Five Secrets of Debt Management

There is an old saying: “When you find yourself in a hole, the first thing to do is stop digging.” When you are taking control of your finances, that old saying applies. The sooner that you can get control, the financial hole that you have to climb out of won't be as deep.
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When you get that first double electric bill, or when you find yourself using your credit cards to pay for the necessities, you are in trouble.
Stop digging. Take control now.

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1. Stop using your credit cards. Cut them into pieces and cancel the accounts. If you don't, the hole will only get deeper.
2. Sit down with a pencil and paper and figure out how much you have coming in versus how much you have going out. If income is more that out-go, you have a chance to get things right yourself. If income is less than out-go, you need to seek help from a qualified financial planner or debt consultant...NOW.
3. Cut your monthly expenses for the necessities. Eat in rather than out. Turn off lights when you leave a room. Raise or lower the thermostat so that less energy is used for heating and cooling.
4. Start saving money. All this requires is a trip by the payroll department where you work. Even if you start by having only a few dollars taken out of each paycheck and saved for you, it will be a beginning that you can build on. Think of saving as paying yourself first.

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5. Avoid all impulse buying. When you go to the grocery store, take a list, and stick to what is on the list. Don't look left or right at the checkout stand. Use cash to pay for groceries rather than a check.

Thank you,

Cicero B. King
http://jolaka.webprosperity.com

Oakland, Florida





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Getting Noticed on MySpace

Getting Noticed on MySpace

Getting noticed on MySpace is very similar to getting noticed in real life. Those who want to create a great deal of interest in their MySpace website should create an appealing website, offer something unique to visitors and make a concerted effort to meeting others on MySpace. Additionally, MySpace members should optimize their website for keywords they wish to be associated with to ensure other members will find their website when searching for these keywords.


Creating an Appealing Website


The most important step to being notices on MySpace is to create a website which is both aesthetically appealing and interesting to visitors. This is necessary because otherwise, members are not likely to spend a great deal of time visiting your website. Those who find your website will likely only spend a few moments on your website if you use garish colors or fonts which are difficult to read.

Conversely, websites which are designed to be appealing to the eye are more likely to hold an audience’s attention. Likewise websites filled with useful information related to a particular subject are much more likely to be interesting to visitors than websites which do not offer much useful information and are not really focused on a particular subject.



Offer Something Unique


A MySpace website can get noticed by offering something unique. Websites which are created with the help of a template can seem somewhat boring and may not really stand out among other websites on the community. Try investing in an original design to attract more interest on MySpace. More advanced website design on MySpace requires basic knowledge of HTML. Information on this subject is readily available in a number of locations. Those who are interested in learning more about HTML to create a more interesting MySpace website can find useful information on the Internet or in books. This information can be used to design a MySpace website in a way that will be unique and attention grabbing.

Those who do not have any design skills or the desire to learn about website design can still find a way to offer visitors a unique website experience. Websites which are designed with templates can still stand out by providing unique content. Members who are able to provide in depth information on a particular subject or a unique take on a situation in their blog can help themselves get noticed on MySpace.


Meeting Others on MySpace

Another way to get noticed on MySpace is to visit other members’ websites and place comments or send messages to these members. They will be more inclined to seek out your MySpace website if you left a message on their website than they would otherwise.

Those who make an effort to meet other members of the MySpace community are much more likely to attract a greater interest in their own website. The concept of friends on MySpace includes those who visit your website. Besides commenting on the websites of other members, MySpace users can also promote their MySpace website on other Internet locations. Including a link to the MySpace page in the signature line on discussion forums is just one way to promote your website.

Optimize Your Website on MySpace

Another way to create a greater interest in your MySpace website is through search engine optimization (SEO). This includes incorporating relevant keywords into your website in the hopes of making your website one of the first ones noticed by members who search for particular keywords. This not only helps to get a website noticed on MySpace but makes it much more likely that the website will be noticed by members of the target audience. Those who are searching for information on particular keywords featured on your website are those who are also more likely to be interested in the content of your MySpace website. The SEO step is very important for those who want to attract a particular audience but for members who are just interested in making a large number of friends through MySpace, SEO is not really necessary.


Cicero B. King

Generating Traffic to Your MySpace Website

MySpace is an exciting online community where members can make new friends, reconnect with old friends, network or even find potential romantic partners. While there are some MySpace members who join the community simply for the ability to stay in touch with their old friends and are not looking to make new friends. These members may keep their websites private to not allow other users to view their personal information and may not spend a great deal of time visiting public websites of other members. However, most MySpace members are interested in making a great deal of friends online and are always looking to generate more traffic to their website.

