finances http://www.bizcovering.com/tags/finances New posts about finances The Federal Reserve Bank http://www.bizcovering.com/Investing/The-Federal-Reserve-Bank.438029     Nowhere in the annals of history has a nation produced a document so profound in it's purpose for the betterment of mankind than the United States Constitution. This document does codify insatiable rights, government by the people for the people, and the right to keep and bear arms. These principals that were never heard of before now were the hope of mankind. Thus the United States came into being.
     Slowly and steadily thou the United States Constitution has been under attack to dismantle it and pave the way for a totalitarian and socialist state run not by the people, but by a few of the wealthiest and most powerfull.
     Through-out history wars and major conflicts have been pre-planed and orchestrated for the sole purpose of garnishing vast amounts of wealth and power by a very select few.
     In 1776 in Bavaria, Austria Adam Weishaut organized what is called even today, the Illuminati as a front organization to hide a syndicate that actually minipulates policies ,politics, media, finances and wars of countries around the world. Together with the Rothchilds financing this organization they quickly gained complete influence of all the countries of Europe. The Rothchilds knew that if they could control a nations finances then they could control that country. "Banking community members are able by control of a nations finances to affect important events that benefit the person or group that controls them."
     The Battle of Waterloo in 1815 proved to be most significant in that the outcome of waterloo gave the Rothchilds complete control over the Bank of England which enabled them to control the British Empire and the rest of the countries of Europe. By controlling each countries central bank the Rothchilds and the Illuminati used their dominance to control countries and events to gain even more power and wealth.
     In the United States Alexander Hamilton's Bank of The United States was established using 80% of private investors funding. Some of this funding came indirectly from the Rothchilds. Thomas Jefferson quoted as " A private central bank using the public currency is a greater menace to  the liberties of the people than a standing army." Jefferson realized that the central bank of the United States much like today's Federal Reserve Bank was established the private bankers would have unlimited funds to control how lawmakers voted and they would control the media as well. Even with this stern warning the Bank of the United States was established. Not until Andrew Jackson successfully shut down the Bank of The United States in 1836 that the United States deficit was eliminated .
     From the mid 1800's to the beginning of 1900 the international bankers { the Rothchilds and the Illuninati } were regrouping in the attempt to reestablish the Bank of the United States. Only this time following the meeting on Jekyll Island in 1913 would the Federal Reserve Bank replaced the name of the Bank of The United States. The Federal Reserve Bank was set up and owned by a select few of the wealthiest people in the world and would have a complete monopoly on money. President Woodrow Wilson was used in allowing the formation, the implementation, and the completion of the Federal Reserve Bank. JP Morgan Jacob Schniff and the Rothchilds were all part owners of the Federal Reserve Bank from which they could control the policies of the United States. 
     The Constitution of the United States gives congress and only congress the authority to coin money. If the United States Congress's coined it's own currency as the Constitution requires we { the United States Citizens} wouldn't be required to pay the hundreds of billions of dollars in interest that we now pay on the national debt. Money coined by congress would be interest and debt free. The Federal Reserve Bank continues to make billions off of the citizens of the United States. The Federal Reserve Bank produces inflation and Federal Debt whenever it desires, but not federal stability.
     JP Morgan, The Rothchilds and the rest of the international bankers at Jekyll Island knew that all that is needed to effectively control the United States Government is to control the nations money. A central Bank with a monopoly over the supply of money and credit. Through the manipulation by this group in congress and President Wilson the Federal Reserve Bank was established.
     Today the Federal Reserve Bank continues to influence members of congress and the President. Two of the most recent Bills that have passed that are blatantly unconstitutional are The U.S. Patriotic Act and The Homeland Security Act. These two laws are significant in that the United States is slipping away from a republic toward a police and socialistic state where the people have no voice in the laws that are passed.
     If the United States citizens continue to allow the Federal Reserve Bank dictate our future then the United States will cease to be a republic and we will most surely end up like the Roman Empire and the liberties of man- kind will cease to exist.

]]> Tue, 06 Jan 2009 01:52:52 PST Rules of a Successful Salesperson http://www.bizcovering.com/Employment/Rules-of-a-Successful-Salesperson.321425 After working several years in a corporate sales environment a few things become apparent.  There are those who work hard and those who hardly work.  So, why is it some of the sales reps who seem to hardly work walk out the door with the big commission checks?  It's because they work smart.  Here's a couple dozen tips to help you do the same!

