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Credit cards – Other benefits

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Oct 272022
 

Credit cards are here to stay for the multiple benefits associated with them. We already know that credit cards act as a convenient payment mode for shopping, they are safer to carry as compared to cash, they help build a credit rating which can be used for getting fast approval on loans etc, and they are there to help when you need credit. However, there are other benefits too which one should be aware of as well. Let’s check what these other benefits are:

1. Travel Insurance

A lot of credit cards have travel insurance built into them as an inherent feature. So if you are one of those who travel frequently, this benefit could be a real boon. However, you should always check if this travel insurance is enough for you. Also check the terms and conditions associated with such insurance. Loss of baggage is something which is almost invariably covered with such insurance.

2. Discounts for travelers

A number of credit card companies have tie-ups or association with various hotel chains, car rental agencies and airlines etc. For frequent travelers, this is sometimes one of the main criterion or deciding factor in choosing a credit card. These discounts are sometimes pretty attractive and your credit card may become a cash saver for you. Sometimes an airline might offer a credit card too (a co-branded credit card for example) where-in the benefits would be more travel oriented than other cards. This could include things like earning additional miles for payments made using their credit card or some kind of preferential treatment etc.

3. Discount for shoppers

If you are one of those who likes to shop at some particular shops (retail chains) which are your favorites, then you might like to check if you have some additional benefits available on your credit card. These could be there as a result of partnership or affiliation links with the retail chain. Whenever you pay for your purchases using your credit card, you either get a discount or additional membership rewards points. Some of the retail chains float their own co-branded credit cards too and it could be good to consider them too.

4. Membership Rewards

Most of the credit card suppliers run membership rewards programs too. Some of these are free to join whereas others might have a small fee associated with them. The ones with fee obviously offer more attractive rewards as compared to the free ones. So once you subscribe to a membership program (either explicitly or implicitly) you start earning reward points on whatever payments you make using your credit card. As you accumulate points, you become eligible for rewards which are based on the number of membership reward points you hold on your credit card. You can barter these points for attractive gifts. If you are a heavy user of your credit card, you will accumulate the points faster. Watches, bags, wine and a whole lot of good stuff can be bought using these reward points. So keep track of your reward points.

5. Cash back

Some credit card companies provide you with cash back option too where-in you might get a certain percentage of money back, if you spend more than a certain amount on your credit card. These are really good offers. Nothing can match a thing like cash back.

So, read all the benefits being offered on your credit card. You never know when one could become handy.

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Beware of Web Sites Bearing “Free Gifts”

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Oct 262022
 

One of my best friends, someone that I’ve known since I was a teenager (which seems like a long time ago!), had a great collection of T-Shirts with some of the funniest slogans on them that I’ve ever seen.

One of my favorites was his T-Shirt that read: “If You Can’t Dazzle ’em with Brilliance, Baffle ’em with Bull****” (You can probably fill in the blanks quite easily!)

There are a tremendous number of web sites selling Information on the Internet who are doing just that. Completely lacking in anything even remotely resembling brilliance, they are spending a great deal of effort, and seriously taxing their few active brain cells, in order to Baffle you into buying sub-standard Information Products.

We are in the business of providing Product Sourcing information to Home-based Internet Businesses. We publish The Drop Ship Source Directory, a Directory of brand name Wholesale Supplier who are willing to Drop Ship those products directly to your customer from the warehouse, one at a time, at wholesale. It’s an excellent way to do business without spending a ton of money on stocking an inventory. We also publish The Light Bulk Wholesale Directory; a Directory of genuine Wholesale Suppliers who are willing to sell small bulk quantities of products to Home-based Internet Businesses at larger bulk quantity wholesale prices. We’ve worked very hard for years to provide absolutely honest and complete information.

However, there are other information providers in this business who are either too lazy to do the time-consuming research this business requires, or are just outright scam artists looking to cheat you out of your money.

They have a wide range of methods they use to Baffle you into buying from them, but one of the most obvious is Free Gifts.


Now, we have to be careful here, because there are two kinds of Free Gifts.

1.) Free Gifts given to you before the sale are usually a good thing. We do that ourselves; we offer a very comprehensive Free EBook that gives you a tremendous amount of FREE information on starting your Internet Business. We give you that for free, no questions asked, no personal information required, and you never have to buy anything from us. THAT kind of Free Gift is OK, because it really is Free!

2.) Free Gifts that are promised after the sale are the thing to watch out for. They are designed to make the offer look so attractive to you that you simply cannot turn it down. They are, in fact, given to you because the main informational product itself is so lousy that it’s creators feel that they have to suck you in with after-the-sale freebies, or they’ll never sell anything to you at all. However, in order to get all these Free Gifts, you have to buy something first.

