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Build Your Self Esteem, A Starter Guide To Self Improvement

So how do you stay calm, composed and maintain self esteem in a tough environment?
Here are some tips you may to consider as a starter guide to self improvement.

Imagine yourself as a Dart Board. Everything and everyone else around you may become Dart Pins,
 at one point or another. These dart pins will destroy your self esteem and pull you
down in ways you won’t even remember. Don’t let them destroy you, or get the best of you.
 So which dart pins should you avoid?

Dart Pin #1 : Negative Work Environment

Beware of “dog eat dog” theory where everyone else is fighting just to get ahead.
This is where non-appreciative people usually thrive. No one will appreciate your contributions even if you miss lunch and dinner, and stay up late. 

Most of the time you get to work too much without getting help from people concerned.
 Stay out of this, it will ruin your self esteem. Competition is at stake anywhere.

 Be healthy enough to compete, but in a healthy competition that is.

Dart Pin #2: Other People’s Behavior

Bulldozers, brown nosers, gossip mongers, whiners, backstabbers, snipers, people walking wounded, controllers, naggers, complainers, exploders, patronizers, sluffers… all these kinds of people will pose bad vibes for your self esteem, as well as to your self improvement scheme.

Dart Pin #3: Changing Environment

You can’t be a green bug on a brown field. Changes challenge our paradigms. It tests our flexibility, adaptability and alters the way we think. 

Changes will make life difficult for awhile, it may cause stress but it will help us find ways to improve our selves.

 Change will be there forever, we must be susceptible to it.

Dart Pin #4: Past Experience

It’s okay to cry and say “ouch!” when we experience pain. But don’t let pain transform itself into fear.
It might grab you by the tail and swing you around. Treat each failure and mistake as a lesson.

Dart Pin #5: Negative World View
Look at what you’re looking at. Don’t wrap yourself up with all the negativities of the world.
In building self esteem, we must learn how to make the best out of worst situations.

Dart Pin #6: Determination Theory

The way you are and your behavioral traits is said to be a mixed end product of your
inherited traits (genetics), your upbringing (psychic), and your environmental surroundings
such as your spouse, the company, the economy or your circle of friends. You have your own identity.

 If your father is a failure, it doesn’t mean you have to be a failure too.
Learn from other people’s experience, so you’ll never have to encounter the same mistakes.

Sometimes, you may want to wonder if some people are born leaders or positive thinkers.
NO. Being positive, and staying positive is a choice. Building self esteem and drawing lines
for self improvement is a choice, not a rule or a talent. 

God wouldn’t come down from heaven and tell you – “George,
you may now have the permission to build self esteem and improve your self.”  

In life, its hard to stay tough specially when things and people around you keep pulling you down.
 When we get to the battle field, we should choose the right luggage to bring and armors to use,
 and pick those that are bullet proof. Life’s options give us arrays of more options.

 Along the battle, we will get hit and bruised. And wearing a bullet proof armor ideally means ‘self change’. 

The kind of change which comes from within. Voluntarily.
 Armor or Self Change  changes 3 things: our attitude, our behavior and our way of thinking.

Building self esteem will eventually lead to self improvement if we start to become responsible for who we are, what we have and what we do. Its like a flame that should gradually spread
like a brush fire from inside and out.

 When we develop self esteem, we take control of our mission, values and discipline. Self esteem brings about self improvement, true assessment, and determination. 

So how do you start putting up the building blocks of self esteem? Be positive. Be contented and happy. 

Be appreciative. Never miss an opportunity to compliment.

 A positive way of living will help you build self esteem, your starter guide to self improvement.

How To Manage Home Business Cash Flow Effectively

There's something you can never afford to forget when you are running a
business out of your home --  cash is king!

Whether it is a multi-billion dollar empire, such as Bill Gates' Microsoft,
or the tiny mom-and-pop convenience store on the street corner, cash is the
life blood of the business.

In today's uncertain economy with ever rising interest rates, many small
businesses with limited financial training are having problems staying
alive, let alone prospering. 

 In fact, 63% of new businesses don't survive six years -- and most work-at-home people fail within 6 months!

The primary reason is bad cash management.  To many self-employed people
neglect their cash flow until it is too late to recover.  Suddenly, presto!
it 's back to your office job!  We don't want that to happen.

