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"Your Home Business Coach Ezine"
Published Tuesday & Thursday
Lena Sanchez - Editor
Click Here To Email
Lena
928-636-9425
Thursday January 1, 2004
HAPPY NEW YEAR
````````````````````````````````````````````````````
Watch For A Natural Environmental Facts Sun., Wed, Friday
with Monday's Ask Lena Health Q &
A!
This Ezine is available by subscription only. Your
Home Business Coach does not make its list available to
third parties. All subscribe and unsubscribe information
can be found at the end of this issue. The Mission of this
Ezine is to help you grow in business and in health!
============================
=> IN THIS ISSUE!
============================
<> Editors' Remarks
<> Warning
<>Motivational Thought!
<> Win An Ad To Thousands!
<> Spotlight of the Day
<> Spotlighting a product/service/person
<> Business Tip
<> Advertising Links
<> Business Coach of the Day
<> Change Your Life Information
================
EDITORS' REMARKS
================
For those of you who were able to tear yourself away from the Bowl games, HAPPY NEW YEAR!!
And my Japanese friends who are lucky enough to have three days of 'Shogatsu' .... HAPPY NEW YEAR!
Do what you must to succeed today. As long as it's honest, fulfilling, doesn't cause anyone else pain or discomfort and worthwhile!
Have a wealth building day while keeping healthy!
Lena
Reminder:
Don't Pass On Misinformation. to others.
Get the real scoop first a http://hoaxbusters.ciac.org/HBHoaxCategories.html
Does a website sound too weird to be true?
Find out if it is Click
Here
======================
MOTIVATIONAL THOUGHT
======================
Security is mostly a superstition. It does not exist in nature, nor do the
children of men as a whole experience it. Avoiding danger is no safer in
the long run than outright exposure. Life is either a daring adventure or
nothing.
- Helen Keller
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==========================
BUSINESS TIP
==========================
Resolve to Improve Your Finances in 2004
Kick off 2004 with these 7 money resolutions and get a fresh financial
start to the new year. At year's end, you'll be surprised at how much
you've reduced your debt load and the money you've saved!
1) I will create and use a budget.
A budget helps you see exactly where your money is going from week to
week and month to month. Creating and using a budget, no matter what
your income level, will help you reach your financial goals more
easily than without one.
2) I will use my budget to help reduce my credit card debts.
Let's say you are able to save $20 a month by budgeting your money.
You could take that $20 and place it in a savings account where you
would earn minimal interest. Or you could use that same $20 and add
it to your budgeted credit card payment reducing your credit debt in
two ways. You'll be reducing the amount you owe your creditor and
you'll also reduce the finance charge on next month's bill.
3) I will pay more than the minimum due on my credit card bills.
If you just pay the minimum due on credit card bills, you'll barely
cover the interest you owe. It will take you years to pay off your
balance and you'll end up spending thousands of dollars more than the
original amount you charged.
4) I will make my payments on time and avoid late fees.
Making late payments adds to your debt load and may increase the
annual percentage rate (APR) your creditors charge you. Additionally,
late payments are reported to the credit reporting agencies and
negatively affect your credit rating.
5) I will not use my credit card at an ATM or a bank for a cash advance.
Cash advances on credit cards are assessed special fees and higher
interest rates than what you pay for purchases made with your credit
card. Creditors apply the majority of your monthly payment to your
purchase debt rather than cash advance debt which increases the
overall amount of interest you'll pay to your creditor.
6) I will spend my money sensibly.
Using your budget, you may find that you're spending a good chunk of
your income on discretionary items: morning coffee and donut, a weekly
magazine, fast food lunches, etc. Each purchase seems like a small
amount of money at the time, maybe $3-5. But these small purchases
add up quickly and amount to hundreds of dollars a year. Ask yourself
if you really need these items and reduce your amount of discretionary
spending. Use your savings to pay down credit card debt.
7) I will live within my means.
Are you an impulse buyer? Do you use your credit cards to supplement
your income? Do you feel the need to have the latest fashions, cars,
stereos, etc.? If you answered yes to any of these questions, chances
are good that you are overspending. And overspending means more debt
- debt that will keep you from achieving your financial goals.
************************************************************
© 2003, www.yourfreecreditreportnow.com
Author: James H. Dimmitt
James is editor of "To Your Credit" a FREE weekly newsletter for
consumers. You can subscribe at http://tinyurl.com/bgo9
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===========================
BUSINESS COACH OF THE DAY
===========================
What Does 2004 Hold For You?
- by Jim Edwards
(c) Jim Edwards - All Rights reserved
http://www.thenetreporter.com
With 2004 almost upon us, right now makes the best time to
start setting your goals for the coming year.
Don't wait until December 31st at 11:00 p.m. to throw together a list of things you might want to accomplish in
the next 12 months.
Decide right now!
Make a commitment to improving your life and the lives of others and not just to make the same old "New Year's
resolutions."
If the simple act of making resolutions were enough, we would all stop smoking, exercise daily, lose weight, own a
luxury car, get out of debt, and earn $100,000 per year!
Sad fact: most resolutions barely make it past January 1st.
But have no fear!
If you're serious about setting and keeping your resolutions this year, then the Internet can rescue you
from backsliding on your goals.
Check out these tips for using the Web to keep you on target for 2004.
~~ Break Bad Habits ~~
Quit smoking.
Lose weight.
Make more money.
Three of the most popular New Year's resolutions that never seem to "stick!"
Log on to search engine www.Google.com
, put in "break bad habits" and you'll drown under the amount of information
for quitting just about anything.
However, before you throw your hands up in disgust, you need to understand the point of the exercise.
It clearly demonstrates that the information you need to stop (or start) doing virtually anything to change your
life exists, especially online.
No matter what you want, somebody operates a website, wrote a book, produced a video, created some articles, or made a
CD that contains the answers you need to make changes.
Just log on, hunt down the information, and take action on it.
Some suggested phrases to help make your searches more productive: "stop smoking," "lose weight," "end
procrastination," "improve self-esteem."
~~ Talk To The "Future" You ~~
Many companies online will help you keep your New Year's resolutions by sending you email reminders throughout the
year (for a monthly fee).
But, instead of paying, you can set up your own reminder service.
Log on to www.timecave.com
and sign up for a free account.
Then sit down for an hour or two and think about the challenges you will face in 2004.
Write yourself encouraging notes in the future about how to stay on track.
Then, over the course of the year, you will receive your own reminders and encouragement just when you need them
most.
~~ What Makes The Difference? ~~
Choosing to take consistent ACTION makes the difference between a wish and a goal!
A "wish" would be nice to have -if it isn't too difficult.
A "goal" is something you choose to act upon daily with a plan and commitment - no matter what!
The best summary I've ever seen of this principle comes from the second book in the "Harry Potter" series when
Professor Dumbledore tells Harry, "It is our choices that show what we truly are, far more than our abilities."
(I have that quote taped to the top of my monitor)
The information to accomplish virtually anything is just a few mouse clicks away online and much of it's absolutely
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Choose to use that information to make 2004 better for yourself and others.
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