CUTTING SPENDING
REDUCING DEBT
SAVING

Why cut spending now??? Inflation is above 3% and climbing.

The Federal Reserve has raised interest rates to slow the

economy and bring inflation down. If the Federal Reserve succeeds

then the products you plan to purchase now will be cheaper.

$

Why cut spending now??? Budgeting/Budget is another way to fight

inflation. Monitoring where your money going/controlling expenses is another

why fight inflation?

$$WEALTH STARTING BUSINESS ON A SHOESTRING BUDGET YEAR 2025

Caution rather than a great regret in this inflation crisis.

Keep in mind the Federal Reserve policies will take time to get

inflation under control. In the meantime start your financial control plan.

With modern communication technology comes the popularity of

information-based marketing, which is one of the oldest and most effective

techniques in getting targeted prospects to sites and converting them.

This is why article writing, submissions, and publications are also getting

popular.

internet business plan, small business advertising, business newsletter,

business location, business competitors, business website, search engine

optimization, pay-per-click marketing, and business marketing tips.

To all writers and non-writers out there, now is the time to start digging up

those creative writing skills.

With modern communication technology comes the popularity of information

based marketing, which is one of the oldest and most effective techniques for

getting targeted prospects to sites and converting them into buyers.

This is why article writing, submissions, and publications are also getting

popular.

There are already many tools that people can use to make the process of

their article.

Though this is invaluable in getting the content more exposure, which is only

half of the story. Let us take a look first at the common mistakes that some

people make before submitting their content to article directories:

1. Confusing the reason to promote the articles with the reason to write them.

In article writing, there are three key benefits why you are promoting them;

branding, lead generation, and promotion, which are all part of your

optimization efforts.

But there is only one reason why you write an article, and that is to inform

your audience. If the article is not focused on this primary and most important

purpose, it will fail to achieve the three promotion benefits because no one will

be interested in reading them.

You need to figure out first how to get people to read what is in your article,

then make them click on your resource box. You can achieve this by producing

better contents.

2. Failing to maximize the promotional opportunities of article marketing.

You may know already that your articles can help you generate additional links

back to your site.

But do you know that you can get more visitors and better search engine results

from that same articles?

Mention keywords at strategic places. Just be sure not to overdo them.

Some are even using anchor texts which is also an effective method. But it is

important to know that the majority of the directories are not able to support

this.

Remember that is not only about the links back to your site. Part of doing well in

your article marketing is getting picked up by publishers with a large number of

audiences and gaining the ability to leverage other brands because of the

quality of your work.FINANCIAL FREEDOM — HAVE YOU THOUGHT ABOUT STARTING A BUSINESS???

Better search engine results also are great benefits.

But these things do not put much money in your pocket. There are other factors

that can turn your article marketing efforts into an opportunity that can boost

your earnings. Not just increase the number of visitors to your site.

Start out with a plan and see to it that your article will serve the function that

you intended it to have.

3. Publishing content that does not help your readers.

Maybe in the process of writing articles, you are thinking that all that you

want is links back to your site. And any visitors it can generate are fine.

Guess what? Not all article banks and directories are going to accept your

content automatically. Oftentimes, they have some guidelines and

specifications on the articles that they are accepting.MAKING MONEY FROM THE INSIDE OUT — BUILDING WEALTH AND FINANCIAL FREEDOM

You can double the number of sites you can submit to by writing articles that

the directories want to be shared with other people.

All it takes is one publisher with a hundred thousand readers to increase your

potential audience overnight.

Write the articles that publishers want in their publications if you want your

article marketing to work the most effective way for you. This also means you

have to obey the standard guidelines, spell checks, research a good topic, and

even hire a writer to produce good content on your behalf.10 CRITICAL BUDGETING STEPS TO FINANCIAL FREEDOM

In the end, it is all a matter of choice on your part. You can start getting a

little exposure from increased links back but on a very basic level. Or enjoy

massive exposure from a little extra time making quality content.

It will be your choice. You may not be aware of the fact that an article submitted

on directories are not meant to have the same level of exposure as highly-

targeted content geared toward a narrow group of people.

Learn the difference between these two and it will surely help you know what

kind of articles to write .10 CRITICAL BUDGETING STEPS TO FINANCIAL FREEDOM

WHEN A RETIRED/DISABLED

VETERAN PASSES, DOES THE

SPOUSE/DEPENDENTS RECEIVE

BENEFITS???????

What is the difference between widow

benefits and survivor benefits?

While spousal benefits are capped at 50 percent of

the worker’s benefit, survivor benefits are set at

a full 100 percent of the deceased worker’s benefit.

Can a widow receive Social Security and

VA benefits?

SSDI and VA disability compensations are

not affected by each other, so you

may be eligible to receive both. However, you

must apply for them separately.

It may be possible to also qualify for SSI,

depending on income.

When a retired Veteran dies does the spouse

receive benefits?

Military retired pay stops upon the death of

the retiree. The Survivor Benefit

Plan allows a retiree to ensure, after

death, a continuous lifetime annuity for

their dependents. The annuity, based on a

percentage of retired pay, pays eligible

survivors an inflation-adjusted monthly

income.

What benefits do 100 disabled veterans get

as a spouse?

Spouses of disabled Veterans are eligible for

health care benefits through the Civilian

Health and Medical Program (CHAMPVA). This

program also allows for reimbursement of

certain costs, such as prescription

medications, medical equipment, nursing

care, and more, as long as the Veteran and

their spouse remain married.

How much is a VA widow’s pension?

The basic monthly rate of DIC is $1,340 for an

eligible surviving spouse. The rate is

increased for each dependent child, and also

if the surviving spouse is housebound or

in need of aid and attendance. VA also adds a

transitional benefit of $332 to the surviving

spouse’s monthly DIC if there are children

under age 18.

How long does a widow receive VA benefits?

If the VA rated the Veteran permanently and

disabled with an effective date of three

years from discharge, or if the Service

member died on active duty, a spouse will be

eligible for benefits for 20 years from the

effective date of the rating or date of

death.

A VA Survivors Pension offers monthly

payments to qualified surviving spouses and

unmarried dependent children of wartime

Veterans who meet certain income and net

worth limits set by Congress.

