GIVE TO GET: Ways to get up and out of debt

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So you have found yourselves drowning in unpaid bills, credit card nightmares, and you don't know how to get out. There is a simple solution but it takes time to apply it. It is not too difficult a concept to grasp but it is very hard for people to understand--IF YOU CANNOT AFFORD TO PAY CASH FOR IT---DON'T BUY IT! There is so many ways to apply this principle but you have to really think about where all of your money is going. When you get your paycheck, where does it go? I think the best way you can figure this out is take a week and write down every time you pull money out of your pocket; it doesn't matter if it's for a can of soda or gum, write down every transaction that you make in a given week. Another good way to put more money in your pocket is to stop smoking, the revenue you can save from not paying 5-6 dollars a pack is tremendous. A few years back I took the money I was going to spend on cigarettes and put it into a savings account and by the end of one year I had enough for a decent car. Going out all the time, stopping at the bar for 6 or 7 it all adds up and it's defeating your purpose--BUDGET your factors carefully, from the smallest to the largest and after you have looked at your list--SIMPLIFY! The next week after your analysis of your list, ask yourself "Is this a necessity? or a luxury?" Necessities are essential to get handled first--however, you are allowed to treat yourself once in awhile. This may make no sense to a credit card, easy pay options, buy no-pay later generation but you have to realize that if you buy something on credit and only make minimum payments it takes two-three times as much money to buy it. You should be finding a good deal, paying cash for it, and releasing yourself from the INTEREST prison. Some cards are 28% interest and since everyone is using credit and debit cards instead of carrying cash; that adds up to major usage fees. The cards are charged for every little thing you do--access fees, POS (Point of Sale) transactions, ATM fees, Member fees, ADD money to your card fees, the list is endless. I personally use a prepaid debit card--I pay a few bucks to load cash on it and then have the same ability to purchase online or use like a credit card; however, I can only spend what I put on it myself. They are not attached to bank accounts, they are based on loading them with your own cash, (think prepaid cell phones), there are many benefits to these cards. You are able to shop online, you are able to rent cars, hotels, etc. You are able to go to a local area near you and load your card with cash for a small fee; i generally pay $3.95 per load; or if you want to go all out you can direct deposit your paycheck on the card for no fees. Your money is available within a few hours and with ONLINE bill pay--you can pay almost anyone or any company you deal with on a regular basis. Another advantage is IDENTITY THEFT is minimized because even if they get your card and pin number they can only get what is on the card. I also use my card to store cash for monthly fees for companies like NETFLIX, EBAY, GAMEFLY etc. It also makes a great place to store money; some cards even pay interest like a savings account. There is some great places online to save money--safe and gaining good interest as well, my favorite is ING direct as well as online stock places like SHAREBUILDER. So now that you have some options to get more use out of your money the next step is the simplification. You need to think about where your money goes, what you can completely cut out, and what you can live without for a while. As you begin to cut out some stuff that you can survive without your finances will improve. I personally will take all of my credit debt and transfer it to one card--that makes one credit card payment not 57 seperate ones; lets face it guys gas is not getting any cheaper, groceries are not getting any cheaper, utilities bills are skyrocketing, the factor is you. If you can get your money to work for you that is the key. If you don't own and operate a small business, get into one--the tax advantages are enormous. That will be for another article though. Anything that is not making you money should be considered a liability, if you do not control your stuff your stuff controls you. The mini storage business is booming because people have so much stuff their place can't contain it. Lucrative at 25-75 dollars a month to rent an empty 10 by 10 room, you bet! The bottom line is this--MONEY IS A VEHICLE, IT CAN TAKE YOU WHERE YOU WANT TO GO BUT IF YOU CONTROL IT, IT CAN NOT CONTROL YOU. My final point in this diatribe is GIVE!!!!, when you give to others it somehow comes back to you, in order for this exchange to occur you have to give. Your house or apartment is filled with things just gathering dust, someone else could need them, it could be making you a nice side profit--the internet is filled with donation sites, sales sites, and you can even post for stuff that someone else has for stuff you have. The bartering system is alive and well in cyberspace--2 of my favorite sites for this are CRAIGSLIST, and FREECYCLER---Free to post what you have or what you want, amazing place to look for extra income, business contacts, relationships, merchandise, and see what other people want; you never know that old motorcycle under a tarp in your garage may fetch a handsome price and give you space as well as funds to buy the one you have been wanting for the last 6 months in the dealership window. GIVING is fundamental to any success, give to charities, give to your local organizations, give to your churches--money has to be circulated to find its way to where it has to go. Holding on and hoarding stunts that process--let go of the stuff factor and see what comes your way--we are so worried about what we are letting go of we don't see what is coming towards us. Just remember when it comes to being successful the more you can give the more you can get. So in conclusion, DON'T BUY WHAT YOU CAN'T AFFORD and amazingly some of your biggest debts will go away and GIVE---it always comes back to you. Use money as a tool don't let it use you.

