Saturday, October 30, 2004

Dangers Of Common Household Products Create A Huge opportunity for Sharp Entrepreneurs

Sharp Entrepreneurs know for a fact that the best opportunities are always found where there are problems. Solve someone's problem and they will pay you for the solution. It's the foundation of virtually everything sold these days from Lawyers (legal problems) to Acne (social problems).

Now a major problem we have in North America is the huge amount of hazardous chemicals - under our sink. Just to prove the point here is a news release about the dangers of Common Household Chemicals. At the end, read the opportunity section:

Common Household Products, A Loaded Gun - Dangers Of Household Products

Why should a seven-month-old boy have died? He crawled through a puddle of spilled laundry bleach, which gave him third-degree burns on 50 percent of his tiny body and burned his lungs from the fumes as well. It took him four agonizing days to die. The average home today contains more chemicals than were found in a typical chemistry lab at the turn of the century. The Consumer Safety Commission has determined that cleaning products are some of the most dangerous substances in the home.


Would you keep a loaded gun under your sink? Of course not. What a silly question. Yet these products can be just as deadly. Of chemicals commonly found in homes, 150 have been linked to allergies, birth defects, cancer, and psychological abnormalities.”—Consumer Product Safety Commission

In one study conducted over a fifteen-year period, women who worked at home had a 54% higher death rate from cancer than women who had jobs away from the home. The study concluded that the increased death rate in the women was due to daily exposure to the hazardous chemicals found in ordinary household products.

Obviously, children are exposed to these same chemicals at home. After day-in, day-out exposure to these toxins, they may suddenly respond with cancer, learning difficulties, allergies, lung problems, or damage to the immune system.

Why should a three-year-old boy have died a lingering and horrible death after swallowing three ounces of hair conditioner? Two weeks after drinking the liquid, which contains ammonia, the little boy died. Why should little Peter Schwab have suffered so much? When he was a year old, he crawled over to the dishwasher to watch his mother unloading it suddenly; he put a finger into the detergent dispensing cup and ate a fingerful of wet but undissolved Electrosol. In minutes his face was red and blistered, and the inside of his mouth and his tongue were burned white. Because of a series of circumstances, Peter was in a hospital within minutes and he recovered in a few days. Not so for the little girl across the hall in the hospital who (according to Peter’s mother) ate some dishwasher detergent and required seven operations to reopen her scarred esophagus. Or the eighteen-month-old boy who had to eat and breathe through tubes for five months and at last count has had thirty operations. Dishwasher detergent is what destroyed his throat, too. Why must these children have suffered so? If only they had never been exposed to such hazardous chemicals. With your child’s long-term health at stake, should these chemicals remain in your home?

Children under four die of acute poisonings at home than are accidentally killed with guns at home.”—National Safety Council

“After analyzing 2,983 chemicals used’ in personal care products, 884 were found to be toxic.”—National Institute of Occupational Safety and Health

TOXIC INGREDIENTS IN PERSONAL CARE PRODUCTS

Personal care products are made to put on your skin, in your hair, or in your mouth. But many ingredients used in personal care products are also toxic and can be either ingested during use (like some ingredients in mouthwash and toothpaste), or can be easily absorbed through the skin into the bloodstream (like some ingredients in soaps, lotions, creams, cosmetics, shampoos, deodorants, etc.). In 1989, a House subcommittee asked the National Institute of Occupational Safety and Health (NIOSH) to analyze 2,983 chemicals used in personal care products. The results were as follows: 884 of the ingredients were found to be toxic. Of these, 778 can cause acute toxicity, 146 can cause tumors, 218 can cause reproductive complications, 314 can cause biological mutation, and 376 can cause skin and eye irritations. Why must we expose our precious children to these poisons when there are safer alternatives available? More children under four die of accidental poisonings at home than are accidentally killed with guns at home.

