK is huge and the options are numerous. But the trick is to find loans that will manoeuver your finances in a more constructive fashion.

Author: Andrew Baker
Article Source: EzineArticles.com

But first, just so you know you’re not alone, in the past twelve months there were almost one million bankruptcies filed. Bankruptcy has become an epidemic. Now it’s time for you to make a fresh start.

First thing you should do is review your spending habits. Since most people spend more than they earn, their debt problem will be a never-ending cycle. After filing a Chapter 7, you will not be able to file again for 8 years. That’s why this article is important. You never want to go through bankruptcy again. So, the method I use when shopping is: is this a luxury or a necessity. Will I die if I don’t buy it? No, because usually the answer is that it’s a luxury. So I put it back on the shelf. If you want to start over after bankruptcy, live within your means.

Next you should review your recurring bills, add them up and make sure that money is available every month. You’ll be rewarded for paying your mortgage/rent and utility bills on time. That’s because every time you move, get a new apartment and sign up for utilities, you won’t be black-listed for having bad credit. You won’t have to make a deposit to have your utilities established.

Try living with cash. All of your credit cards should be gone by now. Don’t start any new ones until you have a substantial savings account. The saying is very true; always have a 3-6 month emergency fund. This is especially true in today’s world. There’s a lot less stress when you have something to fall back on. Make a plan to start over after bankruptcy.

Learn from your bankruptcy. Most people don’t realize that their old debt doesn’t just disappear. It has to be absorbed by people who do pay their bills. By learning how to start over after bankruptcy you could learn a new way of financial living. Put the past behind you and start living within your means.

Hello, my name is April. I’ve worked as a Bankruptcy Paralegal for several years and want to teach you methods to start over after bankruptcy. This is the beginning to a new financial start. If you would like more information on a fresh beginning please check out my website at http://savemoneysavetimenow.com/bankruptcy

I know this because I screwed it up for a long time before I finally got it right. However, once I finally got it right, my success sky-rocketed. I spent the first 29 years of my life spinning my wheels, financially, and then I started following my 3 simple rules, and I became financially free in the next ten years. Many have done it faster than that. Some take a little longer.

Here they are:

Rule #1 – Live below your means.

Rule #2 – Save and invest the difference.

Rule #3 – Continuously improve on rules #1 and #2.

A friend recently reminded me of a saying I have heard many times before – financial freedom and/or getting rich is simple, but it isn’t easy!

It can be started on a shoestring, but it will never happen if you don’t start. Reality is not “when I have more money, I will start to manage it”. Reality is, “when I start to manage my money, I will have more… money to manage!” So many people complain that they don’t have enough to make ends meet, much less to get ahead. That is not a money problem; that is a philosophy problem. No matter how little or how much money someone with that mindset makes, they will never be financially free. Back when I was building financial freedom on about $20-30K/year, I knew a guy that was making over $100K/year. When he lost his executive job, he started working two weeks later as a salesman, not because he wanted to, but because he had to. He had to support his lifestyle (the corvette, the dinners out, the huge house payments, electric bills, and the rest of the doodads). He was living paycheck to paycheck. You see, he just never quite made enough money to get ahead. Probably the next pay raise would have put him over the top (not!).

Jim Rohn said “Shortly after I met my mentor, he asked me ‘Mr. Rohn, how much money have you saved and invested in the past six years?’ Jim answered, ‘none’. His mentor then asked, “Who sold you on that plan?” Let me take it a little further. How many books have you read in the past 90 days that might help improve your financial future? How many courses have you taken? How many financially successful people have you reached out to and asked, “Can I buy you dinner and pick your brain a little while we eat?” T. Harv Eker says you have your own financial plan in place right now. His question is, “how’s that working for you so far?” If you don’t have the financial success you want in life, are you doing the things that need to be done to change that? I am sure you have heard that the definition of insanity is doing the same things over and over again, always expecting different results. If you don’t change something, nothing much will change!

My path to financial freedom started when I finally figured out that I didn’t know everything, and that I could get help. I started reading material that improved my financial IQ. I asked questions of co-workers that were successfully investing in real estate. I stopped using my plan, which had zero success in 29 years, and I started learning from people that showed me how to become financially free in 10 years. I attribute most of my success to my three simple rules, and I challenge anyone to follow those rules, and prove to me that you can follow them and not succeed financially.

It is simple, but it isn’t easy. It requires discipline. It requires finding people that have the success you want, and learning from them. In my first 29 years, I learned financial success from dozens of people, none of whom had any financial success themselves. I needed to stop and ask directions from somebody that knew the way. When I started to learn from people who already had what I wanted, everything changed. It is simple, but it isn’t easy. You might have to get up earlier and go to bed later. I did. You might have to work harder and smarter. I did. You might have to figure out ways to add value to other people’s lives. I did. You might have to recognize that you are 100% responsible for your success, or lack thereof. That is what, after 29 years, finally, I did. You have heard me say again and again, ‘you can have your excuses, or you can have your dreams, but you can’t have both’. Ten years ago, in August 1998, I stopped making excuses, and I started working on my dreams. I hope you have done the same, and if you haven’t yet, I hope I can motivate you to do it now. If you haven’t already started, when will today be the right time?

I will tell you what I see in 90% of the people that talk to me about wanting financial success, and it is easy to recognize because I had it for 29 years. I see people that want financial freedom, but they don’t want to have to learn more, work harder, do more, or become more than they are right now. Oh yeah, and they want it by next Thursday. Furthermore, if they can’t have it on their terms, then they just know it isn’t possible – anyone that has financial success must have been lucky, or took advantage of other people (just ask ‘em).

Personally, I spent ten years busting my butt doing a full time job to the best of my ability, plus gave my evenings to my family, then worked until 1-2am doing real estate, paperwork, reading, goal-setting, visualizing, etc. I got up at 5am and was back at it again. I gave up ‘me’ time and did repairs, managed property, hunted for needle-in-a-haystack great deals. Then, occasionally someone learns how successful I have been, and tells me, “You sure were lucky!” If I feel up to it I enlighten them as to the luck I had, but usually I just smile and nod in agreement.

Let me tell you, millions of people have become self-made millionaires, and many have overcome hurdles bigger than you or I ever dreamed of. Some have overcome physical handicaps. Many came to this country without a penny to their names, and couldn’t even speak our language. In one way, shape, form, or another, whether they realized it or not, almost without fail they followed my three simple rules:

Rule #1 – Live below your means.

Rule #2 – Save and invest the difference.

Rule #3 – Continuously improve on rules #1 and #2.

It is simple, but it isn’t easy!

P.S. – If you like this article, go to my blog and see “3 Simple Rules Will Give You Financial Freedom – Part II”. Thanks, and best wishes!

In closing, anyone who wants to be notified whenever I post a new blog can get on my e-mail list. E-mail reinvestorsfl@aol.com and ask to be added to “The Lund Letters”. It is free, you can be removed from my list at any time, and I will never sell or trade your e-mail address or any other information. If my blog inspires you in some way, please refer your friends and family members to check it out, and, as my friend Tim Harris is fond of saying, “keep on keeping on”! May your parents have rich children, and your children have rich parents!

A coming attraction… ‘Common Reasons I See People Fail at Buy and Hold Real Estate, and How to Avoid Them So You Can Become Financially Free! Yes, it works, even in this real estate market, if you just do it correctly!’