HCG--Your way to lose 30 pounds in 30 days

Pure HCG drops taken with a 500 calorie diet a day can start your body burning fat like a machine.  For the cost of going to the gym or a few good nights out you can get that slim body you have always wanted.  The reason HGC works so well is that it changes you from the inside out; the first 4 days are a challenge but once you get through them you will breeze through this program.  More energy, less fuel to keep you going, and the inches melt off your problem areas your arms, your legs, your fatty tissues around your middle and you will definitely get results.  The best thing you can do is get the Facts and find out all you can about this amazing medically sponsored cure for obesity.  For more information and to order your first months supply you owe it yourself to stop by http://hcgweightlossdietplan.com and see what all the talk is about you have nothing to lose but Pounds of Unwanted Fat.

Benefits of HCG Weight Loss

• HCG Drops help you lose fast, NOT muscle
• Targets the flabby fatty areas like the:
stomach
buttocks
thighs
chin
chest
under arms
• Also targets unwanted fat on the back near the bra line
• Real Hcg aids in tightening and firming skin
• Reduces the appearance of cellulite
• Increases the metabolism and energy levels
• Decreases sugar and carbohydrate cravings
• Decreases appetite without hunger pangs
• Increases libido in both women and men
• Little exercise needed, oral HCG is a time saver
• Perfect for women in menopause
• Ideal for women who have had a hysterectomy
• Women lose an average of 20-30 lbs of fat in 30 days
• On average, men lose 25-45 lbs of fat in 30 days
• 100 FREE HCG recipes included
• REAL HCG drops, so effective it comes with a test kit!

The oral hcg diet drops work and will help you lose weight fast and keep it off by resetting your bodies metabolism. YOU MUST GET THE REAL HCG DIET DROPS! Other products are not as effective. Call 888-707-1816 and buy HCG today!

The amazing incredible Fit system from Tahitian Noni is here to change your life physically and financially

Spring has sprung!  Are you happy with the way your body looks?  Summer is right around the corner and have I got a system for you.  We all know diets do not work, the first letters in diet are DIE and that's never a good way to think about something that's supposed to be good for you.  This system will change your body composition by getting you to burn fat but keep the lean muscle.  The coolest thing about it is you can throw your scales away, stop counting calories, and live like you want to.  By following this six step regimen you will begin to feel your clothes fit better, personally, I have gone down at least two sizes in pants,  more energy, and less gouging on food.  The whole system comes with everything you need for a month for less than those other systems with better results.  It's like reprogramming your body's metabolism to burn the fat faster than you ever thought possible.  More information can be found at  DIETS DON'T WORK  your code for entry is 3176687.
Watch the videos and hear what a group of awesome food scientists have done to make it easier than ever to reshape the new You.  The best part is by sharing your results with others you can become a Residual Income earner, and get paid weekly and monthly with bonuses, trips, cruises, trips to Tahiti, and cash prizes.   There is a world of opportunity in Tahitian Noni that will create the lifestyle you have always dreamed of.  Feel free to email me with your questions and concerns  Steven Holten <----------(click here to send me mail)  I look forward to sharing more information with you.

 Every Tuesday evening (8 PM CST) you can hear the story of Tahitian Noni and all about FIT, Defy, and the new stuff we have planned.  Just dial  1-712-338-8000  3932# and learn from one of today's greatest Noni millionaires Dayle Maloney.                                                          

CHEWABLES are HERE!

OMG!  The best multivitamin ever to appear on the landscape is now in chewable tablet form.  It tastes great and has the same benefits for your body as liquid 10-in-1.  You can find out all about this awesome product, the new sample packs for giving away samples, and the easiest money-making opportunity out there.  This business only requires you to buy one bottle of product a month--less than 50 bucks a month  no matter how much money you make.  You can make millions of dollars in GBG and only pay that small fee til the end of time; even willing it to your grandchildren.  A solid company with an eye on the future; debt-free, awesome product, and an incredible training system via e-mail, skype, webinar, etc.  Learn how to earn by the ones who are making it happen--the true way to success is to help others get what they want FIRST and you will succeed.  Forget about the money and concentrate on changing others lives not by telling them what they need but by giving them the opportunity to learn.  Give a man a fish; he eats for a day but teach a man to fish and he will eat for a lifetime.

The only other thing you can do is meet peoples needs not just PRAY for them--for the record a jacket will keep someone from freezing, a prayer will warm their hearts.  In the Holy Bible, the book of  James Chapter 2, verses 15-16(KJV) it says

 If a brother or sister be naked, and destitute of daily food, and one of you say unto them , Depart in peace, be ye warmed and filled;  notwithstanding ye give them not these things which are needful to the body; what doth it profit?

In other words prayer doesn't fill a growling stomach, feed them!  Let's all bond together and walk through this world helping others rather than just helping ourselves.  May the Lord give you peace and expect miracles every day!

