Is Money Everything?

Is Money Everything?

Money will buy me a house, but not a home, a bed, but not a good night's sleep .- Zig Ziglar

Is Money Everything? This was the title of my speech at a seminar in Central London organized by Find Your Voice. Many professional speakers from all walks of life attended and delivered messages that motivated and empowered people to take control of their lives. I was one of the four speakers and the theme was: "Money Makes the World Go Round." I would like to share the views I expressed at the seminar with you.

One of the problems with literature about success is that most of the time the word 'success' is usually interpreted as material success or power. This typically includes the amount of money a person earns or has; the type of car they drive and the size and location of their house. However, we need to remind ourselves that true success is not just Hollywood's definition of it!

Success is a journey and not a destination. The mistake most people make is aligning money with success. Money is only a medium of exchange and can never measured side-by-side with success.

I believe that success can be divided into eight categories; These are: spiritual, health, family, career & business, financial, self-development / intellectual, personal needs, and community. It is there worth worth that true success is not just when you are financially rich, but it is when you are rich in all of the eight categories.

Money can buy you material possessions, but it can not buy you happiness and peace of mind. Money is used in exchange for other things, but this paper money we spend (eg Pounds, Naira, Dollars, etc) is not the only money we should have. There are hidden 'monies' in all of us; the only problem is discovering we have such 'monies' within us.

Let us consider this; if one is only financially rich and lacks the intellect to make other riches, or is unsuccessful in their family life and health, then the person is as good as being poor. Let us not be overly transported away by this mere medium of exchange - money - and fail to consider other aspects of life.

I once knew a rich man, who, in spite of his wealth, is deficient in his health. He died despite the great financial wealth he had accumulated. Would you say such a man was wealthy? No. Why? Because he was only monetarily wealthy - this appeared to be at the expense of his health.

I was at the mansion of one of my mentors, Richie Dyo Johnson, in Netherne-On-the-Hill, Surrey and as we sat down in his study that Sunday evening I asked: "DJ (as I fondly call him) tell me what money can and can not buy. He replied, "Dayo, money can buy you a house, but it can not buy you a home. Money can buy you insurance, but it can not buy you security. Money can buy you entertainment, but it can not buy you happiness. Money can buy you medicine, but it can not buy you good health. Money can buy you a bed, but it can not buy you sleep. Money can buy you companionship, but it can not buy you friendship. Money can buy you sex, but it can not buy you love. Money is called currency, because it is designed to flow through you. Money does not change you; it only reveals who you really are. "

I totally agree with Richie Dai Johnson. In addition to this, I believe that money can buy you many women but it can not buy you a good wife. It can buy you a good book, but it can not buy you wisdom and knowledge. It can sponsor you through school, but it can not buy you intellect. However, the things money can buy are temporal but the things money can not buy are, most times, everlasting.

Who are you when you have money and who are you when you do not have? The bottom line is that money does not change you; it merely uncovers you. Why do not you take time to reflect on those things money can not buy; you may be surprised to realize that money is actually not everything?

Is your spiritual life in order? Are you enjoying good health? Are you in control of your finances? Are you developing yourself intellectually? Are you giving back to the society? If you answer YES to all these questions, then you can confidently say that you are prospering and therefore successful.

Now tell me, IS MONEY EVERYTHING? I rest my case.

Top Five Small Business Tips For Success

Top Five Small Business Tips For Success

There are plenty of small business tips for success that are not necessarily dependent on having a lot of money or technology savvy. In fact, tens of thousands of small businesses are using the multitude of free and very low cost tools that are available on the Internet to manage their business, increase revenues, and reduce expenses. These tools are easily accessible, easy to use, and downright cheap if not free.

#1. If you a business that is local to a specific city then you can use Google's free service called Google Places to advertise your business whenever someone keys in a search for your type of business within that city. This service is free, and is increasingly being used by many people searching for a product or service.

