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MOUNTAINS ARE CLIMBED ONE STEP AT A TIME

Posted by 104Inc.com on February 27, 2009

“That's My Goal” cover
Image via WikipediTo attain success or to reach your goal,

Everyone who got where they are had to begin where they were.
Your opportunity for success is right in front of you.

To attain success or to reach your goal,
don’t worry about having all the answers in advance.
You just need to have a clear idea of your goal and move toward it.

Don’t procrastinate when faced with a difficult problem.
Break your problems into parts and handle one part at a time.

Develop a tendency toward action.
You can make something happen today.
Break your big plan for success into small steps and take the first step right away.

Success starts with a first step.

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Posted in Diary Entry, Diet, economy, family, Health, job, life, Love, marketing, Mortgage, motivation, Sales Training, success, Weight loss, work | Tagged: , , , , , , , | Leave a Comment »

Poor Or Good Economy, Advertising Can Help You Bring In Customers

Posted by 104Inc.com on February 27, 2009

View of Wall Street, Manhattan.
Image via Wikipedia

Poor Or Good Economy, Advertising Can Help You Bring In Customers

I understand that a slow cash flow is hard to cope with and the first inclination is to cut out the overhead. Unfortunately, they think of advertising as overhead. I considered it an extra salesperson that never slept, needed no health benefits, but always worked hard to bring in business. Advertising should be the last thing to go especially if you can cut cost and get more leads in the process. Now doesn’t that sound like a win-win? Read: Poor Or Good Economy, Advertising Can Help You Bring In Customers Read

By: 104inc.com | 25/02/2009 | Advertising

How To Advertising Online For Free!

Advertising online is big business nowadays. Since the medium is quite cheap to maintain, some other options have become open to earn while advertising online. By being observant online, one can find the ways to make money on online advertising. You can either be the host or the source, and here some ways one can utilize this business for personal revenue. Read: How To Advertising Online For Free! Read

By: 104inc.com | 20/02/2009 | Advertising

A Less Costly Way Of Going Green And Promoting Your Brand With 104Inc

All companies and businesses know the importance of spreading the word about what they sell and offer in order for people to know that their products or services exist in the market. And they know that target consumers will only try out a certain brand when they are aware of it or, as is most often the case, when they have heard of it repeatedly. This is the reason why businesses need all the advertising and promotion they can get…and afford. Read: A Less Costly Way Of Going Green And Promoting Your Brand With 104Inc Read

By: 104inc.com | 20/02/2009 | Advertising

Are The Yellow Pages Still Useful In This Internet Age?

I grew up before microwave ovens, fax machines, cell phones and personal computers. I finally got a Mac in 1984. Ten years later, a cell phone. I started working a sales consultant for the Yellow Pages in 1980 and figured that they would be around forever. But look at us now. We are hooked on Google searches and Blackberries as our PDA’s. What a difference a generation has made. So, do I or anyone else I know, still use the old printed directory? Read: Are The Yellow Pages Still Useful In This Internet Age? Read

By: 104inc.com | 20/02/2009 | Advertising

Why Don’T You Have A Sidewalk Or Window Sign For Your Small Business?

Advertising is so important for any business to survive. If you want people coming in your store then you have to advertise right? s a small business owner, I am sure you are always looking for an inexpensive yet very effective way to attract customers and make more money. Am I still right? Well I just have one question. Why don’t you have a sidewalk sign? Sidewalk signs have been proven to increase walk ins and sales but yet you still haven’t bought one. Again I ask why? Read: Why Don'T You Have A Sidewalk Or Window Sign For Your Small Business? Read

By: 104inc.com | 20/02/2009 | Advertising

How To Advertise Your Business On A Budget

With the unemployment rates going up, market ratings going down, and an overall gloomy outlook for the next few months, every business needs to cut costs. We all need to ride out this economic storm and wait for those clearer skies beyond. Hence, the norm usually these days is that you need to fit a small budget for a big objective. Advertising for example is one of the key investments that may suffer some budget cuts but still has some big shoes to fill. Read: How To Advertise Your Business On A Budget Read

By: 104inc.com | 20/02/2009 | Advertising

The Power Of Action Learning

I learned recently about The Freedom Class, a laptop seminar with Tim Brocklehurst. He claims that with just 2 days, he can set you up with your own Internet Business set to earn over $66,000 in eight months – and over $100,000 in a year. The theory is based around the phenomenon of exponential growth, and there are numerous examples of people who have experienced it using effective viral marketing on The Internet. Read: The Power Of Action Learning Read

By: 104inc.com | 20/02/2009 | Internet

How People Get Back Together After A Break Up

It might seem impossible right now to think that there is anyway for you to get back together with your ex. You maybe thinking that there is no way that your ex will take you back. The fact is that regardless of the reason you have been given by your ex, the true nature and reasons why they left can be right in front of you. Read: How People Get Back Together After A Break Up Read

By: 104inc.com | 20/02/2009 | Relationships

Internet Marketing Provides A Way For You To Earn Your Living Online!