Here’s how these scam artists work:

They pitch their junk Informational Product to you with all kinds of wonderful promises, telling you that you’re going to make incredible amounts of money very quickly.

That in itself is not true! NOBODY makes incredible amounts of money quickly on the Internet. In the real world, it takes time, patience, and work!

THEN they tell you that if you order their information, they will include “$750 Worth of Bonus Free Gifts!” with your order, or some such ridiculous statement. They tell you that you will get Marketing Information, Email Generation Software, Important Articles and Reports, Expensive EBooks, Bonus Wholesale Guides, etc., etc., for FREE, after you buy their product.

Freebies that you only get AFTER the sale are there for two reasons:

* They make you think you’re getting much more that you are paying for, when in truth you are not; you can pick up that stuff for free without buying anything. All that Free Stuff is just that; it’s FREE, it’s garbage, and you can find it all over the Internet for nothing, without having to pay a cent for anybody’s products. The scam artists certainly do not pay for it; why should you?

* They are a distraction. The scam artists are counting on the very good probability that you will spend so much time with, and get so caught up in all that extra free stuff that you will forget that the original product you paid for is junk, and you’ll never bother to ask for a refund!

So Beware of Informational Web Sites offering Free Gifts after the sale, folks. There is a reason for it, and it’s not a good one!

Maybe they should also offer a T-Shirt with those “gifts” …I know a guy who can suggest a good one…

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Affiliate Money – How to “Keep” them Coming to you

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Oct 252022
 

Rereading my previous article “Affiliate Money – How to make them coming to you” in which I discuss some of the rudimental options on creating a valid home based business using nothing but Affiliate Programs, I have asked myself a question. A question so simple and yet so important that I knew – answer this one right and I’m set for life! A question, which everyone who is looking for proven income opportunities in Affiliate Programs should ask himself.

I have pounded out some thoughts and some basics that I know will work well as they work for me day after day. Just please remember these are only basics as I’m not a self-proclaimed “guru” but a simple man who managed to learn and implement the techniques discussed bellow.

Making an initial sale is great and exciting and a feeling familiar to anyone involved into Affiliate Programs marketing. But as every successful affiliate knows – it’s a lot easier to sell to a person who already bought from you or based on your advice and marketing efforts necessary for that sale are a lot less. So how do you repeat a sale?

Give away free stuff. Be it an ebook or a report but give it away for free. The key here is to find a material that allows you to rebrand links inside that ebook or report with your own affiliate links. Many programs provide you with such materials and they do the wanders. Even if person didn’t buy from you this time, they WILL download a free ebook and if it answers their questions or provide them with information they were looking for, they will click on YOUR affiliate link. Caching! Do you hear cash register ringing? I do.

Give away more free stuff! But now use a slightly different technique – auto responders. It’s an income maker on autopilot! And all you have to do is give something away and setup auto responder messages. Find an ebook with resale rights that give you an option to give away to members or through subscriptions. A good place to look for these type of materials are a manual click traffic exchanges, such as TrafficSwarm, as people give away a lots of free stuff there for simple newsletter signup. Just get one of the free auto responders. Much better option is to use auto responder that comes with your hosting account. That way you will not have to deal with third party advertisement. Make sure that your emails are precise to the point and something that interest your readers. Never used auto responder or don’t know how to write a winning email? It’s not a problem. There is a wealth of ebooks written on the subject and better once have the sample e-mail where all you have to do is customize them to fit your needs

Using auto responders is a bliss when done right. I do recommend couple things if you decide to utilize them:

Always use a subscription model where users have to confirm their intention to subscribe. Don’t try to force people into your subscription! This will eliminate possibility of invalid e-mail addresses and prevent you from been reported as a spammer – a sure kill to your business.
Double-check your e-mails for possibility of been filtered as spam, explain people to setup white listing options for your e-mails. Use a freely available Internet tools to check your e-mails for spam filtering, before you send them. After all it’s your money making tool, so make an extra effort.

The techniques above are extremely simple and yet overlooked by great many people or not utilized to the full extent. Hard to imagine any good reasons why. Successfully implementing them will not just assist you but put your efforts into overdrive.

And really it’s that important. Residual income and new income from previously sold customers is the ultimate goal of any affiliate marketer and if it’s not your goal yet – make it!

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Profiles of the Powerful: Advertising Exec Steve Grasse

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Oct 242022
 

After ten minutes with Ed Tettemer in the offices of the agency he founded with partner, Steve Red, you begin to understand the agency’s passion for excellence. After an hour with Ed, you begin to understand the intensity of his personal passion. You begin to understand it but I have a feeling that, even after days and days of exposure to him, you probably wouldn’t get the whole picture.