#2. Create flyers for free using the multitude of free templates that are on the Internet. For example, if you go to Microsoft website you'll see that there are plenty of people who have offered free templates for flyers. These flyers have already been preformatted to give a professional look and feel. No need to hire an expensive graphic artist to create a flyer for you. Once you've created your flyer, put them in every place imaginable such as the local Starbucks or Jamba Juice bulletin boards, your local private mailbox boards, or even some Chamber of Commerces.

#3. Save time and money by using small business tips for success and a free service provided by Google called Google Docs. This is service allows you to upload all kinds of documents into an area where people can share and collaborate on them. No need to buy expensive hosting service to share documents between people. These is a great service, especially if you are tracking and sharing lots of documents between people and have a hard time managing, who has the latest revision.

#4. Want to work with a number of like-minded people, but don't know where to go? How about creating your own group that has common goals in mind? You can create groups/communities in both Facebook and LinkedIn. These two social communities were designed to help people get connected with other people to share ideas, to collaborate, and to generally stay connected.

#5. Set up a virtual phone system and create your own advertising channel, as well as save money. There are a multitude of virtual phone systems available today that are downright cheap, very easy to use, and extremely flexible. Many people shy away from a virtual phone system, but if you leverage it correctly. You can reduce the need for a full time answering service, create multiple extensions that advertise your product and save on support issues for your clients and customers.

These top five small business tips for success are just a fraction of what you can do by using many free and cheap services available on the Internet. Don't be afraid to experiment.

What To Expect When You See A Qualified Financial Adviser

What To Expect When You See A Qualified Financial Adviser

Everyone in the working age group right from a fresher out of college to retired professional needs a financial planner. If you handle finances in any way right from planning a household budget to running your own business you will have to meet with a qualified financial advisor.

A qualified financial advisor is essential to our lives and they can prove to be the crucial difference between our success and failure financially. Rule number one is to find a financial advisor who finds time to explain things clearly to you. Knowledge is power and when you invest with knowledge and not just blind faith, you become better at it. You will become steadily better at saving and investing and generally be in control of your life. Most people have no clue about where exactly their money is invested and what they could have earned by investing in something else. This approach to investing will not work. Your financial advisor should be able to fully explain all options open to you keeping in mind your ultimate financial goal. He should be willing to share information on all options available and not just peddle investment he has a good commission on.

It is always better to seek independent financial advisors who have several products in their basket. They will be able to identify apt products for you. A financial advisor attached to one particular institution will only be trying to sell his company's products and may not have your inquiries at heart.

They should be willing to provide examples and proof of their financial plans with other clients. So you can have proof of how much a person in the same situation as yourself has earned by investing in the same concern. Ask to see proof of previous performance. By asking this pertinent question you can really choose a financial advisor like an expert. You can also benefit by asking the financial experts further questions by using these templates. You can find out if the advisors had really given the opportunity they promised, and how sensitive they are to customer's needs. Check the financial planner's credentials; This is an obvious tip to give, but really check if they are the right people for you.

Find out how responsibilities to the financial planner are calculated. If they get tickets only on products they sell or the earnings made by the investor. It is always better to pick the latter as they will be interested in making more money for you. Go online and check with their websites read thoroughly about their expertise and work ethic.

People are afraid to ask questions but by asking the right questions you can be in control and actually 'plan' your finances instead of just investing and hoping for the best. All these tips given are practical and require no prior knowledge of finances and will help take you one step closer to financial freedom.

Why Is My Computer Running Slow? How To Speed ​​Up A Slow Running Computer Yourself

Why Is My Computer Running Slow? How To Speed ​​Up A Slow Running Computer Yourself

One of the most common phrases a computer owner can ask themselves is "Why is my computer running slow?" It's a problem that plagues almost every computer user at one time or another. Left untreated it can go from mildly annoying to right out nerve wracking as you sit there, looking at your screen as you watch the hour glass spin. Then if things have gotten really bad you may even have your computer crash on you. The next thing you see is a blue screen with a lot of confusing information on it. In almost every case, these problems. The slow computer urges and even the crashing can be preceded by following these steps.

There are several reasons that could be causing all of these problems on your computer.

