Friday, December 7, 2007

WIPE OUT DEBTS WITHOUT BANKRUPTCY

WIPE OUT DEBTS WITHOUT BANKRUPTCY

In 1938 a federal law was passed known as the Wage Earner Plan. It is administered by the same branch of our courts that handle bankruptcy. You must be a wage-earner to use the law - that is the primary requirement. The Wage Earner Plan does not in itself 'wipe out' debts, but a little-known proviso of your filing requires that your creditors must appear to verify your indebtedness to them. Statistics indicate that 40% fail to appear, in which case, those debts are indeed 'wiped out'. In some cases 100% of the creditors fail to appear, which enables you to wipe out ALL your debts without bankruptcy. If some of the creditors do appear, then the court allows you to spread your payments out over a three year period in smaller amounts so that you can afford to pay.

Once you file under the Wage Earner Plan, you stop bill collectors, lawsuits, judgements, assignments, seized bank accounts, and other actions against you. And to top it off, your credit rating is, in many cases, improved because you made an honest effort to work with the lending firms. Additionally, if the seller used deceptive trade practices to induce your purchase, your debt may be wiped out under the provisions of the Uniform Commercial Code. Under the Homestead Act, your residence can be exempted from levy to the extent determined by local law. Check at your local courthouse.

THE FREE CREDIT CARD TRAP

THE FREE CREDIT CARD TRAP

They arrive in your mail - a conspicuous looking mail piece from some

"official looking" bank claiming that you have been Pre-Approved for a

Mastercard or VISA credit card.

Of course, you don't have to have any credit. You can even have bad

credit or have just filed bankruptcy or even be rated as a "slow payer."

It doesn't matter because these companies want to give you a second

chance!

These companies want to make it easy for you to obtain a credit card

because they only want your money!

How the thing works is that you must send $35 to receive an

application that provides you with a name and address listing of

banks willing to give you a VISA and/or Mastercard without any credit

approval. That's a stiff price to pay for a sheet of paper, don't you

think? The instructions that come with the application will let you know

how the scheme works. You must open up a bank account with the

bank once that bank approves you. Big deal! They make it appear

that you have won some contest or something and people will feel

"good inside" that someone has approved them.

But that's not all. The minimum amount you must deposit is $200 but

you can deposit as much as you want. In return, you get a Mastercard

or VISA credit card with a credit limit up to the amount you deposit.

Wow! What a great honor! This is no break! Think about it. If a

stranger gave you $200 to hold for him until Friday wouldn't you feel

safe in granting them a $200 loan?

I mean it's their own money you've got. If they default, you've got the

full amount to pay off the loan. It takes a twisted mind to take $200

from you, grant you $200 credit with your own money plus charge you

astronomical interest rates just to take the money from your hand and

give it back to you. That's insane!

Of course to combat this insanity, the great and wonderful banks

claim to help fix your credit report. They say that if you maintain

payments in a correct fashion, this information will be reported to the

credit bureau.

Yea, right! When Shell calls the credit bureau to check your credit for a

gas credit card, your report shows 47 defaulted loans and a

bankruptcy.

However, there is one company that you make payments to on-time.

Big deal. Don't you think the rest of your bad credit will still be the

deciding factor in Shell's final decision. You bet you bottom dollar!

Look at this: the bank makes money from the interest of your deposit.

The bank also makes money by charging you 18% to 22% interest for

the right to use their Mastercard or VISA. Plus the bank is guaranteed

their money because if you don't pay on time, they take the money out

of the bank account you opened with them along with any interest you

have accumulated.

Why would anyone with $200 to deposit want a credit card with a

$200 limit? If you have $200 and want to buy an item for $200 go out

and purchase it. That way, you'll own it lock, stock and barrel. No

interest, no payments, no hassle! Plus, you won't owe your soul to the

company store sort-of-speak.

Credit is a wonderful thing if you use it intelligently. I know people who

charge $100 at the beginning of the month and use that $100 to make

$300. It's free money for 30 days. Then, when the bill comes, they

immediately pay the entire balance and come out smelling like a rose

with $200 to the good.

Credit is also needed in certain circumstances for establishing clout.

You can't call in a telephone order unless you can charge the purchase

to your credit card. This delays you getting items you want now.

In fact some companies will try and make you feel "low class" if you

don't own a credit card. I am proud to say that I DON'T OWN one.

When I'm in a store and they say "Would you like to put this on your

charge?" I promptly say, "No, I pay for everything I buy!" They

immediately shut up. And if they would snap back with a rude answer,

I'd leave the stuff sitting on the counter, walk out of the store and get

what I needed somewhere else. You don't have to take abuse just

because you don't choose to line the pockets of the rich credit card

companies! It's insane!

If you've ever had a credit card and charged $200, you know you end

up paying back $400 or more (unless you pay the balance within 30

days.) Stop allowing these so called banks to rip you off.


THE CHEAPEST WAY TO DISTRIBUTE 8 1/2 X 11"

THE CHEAPEST WAY TO DISTRIBUTE 8 1/2 X 11"

CIRCULARS

Co-op Mailing (short for co-operative) means that two or more

businesses share in the cost and distribution of a direct mail

campaign. It's kind of like having you and another non-competing

business split the cost of printing, aseembling and mailing an

advertising flyer to a shared (same) marketbase.

Co-op dealing is very beneficial (and usually safe) for everyone

involved. One example of co-op dealing in mail order is to send your 8

1/2x11" camera ready circular to a co-op printer and they'll print your

ad on one side, their ad on the back side and ship them back to you

for a low cost of around $10 per 1,000. You get your printing almost

free and the other dealer gets his or her flyers mailed on the back of

yours free.

But what do you do with them when they are mailed back to you? If

you're new to mail order it's doubtful you have a mailing list to

distribute them to. Plus, postage costs alone would run you about

$290.00 first-class. At this rate it would have been cheaper to send

the camera-ready to a tabloid or adsheet publisher rather than by a

co-op. But don't despair.

Simply have the printer ship your copies to a co-op circular mailer

instead of sending them to you. A couple good circular mailers we

recommend are BMG Services, PO Box 429, Johnson KS 67855

(your cost is only 1c for 8 1/2x11 pre-printed circular) or Thorn Gifts,

1807 Stillwater #5, St Paul MN 55119 (your cost is only 5c for each 8

1/2x11 pre-printed circular.) Why the difference in price? BMG mails

by bulk rate and Thorn mails by first-class. Either method is effective

and sure beats paying 29c each.

In addition, you benefit from the mailing list of the circular mailer. If

this particular mailer sells a mailing list, having them do a 1,000 or

5,000 "test" mailing for you would be a way to test their names. You

should get a few responses from a mailing of this size but it all

depends on "what" you are offering and the "price" you are offering it

for. It's very difficult to sell any item for more than $50 on a 8 1/2x11"

circular. For items costing more than $50, you need to use the two-

step approach. In other words, use the 8 1/2x11" circular to generate

inquiries and follow-up with the complete sales materials that

constitute the higher price the customer may decide to pay.

Another idea is that you could contact a dealer with products and

services not conflicting with your own and ask them to co-op mail for

you. In this deal, you would pay for the 2-sided printing (with the

mailer's ad on back of yours) and he/she would mail them for you free

of charge. It works!

Another way to co-op deal in mail order is by co-op advertising. High

Mountain Advertiser and Popular Advertiser are both long running co-

op publications. You place your ad the first time through a dealer and

all future ads are 50% less. Then you have the option of mailing pre-

printed copies with your name in the publisher's block as an

authorized dealer. When other people order advertising, they will send

their orders to you.

You keep 50% of the money and send the rest (along with the order)

back to the publisher. This way, you can have your 8 1/2x11 circulars

printed and mailed in a publication at a 50% savings.