My point is this, why are these lethal products in your home at all probably because you didn’t realize how dangerous they can be. You probably weren’t aware that there are products on the market that are effective, much safer, and more economical than grocery store brands. The fact is, by using safer household products, you would no longer be taking unnecessary chances with your child (www.concernedmoms.com). Not only are these products hazardous to our health but they are hazardous to our environment. The chlorine and phosphates, etc in our products get into our waterways and speeds up a process called eutrophication where plant and algae growth can spiral out of control. This in turn sets off a chain reaction of events in a waterway’s ecosystem that can result in lower oxygen levels, death of fish, and damage to the rest of the aquatic ecosystem. If you knew that there was formaldehyde in Johnson & Johnson’s baby shampoo, would you use it? (Formaldehyde is a colorless, toxic, potentially carcinogenic, water-soluble gas, CH2O, have a suffocating odor, usually derived from methyl alcohol by oxidation.) Did you know that Clorox, the cleaner a lot of us use everyday, was a lung irritant and can cause cancer? If you knew Lysol and Soft Scrub Cleanser were registered pesticides would you use it to disinfect and clean your home? There is a cheaper, safer alternative to toxic products in your home.

Non-toxic products can be conveniently delivered directly from the manufacturer to your home and save you money. You can remove products containing cancer-causing agents from your home and replace them with safer, natural products. A lot of us are still using these products because we are unaware of their dangers, but some of us who know the dangers are still using them because we think there is no alternative or because we don’t think they can actually be that dangerous and make us that sick since all seems to be well at the present moment. Now that you know the facts you can do something about it. You can switch products today. It’s just like changing stores. Please spread the word to all you know, because a lot of us are unaware of the facts. You have nothing too loose but a significant amount to gain. Raising the awareness of toxins in our home is imperative. We must take care of ourselves, our family and our world. Contact info is listed below to get more info on non-toxic products and to switch your products today.

Contact a Home Marketing Executive by phone or email.
Phone:(803)996-6135
Email:e-mail protected from spam bots"


Opportunity


Did you ever think that anyone could die from hair conditioner? Or go through agonizing pain from just a finger full of un-dissolved dishwasher detergent? Neither did I until after I read this.

So now you have a fair idea about the serious problem those good old chemical companies like Proctor & Gamble don't really want to talk about (it would spoil their wholesome image and their profits, don't you know?) Here is your opportunity to find the solutions and help save thousands of kids lives every year and make a lot of profits in the process.

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Andre Janisch, is a successful Author, Entrepreneur, Consultant and the Editor of the Entrepreneur.Zone (part of the Betterways.net website). If you're tired of working for someone else and want discover new Innovative Ideas on Personal Wealth & Freedom then get your Free report called "The Complete Guide To How People Just Like You Turned Their Interest, Hobby or Passions Into a Kick-Butt Profitable Business" by visiting http://www.betterways.net today!

Thursday, September 09, 2004

A Valuable Lesson from “The Richest Man in Babylon”

There is an internationally famous book called “The Richest Man in Babylon” by George S. Clason which every man, woman and teenager should read. I herein present to you one of the lessons from the book which in my opinion is the basis and solid foundation for the successful financial welfare of every human being: Pay Thyself Today and Rest Easy Tomorrow (translation: PAY YOURSELF FIRST).

I hope you enjoy it.


A Lesson from the book “The Richest Man in Babylon”

Pay Thyself Today and Rest Easy Tomorrow

In the second chapter of "The Richest Man in Babylon," we meet Arkad, "far and wide famed for his great wealth. He was generous in his charities . . . with his family . . . in his own expenses . . . but nevertheless each year his wealth increased more rapidly than he spent it."

Bansir and Kobbi are not the only wealth seekers asking for his help. Some of them, "friends of younger days," question why fate has singled him out "to enjoy all the good things of life and ignore us who are equally deserving."

