How One Product Made Me Into a Millionaire: The 4th Thing I Learned You Must Have in a Successful Home Business

Written by Brock Felt


When I was working at a gas station in Chandler, Arizona, fixing windshields for a living, making only $30,000 a year, I had allrepparttar drive inrepparttar 116650 world to succeed.

You see, I was in a franchise. I thought that since I had entered into a business of my own and if I worked it hard enough, I would have success. Man, I was dead wrong.

What I learned is that I could have allrepparttar 116651 drive and determination inrepparttar 116652 world, but unless I was behind a timeless, constant and steady product, it would be impossible to succeed.

What I am talking about, is an Evergreen product. When I was introduced torepparttar 116653 business I am currently in, I quickly learnedrepparttar 116654 power of an evergreen product. An evergreen product is something that is going to be around for a longtime. Everyone has to be able to use it. It must be a product in high demand consistently.

Health and Beauty sectors produce evergreen products. But, take cosmetics for example…that’s only 50% ofrepparttar 116655 market you’re selling to. I was fixing auto glass at a gas station… This service covered more ofrepparttar 116656 market, as both men and woman drive cars. But, I was still very limited. First off…I only hadrepparttar 116657 influx of cars coming into that one particular station. And, second…some customers, even if they did have chips in their windshield, didn’t want my service because they already used another auto servicing center for all their auto needs.

After I got out ofrepparttar 116658 auto glass business and got started withrepparttar 116659 opportunity I am in now, everything clicked. I saw how two huge markets had come together, creating a winning combination. Hot markets, such as Personal Development andrepparttar 116660 Internet are not only steady and constant, but will continue to grow consistently for many years to come. As far as both markets are concerned…I believe we’re only atrepparttar 116661 very beginning.

Credit, Money and the Home

Written by Kimberly Flores


Did you know that money is mentioned inrepparttar bible more times that heaven or hell?

Doesrepparttar 116649 idea of telling your spouse what you spent on marketing send chills down your spine? Why? Because you have nothing to show for it…yet?

Do you have a set budget you follow, including your online expenditures? Or, are you just throwing your money at whatever looks provocative atrepparttar 116650 moment?

Have you found out that PPC (Pay per click) search engines eat your money faster than you can check your credit card balance?

Don’t cry, I’m right there with you. Running up a credit card balance is very scary, hoping against all that your promoting will pay off. It can eventually show some profit if you keep at it, but where isrepparttar 116651 break-even point?

I know firsthand how this feels. Been there, done that.

Ok,repparttar 116652 first thing you MUST DO: STOP USING CREDIT!

If you aren’t seeing any income, stop using your cards and instead set aside an amount in a savings-type account to draw from with a debit card. If you are receiving some commissions, or income, reinvest that rather than put your family’s livelihood onrepparttar 116653 line.

This is very difficult.

I have come to associate online marketing like gambling. It isn’t a sure thing, so it must be a gamble. This is a sin to me now. I am very cautious about where I put my money. I still invest in advertising mind you but I research it thoroughly.

I have searched and prayed for an answer to this question: “If I am to prosper as promised, I must follow Gods principles or I won’t be entitled torepparttar 116654 promise”.

I found this resource that has helped me tremendously: http://www.crown.org/

there aren’t any affiliate links so I don’t get a dime promoting them but I am anyway.

I’ve learned so much from their vast assortment of resources. I have set a budget and am trying diligently to stick to it, making at least 5% for marketing/advertising.

To quote an article from Crown:

Debt Nothing inrepparttar 116655 area of finances has dominated or influencedrepparttar 116656 direction of our society duringrepparttar 116657 past 50 years as much as debt. However, being debt free is still God’s plan for His people today.

The blessings of becoming debt free go far beyondrepparttar 116658 financial area; they extend torepparttar 116659 spiritual and marital realms as well. No one who is financially bound can be spiritually free. The effects of financial bondage on a marriage relationship are measurable inrepparttar 116660 statistics of failed marriages.

Approximately 50 percent of all new marriages fail, and finances are listed asrepparttar 116661 leading cause of divorce by a factor of four to one.

What is debt?

Simply put, debt is something that is owed. The Bible does not prohibit a person from borrowing, but it does warn against surety—taking on debt without an absolutely sure way of paying it back. If collateral used to securerepparttar 116662 loan can, in case of default onrepparttar 116663 loan, coverrepparttar 116664 balance ofrepparttar 116665 money owed plus interest,repparttar 116666 loan is not surety. However, taking into consideration that most debt in America is surety, we need to redefine debt.

Today, debt can be defined as a condition that exists when a loan commitment is not met or when inadequate collateral is pledged to satisfyrepparttar 116667 loan agreement.

Debt is not credit. Credit isrepparttar 116668 establishment of a mutual trust relationship between a lender and a borrower. Most oftenrepparttar 116669 undisciplined use of credit quickly leads to debt.

Establishing credit.

The best way to establish credit is to borrow against an acceptable asset, such as an existing savings account. Almost any bank will lend money up torepparttar 116670 amount that is inrepparttar 116671 account and charge from 1 to 2 percent more forrepparttar 116672 loan thanrepparttar 116673 prevailing saving rate. If within a year you pay backrepparttar 116674 amount borrowed,repparttar 116675 total cost for acquiringrepparttar 116676 loan will be approximately $20. Then, by usingrepparttar 116677 bank as a credit reference, you most likely can qualify for a major credit card, althoughrepparttar 116678 credit limit may berepparttar 116679 minimum amount.

With disciplined use ofrepparttar 116680 credit card and faithful payment ofrepparttar 116681 bill, credit limits probably will be raised.

The best way to cancel an existing credit card or credit account is first to make surerepparttar 116682 account is not delinquent. If it is current, you can send a letter torepparttar 116683 accounts department, customer service, or business office ofrepparttar 116684 bank that issuedrepparttar 116685 card and request that your account be cancelled. Becauserepparttar 116686 credit card isrepparttar 116687 property ofrepparttar 116688 issuing bank, you also will need to cutrepparttar 116689 cards in half and sendrepparttar 116690 cut cards along with your letter. Generally, banks will not accept a letter of cancellation unlessrepparttar 116691 cut up cards accompanyrepparttar 116692 letter andrepparttar 116693 account is current. Along withrepparttar 116694 letter you can either send a check to coverrepparttar 116695 outstanding balance or request payment arrangements. However,repparttar 116696 payment arrangements they offer may or may not berepparttar 116697 same as your previous monthly payment requirements.



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