# 1 Malware, spyware or virus infection. As long as you perform regular scans with an up to date security software your chances of having any long term effects from these malicious programs is slim at best. In fact most PC security software these days is constantly scanning your computer in the background, preventing anything from slipping through the cracks.

# 2 Poor hard drive maintenance. Unless you keep the files on your hard drive organized by backing up files you do not use all the time, getting rid of programs you no longer use and organizing the files left on your hard drive searches for data on your computer could potentially take longer and often file corruption can occur as links between files are lost. This is one way to find an answer to why is my computer running slow.

# 3 System resource hogs. Some programs that start up when your computer comes up require a lot of available system resources. You can free them up by either deleting programs you no longer use or removing programs from startup so that they only come up when you want them to, not when the computer starts up. You can do this by removing them from the startup folder or running a system and registry optimizer you can download.

# 4 In most cases the one issue that is causing you the most headaches on a slow computer is the registry. A computers registry is vital for helping the PC to quickly locate files and settings on the hard drive. So when there are errors in the registry, your PC has no idea where on the hard drive to find the files it is looking for. In worst case scenario it can even cause your computer to act erratically and crash.

As bad as it sounds, the truth is that registry problems are easier to clean up then you can imagine in most cases. All you require is the right software and with just a few mouse clicks, all of the errors you have can be fixed. You might even be surprised the first time you run the software that you see several hundred issues. You can fix this by downloading and running a system and registry scanner to do this for you.

So do you and your computer a favor. keep it clean, organized and keep the registry running at peak performance and you will not have to deal with slow computer issues in the future and you will not be asking why is my computer running slow. Scan you computer now and optimize it to run faster.

Advantages and Disadvantages of Cable TV

Advantages and Disadvantages of Cable TV

Cable TV has been facing increasing competition from other communications types like satellite television and even such computer sites as Netflix. With all of these options now available, it is a good opportunity to look at the pros and cons of cable television. In this article, I will examine three positive and three negative points about cable television, to help you make an informed decision.

Advantage # 1: Stability

Cable television is especially stable in its service. Both traditional air-wave broadcasts and modern satellite television can and will cut out on you during any serious storm (and often during some not-so-serious storms). Cable, on the other hand, will only go out if there is some flaw in the overall system, like a broken cable or router. This will happen far less often than rainstorms, so cable television will provide far more consistent service.

Advantage # 2: Bundling

Often specials are available by bundling your cable television with other services in a single package, usually internet and phone, but sometimes services like cellular phones. These bundles can actually save you quite a bit of money, especially if you bundle all three typical services together. It also provides the convenience of having a single bill.

Advantage # 3: Price

Cable television can actually be fairly inexpensive, if you do not add too many options. The initial hardware costs are fairly inexpensive when compared to satellite, and the FCC requires that all cable companies provide a basic cable package consist of broadcast channels and a few local channels. As a result, cable television can be the cheapest form of television away from buying an antenna.

Disadvantage # 1: Annoying Monopolies

Many areas only have a single cable television provider, and this creates a monopoly. While the competition from satellite is increasing, the corporate culture of these monopolies is especially poor. Customer service can be terrible, if not non-existent in many cases, and consumer satisfaction with cable TV companies is consistently some of the worst among any companies in the United States.

Disadvantage # 2: Confusing Price Packages

Many cable companies are very confusing when it comes to how much their service will actually cost in the long run. Many require you to sign up for two years in order to get a one-year introductory deal. However, you have to really dig on their websites to find out how much the second year will cost. In other cases, there are hidden fees, rental charges and taxes.

Disadvantage # 3: Privacy

If you are bundling your cable television with your internet (and many people do), you will have less privacy on the internet. Cable internet works with a stable IP address that does not change, so people will be able to easily track your visits to their sites. Compare this with DSL, where you can easily reset your IP by turning your modem on and off.

With these advantages and disadvantages in mind, you will be in a better position to make a decision about whether to choose cable television.