An internet marketing seminar can be your ticket to learning everything you need to get started making money online. If you are like the thousands of people who have been laid off or “sacked” recently as they say in the U.K., you should look to learning a skill that no one can take away from you now. Read: Internet Marketing Provides A Way For You To Earn Your Living Online! Read

By: 104inc.com | 19/02/2009 | Advertising

Free Internet Marketing: 104 Online Marketing Strategies

Remember: You can’t put up a terrific web site on-line and “hope” that people will just arrive. You have to let your prospects know, IN EVERY POSSIBLE WAY, that your web site is there. This HAS to be part of any Internet Marketing Strategy you develop. This is actually a basic marketing principle. Unless you have something as needed and wanted as the original and authentic Fountain of Youth, your customers are not going to look for you; you have to look for them. Read: Free Internet Marketing: 104 Online Marketing Strategies Read

By: 104inc.com | 19/02/2009 | Advertising

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Posted in Advertising, Banking, Bankruptcy, Business, Business Finance, credit score, Diary Entry, economy, job, life, marketing, Mortgage, motivation, Online Business, Online Discounts, Personal Finance, Politics, Sales Training, success, Weight loss, work | Tagged: , , , , , , , | 3 Comments »

Obama address renews audacity to hope

Posted by 104Inc.com on February 25, 2009

WASHINGTON – President Barack Obama gave America the audacity to hope again.

After describing the U.S. economy in nearly apocalyptic terms for weeks, pushing his $787 billion stimulus plan through Congress, the president used his address to Congress on Tuesday night to tap the deep well of American optimism — the never-say-die spirit that every president tries to capture in words. And great presidents embody.

“We will rebuild. We will recover, and the United States of America will emerge stronger than before,” Obama said, echoing Franklin Delano Roosevelt and Ronald Reagan.

“The answers to our problems don’t lie beyond our reach,” Obama said. “What is required now is for this country is to pull together, confront boldly the challenges we face, and take responsibility for our future once more.”

The themes of responsibility, accountability and, above all, national community rang throughout an address carefully balanced by the gravity of its times. Job losses. Home foreclosures. Credit crisis. Rising health care costs. Declining trust in government. Obama touched all those bases.

“The impact of this recession is real, and it is everywhere,” he said.

It seemed that the president might be sticking to the dour talking points of the stimulus debate, when he warned that failure to pass the legislation would lead to a catastrophe “as deep and dire as any since the Great Depression,” one that “we may be unable to reverse.”

Fearing (and hearing) the worst, Americans supported Obama’s package and lawmakers passed it. But his rhetoric carried a risk.

None other than former President Bill Clinton, husband of Obama’s former rival and now the secretary of state, Hillary Rodham Clinton, complained that the president’s words were too much of a downer. The president from Hope, Ark., told the author of “The Audacity of Hope” to get back on message.

“I just want the American people to know that he’s confident that we are going to get out of this and he feels good about the long run,” Clinton told ABC’s “Good Morning America” last Friday.

Obama didn’t need Clinton’s advice. While his advisers privately criticized Clinton for second-guessing their strategy, Obama said a president must be both a realist and a cheerleader. “I’m constantly trying to thread the needle between sounding alarmist but also letting the American people know the circumstances that we’re in,” Obama told ABC News on Feb. 10.

Indeed, advisers said at the time that Obama had already written much of his address, and they predicted that it would mark a rhetorical pivot — from selling fear to raising hopes.

And that he did.

“You should also know,” Obama told millions of viewers Tuesday night, “that the money you’ve deposited in banks across the country is safe; your insurance is secure; you can rely on the continued operation of our financial system.”

He sounded like Roosevelt who, after closing banks briefly in the first days of his presidency, stoked the embers of American optimism. “Confidence and courage are the essentials of success in carrying out our plan,” Roosevelt said. “Let us unite in banishing fear. We have provided the machinery to restore our financial system. It is up to you to support and make it work. It is your problem no less than it is mine. Together we cannot fail.”

Like Roosevelt, Obama asked Americans to unite against pessimism. “We are a nation that has seen promise amid peril, and claimed opportunity from ordeal,” Obama said. “Now we must be that nation again.”

Like Roosevelt, Obama said his government had already provided the machinery to create jobs, improve access to health care, free up credit and help struggling homeowners.

