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No Job? No Money? Do You Know The Myth Behind The Phrase, "You Need Money To Make Money?"
You need money to make money has to be one of the oldest business myths around. It's usually touted by people without money as their excuse as to why they never hit it big. You've heard these excuses and others;
I would have made that deal, but I just couldn't come up with the money.
I knew that was going to be a big thing, but I just didn't have the money to get into it.
I have a great idea for a product that will make millions, but I just don't have the money to get started.
I could have bought that property a few years ago for half of what it's selling for now.
I would have been my own boss, but I just wasn't able to come up with the money I needed to make it happen.
Only rich people make money, poor people just stay poor.
You have to have money to be able to start your own business, manufacture a new product, or begin a new service.
Hogwash, to all of those and all similar excuses.
People who use these worn-out excuses are just kidding themselves. They aren't as bright as they think they are, they don't know everything, and they're the type of people that you should avoid spending time with.
You have to learn how to become a question asker. If you are uncomfortable asking questions, forget about being in business. Business and making money is about asking questions and getting answers. It's the answers that provide the key to making the money.
Here's a simple example; Let's say your neighbor is selling his old station wagon, you would ASK your neighbor, "If I find a buyer for your station wagon, would you be willing to pay me a commission?" They'll say yes. If they say no, you're neighbor doesn't understand money, selling, or business; keep your distance.
When I was a youngster I was always looking to make money. I didn't have an allowance. If I wanted money, I had to work for it, which in hindsight helped to build my strong work ethic. I painted garages, mowed lawns, shoveled snow, washed cars, and a host of other things.
One day I met a friend of my next door neighbor who mentioned he wanted to sell a Citizen's Band radio that he had. The price was a hundred dollars, but if I found a buyer for it, he would give me ten dollars.
I found a buyer within twenty-four hours and I made a ten dollar cash commission. Ten dollars may not sound like a lot of money, but at the time of this story I'm telling you, minimum wage was only 85 cents an hour. I would have had to mow ten lawns to make that much money.
I was only thirteen years old at the time, but more important than the ten dollar commission was the lesson. The lesson was that there were ways to make money besides using your back and it paid better than what companies were paying.
No inventory, no money invested... just a little time and a couple of conversations and the money was made. Cool!
Now, I don't want you to confuse, you don't need money to make money, with needing money to put a deal together. It takes money to be in business, to start a business, to buy a house, to go to school, but YOU, don't need money. You just have to learn how to get money from somewhere else.
I would have made that deal, but I just couldn't come up with the money. This is the first excuse listed above.
Which would you rather have; zero percent of zero deals, or one percent of a big deal?
Some people would immediately say that they're not going to get involved in a deal and devote time and energy for just one percent. These are usually the people with no money, but they know everything.
What if it was a ten billion dollar deal? Let's see, one percent of ten billion dollars is only ten million dollars, but the loser only focuses on the one percent.
"I would rather earn one percent of one hundred people's efforts than one hundred percent of my efforts alone." -J. Paul Getty
If you have no money, you would be lucky to be attached to a deal like this in the first place. So, you can start with smaller deals.
Let's turn it around, and examine the excuse; I have a great idea for a product that will make millions, but I just don't have the money to get started.
I've heard this excuse and many versions of it over the years. It's all bunk.
First and foremost, all these people running around with these "great ideas" really don't have great ideas, most are bad ideas. However, you can see how marvelous it would be to run around and tell people about how you have all these "million dollar" ideas. Say it long enough and to enough people and maybe some of them will refer to you as the guy who has a lot of great ideas.
Here's the lesson that you learn in the real world. Great ideas attract money like a magnet attracts iron filings. Here's the reality, most people don't know how to take their idea to the next level, or they don't want to, because they're afraid that the discovery will be made that it really isn't such a great idea.
It may be hard to believe, but ideas aren't running after money; money is chasing ideas. To put it more correctly; Money is always looking for the best return.
Let me clarify this money chasing statement, so that you can get a better handle on it and not waste your time. We'll use this example;
You have an idea for a home based business, but you need twenty-five thousand dollars to get it up and running. You know that your Aunt has twenty-seven thousand dollars in her savings account, just sitting there.
It would be a BAD move to approach your Aunt for the money. Why? Because it's essentially all the money she has and your idea isn't proven. Expect a NO and it would be an insult to your character to even approach her.
You still need the twenty-five thousand dollars though, so you approach a Billionaire and present your business plan and ask for the money. The Billionaire will probably turn you down. It's not that he doesn't have the money, but because the deal is just too small.
Billionaires don't have time for twenty-five thousand dollar deals, because they're Billionaires. No offense, but you have to find the right pool to fish in.
I put together a manufacturing business plan for a product that I created and approached a few investors. I needed fifty thousand dollars. I can still hear the words, "That deal is just too small Lazz, if you have something bigger and meatier, give me a call." I found the money elsewhere.
You don't need to have money, but what you do need is a solid business plan that spells out what the money will be used for. Don't be afraid of the term, Business Plan. There are loads of resources to help you develop and write your plan, for free. Think internet and public library. The U.S. Government's Small Business Administration can probably give you some help in this area as well.
All a Business Plan is, is an organized, easy to read, easy to understand, and easy to evaluate written report about what it is you are trying to do. That's all it is. It's easy.
The best part of putting together your Business Plan is discovering whether or not your plan makes sense. If after, laboring on a Business Plan for your new business idea you discover that for every unit you sell, you lose a dollar, you'll have to make a choice.
You can abandon the idea, rethink it so it can be profitable, or (often over-looked) sell the idea or license the idea to someone who already is operating a similar business or a business where your idea would fit in nicely.
If you don't think there is money in putting a deal together, you're missing the point. A real estate broker puts deals together by matching a buyer and a seller and earning a commission. A brokerage company makes money by matching a buyer with a seller. A matchmaker service earns a fee for finding the right soul mate for you.
If you don't have any money and no job, you should attack the concept and practice of finding a buyer for a seller and a seller for a buyer. The slower the economy, the easier this is to get involved in, because people need to raise cash, they're willing to let things go for a cheap price... and buyers are always looking for a deal. You can provide the deal.
You can't use the excuse that you don't have any money, anymore.
You still need twenty-five thousand dollars though, don't you? This is where you go after investors. Although it would be easier to have one investor with twenty-five thousand dollars, maybe you could raise a thousand dollars from twenty-five friends and relatives, or five-thousand dollars from five investors.
The big deals involve investment bankers and millions of dollars in fees, but if you keep it small and down to just a couple of investors, it's pretty easy to do. Since I have no idea where you are right now and what your laws are, I would recommend that if you are in need of answers to investor questions; seek the advice of a competent business attorney.
Partnerships are easy. When you were a child, did you pool your money so that you could buy a candy bar or soda, rather than settle for something that neither of you wanted.