How To Deal With Competition And Create Your MLM Success

How To Deal With Competition And Create Your MLM Success

How do you deal with competition in your business? Are you constantly worried that your competition will take away from You? And your business that worked so hard for? Are you worried that there is only so much to get and you want as much as possible of it? There are numerous alternative to handling other businesses that want the same as you. Jealousy is such a negative character, but is all too often one of the competition methods. Do you really want your business to reflex that negativity? How do you think this will bring you the MLM Success you want?

If you are trying to build your MLM business on constant fear and concerns that your prospects will do better than you and that they will take away from your business, then you will be spending a lot of your time worrying. You will not enjoy your business. This is a trade that most of the time results in poor business. You could possibly start your MLM business up successfully, but not being able to grow. Not you nor your business. This fear will eventually start to become noticeable in your actions and your hard earned prospects are likely to start to search for a better business opportunity (that you no longer provide). Now, through your actions and thoughts, the competition has become a real threat to your MLM business.

The key here is that your prospects are not your competition. The better they do, the better you will do too. To find MLM Success, you have to want to help people. The more you have helped them to acquire success, the more attractive you will become for others who are searching to do the same. You will also find more respect within your competition for being positive and helpful. The more business your prospects do, the larger your business will become. Beside, it is a large world. The competition within your niche is not that high in comparison. There are plenty for everyone who are willing to do the work to achieve MLM Success.

Out of the various approaches to deal with competition, I will provide you with two constructive methods.

1.) One is to learn from it.
Research your competition. Find out what are they doing that you are not. What is it that makes their business a success? Do not copy exactly what they are doing as this will not only make you appear poor on judgment, it is a niche already filled. Instead find inspiration in their work. In inspiration you will find yourself and your own ideas. Uniqueness and passion will lead to MLM Success.

2.) It is said that "If you can not beat them, join them".
You might be able to beat your competition or even crush it, but joining them is a lot more productive approach. Getting involved with your competition can be a great opportunity for your business. Finding like-minded creative people with same goals as yourself can help grow your business unlimited. When you work together with others, you are building a stronger and larger force. It all goes back to the no man is an island theory and as a team we are stronger.

Think about it. How do you deal with competition? Do not see competition as a negative part of your business (or any other part of life), but an opportunity to grow. As a matter of fact, competition can be the best business opportunity you will have to build and grow your business to achieve true MLM Success.

Photo Editing on Mobile Devices

Photo Editing on Mobile Devices

Not everyone that owns a digital camera will have it with them at all times, yet most people will have their smartphone with them, and most smartphone cameras are almost as good and packed with features as a standard digital camera. Some smartphone cameras even have a flash and a zoom feature, as well as panoramic options and up to 40 megapixels. In this article, we will take a more in depth look at the benefits of installing a smartphone photo-editing app on to your phone, as well as how they can help you to capture some starting images.

However, taking a really good photo on a smartphone can take a lot of practice, and in order to enhance your smartphone, you should use one of the many smartphone editing apps that are available.

Some of the more expensive smartphone apps will even adjust some of the basic aspects of your photos by themselves, such as boosting the colors, cropping the photo, or sharpening the image. However, if you are not overly impressed with the changes to the image, you can easily reject the changes and restore the image back to its original appearance.

There are plenty of photo editing apps available to install on to your smartphone, and the best thing is that many of them are free of charge. Even the free to install ones will allow you to edit a number of different features of your photo, such as the exposure, the light balance and even allowing you to crop the image.

Adding Special Effects

If you are looking to be creative, then you can also use the photo-editing app to add special effects, and even the most basic of smartphone editing apps will allow you to add borders, filters or even speech bubbles, and other comic adorments.

For the most part, you will be taking photos on your smartphone so that you can share them with others, either by printing them out or via social media. By editing the photo on your phone, rather than uploading them to your computer, you will be able to tidy up and share your photos a lot easier and quicker, making them ideal for those people that are consistently on the go and lead busy lives .

Hopefully, this article has extolled the virtues of installing a photo editing app on to your cell phone, and how easy it is to use them to indeed truly great photos.