I do not usually post information here about the mortgage business but this is a great educational piece that I thought would be useful to any one that may be interested in how mortgage rates are determined in the market place.

Okay – hear me out. From here on let’s assume we are talking about legitimate online business opportunities (as opposed to outright scams, ponzi’s, pyramids, etc.). On one end you have ads with lots of hype and the advertiser may have no real intention of giving those that enroll the tools or support they need to reach the riches pictured on a landing page. They either do not know how or are not willing to be a good business coach and leader. On the other end you have someone looking for a get-rich plan, maybe a “passive” income and join the venture and once you’re in the riches will just flow. You are entitled to great rewards once you pay your enrollment fee, subscription, business kit purchase, etc. – Right? Then when riches do not roll in, you might as well scream SCAM!!

Let’s get real. First off, if you cannot contact the advertiser by phone or at least with some e-mail correspondence –ask yourself what kind of support will you ever receive and if you should be engaging in the opportunity? Secondly, do you want to do the work required to attain real wealth, or do you want the get rich quick entitlement scenario? What is your mindset? All success will take real effort. Do your due diligence. Does the opportunity and the advertiser/coach/sponsor intend to deliver real value? Are they honest and sincere (it will show in their actions)? Success stories are out there and they are very real. Those that are very successful in their online businesses are referred to as three percenter’s, due to the estimated ninety-seven percent failure rate of those who set out in an online opportunity. I am sure there are plenty of broken promises out there, but people basically fail in a legitimate opportunity because they quit. The three percent that achieve this success are not a product of luck or getting in early. They worked hard and smart, developed the skills needed in their art and most likely developed other successful people underneath them.

So before you set out for your first big venture online you must ask yourself the following questions: Are your intentions ethical, honest and earnest? Do you have the proper sponsor/leader to empower you to attain your goals? NOTE the word “empower” as opposed to “entitlement” mentioned earlier in this article. Once you reach a level a success are you willing to coach others to duplicate it?

I have made the decision to be part of the three percent that are successful working from a laptop. If you are heading in that direction and are serious, I am more than willing to talk with you about joining our team where the tools and training are available to make your success a reality. The success is ultimately a product of your mindset and work ethic. The right coach, tools, system and support will get you there once you commit to your plan.   You can see and hear the reviews first hand here.

Attend our team’s Free Live Business Overview (webinar) to get an inside look at the marketing system I use. This Webinar is held every week on Tuesday, Thursday and Saturday, from:

Feb 9, 2010 to Mar 25, 2010 9:00 PM – 10:00 PM EDT

REGISTER HERE!

See You At The Top!!

After the explosion of the internet, the lifestyle of every common individual has drastically changed from every aspect. The internet has made a huge impact to the modern society including lifestyle, access to information, and methods of generating income. The internet offers a wide variety of opportunities to individuals who want to earn money in the shortest time possible. One who gets acquainted with e-commerce and its advantages can begin their online career and be doing business in a short amount of time. Many people can effortlessly share their files, send electronic emails, talk online, chat, and do electronic payments so it is easy to establish a career and business. Commuting to an office can sometimes be tiring and exhausting, especially when an employee lives far from the workplace. In addition, your company’s salary may not be enough to sustain the lifestyle you desire due to economic crisis. When you become your own boss you can control your own income. If you want to earn more money with less effort, you may automate many facets of your business by taking advantage of the many tools available to market your venture on the internet.

Doing business online has never been easier as it allows you to work at home. There are many options for starting your online business (Read On This Topic Here). There is no easy way to internet riches, however there are less barriers involved as opposed to brick and mortar businesses which may include inventories, leases, payroll and all the other headaches that may come with that territory.

You can due your research with your computer and your internet connection and once you are ready to start you business, you can be up and running with that same computer and internet connection. Match your business with your passion and the sky is the limit.

Dedicated To Your Massive Success!!

Derek Bayer

See the business and marketing system I use:Here!

This was recently shared with me and thought it was a good idea to pass it along:

Passwords are the key method that most applications and websites verify that you are who you say you are. The trouble is: they are so valuable, bad guys love to steal them. Then they get to pretend they are you, and the next thing you know, they have emptied your bank accounts.

A recent survey showed that 73% of people use the same password across all their accounts (banking, work logins, Facebook/MySpace, etc.)

You’re now thinking: “Well, yeah, I use the same password because it is too hard to remember 10 different passwords.” I’ve got an alternative for you that will help decrease your risk but should still be manageable. Create yourself three passwords… one for your banking and financial sites, one for work, and a third for less important sites such as those coupon sites or news sites. That gets you down to only three different passwords to remember!

Any password based off of an actual word in the dictionary, like M0nd@y1, is actually very weak. Even altering the “o” to a zero or the “a” to @ and adding a number at the end doesn’t help much. Those sort of common substitutions are known by the bad guys and they can guess them pretty quickly.

Instead of a password think of a passphrase such as “my dog is red and purple”. You can use the first two characters of every word and get “mydoisreanpu”. How about we add some capitalization, a number or two, and a couple of special characters to get “*myDOisR3@nPU*” Now there’s a strong password that’s 14 characters long with special characters, capitals, and a number… all based off of a single short memorable phrase.

Do you see the patterns used to alter the pass phrase? If you pick a single pattern such as 1) first two characters of each word in the passphrase, 2) capitalize those two characters for every other word, 3)always lead and end with a *, and, finally, 4) replace “E” with a 3 and “A” with an @ you will be able to remember your password construct every time. Create your own pattern!

Finally, I have a few other points for you to remember about passwords and account security.
1. Never, ever, share your password with anyone.
2. Don’t let anyone use your identity! If they are logged on as you then as far as the system is concerned they ARE you.
3. Don’t write down your password! Also, don’t write down your passphrase or the pattern you use to construct your password from your passphrase.
4. Always lock your screen (in Windows just press the “Windows key” and “L”) or logoff when you are leaving your computer. Even if you are just headed to the bathroom for a minute.