2 Extra Hours Per Week Can Make You a Millionaire

When you take 2 extra hours of work per week to bring more value to your clients, it may just change your life. What kind of change? How about $1,000,000 worth of change. But first, let see some data, and then I will give you a practical roadmap that you can put into place TODAY!
It's really scary. 26% of all Americans have $0 in their savings account. 7% don't even have a savings account! The average American has $4,436 in their savings and 76% of families are living paycheck to paycheck. The average person in their 60's has less than $200,000 in savings for retirement. It's not surprising that most people just don't believe in the idea that they really can become millionaires. But what if I could show you how? What if I could show you how to make an extra $2,000 per month, and if you invested over just 20 years, you would easily turn into $1,000,000+? Would you do it? If your answer is YES, then keep reading.
Let's take a real life example that I just set up for my personal trainer Josh. It's a perfect example of how he, you or anyone can do it. Josh was charging $50 per session and had 15 weekly clients that worked out with him an average of 3 sessions. That translates to $2,250 per week or $9,000 per month. When I posed the $2,000 = $1,000,000 concept, he loved the idea, but didn't think he could come up with the extra $2,000 per month to invest. It just seemed like a pipe dream to him. He already had a mutual fund set up, that was earning 6% a year, but it had less than $1,000 in it and he was contributing $100 per month to it. And that's the problem folks. Many of us have retirement accounts set up, but the deposits we make just not enough to move the needle of our net worth. That is why we need to get to a min. of $2,000 per month of extra cash to start moving the needle. Here is the roadmap I created for Josh to generate an additional $2,000+ per month. The big question was, "How many total extra hours per week will I need to work?" The answer? Two. That's right, two hours extra per week will make him a millionaire. I'm sure the same could easily work for your business. Regardless of the business you are in.
Here is the roadmap:
Step #1:
Increase the value you bring. In Josh's case, all he did was work people out. No meal plans, no videos, no body fat index testing, no nutritional or meal prep advise. In short, he offered his clients limited (really zero) EXTRA value. You can't increase prices without increasing value. So he and I created the following value added programs and he put all of them into action within 1 week. Josh signed up for the email program (there are tons like Constant Contact or MailChimp), loaded in his client's email addresses, and boom, he had a platform to get value added messages to them at anytime. He then created content via a simple, one-page weekly newsletter, that was emailed out on Monday morning at 6 am. In the newsletter he offered great recipes for easy to cook meals. He talked about nutritional suggestions along with vitamin and supplement recommendations. He told his readers about local farmer's markets in the area and what was in season at them to buy and eat. He even offered a DATE NIGHT SUGGESTION section in which he suggested that his clients go on a data night and why it was important to your marriage and mental health along with great locations and destinations to make it extra special. Lastly, he started to record himself doing workouts and impeded them into the newsletter so that his clients to do them on their off days. Get the picture? He started adding a foundation of value added services that informed, educated and entertained his client base. Total time per week? 2 additional hours.
Step #2:
Raise Prices. We raised his rate from $50 per session to $60 per session. $10 bucks, a small amount. But not all clients went for it.
Step #3:
What did his client say? He lost some clients who were not willing to pay the extra $10 bucks. They didn't see the value add of the newsletter, because they never had it in the first place. They just wanted to cheaper price. No problem... that is the point of step #3- to test your client base and the value you bring to them. In Josh's case, he had some cheap clients AND he was not bringing enough value to them. So they left him. If you raise prices without providing enough value to your clients, some will leave you too. And they should! Value is the key in today's crowded and cloudy marketplace. You must deliver value that exceeds the price you charge.
Step #4:
Put on Your Selling Hat. Josh lost some clients, so he had to get to selling to find replacements and a few more. But now, he was starting with a new price ($60) and a new product offering. This time it was - "Josh aka The Super Trainer", who cares about his clients more than anyone else and he proves it each and every week through the content he puts in his newsletter. He was now focusing your muscles, your mind, your food intake and even your relationship. He started asking for referrals from his existing clients and asked them to reach out to their family, friends and co-workers. I also had him talk to some of the busiest trainers at his gym and asked for their overflow, the clients they were just too busy to take on. Within 2 weeks he replaced the clients who dropped out when he raised his prices. It was ridiculously easy to replace them and he actually added 3 more for a new client base total of 18.
The end result:
Josh now has 18 very satisfied clients who get his VERY informative weekly newsletter and can watch his specific workouts on their off days. His new client base are all paying $60 per session X 3 sessions per week, and it now equals $12,960 per month. An increase of $3,960 over his prior income level.
I almost forgot... how will Josh's extra 2 hours per week make him over $1,000,000 and why should you tweak your business to find $2,000 per month to invest? Here is how it will work out for Josh. He is 30 years old. He will now increase his monthly investment from a hundred dollars to $2,000 per month because he has $3,960 more money coming in per month. Even after putting $2,000 away, he still has $1,960 more money than month! His $2,000 will go into the same mutual fund that has an average annual rate of return 6%. At the end of 21 years, it will be worth $1,017,000. He will be 51 years old and have $1,017,000+ in his retirement account! If Josh wants to continue this until he is 60 years old, he will have $2,011,000. It can happen if you just start. It's easier if you start in your 20's or 30's, but it can be done if you start in your 40's, 50's and even in your 60's.
2 hours extra per week, and $2,000 extra per month are magic.
Get ya some magic in your life!

