Prosperity Investing – Tips For Your Financial Prosperity

Do You Know How to Fund Your Investments?

Welcome readers, and thank you for reading this post, "Private Money Goldmine". I realize that there are thousands of investment manuals and self-help books on the market, and that you could easily create another author's materials, but after reading my little known approach to increasing the return on your retirement investment money, you'll be certain you've made the right choice. What you'll learn in this article is everything that your bank, your investment counselor, your accountant and your attorney either do not want you to know, or do not even know themselves!

You'll find the secrets to investment strategies that only the wealthiest of investors have known for years. Be prepared to have your eyes opened to a world of investment opportunities that you have only dreamed of, but that can be a reality, right here, right now.

How long have you been waiting to grow your retirement savings into an amount that you're confident will keep you in the lifestyle to which you've become accredited for the rest of your natural life?

Or better still, an amount that you'll be happy leaving to your children or grand children to give them the start in life that you may not have had? If you're counting on Social Security to accomplish either of those goals, you're in for a huge disappointment. No, while Social Security may give you enough money to survive at the poverty level upon your retirement (if it's even still in existence when you get there), it will not begin to allow you the financial freedom to enjoy the lifestyle that you deserve .

Yes, your retirement "nest egg" is up to you to accumulate, and depending upon your age, some of us have more or less time than others to grow that retirement fund. That's exactly why I'm writing thisarticle, to educate everyone who's willing to listen, to the fact that your money will never grow fast enough to create a legacy for your family if it's invested in a vehicle that's providing an annual return of 1% – 5%!

No, you need a double-digit return at a minimum, coming to you by way of "passive income", if you want to create multi-generational wealth. But it does not end there. Actually, personal success is just the beginning of what I believe is my path of purpose in life. It's really a blessing to find out what it is that you are passionate about in life, and after searching for many years, I personally have come to the realization that my passion is helping other people accomplish their goals.

I have helped many people become first-time homeowners, helped others attract passive income into their lives, and now I'm ready to be the ultimate philanthropist. I'm ready to give in a way that I never thought I could give before, as well as show others that they can do the same thing.

Everyone is so fascinated by real estate, from the "flip this house" shows on television to the "no money down" investing programs sold on infomercials at 2:00 AM. Those real estate investors are not geniuses. They are average people, just like you and me.

It's just that they took hold of the information that they gathered and actually acted on that information. That's exactly what I'd like to encourage you to do.

Have you ever heard anyone say that he or she is a self-made millionaire? Is it possible to be a self-made millionaire? If you had asked me this question five years ago I may have believed that a person really can create wealth without the help of anyone.

"Self-made" clearly means to me that no one else had anything to do with someone's success. I only have one question to the self-made millionaires in this world. "What about God"? Where does God come into play in our narcissistic ways? Success does not come from a human being alone.

We should never feel that we do not need to acknowledge a higher power. From where I stand in my life at this time, the higher power is Jesus Christ. Without Him, I could not begin to do the things that I envision doing. If you recognize that a higher power is responsible for everything from making the earth to the heavens, you should give glory to the only Being that is really worthy the of the glory.

Everyone has a piece to a dream – something that they're passionate about more than anything else. Nine times out of 10 it's not the job that they're working at right now. Real estate investing is one vehicle that allows you to create massive wealth for your family and to leave a legacy.

Hopefully once you learn my techniques you will become more of a giver and you'll thank God for your blessings and you will believe that there are no such things as self-made millionaires. God-made millionaires are people like you and I who understand that alone, we are nothing.

This is my declaration to my Lord and Savior Jesus Christ. I acknowledge that all of my gifts and talents come from you. Give me the wisdom to teach your people to be givers and conduits of love. You are fortunate to have the awareness of the ministry that was instilled inside of you at birth. That ministry my friends, is a finance Ministry.

Most people do not have a clue about the concept of "passive income". The only thing they know is earned income, and as we all know, earned income is income that is totally dependent upon your personal efforts. I'm sure you know the routine quite well.