So the big question is: will you be able to manage your cash flow
effectively?  If you are not sure, then you are on shaky ground.

Les Masonson, author of Cash, Cash, Cash: The Three Principles of Business
Survival and Success, says cash flow is all about, "getting the money from
customers sooner, paying bills at the last possible moment, concentrating
money to a single bank account, managing accounts payable, accounts
receivable and inventory more effectively, and squeezing every penny out of
your daily business."

Let's break down Masonson's tips one at a time.


In your business, you should collect money as fast as you can.  To do so,
try these four things:

(1) Try to speed up customer orders by having them fax their orders to you.

(2) Send out your invoices the same day goods are shipped, not a week or
two later.

(3) Indicate on your invoice when payment is due, and specify the penalty
interest for late payment.

(4)Consider using a bank lock box (post office box strategically located
near customers to reduce mail time) to collect your mailed checks from
customers across the country.  You lock box bank picks up mail around the
clock including weekends, processes the checks and credits your account.

(Note:  this last step is probably more appropriate for businesses grossing
more than $25 million annually.  You may not be there yet, but keep it in
mind for when you get there)!


This seems only obvious, but it's extremely important.  In fact, here are
Masonson's six sure-fire suggestions for getting the fastest availability
on deposited checks.

(1) Always deposit checks the same day they are received.  Don;t hold
checks until the next day because you lose one day's float.  Key point: you
can lose three days of float by not depositing Friday's checks until

(2) Obtain availability of 0 to 2  days on deposited checks.  Don't let
your bank give you the customer availability of 1 to 5 days.  Be
persistent.  Ask the bank for its "availability schedule" and scan it to be
sure you're receiving fast availability of two days or less.

Each bank has its own availability schedule.  This is used to assign check
availability to consumers, business (commercial accounts), and large
corporate accounts.   

Availability is the number of days until you can use the money deposited by check as cash.  For example, a $1,000 check deposited today and assigned a one-day availability can be withdrawn as
cash tomorrow.

(3) Don't deposit checks in a bank's Automated Teller Machine or use the
Night Depository since you have no evidence that you actually deposited the
checks you said you did.  Remember, you only receive a receipt that shows
the time and dollar amount on the deposit at the ATM, and you get no
receipt at the Night Depositor.

(4) MICR encode your customer's checks (using a machine that prints
magnetic ink on the bottom of the check) with the dollar amount before
depositing them in the bank if you deposit more than 500 checks per month.

Banks charge 3 to 5 cents less for each encoded check.  Used encoded
machines cost about $1,500.  (Check your Yellow Pages under bank equipment
for dealers).  Besides saving money, you may get another benefit: faster
check availability.

(5) Ask you bank about its deadline for receiving availability on deposited
checks.  Some banks may require a deposit of an encoded check by 2 p.m.,
even though the bank is open to 5 p.m.  Make sure you make this deadline,
otherwise you lose one day's float.

(6) Before using a bank's ATM for check deposits, find out the bank's
availability deadline.  Some banks have a 12 noon cut-off time which means
that any checks deposited later are considered to be deposited the next
day!  In that case, you lose an entire day's float, even though you did
your bit to get the checks cashed.


Many people think it is no big deal to neglect accounts receivable until
bills are collectible.  This is bad cash flow policy.  Here are seven
excellent tips for handling accounts receivable:

(1) Check the financial health of a new customer before offering them
credit.  One way of doing this is by using a rating service, such as Dun &
Bradstreet (1-800-234-3867).

(2) Ask a new customer for five business references and don't neglect to
call them.

(3) Don't offer too generous discounts, such as 3% for payment in 10 days.
A better rate is 1.5% cash discount.  It costs you less.

(4) Charge a "late fee" of 2% per month to customers who pay late and
charge back customers who take discounts after the discount periods.

(5) Follow up on late payers with phone calls and letters.   These may seem
a bit extreme, but the first letter should go out the very day the amount
is one day late!  After 30 days late, start this sequence:

-- send out a letter from your attorney
--turn over the account to a collection agency
--use a collection attorney

(6) Don't send out new merchandise if bills remain unpaid.  Remember that
bad debts hurt your bottom line!  Be vigilant and try to get at least
periodic payments from slow payers.