Can a widow receive Social Security and VA

benefits?

SSDI and VA disability compensations are not

affected by each other, so you may be

eligible to receive both. However, you must

apply for them separately. It may be

possible to also qualify for SSI, depending on

income and resources.

How much does a military widow get?

If you’re the surviving spouse of a Veteran,

your monthly rate would start at $1,612.75.

Then for each additional benefit you qualify

for, you would add the amounts from the

Added Amounts table.

How much does a military widow get?

If you’re the surviving spouse of a Veteran,

your monthly rate would start at $1,612.75.

Do veteran widows get money?

A VA Survivors Pension offers monthly payments to

qualified surviving spouses and unmarried

dependent children of wartime Veterans who meet

certain income and net worth limits set by Congress.

Does a widow get her husband’s VA disability?

Unfortunately, your spouse cannot receive your VA

disability compensation after you die. However,

they may get a monthly allowance if they qualify for

Dependency and Indemnity Compensation.

If you lived in government housing, VA might also

allow them to stay in residence for

up to a year.

Can I add my wife to my VA health benefits?

You can quickly and efficiently add your spouse or

child to your compensation award by

following an easy, step-by-step process on

www.ebenefits.va.gov. Filing online using

eBenefits gives you a faster, and in some cases, a

same-day response. That means your

payments can.

What is the most approved VA disability?

Here Are The Top Ten Most Commonly Approved VA

Claims:

Tinnitus.

Hearing Loss.

Limitation of Flexion, Knee.

Post-Traumatic Stress Disorder (PTSD)

Lumbosacral or Cervical Strain (Back Pain)

Scars, General.

Paralysis of the Sciatic Nerve

Limitation of Range of Motion of the Ankle.

5 Steps To Get Your Priorities Straight At Home And In Business

Operating a successful home-based business is a time-consuming endeavor. This is doubly true as work-at-home moms in that we are responsible not only for the success of our business but for our family as well. We must be self-reliant, self-motivated, and disciplined ourselves to attain success in both areas.

When running a business from home, it’s easy to let the phone calls, emails, and paperwork keep you tied down, making you feel that you don’t have time to take…FREE INFORMATION

CHRISTIAN, CHRISTIAN BUSINESS, CHRISTIAN WORK AT HOME MOMS, BUSINESS, HOME BUSINESS, HOME-BASED

Operating a successful home-based business is a time-consuming endeavor. This is doubly true as work-at-home moms in that we are responsible not only for the success of our business but for our family as well. We must be self-reliant, self-motivated, and disciplined ourselves to attain success in both areas.

When running a business from home, it’s easy to let the phone calls, emails, and paperwork keep you tied down, making you feel that you don’t have time to take a break or to spend quality time with your family. Maybe you’ve noticed that you spend a little more time than you’d like in front of your computer or on the phone.

Maybe you see your kids acting out, trying to gain your attention. Perhaps you are seeing that this isn’t the work-at-home dream you envisioned.

You started out with such noble intentions, but maybe the excitement of success in your business has caused you to lose sight of the REAL reason do what you do each day. It happens to so many of us, but don’t worry, help is on the way.

Below are five ideas to prioritize your life and business:

1. Be honest – You probably didn’t start your work-at-home career to climb the “corporate ladder” of your at-home business.STARTING A BUSINESS

Chances are that you started your business with the best of intentions – to be able to be at home with your children, to contribute financially to your family, or simply to have a little spending money of your own. Spend some time in prayer and ask the Lord to show you the things that you need to change.

Take a moment and honestly ask yourself how you’ve been handling the time commitment of owning a business:

• Are you spending too much time on the phone, the computer, etc?
• Are your kids spending more time than usual in front of the TV?
• Do you snap at your children because of the stresses of your business?
• Do you worry about your business – to the point that it distracts you when you are with your family? Continue reading “BUILDING A BUSINESS FOR YOUR CHILDREN AND GRANDCHILDREN—WHY NOT— IT SO SIMPLE”

9 Characteristics That Millionaire Business people Have in Common

What do the rich and powerful people in business have in common? They live life with a strategy and exhibit characteristics that not all that different from other not-so-successful businesspeople. What’s their secret? They train themselves to keep these characteristics in mind.

Millionaire stories, making money online, internet millionaire, getting rich, business success, secrets of success, business secrets, online business secrets, millionaire secrets, small business, business

In May 2005, Forbes magazine reported that there were 691 billionaires in the world. 1400 people across the world turn into millionaires every day. Want to become one of them? Of course you do. Everyone wants the freedom to do business in the way they choose. There is so much power in running your own business – and having a business that runs itself, which for many people is the ultimate goal.

Making money is not the only goal of becoming an internet millionaire – it’s about freedom. Many people across the world are gifted with experiencing this freedom everyday. How can you become one of these people? What kind of life, and business, do you want to run? Would you like to be able to check your email from your private plane? These are the kinds of goals many people have in mind when they begin to forge ahead with their business ideas.

But the truth is that the rich and the successful – the millionaires off and online – have about nine characteristics in common, not that different from a lot of people we all know. Most of them exhibit some or all of these. The truth is that we all have the potential for greatness – if we can train ourselves to keep this in mind as we go about our business day.

1. They don’t blame. Successful businesspeople don’t blame others. Instead of making excuses for bad outcomes, or reassigning responsibility to others, they take time to learn from their own mistakes.

2. They are decisive. Millionaire-types have a vision. They take quick, decisive action aligned with that vision. They’re action oriented, always pushing forward toward their goals.

3. They trust their intuition. If something seems like it’s not quite right, they trust that instinct. If an opportunity excites them and sounds like a great idea, they go for it.

4. They are singly focused on their CORE business. Successful entrepreneurs may be inspired by ideas, but they always remain true to their vision. They focus on opportunities that are aligned with their business’s purpose. If you sell retail products on eBay, don’t try real estate investing the next day. They don’t lose focus. They may sell their products on eBay, write articles, focus on joint ventures, and go to marketing seminars, but all of their efforts, and FOCUS, help them move toward their main goals.