You get up every single morning at five o'clock to get the kids off to school, sit in traffic for 30 minutes on your way to a JOB (Just Over Broke) that you do not even like, only to walk into a world where you will be chained to a desk for the next 8 to 10 hours. At this JOB you will, by virtue of your job description, spend every day fulfilling someone else's dream.

You see, the owner of the company has a dream, and understands passive income. You, my friends, are his passive income. If your boss decides to take a vacation this week, his or her company will still operate and his income will not be negatively affected by his absence. Once you understand the concept of passive income, hopefully you will do whatever it takes to discover how to make it work in your life. Getting rich is not hard at all. It just takes "passive income".

Passive income applies to any business and any person. But what I'm going to do today is to show you how to use self directed IRAs (your private money) to create that tax free, passive income and capitalize on what I call the "Private Money Goldmine". I have recently discovered the power of investing in real estate with private money, and because of that knowledge I am creating a real estate empire for my family.

Real estate is the easiest way that I know to create passive income in your life and it does not require a Harvard education. So if you follow my steps and start thinking a little bit differently. Are you familiar with the power of a self directed IRA? It can truly transform your life.

This article is the blueprint for the average person to make fabulous amounts of money, tax free for life. I pray that this article blesses you the same way that is blessed me and that it allows you to triple your rate of return on your future investments.

As Always, Keep God 1st, Invest in People

Graphic Design: Degree Or No Degree?

Through my design career I have come across many job adverts for a graphic designer 'with a degree'. It always made me feel a little frustrated – "If I do not have a degree do you automatically assume I will not be good enough to join your company?". Surely a designer's portfolio and / or experience should say more than a piece of paper with a qualification on it.

I studied for a higher national diploma in graphic design at college and when the course finished I had the chance of pursuing a degree in graphic design or go for an advanced diploma in art and design. One of my lecturers told me that the degree contained more theory work where the advanced diploma was more practical. I opted for the practical work … after all that's what graphic design is.

The advanced diploma was only a year of study but most of the work was project based even if the deadlines were a bit too generous at times. However, since leaving college (armed with my qualifications) I admit that I learn more during my first design role and by teaching myself. That kind of education never stops with the design world and technology continuously changing.

This led me to question the importance of a degree as a designer and I know that I'm not the only one to ask this. In my honest opinion a degree does not automatically make someone more creative and successful than a designer who is self taught or who has learnt on the job. Their portfolio should be the strongest reflection of their skills and abilities especially when it comes to finding employment. Do companies advertising for a designer 'with a degree' honestly think that they are going to employ a better designer or is it a status thing?

Now I know that things have changed since I was at college so I thought I had a look at what degree courses my local college offers and found that they offer a BA in Art and Design. Here are the modules:

Year 1: Visual arts; applied crafts; digital arts; site specific design; graphic design; performance related design; web design; animation; self-employment; video production; community art; textile design; teacher or lecturer.

Year 2 : Creative skills and concepts; integrated project; visual literacy; digital applications; specialist options: skills development; contextual studies; personal development planning.

Year 3: Creative practice; contextual practice; specialist options: skills application practice; research skills; critical and contextual studies; pathways and concepts; professional and studio practice; professional and contextual studies; creative futures.

I did not study most of this stuff and I've spent 9 years in design studios working on a wide variety of projects of all sizes and with good feedback. I'm now working full-time as a freelancer trying to grow my own business. I like to think that I turned out okay without a degree.

So I guess my question is … does a degree make a better designer or is it all down to natural creative flair, experience and keeping up-to-date with the latest trends?

Affiliate Marketing – A genuine work from home opportunity?

Recent times have seen a major increase in people looking for work from home opportunities. We have all heard the "buzz words" internet scam and wonders if there really is a genuine home business that allows an individual to earn an income from the security of their own home. Affiliate Marketing is definitely an option to consider.

The basic idea behind Affiliate Marketing is directing prospective customers or "traffic" around the internet to merchants or organizations that have a product to sell. The methods used are quite simple. Each Affiliate marketer operates a website to display banners or links to direct prospective customers to the merchant's website. Each time a sale is made, the merchant pays a commission to the referring affiliate. Therefore, by definition Affiliate Marketing is revenue sharing between merchants with product or information for sale and the online "publishers" or website operators who provide the prospective customers via the links or banners and "sales pitch" text on their web site.