Article Source: http://EzineArticles.com/expert/Matt_Manero/2187044

Article Source: http://EzineArticles.com/9522987

How To Buy The Perfect Pair Of Men's Jeans

Jeans are considered as one of the most valuable players in the wardrobe. It is usually not because they are best looking, or the most expensive piece of clothing you own. The most important is their versatility, as you can wear a pair in the workplace, around the house, on a casual outing or on a date. In spite of this usefulness, it is never easy to find a perfect pair of men's jeans. Aside from price, here is a list of some tips that should be kept in mind while buying them for men.
Consider when you will be wearing them
It is of utmost importance that you feel comfortable in your jeans. Sometimes, even the best-looking pair will look odd if you feel uncomfortable wearing them. In order choose one easily, keep in mind where and when you will wear them.
Look for timeless washes
Original blue jeans are now one of the versatile pair of jeans that will remain stylish for years. Stylish faded blue ones are the most casual of all. They look good with a shirt and sports coat. A pair of straight leg dark denim can never go wrong.
Stick with classic fits
A good choice is a boot cut or straight leg. You will be set, when paired with the classic washes. Classic jeans fits will be worth of your investment because you can get a lot of versatility out of them.
Get the right fit
Make sure the waist areas, leg and crotch are not very tight. You must also ensure that they look good from behind. You can try other styles, if you are not sure. Buying them longer than required gives you the chance to make any alterations or to fold them over.
Reproduce your normal wearing conditions
Putting them through a trial run is the best way to test the worth of them. Walk around the store with them and sit to check your comfort level and the pocket space. Also, make sure to try them on with a belt.
Make sure they have been pre-shrunk
It is very annoying when a perfectly good pair of jeans shrinks, especially when you are ready to go for an outing. Make sure they are pre-shrunk so that additional shrinking will be minimal.
Wash the jeans before hemming them
If you wash the jeans before hemming, it will put them through any primary shrinking. Taking off a little less than required, when hemming, is always a safer option.
So, choose a perfect pair of men's jeans by following all the above-given tips in order to get a fashionable look.