"Once we were equal," they point out. "We studied under the same master. We played in the same games. And in neither the studies nor the games did you outshine us. And in the years since, you have been no more honorable a citizen than we. Nor have you worked harder or more faithfully."

Arkad says, "If you have not acquired more than a bare existence in the years since we were youths, it is because you either have failed to learn the laws that govern the building of wealth or else you do not observe them.

"In my youth, I looked about me and saw all the good things there were to bring happiness and contentment. And I realized that wealth increased the potency of all of these. Wealth is a power. With wealth one may ornament the home . . . sail the distant seas . . . feast on the delicacies of far lands . . . buy the ornaments of the gold worker and the stone polisher . . . build mighty temples. One may do all these things and many others.

"And when I realized all this, I declared to myself that I would claim my share of the good things in life."

But the desire to have all of these good things was not enough. It was not until Arkad learned a lesson about wealth building from his mentor, Algamish, that his fortune changed.

Algamish told him, "I found the road to wealth when I decided that a part of all I earned was mine to keep. And so will you."

"But all I earn is mine to keep, is it not?" Arkad demanded.

"Far from it," Algamish replied. "Do you not pay the garment maker? Do you not pay the sandal maker? Do you not pay for the things you eat? Can you live in Babylon without spending? What have you to show for your earnings of the past month? What for the past year? Fool! You pay to everyone but yourself. Dullard, you labor for others. As well be a slave and work for what your master gives you to eat and wear. If you did keep for yourself one-tenth of all you earn, how much would you have in 10 years?"

"As much as I earn in one year," Arkad replied.

"You speak but half the truth," Algamish retorted. "Every gold piece you save is a slave to work for you. Every copper it earns is its child that also can earn for you. If you would become wealthy, then what you save must earn, and its children must earn, that all may help to give to you the abundance you crave.

"Wealth, like a tree, grows from a tiny seed. The first copper you save is the seed from which your tree of wealth shall grow. The sooner you plant that seed, the sooner shall the tree grow. And the more faithfully you nourish and water that tree with consistent savings, the sooner may you bask in contentment beneath its shade."

And that was the beginning of Arkad's journey to wealth.

In "The Automatic Millionaire", David Bach builds his entire wealth-building scheme around this one principle. He calls it "paying yourself first." It's an idea that is at the base of many of the best modern wealth-building programs.

It's a very simple idea. The money you spend on the trappings of wealth -- cars, boats, jewelry, etc. -- may make you feel wealthy, but they don't add to your wealth; they subtract from it. If you want to increase your wealth, there is only one way to do that: You must save. And if you want to save regularly and well, you should put a portion of your income into savings first -- before you spend it on anything else.

Making the conversion from a spender to a saver isn't easy. It takes more than simply reading this issue of our newsletter and saying to yourself, "Yes, that's true. I know that." It takes commitment and the discipline to follow a carefully articulated savings-and-investment plan over time.

The first thing you need to do is decide how much of your income you will "pay yourself first." That number, as Clason suggests, should be at least one-tenth of your income and can be "as much as you are comfortable with."

And it has to be done consistently with each and every paycheck and every time you bring in any extra income.

"If I set for myself a task," Arkad says, "I shall see it through. Should I say to myself, 'For a hundred days as I walk across the bridge into the city, I will pick from the road a pebble and cast it into the stream,' I would do it. If on the seventh day I passed by without remembering, I would not say to myself, 'Tomorrow I will cast two pebbles which will do as well.' Instead I would retrace my steps and cast the pebble. Nor on the twentieth day would I say to myself, 'This is useless. What does it avail you to cast a pebble every day? Throw in a handful and be done with it.' No, I would not say that nor do it. When I set a task for myself, I complete it. Therefore, I am careful not to start difficult and impractical tasks, because I love leisure."

That is a profoundly important point. You want to make "paying yourself first" a regular habit -- because until it becomes a habit, it is a chore.