5. They are marketing focused. Millionaires, including such giants as Bill Gates, understand the importance of building on their core business. They hire people with specialties in marketing. They work hard at building their email lists, gaining exposure, and are constantly looking for ways to reaching a wider audience. If you want to build a decent income, you sell products and services. If you want to be insanely rich, then you create and control markets. The key to your business, and creating phenomenal success, is marketing.

6. They understand the importance of continuing education. Successful businesspeople are always learning and drawing from other people’s experiences. They listen to how other people have achieved their success, especially if these people have expertise in another industry. They are constantly learning about new approaches and strategies, and thinking about how they can apply it to their own business.

7. They are not afraid of making mistakes. Any big company online will tell you that they’ve had their share of downfalls, even such giants as eBay or Craig’s List. Mistakes are building blocks for success – by making mistakes, you learn what works, and what doesn’t. You don’t have to get it right, you just have to get it going. We all make mistakes, and one of the most powerful things you can do is glean feedback from them. Feedback is a great way to learn from your customers and colleagues. You need to look at feedback and take it with a grain of salt – it helps you learn and grow. See your mistakes as learning lessons.

8. They model their business for success. Internet millionaires model other people, strategies, and systems. They constantly look for models of success in everyday life and think about how to incorporate these lessons into their own strategy. They even look at their competition for answers. Whatever niche you’re in, subscribe to some industry newsletters, buy their products, and learn HOW they create success.

9. They build a team to rely on. No matter what stage you are in with your business, you’ve got to realize that you simply cannot do it all. You can’t be an expert in everything. You want to create a great team of people. How can you find them? Go to seminars and workshops. Hone your networking skills. You’ll often find that like minded people that are out there constantly learning and attending, seminars and workshops. Getting rich is a team sport. You have to have people that are cheering you on, encouraging your success.

These are some inherent characteristics of business millionaires. Can you apply them to your business and your life, too? Of course you can. If you can keep these principles in mind, you’ve got the millionaire mindset. No, you aren’t going to get there overnight. Making a million dollars takes some time. You can’t make a million dollars if you haven’t made your first hundred. So focus on the first hundred, first thousand, and first hundred thousand. Thinking this way goes a long way toward your goals – finding success, gaining riches, and living the kind of life you want to live.

US Veterans GI Benefits
Benefits and Assistance for Veterans Widows
Benefits and Assistance for Veterans Dependents
Benefits and Assistance for seniors
Benefits from Medicaid, Medicare, and Social Security

CLICK NOW – ORDER YOUR COPY NOW: Benefits And Assistance For Veterans Widows And Seniors: A Guide To Everyday Assistance Paperback

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CREATING WEALTH REQUIRES A COMMITMENT TO GOAL SETTING, TIME MANAGEMENT, BUDGETING AND LEARNING.

To be successful in this 21st century, we all need to be regularly motivated so as to able to withstand the different challenges that life throws at us. But the access to motivational resources is becoming slimmer by the day.

The most prominent sources of motivation are in books, and there are thousands of them out there. But with our busy and tight schedule, most people hardly have time to read books. This is where audiobooks become handy.

Most speakers or authors now have their work published in the form of audio books. This gives them the opportunity to reach out to more audience, most especially those who find it difficult to read books.KNOWLEDGE TO BUILD WEALTH

Self-help motivational audio books are the next biggest source of inspiration. Listening to them will help to maximize and grow your potentials. They are what you need if you want to move to the next level in your career and profession.
In this post, we will be discussing the role self-help audio books play in maximizing potential.

Self-help audiobooks enable you to easily identify your strengths and weaknesses. They give you insights to your potentials and make question yourself on how to fully utilize them. Knowing your strengths and weaknesses helps you to better manage yourself, time and other resources at your disposal.

Listening to motivational audiobooks before getting out of bed in the morning will let you stay motivated and prepare you for the challenges of the day. Audiobooks are powerful tools for motivation. Make it a habit of listening to your favorite self-help audiobook for at least 15 minutes every day before leaving your home.

By listening to motivational audio books, you feed your mind with positive and inspiring contents. This enables you to regularly stay inspired and stand tall against all life tides.
Many people listen to music for inspiration or just to improve their mood. But audiobooks are better alternative to music because they enable you to stay motivated and at the same time you’re learning.

And just like your music, audio books are accessible and portable. You can easily carry them about in your phone, computer or any other devices. People can listen to them anywhere and whenever they want. You can listen to them while you’re doing other things. For example you can listen to motivational audio books while driving to and from work.

Most of real life challenges are discussed in audiobooks. Sometimes listening to them makes one feel as if the speaker or author is talking directly to you. In their discussions, they offer practicable solutions to some of the problems we face in our daily lives.

For anyone to improve and get to the next level, one needs to understand the essence of getting things done effectively within a speculated time frame. There are many motivational audio books that teach people how they can simplify and gets things done in order to achieve the desired results.

It is only natural for colleagues and other people around to believe in you and trust in your judgments when you are good at getting results. When people see you as a goal getter, the level of your confidence increases and invariably it helps you to maximize your potential.

In addition, listening to positive inspirational audio books let you understand that no one is perfect. In one way or the other, we all have our weaknesses. This weakness may either be physical or mental. Motivational audio books teach you how you can master your imperfection and overcome the feeling of inadequacy. This in effect, spurred you for greater life achievements.

Do you want to increase the level of your confidence or you want to be able to fully utilize your potentials? The only thing that is stopping you from getting what you want is you. There are many audio books that will guide you through the process of how to become a better you. They help you to positively change your thought pattern. Consequently, this gives room for a new you to evolve.

Reasons why you should listen to self-help motivational audio books

They are great source of motivation and inspiration – Just like music, audio books can be used to improve your mood and boost your spirit. They provide you with that right words that can boost your confidence and prepare for the day-to-day life challenges.FREE INFORMATION

Lead to easy and fast learning – One of the great advantages of audio books is that they make comprehension easy and faster. They make you go through a lot of information within a short period of time.

They are effective – Listening to audio books produces effective result better than reading text from the pages of a book. You won’t have to flip through several pages before getting all the information that are contained therein in an audio book.

Sometimes the content of a book may be great, but it is hard to read and you get bored reading it. This is not a popular occurrence with audio books.

Accessible – Audio books are convenient and accessible. Most audio books are compatible with devices such phones, laptops, iPods, tablets etc.

