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Sunday, October 28, 2007

Four-Phase Cycle in the Stock Market

Everything has cycles. And now I just learned that there are four-phase cycle in our economy and here are their characteristics, especially in the credit and equity markets. I hope this information will be beneficial to some people.

First Phase
- Economy emerges from recession
- Bottom of the credit bear market
- Issuing of deeply discounted shares by some companies to repair their balance sheets
- Equity prices keep falling

Second Phase
- Equity prices rally
- Profitability emerges
- Corporate cashflows rise strongly
- It may appear as an immature equity bull market

Third Phase
- Equity market rises
- Appear as a mature equity bull market
- Equity market decouples from credit and continues to rise
- Investor appetite can be seen

Fourth Phase
- Entering the bear phase
- Equity & credit prices are falling together
- Insolvencies plague the credit market
- Profit warnings plague the equity market
- Falling profits and worsening balance sheets

The following info was taken from Citigroup Global Markets' equity research which was published on The Business Times on 27 October 2007.

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Monday, May 21, 2007

The Advantage Processors

Are you having trouble choosing reliable merchant account that will process the high and low risk transaction? You don't need to fret anymore. I chance upon this website and a few of my friends have tried them and they are really amazing.

Not only the service is good, the speed of processing is amazing and they cover the 4 major credit cards companies such as MasterCard, Amex, Discover and Visa (of course). And the fact that they are open to both high and low risks transactions make them really awesome. What more can you ask?

But wait, there's more. Knowing that starting a business can be a complicated task, Advantage Processors has also included in a few very reliable solution providers at your convenience. This will help you speed up with the business set-up and most importantly, to get your business up and running so that your money will flow in soon.

Really hope you'll start earning money once you've signed up with them. Good luck.

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Monday, March 26, 2007

Is Your Password Safe?

I found a great site where the author is sharing how we should protect ourselves from hackers when it comes to password. This article may just be one of the most important piece you've ever read. You can read it more here.

But if you don't really have the time to read, please make sure your password strength is at its best by using Microsoft Password Checker. I believe, that's really the least we can do if we are lazy.

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Tuesday, January 30, 2007

Great Success Tip: A U-niversal And U-seful Truth For U To Keep In Mind

“Born an original” is one of the topics I’m more passionate about. That’s because I’m afraid people don’t really appreciate that fact. They “know it” at the intellectual level, but they don’t “get it” at the gut level. They don’t grasp the full meaning of it.

Ugo Betti did when he wrote “When I say ‘I’, I mean a thing absolutely unique, not to be confused with any other.”

Not only were you born an original, but if we take into consideration and add to the package your habits, and tastes, and idiosyncrasies, and adventures, and experiences, and talents-skills-&-abilities, and … etc., we uncover a unique individual. You are THE ONLY YOU, the one and only, not just presently, but since the dawn of time.

Out of the billions of people* that have come and gone, there is not and has never been, another you. And there never will be, even if we could travel in time to the year 50,000. That makes you, and me, and each of us, SPECIAL. Unique, and special. That’s what Wally Amos wrote in Watermelon Magic: “Each of us is unique and special. No two sets of fingerprints are the same. So enjoy and appreciate your uniqueness. You are a priceless collector’s item.”

That’s what you are; a collector’s item, an original masterpiece, NOT a paint-by-number reproduction, not a “copy.” So please, I implore you, don’t die a copy, and don’t live like one in the interval.

Trust me on this one, I know it’s hard to march to your own music, do your own thing your own way, but you must do your very best to do so! It’s your assignment here on planet Earth. As Zig Ziglar wrote, “You are the only one who can use your talents and abilities; it is an awesome responsibility.”

On this topic, e.e. Cummings wrote, “To be nobody but yourself—in a world which is doing its best, night and day, to make you everybody else—means to fight the hardest battle which any human being can fight,and never stop fighting.

In Julius Caesar, Marc Antony urged his contemporaries to “Keep your friends close to you. Keep your enemies even closer.” For me, the worst enemy I have is the cookie-cutter, the tool used to make everything the same. As an author, a network marketer, and an internet marketer in a very competitive market, that same-old, same-old would spell “disaster.” And as a person, that would spell “boring.” I just can’t have that.

