WAYS TO MAKE MONEY $$$$$$$

12 steps to become a millionaire

You don't have to own the company or be a CEO. Here's how to build a rich nest egg one paycheck at a time.

By Kiplinger's Personal Finance Magazine

A number of the people profiled in "Millionaires tell how they did it" made their millions as entrepreneurs. But working for the Man doesn't mean you have to be a wage slave or resort to buying lottery tickets to strike it rich. The trick is to maximize your income on the job (and know when to move on), make the most of your employee benefits and tax breaks and use that extra money to start investing.

1. Keep your eyes peeled for better ways to do your job. Streamline a procedure, shave costs, create a new profit center, become an expert on a specific topic, volunteer for a company committee -- anything that will make you stand out as a prime candidate for a promotion or a pay boost.

2. Don't be afraid to negotiate. In a study of master's degree graduates from her university, Carnegie Mellon economics professor Linda Babcock found that those who negotiated their first salary boosted their pay by 7.4% compared with those who didn't bargain.

3. Get your ducks in a row and your numbers on paper. If possible, quantify how much your efforts add to the company's bottom line. If that's not feasible, spotlight your value with comparable salaries for workers in your position from a Web site, such as Salary.com, or from a professional association.

4. Plot your strategy when it's time to move on. Create a professional-looking page on MySpace that tells prospective employers why you're an exceptional candidate, recommends John Challenger of the outplacement firm Challenger, Gray & Christmas. And don't neglect more conventional networking: Join a professional association or show up at school reunions toting business cards.

Milk your benefits

5. Contribute as much as you can to your 401(k) and other tax-deferred retirement plans. You'll not only build a bigger nest egg, but you'll also cut your tax bill. In the 25% federal tax bracket, every $1,000 you contribute to a 401(k) trims your taxes by $250. And you'll save on state income taxes, too.

6. Flex your tax-saving muscle. Contribute pretax dollars to a flexible spending account to pay for dependent care or out-of-pocket medical expenses. If you set aside $1,500 per year and you're in the 25% bracket, avoiding federal income and Social Security taxes means Uncle Sam will subsidize almost $500 of your expenses.

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7. Review your tax withholding. If you're expecting a refund this spring, you're having too much tax withheld from your paycheck -- and making an interest-free loan to Uncle Sam. That's no way to become a millionaire. Put more money in your pocket by using Kiplinger's withholding calculator and then filling out a new Form W-4.

8. Stash savings in a Roth IRA if you're eligible. Withdrawals in retirement, including decades of compounded earnings, will be tax-free. This year, income-eligibility limits for a Roth increase to $114,000 for individuals and $166,000 for married couples.

Invest like crazy

9. Don't delay. The quicker you get a jump on putting money aside, the easier it will be to stuff a seven-figure cushion. If you start at age 25, for example, investing $286 per month will get you $1 million by age 65, assuming you earn 8% annually.

10. Invest automatically, either through your employer's retirement plan or by setting up a regular deposit to a mutual fund or broker. You'll never miss the money, and you'll avoid two big mistakes: buying too much when stock prices are high and not buying at all when prices fall.

11. Watch for fund fees. The more you pay, the tougher it is to earn an above-average return. The typical hedge fund, for example, takes 20% of any gains, a huge hurdle to overcome. A better bet: no-load mutual funds with expense ratios of 1% or less. If you trade individual stocks, watch those commissions.

12. Keep it simple. Be wary of get-rich-quick schemes or sales pitches for complex investments, such as oil-and-gas partnerships, that trade on the millionaire cachet to lure investors into buying high-fee products they don't understand. Most millionaire households accumulate their wealth over the long term by sticking to a regular investing plan in a balanced portfolio.

10 more jobs you can have at home

(CareerBuilder.com) -- How would you like to work from home? No hustling out the door 10 minutes late, no fighting your road rage or battling for the last seat on train, no fast food lunch and no noisy co-workers. Sounds like heaven doesn't it?

More than ever, workers are attracted to the 30-second commute, thanks to social and economic trends. Technologies necessary for setting up a home office are widely available, relatively inexpensive and getting easier for people to use. And more workers are seeking flexible schedules to care for aging parents and children.