Coal Publishing, 27 South 4th Avenue, Highland Park NJ 08904 also

offers co-op advertising in their "Small Business Keeps America

Growing" tabloid. For the low cost of $35 per tabloid-size page, you

can have your 8 1/2x11" circular along with four 2-inch ads printed and

mailed to a whopping 5,000 circulation. All you are responsible for is

the mailing of 200 of them. Any beginner can handle mailing 50 per

week to a mailing list or to their own customers. Besides, no one can

offer you a 5,000 honest circulation for this price. This is a real money-

saver!

If you market the direct mail method, it's a good idea to send a good

circular you plan to keep around for awhile to a mail order printer and

have 1,000 printed on 1 side. Then, you can use the back of 100 or so

for testing purposes of other circulars. Run down to the copy shop and

run the circulars through the copier by printing on the back side. Only

run 100 or less and send them to the best names you can find. If they

pull orders, you may have a winner and can have 1,000 printed.

Nothing is more annoying than being stuck with 1,000 circulars with

something you want to mail on one side and something outdated on

the back.

NOTICE: Rates and prices shown here were current at the time of

writing. Call for quotes.

SELECTING THE RIGHT BUSINESS NAME

SELECTING THE RIGHT BUSINESS NAME

Ask 500 people already in business how they decided upon their

business name and you will get 500 different answers. Everyone has

a story behind how they chose their own business name. Even if the

business is named after their own birth name, there's a reason why

this was done.

When you open a business, in a sense, you are causing a new birth to

begin. This new birth was created from an idea alone by you or your

associates. It will have its own bank account, it's own federal

identification number, it's own credit accounts, it's own income and it's

own bills. On paper, it is another individual! Just as if you were

choosing a name for your own unborn child, you need to spend

considerable time in deciding upon your business name.

There are several reasons why a good business name is vitally

important to your business. The first obvious reason is because it is

the initial identification to your customers. No one would want to do

business with someone if they didn't have a company name yet. This

makes you look like an amateur who is very unreliable. Even if you call

your company "Kevin's Lawn Service," a company name has been

established and you are indeed a company. People will therefore feel

more comfortable dealing with you.

Secondly, a business name normally is an indication as to the product

or service you offer. "Mary's Typing Service," "Karate Club for Men,"

"Jim-Dandy Jack-of-all-Trades," "Laurie and Steve's Laundry,"

"Misty's Gift Boutique," and "Star 1 Publishers" are all examples of

simple business names that immediately tell the customer what

product you offer.

However, most people will choose the simple approach when naming

their business. They use their name, their spouse's name, their

children's names or a combination of these names when naming a

business. The national hamburger-restaurant chain "Wendy's" was

named after the owner's daughter.

However, research has proven that these "cutesy" names are not the

best names to use for a business. Many experts claim that it makes

the business look too "mom-and-pop-sie." However, this depends on

the business. If you are selling something that demands this mood or

theme to appeal to your market, it's best to use this approach.

Personally, I am inclined to name my businesses with catchy names

that stick in people's heads after we have initially made contact.

Names like, "Sensible Solutions," "Direct Defenders," "Moonlighters

Ink," "Printer's Friend," "Strictly Class," "Collections and Treasures,"

and "Starlight on Twilight" are all good examples of catchy names.

These types of names relate to your product or service but serve as a

type of slogan for your business. This is a big help when marketing.

A friend I know owns a business called "Mint and Pepper." He grows

and sells his own line of raw seasonings to people in the local area. At

a get-together for small businesses, he passed out his business card.

The card had a peppermint candy glued on the back and the slogan

read: "Your business is worth a mint to us." This marketing concept

not only got my friend noticed and remembered, but brought in several

large orders for the business.

When you name a child, you may not decide upon a definite name

until after they are born. You do this because a name is sometimes

associated with a type of personality. When you name a business you

may need to wait until you have a product or service to sell and then

decide upon a business name before going into the business itself

because your business name should give some clue as to what

product or service you are selling. A business named "Joe's

Collections" normally wouldn't sell car parts and a business named

"Charlie Horse" would not sell knitting supplies.

To generate ideas - begin looking at business signs everywhere you

go. Notice which ones catch your eye and stick in your mind. Try and

figure out "why" they stuck in your mind. Naturally, the business

"Dominos Pizza" sticks in your mind because it is nationally known.

These don't count! Look around and notice the smaller businesses.

Take your time. Within a few days you should be able to come up with

a few potential business names.

Then, when you finally find a few names you really like - try reciting

them to other people and get their opinion. It won't be long until your

business will have the proper name that will carry it through it's life!

MAIL ORDER HINT:

Try to avoid very long names so they will fit into small display ads.

Amalgamated International Enterprises can be easily presented as

AIE - which is easier and shorter to spell.


SECRETS OF THE RICHEST PEOPLE

SECRETS OF THE RICHEST PEOPLE

Would you like to realize your goals? Maybe you'd like to run your own business, expand your material possessions, or succeed in the arts. There is no one path to the pot of gold, but many people of all backgrounds have successfully found it.

Whether you want to follow the ways of the great financiers, the famous politicians, or the dynamic movie stars, there are common modes of behavior each of them followed. And in many cases, they have shared their secrets so YOU CAN FOLLOW THEIR FOOTSTEPS.

"If you wish to know the road up the mountain, ask the person who goes back and forth on it," said the ancient sage, Zenrin. What better way is there to know the secrets than to ask those who made it?

What goals do you want to achieve? And what amount of effort can you commit? You may want money for the extra things in life, money to build a corporate empire, or money to support yourself while you pursue the fine arts.

Perhaps you'd like to take the risk to start something new in your life. You may want to open your own business, devote your energies to an artistic career such as acting, or reap the benefits of your yearly endeavors with fabulous vacations several times a year.

What will bring you happiness? The satisfaction of success takes many forms. Not only are people seeking financial fortunes, but also the ancient goal of peace of mind.

Do you worry? You might be concerned about your health or your family's well-being. You may be anxious about the added expenses of education, medical bills, or the steady increase of cost of living. There are ways out of the endless cycles of worry, stress and anxiety. Right now, you can rise above the whirl of survival to achieve the accomplishments you dream of. When you're ready to put your whole effort into realizing your goals, YOU WILL SUCCEED.

WHAT ARE RICHES

"Had I but plenty of money, money enough to spare," wrote Robert Browning. And money is the greatest attribute of riches. A universal desire, money is the materialization of riches, the stuff that makes the rest possible.

Are you looking for financial security? For retirement, for education or leisure? Riches are the overflowing abundance of material possessions - houses, cars, boats, furnishings - everything you ever wanted.

Centuries ago, Horace wrote, "By right means, if you can, but by any means, make money." For many people it is a path towards happiness, a cure-all for worry and peace of mind.

For others, riches come in the form of satisfaction and personal independence. Satisfaction comes from accomplishment in employment or attaining goals. It is that feeling of contentment and confidence from a good task well done. Riches are closely linked with success. And with that comes fame and acknowledgment of position. Success might be the feeling of well-being from the rewards of good effort. Or the enthusiasm and vitality triggered by recognition.

"Success is how well I enjoy the minutes," said producer Norman Lear.

Throughout history, the people who lived with riches often achieved them by hard work, diligence and a belief in themselves. For some people, it took courage, genius and stamina.

But for many others, it took nothing special but the desire to turn dreams into reality. Whether you want millions of dollars, recognition as an artist, or personal freedom, you have the ability to make your life as rich as you want.

Think about what you most desire. It may not be hard cash, but what it can buy. Or it may be those feelings of inner satisfaction, from creating something beautiful or strong.