You can easily store them on any of these devices and carry them with you wherever you go. Another amazing thing about audio books is that you conveniently continue from where you stop from the last time.

In conclusion, we all need inspiration for our day-to-day survival and to remain focus. But because we long for inspiration or motivation, we surely don’t want to add to an already tight schedule.

Self-help audio books are great sources of daily inspiration. They provide you with rich resources for personal growth without adding more to your already tight to-do-list. 4

There are several collections of self-help, motivational, spiritual, fitness and health audio books. Like we said earlier, all of these audio books are accessible.

You can listen to them while on the go. For your daily motivation, listen to your favorite audio books while on the treadmill, in your car or the train. Whenever or anytime you need a boost, audio books are what you need to get to the next level and to maximize your potential.

Real estate investing/residual income

Over the years, real estate investment has turn out to be one of the most successful means of creating more wealth. Only few other investments generate as much wealth as investing in land and property. In the history of investing, real estate investment seems to be most reliable and consistent means of wealth building.

Some of the world’s richest people build their wealth by investing heavily in real estate. They invest in real estate to create a residual income earning opportunity. And residual or passive income through real estate can develop into a massive wealth.

Talking about residual or passive income, it is technically the type of income that you continue to receive long after an initial effort has been put in place. One continues to generate residual income on a regular basis (monthly, quarterly or yearly) with little effort in the management of the investment.FLIPPING HOUSES CLICK NOW

Residual income is something many people work hard to build for themselves and their loved ones. There’s hardly anything more satisfying than one to continue earning from their hard work or investment.
There are different ways of generating residual income through real estate investment. These are:
• Rental properties
• Flipping houses, and
• Crowdfunded Real Estate Investment

Seven Steps to Starting A Business

Are you are planning to start a business? You must have a clear plan and strategy for achieving your goals. Too often new entrepreneurs jump ahead without mentioning what they sell, how they sell it and to whom they will sell it.
Thanks to the internet, it is straightforward than ever to start a business in the comfort of your own home. Although it is not easy to be an entrepreneur, it is generally known that starting a project is very rewarding. The hardest part is starting. So many people have business ideas that never leave their notebook.

Others want to have a business, but they do not know where to start. These are the six necessary steps for starting a business 2025.

1. Get Online
First, if you start a business, you have to install it on the internet. The number of people buying online is increasing every year. More than 3 billion people have access to the internet, and more and more people connect every day. These are all potential customers. When your business is on the internet, you can sell your products and services 24 / 7 for the whole year.

2. Get starting capital
Although the costs of starting a business in 2025 on the internet are considerably lower than those of a traditional company, you still need a little money to start an online business. The main reason why most companies fail is the lack of capital. Provide a plan to make financial resources possible, whether it concerns sales, your funds or external investors.

3. Choose The Right Location:

Location plays a significant role in determining the success of your business. A wrong location can jeopardize all prospects, and at the same time, a right one can build a strong foundation for a fruitful venture. Therefore choose the location wisely. Discuss with people who have vast knowledge in the industry that you have chosen.

If you set up your business amidst your competitors, there are higher chances of success, studies have shown.

4. Establish Your Unique Selling Proposition
What makes your company unique? The Internet is a big market, and when you start a business in 2025, you have to make a unique sales proposal (USP) for your product or service. Why would people buy from you instead of someone else? If you do not know, how can you expect your potential customer to know?

5. Know your ideal customer

No company can sell anything to anyone. You need to be clear about who your ideal customer is so that you can create your marketing messages to attract them directly. What are their needs, wishes, concerns, problems or wishes? How can your products or services help them?

6. Implement a proven business model

Use a proven business model that will work in your market. If you do not have one, look at your competitors and see what they do. Buy a business mentor that shows you how to grow your business and move a potential customer to a customer. Very often you can learn a lot from people who have preceded your industry.
They can help you avoid pitfalls and make your path to success faster and easier.START NOW

It may not sound natural to start a business, but if you have a passion and want to see it become a successful business, it will take planning and organization. Use these tips to get started and build a company you can be proud of.

Regardless of your age, education, technical skills or qualifications there are no specific requirements for being a successful online entrepreneur. However, you will be more successful with a solid business model to work from, clear direction, training, and support.CLICK NOW 24/7 ADDITIONAL INCOME

Financial stability is a necessity for any adult. Although salaries are good, and it’s quite a relief that they come in regularly, salaries do not guarantee financial stability. Financial stability can occur as a result of deliberate steps which one takes towards investments, savings and other endeavours such as monetizing a hobby and starting a business. Since a person already has the skill and enjoys applying it, monetizing it is a sure step in the right direction. This article covers how to start a business from a hobby.

In case you’re wondering if the skill you have is sellable, it is important to point out, at this point, that any skill that adds value to individuals and society at large is sellable. These skills include web design, baking, baking, writing and sports and fit into training.

The process of turning one’s hobby into a moneymaking venture is highlighted below. These actionable steps are straightforward anyone that pays enough attention to them is on the right path of converting their hobby into a moneymaking venture.

Make a plan

Planning is essential since turning a hobby into a venture requires dedication. Establishing a plan is particularly important because making an income from one’s hobby requires juggling it with other things, even a full-time job in some cases. This plan should cover how to enter the sector, build contacts and make sales. The plan should also create an for improvement of the skill to ensure that it is developed enough to attract clients.

Get yourself out there

To make a sale, customers need to be aware that a person is a provider of a particular service. There are different ways to go about letting people know about the new venture as well as getting them to trust the quality of services. Free trials have been established as methods of getting a new venture in front of prospective clients. With social media and platforms where freelancers find patrons, it has also become relatively easy to market a new venture.

It is worth mentioning that the quality of service offered should beat what is averagely available on the market. Thus, specific efforts should be made to ensure customer satisfaction, even with free trials.

Stay relevant

Monetizing a hobby is a deliberate measure. Thus , it is essential to make efforts towards relevance in the industry. These efforts should include maintaining the right contacts as well as following industry news.

Maximize your time

When a person starts an endeavour, one of the biggest obstacles to this endeavour is time since it would involve combining it with other preexisting activities. The importance of effective proper time management cannot be overemphasized for persons turning their hobbies into moneymaking ventures.