So, like Marc Antony, I keep my worst enemy really close. I have a cookie-cutter hanging from the ceiling over my worktable—when I write, it’s dangling in front of me, inches from my face. When I go out to places where I’ll interact with people, I take it with me, carrying it in my pocket so it’s always near. It is a constant reminder to not be like everybody else, but to be ME. To not conform, to not think, talk, shop or buy like everyone else. I love that question posed in a Jewish folk song; “If I am like someone else, who will be like me?”

Ralph Waldo Emerson sure agreed with this when he wrote; “Insist on yourself; never imitate. Your own gift you can present every moment with the cumulative force of a whole life’s cultivation; but of the adopted talent of another, you have only an extemporaneous half-expression.”

My reader friend, let me reiterate something Useful for U to keep in mind. It is a Universal truth on which all the biologists and psychologists agree Unanimously, and say to U in Unison: U, my friend, are Unique in the Universe! It’s a fact. Therefore, Uniqueness and originality are the order of the day, and Uniformity is out! U are not a Unidimensional being, but a multi-faceted one, with many Usable skills and talents. So Unite those gifts with your many creative thoughts and Use all U’ve got to come up with something special and unUsual. And U’ve got plenty. There’s no need for U to Usurp other people’s ideas, or try to emUlate them. Just be U!

I’d like to make a recommendation, if I may. I’ll use “we, us, our” so it’s not just for the reader, but for myself as well. Let our lives not be a painting-by-numbers, but let it be an Irises by Van Gogh, or maybe the label of a soup can by Andy Warhol. It doesn’t really matter, as long as it’s U-nique. Let our lives not be like generic elevator “musak,” but let’s make sure it’s more like Tchaikovsky’s 1812 Overture, Mozart’s Die Zauberflote, Pachelbel’s Canon in D, Dave Brubeck’s Take Five, or The Who’s Baba O’Riley,

Let’s create something that is U-nique. Let our passage on earth be a masterpiece so that when we leave here to go to the next realm, we can look back at our life and see an exquisite canvas in a big beautiful ornate frame and say “Wow! Would you look at that! That was ME! That was MY life! I did that. I painted that. Wasn’t I something?”

[* Since 40,000 BC—the dawn of modern man—an estimated 58 billion people have come and gone, according to a study by the Netherlands-based International Statistical Institute.]

About The Author

Daniel St-Jean is the President of The BizzBoosters Inc and he is the author of the highly-praised personal & professional development book entitled A First Serving of Milk & Cookies for Success available athttp://your-marketing-tools-for-success.com/product/FSMC-1 along with many other helpful books and eBooks. He also runs a very successful direct-sales home-based business. Find out about it at http://www.MoreMoneyMoreTimeForLife.biz/Articles-Posts.html where you can read many more of his articles.

Article Source: www.ArticleCity.com

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12 Steps To Turbo-charge Your Visualisation

by: Colin Joss

1. Every night, half an hour before retiring, go to your room, where you can be entirely alone and as remote as possible from noise and distraction.

2. Seat yourself in a wide and comfortable chair, or, better still, lie down on your back at full length. See that your clothing is loosened, so that you will suffer no distressing annoyance on this account. Compose yourself as if for sleep, assuming a position of restfulness, abandon and utter relaxation. Close your eyes, letting the lids rest lightly on your cheeks.

3. Shut your mind resolutely against every form of bodily sensation. Forget for the time that you are encumbered with a body.

4. Bar out of your consciousness every memory, every thought of the past.

5. Build a mental picture of the thing you want to have, to do or to be - the one thing that you immediately desire first and most of all. By this we mean nothing indefinite. We do not refer to ultimate aims that can come only as the result of long periods of effort. We mean something specific, something that can be yours tomorrow, something that in itself constitutes the next step in your chosen career.

6. See yourself finding the ways and means of realizing your desire, overcoming obstacles one after another, all the obstacles that can possibly arise. See yourself called upon to display, and displaying, alertness, promptness, courage, confidence, resourcefulness, patience, push, enterprise, expert knowledge, insight, shrewdness, tact, self-control, decision. See yourself face to face with the situation that confronts you in real life and manifesting the qualities and doing the things necessary to your purpose. Put yourself body and soul into this picture. Multiply details. Rivet your mind upon it.