If you have a solid plan, that makes sense, is easy to understand, and doesn't demand an extreme amount of money to get involved, you're almost there. You must approach people that understand what being an investor is and how it is different from being a partner.
An investor has no say in the day-to-day, but a partner most certainly does.
From experience, I prefer investors over partners. You can buy an investor out over time, but a partner is there forever, unless you buy one another out. It's just the agreeing on who is buying who that gets a little sticky.
So what's your excuse now?
If you need money to start your own home based business or any other kind of enterprise go get it.
To review what I've been talking about;
If you see a piece of real estate that is for sale that you know is a great deal, put together a quick one page summary on the benefits of buying it, the profit that can be expected, and the time frame. Then approach someone with money who has an interest in real estate and present the deal whereby they put up the money and you partner on the deal, or they just pay you a fee for finding the deal.
Here's an idea that beats watching television. Ask around to the business owners in the area (they usually have a little money) and ask if there's anything in particular that they would be interested in buying at a good price. Tell them you have a lot of contacts and people you know are always looking to buy and sell items. He may offer you something to sell from his back room... an old copier, a vehicle, some dead inventory, a space heater, etc.
Have a garage or yard sale and gather goods from people all around who tell you the price they want and you mark the price up and keep the difference. Sure, it's a little work, but you're the one who is a little broke right now.
Sell the useless stuff around the house that can put cash in your pocket and get your home based business started. You can always find something to sell. After you make your fortune, you can buy another one of whatever it is that you thought you couldn't part with.
You can make money to make money by liquidating things you don't need, things that other people don't need, and things that people are having a hard time selling themselves.
If your million dollar idea is truly that grand, don't just dream about it. Put a business plan together, an action plan, and start talking to people about it (only talk to people who really are qualified to invest, don't waste your time with people who just want to "see what ya got").
This may surprise you, but not all good deals get done and a lot of bad deals do get done. That's just the way the system works and that system is presentation. If it looks good and sounds good... and seems to make sense, the deal has a good chance of happening.
Do not try to pull a scam with a hyped up presentation on a project that you know will never happen, won't deliver the results, or will bilk money from people who can't afford to lose it. That's just wrong and in many cases illegal.
Be ethical and fair and raising money for your second, third, and other future projects will be easier.
If you really want to start a home based business, you are now out of excuses, at least the money excuse. Re-read this article and you'll see that raising some cash to get going isn't impossible. It is and will take a little bit of time and energy, but if you're out of work, underemployed, or struggling to make ends meet... this could be the path that turns it all around.
When you start is up to you, but money never sleeps... how much you sleep is up to you. Ask yourself this question; how much is the other guy sleeping, the guy who has taken the first step to raising the money he needs to start his home based business?
Lazz Laszlo is a former Investment Executive and Radio & Television Financial Reporter with many entrepreneurial endeavors to his credit. He spends his time as an emcee, public speaker, enjoying life and writing about business, travel, retirement, strategy, and pleasure. To learn more, please visit Lazz's website; [http://www.925-wage-slave-alternatives.com]
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Numerology's Money Number - How Will You Do Financially In Life
Want to know how you can best make Money in life, how you'll do financially? Numerology can tell you how you are best suited to deal with Money in your life. We just need to find your Money number.
Calculating your Money Number
Your Money number comes from a specific branch of Numerology called Yantra or Magic Square numerology. It consist of constructing a Magic square using your birth date numbers, and then interpreting the values in the specific boxes in the square.
Your Money number is found by taking day of the month you were born on, adding (1), then reducing the result by fadic addition.
For example, actor Johnny Depp was born on June 9th, 1963; so his Money number would be calculated as follows:
Money number = (Day of Birth Month + 1) = (9 + 1) = (10) = (1)
The Money number values and their meanings are listed below.
Money Number (1)
You like complete control of your money. You don't mind some hard work as long as you are well paid for it. You may decide to work for yourself; be your own boss, in order to really control the money you make.
Money Number (2)
You have very strong intuition when it comes to decisions about money; both making it, and spending it wisely. You can tell if a proposal is good or bad even when the data suggest otherwise. Note that it may take a while for you to learn to trust your instincts.
Money Number (3)
You can talk your way to money. You have strong communication skills which you can turn to for a living. You would probably make a good salesman, entertainer, or life coach. You have no problem coming up with money making ideas, but following through on them is difficult.
Money Number (4)
You are attracted to conservative career choices. You will happily work your way up the corporate ladder to a position of trust and responsibility. You expect to work long and hard for what you get, and take pride in each stop along the way.
Money Number (5)
You are drawn to careers involving buying and selling; making deals. You love variety in your work, and will probably change careers several times in your life. You like being your own boss; and hate being coached and told just what to do in your work. You will try to find a job where you can travel a lot.
Money Number (6)
You must have a stable job in order to be happy. Job security is key for you; you dread not being employed, or having a steady income. Your actual job is not that important to you, for your family always comes first in your life. You will probably receive some kind of money from your family during your life, perhaps an inheritance of some kind.
Money Number (7)
You want to work in a technical job; one related to science or research. You love the study and problem solving involved in you work. You seldom earn great wealth from your work, for you place job satisfaction ahead of financial gain.
Money Number (8)
You are good at making money. You will either be self-employed, or hold a high position in someone else's company. You focus your energies on making money; like it perhaps too well. You need to make sure and develop some other interest in life so your work won't consume you.
Money Number (9)
You like to work for humanitarian causes and organizations. Your desire to help others can cause you to be overly generous when it comes to giving of your time and money. You see money as simply a means to an end; only having value for what it can do for people.
Money Number (11)
You can market your ideas and make money. You usually need a partner to push you to do your best work. You tend to do well in creative fields: writing, composition, or editing work. You also do well in humanitarian areas such as education and social services. You don't do well working in business or finance.
Money Number (22)
You have the ability to make as much money as you wish; provided you are working at something you believe in. You do your best work when you believe that what you're doing will benefit humanity as a whole. You can't stand to work for selfish ends for long.
Keith Abbott is the developer and owner of 'Numerology 4 You' where you can order your own Numerology reading, including your personal Lucky Numbers. Visit him on the web today at http://www.numerology4you.com
Hard Money Borrowing -- How Does It Work? When Should You Use It?
You have a low credit score ...show low income ...have no cashflow ...need cash quick to buy or renovate a property. You need hard or private money. Hard or private money lending is when a person with capital (read "cash") lends you money. This money comes with strings attached.
If you don't understand the strings that are attached when you borrow hard money -- these are the rules that hard money lenders follow to protect their loan -- you will find yourself owing so much that you will never get out of debt or make a good investment.
When you have a property that is below 80% occupancy or needs major renovation, the banks won't lend you the money, or if they do you have prepayment penalties that don't fit within your flip or refinance plan, thus eating up your profit. You need the money to purchase or renovate a home or property quickly.