You may want personal independence from the work week, or freedom to live anywhere you want. You may be looking for something meaningful and significant in life - something other than things money can buy. Whatever your goals, and however difficult they seem to be to accomplish, you have the ability to become who you want. Take a look - can you see yourself surrounded by riches?

Picture the world open and in front of you, ready to become the form of your dreams, ready to stage your desires. "Why then, the world's mine oyster," wrote Shakespeare, "which I with sword will open."

WHO IS SUCCESSFUL?

Many people who achieve fortune in the world are not born rich. But they accomplish their dee hard to implement as it will bring in lots of ordersires through hard work and a plan of action.

Every type of person on earth can become successful. There are saints and scoundrels; philanthropists and thieves; poets and politicians; young and old. There are no limitations or physical boundaries for success.

Success comes to those who think about success and strive for it. Although many rich financiers at the turn of the century had no formal education, they overcame that and went on to great fame.

Some people strive towards a single goal from early in life, and often attain that goal while still young. Others are willing to risk new adventures later and still attain success.

"It's never too late to learn," wrote Malcolm Forbes, the money magnate. "I learned to ride a motorcycle at 50 and fly balloons at 52."

Whatever your task, whatever your obstacles, you can be as successful as anyone else. Study the people who accomplished recognition in the areas of your pursuit. How did they achieve their goals?

And don't be afraid you don't have what it takes. As Daniel Webster wrote, "There is always room at the top."

FORMING CONVICTION

The single attribute that every successful person has is the one-pointed devotion to attain a goal. "There in the sunshine are my highest aspirations," wrote Louisa May Alcott, "I can look up and see their beau§ty, believe in them, and try to follow where they lead."

What are your desires? How can you form them into definite goals that you can attain? Lawrence Peter wrote, "If you don't know where you're going, you'll probably end up somewhere else."

Maybe you're studying a craft or skill. Perhaps you're caught in a rung of the corporate ladder. Or, you might feel constricted by your family and the environment around you.

Which star are you reaching for? "Ours is a world where people don't know what they want and are willing to go through anything to get it," wrote Don Marquis.

Take the time to think about your own aspirations. Look inside to find what feels right. Almost everyone entertains the notions of fame and fortune, but put on the costume that fits you.

Conviction requires certain qualities of action. You must be sincere and be willing to assume responsibility. And you need the self-discipline necessary to work towards your goals.

Are you prepared to achieve your dreams? Can you form their reality in your mind? Will you devote your entire being to attaining what you want?

ON YOUR OWN

Most millionaires are non-conformists. So are the most famous actors and actresses; and the most prominent artists. Writers are known for their individual traits and eccentricities.

Your convictions and goals are your own business, even when you find help along the path. Mentors often take people under their wings to nourish and teach. Or spiritual guides will show you the path to attainment. But you're on your own to achieve.

Cultivate a sense of justice and an ability to make decisions. Cooperate with everybody and develop your own self-respect. And follow good criticism and advice after you've judged carefully. J. Paul Getty said, "I advise young millionaires to be skeptical of advice. They should advise themselves; they should form their own opinions."

Lord Byron wrote, "There is rapture on the lonely shore." And if you attain your goals with poise and sincerity, you'll find warmth and love at the top - not the cold loneliness pictured by the jealous.

Put on blinders to negative comments and criticism meant to hurt you. About the people who criticize, Voltaire wrote, "Never having been able to succeed in the world, they took revenge by speaking ill of it."

SEIZE THE DAY

People are judged by what they think and what they say. But the true measure of their character is what they do. Anyone who has achieved success and fortune in the world has done it by action.

William Jennings Bryan wrote, "Destiny is not a matter of chance, it is a matter of choice; it is not a thing to be waited for, it is a thing to be achieved."

The choice of the path you follow is often put before you as opportunity. "Few people recognize opportunity," said Cary Grant, "because it comes disguised as hard work."

Don't let opportunities slip past while you're still considering them, and create new ones as you see them. "Wise people make more opportunities than they find," said Francis Bacon.

What opportunities can you act upon? Woolworth saw a need for small inexpensive items and opened the chain of stores that grossed billions. Wrigley started giving gum away as a bonus from a supplies wagon he sold from, and saw the opportunity to make mon§ey from the gum that became in high demand.

All successful people the world over have found the opportunities for their own special talents and acted upon those ways to achieve. Why wait for the time to pass? There's never a better time than now.

"Sometimes," wrote Lewis Carroll believed as many as six impossible things before breakfast." Take your own impossible dreams and make them become reality.

HOW THEY THINK

Thousands of potential millionaires are born every year. And making a million dollars is coming closer to everyone's pocket. What advice did the money-makers follow?

Aristotle Onassis worked eighteen hours a day to maintain his fortune. He started as a welder and aimed for the top. "You have to think money day and night," he said, "you should even dream about it in your sleep."

John D. Rockefeller, Jr., said, "I believe in the dignity of labor, wheth§er with head or hand; that the world owes every person an opportunity to make a living."

And J. Paul Getty acknowledged his hard work: "I have no complex about wealth. I have worked hard for my money, producing things people need."

Even Proverbs advises: "In all labor there is profit."

Richard Bach, the author of the best selling "Jonathan Livingston Seagull" wrote, "You are never given a wish without also being given the power to make it true. You may have to work for it, however."

The Empress of the British Empire, Queen Victoria, admonished, "We are not interested in the possibilities of defeat."

DO YOU HAVE WHAT IT TAKES?

There are qualities of endeavor and achievement that are common to many people who make it to the top. The following questions are a guideline to self-enterprise and attaining your goals.

1. Do you prefer to work for yourself than for others?

2. Are you well-informed on current business and political affairs?

3. Are you a leader?

4. Do you take advantage of opportunities?

5. Do you pay attention to what other people say?

6. Can you finish a job even when it is difficult or unpleasant?

7. Are you challenged by problems?

8. Do you have a goal you want to achieve?

9. Do you consider other people?

10. Do you strive to attain?

11. Can you obey commands?

12. Can you bounce back after defeat?

13. Do you believe in yourself?

14. Can you stand by your actions in spite of criticism?

15. Can you follow instructions?

16. Can you respond to the needs of others?

17. Will you give credit to other

18. Can you make your own decisions?

19. Are you determined?

20. Are you ready for success?

ESTABLISH A GOAL

What do you want? Are you looking for financial security, professional acknowledgment, spiritual attainment? Do you want to fit better socially, or become more expressive creatively? Establish the goal that's right for you.

Then turn that goal from a dream into a desire. You want to realize that goal, not just wish for it. Aesop said, "Beware that you do not lose the substance by grabbing at the shadow." Know exactly what you want, then go for it.

Don't be tricked by your own procrastination - especially if you want to achieve something artistic. The writer Thomas Wolfe wrote, "I had been sustained by that delightful illusion of success which we all have when we dream about the books we are going to write instead of actually doing them. Now I was face to face with it, and suddenly I realized that I had committed my life and my integrity so irrevocably to this struggle that I must conquer now or be destroyed."

Can you see what you want? If you want the abundance of material wealth that money provides, what goal will give you that money? Do you want the prestige of owning your own business? What business do you want to begin?

Where are the opportunities for you? Talk to everyone in the business you want to join. Make friends in the literary or art societies in your area. Read books and articles about your field of endeavor. How can you attain your goal?

"If you don't want to work, you have to work to earn enough money so that you don't have to work," wrote Ogden Nash. And isn't that the way" Money makes money; success breeds success. But not always. How can you break through those thoughts to help yourself to the rewards?

Henry David Thoreau wrote, "I have learned this at least by my experiment: that if you advance confidently in the direction of your dreams, and endeavor to live the life which you imagine, you will meet with success."