Two Alternatives to Getting Cash for Coins

Exchange kiosks at big stores often provide cash for coins poured into the machine. While many people appreciate the opportunity to convert their piggy banks and mason jars of spare pocket change into paper bills, others see different kinds of value in metal currency.
Metal Exchange
From the dime to the quarter, many denominations have ridges on the outside edge. The reason for this design feature is a common scheme for making money throughout history. Back in the Roman and Medieval eras, when the currency was stamped in a way that left uneven blobs of metal around the edges, enterprising criminals could shave off the outer surplus from the edges. The shavings from those pieces minted in gold and silver quickly amounted to a sizable profit.
Modern American versions rarely contain anything as valuable as gold or silver, yet the copper in pennies has risen high enough to rival the value of the individual coins. Over the decades, as the worth of copper increased and supplies were cut short during wartime, many different materials were used to mint the tiny Abe Lincolns. Bronze, brass, and steel have been used to make pennies in various periods in the past. Since the 1980's, pennies have been made of 97.5 percent zinc, though it's still possible to find older pennies in circulation. When the copper market hit a high point in 2011, a 95 percent copper penny (like many of those from before zinc was used) was worth three times its face value.
Assembling Collections
A popular hobby among children and adults alike, coin collecting provides hours of entertainment and rewards attention to detail. Collectors acquire cardboard displays or booklets, which they use to arrange quarters from every state or collections along other themes. As an affordable alternative to collectible cards, children can be encouraged to collect pennies minted in all the different years. Special pennies were minted for the Lincoln bicentennial in 2009, and it can be interesting to note how the wheat cent was replaced by the Lincoln Memorial and later the Union Shield.
People who travel internationally or have an interest in foreign cultures may also enjoy collecting money from other parts of the world. Seeing the figureheads, shields, and symbols chosen by other countries provides a window into different cultures. After a period of time overseas, it may not be possible to get American cash for coins from other nations, at least not at a fair rate of exchange. The monetary leftovers from last-minute purchases tend to become souvenirs for that practical reason.
Whether you appreciate the metal in a coin or its historical value, it's worthwhile to take a second look at the pocket change that many people take for granted. For those who are living on tight budgets, simply getting cash for coins at the bank may be the best option. Many banks provide paper rolls so that you can organize stacks of quarters and dimes, etc. Even when that practical route is necessary, it's worth considering whether any older coins may be of greater value to collectors.

When considering cash for coins Medford, MA residents visit CollVest Coins. Learn more at http://www.collvestcoins.com/Coin_Collections/.

Article Source: http://EzineArticles.com/expert/Andrew_Stratton/83489

Article Source: http://EzineArticles.com/9517892

Dealing With a Judgment on Your Credit Report

When trying to move about in the land of credit, those among us with checkered repayment histories will often find their travels to be rather arduous. There are many components to a credit file, and whenever one of those falls into disrepair, it behooves the individual to see what he might be able to do in order to rehabilitate that item and resume functional access to all that good credit provides. As this column has noted before, in addition to the more obvious benefits well-served by having good credit, it can now make the difference in what rates you pay for insurance, and even if you can land that job for which you've been desperately vying. The fact is that one's credit history has, over time, become a yardstick by which to measure personal integrity, fair or not, so it is essential that you do everything you can to ensure that yours is as "pure" as it can be.
This said, there is one type of credit report entry that can prove especially troublesome to address - the judgment. Although the presence of judgments are generally subject to a seven-year time limitation, they are severe enough in appearance that many people would like to find a way to make them disappear more quickly; plus, because judgments can typically be renewed by creditors (the specifics of this will vary by state), there is always the chance that a judgment will re-appear on your credit after the original seven-year clock has wound down. Although there are things that can be done more readily to directly mitigate, even remove, other kinds of items on a credit report, judgments are a particular nuisance... so is there anything that can be done?
What differentiates judgments from "garden-variety" collection items on a credit report is that a judgment is representative of a court action, which means that the judgment becomes a part of one's file not out of deference to the creditor who initiated legal action, but at the behest of the court. Once a collection matter moves from being a two-party issue (the debtor and the creditor) to a three-party issue (with the court added), the court becomes the 800-pound gorilla in the room. The only way to get a judgment removed from a credit report is to go through the legal process necessary to have it vacated, and that takes the help of an attorney, which also means time and money - plus, having a judgment vacated is simply a tall order.
So what are the options? Other than waiting for the judgment to eventually fall off of the report (and hope that it does not reappear), you might want to see about settling it... or paying the amount due outright, if that's small enough... in exchange for a satisfaction of judgment. It is up to the creditor to file the satisfaction with the court, so before paying anything, be sure you have the creditor agree in writing that the satisfaction will be filed as a condition of your payment. In the case of paying a judgment, even a small one, it is smart to involve an attorney - even though it is not necessary, and will cost you some additional bucks to have one help you with the process, the benefit and weight of legal representation in the creation and review of the settlement agreement, as well as in pressuring the creditor to live up to the terms of the agreement, if necessary, can certainly be worth the money.
The information contained here is for general information purposes only. Bob Yetman disclaims responsibility for any liability or loss incurred as a consequence of the use or application, either directly or indirectly, of any information presented herein. Nothing contained in this article should be construed as a solicitation or recommendation to engage in any financial transaction. You should seek the advice of a qualified professional before making any changes to your personal financial profile.