The first thing to know is that the "hard money lender" doesn't emphasize your "creditworthiness" since they are making their decision to lend based off the VALUE OF THE ITEM as collateral and NOT your ability to repay.
The second thing to know is that hard money lenders will typically only lend up to 70% MAX of the current AS IS value of the item or property; they don't lend 100% because that is how they have plenty of equity to protect their loan should it go into default.
The third is if you understand the unspoken rules of hard money you can negotiate terms and interest rates. The hard money lender looks at you as a smart way to earn passive rates of return well in excess of typical stock funds with MUCH LESS RISK.
To play the Hard Money game, it is important you follow these rules closely.
Rule 1: Learn the secrets to hard money lending so you can better get funds from a lender if appropriate, and b) so that someday when you have the excess capital, you can tap into this simple way to generate great rates of return with very little risk or effort.
Rule 2: Know what due diligence and work you need to do before you ask to borrow the money or you will pay more than you need to.
Rule 3: Pay the hard money lender back as scheduled; you will have a great source for future money.
Because this is easy to get money, you pay a premium for the money.
* First you pay higher than conventional interest rates. Currently anywhere from 12-20% is pretty standard.
* Next, you may pay 5-10 "points". (A point is equal to 1% of the loan amount and is an extra profit center for the lender charged to the borrower for the privilege of borrowing the money. Isn't life grand to be a lender?)
* Finally, some hard money lenders have "pre-payment penalties" in their loans of 6 months interest if the loan is paid off within 12-24 months.
Again, the reason you are glad to pay this extra amount is because the loan is easier to get than a bank loan and you can get more money quickly, allowing you to do a deal you otherwise couldn't.
For example, if you lock up a $200,000 house for a price of $110,000 we'd all agree that's a great deal. Now you go to a BANK to borrow the $110,000 and what's the bank going to say? "Where's your down payment?"
Even with $90,000 of equity to potentially protect the bank, they will only lend on the purchase price or appraised value, WHICHEVER IS LOWER. In this case, they'll only lend based on the $110,000!
However, a hard money lender is more than happy to lend up to the 60-70% of the $200,000 as is value.
And this is why you will often turn to them for short term loans to buy a property they plan to resell or refinance fairly quickly.
That said, you need to think like a hard money lender.
Inside the mind of a Hard Money Lender
To maximize your opportunities with Hard Money Lenders, you would do well to learn to think like them. These are items the lender will be evaluating:
* Seasoned hard money lenders only lend based off DEFINITE CRITERIA and not off of emotionally influenced relationships.
* Lend up to 70% of the As Is value (including points, money borrowed for repairs, etc.) MAX! (On upper end homes in an area, I'll only lend up to 60-65% of the as is value depending on the area.)
* Have the property professionally inspected by an inspector the LENDER hires and "pays" for (which he will add into the money the borrower owes him of course.)
This keeps the lender safe from an investor making mistakes on the purchase and lending on a house with a serious flaw. The property is the lender's security.
* Be sure your borrower has calculated in the cost of all the large capital items needed (along with a contingency fund for the unexpected) and KNOWS what they're getting into.
* Always get a lender's title insurance policy. Make sure the title company you work with for closing gets a lender's title insurance policy. As you would expect, the borrower will pay for this policy. If there is room, this is typically added into the loan principal balance.
* Give the borrower 1/4 to 1/3 of the repair funds (less than that if it's a lot of money) at closing. Then, the remaining balance is released from escrow as the repairs meet pre-set milestones.
* When lending based on the loan as collateral, get the borrower to sign on the loan both in a corporate AND personal capacity.
Is hard money the right financing plan for your next project? Do your due diligence to ensure whether it is -- and make extra profits on deals you'd otherwise have to pass on.
Sharlet Briggs is a real estate entrepreneur who coaches beginning and seasoned investors to profit through real estate cashflow.
Prior to establishing her coaching business, Success Keyring, Sharlet spent multiple years as a real estate investor, a real estate agent and certified property manager. She has coached celebrities and individuals within the United States and Internationally.
Success Keyring offers a wide range of programs and services – from residential, including foreclosures & mobile home parks, to commercial real estate, unlocking the secrets to real estate including where to find money for deals. The coaching program specializes in Investors who want to duplicate the success of others and step up their level of investments, such as entering the foreclosure market or moving from residential to commercial.
Contact Sharlet Briggs at Success Keyring [http://www.successkeyring.com]. Purchase hard money educational audio CD's at www.HardMoneyMasterKey.com.
niedziela, 17 października 2010
Where Does The Money Come From
The one question nobody asks. And the one driving force that more than anything else defines the sad state of the world today.
The sad fact is, nobody (apart from a very few) actually knows.
But there are a few things that we do know. We know that the money supply has been increasing world-wide at around 7.5% per year. We know that local governments do not create any of this new money. We know that all new money is issued by the banking system as interest-bearing debt.
This truly is a curious state of affairs. Someone somewhere is creating all this new money out of thin air and selling it to us through the banks at high interest. We don't know who they are. We don't know if they are interested in our well-being. We don't know if they give a hoot for our children. They might even be aliens bent on taking over the earth, for all we know. And whether they are aliens or not, that is exactly what they are doing.
Trillions of dollars worth of new debt is created each year around the world. All this debt is sold through the banks at high interest, in exchange for negotiable securities like mortgages, debentures, personal guarantees and the like. All this new money originates from outside our governments' sovereignty and control. It may all originate in cyberspace. And no one has any means of tracing it to its source.
And yet year after year, governments everywhere continue to play this rigged game; a game in which someone high up in the world banking system always wins and the borrowers always lose. And it is government itself (ignorantly perhaps) that continues to deal these winning hands to the bankers.
All new money enters the system as interest-bearing debt. So the first prerequisite of new money issue is demand. There must be a willing borrower. Now ever since "money" was invented, there's never been enough of the stuff. Very early on, a few wily goldsmiths/bankers cottoned on to the Fractional Reserve System, whereby paper notes purportedly representing real gold were seen to require only a fraction of their value in gold deposits. This allowed them to begin multiplying their own "paper" money many times greater than their actual resource backing.
When Kings and Princes began borrowing this dubious new money, the stage was set for the present highly questionable tax system to take root. As governments were forced to repay debt on money that was actually created out of thin air by the bankers, they begin to rely more and more on tax payments from their subjects as a way to repay debt. Thus taxes were not designed to fund services. Rather, they were designed to service debt.
Which brings us to our present state of affairs, whereby taxes have little or nothing to do with "funding" government services; except by an illusionary connection. The only thing that can fund government in a sustainable sense is an actual surplus created in private sector commerce. And even on the face of it, punitive income taxes destroy private incentive to produce, create, save and invest. Thus the only connection is a reverse one. In other words taxation destroys the sustainable government funding base rather than supplying it.