Think big and visualize success. Do you see yourself in a big house? Maybe you picture your artwork hanging in a gallery. Can you feel your book in print and in your hands? How does it feel to be a person of success? Believe that you are; believe that it is in your grasp. That's what the others did, and that's how people make it to the top.

Then get down to basics. Be precise. Exactly how much money do you want, and by what date? And exactly what are you going to do to earn that money? Be realistic, but give yourself short-term goals.

Write it down. In six months or one year, you will have how much money. And repeat it until it feels good. Then repeat it twice a day until it swirls in your subconscious, until it becomes your one-pointed goal.

"The goal stands up, the keeper stands up to keep the goal," wrote A.E. Housman.

KEYS TO SUCCESS

Make people feel at ease. They will respond to your needs as you respond to theirs.

Share the spotlight. Give credit to those who deserve it - and to those who strive. Don't grab praise away from other people.

Have confidence in your own value. Don't do anything that won't credit your own self-respect. Follow up your actions as they reflect your own self-worth.

Listen well to others' comments. Then weigh your own actions. Cultivate relationships with people who have good and important things to say.

Participate in life. Be active in business meetings and endeavors; volunteer to be part of organizations and groups. Social interaction will boost your sense of well-being .

Feel worthy of your own goal. Know that you can attain it and that it is right for you.

Grasp your own challenge. Don't give yourself impossible goals, but always reach higher.

Relax and be yourself. Each person is different and just as wonderful as the next. Don't be plagued by what you think others think of you.

Don't bathe in success - use it. Once you achieve your first goal, go on to others. Use the money you earn for the rewards you look for. Then go on to the next endeavor.

Be slow to criticize others' achievements. Find out how they did it and learn from them.

Never use subterfuge. Don't go behind someone's back. Speak your mind and earn respect.

Banish negative thoughts and traits. Restructure your life to exclude bad habits.

Believe in yourself and what you are to accomplish. All the power in the world is within you to achieve.

WORK TOWARDS YOUR GOAL

"To get profit without risk, experience without danger, and reward without work, is as impossible as it is to live without being born," wrote A.P. Gouthey. Every person who has attained something worthwhile has worked for that goal.

Cary Grant said, "I do believe that people can do practically anything they set out to do if they apply themselves diligently and learn."

Which path is the right way towards your goal? Do you need more education? Do you need a few years experience in your field of business? Maybe you need a teacher or guide to help you practice.

"I have learned that success is to be measured not so much by the position that one has reached, as by the obstacles which are overcome while trying to succeed," wrote Booker T. Washington.

What obstacles are in your way? Consider them as easy to pass through as hurdles are to a champion runner. Take each obstacle as a special challenge placed especially for you. Approach it with intelligence and courage, then learn what it has to teach.

"Success is a journey," said Ben Sweetland, "not a destination." For some, the process of attainment is the attainment itself. They move on, keep growing and expanding. There is no still water at the top.

"The message from the moon is that no problem need any longer be considered insoluble," wrote Norman Cousins. And you can attain anything that seems impossible.

If you have a problem that needs to be solved, sit calmly and consider it with a clear mind. Observe all the consequences of the actions - both good and bad. Ponder the paths and actions and contemplate the core of the problem. The solution will appear.

"Ask and it shall be given you; seek and ye shall find; knock and it shall be opened to you for everyone who asketh, receiveth. He that seeketh, findeth and to him that knocketh, it shall be opened."

Tap the inner self and encourage positive actions. With each outgoing breath, release the impossible; at each incoming breath, inhale the attainable. Demand the best of yourself, but don't despair from an overused sense of perfection.

What can you learn? And who can teach you? Can you attend classes and seminars from universities near home? Check out books from the libraries and absorb the material. Find a master and become an apprentice.

"Anyone who stops learning is old, whether at twenty or eighty," said Henry Ford. "Anyone who keeps learning stays young. The greatest thing in life is to keep your mind young."

Never stop learning; never stop growing and expanding as a person and in your personal endeavor.

ASK YOURSELF

As you consider the success you desire, you need to affirm its possibilities and develop the self-confidence necessary to attain the goals. Learn to do things well. "If you know how to do one thing well, you can do everything," wrote the philosopher Gurdjieff.

Are you ready for success?

Is what you are doing now helping you to achieve your goals?

Do you weigh the consequences before making a decision?

Is this the best use of your time?

Do you cooperate with everyone and help cultivate their best potentials?Are you warm and sincere?

Do you have the courage to succeed?

Do you have the self-discipline necessary to achieve your goals?

Do you have a realistic sense of self-worth?

Do you give more than you take?

Do you have the courage to fail, and then pick up and try again?

Can you assume responsibility without blaming others if things go wrong?

Are you strong?

Can you be sympathetic to life and its sufferings?

Can you say no?

Will you follow your convictions and plans to achieve?

Do you sincerely want to achieve the goals you have chosen?

TAKING RESPONSIBILITY

"The price of greatness is responsibility," wrote Winston Churchill. Are you willing to take the responsibility once you attain the success you desire?

"The deepest personal defeat suffered by human beings is constituted by the difference between what one was capable of becoming and what one has in fact become," wrote Ashley Montague. And the greatest tragedy is to become less than your full potential, using less than the abilities you have to work with.

Are you waiting for something to happen? Maybe you're waiting for a job offer, or a promotion. Perhaps you're waiting until you get good enough at a craft or skill. Or are you waiting for the inspiration of creativity to strike your life?

It is up to you to take the actions and be responsible for their consequences. "Our responsibility: every opportunity, an obligation; every possession, a duty," wrote John D. Rockefeller, Jr.

Inspire yourself. Read books that will spurn you to action; talk to people who have the vitality you admire. How would you like to lead your life? And make the changes necessary to be like that. "There is nothing permanent except change," wrote Heraclitus. What changes do you want to make? What are you waiting for?

ACCOMPLISHMENT

What actions will take you closer to your goals? Decide upon the steps and write them down. Review them until you feel comfortable with those steps. Then repeat them at least once a day, crossing them off as you accomplish them.

"I believe there is no escape from the rule that We must do many, many little things to accomplish even just one big thing," said James Dupont. "This gives me patience when I need it most."

The most rewarding accomplishments are those that take long to achieve and present difficulties. It is only through these difficulties that a person can rise above the rest to be the unusual, the outspoken and the well-deserved.

As if building a kit, follow your own instructions. Decide your best courses of action and achieve their benefits. Whether the steps are small or large, make them achievable and then do them. Don't commit yourself to things that you never intend to do.

"Even if you're on the right track, you'll get run over if you just sit there," said Will Rogers. Don't be paralyzed by inaction; rather act upon your own convictions.

Set yourself up for rewards. Don't give yourself goals that have no feeling of satisfaction or no monetary rewards. If you want to be an artist, be the best and learn from the best. Don't dwell on imperfections or the awkwardness of unpolished skills.

If you go into business, do it for profit or reinvestment. "In business, the earning of profit is something more than an incident of success. It is an essential condition of success. Because the continued absence of profit itself spells failure," said Justice Brandeis.

Marchant wrote, "To be a success in business, be daring, be first, be different." Think of ways to achieve the best; formulas to increase productivity or decrease overhead. Profit is your drive.

"Profitability is the sovereign criterion of the enterprise," wrote Peter Drucker. And, profitability is the core of any achievement - whether financial or artistic.

Once you achieve your goals, think of ways to benefit others. "Money-getters are the benefactors of our race," said P.T. Barnum. "To them we are indebted for our institutions of learning, and of art, our academies, colleges and churches." How can you benefit humankind and still keep enough to fulfill your own desires?

THE HIDDEN ASSET

Not all success can be counted in dollars; not all richness is measured by money. "The great secret of success is to go through life as a person who never gets used up," said Albert Schweitzer. "Retire upon yourself and look for the ultimate cause of things inside you."