And, like Roosevelt, he challenged Americans to help fix the nation’s woes. Obama even challenged his fellow citizens to recognize their role in creating the problem. “People bought homes they knew they couldn’t afford,” Obama said, “from banks and lenders who pushed those bad loans anyway.”

He was blunt but bullish on America.

“None of this will come without cost, nor will it be easy,” he said after spelling out his agenda. “But this is America. We don’t do what’s easy. We do what is necessary to move this country forward.”

In short, he reminded people that America has always seen itself as a “shining city upon a hill,” as one of its earliest leaders, John Winthrop, put it — a metaphor that Ronald Reagan reintroduced effectively in the 1980s.

When he addressed Congress, Reagan liked to pepper the audience with average people who did extraordinary things and epitomized the American spirit. Obama borrowed that device, inviting Ty’Sheoma Bethea to join first lady Michelle Obama in the crowd.

Bethea is an eighth-grade student who wrote Congress for help in repairing her dilapidated school, telling lawmakers that she and her fellow students will rise above their conditions because, “We are not quitters.”

And that was Obama’s bottom-line message to a shaken nation. We are not quitters.

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Posted in Diary Entry, economy, job, life, Mortgage, motivation, Personal Finance, Politics, work | Tagged: , , , , , , , | Leave a Comment »

BELIEF MAKES EVERYTHING POSSIBLE

Posted by 104Inc.com on February 23, 2009

If you want to succeed, you must first believe that you can succeed.

The only thing that stands between you and what you want from life,
is the will to try it and the faith to believe that it’s possible.

The only true limit to your realization of tomorrow will be your doubts of today.
The moment you carry the conviction of belief, in that moment your dream will become reality.

If you think you can, you can.

Posted in Advertising, Business, Diary Entry, Diet, economy, family, Health, job, life, married, Mortgage, motivation, Weight loss, work | Tagged: , , , , , , , , , , , , , , | 1 Comment »

Credit Repair is More Than a Right, It’s Your Responsibility

Posted by 104Inc.com on January 14, 2009

The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing to repair your credit.

Most Americans want to believe the credit reporting system works; that people earn their bad credit and there is nothing they can do about it but wait for seven years. But study after study shows the credit reporting system frequently does not work. This is why the Fair Credit Reporting Act and other consumer protection legislation give you the right to do something about it – the right to make sure your credit score is as good as it can be.

So why is it that, though everyone has the right to dispute the negative items in their credit reports, very few people do? It certainly can’t be because they don’t understand the importance of a high credit score. After all, it doesn’t take a genius to figure out the benefits of a good credit score when it can be the difference between paying $2,500/month and $2,000/month for the exact same house.

More likely, the reason people do not repair their credit is a mix of apathy and lack of understanding of the credit reporting system. Too many people assume the credit reporting system is some official government bureaucracy with an extensive system of checks and balances designed to ensure the safekeeping of their credit history. This couldn’t be further from the truth.

The credit bureaus at the center of the credit reporting system are not official organizations. Instead, they are massive, for-profit corporations that collect personal information from your creditors and make money by selling this information in the form of your credit reports.

So now you are asking yourself, how do they ensure this information is correct? If a creditor reports something that is wrong, how do the credit bureaus make sure it doesn’t end up on your credit reports?

The answer to both of these questions is: they don’t. Your creditors report information, the credit bureaus record it, and for most people, the story ends there.

Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports – and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.

Making sure your credit score is where it should be is your responsibility and repairing your credit reports is a task you will have to initiate because no one out there will do it for you.

It is your right and your responsibility to dispute the questionable negative items in your credit reports and the sooner you start, the better. You can work to repair your credit on your own or you can enlist the help of a credit repair law firm like Lexington Law.

Whether you attempt to repair your credit on your own or with the help of a credit repair expert, by taking an active role in the credit reporting system, you can ensure your credit score is as good as it can be and that you have the advantage over the millions of people out there with bad credit who haven’t taken action to do anything about it.

Posted in Banking, Business, credit score, economy, family, job, life, Mortgage, motivation, Personal Finance | Tagged: , , , , , , , , , , , , , , | 1 Comment »

New plan to spur consumer lending

Posted by 104Inc.com on November 28, 2008

The Federal Reserve and Treasury department have announced new plans to inject up to $800 billion into the U.S. economy –
with the goal of reducing the costs and making it easier for consumers to get mortgage and other consumer loans.
The new program includes plans for the Fed to purchase up to $600 billion in mortgage-backed securities from Fannie Mae, Freddie Mac and the Federal Home Loan Banks. The other $200 billion will be made available to investors who back other consumer loans – including credit card, student and auto loans.
These investments are designed to take a large portion of consumer debt out of the market and, in turn, support continued and increased consumer lending opportunities to eligible borrowers.