The purpose of wealth building is not the acquisition of wealth itself but the power and peace of mind it can bring you. Unless and until you make paying yourself first an automatic part of your day-to-day routine, you won't enjoy those benefits.

Pay yourself first. Invest 10% . . . 20% . . . 30% of your income, as you get it, and within a relatively short amount of time (two years, three years, or maybe five years, but certainly not longer), you'll experience a complete change in the way you think about money.

You'll no longer count your wealth by recounting your possessions. You'll see your material trappings as what they are -- toys that give you temporary pleasure. And you'll begin to see your savings/investment nest egg for what it is -- a true measure of your potential to live life to the fullest.

Once a year, I spend a few hours taking the pulse of my financial health. I add up my assets, deduct my liabilities, and come up with a figure that represents my personal net worth. You should do the same – each and every year.

When that's done, I deduct the combined value of my home, my car, and any other thing that I know I will want to keep and use even in a state of retirement or semi-retirement. After that figure is subtracted, I arrive at a number that represents my net savings -- that is, my savings minus any debt.

This figure is the basis for passive income -- money I can make without actually working. And this figure is the number I am always hoping to increase, because it determines how well I will be able to live if I'm forced to (or simply decide to) stop working.

I count only the investment pool that can generate income -- "the slaves and their children," to use Clason's terms -- and my objective is for that income to be sufficient to pay for my lifestyle even if my active income dries up completely.

Working as a financial planner/advisor, it's easy to see why many people arrive at middle age with little or no savings. They have worked long and hard in various professions and at times have enjoyed incomes well above average. But when I sit down with some of them to construct a personal balance sheet, it becomes painfully clear that, in careers that spanned 20 years, many of them had not managed to achieve a positive net worth.

Yes, they had good reasons -- business setbacks, family demands, unexpected health expenditures, etc. Yes, they have had their share of bad luck. But so have I . . . and so, probably, have you.

We are all apportioned an equal number of hours in every day and, over our lifetimes, equal portions of good and bad luck. The trick to overcoming the vicissitudes of fortune is, as Algamish taught Arkad, to begin by paying yourself first.


Today's Action Plan:

1) Starting right now, you're going to "pay yourself first." Here's how:

2) Start, immediately, by banking at least one-tenth of your gross (not net) income.
If this means you can't pay the other people in your life (the landlord, the grocer, etc.), find a second stream of income and/or reduce your spending.

3) Be sure to save at least 10% of that second stream of income too.

4) Don't give yourself any breaks. Don't make any excuses. Pay yourself first. Stick with the plan.

5) Consider that pool of money to be your wealth. Don't count any value you have in your car, house, and toys. At least once a year, take a measure of that pool. Make sure it is deeper than it was the year before.

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Andre Janisch, is a successful Author, Entrepreneur, Consultant and the Editor of the Entrepreneur.Zone (part of the Betterways.net website). If you're tired of working for someone else and want discover new Innovative Ideas on Personal Wealth & Freedom then get your Free report called "The Complete Guide To How People Just Like You Turned Their Interest, Hobby or Passions Into a Kick-Butt Profitable Business" by visiting http://www.betterways.net today!

Tuesday, August 31, 2004

Financial Freedom is just around the corner

You know, being Financially Free really is a great feeling.

You're probably thinking you already knew that and before it happened to me I thought I did too.

You see, something I didn't realize happened the moment I didn't have to go to work for someone else anymore. It was waking up every morning with this absolute feeling of Joy knowing I was free. I don't care what anyone says, you have no comprehension of what it's like until you actually experience it yourself.

Freedom - what an incredible gift!

The greatest thing about being Financially Free is that you can finally do the things you really want to do. Imagine if you had enough money coming in every month to pay your bills without having to go to a job to earn it, what would you do with your days?

For me it's creating the Betterways Entrepreneur.Zone and helping other people achieve Financial Freedom. I've always liked research, ideas and creativity and this website is a perfect way for me to express those interests. From the design to the graphics to the content - I get to express myself in anyway I want.