Look within yourself for the ultimate inspiration, and follow the true feelings you discover. "One of my favorite methods is to whisper," said Alfred Hitchcock. "I've discovered the best work is done with sweet reason."

Act upon your own conscience -that guides; that judges your actions and signals your behavior. "Conscience is the inner voice that warns us that someone may be looking," wrote H.L. Mencken.

Accomplish what you desire; fulfill your inner yearnings. But don't compromise your deepest feelings.

"We do our best that we know how at the moment, and if it doesn't turn out, we modify it," said F.D. Roosevelt.

Follow the paths that life offers you and live the fullest existence you can.

TAKE A LOOK

Look at yourself and look at those who have succeeded throughout history. Do you have what it takes? Even if you have only a few of the qualities of the other great people, you can achieve your heart's desire.

Reach for the highest, then reach higher. Accomplish your steps one by one on a daily basis, always moving forward, always making progress. Encourage yourself. Insist that you can succeed and affirm these thoughts daily.

Keep a sense of proportion and judge for yourself. Then keep busy at the tasks you've set out to accomplish. What's keeping you? "Genius is one percent inspiration and ninety-nine percent perspiration," said Albert Einstein.

Find inspiration wherever you can. Talk to people; read about people; learn your business or craft. Believe that you can do it and you will. The only way to dispel the doubt that you can do something is to finish it.

Always be the best you can be. Never fall short from fatigue or lethargy. Don't attempt to do anything that you can't give your all to.

There is no way to inner satisfaction without appealing to the higher consciousness. Search within and without to find the paths that are meant for you and follow them with conviction and a steady heart. And, you will succeed to become as rich and full as you ever desired.

Harold Ickes wanted the "freedom to live one's life with the window of the soul open to new thoughts, new ideas and new aspirations."

And Woody Allen looked for a clear path. "If only God would give me some clear sign" he said. "Like making a large deposit in my name at a Swiss bank."

Finally, Sophie Tucker sums up everyone's worldly outlook: "I've been rich and I've been poor," she said. "Rich is better."

REFERRAL CARDS WORK!

REFERRAL CARDS WORK!

Any business' best resource is the customer who's already done

business with them. This customer will be the one who provides return

business, and refers new business. How can you insure that you get

those referrals, though? As anyone knows, people will be more

inclined to pass on information about bad experiences than good

experiences. So, you have to give them an incentive.

The best way to do this is to run a REFERRAL CONTEST.

Give each one of your customers a supply of cards they can give out

to their friends. A good idea is to use your business card, and get a

rubber stamp designed to stamp this message on the back:

"Send a friend! You will get a one coupon good for a XX% discount

for each new customer who brings this card in! Good through XX-XX-

XX. Add the new customer's name.

Insert the discount you want to give the person making the referral, and

the expiration date. Two good ideas are to either offer a prize to the

person who sends in the most referrals, or put all the cards that are

brought in into a box and hold a drawing at the end of the promotion,

with both the person making the referral and the new customer getting

a prize.

It's important that you publicize this contest. A contest is no good if

nobody knows about it. So, put a big sign about it in your store. Put

an ad in the free weekly paper in your area and in any freebie

advertiser tabloids. Print up some flyers and put them up in places

where people will see them.

Referral contests work especially well for service businesses, like hair

salons, auto mechanics & body shops, dry cleaners, video stores,

caterers & photographers. Any business that relies on expanding it's

clientele can successfully grow from a referral contest.


NOW YOU CAN ENJOY THE LUXURIES YOU'VE

NOW YOU CAN ENJOY THE LUXURIES YOU'VE

ALWAYS WANTED BUT COULD NEVER AFFORD!!

HOW TO BUY ANYTHING FROM THE GOVERNMENT DIRT

CHEAP!

The vital information contained in this report will allow you to purchase just about anything you desire from the U. S. Government at rock bottom prices and sell it for huge profits!

Everyday, hundreds of thousands of valuable items, including yachts, airplanes, luxury cars, pickup trucks, jewelry, computers, RV's, houses, furniture, furs, typewriters, jeeps, and much more, are seized in drug raids and auctioned off to the public at incredibly low pricess.

Billions of dollars in real and personal property is also seized or repossessed by the U.S. Customs Service, U. S. Marshals, the Veteran's Administration (VA), the Housing & Development Authority (HUD), Sheriff's Departments, Police Departments, U. S. Postal Authorities, Bankruptcy Courts, and other related agencies.

In addition to all of this, Department of Defense Surplus offers endless oportunities to purchase unbelievable bargains. People who know how to get involved in buying government property also know that without any previous experience or specific skills, just about anyone can purchase aanything the government has for sale and turn it into a profit!

People just like yourself who have discovered the real meaning of what an "unbelievable bargain" is by attending government auction sales, have gotten involved for one of two reasons: 1) They wany a specific item and know they can buy it at an enormous discount; or 2) They are in the business of buying many items at low prices, and selling them for a huge profit!

Whatever your motive, you can also take advantage of your new purchasng power once you know how to get involved. Maybe you have always dreamed of owning a yacht, strech limo, or other luxury vehicle. According to recent figures, the government is expected to sell up to one-quarter million vehicles! How would you like to purchase a Porshe, BMW, Jaguar, Lincoln Stretch Limo, Mercedes, Cadillac, or other luxury car for less than $100, and then resell it for a fast $20,000 profit?

If you have wanted just about anything, but felt you would never be able to afford it, this is your golden opportunity! Would you like to be your own boss and go into business for yourself? Now you can! Through smart buying at bargain prices, and reselling at markups retailers can only dream about, you can put yourself into a position of financial independence faster than you could ever imagine!

With the unbelievable bargains that will be available to you, you can realistically begin to think about starting a Surplus Store of your own, filled with office furniture, machines and supplies. Or maybe you want to specialize in buying and selling luxury cars! Do you enjoy the electrifying atmosphere of a flea market or swap meet? Government auctions and surplus sales can provide you with an endless supply of merchandise to sell.

Whatever your wants, needs, or dreams, the information in this report will show you how to make wealth-building dreams come true. By writing to the various agencies and reviewing the pamphlets and other materials they send you, you will be able to decide which agencies and sales are suitable for you. Then you will control an extensive network of contacts, representatives, and agents who will let you know what items they have for sale. Items you can purchase for pennies on the dollar.

FEDERAL GOVERNMENT SURPLUS

The U. S. General Services Administration (GSA) and the Department of Defense (DOD) are the primary agencies offering federal personal property. Any one of three sales methods may be used to sell surplus personal property. No preference is given to any individual or group no matter which method is used.

SEALED-BID AUCTIONS: Bidding forms are provided to Participants. The "Invitation For Bid" (IFB) form describes the property being offered, indicates where the property may be inspected, where bids can be submitted, and any special conditions regarding the sale. Sealed bids are opened publicly and awards are given to the highest bidder.

TRADITIONAL PUBLIC AUCTIONS: Property is offered, item by item, and sold to the highest bidder. Bidding instructions are given by the auctioneer on the government property being sold.

SPOT BIDDING: Here, a buyer has the opportunity to write down and mail in his bid. Property is awarded after full payment is receiveds.

The best way to keep yourself informed abouut sales is to get your name on the GSA's prospective mailing lists. Tens of thousands of luxury cars, sports cars, RV's, Semi's, pickup trucks, and more, are sold each year. You will have to write to each of the 11 regional centers indicated below if you want your name to appear on each of their mailing lists. Each one has a different application. When you write, ask that your name and address be placed on the bidder's list.