(7) Instruct your bank to automatically deposit "returned checks."  Ask
your bank if they offer Return Item box service.  If they do, then use it
to redeposit your check and charge back the bank return item free to your

These seven steps are tough and unrelenting, but they may make the
difference between a positive cash flow month and a sluggish month for your

It may seem a bit hypocritical to demand swift and exacting payment, and
then do what we suggest next.  But just remind yourself, all (almost) is
fair in love and war and business.


Just the opposite of collecting at the earliest possible moment, you should
never pay a day sooner than you have to, unless you get a discount for
doing so. 

 A lot of people believe in staying ahead of bills and paying
them as early as possible, but that's just poor cash management.  You want
to keep your money in your hands as long as you can. Here are five
suggestions to slow down your disbursements:

(1) Pay your invoices on the last day they're due, not before.

(2) try to mail your payment on Thursday or Friday to pick up a few extra
days mail float over the weekend.

(3) Use business credit cards for travel, lodging, meals, and small
expenses for yourself and your employees.  With credit cards you typically
don;t have to make payment until 25 days after receiving the statement.

Use this float by investing the money.  In total, you can typically keep
your money invested for 45 days from date of purchase.

(4) Don't issue advances to employees.  Have them use their personal credit
cards or business cards, if you provide them

(5) Consider setting up a remote disbursement checking account in another
state to extend the check clearing float by at least a day.  This practice
is used very successfully by 17% of large companies.   

The downside of this practice is that some vendors may complain about their delayed availability
on their bank deposit.  But this can be overcome by mailing them their
checks one day earlier.

Now, many small businesses neglect to reconcile their monthly bank
statements or assume that the bank never makes a mistake.  Banks do make
mistakes, and you must stay on top of your disbursement to control your
cash flow. 

 If you are one of those people who simply can't stand to
balance you check book, you can use a bank's standard account reconcilement
services for a low monthly price -- $30 to $70  base charge and 5 to 7
cents a check.  When is it best to use a bank's reconcilement service?
Here are six suggestions:

(1) When you have a monthly check volume of at least 500 checks.

(2) When you need specialized reports.

(3) When you are currently performing your own reconcilement.

(4) You can find software at a reasonable price that meets your needs.
Companies offering accounting software include DacEasy, Inc.
(800-877-8088); Real world Corp (800-678-6336) and Peachtree

(5) When you don't have your own PC or any other kind of computer system.
(We already warned you about that).

(6)  When you have no staff to do it, or time to do it yourself.


Many businesses make the mistake of keeping too much money in their bank
accounts to pay for bank services.  This money could be used more
effectively elsewhere -- such as to pay off a loan or to invest at a more
competitive rate.  

 Many businesses have no idea how much money to leave in
the bank or what alternatives they have to compensate the bank.  Take some
time to find out what your minimum balance needs to be.


How do you know how much money (bankers refer to this as "balances") to
leave in your checking account to pay for bank's services?  That's a
question that more business owners should be asking themselves.

(1) First, get a price list which shows how much your bank charges for
services like account maintenance, checks deposited, checks paid, stop
payments and wire transfers.

(2) Ask the bank to send you a monthly "Account Analysis Statement."  The
analysis statement contains the average balance levels for the month --
both the ledger and the available balance -- as well as a listing of
services used, their transaction volumes and cost.  This statement should
be obtained in addition to the regular monthly bank statement.

(3) Look at the account analysis to see whether you are overcompensating
the bank.  Then pull out any excess funds and invest them in a
high-yielding money market mutual fund, for example.

A word of advice:  Smaller banks may not know what you are talking about
when you ask for an account analysis.  Larger banks often offer such a
statement, but you have to ask for it.  And don't let them charge you for
this kind of statement since it is only an invoice.


Every item you have sitting on your shelf should eventually be transformed
into cash in your bank account, and the sooner the better.  As long as it's
inventory, it's basically dead weight.  If it is not moving, you're not
having cash flow.

Here are six recommendations to minimize the cost of your inventory:

(1) Attempt to forecast as accurately as you can the day, week and month
what you expect to sell.