7. Advance step by step, logically, wisely, consistently, to the climax of the drama. See yourself winning out. See yourself solving the problem, getting the thing you want, acting the part you desire to play. Detach your spirit from the flesh of this world and incorporate it in the mental image of yourself. Live the victory mentally until a sense of its reality permeates your soul.

8. Make your dream picture as delightful as possible. Dwell upon it with joyful satisfaction. Warm your heart with a feeling of thankfulness that that which you have so long desired is really yours. This feeling of gratitude, this emotional element, will bring forth associations that will give life to the picture and will animate your faith. Keep yourself tight shut in this dream world for at least fifteen minutes.

9. Arise and make your preparations for the night. Then upon retiring once more close your eyes and let your mind dwell upon your vision for five or ten minutes or until you fall asleep. Let it be the last thing in your thoughts as you become unconscious.

10. Every time you are awake during the night call the mental picture before you and keep it in consciousness as long as you remain awake.

11. In the morning, immediately upon awaking, repeat the procedure set out in the third, fourth and fifth instructions.

12. The more of your spare time you spend in this way, the more promptly will you actualize your ideals. By repeated concentration, every detail of the image of your desire will be so deeply engraved upon your mind as to exert an influence throughout the day. It will inhibit wasteful emotions and impulses. It will give you poise and self-possession. It will so inspire you with its promise as to awaken an energizing response in the profoundest depths of your subconsciousness.

By Colin Joss © 2006

About The Author

Colin Joss is the founder of Back Roads Marketing and publishes a free 'On the Back Roads' newsletter at http://www.colinjoss.com.

Article Source: www.ArticleCity.com

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Finding Ways To Save Time And Accomplish More Toward Goals

A definition of time management might be a process of gaining flexibility and cutting back time. The advantage to having a time management plan is that we are loosing something that brings us reward and gaining something that brings us bigger rewards. We end up with a “no loosing” situation if our time management plan is right.

To develop a successful time management plan we must first evaluate our time. We must sit down and ask ourselves how long does it take us to eat? How long does it take us to get dressed and groom for work? How long does it take us to prepare the meals we have to eat? Everything we do takes a certain amount of time. You might start out by writing down just how much time it takes to do each of your very have to tasks each day.

Then sit back and evaluate your list. Are you wasting 10 minutes here and there on those have to items that could be used for something else?

Where our time goes is an essential element to determine for our entire time management plan if we want to begin spending more quality with the most important people of our lives and less wasted time on some routine task. This is the absolute first step of creating your own personalized time management plan, a time management plan that will allow your more time to do the things in life that are most important to you. You must determine where you are wasting time and then decide how to use that time more effectively. Once that time is lost, there is no calling it back.

Another important element of creating a successful time management plan is to be sure and finish tasks before moving onto another task, unless you are at work, in a job that requires doing multiple tasks at one time (multi-tasking). Once you finish one task, move onto the next task and follow in pursuit of finishing all tasks. Once you finish the last task, sit back for a moment in a comfortable position and think of what you accomplished. How much time did it take you to complete task? Don’t forget to be keeping down your start time and end time. Of course this type of listing time of tasks works best for those things you do as routine each day. You want to work on completing the tasks in as little time as possible so you that you have to add in the unexpected tasks of the day or…….much better…….so that you have time to do something you really, really want to do, something that is not routinely required of you to do. For example, like visit on the phone with a favorite friend, your daughter or mother, or whoever, read some in the books you want to complete at some point or another in your lifetime.

A successful time management plan provides us with a source for more flexible schedules. When we have flexibility we have more time for ourselves. Once you have determined your priorities for time usage, then you can start adding tasks that you been putting off because you just don’t have the time to do them.

So….you now need another list of goals and plans of tasks and things you want to do but never have the time to do. One of the best ways of keeping these lists is on your computer where you can quickly erase and add to. But then again, paper in a notebook is also good, perhaps a special book.

Time management is the process of working to succeed. When we work to succeed we reach our goals. We first have to decide what those goals are, of course, and then work toward them using our time management plan. You will probably have to sit down and really ponder on what is needed to reach each goal of set of goals, and of course, decide how much time each step of the way you will need. Some people like to set short term goals, reach that goal and then set a long term goal. It might be a better plan to try and set short and long-term goals in the same time management plan. Whichever way works best for you, however, is what you should do.