The process of monetizing a hobby may also not proceed as smoothly as one expects. As you begin the process of monetizing your would need extra determination and believe in the success of the venture. At this point we can only hope that this piece inspires someone to maximize their skills.

Why Should I Separate My Personal Credit from My Business Credit?

Most people who want to start up their own businesses today usually make use of personal resources to finance their ventures.

They either utilize their savings, loan money from significant others or even use up their retirement funds.

Due to mixing their personal accounts with that of their business’ transactions, these people often risk utilizing their major assets for collateral, give personally guaranteed business mortgages, and so on.

They often end up pushing their personal credits to the limit. And whenever this happens, they are left to compromise their personal financial security.

It is sad to say, however, that a significant percentage of small firms operate through personal credit cards.

What these people should actually know and should be doing in running their ventures is how to separate their personal credit and their business credit and how life saving this can be, not only for the company, but for their personal assets as well.

The use of credit cards in small businesses is currently on the rise. What this does is that it protects both of the entrepreneur’s personal as well as business assets and allows opportunities for better growth and organization to the company. Continue reading “CUTTING SPENDING — WHY SHOULD I SEPERATE MY PERSONAL CREDIT FROM MY BUSINESS CREDIT — PAYIN DOWN DEBT”

Things To Consider For Starting A Business

Are you planning to start a business? You must have a clear plan and strategy for achieving your goals. Too often new entrepreneurs jump ahead without mentioning what they sell, how they sell it, and to whom they will sell it.

Thanks to the internet, it is more straightforward than ever to start a business in the comfort of your own home. Although it is not easy to be an entrepreneur, it is generally known that starting a project is very rewarding. The hardest part is starting. So many people have business ideas that never leave their notebooks. Others want to have a business, but they do not know where to start. These are the six necessary steps for starting a business in 2025

1. Get Online
First, if you start a business, you have to install it on the internet. The number of people buying online is increasing every year. More than 3 billion people have access to the internet, and more and more people connect every day. These are all potential customers. When your business is on the internet, you can sell your products and services 24 / 7 for the whole year.

2. Get starting capital
Although the costs of starting a business in 2025 on the Internet are considerably lower than those of a traditional company, you still need a little money to start an online business. The main reason why most companies fail is the lack of capital. Provide a plan to make financial resources possible, whether it concerns sales, your funds, or external investors.

3. Choose The Right Location:
Location plays a significant role in determining the success of your business. A wrong location can jeopardize all prospects, and at the same time, the right one can build a strong foundation for a fruitful venture. Therefore choose the location wisely. Discuss with people who have vast knowledge in the industry that you have chosen. If you set up your business amidst your competitors, there are higher chances of success, studies have shown.

4. Establish Your Unique Selling Proposition
What makes your company unique? The Internet is a big market, and when you start a business in 2019, you have to make a unique sales proposal (USP) for your product or service. Why would people buy from you instead of someone else? If you do not know, how can you expect your potential customer to know?
5. Know your ideal customer
No company can sell anything to anyone. You need to be clear about who your ideal customer is so that you can create your marketing messages to attract them directly. What are their needs, wishes, concerns, problems or wishes? How can your products or services help them?

6. Implement a proven business model
Use a proven business model that will work in your market. If you do not have one, look at your competitors and see what they do. Buy a business mentor that shows you how to grow your business and move a potential customer to a customer. Very often you can learn a lot from people who have preceded your industry. They can help you avoid pitfalls and make your path to success faster and easier.
It may not sound natural to start a business, but if you have a passion and want to see it become a successful business, it will take planning and organization. Use these tips to get started and build a company you can be proud of.
Regardless of your age, education, technical skills, or qualifications, there are no specific requirements for being a successful online entrepreneur. However, you will be more successful with a solid business model to work from, clear direction, training, and support.

Your Website…Is YOU!

Your website represents you. Its appearance can make or break sales. Great websites entice visitors to stay, buy and return again and again.

Fantastic design features include surf ability, the importance of the main page, the appeal and ease on the eyes in the use of color, screen resolutions, and browsers.
YOUR VERY OWN WEBSITE/BUSINESS — CLICK

website, appearance, sales, surf, information, website design, surf ability, main page, color, screen resolutions, browsers, pixels, marketing strategy, reading, target audience, screen size, download

You are out shopping for healthy, designer food. You visit two health food stores. The first one is bright and cheerful: Its products are displayed pleasingly and its staff, with crisp, starched aprons on, are slim, friendly, and helpful with smiles that twinkle.

There is another health food store just across the road: Similar products.

A fat, greasy-haired sweaty man, breath redolent of whisky, garlic and fermented cheese, egg stains on the front of his crumpled shirt, the middle of which strains to stay closed struggling to keeping its charge – a protruding belly – within, tired buttons at the ready to pop…comes to serve you.

You are your website: It is a reflection of who you are, your product, your service. Portray yourself as a trained, seasoned professional.

Your website is the only contact your customers, potential and current, have with you. You must create an atmosphere that is pleasing to your buyers to make them want to stay and buy, and more importantly, to want to come back again and again.

You want to aim for repeat business. The long and short of it is this: Your website can make or break your sales…and your business.

What secrets can you apply in the design of your website?

Do your research by visiting several websites. Note what makes them appealing, attractive, or the opposite. Always remember that visitors to your site have one goal in mind: They are either seeking information or shopping for a product.

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Your goal is to give them what they want without their having to search for it. It is a cardinal rule to make your site easy to navigate.

Ensure that all the information is relevant to your product/service. Convince visitors that they absolutely need your product to solve their problem(s).

The First Impression Lingers…The Importance of your Main Page

The main page has a very specific purpose: It is the storefront of your website where your visitor lands and from where she/he will shop. Therefore, this page must load very quickly and be easy to view.

This is the first contact with your customer: First impressions can either close a deal or…lose this same deal which has exactly the same potential.

Make things simple: Ensure that links are easily viewable by your visitors and that these links will navigate your visitors to where they wish to go.

Very often, a great choice is the use of tables when deciding how to design the main page of your site. If your page takes more than ten seconds to load even on a 56k modem, your visitor will click away, through impatience, or to save time, seeking information or products elsewhere.