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Looking For A Safe “Bank” For Your Money?

Posted by 104Inc.com on November 25, 2008

Overall Messages

  • Bank of America is one of the world’s largest and strongest financial institutions, by many indicators.
  • We believe it has a strong balance sheet and liquidity, a diverse earnings stream, leading positions in key businesses and a world-leading brand.
  • Even in these challenging and uncertain times, they have continued to meet the needs of their customers and clients while taking steps that should significantly enhance earnings capabilities when economic and financial markets conditions improve, and they will.
  • Because of the sheer scale and diversity of their businesses, the company is better able to withstand market shocks than many of their peers.
  • The advantages of comprehensive financial solutions, geographic and earnings diversity, liquidity and capital strength position them to compete in the marketplace.

Proof Points

  • Strong balance sheet and liquidity.
    • More U.S. deposits than any other bank, with total deposits of nearly $874B as of September 30, 2008.
    • Bank of America and Bank of America, N.A. have high long-term bond ratings from the major credit rating agencies. Bank of America, N.A. (long term): Moody’s, Aaa; Standard & Poor’s, AA. BAC (long term senior): Moody’s, Aa2; Standard & Poor’s, AA-.
    • Tier One Capital Ratio exceeding 9% (assuming acquisition of Merrill and after TARP money).
    • Third quarter results. Net income of $1.18B, even after absorbing losses associated with market turbulence and several one-time charges as well as continued high credit costs. With year-to-date net profits of $5.8B, Bank of America has been one of the most profitable banking companies in the world while operating in a very difficult environment.
  • Leading positions: Largest retail bank in the U.S., serving 1 in 2 households. Largest commercial bank in the U.S., serving 1 in 3 companies with revenues of $2.5MM to $2B. Relationships with 99 percent of the U.S. Fortune 500 companies and 83 percent of the Fortune Global 500.
  • Most admired financial services brand in the world by the Financial Times.
  • Open for business and planning for the future.
    • Even in this challenging environment, we are taking advantage of key growth opportunities, using our continued strength and stability.
    • We continue lending to those who need and can afford credit.
      • Business lending remains strong and we have continued making loans to states and municipalities in a time of extraordinary uncertainty.
      • In just the three months since the merger with Countrywide was finalized, we have helped more than 250,000 Americans purchase a home or save money on the home they already own.
    • The Countrywide and Merrill Lynch acquisitions will expand our ability to deliver critical financial services to millions of Americans – including mortgages and financial planning –and help stabilize the financial markets.
    • Our home retention programs will help up to 630,000 borrowers keep their homes, by modifying more than $100B in current home loans.

To Find the nearest Bank of America branch in your area please visit http://104Banks.com

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LIFE IS WHAT YOU MAKE OF IT

Posted by 104Inc.com on November 5, 2008

I don’t know the key to success but the key to failure is to try to please everyone.   Bill Cosby

No one can cheat you out of ultimate success but you.

You must choose the thoughts and actions that will lead you on to success.
You must set your own standards.

Nothing meaningful happens by itself.  It will all come your way, once you understand that you have to make it come your way, by your own efforts.

Only you can hold yourself back, or stand in your own way.  Only you can help yourself.

Not in time, place or circumstances, but in you lies success

.

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DO WHAT IS NECESSARY FOR THE ODDS ARE IN YOUR FAVOR

Posted by 104Inc.com on October 31, 2008

He who refuses to embrace a unique opportunity loses the prize as surely as if he had failed.   William James

Keeping a little ahead of conditions is one of the secrets of business.
The time to repair your roof is when the sun is shining.
Try to do things before they need to be done.

Let your advance worrying become advance thinking and planning.
Position yourself ahead of time in the best place for you.

You’ll gain the advantage in any situation through one medium: time
When you think ahead of any approaching action
you’ll always have the advantage.
You’ll be the winner.

Do the next thing.

 

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IT TAKES PERSISTENCE TO REACH A GOAL

Posted by 104Inc.com on October 29, 2008

Big shots are only little shots who keep shooting.   Christopher Morley

Boys, there ain’t no free lunches in this country. And don’t go spending your whole life commiserating that you got the raw deals. You’ve got to say, I think that if I keep working at this and want it bad enough I can have it. It’s called perseverance.    Lee Iacocca

“Keep trying” is the rule that must be followed
to be successful at anything.

Your success will always be connected with your actions.
Just keep moving towards your goal.
You’ll make mistakes but don’t ever quit.
You may even have to hang on after others have let go.

Persistence means taking pains to overcome every obstacle,
to do all that’s necessary to reach your goal.

In the end, the only people who fail are those that do not try.

All great achievement takes time.

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