Every morning I just can't wait to jump out of bed and get started again. Everyday to me feels like a Saturday hopped up on Steroids. Not exactly the same feeling you have waking up Monday morning, is it?

Well that can change.

Financial Freedom really isn't that hard to achieve. All it takes is more money coming in every month from passive sources (money generated without you having to be there) than you have going out in monthly expenses. For most people that's only $1000 to $3000 a month. Once you've achieve that, you're Free!

How can you create passive sources of income? There are literally hundreds of ways and the Entrepreneur.Zone will give you case study after case study of ideas you can use. But for right now here's an example:

Rental Income - You could have a 5 bedroom house with a mortgage costing you $1200 a month. If you rent each bedroom out to active healthy independent seniors citizens who share the house at $600 each you would have $3000 of income and $1800 in profit every month.

$1800 a month is what a lot of people make in a month working at a job. You'd be making it passively, sitting on your butt.

If you want other ideas of what you could be doing to create Financial Freedom for yourself, become a member of the Entrepreneur.Zone and find the right idea for you. Every week we add new case studies so if you don't see anything you like you will soon!

Click Here and sign up today!

Monday, August 23, 2004

Why not choose Making Profits instead of a new job?

If you're not making enough money at a job you're working at, what are your options?

When I ask that question to people I meet, 80% of them typically come back with these answers: Ask for a raise; try for a promotion; find a new job; train for a new career and then find a new job; work a second job.

Hmmm...seems reasonable except for one thing. If it's not a commissioned sales position, you're most likely going to find that you just hit a new limit to how much you're being paid. It's not likely to go much higher for a long time. And if you're like a lot of people, that extra money soon becomes spent on other things like a car, boat or a really cool vacation.

Or on raising your kids - you know how expensive it can be to have a family these days.

Speaking of families, I just finished reading an article by Stacey Bradford called "Time to Dust off the Briefcase" about stay-at-home parents getting back into the workforce. You can read it here by
clicking here (hopefully the link will still work by the time you read this).

Now I really liked the article because it offers some great ideas on helping you get a job. But my thought is, why not get rid of the constraints a job puts on you and and use her advice for creating profits instead? What I mean is that if you "Keep Networking", "Set Up a Part-Time Consulting Gig", "Do a Little Pro Bono Work," and "Educate Yourself" you've already done most of the ground work for your own business.


Then it's only a small step to actually launching it fulltime.

If you're not sure if you could ever run your own business, then you've to take a look at what kids are doing with their own companies these days. If a 13 year old girl can make $60,000 a year while going to school fulltime - then you certainly can! Just check out the Entrepreneur.Zone and find all kinds of inspiring case studies you can duplicate.

Saturday, August 21, 2004

The Launch of a Better Blog

Well it's official, the Betterways.net weblog has begun.

It's certainly going to be an interesting journey as we endevour to bring to people our view of how to make a living without slaving at a job everyday.

Now a job is a good and rightous thing, especially if you need the money to pay your bills. But what most people seem to forget is that the wages or salaries they're paid are limited. That's why you never see anyone getting rich when they work for someone else. Why else would anyone work 40 or more years of their lives at jobs they don't particularly like?


What's the solution? Forget trying to earn more wages - Start creating profits instead. Realistically, wages are only ever going to cover your bills and not give you the lavish lifestyle I know you really want.

Profits, on the otherhand, have no limits and you don't have to quit your job to start creating them either. It's as simple as buying something at one price and selling it for a higher one. That's how every business operates in the world. It's also why the people who have a lot of money are the very same people you work for.

There are so many opportunities out there to make profits it's seems incredible to us that there aren't more people out there taking advantage of them. So that brings us back to why we have this blog in the first place. Our first recommendation has got to be the Entrepreneur.Zone the place that will show you some ideas that might blow your socks off - head over there and see what we mean http://betterways.net/ezone.html.