To speed up the loading of your main page, it is advisable to avoid large, or excessive, graphics. Too many banners or special effects often also cause a page to load slowly.

Make your Website Appealing to, and Easy for, the Eyes

* Colors

Mild colors are your best bet. If your site is a content site where your visitor will be doing a lot of reading, it is a good idea
to keep to black and white.

You can add color when using tables as a means to brighten up the page. However, always remember to keep the overall look of the page professional and appealing to your target audience that will be visiting more often.

* Screen Resolutions

These vary among monitors. It is, therefore, good counsel to set the pixels to a standard 800×600. You may also choose to set the tables in your web page to span a percentage of the page rather than a set number of inches. This will be sure to accommodate all screen sizes.

* Browsers

Bear in mind that a lot of Internet users will not use the same browser as you. Therefore, make sure that your site looks as good on other browsers as it does on your own. You can do this by downloading several browsers through which to look at your page.

Be aware that the overall look of your website is to make it attractive to visitors, which in turn appeals to emotions and, therefore, leads to sales and makes money for you.

The appearance of your site, if properly designed, can be an excellent marketing strategy for your product/service.

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Your Home Office – Work Smarter, Not Harder!

Working the cube farm has been a disaster for worker productivity for years and you are finally fed up. Your company has offered you an opportunity to work from home. Hence, the home office is born.

home office, small office, entrepreneur

Working the cube farm has been a disaster for worker productivity for years and you are finally fed up. Your company has offered you an opportunity to work from home. So finally, the home office is born. The choice of the location of your home office is crucial to your success.

Too close to the activities going on and you get distracted. Too far away, and you become stranded on an island. Another concern is the “7-Eleven” effect, in other words, you are always open for business and in a very short time you find yourself exhausted. But there are ways to manage these issues in order to make your home office experience a success.

Now the home office is more of a focus in the design process, make this space worth living. Make it comfortable, but not too comfortable. Make it warm and inviting, but not a play room for the kids. Make it a place to work, but also a place to live.FREE INFORMATION

Confused? Don’t be because this is your space to with as you wish. Just keep in mind your particular situation and plan accordingly.

Maybe converting your attic for use as a home office is a wonderful idea. Maybe working in the corner of a bedroom works. Whatever your space allocation is having a true home office is a great way to keep your overhead low.

Since you are already paying for the space and the real hidden value of a home office is that it doesn’t have to look like a corporate office with a huge oak desk and wall-to-wall filing cabinets. And even though your children will disagree, your home office is not somewhere they should be playing. Finding space for a home office is a major concern these days.

Once you have found your space, you should hopefully find that working from a home office is interesting, varied and provides an opportunity to deliver results that will make a real difference to your life. It won’t be difficult to work if you have a well-organized, fully equipped home office and you have organized well and are comfortable.

But the key to a well run home office and a satisfied worker is this: create a work schedule just like you would if you went into the office every day. Don’t wake up tomorrow and ask yourself what you are going to do that day, have a plan.

Also set working hours, you go into the office from 8-5 or 9-6 and that’s it, you leave for the day, turn off the light behind you and shut the door just as if your commute were miles away from home instead of inches from the couch.

Another suggestion is turn the audible notification off for new email on your computer. Every ding, or dong, or beep and you will be running for the computer like Pavlov’s dogs. Remember: Work Smarter, not harder!

Are You Unique?

Learn the importance of discovering your own unique selling proposition, or what makes your business unique.

unique selling proposal, unique selling proposition, unique marketing strategy,

There is something that I have talked about on several occasions here on this site.

In fact, it was one of the very first things I talked about shortly after joining starting this blog

a couple of years ago.

Even though I’ve discussed this before, it’s always worth bringing up again.

I want you to ask yourself a question regarding your business. Are you unique? And what is unique about you or your business?

If somebody were to ask me that same question in regards to success, I would say that we offer access

to more products and more suppliers than any other drop shipping service. Continue reading “ARE YOU UNIQUE??? APRIL 2025 – APRIL 2026 ARE YOU BUILDING WEALTH?????”

FRUGAL SPENDING-A LIFESTYLE THAT CLEARS DEBTS.

Most people believe that frugal spending (frugal living) means reusing an already used teabag or maybe letting go of avocado toast. Truth is to some persons that is exactly what frugal living means.

Frugal spending actually means quite different things to a lot of people. I am going to share with you how you can successfully add frugality to your life.

Even though you don’t have to do all at once, you will actually find some of them worth it in terms of saving money and paying off your debts.
Frugal spending will completely change the outcome of your life at anytime. It has helped alot of people get out of debt situation, saving a lot of money.

Following frugal spending tips will eventually change you from spend alcoholic to an expert saver making your life actually easier.
So what exactly is frugal spending?

Frugal spending is actually the act of purposely trying to save money by cutting down on things you buy. It doesn’t mean that you don’t spend money at all. No! It means you only buy things that are essentially necessary at any point in time thereby reducing your spending on those that aren’t important.

A good example is my pantry. I actually just buy only store brand Staples. Cereal, pasta, flour, herbs and tinned tomatoes as well as spices.
Now that I save a few bucks on pantry staples I can actually use them to clear out some debts.FREE INFORMATION

How to do frugal spending without being cheap???

Frugal and cheap are two words that are usually interchanged even though they don’t mean the same thing. Frugal spending means you have a goal which could be saving for a loan but cheap means you simply can’t do without buying inferior things.

Someone living a frugal life will actually research and make sure whatever they are buying from the market is of the best quality they can afford at the price they propose for it. Frugal spending means buying quality at low cost for the long term.

This way you can save more and pay off debts.

On the other hand though a cheap person would actually go for the version of whatever product they are buying.

Frugal spending means you can save more money on those fancy means as well as designer labels just so you can put it to better use or maybe in this case clear off certain debts.

Frugal living means balanced living.

Benefits of a frugal spending

There are actually a lot of benefits for living a frugal life. These benefits include
• Less stress.
• Getting more money to spend on important things.
• Clearing off debts.
• Absolutely appreciating simple living.

You will definitely be happier when you begin frugal spending as you will realize that you saved more money than you’d expect hence easily paying off any debt owed before.