The commission paid varies depending on the company selling the goods and the product being sold. Some merchants offer percentage based agreements; others offer set dollar amounts depending on the value of the product, this form of commission is called "pay per sale". It is possible to earn commission from merchants for prospective sales or leads referred to as "pay per lead" and payments for prospect Buyers simply clicking on your links to a selling organization's site, this is referred to as pay per click.

Many successful affiliate marketers have set up web sites providing information on a specific topic often choosing their "product line" based on a personal interest, hobby or niche market that they have discovered through online research. Once the site is set up with links, banners and topic relevant information, it is simply a matter of promoting the site through advertising on search engines and "optimizing" their site to achieve good natural search engine results. Each time a web surfer clicks through your link or banner then makes a purchase, you collect the commission. You can even earn money while you sleep; how is that for a 24 hour 7 day a week business.

The sky is the limit, once you get your web site up and running, there are actually hundreds of internet companies offering affiliate marketing partnerships, with varied products for sale. One big advantage of affiliate marketing is the ability to promote diverse product lines and develop multiple income streams. The more products you have to sell the more commission you can earn. Affiliate marketing is really an opportunity to earn money with high incentives – the more effort you put in the more you can receive in return.

The key to successful affiliate marketing and learning a genuine income is selecting the right product or opportunity, and following proven information or guidelines that will produce online success and financial reward. If you are looking for a genuine home business opportunity, or just some extra cash, you should definitely consider affiliate marketing. There are genuine work from home opportunities on the internet. Affiliate marketing will require time and effort on your part, however getting started is a fairly simple process. If you are interested in starting your internet home business you can find more information at [http://www.workathomeasy.com].

Success With Bulb Container Gardening

There is nothing to give you the feeling that Spring is on it's way to see bulbs come into spectacular flower. Even if you do not have much space or you are affected by other factors such as poor soil, an uncertain climate, not enough sun or limitations in your own mobility then growing in containers provides the solution. Also container gardening is slightly easier in the sense that you can more readily guard against plant diseases and pest problems.

Part of the fun of creating a container garden can be in the unique items you choose to house your plants. As well as the standard terracotta, plastic, china or earthenware plant pots you could recycle and use watering cans, buckets, beer or spirit barrels, wooden planter boxes / crates, hanging baskets or even old tires. You can also use a range of sizes so there is something for everyone from the window-box in an apartment or balcony through to the other extreme of a large garden. Let your imagination run riot and you could create something really special.

Key Points To Remember When Creating Your Container Gardens:

  • All containers should have drainage holes and these are best sited in the sides rather than the bottom of the pots so that the roots do not get waterlogged. If the pots already have drain in the bottom then perhaps thing about lifting the pots on to bricks or small blocks of wood – anything really to elevate them slightly so that the water can drain away. Obviously the problem is solved if your container is hanging – so well done you!
  • The soil is the next step and this should be light, moisture retentive and well drained. It is best to avoid garden soil because as well as this possible being tainted by disease or insect problems it is also going to be too heavy. Thus only use as a last resort. Your plants will thrive best if they are in a blend of vermiculite or perlite, sphagnum moss and some finished compost.
  • Because your plants are in containers and to some extent can not spread their roots and fend for themselves you are going to have to keep a careful eye on watering. Check on your plants at least twice a day or alternately install a drip-irrigation system, use self-watering containers or water-holding crystals mixed in with the soil. None of these are essential, it just depends how much time you have to dedicate to the upkeep of your containers.
  • Again when it comes to container gardening your plants will be totally dependent on you for nutrients therefore when you are planting it is important to add granular organic fertilizer and then follow this up by weekly watering half-strength, water-soluble fertilizer.

As you can see container gardening really does offer something for everyone and it really is relatively easy to care for your plants and with such rich rewards. There are huge ranges of stunning bulbs and plants about and everyone from the beginner with a small window-box to the seasoned gardener with a large patio area can benefit. What's nicer that sitting with a nice cup of tea or chilled glass of pinot and gazing at all that blooming glory .