So there you have it. Taxes create a shortage of wealth and money in the private sector, forcing individuals and businesses to borrow from the banks to replace that "stolen" by government taxes and government incompetence.
Local banks use our security documents to create mortgage bonds and other financial instruments through which they can borrow amounts far in excess of their actual deposit holdings from "offshore" sources. It is these offshore entities who actually create our "new" money (the new money we have been forced to borrow through taxation) out of thin air.
Once our loans have been repaid, the local banks are able to profit on the interest differences times ten or more, giving them plenty of incentive to keep quiet and keep the present system going.
But the real power rests with those anonymous individuals in cyberspace who create all this new money out of thin air. Once their loans are repaid (by the local banks), this new money is beautifully "laundered" allowing them to then purchase controlling interests in all the most profitable multinational businesses including strategic infrastructure, pharmaceuticals, petro-chemicals, telecommunications, transportation, armaments, and of course the media. And that's precisely why you have never heard this before.
But there's more.
We know that the world economy has been expanding at around 3.5%-4% per year, and that average inflation rates are roughly similar. So, not only are these offshore bankers creating new money (7.5% per year) against a growing wealth base (3.5% per year), they are also creating money for pure consumption, enslaving consumers with debt, and forcing our hard earned money to lose its value at a rate of around 4% per year. This is robbery by pickpocket, picking up the loose change after the bankers have already ransacked our homes.
But there's more.
We know by reading the history books that early Kings and Princes borrowed from the money lenders to conduct exploration, colonization, and war. Today, governments are still trying to colonize and take over others' territories, or are trying to take back what has been lost. And of course there is the ongoing competition for world oil reserves.
So, whenever there is a new challenge or a new opportunity for government to colonize, or to overcome some challenge, taxes inevitably go up. And this plays right into the hands of the money lenders, as it always has. Throughout history this has lead to an ongoing temptation for the moneylenders to create havoc and mayhem at every opportunity. Taxes and/or government borrowing inevitably follow; gifting the money lenders yet more opportunity to create cash out of thin air, and steal more precious ownership rights from we mere mortals through debt slavery and inflation.
Anyone who has seriously studied history will see the bankers' threads woven 'round and through; including the Russian Revolution, World War 1, Hitler's rise to power, the Second World War, the establishment of Israel, the Korean War, the Vietnam War, "Desert Storm", and the coming war with Iran.
Throughout history assassinations and "False flag" operations undertaken by "anonymous" individuals have signaled more warfare, more death, more destruction, and taxes; and more profit for the bankers. Even 9-11 bears all the trademarks of conspiracy. Could all this be by the hidden hand of the bankers? If it is, it's all because of taxes.
We really have only two choices.
First, turn a blind eye until the bankers own everything and control a one world dictatorship in which we will be mere wage slaves.
Or end all taxation and empower our own governments with the right to create new interest-free money proportional with the growing economy.
Your choice. It's really not that difficult to choose, is it?
Carl Peterson may be the foremost world expert on world economics, being the first to recognize the direct links between taxation, usury, environmental destruction, ongoing warfare, and the diabolical way all new money is created by a well entrenched banking monopoly. His recent book describing a no-tax alternative, "The Zen of No Tax" is available through his personal website http://www.carlpetersononline.com
The End All Guide To Affiliate Marketing And Making Money Online For Future Clickbank Webmasters
Firstly, know that this article is not a comprehensive "welcome to affiliate marketing" guide. I will not spend much time going over the basics, but will spotlight the actual methods you need to make money - with a bit of pertinent background to help you understand the reasons behind these methods. You beginners will find this information invaluable and stimulating. You practiced marketers will find this information accurate and refreshing, while also discovering some astonishing new ideas to employ in your everyday endeavors. So, let's continue.
Almost everyone that makes money on the internet (even the millionaires) do so through affiliate marketing. Affiliate marketing is a means of promoting web businesses in which an affiliate is rewarded for every visitor, subscriber, customer, and/or sale provided through his/her efforts. Compensation or commission may be made based on a certain value for each Impression (CPM), click (Pay-per- click), registrant or new customer (Pay-per-lead) or (Cost-per-Acquisition / CPA), sale (usually a percentage, Pay per sale or revenue share), or any combination of them.
In very short English; there are literally hundreds of thousands of affiliate programs on the web featuring tens of millions of products ranging from magazine subscriptions to life insurance and every conceivable thing in between. An affiliate is essentially a salesperson whose job is to send people to a merchant's website. When a predetermined "action" or sale is made, the affiliate is paid a commission. It's the same as being a salesperson in retail, only online. I will teach you more about the actual application of affiliate marketing later in this chapter.
Compensation Models
Another important attribute of an affiliate program is its' compensation model. This may have an impact on which advertisers you decide to join and how you go about promoting them. It will surely have an impact on how much money you will make. Here is a breakdown of the various compensation models that affiliate advertisers utilize.
Pay-per-impression (PPI) / Cost-per-thousand (CPM)
Cost-per-mil (mil/mille/M = Latin/Roman numeral for thousand) impressions. Publisher gets from Advertiser $x.xx amount of money for every 1000 impressions (page views/displays) of the ad. The Ad can be text , rich media, but in most cases, the ad is a banner running across the top, or down the side of a website.
Pay-per-click (PPC) / Cost-per-click (CPC)
Cost-per-click. Advertiser pays publisher $X.XX amount of money, every time a visitor (potential prospect) clicks on the advertiser's ad; it is irrelevant (for the compensation) how often an Ad is displayed. Commission is only due when the Ad is clicked. The PPC model is used by Google AdWords, Miva and other providers. These are the ads that you see running along-side search results and many web-pages out there.
Pay-per-lead (PPL) / Cost-per-action/acquisition (CPA) / Cost-per-lead CPL)
Cost-per-action (CPA). Cost-per-Lead (CPL). Advertiser pays publisher $X.XX in commission for every visitor that was referred by the publisher to the advertiser (web site) and performs a desired action, such as filling out a form, creating an account or signing up for a newsletter. This compensation model is very popular with online services from internet service providers, cell phone providers, banks (loans, mortgages, credit cards) and subscription services.
Pay-per-sale (PPS) / Cost-per-sale (CPS)
Cost-per-sale (CPS). Advertiser pays the publisher a percentage (%) of the order amount (sale) that was created by a customer who was referred by the publisher. This model is by far the most common compensation model used by online retailers that have an affiliate program. This form of compensation is also referred to as Revenue sharing.
Pay-per-call (no abbreviation exists yet)
This is a new compensation model. No official abbreviation exists yet. Advertiser pays publisher a $X.XX commission for phone calls received from potential prospects as response to a specific publishers' ad. Recently developed call-tracking technology allows to create a bridge between online and offline advertising. Pay-per-call advertising is still new and in its infancy.