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Publishers.“Business Plan Writers: Should You Hire One?”

Do you need to write a business plan? The thought of preparing a business plan tends to fill most business owners with dread; it can be a difficult, stressful, and time consuming process. For this reason alone you may want to think about seeking the help of a professional business plan writer.

business plan, small business

Are you interested in starting up your own business? If so, you should carefully consider writing a business plan. The thought of preparing a business plan tends to fill most business owners with dread; it can be a difficult, stressful, and time consuming process. For this reason alone you may want to think about seeking assistance.

One of the many ways that you can seek help to write your plan is by hiring a professional, who in this case is a professional business plan writer.

NO MISTAKES — GET THE KNOWLEDGE FIRST

What Is a Professional Business Plan Writer?

Before deciding whether or not you should hire the services of a professional business plan writer, you should first clearly understand what they are. In most cases, you will find these individuals to be experienced, professional writers who are well versed in business terminology and who can effectively understand the needs of businesses.

It is important to understand when writing anything, even a business plan, that it is the wording which makes all the difference; the words used can be the difference between success and failure. That is why a large number of small business owners turn to professional writers for assistance.

What a Professional Business Plan Writer Can Do For You

When it comes to searching for a professional business plan writer, you will find that different writers perform different duties. For example, a large number of writers will merely take your ideas, which you have already thought out and developed, and present them in a professional matter; they will just present your plans in a more professional way than you could.

Then there are the professional business plan writers who will work with you to develop your plan from the inception of the basic ideas for your business to the finish document. Naturally since more work and time goes into to assisting you with developing a business plan from the bottom up you will probably find that the services of these writers cost more than traditional ones.

START A SUCCESSFUL BUSINESS TODAY

It is important therefore that before you start your search you be very clear in your own mind as to what level of support and input you require.

Why Hire a Professional Business Plan Writer?

There are a number of different reasons why small business owners turn to professional business plan writers. One of the key reasons is of lack of experience when it comes to putting ideas on paper and not knowing what format a plan should take. If you have never created a business plan before you can easily find yourself staring at a blank piece of paper for hours on end!

Although it is relatively easy to learn how to create your own plan, it can be a time consuming process to undertake the research and get into the appropriate mindset.

With the right experience, a professional business plan writer will be able to create a detailed, professional business plan in half the time that it would take you to create the same plan.

How Do You Find Someone?

If you are interested in acquiring the services of a professional business plan writer, you have a number of different options. One of those options is to search for someone locally. Dealing with a local business plan writer is great, especially if you want to deal with someone face-to-face.

Your search can focus on your local government business advice centers or even asking fellow business colleagues. If there is a writing group or circle in your locality then you can approach them for potential names.

The only problem that you may find is that not all areas of your country will have professional business plan writers. This means you may have to turn to the Internet for assistance. By conducting an online search you will find a large number of professional writers who specialize in creating or writing business plans.

What Should You Look For Before Hiring?

When choosing a professional business plan writer it is important that you don’t choose either the first person that you come across, or the cheapest. If a well written business plan is crucial to the success of your plans then you must be careful in your selection. Your business plan may not only be used for your personal guidance, but it may also be used to attract financing for your business and that is why your plan must look professional, be detailed and readable.

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Before hiring a writer, you should request samples of previous work and also ask to see testimonials from business owners who have used their services. This will help to ensure you are getting your moneys worth and that you end up with a business plan you can proud distribute.

As with any contract you enter into be very certain what you are getting for your money. Does the contract include the provision for free updates or unlimited revisions before the final version is agreed? Will you be charged per word, per page, or by the hour? Make sure you fully understand the deal.

By following these points you should be able to decide whether or not a professional business plan writer can assist you. Whilst they can be an additional cost you may not be able to afford, in the long run it could be the best investment you ever made.

Beauty Basics – Eight Tips For Naturally Beautiful Skin

Not sure what to look for when choosing cosmetics? Need some advice on taking care of your skin? Here are eight tips to help your skin look and feel it’s best.

1) Select moisturizers made with vegetable oils. The lotions, creams and body oils that you use should be made with vegetable oils, not mineral oil. Vegetable oils, (like olive oil, sweet almond oil, corn oil, etc.) contain fatty acids which help to moisturize and soften the skin.

Mineral oil is derived from petroleum and does not contain anything that helps to nourish the skin.

2) Look for herbs and herbal derivatives in your cosmetics. Herbs and their derivatives (essential oils, extracts, infusions) contain natural chemicals which soothe, tone and help condition the skin.

Two herbs which are especially useful in natural cosmetics are Lavender and Tea tree. The essential oils of both lavender and tea tree are gentle, natural antiseptics.
3) Once a week soak your feet in warm water, and gently exfoliate dead skin with a pumice stone. Follow up by moisturizing your feet with a natural foot oil or foot lotion.

4) Every week soak in a tub of bath salts. Salt, especially salts mined from the Dead Sea in the Middle East, are rich in minerals and help draw impurities out of the skin.

5) After a shower or bath, seal in moisture by using a body oil or lotion made from natural vegetable oils.

6) If you have blemishes and your skin is dry, moisturize your skin in the morning and at night with products that contain vegetable oils which are high in essential fatty acids.STARTING AN ONLINE BUSINESS

Essential fatty acids help to soften and hydrate the skin and they can also help soothe minor irritations. Vegetable oils that contain large amounts of essential fatty acids are: corn oil, sunflower seed oil, safflower oil, borage oil, blackcurrant seed oil and evening primrose oil.

7) Look for toners and astringents that are made without ethyl alcohol, rubbing alcohol or isopropyl alcohol. These ingredients are solvents that are extremely drying to the skin.

8) Every time you wash your hands, moisturize them with a natural lotion or cream to help them stay soft.

FASHIONS FOR ALL OCCASIONS. LOOKING YOUR BEST, FEELING YOUR BEST

Understanding Veterans Widows Benefits

Understanding Veterans Widows Benefits

When a veteran passes away, their spouse is often left to face emotional and financial challenges. To provide support during this difficult time, the U.S. government offers various benefits to the surviving spouses of veterans. These veterans’ widows’ benefits are designed to help maintain financial stability, access essential resources, and honor the service of the deceased veteran. Understanding these benefits is crucial for those who qualify, as they can significantly ease the burden of loss.