“Passion,” the word, may seem descriptive of a complicated set of feelings and opinions. Oddly, in thinking about Ed Tettemer’s passion for his agency and its clients, it seems rather simple. It’s just that he wants everything to be excellent: excellent clients, excellent co-workers, excellent marketing solutions, excellent creative executions, excellent everything.

“Where’d you go to college, Ed?” (A question most interviewers ask without expecting surprises in the response.) “Never went to college. Dropped out of high school and never looked back. Got my college degree at the Elkman agency and my graduate degree at Earle Palmer Brown.”

Maybe it’s best to start at the beginning. Ed was born and raised and was “scared of the city,” living in a rather parochial environment. His Father was a sheriff in Bucks County and his Mother worked as a secretary in the office of the small township where they lived. Theirs was a simple life, a good life in a small town atmosphere. He and his Dad fished a lot and they ate what they caught. The vegetables on their table came from their garden except for the mushrooms they harvested after heavy rains. It seemed to be an uncomplicated existence far from the pressures and tensions of traditional business, especially the advertising business.

Dad was pretty much occupied with his job and the politics of the community. Mom was more influential on the lives of Ed and his older brother. Neither parent made strong suggestions about what Ed and his brother did to prepare them for a career. They were good people and Mom, especially, influenced the way Ed has turned out. She was passionate about music and books. Ed is, too. She preached, “Keep your eyes and ears open.” Ed tries to do that. All she wanted for her children was for them to be happy and she didn’t try to control their every move. Today, Ed appreciates that.

His childhood was a happy one. He liked to fish. He played a lot of baseball. He was a fairly typical American kid. Then, when he was in high school, there was a dramatic change. It was called the Viet Nam War. Consistent with how many people felt at the time, his older brother took off for Canada to resist the war. That had severe, negative impact on life in peaceful Bucks County. Overnight, the Tettemer family became pariahs. Friends deserted them. The community changed its view of them. Church changed. Bad stuff!

Clearly, that situation had a powerful influence on Ed’s psyche. He dropped out of high school and spent over three years hitch hiking all over the country. He found ways to make enough money to do a lot of both savory and unsavory things. He was a confused young man wandering the country during confusing times.

But he never lost touch with his Mother and Dad so, ultimately, he went home to Bucks County and found a job working as a glorified gopher for the Doylestown Intelligencer. He ran ads back and forth from the paper to its small, retail advertisers. He says, “I guess I was a junior account executive and didn’t know it.” He delivered ad proofs, started helping small stores with their ad copy and quickly learned how those small retailers did their newspaper advertising.

During the year at the paper, he got to know and got to be friendly with many of his customers. He realized that most of them didn’t have a lot of confidence in the help they were getting from the paper. He believed that he could help them do better advertising, advertising that actually worked and could be tracked. He doesn’t know why he believed that but he believed it.

He remembered Pete’s Place in a rather nostalgic way. Pete’s Place was a restaurant in Ottsville just north of Doylestown. Their ad always ran on the same page with other restaurants. All of the ads were the same size, were laid out in a conventional rectangle and had many of the same messages: good food, low prices, family atmosphere, etc.
Pete’s Place was pretty much the same as a lot of places in that part of the country.
Except for one thing. Their logo and sign was a big wagon wheel.

After Ed convinced them to try to look different, their next ad was designed to be round. It stood out nicely on the page with all the rectangles. Someone once said that good advertising should zig when the competition’s zags. While Ed didn’t refer to that specific quote during our interview, much of what he said about Pete’s Place and about Red Tettemer’s work seems to support that “Zig if they Zag”idea. Ed reflects, “I think I made six bucks on the work I did for Pete’s.”


The result? He worked with mostly small retailers for four years and developed a keen understanding of how the retailer thinks and of what it takes to motivate consumers to respond to advertising and promotion. In his own words, “I guess I didn’t really know what I was doing but I liked my clients, worked hard and made a decent living.”


Marriage followed as did a move into Center City where he, wife Lyn and daughter Jessie still live. His first job in the city was with the old Elkman Agency where he claims to have started “Knowing nothing.” His boss, Creative Director Jim Block, promised to make him into a copy writer and further promised that he would like doing it. Jim did what he promised and Ed did like it. He had five productive years there but was always the junior writer. He needed more.


Off to Becker/Kanter (now Panzano & Partners,) he soon learned the logic of focusing on vertical businesses. He was a senior creative director there working almost exclusively on shopping center advertising and promotion. The “vertical” idea had great influence on him in the early days of Red Tettemer when they spent most of their effort with cable TV and entertainment accounts.