Choosing a Model:
As you can see, there are advantages and disadvantages to the various compensation models. This can (and should) be decisive in your selection of which affiliate program to join, but depends largely on what you are promoting and how you decide to go about promoting it. For example, the paid surveys program Survey Adventure, pays out an extremely high $4.50 per double opt-in lead (CPA). The action; signing up with the company is free, so obviously, the program converts very well, but you must provide many leads in order to make a substantial amount of money. The real money is in pay per sale programs (PPS). If you have a good product and a sound marketing plan, the money will come.
Affiliate Marketing & You
There are many other aspects, facts, advice and information that I could share with you on the subject of affiliate marketing, but we don't want to get too far into it. So I will briefly cover a couple of subjects quickly that apply to what I feel you will actually need to know and what you will be employing in your money-making endeavors.
Web 2.0
The rise of blogging, interactive online communities, article directories, simple web sites and other new technologies and are forming the new Web 2.0. These new technologies have impacted the affiliate marketing world in a very big way. Creating a presence online used to take months as well as a number of trained professionals. Nowadays, it is quite possible for newcomers to (by themselves) "set up shop" literally overnight and with very little experience. Also, this new media allows merchants to get closer to their affiliates and improved communication between each other. What this means to you, is that you can be on your way to becoming a super affiliate master as soon as you finish this guide!
Trademark Bidding / SEO
Affiliates were among the earliest to adopt Pay-per-click advertising when the first PPC search engines. In 2000 Google launched their PPC service AdWords which is responsible for the wide spread use and acceptance of PPC as an advertising channel. Since then, a large number of advertisers have adjusted their affiliate program terms to prohibit their affiliates from bidding on those types of keywords. Though we will not go into PPC Marketing, you must understand that some trademarks, such as the term "eBay" are heavily restricted because of this.
One area that has not been hit by new restrictions is SEO or "Search Engine Optimization". Later, I will be teaching you how to create profiles that will trick Google and other search engines into indexing them as relevant websites and list them in top search results. Sign up for AdWords and Miva. I will show how to use these later in the guide.
Why Affiliate Marketing
Affiliate Marketing is driven by entrepreneurs who are working at the forefront of internet marketing. Affiliates are the first to take advantage of new emerging trends and technologies where established advertisers do not dare to be active. Affiliates take risks and "trial and error" is probably the best way to describe how affiliate marketers are operating. This is also one of the reasons why most affiliates fail and give up before they "make it" and become "super affiliates" who generate $10,000 and more in commission (not sales) per month.
You will not earn the right to call yourself an affiliate marketer overnight. You will have to work (relatively) hard and innovatively to make the kind of money that you want, but know that if you do, the rewards are very large and there for your taking. Never give up!
Affiliate Networks
Very few publishers handle their affiliate programs in house. Most affiliate programs are set up and managed by large affiliate networks. Most of my affiliate programs are set up and maintained by the affiliate network ClickBank, which is the largest affiliate network on the web. Some networks do not have qualification criteria, but most do.
The majority of this online guide will focus on marketing strategies for ClickBank affiliates, but here is a short list of the top affiliate networks that all of the professionals belong to and you should apply to.
The "Big 4" Affiliate Networks
ClickBank connects over a hundred thousand affiliates with thousands of information product vendors offering a huge array of downloadable products, mainly eBooks. Because it is cheap and easy for merchants to join, the quality of the products provided can vary. ClickBank is also a great place to search for unexploited niches.
Commission Junction (or "CJ") is another very popular affiliate network. CJ brings together affiliates and product vendors, but also offers physical products for its affiliates to promote. CJ has many large brand names on its site, and is very well established. It is free to sign up, but most vendors are selective of who represents them.
LinkShare features more than 600 merchants. You'll find mostly big name and well established companies, such as Wal-Mart, Foot Locker, and Apple iTunes. Merchants are selective in representation!
Performics is a highly professional site with very well known brands. Performics' clients include: Orchard Bank, Office Max, Activa Sports, Barnes&Noble, Fossil, and more than 200 other big name, big business advertisers. Performics is owned by DoubleClick. Armatures need not apply, but may try.
Getting Paid By The Networks
Most affiliate networks require that you reach a "payment threshold" before they will release your first payment. While the amount usually varies from network to network, exactly how they pay you is pretty much your choice. Your three choices that you have are Check via mail, Direct Deposit and PayPal. I do not like to wait for checks so I set most of my accounts to direct deposit on payday. You may set your affiliate accounts to deposit your earnings directly to the card. This saves you the week of delivery time on the checks and the two week waits for the out of state checks to clear.
PayPal is also a great option, but not all affiliate networks offer payment via PayPal. It works exactly like direct deposit. Just check your account on payday to find the money there. You may also set up a merchant (business) account like I did so that you can get a PayPal Debit card. Again, it works just like a bank. Oddly enough, when I applied for my card the interest that I was (and still do to this day) earning on my money was higher than any bank I have ever heard of. Almost up there with CDs, but that's another story.
I like to set up my finances this way so that I always have affiliate earnings separate from the other earnings that I associate with my normal bank accounts. Also, when Uncle Sam asks me about my income at the end of the year, I don't have to worry about gathering paystubs or the like. I can just print out my account history for two accounts. Really, how you get paid is up to you, but as far as I know, fast and free is always better.
ClickBank & CJ
ClickBank connects over a hundred thousand affiliates with thousands of information product vendors offering a huge array of downloadable products, mainly informational eBooks. Because it is cheap and easy for merchants to join, the quality of the products provided can vary. ClickBank is also a great place to search for unexploited niches.
Why ClickBank
If you are wondering what an "information product" is, you have one in your hands (or at your fingertips) right now. Information products include e-books, video tutorials, audio teleconferences, software, etc. - fundamentally anything that comes in a digital form.
To keep it simple; the first thing that you will do is sign up with ClickBank, get a free affiliate account and look for products you want to promote. Whenever you get a sale, your account is credited with your affiliate commission and checks are mailed out every two weeks (once you break the small minimum sale threshold).
The reason that ClickBank is so popular is the large commissions. Since ClickBank specializes in information products, the product vendor's costs are minuscule and large commissions are passed on to affiliates - often as much as 50-75%. In most cases, it is far easier to make a lot of money online earning 50% of a sale than 5% of one (which is what you will get with many products on other networks such as Commission Junction and LinkShare). For these reasons, the majority of this guide will be focused on strategies for ClickBank affiliates.
ClickBank Marketplace
One section of ClickBank that you will be visiting frequently during your time as a marketer is the ClickBank Marketplace. The ClickBank marketplace lists the products that are currently being sold by publishers. Once you have found a product that you would like to promote, you simply enter your ClickBank name to receive your hop-link. This will track your sales.