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Home-based working is growing rapidly, according to a 2004 survey by ITAC, the association for advancing work from anywhere. The number of employed Americans who worked from home, from as little as 1 day a year to full time, grew from 41.3 million in 2003 to 44.4 million in 2004.

Many people associate working from home with starting a home-based business and becoming an entrepreneur, but more and more employers are offering this option to workers in order to attract and retain top employees. In fact, 7.6 million employees conduct work from home every month.

Don't fret, there are jobs that you can find with established employers. Even if the job is advertised as office-based, these positions are telework-friendly and could be in your future.

Administrative assistant
Also known as virtual assistants, home-based administrative assistants use office experience and computer skills as support personnel. Many skills easily transition into this position which offers many part-time and temporary opportunities.

Advertising sales agent
It's said that Americans are exposed to more than 3,000 ad messages a day. Advertising sales representatives sell or solicit advertising space in print and online publications, custom-made signs, or TV and radio advertising spots.

Computer software engineer
Computer software engineers are projected to be one of the fastest-growing occupations over the 2002-2012 period. Duties include design, development, testing and evaluation of computer software, and continual training is suggested for the quickly evolving industry.

Corporate event planner
Employed by a private company rather than a hotel or convention facility, a corporate event planner coordinates staff activities including group meetings, client presentations, special events, conventions and travel.

Copy editor
Copy editors mostly review and edit a writer's copy for accuracy, content, grammar and style. This is a competitive field; however, the growth of online publications and services is spurring the demand for writers and editors, especially those with Web experience.

Desktop publisher
Desktop publishers use computer software to format and combine text, images, charts and other visual elements to produce publication-ready material. Duties of this fast-growing profession include writing and editing text, creating graphics, converting photos and drawings into digital images, designing page layouts and developing presentations.

Data entry clerk
Like administrative assistants, job prospects should be best for those with expertise in computer software applications. By typing text, entering data into a computer, and performing other clerical duties, these workers ensure companies keep up with information and technology.

Insurance underwriter
Insurance underwriters serve as the main link between the insurance carrier and the insurance agent. Underwriters analyze insurance applications, calculate the risk of loss from policyholders, decide whether to issue the policy and establish appropriate premium rates.

Market research analyst
Market Research Analysts gather data on competitors and analyze prices, sales, and methods of marketing and distribution. They often design surveys, compile and evaluate the data and make recommendations to their client or employer based upon their findings.

Paralegal
While lawyers assume ultimate responsibility for legal work, much of their work is delegated to paralegals. Paralegals not only assist in preparation for closings, hearings, trials, and corporate meetings, they also perform a number of other vital functions including draft contracts, mortgages, separation agreements, trust instruments and may assist in preparing tax returns and planning estates.

If you want to make the case to a potential employer or your boss to let you work from home, keep a few things in mind. If possible, provide concrete examples of how this arrangement was successful in the past or how it will succeed.

Suggest that you ease into it -- spending a few days to a few weeks in the office at the outset, meeting people and getting to know procedures. Then, during the first three to six months on the new job, make frequent visits.

Selling secret #11

Your Most Valuable Source of Prospects

In one of his best selling books Dale Carnegie tells the story of Howard Thurston the most successful magician in his day. Howard Thurston's magic shows attracted the biggest audiences and he was paid more money than any magician of that time period.

As famous as he was, Howard wasn't considered the most skilled at executing the magic tricks. Some of the younger magicians were actually more technically competent. But Howard continued to attract the biggest audiences and earn the highest pay in his profession.

So what was Howard Thurston's secret?

Before the younger magician's would go on stage they would peek out from behind the curtain at the audience and say to themselves, "I'm going to fool all of you with my magic tricks."

Before Howard Thurston would go onstage he would peek out from behind the curtain at the audience and say to himself, "I love my audience, I love my audience, I love my Audience."

The audience could feel Howard's concern and appreciation for them and they loved him for it. People would invite their friends, relatives and associates to Howard's amazing performances. As a result they flocked to his shows in droves and many came back to see him multiple times.

How did he do it?