NATIONAL CAPITAL REGION REGION 2 (New Jersey, New York, (District of Columbia, near by Puerto Rico, Virgin Islands) Maryland and Virginia)

GSA CUSTOMER SERVICE BUREAU

GSA CUSTOMER SERVICE BUREAU

26 Federal Plaza 7th and D Streets,

SW New York, NY 10278

Washington, DC 20407

REGION 1 ( Connecticut, Maine, REGION 3 (Delaware. Pennssylvania, Massachusetts, New Hampshire,Maryland, Virginia, West Virginia) Rhode Island. Vermont)

GSA CUSTOMER SERVICE BUREAU

GSA CUSTOMER SERVICE BUREAU

Nineth and Market Streets

Post Office and Courthouse Philadelphia,

PA 19107 Boston, MA 02109

REGION 4 (Alabama, Florida, Georgia, REGION 8 (Colorado, Montana, Kentucky, Mississippi, North Carolina, N. Dakota, S. Dakota, Utah. South Carolina, Tennessee)(Wyoming)

GSA CUSTOMER SERVICE BUREAU

GSA CUSTOMER SERVICE BUREAU

75 Spring Street, SW

Bldg. 41-Denver, Federal Center

Atlanta, GA 30303 Denver, CO 80225

REGION 5 (Illinois, Michigan,REGION 9 ( Somoa, Arizona, California,

Minnesota, Ohio, Wisconsin)Guam, Hawaii, Nevada)

GSA CUSTOMER SERVICE BUREAU

GSA CUSTOMER SERVICE BUREAU

230 S. Dearborn Street 525 Market Street

Chicago, IL 60604 San Francisco, CA 94105

REGION 6 (Iowa, Kansas,REGION 10 (Alaska, Idaho, Oregon,

Missouri, Nebraska)Washington)

GSA CUSTOMER SERVICE BUREAU

GSA CUSTOMER SERVICE BUREAU

1500 E. Bannister Road GSA CENTER

Kansas City, MO 64131 Auburn, WA 98002

REGION 7 (Arkansas, Louisiana,New Mexico, Oklahoma, Texas)

GSA CUSTOMER SERVICE BUREAU

819 Taylor Street

Fort Worth, TX 76102

INTERNAL REVENUE SALES

A major seller of forced-sale merchandise and property is the Internal Revenue Service. When the government conficates a debtor's property through the IRS, it is sold to the highest bidder to recover a part of its losses.

Property sold by the government is not subject to usual laws of supply and demand. Forced sales operate outside supply and demand laws because the government controls the sale of confiscated property. Their only interest is in trying to recover a certain debt that has been incurred, not what the actual market value is.

Because realtors aren't informed about forced government sales, you have a distinct advantage! You will be notified of sales as a potential bidder once you get your name on their mailing list. Then you can go directly to the IRS to make your own incredible deal on property selling far below market value.

IRS property is sold either by public or sealed bid auction. Individual IRS agents are responsible for selling property within their own divisions. That means you won't have to deal with a central or district office to obtain information about property being auctioned.

Contact an IRS agent nearest you by referring to your telephone directory. Ask for information that will allow your name to be placed on mailing lists throughout the country. Also, request a copy of the Internal Revenue Service Code Manual Part V Chapter 300 at your local library to learn more about how the IRS auctions off confiscated property.

POST OFFICE AUCTIONS

Post Office Auctions, also known as dead parcel or dead letter auctionsl, are conducted in regionally located U.S. Post Offices. Tens of thousands of items that never reached their intended destination, or were never claimed by the sending or receiving parties, are auctioned off.

Unclaimed parcels ar opened at dead parcel branches to determine if the property can be returned. If the sender remains unknown, or if the postage remains unpaid, the contents will be sold at auction.

To obtain Post Office Auction notices and procedures you must have your name placed on a bidder's list. You can receive information regarding the auction sale by writing to the manager in charge of the sale.

Thousands of items are auctioned off, including clothing, luggage, books, watches, rings, miscellaneous jewelry, electronic equipment and sound recordings, leather goods, and much, much more! The minimum bid is usually $5.00, and many items are sold in lots of 50,75,100,200, 500, and more.

To have your name placed on all of the U.S. Post Office's regional dead parcel branches bidder's lists, write to the following addresses and request that your name be added to their auction bidder's mailing list:

U.S. POST OFFICE REGIONAL DEAD PARCEL BRANCHES

WESTERN REGION - (Washington,Posmaster,Oregon, California, Arizona, Alaska, Hawaii,Dead Letter Branch,Montana, Idaho, Nevada & Utah)U. S. Post Office

U. S. Post Office

180 E. Kellog Blvd.

Dead Parcel Branch

St. Paul, MN 55101-9414

1300 Evans Avenue

San Francisco, CA 94188-9661

NORTHEAST REGION -(New York, Maine, New Jersey,

SOUTHERN REGION - (Texas, Vermont, Rhode Island,Oklahoma, Louisiana, Arkansas, Florida,Massachusetts, Connecticut, Tennessee, Mississippi, Georgia,New Hampshire)& Alabama)

New York City Post Office

U. S. Post Office Auction Room

Dead Parcel Branch 380 W. 33rd St.

P.O. Box 44161 New York, NY l0001-9998

Atlanta, GA 30336-9506

EASTERN REGION -

CENTRAL REGION - (Wyoming,(Ohio, Kentucky, Virginia, Maryland,

Colorado, Kansas, Iowa, Minnesosta,Deleware, Pennsylvania, North

Missouri, Wisconsin, Michigan, Illinois,Carolina, South Carolina,

Indiana, & North Dakota)West Virginia, & New Jersey)

U. S. Post Office

U. S. Postal Service

Dead Parcel Branch Claims & Inquiries

Chicago, IL 60607-9506 30th & Market St.

Philadelphia, PA 19104 -9998


LIVE IN A $100,000 HOME WITHOUT MONEY

LIVE IN A $100,000 HOME WITHOUT MONEY

The best way to live in a $100,000 home without money is to become a

"house-sitter." You offer to live in luxury homes while the owners are

away vacationing. If you live in a large city, you can probably live all year

rent free by keeping a notebook of clients who need your services to

protect their homes from vandals while they are away. If necessary, get

yourself bonded.

DO YOU BELIEVE IN MAGIC?

DO YOU BELIEVE IN MAGIC?

Do you still believe in magic? Do you think you can pay $24.95 for a

mail order program and make $5,000 within 30 days? Do you think

you can open a business today and quit your job in 2 weeks? Do you

think you can advertise a 1" ad to 1,000 and expect 800 orders?

It's sad that our push-button, do-everything-for-you-society has taken

away our ability to climb to the top of the hill. Those of us who do have

the stamina have to try twice as hard to "prove" we are not those other

types of people.

Let's all stop pretending we're in business and start learning how to

make it grow into a thriving, honest and reputable company. It is

sometimes hard to be completely honest in everything we do. We

could tell a "little white lie" and get that $120 bucks we so desperately

need right now. Oh, what we have to give up to be honest.

I never lived in the 1800's but I have studied their life-styles quiet

extensively. Back then people were not afraid of hard work. In fact,

it never entered their minds to be lazy. If someone in the community

was lazy, they were considered abnormal and were given a bad

name. Even as late as the 1940's, a man that didn't work to support

his family was considered to be piece of "trash."

But in the 1990's it seems that the man who doesn't work, lives on

welfare and sponges off his wife who works two jobs to make ends

meet is considered "cool." The State agencies spent millions of

dollars trying to motive him to go out and find a job and work like he is

supposed to.

Employers sometimes contribute to the madness also. Since hard

working people are considered "strange" and "indifferent" in today's

society, an employer will take a hard worker and pile all the work on

them that other people should be sharing in doing. It sometimes feels

like hard working people are fighting a losing battle.