When looking for a product to promote, you are going to base your decision on results of your target market criteria. You may for example, click on "money and employment" and search for "Make Money Online", in which you will find too many results to count, but of course you can narrow that down to your target market by being more specific. Search for something like "Affiliate Marketing Beginners". Once you have a list of potential products you will be searching for products by the following important factors:
$/Sale: The amount of money (minus refunds) that network affiliates have earned per sale in the past.
%/Sale: The percentage of profit that is paid to affiliates per sale. Most product vendors at ClickBank pay 25% to 50%. Most vendors looking to sell a lot of their products pay 75%, regardless of quality or other factors.
% Referred: The percentage of product sales that were generated by affiliates rather than the vendors own promotions.
Gravity: Gravity in short represents the popularity of a product - (the amount of affiliate sales have been made recently). Just because a product may be more popular than the other does not necessarily mean that the product is making more money for its affiliates.
The products are arranged by their popularity. You may review the above factors as well, so you can click on the product title to have a look at the "pitch page". You may find something you like and decide to promote it as an affiliate.
What To Sell
There are a many "gurus" out there that will all tell you how to promote the most popular products on ClickBank, but the truth is that not too many of them have anything great to share. They will tell you about AdWords, article writing and scamming people into buying the highest priced products you can find, all of which will cost you quite a bit of money to get started. AdWords alone these days costs a fortune to "play" in.
Here is what I say you need to do. Don't try to go onto ClickBank and find the highest selling products to promote. Find something that appeal to your target market. Believe me when I tell you, that you can find products on ClickBank related to anything and everything, all offering affiliates great commissions.
A great example would be the World of Warcraft player's niche. This game has got to be the most massively multiplayer game in the world and one of the most popular. Personally; I think that it is for geeks, but many of my college friends enjoy playing it, ahem, "living it".
When you search ClickBank for "Warcraft", you will find quite a few good products and about four that I would consider "great". (Update: What was a "few" products are now a few pages of them. These things must be selling.) When you search Google for "Warcraft", you get 10,610,000 results. On the popular social network Myspace, there are more than 3124 Warcraft groups, with the top group featuring 40,000 members.
This goes to show that with a minimal amount of research into a niche with ClickBank, you cannot go wrong. I was quite literally going to save this niche for myself and use a different example for this, but then I started to feel greedy and I want this method of marketing to work for you. So, if you are the first one reading this guide, you already have a head start, but don't be surprised to find this niche swamped soon after.
Commission Junction
Commission Junction (or "CJ") is another very popular affiliate network. CJ brings together affiliates and product vendors, but also offers services and physical products for its affiliates to promote. CJ has many large brand names on its site, and is extremely well established. It is free to sign up with the network, but most vendors are selective of who represents them. Most often, a website with substantial targeted traffic is a requirement of vendors.
Instead of a "marketplace", Commission Junction arranges its advertisers in its "Advertiser List" and you may only promote advertisers once you have been approved to be one of their "publishers" which is what CJ calls its affiliates. Below is a list of the paid survey advertisers that I work with. Notice how there is a "date accepted" column? This goes to show that I grew my business relationships over time.
Network Earnings: which is like ClickBank's $/sale feature and represents the amount of money (minus refunds) that network affiliates have earned per sale in the past.
$/Action: Like ClickBank, many products on CJ offer a percentage or dollar amount that you earn per sale of a product, but with CJ you may also sort by the amount earned per lead and click (CPC and CPA).
EPC: Commission Junction also has a few different ways of representing the popularity of an advertiser. The most important of these is done by showing the "EPC" or "earnings per click" ratio which is represented by how much money is earned on average per 100 clicks. So a 7 day EPC of 24.69 which is the case of Greenfield Online means that in the last 7 days of 8.9 of the last 100 visitors to the site, have signed up with Greenfield and the referring affiliates have made money. That may not sound "great", but in the world of affiliate marketing, it's ok.
What To Sell
Just about all of the advertisers that I work with via Commission Junction employ the CPA compensation model. One of the most popular markets both on Commission Junction and among web-surfers right now is paid surveys. Because CJ offers the option of CPA, a great number of survey companies have signed up with them.
Commission Junction has some of the best converting free to join CPA programs on the net such as the paid surveys program Survey Adventure. It pays out an extremely high $4.50 per lead (CPA). Once again, this is a high converting program because sign up with the company is free. It may seem that $4.50 is not a very high payout. That's true to an extent. You may have to send a good amount of traffic to this company to see great results. With CPA the desired action that you want your visitors to complete is free for them, so the profits should come quickly.
But Remember Your Target Market
At first glance, it may look like the Network Earnings should be the deciding factor in what you will promote, but I assure you, it is not. Your target market should always be the deciding factor in what you decide to promote. Because paid surveys are so popular among college students, such programs convert very well.
Once again, you really need to do just a bit of research to find out what will appeal most to your target market.
For Newbies: The Easy Way To Get Into Affiliate Marketing
I am not going to get into this on an in-depth level. I am just going to say it; and you had better remember it. The best way to make money selling ANY product or service of someone else's is to pre-sell it and the best way to do this on the web is by creating a simple website that may consist of no more than a presales page. It is probably the simplest and most effective one webpage in any webmasters arsenal. Often in a "product review" format which has become wildly popular ever since the release of a number of short and sweet eBooks. The presales page can often take on many other formats such as customer testimonial, anti-scam and programs database page just to name a few. In the end, all of these are simply teasers of a product or products that are so effective, a visitor cannot wait to purchase the product(s) that you are promoting. I am not claiming this to be the only method of selling, just the most effective for you.
Now a great many "gurus" would like to take credit for the key components of an effective sales-page, but the methods and theories of pre-selling have been around longer than computers. It's just a matter of bringing them to the attention of potential webmasters while teaching how to easily implement them, so, here they are, the key components of an effective website:
The Attributes of A Successful Website
Give Visitors Hope: Every single day, people buy things. If what they buy is not meant to simply keep them alive, such as food, the product that they buy is meant to improve their life in some way. They hope that buying "the next best thing" will lead them to "the next best stage" in their lives. Take you for example. You are reading this in the hopes that you may apply the methods I am showing you to make money on the internet; and this money would undoubtedly improve your life. Here's a shocker: Why do you think I wrote it? Because I want to make money and build a name for myself by helping others make money online, thus, improving my life.
I have found "how to make money" informational products to be the best selling on the web, but there are many products that this can apply to. Even in a not so life altering sense. I recently saw a offer where users can "download a vast array of media and games ready to be played on the iPhone" and it was selling like crazy. I don't care for the "locked" iPhone or Apple for that matter, but the thing insanely popular among the techies and status seekers. Anyway, these people are hoping that this product will give them an entertainment on the go, thus improving their commutes or whatever, and in some small way, their lives. When you create your presales page you will feed on this need for hope. If you decide to take the product review approach, tell visitors how "your" product is so much better than the others. If you go with the customer testimonial format; (which I suggest if you decide to market ProfilesToProfits), tell them how this product has changed your life and how it will do the very same for them.