He was recruited to Earle Palmer Brown where three factors influenced his thinking and his behavior. First, Brian Meridith, then the head of creative at EPB, showed him how important it was to have a good idea at the beginning of creative execution. “What’s the idea? What’s the idea?” was hammered into his consciousness. Second, he formed a new perspective about “vertical.” While it’s valuable and, at times, necessary, to focus on specific industries, it’s also valuable and stimulating to have a broader base. Today’s Red Tettemer is definitely broad based and probably always will be.


The third factor was, perhaps, the most important. In early 1992, Ed just didn’t know what to do with his career and his growing, positive reputation. “I was disillusioned.
I just didn’t believe in the people I worked for.”


Fortunately, he was allowed to do some free lance work and frequently collaborated with Steve Red with whom he had a marvelous working relationship. He got a call from Steve about working with him on several large assignments. His copy, Steve’s design skills and their ability to work together so effectively brought out his assertion, “I had the time of my life working with Steve.”


It took Ed three years to convince Steve to join with him to form Red Tettemer in 1996.
They live by their mission statement, “Energize our clients and their businesses.” Ed is proud when he reports that they try hard to make their clients’ competitors envious. They’ve followed those convictions while moving from “vertical” client groups into more general accounts. Some of their recent acquisitions are SEPTA, University of Pennsylvania Health System and Hatfield Meats.


Neither Ed nor Steve has much tolerance for the traditional approach used by many agencies. So, they’ve successfully created a fun environment. Their office space is designed in creative ways. The décor is imaginative but comfortable. There are surprises everywhere: a conference room with no conference table, eclectic art work all over the walls, small nooks and crannies with interesting appointments and two balconies which allow for panoramic views of the City. The physical experience of the offices is sure to be pleasant and entertaining for every age group: traditionalists as well as employees, whose average age is under thirty.


What’s the smartest business decision you ever made, Ed? Instantly, the response is,
“Being in partnership with Steve Red. In fact, that may be my best life decision.”
How about your worst decision? “I waited too long to expand from our “vertical” focus.
also, I think I’ve been too reclusive.” (Maybe this article will help, Ed.)


Fun for Ed? Trying to understand client needs and finding solutions. Cooking. Reading. Joining the fire company near his beach home. Remarking that he thinks he made his Mother and Father proud. Red Tettemer’s annual retreat. Family. Many things.


One more question, Ed. “What would you do with a couple of wishes?”


Thoughtfully, he responds in a way that further demonstrates his passion. He says that he’d like to keep in closer touch with all of his employees, that he wishes he could reenergize the agency more frequently and that he’d like to take time to celebrate their good fortune more frequently.


If life is dull, if you need a shot of passion in your life, if you’d enjoy being stimulated by the innards of an ad agency, if you respond to another person’s motivation and, yes, passion, visit Red Tettemer. While you’re there, try to spend a few minutes with Ed. As his Mother taught him, “Keep your eyes and ears open.” You’ll enjoy the visit.

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7 Poor reasons to get involved in MLM

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Oct 232022
 

Network marketing, or “MLM” can be a great way to earn everything from a small additional income to a generous full time living.


However, many people join mlm type opportunities without really knowing what they are getting themselves in to. This is probably one of the biggest reasons for the fact that some people have very low thoughts about this type of business.


Mlm works if you do it right. Period. That said, here are seven really poor reasons for enrolling in a network marketing opportunity:


1) Earning “easy money”


I know – the mlm-companies are very good a promoting their business as a simple 1-2-3 process that anyone can do and become an instant millionaire. Especially online it has almost become a standard to use super long and totally over hyped sales letters.


This is the equivalent of claiming that anyone who can open a can of beans can be a master chef.


Don’t get me wrong, I do think most people can make it in mlm if they put their minds to it. But you must be prepared to learn many new things and you WILL have to work for it. Make no mistake about that!


2) Expecting that “spill over” will do all the work


Many mlm opportunities are built on what’s called a “forced matrix”. For example, in a 3×9 matrix, when you have sponsored your three first new members, the fourth will be placed under the first person you sponsored. This person has thus gained one person in his downline, without any effort on his part.


Now, some companies would have you believe that their top recruiters are so effective that the spill over from their marketing will automatically make you, who are joining at the very bottom right now, an instant success.


This is simply a pipe dream – it will never happen. Yes, you probably will get a few people spilled over into your downline, but nowhere near enough to guarantee your success. The sheer width of the matrix on your level, means that there is an enormous amount of representatives that will have to shear any amount of spill over.


And who says the top recruiters are as active as they once where anyway? Worst case scenario, they are now working on something else entirely, because their income in this particular opportunity is already secured.


3) Thinking that a product is so great it will sell itself


This is a classic mistake, because most mlm systems simply aren’t really about the product. This fact is difficult to swallow, I know.


As a greenhorn I remember joining this lottery syndicate-mlm, thinking that “everybody” would want better chances at winning the lottery – right? The disappointment was huge when I discovered the truth – some people even made fun of any attempt to mention this great new thing I had discovered.