But getting something for nothing is NEVER rewarding. Sure you

can cheat the welfare system and get free benefits for awhile, but

pretty soon they will track you down. Sure you can sit on the couch

and watch television while your spouse goes out and works 2 jobs, but

you'll never have any true financial rewards in life. Sure you can work

8 hours and spend 6 hours on coffee breaks just to get a paycheck

every Friday, but you'll be the first to go when a lay-off is administered.

Sure you can forge credit cards, set up scams, write bad checks and

steal innocent people's money, but you won't get anywhere. You only

are taking care of your needs at the present time never building

security, pride and respect for yourself.

But hard work pays off. The rewards are not immediate like they would

be if you robbed a bank tonight, but you WILL make lots more money

and benefit yourself in the long-haul. Money is NOT everything. Money

cannot buy respect and love. A poor person running a business, who

is honest has peace of mind. A person who works hard and long

hours to give their customers high-quality receives repeat orders.

And when word gets around that you're honest and trustworthy -

people start noticing you and telling others about you. Respect is

much more important than money because of the repeat rewards it

brings you. For instance - when you think of Howard Hughes you don't

think of him with respect. Even though he had billions of dollars, does

anybody really care now? But think about Martin Luther King or

Thomas Edison. Think about some heros you know. Does

it matter to you how much money they had? Don't you remember them

for the hard work and great things they accomplished? Isn't

contributing to society and the betterment of mankind much more

valuable than the money you have in your bank account?

Take pride in yourself. Hold your head up and do an honest day's

work. Yes - being honest has great rewards.


CONTEST AND SWEEPSTAKES SECRETS

CONTEST AND SWEEPSTAKES SECRETS

Everywhere you look, there seems to be a new contest or

sweepstakes. Money and prizes galore are just waiting to be won.

Are you one of the people who says things like "I never win anything"

or "Those contests are all rigged"? Well, you're WRONG. You CAN

win, if you follow the secrets of multiple contest and sweepstakes

winners.

There are two major secrets to winning sweepstakes and contests.

They may seem obvious, but too many people overlook them. Here

they are:

1) Follow the rules EXACTLY,

and

2) Enter many times.

That's about all there is to it. But, I'll go into them in more detail, so you

can see how these two secrets will effect your chances.

Read and reread the rules before you enter a contest.

Too many people enter a contest and lose, not because they gave

wrong answers or had the wrong numbers, but for stupid reasons, like

the wrong size envelope, or they wrote their name in cursive, instead

of printing it. You MUST follow each and every rule exactly.

These rules are there to keep things fair. It's been estimated that

almost 20% of all winning entries in major contests and sweepstakes

get disqualified for minor differences from requirements.

Don't let this happen to you! By following the rules, you will put

yourself automatically ahead of all those who just send in an entry, not

caring whether it's wrong or right.

Important rules to follow:

1) Entry Blanks. If the rules say "Official Entry Blank Only," don't send

in a handwritten entry. It will only be a waste of a stamp, and could

disqualify your other, official entries.

Also, pay attention to the number of entries allowed. If it says "One

entry per household," don't send in more! Most contest and

sweepstakes judging organizations use computers to track entries. A

duplicate entry from you WILL show up and WILL disqualify you.

If handwritten entries are allowed, pay attention to the paper that

must be used and what should be on the entry. If it says to use a 3 1/2

by 5 1/2 unlined piece of paper, don't send your entry on a 3 x 5 lined

postcard.

It may seem obvious, but people do it everyday, and it's an automatic

disqualification.

Write any phrases that are necessary EXACTLY as stated in the

rules. Write your name and address EXACTLY as states in the rules.

If the rules say "Full Name" then you'd better write your middle name,

just to be safe. Don't try to be fancy and draw little pictures or write

cute things on your entry. Give them exactly what they want and no

more.

Also, write legibly, so they can read it. Scrawling something

unreadable will get your winning entry thrown in the trash.

2) Qualifiers. Sometimes you will be asked to include either some

part of the packaging from the sweepstakes sponsor's products, or,

instead, a handwritten phrase. Follow this rule exactly. If it's unclear

from the rules exactly what they need, there is usually an address or

phone number given for questions. Use it.

3) Envelopes. Don't send a postcard unless it's asked for. Hand

address your envelope and use the exact size that's listed. Contrary

to what many people think, colored or odd sized envelopes will NOT

increase your chances of winning.

4) Deadline. Observe the deadline. A major disqualification reason

is late entry. Get your entries out at least a week before the closing

date, to be safe.

Now comes the second secret:

Enter often.

Look at the type of prizes available and use that information to decide

the number of entries you will send in.

A sweepstakes where the main prize is $100 obviously wouldn't need

as many entries as the multimillion dollar national ones.

Just remember that each entry you send in increase your odds in

relation to the total number of entries received. In other words, if 100

entries are received, yours included, you have a 1 in 100 chance of

your entry being picked. If you send in two entries, you now have a 2

in 101 chance of winning. Send in 50 entries and you'll have a 50 in

149 chance of winning, almost one-third! But make sure you'll still be

ahead if you win. There's no sense in spending $200 to enter a

contest for $100.

These are the methods that frequent winners use. Use these secrets

intensively when you enter contests and sweepstakes, and you may

soon be hearing the words "Congratulations! You have just won..."


YOUR MONEY GUIDE TO FREE GOVERNMENT

YOUR MONEY GUIDE TO FREE GOVERNMENT

GRANTS

Anyone thinking about going into business for themselves, or wanting to expand an existing business should rush for the world's largest "one-stop-money-shop" where FREE MONEY to start or expand a business is being held for you by the Federal Government.

It sounds absolutely incredible that people living right here in the United States of America wouldn't know that each year the world's largest source of free business help delivers:

*over $30 billion dollars in free grants and low-interest loans;

*over one-half trillion dollars in procurement contracts; and

*over $32 billion dollars in FREE consulting and research grants.

With an economy that remains unpredictable, and a need for even greater economic development on all fronts, the federal government is more willing than it ever has been before to give you the money you need to own your own business and become your own boss!

In spite of the perception that people should not look to the government for help, the great government give-away programs have remained so incredibly huge that if each of the approximately 8 million businesses applied for an equal share, they would each receive over $70,000.

Most people never apply for a FREE GRANT because they somehow feel it isn't for them, feel there's too much red-tape, or simply don't know who to contact. The fact is, however, that people form all walks of life do receive FREE GRANT MONEY and other benefits from the government, and you should also.

HOW TO FIND FUNDING SOURCES WORTH BILLIONS

As with all grant seeking, the key to obtaining grants is preparation and a knowledge about funding sources. Preparation means identifying programs that are available, and then determining if you fall within their restrictions.

The following sources will be invaluable to you in locating thousands of sources of FREE MONEY!

FEDERAL REGISTER: This daily publication contains changes, proposed changes, and notices about rules and regulations affecting all government agencies and their programs. Federal agencies must publish the program description, eligibility requirements, and program guidelines in the Federal Register. For current subscription costs write to: Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

CATALOG OF FEDERAL DOMESTIC ASSISTANCE: This publication lists a complete description of every program in the federal government that makes funds available to private business. Write to the U.S. Government Printing Office, Washington, DC 20402.

COMMERCE BUSINESS DAILY: This publication contains a daily listing of U.S. Government procurement invitations, contract awards, subcontracting leads, sales of surplus property, and foreign business opportunities. For current annual subscriptions costs write to the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402.

FREE FEDERAL MONEY GIVEN AWAY TO ASSIST BUSINESSES

GRANT MONEY FOR BUSINESSES IN POOR ECONOMIC AREAS: Contact the Economic Adjustment Division, Director, Economic Development Administration, Herbert Hoover Bldg., Rm. H7217, Washington, DC 20230.