Create Urgency: In my experience, both personal and professional, the average web browser has the attention span of a goldfish. To combat this problem, a great presales page must create a sense of urgency in the visitor. Let it be known that for whatever reason, the visitor must continue to stay on your page, read the entire thing and when they finish, they must buy your product because if they don't than they are missing out on the one thing that could have changed their life forever. Did you see that? I just tied in this urgency with the first component of a successful presales page and in doing so; I have both created more hope and a more effective sense of urgency.
Many people try to do this by putting discount deadlines on their products. "Buy in the next ten minutes and blah blah...." this coming from the supposed "pros" and "gurus". Click the back button, and then the forward button to see the same deadline. People see right through this these days. It is content that creates urgency. It is the manner in which you present your product and how you play on the many factors of an effective presales page. Once again, you must create the impression that they must buy your product because if they don't than they are missing out on the one thing that could have changed their life forever.
Be an Authority: Appearance is everything. Whether you know anything about your product or not, you must appear to the visitor as the most informed, educated and trustworthy person regarding this product on the face of the earth. You will NEVER sell a product using the presales page format if the user feels that you do not know what you are talking about. Study up on your product, use this product yourself. Turn yourself into the one person to talk to regarding this product. If that is too much work, find somebody who knows what you ought to and pay them to help you appear as an expert. I cannot stress this enough. This may be the most important piece of the presales page puzzle. If the visitor thinks that you are and idiot or that you don't know what you are talking about, they will not buy from you, unless of course, they are an idiot!
Optional Components
The first three components of an effective sales page/website are not optional. If you decide to build a website and you do not factor these components in, you will not make it online. You will fail. Below are a few optional components that you can add to your website. Sometimes these components will work for you, other times they will not, so think hard on whether or not implementing them will ultimately benefit your cause, or hurt it.
Appear Unbiased: This is the most effective way of gaining a visitor's trust second only to your being an authority on the given topic. Most of the time, appearing unbiased is a tactic used by database sites. I recall a site that I went to when I first became interested in affiliate marketing (I was 16). It was a database of products to sell online. At the time, it just looked like a database. I later found that just about all of the programs listed were multi-level-marketing schemes, which means that if I signed up with one of the programs that was on this site and made a sale, the owner of the site would make money as well. No, there is nothing wrong with this. MLM is far from a scam as many like to slander. The ones who give it a bad name just suck at it.
Back to the point; If a visitor comes to your site and becomes under the impression that you "just want to help", they are far more likely to buy from you than if have a sales pitch at every turn. Review a product or products. Set up a product database. Help people avoid internet scams (you will read more on that next). Do whatever you must to make it look like you are their helpful friend. They don't have to know that you will be making a commission from a purchase that they make.
Strike Fear: This is another tactic that has gone mainstream since the release of "The Rich Jerk" and works best when used to promote products that belong to a saturated market, such as the "how to make money in real estate" eBook market and I have found it to be terribly overdone lately, especially by users of Google AdWords and other pay-per-click methods of promotion.
The idea here is that you are out to convince people that there will be tribulation down the road for them if they decide to go with any product besides yours. Most people who endeavor this plan have simple anti-scam websites that consist of no more than a page or two describing the horrors of a particular market. They tell visitors that there are so many scams out there that they should not sign up for any program, unless of course, the visitor signs up for the one(s) that they are promoting (which pay the largest commissions).
My name is Jason Stilwell, a business and marketing student in the beautiful State of Michigan. I started MoneyInCollege.com with the sole purpose of showing students worldwide simple, fun and effective ways of making extra money in college and to connect you with others who share in this interest.
Through affiliate marketing, I have worked my way up the ranks. Once a small time advertiser for any company that would give me a chance, I now have advertisers barking up my tree every day. Once again, I am out for students and others looking to make extra money and one way I do that is by introducing them to the wonder that is affiliate marketing. Find out more information by connecting directly to the affiliate marketing section of MoneyInCollege.com
Jason Stilwell - MoneyInCollege.com
Money Is Not A Weapon
Life has changed so much in the past fifty years that it only stands to reason that children are parented differently as well. We are more affluent and may have a tendency to be more indulgent with our children. This is especially true when parents feel they can assuage their child's pain by offering gifts.
Life may be easier when money is plentiful, but money can also skew values toward selfish overindulgence. Greed is wanting more than is useful or necessary. Greed also implies wanting what someone else has. While your divorce probably had nothing to do with money, it can become about greed. The irony is that when payment is sought in a financial sense, it never seems to feel like anything other than revenge. All divorced parents pay something, but that has nothing to do with money.
Money can become a symbol that attempts to pay a debt that has nothing to do with currency. When your heart was broken, you may have believed that your ex-spouse could pay you something to reimburse you for your emotional investment. Money then becomes a surrogate for your peace of mind. What is lacking in your heart cannot be replaced by money. The only way to be reimbursed for emotional heartbreak is to continue the investment in others. Closing yourself off will keep you from the relationships that will help you heal.
Dollars and sense
One predictable outcome of divorce is that, at least initially, two households will need to function on money that used to run one. Deciding who has it, who deserves it, and how it should be dispersed takes on a life all its own. There might be attorneys preserving their own interest in deciding how marital assets should be divided. Some divorces become about hiding money, protecting self-interest, and withholding information about money. Anger about a divorce can encourage some to decide that a way to penalize an ex-spouse is to want more money.
One parent is usually writing checks that another is cashing. The parent cashing the checks may or may not feel an obligation in return for the financial support. The parent writing the checks may have to work longer hours and therefore see less of his or her children. The sense of obligation both parents feel is an indication of the value placed on each other as individuals. Some parents take money from an ex-spouse and still deprive this person of time and information regarding a child. Others withhold checks in an attempt to punish and control. Neither scenario is in a child's best interest.
Sometimes it doesn't add up
When one parent has decided that the other one has to provide the money needed to feed and clothe a child, then money has become a weapon that one parent uses to punish the other. The message to the child is that one parent works for money; the other spends it. When the economic situation of each parent is vastly different, money can become a source of resentment. The child will have an idea of what his or her fair share is and feel cheated when money is withheld. This teaches a child nothing about love.
It doesn't have to be all or nothing
There is much talk today about baby boomers and the challenges of caring for elderly parents. It is more of a challenge for these adult boomers when their parents divorce and act as if the divorce will be less painful because their children are adults themselves. It also raises an interesting question about love when a couple has been married for four or five decades and then decides that there is not enough in the relationship to sustain the marriage.