Time management is essential since it demands that a person plan, act on those plans and stay focused on those goals with motivation. You must also keep reality in mind, and plan for the things out of your control that could go wrong and therefore steal time from your time management plan. Some examples would be computer failures, family illness, personal illness, inches and inches of snow and ice, horrible sudden tornados and hurricanes. It is always wise to include elements of your time management plan in accordance to what could happen out of your control. You may want to have a plan ahead of time of using your time in some other manner if your computer fails. Catch up on your paper filing or something. Right now for me, I am experiencing an internet outage. I have groomed many more Shih Tzu than the usual today in the time I usually spend answering e-mails and working on my websites.

Time management is working to succeed. If you want to succeed then you must work hard every day to meet your goals. I recently cut down my preparing and eating breakfast time by about ten minutes. Instead of my usual meal, I now mix up a Zone Shake and drink it while doing some other chore like adding to or emptying out the dishwasher, or even while opening up my daily e-mails. In reality here I am using ten extra minutes to work on my goals, rather than preparing and eating a regular breakfast.

About The Author

Connie Limon. Visit us at http://www.selfimprovementbook1.com and sign up for our newsletters. Self Improvement Book is a guide to information about self improvement, personal growth and self help tips. It is an organized directory referencing information in other websites on the World Wide Web.

Article source: www.ArticleCity.com

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$10 to $1111 in Less Than 5 Minutes?

You buy something for $10.10, and you get $1111 instantly. Would you want that?

:p .... I would like to say that "in my dream" but ... not really.
I can show you the prove that it did happen to my friend yesterday at .... Coffee Bean, Paragon.



Unfortunately, he was not able to cash out the $1111 as it's the mistake made by the cashier. Alamak .... no fun! :p .... But heck, it's still quite an interesting phenomenon, isn't it? ;p ... just that next time let's make sure the money is molest-able and not just mere on paper.

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Wednesday, January 24, 2007

Who Says Opportunities Do Not Exist?

Money doesn't literally grow on tree but some guaranteed money making opportunities may still be around. For those of you who knows how to create a robot or even know someone who knows how to create a robot, why not give yourself a shot in this $1 million challenge organised by Defence Science And Technology Agency (DSTA).

All the best if any of you reader is trying it out.


Source: The Straits Times. Wednesday, 24 January 2007.

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Monday, January 22, 2007

Discover Free Resources Before You Start Paying

Hi everybody

As I'm discovering and learning about internet marketing, I found this website - www.freeinternetmarketingcourses.com that offers lots of free courses to jumpstart your adventure in online business. Some of the topics offered are:
  • How to profit from audio books
  • Search Engine Optimization (SEO)
  • How to profit from public domain books (I'm practicing this myself right now)
  • How to profit from Ipod movies
  • eBay auction tips
  • and many more
I think before we actually spend money on the things we are not even sure we need or not, it's good we learn more about the area that we'd like to go in with all the free resources available.

Happy learning and discovering.

Online Marketing Strategy

How many of us felt so lost and overwhelmed when it comes to starting and running an online business? Let's hear what Tim Berry MD got to share with us


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Thursday, January 18, 2007

How Can This Be Possible? You'd Better Get Used To It

I thought my friend was joking when he found out about the news. He said he found a good deal. To me it sounds like another hype-up scam. But it is not.

Imagine hosting 6 domain names all at once at only $83.40/yr at 200GB! That's like $13.90/yr for one domain name. I am paying $25/year for only 1 domain name. I'm so going to switch to this new discovery.

You think that the deal ends there? NO!!!!
When you sign up as their affiliate and when you have just one person subscribes with your link, instead of paying $83.4/yr, you'll only need to pay $18.40/yr. Why? Because they give $65 referral fee. Aren't they generous?

So who's this amazing company I've been blabbering about?
They are Bluehost, another of my new discovery of the day. :-)

Hope you'll be benefiting from it and do share the good news to as many people as possible.

Sincerely

D.D.
My Very First $97 Gift Discovery


Created and maintained by Donna Daritan (D.D.) www.DonnaDaritan.com