GRANT MONEY FOR MINORITY BUSINESS DEVELOPMENT: Grants are awarded up to $2 million dollars to stimulate growth. Contact the Minority Business Development Agency, Department of Commerce, Washington, DC 20230.

FREE MONEY TO PROVIDE ASSISTANCE TO ECONOMICALLY DISADVANTAGED BUSINESSES: Management and technical assistance is provided free to disadvantaged businesses. Contact the Associate Administrator for Small Business, 1441 L Street, NW, Rm. 602, Washington, DC 20416.

GRANT MONEY FOR INVESTORS IN RENTAL APARTMENT BUILDINGS WHO ARE IN FINANCIAL TROUBLE: Contact the Chief, Program Support Branch, Management Operations Division, Office of Multi-Family Housing Management, Department of Housing and Development, Washington, DC 20420.

GRANT MONEY FOR WOMEN'S ENTERPRISES: Up to $200,000 dollar grants are awarded to women in business annually. Contact the Office of Women's Business Ownership, U.S. Small Business Administration, 409 Third Street, SW, Washington, DC 20416.

GRANT MONEY FOR REAL ESTATE INVESTORS WHO RENT TO ELDERLY OR HANDICAPPED PEOPLE: Contact the Director, Office of Multi-Family Housing Management, Dept. of Housing and Urban Development, Washington, DC 20410.

GRANT MONEY FOR INDIAN-OWNED BUSINESSES: Contact the office of Tribal Servies, Bureau of Indian Affairs, 1849 C Street NW, MS #4603-MIB, Washington, DC 20240.

FREE STATE GRANT MONEY

There simply isn't enough room in this report to begin listing all the FREE MONEY programs that are available from the federal and state governments. We can tell you however, the general types of programs that are available and where to begin.

As you contact different agencies for grant money, learn not to accept "no" as a final answer. There are so many new programs being offered each year that often an agency's own employees won't be aware they are offering the one you ask about. If being persistent doesn't help, get in touch with your congressman and let them track down a program that meets your needs.

TYPES OF PROGRAMS AVAILABLE THROUGH STATE AND FEDERAL AGENCIES

FREE MONEY: Usually through direct grants that do not have to be paid back.

BUSINESS CONSULTING: Free management advice is offered on almost every business subject by the Department of Economic Development to minimize new business start-up management costs.

BUSINESS SITE SELECTION: State hired specialists are available to assist new entrepreneurs select the best possible location for their new business.

MANAGEMENT TRAINING: Most states will assign specialists to work with a new business with one-on-one management training.

EMPLOYEE TRAINING ASSISTANCE: This program provides FREE MONEY to train employees. FREE MONEY is also available to send employees to school.R

RESEARCH & DEVELOPMENT GRANTS: FREE MONEY is available to attract high-tech related companies.

PROGRAM CONSULTANTS: States have highly trained management consultants who will locate Federal Grant Programs and help you through the application Process.

FORMS & DOCUMENTS: State professionals will help a new business owner apply for permits, licenses, or any other legal document a business may require.

VENTURE CAPITAL FINANCING: This method can provide FREE MONEY in the sense you wouldn't have to pay it back. You would, however, probably have to give up part of the ownership of your business in order to receive financing. Most states have their own venture capital finance terms that invest in high risk businesses.

MINORITIES & WOMEN: FREE MONEY grants are available in most states for women or minorities who want to start a business.

LOW INTEREST LOANS: A state may raise money through industrial revenue bonds to buy your fixed-asset equipment. The public, which invests in these bonds, do not pay taxes on the earned interest. When a low interest loan is granted, the states does not guarantee that investors will get their money back if the business fails. If a state issues a general obligation bond, a public investment is then guaranteed. The states will also make direct loans at low interest, or even co-sign a commercial bank loan. If a state co-signs a loan for you, it may subsidize your interest and reduce an already low-interest rate lower yet.

SMALL BUSINESS DEVELOPMENT CENTERS

Every state has Small Business Development Centers who can match you up with the right FREE MONEY grant program. All development centers offer free counseling to anyone wishing to start or expand a business. Their services are varied but include: FREE seminars, workshops, business planning, feasibility studies, marketing research, management analysis, sales technique, financing, exporting, inventory control, accounting, record keeping, and grant applications. Whatever your questions about FREE MONEY grants or starting a business, refer to your telephone directory under State Offices and contact your Small Business Development Center.

GETTING FREE MONEY FROM VENTURE CAPITAL SOURCES

A venture capital company is another source for FREE MONEY in financing your business plans. But since they are willing to assume some risk by investing in your business, they also expect some equity in the business itself.

Venture capital companies invest in projects they feel will be successful and bring a return on their investment. If you are interested in asking a venture capital company to invest in your business refer to your telephone directory under Venture Capital Companies or Investment Companies, and contact those who are in the same area you want to start your project in.

SMALL BUSINESS INVESTMENT COMPANIES

Small business investment companies can provide your business with the capital it needs by; 1) giving you a free loan; 2) making a stock investment in your business; or 3) offering a combination of the two.

Small business investment companies are in the business of making money just like any other business. The biggest difference between them and another investor is:

1)They are privately managed firms who are licensed and partially financed by the federal government's Small Business Administration.

2)All of its transactions are regulated by the government.

3)Their success depends on the growth and profits of companies they own stock in. They often give money in exchange for stocks.

4)Their loans usually carry lower interest rates than commercial banks.

5)Straight loans repayments are carried over a longer period of time.

6)Most businesses are eligible, especially if they are 50% minority owned.

For a complete listing of the thousands of Small Business Investment Companies, visit your local library and ask for the SBIC Catalog. Study the catalog and note the companies that specialize in your area of interest. Then write them and request more information on what they have to offer.

WRITING A SUCCESSFUL GRANT APPLICATION

To write a successful grant application for FREE MONEY it should be well planned. You should be familiar with exactly how a particular agency prefers to have their grant proposals completed. If you have to prior experience in writing grant proposals, this is another area where your State Small Business Development Centers can help.

WORK CLOSELY WITH THE FREE MONEY GRANTOR AGENCY

Once you decide which government agency you want FREE MONEY from, contact them and ask for a grant application kit. Get to know some of the grantor agency personnel. Experts love to talk about their programs, so ask for advice, suggestions, and criticisms about your proposed project.

In most cases, the more an agency knows about your grant proposal, the better your chances will be of getting support from the personnel who ultimately approve your FREE MONEY request.

Often it is a grantor's advantage to send their grant proposal summary to an agency official they have developed a contact relationship with, and ask them to review and return it to you with their comments. Be certain this approach is acceptable with your agency contact. You wouldn't want a first draft mistakenly processed before it was finished.

Making a personal visit to the agency's office in your area is also important. Face to face contact will help you understand eligibility requirements, deadlines, maximum FREE MONEY amounts you can apply for, and other details you want to know about. You can also utilize an agency's library and determine through books, brochures, and conversation if there are other agencies you could apply to for FREE MONEY. There is nothing that says you can't apply for two, three, or more FREE MONEY grants at one time!

ESTABLISH YOUR OWN PROFESSIONAL NETWORK

Do some networking and maintain continuous contact with people who can gather information for you about FREE MONEY GRANTS. Nothing can be substituted for personal contact with the decision makers who are in charge of grant programs. Learn to use your personal influence (and theirs) to achieve your goals.

The U.S. Government Printing Office maintains a wealth of information that people never take advantage of! Write to them and ask for a copy of the "U.S. Government Directory" and ask for a list of books, brochures, and documents that covers your field of interest. Tell them you are especially interested in obtaining information about FREE FEDERAL MONEY that's available to private citizens.

Remember, "FREE FEDERAL MONEY" doesn't mean you have to travel to Washington, DC. It just means finding out where the agencies are within your own states and local governments. The contacts you want to make may only be minutes away.