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Create an Interesting MySpace Website

One of the simplest ways MySpace members can generate increased traffic to their website is to create a website which is both aesthetically appealing and interesting to others. The aesthetic appeal of a website can greatly influence the amount of repeat traffic a MySpace website receives. For example members who use garish colors and fonts which are too small or otherwise difficult to read may not receive repeat traffic even if the content of their website is very interesting and engaging. This is because other members may lose interest in the website quickly.
The other part of an excellent website design is interesting and intriguing content. A website which is aesthetically appealing may entice visitors to peruse the content but if it is simply not interesting and engaging the visitors are not likely to spend much time on the website and are also not likely to return. However, MySpace members who fill their website with exciting content are likely to keep visitors interested. When visitors are interested in the content they are likely to return and also to encourage others to visit the website as well.

Visit Members’ Websites
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Another way to generate increased traffic to your MySpace website is by visiting the websites of other members. You can use the search feature to find other members who share your interests. By visiting their websites you will get a better idea of whether or not you are interested in being friends with these members. When you encounter other members you might be interested in meeting you can sent them an email or instant message commenting on their website and asking to be added to their network of friends. You can also suggest they visit your website as well. Those who make an effort to meet other members are likely to increase their own web site traffic.

Invite Friends to Your MySpace Website

Finally, MySpace members can generate additional traffic to their website by inviting others to visit them. They can speak directly to friends and family members and encourage them to view their website. Also, those who participate in other online communities such as message boards may include a link to their MySpace website in their signature so those who want to learn more about them can visit their MySpace profile.

MySpace also has an invite feature which enables members to send messages to others to encourage them to start a MySpace account. Members who have friends or family members who do not belong to the MySpace community can send them one of these invitations to encourage them to participate. The invitation can include a link to the members MySpace website to give the others an idea of what MySpace really is.

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Cicero B. King

Finding Old Friends through MySpace

The MySpace community is a wonderful forum which allows members to make new friends. While most users of MySpace are aware of the opportunity to make new friends through their interactions in the community, some of them may not realize MySpace can be used to find old friends with which you have lost contact. Although most people have the best of intentions of staying in contact with friends, this often does not happen.

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There are a number of reasons including careers, family obligations and social commitments which prevent old friends from staying in touch. Fortunately, MySpace offers a way for these old friends to reconnect. Although there are countless ways for old friends to find each other on MySpace we will describe three methods for finding old friends on MySpace which are popularly used by members of the community.

Let Them Come to You.

The easiest way to reconnect with old friends on MySpace is to let them find you. Joining MySpace and creating a website profile may be all it takes for some members to find old friends within the community. If you are looking for an old friend, chances are they often wonder about you as well. If this old friend is already a member of MySpace they may occasionally search for you by name, nickname or interests throughout the community. MySpace has a search feature which gives users a variety of options which can help them to find long lost friends.


While this may seem like a passive approach to finding old friends on MySpace it can be very effective. It is especially effective when the lost friend is already a member of the community and is actively seeking to reconnect with you as well.

Do Your Research

A more time consuming way to reconnect with an old friend on MySpace is to search for them. This process can be incredibly time consuming and possibly fruitless or it can be extremely easy and rewarding. When searching for an old friend, begin your search by entering their complete name into the search feature and using the search by name button. If your old friend is a member of MySpace and has used his full name you will find him easily. There may be multiple results especially if your friend has a common name but you will likely recognize your friend when you come across his MySpace website.

If entering your friend’s complete name does not return any useful results you can also try entering their nickname. Members who do not use their full name when registering on MySpace often use a nickname as their moniker. Even if they don’t a search of the nickname may lead you to your friend’s website if his other friends refer to him by this nickname in their comments left on his website.

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Finally, you can try using keywords related to your friend’s favorite hobby in searching for an old friend. This method is likely to be the most time consuming and may return countless result of those who share the same hobby as your friend.

Make a Plea

If all else fails, in searching for an old friend on MySpace you might consider making a plea for anyone who knows him to contact you on your blog or elsewhere on your website. You may find this leads to you being contacted either by your old friend directly or by someone who knows him and can provide you with contact information. This may sound like a farfetched search option but it is actually quite plausible.

Many people enjoy the anonymity the Internet offers and are careful to avoid revealing personal details about themselves online. This may make it quite difficult for you to find an old friend on MySpace but it does not mean he is not a member. If he is a member it is likely he will find a blog posting on another website inquiring about where he is. This is because humans, by nature, can be quite narcissistic and it is not unusual for members of MySpace to routinely enter their own name into the search feature on MySpace to see if anyone is talking about them in the community.

To Your Success,

Cicero King

Home Income Portal Franchise Owner
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How To Reorganize Your Time To Accomodate A Home-Based Business

Almost everyone needs or wants more money coming in, and withthis desire most would like to start some sort of extra incomeproducing project. The trouble is, not many of these people seemable to fit "a second job" into their time schedules.
It's true that most people are busy, but extra time for some sortof home-based extra income producing project can almost always befound. It may mean giving up or changing a few of your favoritepastimes--such as having a couple of beers with the guys orwatching TV--but if you score big with your extra income project,you will have all the time you want for doing whatever you whatto do.