Likewise, in mlm, it will not matter if you are selling a breakthrough product that contains every mineral and vitamin under the sun – if you do not understand what network marketing is really all about.


4) Doing an old friend a favour


We have all been there – an old friend you haven’t met for years who suddenly calls you and want to set up a meeting about something he will tell you more about when you meet


I’m not saying that this couldn’t be a potentially good business. But calling all your friends is a very ineffective way to do mlm, and you should never join any opportunity only to do someone else a favour. Because in the end this is about you, your money and your career.


5) Earning a lot of money in a short period of time


Most mlm testimonials always seem to go something like this:


– In my first month I made $800 and now, in my third month, I have been able to quit my job and…etc.


While not outright lies, testimonials like these are usually collected from individuals who, through luck or skill, managed to join this particular opportunity from the very beginning. They are simply at the top of the pyramid and they often know exactly what they are doing – the’re the mlm experts.


Like most offerings, mlm opportunities have a life cycle that grows rapidly in the beginning. During this phase of explosive growth it can be very easy to sponsor dozens of new people per day, with relatively little effort. After all, this is something entirely new and one well placed ad can do wonders.


However, if you join after this initial explosion, it is much more difficult to see quick results and it requires more effort to attract new people into the business. Patience, knowledge and the right strategy is required to succeed here.


6) Big name X endorses this program


This is somewhat related to the previous point. Mr. Big Hitter have made thousands of dollars with this opportunity already and he is not shy about telling anyone how easy it was. And he’s probably not lying either. It was easy – for him.


Because, like noted above, he probably got involved in this opportunity long before it was launched to the general public, because he already knows all the right people.


He (or she), also know their stuff, and have the resources (large email lists, advanced Internet marketing tools etc.) to quickly and efficiently let the word out to a large number of people.


If you are relatively new to this game, it is a very bad idea indeed to assume that you instantly could pull off feats worthy of a network marketing guru. Would you compare your golfing abilities to those of Tiger Woods?


I didn’t think so.


7) Thinking this will be a free business to run


I’m not talking about the membership fee of your mlm opportunity here, because that is a given. But many people falsely believe that they can market entirely for free using the Internet.


While it’s true that there are some effective low cost Internet marketing techniques you can use, you should never fool yourself into believing that Internet marketing will be a no cost affair. Moreover, the online competition is usually quite fierce.


To summarize; Mlm can offer an exciting new way to earn money. But your motivation for joining a mlm business shouldn’t be based on one of the misconceptions mentioned above.


Treat your business like a business, and you will be okey.

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Student Loans? Don’t Bother Me. I’m Eccentric.

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Oct 222022
 

Do you really see yourself as eccentric? asked my boss incredulously. Yes. I replied – Eccentric means away from the centre, which means that I don’t follow all the other sheep.


How it Began
Probably it all began when I was in my teens and found a book that showed me the easy way to write essays. Always think what everyone else will write and make your essay as outrageously different as you can. You can get a free eBook now on the subject from studying-techniques.com


It was such fun being outrageous that it spread to my everyday life. Often the outrageous ideas I thought of made more sense than the conventional thinking.


Soon people started to accept me as an eccentric.


Immediate advantages of being a known eccentric


    You don’t offend people. Everyone shrugs and says It’s just Ian!
    You can say no whenever you like.
    You no longer have to keep up with the Joneses. You set your own targets.



How being eccentric saves on student loans
I had a pushbike instead of a car like all the other students. I didn’t need student loans. I set my own standards. The Joneses didn’t drive me to student loans.


When I needed textbooks I bought them second-hand, but decided for myself if the book was really necessary. After all, if I read the book in the library I wouldn’t have to pay for it, and student loans would be kept at bay.


I’m eccentric – remember? So I don’t have to follow your expensive pastimes. I chose free pastimes. No need for student loans if I keep to free. What’s that? Didn’t I get bored with nothing to do? Far from it! Four times in my life I’ve had so many pastimes that I’ve had to prune the list drastically.


Each Saturday I joined other young folk cycling round the countryside. I usually repaired their punctures, because I had the tools and it cost me next to nothing. I toured England, Scotland and Wales during my holidays with no fuel costs at all for my pushbike, so no student loans were needed.


Sports: Of course I needed some eccentric sports to keep fit, so I took up croquet, fives, table-tennis, 7-mile cross-country running, hill-walking. No need for student loans because it was all free, and so were the games that I played such as chess.


Each evening I had to make time to go out with my date, so had to push through my one-hour harmonium rehearsal, and one-hour violin rehearsal, and do my homework, and play some table-tennis, and read library books, and eat . . .