The Rules of a Successful Salesperson

  1. Mentally prepare yourself on your way to work. 
  2. Hit the phone as soon as you get to work.
  3. Be early - With a plan - Put it to action.
  4. Build a rapport with your clients, make them your friends. 
  5. Create an image for yourself that commands respect.
  6. Always remember it is not the “Industry” it’s “You”.
  7. Have enthusiasm in your work.
  8. There are 3 ways to think about everything.  Negatively - Positively - Neutrally.  You make the choice
  9. 6 seconds rule - make a good impression on the first call – (pitch the product - listen - Close or Move on.)
  10. If you are not excited about your product your clients won’t be either.  Keep your energy up and stay positive regarding your product.
  11. Your goal is a one call close.
  12. Physiology - Your body language makes a lot of difference in your being successful on a call.  Stand up.
  13. Have your answers ready for any client objections.
  14. Make a list of your probable sales that day.  It will motivate you.
  15. Practice your Objections and practice closing in your head all the time, even at the end of the day when you walk out the door.
  16. Try different techniques.  Listen to different techniques for closing.
  17. Rejection is your friend.  Embrace it as an opportunity to learn.
  18. Each “no” brings you that much closer to a yes.
  19. The sale begins when client says no. 
  20. Pick a dollar amount and shut up.  First one who speaks loses.  Silence is good.
  21. Mirror your clients.
  22. Use email and faxes as a tool.
  23. See every problem is an opportunity.
  24. There is no such thing as luck.  Luck is merely opportunity exploited.
]]> Thu, 30 Oct 2008 07:23:52 PST Dow Jones and the Markets http://www.bizcovering.com/Marketing-and-Advertising/Dow-Jones-and-the-Markets.321247 Today I had watched the DOW be up 200 points indicating that for a second day in a row the market was up, a good sign for the economy. In the final five mintues of the Stock Market being open,the Dow had turned in the other direction suffering a los of 200 points for the day. The Dow is made of various companies' stocks, working as an index in a broad base sort of way. It therefore becomes a keen indicator of the typical market condition. My thoughts for you all with the economy and the massive fluctuations is to be careful. Careful, being caution. Do not spend your money wastefully, be a bit more frugal, and exercise patience. The markets will come back, it's just a matter of time, as the stock market has cyclical effects, meaning if it goes down, it will eventually come up.

As Americans finding it difficult with the economic changes, it is now essential that you do not panic. Speak to people, professionals, who can answer your questions or have the ability to seek out the proper answers for you. After all, you wouldn't ask a plumber (Joe) for electrical advice, would you? No! There are many professional services out there, or Investment Advisors, that would be willing to assist the average person nowadays, because the average investor of today can become the wise valued investor of the future.

Good luck to you all!

]]> Thu, 30 Oct 2008 05:25:25 PST ID & Credit Theft: Preventing the Nightmare http://www.bizcovering.com/Business-and-Society/ID--Credit-Theft-Preventing-the-Nightmare.284103 According to a survey of identity theft issues conducted by Javelin Research in 2006, there were an estimated 8.6 million Americans were victims of identity theft.  In today's world, identity theft can wreak havoc upon your credit history and finances that will affect everything from getting a loan, being able to rent that apartment uptown, or the dream job that you've always wanted.  Here are some simple, but often overlooked, ways that you can help protect your identity!

  1. Shred all pre-approved loan and credit offers that you receive.
  2. Invest in a mailbox with a lock.
  3. Cut up all expired/invalid identification cards. Don't discard the pieces in the same garbage bag.
  4. Conduct all phone business at home - cell phones/on the go and public phones are great ways for people to eavesdrop and gain access to personal information.
  5. Insist on presenting your photo identification anywhere that you present your check or credit card.
  6. Pay with cash or money order as often as possible. This eliminates other people handling your cards.
  7. Never use any part of your social security number as a user ID or password.
  8. Never use PIN numbers that consist of birthdays, anniversaries, etc.
  9. Use a "prepaid" card credit card, such as the Green Dot to make online purchases.
  10. Do not give personal information online, by mail, or over the phone.
  11. Notify all of your financial institutions immediately if you see unauthorized charges on your financial   statements. Never be afraid to ask questions about the specifics!  Also, notify all three major credit reporting agencies as well as your local police department. Notify all involved creditors as well.
  12. If you have a service that you a pre-paying for with cash, decline if they insist upon having your social security number or other private information. If you are paying for services/items in advance with cash, there is no logical reason for them to have this information or run a credit check.
  13. And finally, don't allow anyone out of your sight with your ID, social security, credit card, or other personal information in their hands.  If you believe that someone has taken note of your information while presenting your ID for a non-business related purpose, notify their supervisor right away.