Surely these couples have had difficulties in the past. The difference may lie in trying to understand regrets some people have over unrealized dreams. The marriage may become the explanation for unhappiness. Yet each member of a couple is responsible for his or her own happiness. Just as no one can "make" you angry, he or she also cannot make you happy.
Give it to me
If we act frustrated when we do not get what we want, we are teaching our children to do the same. When we complain about money to our children, we are usually blaming someone for not making sure we have enough. There is nothing wrong with having nice things. There is no doubt that life is easier in some regard when money is plentiful. But if you want more money, you need to consider earning it yourself.
When money becomes a weapon in a divorce, a child is often overindulged. Parents compete by using purchasing power to win a child's affection. The parent with less money may feel cheated. The parent with more money may use material things as a replacement for time. Children will brag about this or that new toy they have. They will look out at the world and compare their possessions with those of others. When a daughter, for example, feels cheated by a divorce and her parents are using things as a way to appease her, she will demand more and more. But worldly goods can never make up for love.
Some parents think they can ease a child's pain by giving into demands. If parents become fixated on the child, effective discipline or reasonable limit-setting is impossible. Becoming concerned that a child may not like me indicates that a child is actually the one in charge. Adults become fixated on making a child happy by attempting to win affection through the use of purchase power.
I want it and I want it now
Children want instant gratification. The younger they are, the greater the desire. The infant cannot wait longer than absolutely necessary for food when he or she is hungry. Toddlers will throw a temper tantrum when they don't get what they want. If a parent consistently gives in to a child's demands, this behavior will continue to the extent that such children will always expect instant attention when they snap their fingers. They are spoiled in the sense that their inner souls are polluted with getting what they want, so they grow up to be boorish adults whom most of us go to great lengths to avoid.
The more the child's demands are met, the more persistent he or she will become. This child will come to believe that things create happiness. Parents teach this every time they give in. There is nothing wrong about wanting all the abundance the world has to offer. It is just that the antithesis of this is to look to money as an indication of love. There is no test for love. Love will always fail when tested because whatever expectation a person places on displays of love has nothing to do with the emotion. Love, when filled with expectations about how others should behave, places judgment on them to express love to us as we expect them to. When this includes spending money or collecting gifts, we have come to define outer trappings as an indication of love. But love is warm and doesn't include cold, hard cash.
Children are particularly susceptible to the idea that whoever has the most toys wins. Some adults buy into that notion as well. Plenty of adults want nicer cars, bigger houses, fancier clothes. And it is rewarding to succeed. Earning what you want is satisfying. Being given what you want rarely elicits that same sense of accomplishment. Do not deprive your child of the opportunity to work toward his or her goals.
It is a fallacy that time is money. Making money takes time. How ironic that more of our time is consumed so that we can buy more stuff. Goodies can never make up for time and attention, and no amount of money can change that.
Cheryl Grabenstein was an RN for 20 years, focusing on maternal child education and program development. She has conducted stress management seminars and started one of the first health education programs in the country. She holds a Masters of Education in Counseling from George Mason University and is a member of the elite Johns Hopkins Fellows Program.
The Divorced Parent's Challenge is Cheryl?s first book. She is planning seminars to help parents focus on her 8 principles of love and divorce and has started on her second book, Every Parent's Challenge
ISBN: 978-0-972044-0-1
Available on http://www.thedivorcedparentschallenge.com
Amazon.com
Special order in major bookstores
Contact Information
Cheryl Grabenstein
cell: 301 570-8020
e-mail: cheryl@thedivorcedparentschallenge.com
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Money Isn't Everything
Have you ever heard the expression, "Money isn't everything?" I'm sure you have.
Many times people who use that expression seem to be indicating that money isn't really the most important thing in life. They say, "There are plenty of other things that are much more important than money." And, looking at it from that point of view, they are right! Love, happiness, good health, a good marriage and a decent place to live are all more important than money.
There have been a number of very wealthy people who have said that they would have gladly traded their net worth for health. All the money that they had could not bring them the health that they desperately needed. So in that case, yes, money isn't everything.
Sad and lonely people on many occasions over the years have expressed that they would have given up all their riches for love and happiness. Their bank account could not bring them love, happiness and joy. So, once again, from that perspective, money isn't everything.
Although the above examples demonstrate an honest and innocent expression of the phrase, "Money isn't everything," more often than not, the expression seems to come up when people have a slanted view towards money, wealth and prosperity.
Some people's whole goal in life is to see how much money they can obtain. Perhaps you've seen the bumper sticker that reads, "Whoever gets the most wins." Yes, there are people who are obsessed with making as much money as they can simply for the sake of accumulating as much as they can. That's their whole purpose in life.
Some people think that money is evil. However, money in and of itself is amoral. It is neither good nor bad. Money is simply a means of exchange. People think that money is evil because they hear others misquote the Bible in saying that "money is the root of all evil." Actually, it says that, "the love of money is the root of all evil." Those two statements are very different!
Loving money means you can never get enough of it. But having money and acquiring money does not necessarily mean that you love it. Money is not the most important thing there is in life, but, when you think about it honestly, what would your life be without any money? And that's the point.
People who have a slanted view about money are limiting themselves. They get talked into a "let's just get by" mentality. Because they think that money is evil, they then assume that all they need is just enough to get by, and that is exactly what they receive in their lives.
We can't eat money. There's no nutritional value in the paper and ink, and can you imagine what a roll of quarters would do to your digestive system!
We can't wear money to keep warm. It would take an awful lot of dollar bills to make a jacket, wouldn't it?
We can't build a house out of money. Doing that, we would end up with some pretty flimsy floors and doors!
Now all that may sound silly, but think about it. We do need money in our culture so that we can buy the things that we need. We simply exchange money for the things we need to live our lives.
An increase in our money is simply an increase to our lives. We can buy better quality foods, which will in turn contribute to healthier bodies.
We can buy better quality clothes that will last longer and, in the long run, we will actually spend less money for our clothing.
We can afford the kind of housing that contributes to peaceful surroundings that keep us from distractions.
We can have the means to continue to educate ourselves.
We can take the time off that we that we need for relaxation or a change.
And, an increase in our money will afford us the opportunity to give more to help others. An increase in your money is not wrong! It is not evil! Those who misquote the Bible, saying, "Money is the root of all evil," ought to read a little more carefully. If they did, they would find many, many promises from the Creator concerning prosperity. The Bible is full of His promises to you of prosperity, because God really does want you to prosper.
Money isn't everything, but in our day and time, and in our culture, we certainly do need money!
Michael A. Verdicchio is a husband, father, minister, author, and broadcaster. He has been the voice on numerous productions over the years. Michael has a free newsletter called, THE PEP LETTER, at http://www.christianinspirationalgifts.com/pepletter.html.
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