Fortunately none of that needed a student loan – even my date. Remember, I am eccentric, so my date had to go along with me, or find someone else.


I didn’t need student loans for my furniture. My boss said later that I’d furnished my entire house for less that he paid for his bed. Auction prices were so low that the main cost was in carting the stuff home.


Student union? No I’m eccentric. Horse-racing pool? No I’m eccentric. Join a student protest rally? No I’m eccentric.


Each time students were browbeaten into something expensive because everyone else is doing it they didn’t even bother to ask me because I was eccentric. Far from needing student loans, I saved money from my government scholarship. Then I took holiday jobs for extra money.


One day the unemployment officer showed me a job which nobody will want. I grabbed it immediately because it sounded different. I was working alone on a farm, 6 miles from my boss and was snowed-up most of the winter so that my boss couldn’t get through to me. It was there that I learned to trap rabbits, skin them, cure them, train dogs, cook, hand-milk cows, make cheese – well what else is there to do when you’re snowed up?


I bumped into the employment officer a couple of months later and he said You’re not still on that terrible job are you? I hastened to reassure him that it was great. He must have thought that I was eccentric or something.


Why does being eccentric avoid student loans?


    I don’t mind buying seconds or second-hand from the op-shop or Salvation Army.
    Anything free is great.
    I’m not proud. People give me lifts in cars because I’m too eccentric to have one of my own. I used to hitch-hike before it got dangerous. People give me cast-off clothing – well only an eccentric would wear it!
    Naturally I hunted for a scholarship until I found one. Everyone else may have student loans, but I’m eccentric.
    Everyone else has one so out comes the credit card. Not me. I’m eccentric. Credit cards can charge more than one fifth of your loan per year, making them the most expensive of student loans.
    Giving gifts needs more student loans. I’m eccentric. Something for 50cents from the Salvation army can make a great gift. Keep buying through the year then wrap up your treasure trove at Christmas and hand deliver to avoid paying postage. Yes – they’ll all know what you’re doing, but it’s just Ian and you’re eccentric, remember?



There are countless other ways to avoid student loans if you get out of your rut and become eccentric.

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Whatever Happened To – “The American Dream”

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Oct 212022
 

Do you ever wonder what happened to the average citizen’s ability to achieve The American Dream? Is there something about the pursuit of THE AMERICAN DREAM that contributes to failing systems and institutions (from an Enron economy to failing education, the deterioration of the family unit, social ills such as senseless violence, suicide, substance abuse and perversion)? Geela thinks so. In her highly praised book THE AMERICAN DREAM, Geela explains the connection between our failing systems and institutions and the pursuit of The American Dream as we know it. Through her proven “Principles For Successful Living,” and her innovative nonprofit organization, ONE SPIRIT, ONE WORLD, Geela revolutionizes the conventional wisdom of achieving personal success and prosperity.

A recent study reveals that the overwhelming majority of Americans are now experiencing more stress and less true fulfillment and optimism then ever before. They believe that the odds of them winning the lottery are probably much better than their odds of attaining The American Dream. And the current climate of global terrorism coupled with growing uncertainty and failing systems and institutions only makes their faith in attaining The American Dream for success, happiness and fulfillment seems less likely. The American Dream is becoming more and more like the Impossible Dream.

When one looks at the evolution of the concept of The American Dream, it’s hard not to notice the sharp contrast of “before and after” or “this was then, this is now.”

The concept of The American Dream was basically originated from suffering periods of lack, following the Great Depression and WW2 when people had appreciation for work because it was scarce. The main concern was security and basic survival. As such, the focus of The American Dream was on wholesome values such as a strong work ethic, integrity, family, community and moral values. It created joy of life, pride in work and family and a sense of community. In sharp contrast, The American Dream is no longer attainable by most people. How many people can afford a home considering the ridiculously high prices? And decent jobs with stable companies are increasingly becoming a thing of the past. Sure, we have accumulated lots of stuff (toys), but they only bring us artificial joy, which is as fleeting as it is cruel.

It was hard work, integrity and wholesome moral values that provided the solid foundation for creating prosperity and economic boom in this country. It was prosperity with integrity and purpose that brought us a sense of real joy and pride coupled with a strong sense of community. However, success has its own trappings, and with success came the desire to “keep up with the Jones’s.” Need eventually turned into greed. The new generation wanted more, in fact they demanded a higher standard of living almost at all costs, even if it meant getting into serious debt. Life was no longer about family and community but instead was more about status (through money and power, with the obsession with fame and fortune for the wrong reasons). And thus began the pursuit of materialism with all the side effects associated with it.

And when need turns to greed, the results are inevitable. The same spirit that created capitalism and prosperity has also created corruption, compromised integrity and the erosion of wholesome values systems that eventually has led to failing systems and institutions.

