Financial Freedom, is it only a dream or just steps away?

Written by Yochention Saritoh


Almost all of us go to work everyday and dorepparttar same routine over and over again. We work so hard until we caught up inrepparttar 102922 routines for years. Withrepparttar 102923 salary that we earn every day, we try to pay all of our bills. We always expect to get a higher salary, getting promotion or our business running better so we can earn more money. But we do not realize that when we get more income, we also have spent more money on our needs. After we work for two, five, or even ten years we just realize that we have been inrepparttar 102924 rat race of our financial troubles.

So, to be financially free is only a dream for us, we don’t think that is possible. We already set our mind set that we will retire after 40 years of working and then we start to enjoy our life after that. I don’t want to do that.

What if you can getrepparttar 102925 financial freedom faster than 40 years? What if I can show you how to get to financial freedom in 5 years? Wouldn’t it be interesting for you?

There are couples steps to achieve financial freedom.

First, you have to getrepparttar 102926 right mind set. Your mind set is what you are. You have heard old saying “You Are What You Think You Are”. This is true, when you think that you will always be poor then you will always be poor. When you think that you are a loser then you always will be a loser. When you think that you are short, then you always will be short. You see what I mean? Unless you want to change your mind set torepparttar 102927 positive way, there is no way that you can get your dream, which is Financially Free. You have to believe in yourself and think that is possible for you to achieve financial freedom. From that kind of mindset, you will get different power in yourself and attitudes that will guide you until you achieve your goal.

Second, if you do haverepparttar 102928 right mind set, you have to changerepparttar 102929 bad habit that you have. If you don’t haverepparttar 102930 money, don’t spend it! Our society nowadays, has a brand new habit that does not exist centuries ago. We can spend our money before we earn it! That’s right; I am talking about credit card. If possible, cut allrepparttar 102931 credit cards that are not in used. We will be trap in this financial mouse trap easily with allrepparttar 102932 credit cards lying around on our tables. We have to be discipline by only keep one or two credit card that we use often only for emergency.

If you use your credit card, please do it in your current budget, not your future budget. A lot of people are trapped because they use their credit card based on their ‘future’ budget. For example, Bob just got promoted this week, and his salary will be raised next month. He was so happy about it, and then he spends his future salary with his credit card. This isrepparttar 102933 mistake that we often do. In short, don’t spend it until you have it in your ‘pocket’.

Sealing The Deal Over The Business Meal

Written by Lydia Ramsey


Doing business over meals is a ritual that has existed for centuries. Taking clients to breakfast, lunch or dinner has long been an effective way to build relationships, makerepparttar sale or sealrepparttar 102921 deal. These business meals are essentially business meetings. Knowledge of your product or your service is crucial torepparttar 102922 success ofrepparttar 102923 meeting, but so are your manners. Too many people jeopardize an opportunity because they fail to use good dining etiquette. Here are a few basic rules to makerepparttar 102924 experience pleasurable and profitable.

Know your duties asrepparttar 102925 host. You are in charge. It is up to you to see that things go well and that your guests are comfortable. You need to attend to every detail from extendingrepparttar 102926 invitation to payingrepparttar 102927 bill.

Plan ahead when you issuerepparttar 102928 invitation. Allow a week for a business dinner and three days for lunch. Be certain thatrepparttar 102929 date works for you. That might sound obvious, but if you have to cancel or postpone, you can look disorganized and disrespectful of your clients' time.

Select a restaurant that you know, preferably one where you are known. This is no time to try outrepparttar 102930 latest hot spot. Being confident ofrepparttar 102931 quality ofrepparttar 102932 food and service leaves you free to focus on business.

Considerrepparttar 102933 atmosphere. Does it lend itself to conversation and discussion? If you and your clients can't hear each other overrepparttar 102934 roar ofrepparttar 102935 diners and dishes, you will have wasted your time and money.

When you make your reservation, letrepparttar 102936 staff know that you will be dining with clients. If your guests suggest a restaurant new to you (perhaps you are hosting clients out-of-town), call ahead and speak withrepparttar 102937 maitre'd. Make it clear that you will be having an important business meal and picking uprepparttar 102938 check.

Confirmrepparttar 102939 meal appointment with your clientsrepparttar 102940 day before if you are meeting for breakfast or that day if you are having lunch or dinner. Things do happen and mix-ups occur.

Arrive early so you can attend to last minute details. This isrepparttar 102941 perfect time to give your credit card torepparttar 102942 maitre'd and avoidrepparttar 102943 awkwardness that seems to accompanyrepparttar 102944 arrival ofrepparttar 102945 bill.

Take charge ofrepparttar 102946 seating. Your guests should haverepparttar 102947 prime seats-the ones withrepparttar 102948 view. Asrepparttar 102949 host, takerepparttar 102950 least desirable spot-the one facingrepparttar 102951 wall,repparttar 102952 kitchen orrepparttar 102953 restrooms.

Beyond being polite, where you seat your guests is strategic. When you are entertaining one client, sit next to each at a right angle rather than acrossrepparttar 102954 table. With two clients, put one across from you andrepparttar 102955 other to your side. If you sit between them, you will look as if you are watching a match at Wimbledon as you try to followrepparttar 102956 conversation.

Allow your guests to order first. You might suggest certain dishes to be helpful. By recommending specific items, you are indicating a price range. Order as many courses as your guests, no more and no less, to facilitaterepparttar 102957 flow ofrepparttar 102958 meal. It is awkward if one of you orders an appetizer or dessert andrepparttar 102959 others do not.

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