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GOLD RUSH 2011--Tahitian NONI and the new FIT system

2011 is a brand new year and the beginning of a brand new YOU.  If you want to change your life, change your thought patterns, and take ACTION when you are presented with a way to change your life.  Every Tuesday evening at 8 PM CST  you can tune into the Tahitian Noni Opportunity call  that number is 712-338-8000   3932#


Go and see for yourself at http://www.2011GlobalLaunch.com  your entry code is 3176687 and see the story of FIT Body Composition system.

  My new life begins with an advertisement from a radio station I listen to ,pardon the pun, religiously.  This wonderful station has changed  my life over the course of five years; Spirit 95.9 FM runs numerous programs of a Christian variety such as Joyce Meyers, Pastor Bob Coy, David Jeremiah, Mark Hankins, John Hagee, Matthew Hagee, Billie Brin, Adrian Rodgers, It's Supernatural with Sid Roth, Charles Capps, Ken and Lynette Hagin and many others.  While driving home from work one evening in January I heard the commercial that is changing my life as I am writing about it.  A man began to talk about how he had become a multi-millionaire with a network marketing business and offered free information as well as a free book.  I thought could this be the guru I have waited to teach me the secrets to untold riches and something had me pull out my cell phone, call the number and request my free book.  Amazingly enough, I kept it to myself and waited for my book to arrive along with the information about his company.  Was I ever surprised when I got a return phone call from the man himself, Dayle Maloney, author of "I Could Have Quit Ten Million Dollars Ago"; my book was even personally autographed.  Dayle asked me if the book had arrived and if I had a chance to look at the information on Tahitian Noni.  I had some knowledge of Noni from back in the 90's and was eager to hear more. After what I heard about the growth of the company, the low cost to get involved, and the promotion with Spirit 95/Bob106 I wanted in.  How could you turn down a chance to learn from someone who was willing to show you how to succeed.  Cash flow was an issue due to some promised payments  to be made so I decided to read the book and get involved in two weeks . It just happened that on Saturday, January 8th, Noni was about to launch it's new Body Composition system FIT and I got invited to the launch in Minneapolis but I had to work.  I promised to keep in touch with him and hung up the phone.
Then I found out that my father-in-law grew up with Dayle and was best friends with his brother that was a big incentive to know people who knew Dayle respected him and recommended working with him.  Little, did I know my journey was just beginning.

I dove into his book like a treasure hunter looking for a golden X, the book told of Dayle's upbringing in the town of St Croix Falls, 3 miles from where I live.  How his life had taken a turn for the worst when he turned 19 and contracted polio.  Dayle would not give up and throughout his bout with polio he pushed through what the doctors said he would never do again, walk.  After much work and struggle Dayle walked out under his own power and he takes life on as a challenge the same way.  By the age of 46, Dayle and his wife were $350,000 in debt, evicted from their $425 a month apartment, and desperate to get out of debt.  The story is a true profile of a survivor that now has become known throughout the world as Mr Network Marketing/Mr MLM,  and is now worth millions yet stays completely humble.  As those two weeks of submerging myself in Dayle and all things Noni, a few things happened, Tom Stamman of Impact ministries, paid a visit to our church and my wife attended while I was working, after I got off work my wife picked me up and we drove back to the church.  Tom always has a word for everyone from God and we are no exception, in fact our relationship began with Tom Stamman before I even met her.  Carmen had told me in the car what Tom had preached about that evening was all about finding the ones with knowledge and learning from them to become successful, it confirmed the word I had gotten from my heart about Dayle,
Tom spoke over us again about our success was around the corner and we would be helping a lot of people with our earnings even possibly a ministry with a 501 c-3.  That was awesome the night before payday and I was ready to meet with Dayle personally to get involved, I left a message that evening to say we would like to come up and see him personally before we made a commitment.  One problem, our car, starter issue was the problem but we thought it was the battery so we went to Wal-mart

Everything was falling into place as we met Dayle and his partner Tracy Ternberg at Famous Daves in Eau Claire, WI; we chose a nice table and started talking about the January 8th launch of FIT.  It was a comfortable engagement where we learned about each other and sized one another up.  Dayle was the genuine article and we talked about what each of us could do and what we needed help with.  The food finally got ordered because we talked the whole time we were supposed to be looking at menus and then when the food arrived we talked while we ate.  After lunch we spent some time with Dayle in his office and learned more about the company, the radio station, print ads, leads etc.  I was sold and signed up on the spot.  Then Dayle set up an appointment with us for the following Thursday to come to St Croix Falls and do a meeting with my prospects.  We left the office with a ton of literature, some Noni and bunch of good stuff including the FIT Resist bar, which rivals a Snickers and is good for you.  The following week we invited many people to come and meet Dayle and a few showed up; those that did were treated to a presentation of Noni and Fit with samples/ I twas a great time and we hope to do it again rather soon.  So check out our journey via blog or come join the madness that is our new beginning.