So how did Howard Thurston get to be such a master at getting repeat and referral customers?

He did two critical things.

FIRST, he delivered an excellent product – his great entertaining magic shows.

SECOND, he really cared about his audience (customers). Howard truly meant it when he said to himself, "I love my audience." Howard realized that if it wasn't for his audience he and his family wouldn't be able to live the wonderful lifestyle they enjoyed.

The magic of referrals in your sales.

Referral customers are the most profitable and enjoyable type of customers to have. Because they were referred by a friend or someone they trust they don't feel like you are some unknown or untrustworthy total stranger. They already have a certain amount of trust in you at the very start.

Referrals also have a multiplying effect on your sales. Referrals you sell refer others and they refer others and suddenly you have the snowball effect.

How do you gain regular steady referral business as a salesperson?

FIRST, delivered an excellent product – a product(s) you believe in.

SECOND, really cared about your customers. And prove you care by giving them the unexpected extra service that average paid salespeople don't. Really caring and serving is a powerful trait most all the highly paid salespeople I know share in common.

THIRD, ask for referrals.

Do you know you have a great product that really benefits people?

Do you care about your customers and their friends?

Can you honestly answer yes to both of those questions? Then wouldn't you agree you have an obligation to ask for referrals to help more of your customers and their friends?

Let me show you one way this is done.

Do you feel you are getting valuable tools from these selling secrets? (My assumption is yes or you probably would not be reading this.)

Do you know other salespeople or hope-to-be-salespeople that would benefit from this free selling secrets program? (My assumption is yes, most salespeople know other salespeople.)

If you know someone who could benefit from this, feel free to forward the email you got for this session to them. Invite them to try it by clicking the second link in the email.

What a great way to have a positive impact of your friend's career and their family income. And what's even better is it doesn't cost you a penny to help them.

Now you try it.

Start asking your satisfied customers for the opportunity to help their friends in the same way you helped them. It's that simple.

11 Internet Myths Debunked

State of Florida Offers Free Money For Hurricane-Proofing Homes

Homeowners qualify for the free inspection and money if the home was built in 2001 or before. The home has to be insured for $300,000 or less and the homeowner must have a valid Homestead Exemption. $5000 is the maximum amount that the state will match for the cost of improvements. State officials said it takes about a month to get the inspector to a house. To sign up, visit MySafeFloridaHome.com

WAYS TO MAKE MONEY with Usana products

Secrets to becoming an eBay millionaire:

7 strategies to help you reach PowerSeller status on the online auction site. To get your hands on a piece of that $45 billion, McGrath offers these tips that could help you become a PowerSeller.

Learn to buy before you sell. By racking up experience buying, eBay-style, you will learn to bid successfully, how PayPal works, how to post feedback and how buyers and sellers communicate with each other.

One man's junk is another man's treasure. For starters, McGrath suggests finding something in your home that is usable but that you don't want anymore and sell it online. That way, you can establish yourself, get the hang of selling and use the proceeds from those first sales to buy more merchandise.

Sell what you love. If you love to fish, sell fishing equipment. After all, if you know something about the products you are selling, you'll be better at distinguishing between the good and the bad items out there, as well as pricing and writing descriptions. The more specialized your product niche, the better. Customers will begin to know you for your wares and come back to you again and again.

It's not only what you sell, but how you sell. Whether it's with free shipping, or a very high level of customer service, set yourself apart from the masses. Consider adding a picture of yourself or a personal touch to the description. After McGrath added an audio message to many of his listings, he noted a dramatic increase in sales. And be sure to pack and ship your items professionally and in a timely fashion. Including a handwritten card or note is a nice touch.

Hone your headlines. If you don't write good headlines, nobody is going to click on your auction and you're not going to sell anything. Seems pretty obvious right? But it's not quite so simple. When writing headlines, keep the user in mind; try multiple spellings (i.e., hairbrush, hair brush) and be as descriptive as you can (i.e., tortoise shell, made in London, England).

A picture is worth a thousand words. When you photograph your item, capture it in its best light. "Nobody wants to see dirty dishes in the background," said McGrath. Also, include close-ups and details (the underside, the label, the tag etc.).