After working in collections and dealing with ID theft cases on a regular basis, these are simple mistakes that I have learned to avoid. I hope that they can help prevent you from becoming a victim, and instead becoming a more wise consumer!

]]> Sat, 04 Oct 2008 07:17:44 PST How to Maximise Your Income Today http://www.bizcovering.com/Investing/How-to-Maximise-Your-Income-Today.279303 Warren Buffet was born in 1930 and was a child during the Great Depression. Today he is worth over $60 billion. George Soros was born in the same year and also experienced the Great Depression, World War and the Holocaust. According to Forbes.com he is worth about $9.0 billion. Carl Cahn was born in 1936. At a point in his life he had to sell his own car to feed himself. Today he is worth about 14.0 billion. What do these three financial giants have in common and what is the secret of their financial success?

The three of them are all billionaires and started building their large fortunes from scratch. How did they do it? All of them built their wealth by investing. Warren Buffet buys stocks, shares and whole companies. Soros became a billionaire by making huge leverage trades in stocks and currencies. Cahl Icahn buys controlling stakes in public companies.

In May 1999, Bill Gates, the co-founder of Microsoft and one of the richest men in the world today, became the world’s first $100-billion man.  Financial experts believe that Gates, who became a billionaire around his 31st birthday, will continue to grow richer and richer.  Why? Because his fortune is tied up in the over 8.7 stake he owns in the Microsoft software company, which is growing every day. Financial reporters say if his wealth continues to grow at its current rate he would become the world first trillionaire before the year 2020.

Many people think the only way to accumulate wealth is to work hard and earn large sums of money, spend it all and start all over again.  I have seen people who made great fortunes and lost them within a space of three years.  How?  They did not set long-term financial goals.  They did not know how to multiply their wealth to be able to grow your wealth you must be very intelligent to spend less than you earn and save or invest the difference.  It is only when your income becomes more than your expenditure that you must learn to save and spend less money like a wise man.

Rich people who do not develop spending plans lose their wealth in no time.  People who grow richer are people who buy shares in other companies and invest in bonds, stocks and fixed deposits in reputable financial houses.  One of the wisest ways to build safe and secured fortunes is to invest and reinvest your earnings.  The rich spend less and reinvest their earnings to compound their wealth. 

Most people do not know anything about the advantages of investing in financial houses and banking institutions.  To multiply your wealth, you must also learn to invest in bank deposits, company shares, mutual funds, stocks and government bonds.  This is one of the ways to let your money work for you.  This is one of the major secrets of great economics kingpins like the Warren Buffets, George Solos’, Ross Perots, Richard Bransons, Bruce Kovners, Phillip Anschultzs, Paul Allens, Oprah Winfreys, A.L. Williams’, S.B. Fullers, J.P. Morgans, J.C. Penneys, Robert Kiyosakis, Michael Dells and the rest. 

It is not the wise to be a financial kingpin today and become a beggar tomorrow.  This could be the result of lack of financial planning. Change your strategy. Find ways to build wealth out of your present income. You can begin by investing in other people’s success stories. Buy shares or stocks in other people’s successful corporations. Invest in mutual funds or hedge funds. Invest in gold and commodities.

No matter your present financial situation, you can begin your journey towards financial freedom. It is never too late to start planning for your financial future. Find ways to let your money work for you. It will take some few years to see your small investments grow to become great wealth. Learn to make little sacrifices. The old adage says, “It is little drops of water that makes a mighty ocean.” It takes a person of 20 years an investment of $157 a month at an investment rate of 10% to become a millionaire at the age of 60. The 30-year old who wants to become a millionaire at the age of 60 must invest $439 every month. Let me illustrate with the table below.