Robert G. Yetman, Jr. is a professional freelance writer who blogs at The Financial Writer ( http://www.thefinancialwriter.com ).

Article Source: http://EzineArticles.com/expert/Robert_Yetman/225984

Article Source: http://EzineArticles.com/9530394

How Co-workers Can Benefit Through Carpooling.

by: Alice Sutton

Are you feeling sick of huge traffic jams, air pollution and
increasing fuel prices? Do you really wish to find a solution to
this? Then not to worry since we already have a solution for
this problem. All you can do is form a carpool. Carpools have
proved to be the best alternative to public transport and
commuting privately. With the increase in carpool sites in
different countries, the awareness about carpool has also
increased in these countries. We can define carpool as a ride
sharing where people share their vehicles with other carpoolers
and commute together. This makes a lot of sense since you save
money on gas, maintenance of the vehicle and parking fees. Also
you contribute in saving the environment and reduce the level of
harmful gases being transmitted in the air due to traffic jams.
You also get the benefit to expand your network in meeting new
people.

How do employers benefit?

With the increasing prices in fuels, carpooling has attracted
more and more commuters every day. Everywhere you just get to
read about carpooling, whether its newspapers, magazines, radio
or televisions. Everywhere you will get to read advertisements
or get to hear some discussions on it. So find out why we
employers should introduce this feature of covoiturage Belgique
and covoiturage Luxembourg.

• Some of the advantages that the employers are benefitted is
that they are now able to hire workers from any geographical
area who can willingly work in a relaxed and rested manner and
not to forget less demand for parking area. If I was a worker
and was hired in one such company than I would personally look
for commuting time and the expenses for it. Sharing rides with
one or more fellow employees reduces the commuting expenses
significantly. At times the commuting time many not change but
riders who once travelled alone can now take in more commuters
to get some sleep, work, read or just listen to some music.

• Workers too are less stressed since they do not have to drive
alone or fight the traffic and remain alert throughout the whole
journey. The true fact is they save money and are active enough
to work. This research has proved details that relaxed workers
tend to be more productive with better results and maintain a
healthy relationship with their coworkers. In huge metropolitan
cities the cost of parking vehicles is expensive for the whole
day. Also building a whole parking lot for the whole staff can
cost you millions. Larger parking areas require more space and
the workers will have to walk for some time. It is healthy but
at times it is inconvenient to walk when it is pouring or
snowing. So with more and more promotion of this feature you can
save millions for sure.

• With employers using this feature of covoiturage Luxembourg
and covoiturage Belgique can help in promoting it too. More
number of workers using this feature can make this feature
famous too. You can also use many of the carpooling websites to
make some bookings. If you want carpool matches to be done with
your co-workers then it is very important that you get the
maximum number of registrations done on the website at the
earliest. All the employers can do is to suggest a website for
the workers to use.

• Another way is that you can make sure of registering yourself
with one of the car sharing services so that you reach your
destination on time. This is because you will be travelling with
different people and sharing it with them. So this means that if
people are travelling with you, then time is very important
since along with you these people too wish to reach on time. The
best option is to travel in advance to avoid such situations.