In a materialistic driven society, where the love of power and money overcomes the power of love, anything becomes fair game. The system, including the media only perpetuated this concept of the newly evolved American Dream for self-serving reasons (to make more profits), while turning us from a nation of producers to a nation of insatiable consumers that made us forget our spiritual roots. Thus, human excellence has given way to human weakness while enslaving us to our own addictions and desires.

In fact, we hear so much about the Enron type of corruptions and dirty politics fueled by special-interest money, that it has virtually become an accepted practice.

The prevailing mentality in American society today is that you can get something for nothing. There is a sense of entitlement and an expectation of wanting the good life without having to work hard for it. This is reinforced, glorified and perpetuated by the media with shows like “The Lifestyle of The Rich and Famous.” When all you see is glamour, but not the hard work and sacrifice that goes into achieving success, it only inspires more envy and the desire for a “get rich quick” scheme leading to the erosion of morality and integrity.

Consider the break down of the family system. When both parents spend long working hours (sometimes just to make ends meet), their children are left alone, being raised by their peers, gangs and TV. Family values and compromised integrity simply don’t run parallel. By failing to instill good values in their children, children have become corrupted by default, increasingly turning to violence, which in turn negatively affects not only our way of life, but our economy as well. . Once again, the culprit is the pursuit of materialism.

Now consider the increased senseless violence at our schools and unchecked crime on our streets. Both can be traced to the pursuit of materialism, which drives people to corruption, compromised integrity and the erosion of wholesome values systems. Violence is a reflection of being away from family and community, an anti-social behavior and a lack of a sense of belonging. After all, how can children feel safe and truly cared for when they are left alone without any clear boundaries? Crime too, is a reflection of the growing frustration and anger resulting from the perception of lack of opportunity, and the equal sharing of prosperity. Call it like it is – it’s a class warfare between the haves and have-nots.

Here is a quick quiz for you:

* Do you know your neighbors? How about just their names?
* When was the last time you invited your neighbor to dinner?
* Why do you build a fence around your home?
* Have you noticed that the more possessions we have, the more we try to isolate ourselves with an attempt to protect our hard-won assets?

As tough as it is for our national pride to admit it, one can’t ignore the failing of our educational system as evidenced by failing test scores. This too is basically a reflection of the erosion of our moral values, work ethic and our failing institutions. Many politicians are driven by doing what is politically correct and getting elected rather than what’s in the best interest of the community. As the United States falls further behind the world in education, the negative impact on our economy will be felt too. Once we were the world’s leading producers of goods. But now our higher standard of living has escalated wages to the point where manufactures are taking jobs overseas (to places like China and India where cost of living is very low). As a result we are importing more and more of the goods necessary to maintain our excessive lifestyle. As a result, the foreign trade deficit has ballooned to an all-time high. Our addiction to consumption has forced us to go into debt to the rest of the world. The huge budget deficit we hear so much about is really a deficit in integrity. Our only edge in the world economy has been in technology and innovation. But in the absence of good education, we will lose this competitive edge too. And if we wish to maintain our high standard of living, we must produce something of value in order to remain a valuable player in the global economy.

But the break down is not limited to our systems and institutions alone. Our nerves and spirits are just as affected. With growing personal and national debt (with no way out short of a miracle or winning the lottery), out of control violence and crime, environmental and spiritual pollution, extreme stress, frustration, hopelessness, rejection over lack of opportunities, lack of accomplishments, or control of their own lives, send more and more Americans straight to a shrink’s office, take Prozac or worse, get hooked on drugs and other destructive substances as a way of coping. Many simply have reached their breaking point resulting in a diminished productivity at work, a diminished family harmony and enjoyment of life itself.

People are not as free as they would like to believe. The reality is that, knowingly or unknowingly, people are controlled, by virtue of being in debt and by being enslaved by the pursuit of materialism (a by-product of the pursuit of The American Dream as we know it). Perhaps it’s time to reflect on what really matters in life and ask ourselves the eternal question. “Are working to live or living to work?”

Many feel this country has seen its finest hour unless we develop a new attitude. In the words of a fellow immigrant, Arnold Swartznager, “no more business as usual.” It is a luxury we simply can’t afford. As an immigrant, who came from a different culture and a different values system and achieved The American Dream, not only do I appreciate the great opportunities and freedoms this great country has to offer, but I am able to see the sharp contrast and the cause and effect that contribute to the social and economic ills of our society. Indeed, social ills are an equal opportunity employer. But it is precisely because I care so deeply about this country, that I make my observations and offer innovative solutions in order to preserve the greatness of this country for future generations.