Get into the description. Don't just list the item's features (size, color, shape, what it does) but also describe the benefits (why it's different, why you like it). Add sentences like "this is the best one of its kind, because..."

Think big. McGrath recommends running 100 or more auctions at the same time. That way, you'll not only get noticed by more people, you will sell more stuff and boost your monthly take, which can then boost your ranking within eBay's PowerSeller tiers.

Bronze sellers bring in average monthly sales of $1,000 a month, silver sellers log $3,000 in monthly sales, gold sellers bring down $10,000, platinum take home $25,000 and titanium sellers, the highest level, bring in $150,000 a month.

For the advanced seller, several auction-management companies - including Vendio, Channel Advisor, Auction Hawk and eBay's own Turbo Lister - can help manage inventory, transactions, post-sale processes and communications with customers.

Almost anyone has what it takes to make it to the upper tiers, although making it in the eBay world does require some diligence and patience. All sellers, at some point, might have trouble unloading a product or dealing with a difficult customer, but with these techniques the serious seller can step up their game.

Now that you have the tools of the trade, get your gavel and go.

"No matter how accomplished you are, no matter how well you think you know your business,

you have to remain vigilant about the details of your field. You can't get by on experience

or smarts. Even the best surgeons need to be retrained regularly, to stay current on the

latest research and procedures. No matter what you're managing, don't assume you can

glide by. Momentum is something you have to work at to maintain."

"I don't do it for the money. I've got enough, much more than I'll ever need. I do it to

do it. Deals are my art form. Other people paint beautifully on canvas or write wonderful

poetry. I like making deals, preferably big deals. That's how I get my kicks".

Donald Trump

Own your own website money maker at Cognigen. I sell over 85,000 products. You can

make anywhere from 6% - 19%.

www.cognigenpc.com/?gonavy38:

Become an affiliate of DoMyStuff.com

Go to a website called Paypal.com. Click on register. After you sign up now you can collect and send money for auctions on ebay.

Go to a website called craigslist. Here you can sell almost anything for free.

craigslist

For all of you interested in operating your own company, written by my grandfather (Arthur Iberall )

Do you really want to operate a company, your own company? Remember, for this you have to be, somewhat, a breed apart (not a species, just a breed). You have to be willing to work hard (the usual statement is that medium sized executives work 12 hours a day; large sized 16 hours. Chalk it off, except for quick rolls in the hay. Family, ditto. Recreation, ditto. You may get to eat more, or better, but you will find life becomes quite compulsive. Aren't there any relaxed types? Certainly, but very few. You have to drive). You don't always get paid well. you succeed, you do, but the success rate is very small. Only a few percent become such elites -that is people who run and receive support from a large number of people. Most of the others, e.g., small businesses, turn over as frequently as one-third their number per year. A ten year life expectancy is long. You have to fill many tasks. The basic thing in a company is to schedule (manage) the following eight bureaucratic functions and departments very well (for a manufacturing company – similar modes are identifiable for other kinds of companies)

sales research and development

fiscal management quality control

procurement maintenance

production advertising

engineering

We cannot tell you how many companies disregard the purity of attention that these basic functions require. The point to all of these functions that they provide you, as a company organism, with a present and a future among the essential conservations and flows.

When you start you may have to perform all these functions single-handedly, and delegate them slowly, as the economic turnover permits. But you must always schedule watchdog escapements to make certain that each of these engine processes are turning over. The time scales? The day, the week, the month, the season, the year, five years, ten years, a generation. Do most managements do this? No. Does doing it guarantee success? No. But doing it in an uncluttered bureaucratic way, and paying careful attention to your functioning in the social field gives you a better chance to find a niche, grow, and survive.

For more details, go to management manuals. Many (for example, Harvard Business School) will tell you. Take chances before you have made it. Become more conservative after you have. We detect a different philosophy in such companies as DuPont (bet your bankroll on nylon), and General Electric (spawn off new risk companies, which may either make it and spawn, or die). So don't hang on one strategy, just work hard, be bright, aggressive, charming, and pay attention!

In any case, remember that poor management (in too many compartments) wrecks businesses.