One of the primary benefits available is the Dependency and Indemnity Compensation (DIC), a tax-free monetary benefit provided to eligible survivors of service members who died in the line of duty or as a result of a service-related injury or disease. To qualify for DIC, the surviving spouse must have been married to the veteran for at least one year or have a child with the veteran. The application process involves submitting VA Form 21-534EZ along with the veteran’s service records and death certificate.

Another vital resource is the Veterans Affairs Supportive Housing (VASH) Program, which offers stable housing solutions for veterans’ widows who may be facing homelessness. This program provides housing vouchers and support services to ensure long-term stability.

For those seeking educational opportunities, the Veterans Dependents Educational Assistance (DEA) program offers financial support that can ease the burden of furthering education or developing new skills. This assistance is crucial for widows looking to enhance their career prospects.

To explore these benefits and more, consider ordering your copy of “Benefits And Assistance For Veterans Widows And Seniors: A Guide To Everyday Assistance.” This comprehensive guide provides detailed information on navigating the complex landscape of veterans’ benefits, empowering you to secure the support you need. Order your copy now.

By understanding and accessing these benefits, you can honor the service of your loved one while ensuring your financial and emotional well-being.

 

 

VETERAN’ WIDOWS’ DEPENDENCY AND INDEMNITY COMPENSATION (DIC)

The compensation is provided by the U.S. Department of Veterans

Affairs (VA). The primary purpose of the compensation is to support

the surviving spouses, children, and sometimes parents of Veterans

who have passed away. This compensation helps alleviate financial

burdens after the loss of a Veteran, especially if the death is connected

to their service. It comes as a tax-free monthly benefit. U.S. VA ensures

that the family is taken care of, honoring the service of the Veteran by

providing ongoing support.

The purpose of DIC is to recognize the sacrifice made by the Veteran’s

family members. They lose a loved one who served the nation. It is often

regarded as one of the most significant forms of compensation for

survivors, especially those who rely on the Veteran’s income or who need

support in the wake of their loved one’s passing.

If we talk about, DIC, veteran widows are the primary beneficiaries. However

dependent children and confident parents may also be eligible, depending

on their circumstances. DIC payments provide a steady income to help with

living expenses and offer additional support to those with special needs,

such as disabilities. Let’s try to discuss in detail veterans’ widow’s dependency

and indemnity compensation.

Eligibility for DIC For Veteran’s Wife

To qualify for DIC, survivors must meet specific criteria set by the VA.

These requirements are designed to ensure that benefits are directed to

those who truly need them and whose loss stems from the Veteran’s service.

Surviving Spouses

Surviving spouses are the leading group eligible for DIC benefits.

To qualify, a spouse must meet the following conditions:

● Marriage Duration: You must have been married to the Veteran for at least

one year before their death. Alternatively, you may qualify if you were married

within 15 years of the Veteran’s discharge from the military during which their

service-connected injury or illness began or worsened.

● Children: If you have children with the Veteran, this can further solidify your
eligibility, regardless of the duration of the marriage.

● Living Arrangements: You must have lived with the Veteran continuously

from the date of marriage until their passing. However, if you were separated for

any reason, you may still qualify if you were not at fault for the separation.

Remarriage Considerations:

Even if you have remarried, you may still be eligible for DIC benefits under certain

circumstances.

If your remarriage occurred after December 16, 2003, and you were at least 57

years old you may continue to receive DIC.

Veteran’s Service-Related Death

The critical factor determining eligibility is whether the Veteran’s death

was related to their military service. This can happen in a few ways:

● Death in the Line of Duty: If the Veteran died while on active duty,

including active duty for training or inactive duty training, their family

would be eligible for DIC.

● Service-Connected Death: If the Veteran died due to an illness or injury

directly connected to their service, their survivors would also be eligible.

In cases where the Veteran did not die from a service-connected

condition, DIC may still be granted if the Veteran was receiving VA

disability compensation for a condition that was rated as totally disabling.

The Veteran must have had this rating for at least 10 years

before their death or for at least 5 years if they were discharged from

active duty with a disability.

DIC Payment Rates For Veteran’s Widows

For 2024, the Dependency and Indemnity Compensation (DIC) payment

rate for surviving spouses is $1,612.75 per month12. Depending on your

circumstances, you may also qualify for additional amounts, such as:

● 8-year provision: $342.46 if the Veteran had a VA disability rating of

totally disabling for at least 8 years leading up to their death and you

were married to them for that same 8 years.●

Aid and Attendance:

$399.54 if you have a disability and need help with daily

activities.

● Housebound allowance: $187.17 if you can’t leave your house due

to a disability.

● Transitional benefit: $342.00 for the first 2 years after the Veteran’s

death if, you have one or more children under 18

To calculate your DIC payment as a surviving spouse, your monthly base

rate starts at $1,612.75. If you have additional benefits, like 2 children

under 18,  you qualify for the 8-year provision and receive Aid and

Attendance, you would add $399.54 for each child, $342.46 for the 8-year

provision, and 399.54 for Aid and Attendance. For the first 2years, you

would also receive a transitional benefit of $342.00. This brings your total

monthly payment to $3,495.83. After the transitional benefit ends, your

monthly payment will be $3,153.83.

How Veterans Widows Can Apply for Dependency and

Indemnity Compensation (DIC)?

To apply for compensation, start by filling out an application based on

your survivor status:

● Surviving spouse or child of a service member who died on active duty:

Complete VA Form 21P-534a with the help of a military casualty assistance

officer.

● Surviving spouse or child of a Veteran: Fill out VA Form 21P-534EZ.

You can submit your forms in several ways:

● Work with an accredited attorney, claims agent, or Veterans Service Organization

(VSO) representative.

● Visit a VA regional office for assistance.

Wrap up

DIC is a tax-free monetary benefit paid to eligible survivors of service

members who died in the line of duty or Veterans who passed away due to

service-related injuries or diseases. This compensation ensures that the

surviving spouses, dependent children, and sometimes parents of Veterans

receive ongoing financial support to cover basic needs after the Veteran’s

death.