Thus, becoming a part of this wise idea will be beneficial to
all in many reasons. You will not only be benefitted
economically but also save a lot on gas and contribute towards
saving the environment too. Even huge traffic jams on the roads
will lessen up soon and parking spaces will hardly be needed as
well. Carpooling has now become a successful form of commuting
across the country and has made it easy for commuters to share a
vehicle between groups of commuters willing to reach the same
destination. Generally, a shared commute can also be established
through an agency responsible for riders willing to travel to
the same destination. However, with the internet bringing in
more facilities, you can simply go online and book yourself one
or just simply go the search engine like Google to get more
information on this.

About the Author: Alice Sutton author, who often uses
covoiturage de Belgique for her personal work. She also shares
how it will help others like working people, Housewifes,
children etc. More Info: http://www.europe-carpooling.fr/Europe

Source: https://www.isnare.com

Why Cell Phone Repair Rockville MD is the Better Option

 by: Always Mobile
 Today cell phones have surpassed the limit of being a
communication tool and have become an indispensable part of our
lives. Almost everyone owns a cell phone or desires to own one
as it has achieved the status of fashion accessory especially
for the younger generation. Irrespective of age or financial
standing a cell phone is a must have accessory that is fast
becoming a replacement for PC’s and laptops. However it is a
highly intricate device designed by experts to keep you
connected with family, friends and business associates. They are
also available in multiple brands such as Samsung, iPhone,
Blackberry, there is even a compact version of a computer which
some people refer as an iPad, and the list is endless. Since it
is fragile tool it needs proper handling and can be damaged at
the slightest provocation.

The tremendous growth of cell phone industry is evident in the
number of Smartphone and accessories available in the market. As
more and more people choose to buy and use cell phone on a daily
basis it has its own set of issues. Though, with the increase in
variety of cell phones, users have an advantage of a wide price
range to choose from, it is apparent that more people prefer to
own, only the latest version. With the increased ownership of
cell phones, there will also be an influx of issues, damages and
accidents which is why the need for the Cell Phone Repair Shop,
Rockville MD has become crucial as the cell phone industry in it
as one of the leaders in offering cell phone repair services to
meet the needs of the customers.

Despite the fact that cell phone repair service providers are
available in your city, many people would prefer to replace
their damaged or malfunctioning cell phone at the drop of hat
rather than getting it repaired. Consumers must be aware that
their cell phone screen is the most vulnerable part in the
device. If the phone is dropped the by mistake and the screen
gets cracked the best option available for you is to bring it
into Cell Phone Screen Repair Shop, Rockville MD for repairs.

One of the most important reasons to opt for cell phone repair
is the saving in cost in comparison to having to purchase a
whole new device. By opting to have the phone repaired all of
your data and vital files can be saved. Samsung Repair
Washington DC is another cost-effective option that can save you
the trouble of data transfer from your damaged phone to the new
your new phone.

In the event your phone is malfunctioning or broken loss of data
becomes greater risk. The best and quickest solution is to go
for cell phone repair as it can get your broken phone fixed, as
well as recover and retain all the crucial data you have in your
phone. Alwaysmobile.us is the one largest cell phone repair
service providers to the public throughout the Silver Spring MD.
We are reliable, fast, we provide great customer service,
trustworthy and bilingual which is a very intricate part in the
DMV area.

Screen repair is one of the most frequently requested services
sought out by today’s consumers. Even though cell phone cases
can start out as low as $5 there are still thousands of people
who still have not purchased one to protect their phone which is
why screens are getting damaged much more frequently, not to
mention, in the past cell phone screens were plastic and now the
majority of cell phones screens are glass Choosing to fix your
mobile phone could be a much better decision economically
speaking, without a doubt it will cost far less than buying a
brand new cellphone.