Finally, here is the burning question. How can one be happy and successful and still get a piece of The American Dream? How can we restore our failing systems and institutions and preserve a free and thriving society? What needs to happen is to restore a wholesome values system with integrity. We need to restore the true spirit of The American Dream which was based on perspiration, innovation, risk and reward. That’s when we can once again appreciate simple pleasures and discover that it is “He with the most joys lives,” and not “He with the most toys lives.” And perhaps only when the power of love overcomes the love of power can we finally get back on the yellow brick road to real prosperity, real peace and real fulfillment. Indeed, the best things in life are free, and all you have to do is recognize it.

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Latex Allergy and Positive Living

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Oct 202022
 

Learning to Live Positively with a Latex Allergy


Your child has a latex allergy: Perhaps a mild allergy; perhaps a life-
threatening one. Either way, you now have to help your child live with it. Of
course, to do so, you need to be able to live with it. You’ve done all the
research. You know to avoid balloons and bananas. You’ve latex-proofed
your house. Have you grieved?

While it might seem selfish, knowing that your child can never go near
latex, is the death of a dream for you-the dream of your child living a safe,
problem-free life. You have the right to grieve for his or her loss. Grieve
over the fact that your child can never blithely go to a birthday party
because balloons are integral parts of that experience.

So what should you do after you finish grieving over your child’s latex
allergies? That one is simple. Get mad.

“It won’t do any good,” you say. No, it won’t change your children’s latex
allergies, but you’ll probably feel better once you’re done being angry. Just
like grieving, this should only last a few days. Go ahead and be mad that
your child is “different”. Rant in private that it’s not fair that your child has to
worry about things other children don’t. Maybe throw a few (soft) things
because you’re upset that you have to explain over and over and OVER to
people that latex allergies are real and deadly, and because you’re tired of
repeating the list of foods your child must avoid in addition to rubber bands.

When you’ve allowed yourself to go through the mad stage, it’s time for
acceptance. It should be a bit easier now to accept that your life will be as
fully affected as your child’s life. Now you and your family can learn to help
your child cope with this life-altering allergy.

How do you deal with the fact that your child isn’t invited to a fast food
restaurant for a birthday party because all the kids will be in the ball pen-
the balls are rubber, and your child can’t participate. Explaining to your
child that he or she is being left out for their own safety is heartbreaking for
both of you.

Children with latex allergies react to the changes and limitations in their
lives in different ways. Some just accept it and move on. Others may accept
it while they are young, then lash out at the world when they are older and
more fully comprehend their limits. If your child struggles with the
emotional pain caused by their allergy, you may need to guide them
through the stages of grief, anger and acceptance. Children will often stuff
their frustrations deep inside because they are trying to be “good”, so you
may have to talk with your child and give him or her permission to express
sadness or anger at the difficulty this allergy brings with it.

A great way to help a child with latex allergies cope is to involve them in
protecting themselves and other children with the same problem. You’re
probably becoming a bit of an activist already, possibly fighting a school
board to make sure that your child’s class (and preferably the entire school)
is latex-free, or asking toy shops to have lists of latex-free toys on hand. Let
your child get involved too. Bring them along when you go before the
school board and let them speak about their own need for safety and how
latex affects them. Involving your child helps them feel like they are taking
back some of the control over their life that their allergy took away.

When your child stands up for him or herself, they are standing up for every
child suffering latex allergies, or anything else that makes them different.
Speaking out about their problem not only helps your child cope, but
makes a positive contribution to the community. And with as fast as latex
allergies are growing, especially among adults in the healthcare field,
awareness of the problem needs to increase quickly.

It seems like an uphill battle to educate other people about the danger of
latex allergies. There will always be another parent to explain things to,
another toy shop to educate, another battle to fight. But the effort is far from
useless. You and your child will connect with people. You will both make a
difference, because even tiny victories help make the world a safer place.
Most importantly, you are teaching your child to be pro-active and not let
their allergy rule their heart and soul.

Latex allergies will create daily wear and tear on you and your loved ones.
It’s important to make sure you don’t let yourself get run down. Take care of
yourself so you can withstand the coming years of helping your child
maneuver through the dangers of a latex-filled world.

Reach out to others in a similar situation. Perhaps you won’t find anyone
else locally who is dealing with latex allergies, but they are on the rise, as
are wheat and peanut allergies. Why not band together and pool your
energy as well as your resources? Talking to others who have been there
and done that will help both you and your child. If for no other reason, when
they say that they understand they truly do.

Finally, though being pro-active in spreading the word about latex allergies
and encouraging change to a safer environment is good, don’t let your life
or your child’s life become consumed by their allergy. It’s very important to
spend time doing things and discussing subjects that have nothing to do
with latex. Planning activities that are safe may take a bit of advance work,
but it will be worth it when your child is able to completely relax and just be
a kid like everyone else.

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