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Efficient time management boils down to planning what you'regoing to do, and then doing it without backtracking. Start bymaking a list of the things you want to do tomorrow, each eveningbefore you go to bed. Schedule your trips to the store orwherever to coincide with the other things you have to do, andwith your trips to or from work. Organize your trips to take careof as many things as possible while you're out of the house.take stock of the time you spend on the telephone---and eliminateall that isn't necessary.

Whatever chores you have to do at home, set aside a specific timeto do them, and a specific amount of time to devote to them. Forinstances, just one hour a day devoted to yard work wouldprobably make your property the envy of all your neighbors. Don'ttry to do a week's work in one big flurry. Whether it's paintingyour house, fixing leaky faucets, or mowing your lawn andtrimming your shrubs, do a part of it, or one particular job eachday, and you'll be amazed at your progress.


Take care of all your mail the day, you receive it. Don't letthose bills and letters pile up on you. If you're unable to pay abill immediately, file it in a special place that's visible, andnote on the envelope the date you intend to pay it. Answer yourletters the same day you get them.
Once you start listing and planning what to do, and then carryout your plans, you'll find plenty of "extra time" for handlingvirtually any kind of home-based income producing project. Peoplein general may not like routines or schedules, but without somesort of plan as to what is supposed to be done, the world wouldbe mired in mass confusion. Laws, ordinances and regulations arefor the purpose of guiding people. We live according to anaccepted plan or way of life, and the better we can organizeourselves, the more productive and happy we become.
The secret of all financially successful people is simply thatthey are organized and do not waste time. Think about it. Reviewyour own activities, and then see if you can't find a couple ofextra hours in each day for more constructive accomplishments.

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When you begin planning, and then when you really become involvedin an extra income producing endeavor, you should work it exactlyas you have organized your regular day-to-day activities---on atime basis. Do what has to be done immediately. Don't try to getdone in a hour something that's realistically going to take aweek. Plan out on paper what you have to do--what you want todo--and when you are going to do it. Then get right on eachproject without procrastination.
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Finally, and above all else, when you're organizing your time andyour business, be sure to set aside some time for relaxation. Besure to schedule time when you and your spouse can be together.You must not involve yourself to an extent that you exclude otherpeople--particularly your loved ones--from your life.
Taking stock of the time you waste each day, and from there,reorganizing your activities is what it's all about. It's amatter of becoming more efficient in the use of your time. It'sreally easy to do, and you will not only accomplish a lot more,you will also find greater fulfillment in your life.

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How Does Thinking Make a Difference?

I would like you to take a moment and reflect upon a very thought provoking article by Ed Foreman.

Every one of us, at one time or another, has experienced difficulty. If you haven't, you're likely to… such as the loss of a job, a business failure, an unexpected drop in stock market prices devaluing your retirement portfolio, fire, flood, divorce, the loss of a loved one, etc. How we deal with that difficult experience determines its impact upon our lives. Long term, it is not what happens to us that's so important.

It is how we respond to what happens to us that makes the difference! Does that mean we can actually alter "reality" by the way we "think" about it? YES, we can.
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The next likely question; then is, "I suppose you'd be happy, confident, cheerful, positive and enthusiastic if your spouse had just walked out on you or if you'd just lost your job?" Only if you desire reconciliation with your spouse, or if you want to remarry. Only if you desire to get another job equal to or better than the one you had!

If you go around complaining, whining and criticizing your former spouse, telling everyone how unfair, inconsiderate, no-good, and difficult that person was, do you think they would want to marry you? If you criticize and complain loud and long enough, they'll soon understand why your spouse left you!

Do you think a prospective new employer would want to hire you if you are critical, condemning and remorseful about your previous employer? Or about how thoughtless, unappreciative and unfair they had been to you? They probably already have their quota of sourpusses!

All of us regret the loss of a loved one, young or old, and there will always be a reasonable period of mourning. However, to hang on to, and dwell upon that hollow, hurtful feeling and painful memory for an extended length of time will begin to take its toll upon you. Physically, mentally and emotionally and upon your love, appreciation and feeling for those whom you still have in your life.

Reflect lovingly upon the positive impact that person had upon your life, review the good times you shared together and celebrate their life, instead of dwelling upon their departure! Life is uncertain, no one is here eternally. Enjoy and savor the time we have (or that we've had) together, here, now, and today.

Our life, our health, our being, becomes what we THINK. YES, our cells are always eavesdropping on our thoughts. Thoughts are real things that cause actions that develop into habits that make us happy or sad, relaxed or tense, healthy or sick, rich or poor. Life is for living not just for enduring, not for just tolerating, but to be lived, savored and enjoyed.

Make today a good day and you'll have enjoyed a GOOOD LIFE, today. Repeat the process, DAILY. It becomes a Habit!

Ed Foreman

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Cicero King