In Silver Spring Maryland you can find many cell phone repair
shops very easily however you must ensure that you select the
best service. Do your due diligence; carefully choose the mobile
repair store after checking the technician’s credentials. As a
consumer one of the key points that you should ask a shop before
you leave your mobile device to be repaired is if they offer a
warranty for their services. If the answer is yes, see if you
can get a copy of that in writing or at least see a copy of it
so that you as the consumer will have recourse if anything
should happen to your device. If you get the warranty
information then that is definitely the shop where you should do
business and feel comfortable in knowing that you are dealing
with an experienced staff of cell phone technicians.

There are immense benefits of cell phone repairs especially if
you plan on having the same cellphone longer than 2 years and
you use it as your business phone. Also, it is recommended that
you get the phone repaired before actually replacing it. With
the introduction of new phones in the consumer market they have
become more than a mere tool. These state of the art devices
with a host of features such as wireless connectivity, web
browsing, megapixel camera, global positioning system and many
more are prone to malfunction at some point in the lifetime of
the phone. The first and foremost factor to getting your cell
phone repaired is cost. You can save a lot of money by getting
it repaired and prevent losing any vital data such as contacts,
passwords, files, and more.



About the Author: As a leading cell phone repair store at
Westfield Wheaton mall, http://alwaysmobile.us/ offers all
inclusive services related to cell phones such as cell phone
repairs, unlock phones, buy and sell used phones and repair
cracked screens.

Source: https://www.isnare.com

Permanent Link:
https://www.isnare.com/?aid=1958823&ca=Computers+and+Technology

Be the Part of the Most Cheapest and Comfortable Flight

Be the Part of the Most Cheapest and Comfortable Flight
Submitted by: Sal Moore

Travelling deals is most important factor for people who want to
take the advantage of travelling through flight. Before the
travelling the many people visit web site to deal with the
cheapest and reasonable flight deals. People travel from one
place to other for vacation, holidays, honeymoon, business
purpose, organising event, marriage etc. Cheap flights are
always the choice of most of the people. Many of the people
don’t care about the fares, they rely more on the service and
luxury apartment.

There are different fares for domestic and international flight.
Fares are depending upon the distance you cover. More you travel
the distance more you will have to pay the fares. Every flight
is focusing on making the goods relation with the clients. Most
of the top airlines focus in the satisfaction of the customer.
Cheap flights are the preference of most of the people.

Tips to get the cheap flight

• Checked the fares early and often- to get the cheapest and
best deal check the web site very early, because the fares are
often changes from time to time. The continue visiting of the
site also ensure the best possible prices ever. That is why
people book the ticket in advance to get the advantage of
reasonable prices.

• Buy at right time- right time is the best ways to find the
cheap and reasonable flight ticket. By knowing the flight
information you can easily find the ways for the cheapest air
ticket. Booking the ticket before the limit of the timing make
your mire money to save.

• Some days are cheaper than other- the fly on the particular
day make a huge difference in fare. Mostly, Tuesday and
Wednesday are the least expensive day and best suitable for the
cheap travelling. On the other hand (Monday, Thursday, Friday,
Saturday and Sunday) have more fare charging days; Friday and
Sunday are the most expensive day for the travelling.

• Be aware about the seasonal flight- travelling on some
occasion may charge you extra from your pocket. Because the most
important factor that influencing the price is that, how full
the flight is or on some special occasion like Christmas.

• Sign up for airfare alerts and track routes- get registered
through the web site which is linked to the fluctuation of
airfare and alerts. You will get the message or e-mail to remind
you the start of selling.

• Prepare for extra bag fees- different airlines have different
baggage charges. Be preparing for the extra charges or avoid
extra baggage.

• Checked alternative airports- it might b possible that
alternative airport have the difference fares. If there is
another airport available near to the city, you can compare the
price and travel with the cheapest one airlines.

• Buy the deal that offer the best drop price.

Cheap flights deals provide you the easiest method to save the
money for your next trip. Many people cannot afford the high
price of the flight. These above are some of the best tips to
suit your travelling destination.



About the Author: Sal Moore is a freelance publisher based in
US. She publishes articles and reports and provides Cheap
Tickets and Flight to USA resources on
http://www.flightsservices.com

Source: https://www.isnare.com