(Never say Die!)
Copyright © Carl Allen

> http://www.fundedstreamlinesponsoring.com/?ID=1187

Never Say Die! Don't Give up now, help is on the way.

How many Guru's does it take for you to go bankrupt? I'm ashamed of

myself for spending our house hold budget money for things that promise

instant riches. Maybe you do the same by joining programs that you hope

will lead to the gold at the end of the rainbow, but guess what? Your

deeper and deeper in debt.

I've spent thousands of dollars on worthless programs, how about you?

Heh! Maybe your smarter than the average bear. None the less it's time

to quit sqaudering your precious dollars.

With todays economy who knows what lies ahead.

I've used several programs that are very promising but before I show

what they are I think you should consider this: They say there isn't

such a thing as a free lunch but what if I were to tell you

differently? Maybe not entirely free because any worth while idea

requires either effort or money, sometimes both.

Life, Health & Wealth
This is free, No fooling
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With the financial crisis going on, bank closeirs, an unhealthy Wall Street, and prices hitting an all time high. It looks gloomy for our future. The bright side is that we can make inroads that shelter us from the uncertainties that lie ahead.

Lets start with your Budget. You do have a budget don't you?

It's suprizing that there are so many couples that don't have a proper budget. Most of the time it's one spouse that takes care of the bills and the other has no idea whats going on.

When I was newly married and starting a family I felt a budget was impossible. My wages didn't even cover living expenses. I started a second job and my wife began selling Avon Products. That certainly helped but then there was no family life.

Before you start a budget please do a list of personal values and priorities. What good is wealth if it puts family and health at risk. I finally was able to have a workable budget but after 40 years on the job my health suffered. I was forced to retire early. After 40 years is early?

Even though budgeting is a very imprtant aspect of your goal setting, be sure you get your priorities right.

It takes effort with anything you do of wirth. It took me along time to learn to handle finances. Today I am completely out of debt. My home is completly paid for. My car is paid for but I may be unable to drive if my health worsens. I do not have any credit card debt. I have one credit card for emergencies, one debit card for online purchases and one debit card for other expenses and fun. Although I'm on social security I also have a computer repair business.

If you would like to learn more about budgeting and goal setting please sign up for my newsletter. It is free to subscribe. www.carlfallensite.com/hhwyou (sorry!) This is off line at present.

Advice, Views and Offerings part 2

If you have signed up for anything on the internet your bombarded with a hundred other offerings.
Most of them offer verification by clicking the follow up e-mail. This is somewhat par for the course but who are they any how? I'm glutton for punishment because I have signed up for anything that offered instant riches. Of course you recieve a zillion unsolicited e-mails to fill your inbox.

Okay! I didn't expect instant riches but I did expect honesty with their offerings. Most are same oh, same oh with a different title. How many adsense reports, clickbank wealth, SEO optimization, doing the HTML game, and how I did it, do we need? It makes me feel like throwing up.

I had more websites that go nowhere than I could count. This was because their programs offered a way to make a big income. After paying for the programs you find a half dozen inner programs with more charges.

I bought into so many programs that my family shut me down. I wasn't paying the bills.
All my credit cards were cancelled, most were way over the limit. How do you do that?
I was given an allowance. What am I some little kid with an allowance? Of course sometimes drastick measures are necessay but to have an audit every month and a cosigner for my checks.

It didn't go that far because I balked. Lock me up and throw away the key. We finally came to an agreement where I wasn't to use the internet except for surfing and e-mails. No purchases allowed.

I was told at a young age that i'm retarded so I have an excuse.

What I'm trying to say here is be careful and wise. Don't go over your head in debt.
I now live comfortably, Not rich but I have all my needs. A home and car that's paid for and money in the bank and I owe no one. My name is cash only, one credit card for emegencies.

Next week I'll be doing an article on staying out of debt.

Advice, Views and Offerings

I do not intend for this Blog to be used for Negativisms but as an expression of thoughts on life and the development of strong relationships. both in family and community.
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In all my business years I have given a lot of advice which some was good and some was bad.
I like to think that I have helped solve people's problems. More likely than not I solved very little. I advised people on marriage when mine was on the rocks. Although my marriage did survive.

For some reason I was looked upon as an authority on about everything. I hope I'm not like an acquaintance who is an authority on everything except holding a job.
My actual roll was a Theatrical Costume Consultant. I worked on a few movies and met many movie stars

Many still asked for personal advice on other matters. Maybe it was because of my business or religious affiliations.Maybe they thought I would introduce them to the Movie Stars.

I Blogged the 56K

I Blogged the 56 K

In the beginning there was the Internet.

Before that there were bulletin boards. These I explored with a 300 baud modem.

Recently I asked a customer who was purchasing a new computer if he needed a modem? His response sort of set me back. He said that he didn’t think anyone used phone modems anymore.

Truthfully! Yes they do. I have many customers who still use 56K Modems. But I ask why?

Maybe because it’s cheaper than Cable or DSL which either costs almost $50 per month

You can buy a 56K Modem for under $15. And the service providers range from $9.00 to $ 25.00 a month.

The other day my internet went down. I was told it would be three days before they could have anyone out to fix it. Until it could be restored I figured to use my backup 56K modem. This I have installed and I pay about $10 per month. The reason it is installed is I receive residual payments from those customers I recommend. This means I gain far more than the cost.

Horrors! I could not imagine using such a horse and buggy appliance as a phone modem.

One little thought here. Cable and DSL will be looked upon as archaic like the phone modems are in a very few years.

The reason I’m telling you this is plain and simple. It’s all about service. I would dig ditches to be able to have the best and I promise to give the best in any of my endeavors. No I am not a bigot or egotist. You cannot be successful if your thoughts about yourself are menial or in denial. A couple months ago my wife and I were discussing the remodeling of one of the bathrooms in our home. I have back problems so unable to do much myself. The bathroom off the main bedroom we hired to have remodeled but the large bathroom off the hall needs major renovation. My wife’s comment was that it’s okay because no one sees it. What are we a couple of nobody’s was my explanation? Of course the bathroom off the main bedroom didn’t need remodeling until the toilet almost went through the floor. We have new paint and cupboards in the kitchen but the tile is waiting until the hall is painted and the hall doesn’t get painted until the bathroom is done etc, etc.

I am trying to give my wife the environment, worthy of the princess that she is.

Lets get with it folks. If you are going to make money on the internet you should plan on investing a bit. Not a whole lot but enough to keep you going until the money starts coming in.

You must start out will a goal plan and a budget. In a later edition of this Blog. I will expound my thoughts on goal setting and finances.

I know almost all of the pitfalls of the internet and my purpose is to help you avoid them if possible. A few years ago I blew all of my savings of $80,000 mostly on internet promises. Oh Boy did I get rich? I actually tried to file for bankruptcy. I had doctor and hospital bills and had maxed out my credit cards. The attorney told me I wasn’t eligible for bankruptcy because I still owned properties and had investments. This was true but it didn’t give me any cash flow. It would take time to find buyers for the properties and stocks.

Now let me regress a bit here. I am not down playing that you should not use phone line modems or free internet access but the core issue is you get what you pay for. Starting out with very little money won’t hinder you except taking longer to succeed.

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