]]> Wed, 01 Oct 2008 07:34:06 PST Becoming Wealthy http://www.bizcovering.com/Investing/Becoming-Wealthy.105292 Becoming wealthy in life is not as difficult as it seems and over the years many wealthy people have been known to be people who started from very humble beginnings but end up in the top groups.

What then are those things that these few wealthy people do that the ordinary individual are not doing? It has been said that doing the same thing over and over expecting a different result is insanity.

The followings are some of the attitudes that I have observed in my search for the things that made wealthy people who and what they are today and I believe that if we can also apply these things to our lives we can also achieve their level of wealth. It will require you to be disciplined but what more would you want if not for result after your endeavor?

You must develop that mentality for investment in every area of your life. How then can you develop this investment mentality? Follow the following steps and you are surely on your way to becoming wealthy:

  1. Destroy Consumer Mentality

    many are basically consumers; they consume every amount of money that comes through their hand and later complain that they are not rich. I used to be like this until I understand that part of whatever money that comes to you is meant for investment. You must learn to save a percentage of whatever cash you get for investment sake. Your investment is what makes you wealthy not your spendings.Get rid of the consumer mentality and develop in yourself the mentality of a creator and an investor. It is this mentality that makes farmers one of the richest groups of people all over the world. Make sure that a percentage of your earnings go into savings towards investment.

  2. Get Rid of Nomadic Mentality

     nomads are known to always be on the move; never stable in a particular lace as such they are never identified with a particular location. They are usually what you can refer to as wanderers. Look back to your life's journey and check how many business you have changed into. Are you the type that changes careers at every prompting? I know of a lady who has changed her career more than five times. She started out as a secretary, then she went to study nursing, less than two years into that she went to another job as a marketer, now she changed again less than six months to do hair dressing etc.from the illustration above there is a pattern of instability, now no one will ever take you serious if you are of an unstable nature in your career. Learn to stay long enough in a profession to build a reputation. Moving and changing careers r business every now and then will not help instead it destroys your chances of success in life.

  3. Salary Mentality

     Many don't see themselves beyond their current salary regime. In actual fact salary means wages and in the virginal Greek word wages is what is paid to slaves. A person addicted to just the salary level is therefore not so different from the slave, as their mind is programmed to 30 days make one pay, such that he can't think outside the box. To become wealthy in life you need to think outside the box beyond the level of your salary. A salary earner is more of a collector and not a creator. You can kill this mentality and become a creator. What happens when a machine is created to replace what you do at work? That means you have lost your job and ultimately your salary. Move away from this point to the level of a creator. Creators find ways of becoming employers and not remaining employees. No man ever gets wealthy working for another.

  4. Destroy The Victim Mentality

     always believing someone is victimizing you or someone is responsible for your problem will only block your ability to get creative and get out of poverty in life. A man without investment mentality will become poor in less than a year even if he wins $1m as he only knows how to spend and not how to invest. A man with victim mentality can never develop investment mentality as he is always having an excuse for remaining stagnant .Victim mentality is a limiting factor to development and progress.

  5. Success Mentality

    A man who is hungry for success will always look out for ways to succeed and move from the present level to another. When you search for means to succeed opportunities will always be presented to you at every stage of your life.

  6. Asset Acquisition

    Develop a mindset that is committed to Asset acquisition and not liability. An asset is anything you purchase with money which has every tendency to appreciate in value over a period of time and puts money in your pocket. This is the principle of making your making your money work for you. It puts money in your bank account without any extra effort on your part; your money becomes the effort in this case. An example is a house you purchase and renovated for the purpose of lease or rent which gives you money every month or annually. It is not the money you have in your hand now that makes you wealthy but the money you invest for multiplication that brings you wealth eventually.

  7. You Must Learn

    To be successful you must learn and copy those things that made others succeed. There is really no need to reinvent the wheels follow what has been done and is working probably with a little innovation and you are well on your way to wealth. Every new product is just a little innovation away from the old product.

In conclusion,wealth creation is not as difficult as many viewed it but can be achieved by all who will just discipline themselves and allow a little bit of patience of some years .You don't achieve wealth in just a year but wealth is what is built up over time and multiplication of your investment will get you there quickly.

I hope you will follow the steps above and succeed as you follow them.

]]> Sun, 06 Apr 2008 06:27:50 PST