(2) If you are dealing in more than one item, determine which item accounts
for 80% of your sales.  Then minimize ordering other items that are selling
poorly or infrequently.

(3) Determine how fast you can get inventory, once you order it.  Try to
order as late as you can.  Some firms can use "just-in-time" inventory
which enables them to receive their order the day they need it.

(4) Determine your economic order quantity and don't order too much
inventory just to save a few pennies.

(5) Shop around and make sure you are getting competitive prices.

(6) Develop a policy for determining what is obsolete inventory, and how
you can get rid of it.  The best way to get rid of dead inventory is to
sell it whatever you can get for it, even if that's only 10 percent of what
you paid for it.  At least it will generate cash flow.


Once of the most exceptional ways of controlling and improving cash flow
well into the future is by employing something called continuity of sales
or services.

Continuity sales are simply a contract to purchase products or services on
an installment basis for a fixed period of time.

That may sound complicated, but in practice, it actually is not.  The best
example of a continuity sale is a magazine subscription.  12, 24, or 36
issues delivered each month for X amount of dollars.  The bigger the
subscription, they better deal you get.  The publisher gets more money up
front, and the customer gets a better deal in the long run.

Continuity can apply to anything.

Let's say you own a dry cleaning business.  How about an annual deal to
clean 5 shirts or blouses per week for set amount  of money?  Get people to
pay your for the entire week up front for a lot of fast cash flow. You'll
trade a discount for getting business, but you'll ensure a steady cash flow
for months to come.

Continuity works with just about any kind of product or service you are
offering, from dry cleaning to to your personal consulting service.

You can structure payments for continuity sales on almost any basis, but
it's best by far to go for complete payment up front.  After all, the
discount is based on a customer's commitment, and they'll be a lot more
committed with their money on the line.


After all is said and done, if you were to list the assets of the company
you have created, you'd probably include your inventory, equipment,
accounts receivable, equity, and so on.

But by this time, especially if you have been reading carefully, you have
something more -- something that is not necessarily a physical "thing" such
as cash or inventory.

If you've been a clever business person, you have come up with certain ads
that have out pulled your competitors.  You have developed policies and
procedures that have kept your returns and refunds the lowest of any

 Or you may have come up with a money-making technique that is
completely unique.  If so, you are potentially sitting on fast source of

You can license the rights to use any of your specialized techniques or
assets to other non-competitive businesses.  You can do it for a flat fee,
a percentage of profits, on a royalty basis, or any other way that makes
sense to you.   

You can also conduct seminars to teach your techniques to other would-be work-at-home entrepreneurs and charge whatever the market will bear.  It's easy to generate an extra $5,000 a month and much more on the lecture circuit.  While you are getting paid to spread your knowledge,
you will be drumming up more business.

The knowledge you have in your head right now could very well be worth a
lot of money.  It's only a matter of you looking within yourself and at
your successes to see how you can transform it all into real, hard cash.

Using Message Boards for Internet Marketing

Internet marketing is a very wide term which can be used to encompass a variety of marketing techniques which are used online. 

Banner advertisements, website promotion, search engine optimization, email marketing and affiliate marketing all fall under the umbrella of the term Internet marketing but there is even more to Internet marketing than those concepts. 

Promoting your website or business on message boards can also be considered to be Internet marketing. In fact this is one of the simplest and least expensive Internet marketing options available. 

This article will examine how savvy business owners can use Internet message boards wisely. It will also explain how message boards can be misused and rendered ineffective as well.

Message boards are essentially online meeting places. In general most message boards are focused on a particular niche subject and encourage those who share an interest in this particular subject to get together to discuss relevant issues, ask questions, provide advice and even just socialize. 

Message boards can focus on any subject imaginable they may focus on a particular baseball team or just the sport of baseball in general. Message boards can focus on subjects such as politics, television shows, bands, current events, jobs, hobbies or any subject imaginable. Savvy Internet marketers can take advantage of these message boards to reach a target audience without investing a great deal of money.

Consider a business in which the focus of the business is to assist people in finding jobs which offer telecommute options. The concept of working from home is becoming increasingly popular and there are many websites which focus on this subject. Likewise there are also many message boards devoted to the topic of working from home. 

Here those with an interest in the subject meet to discuss issues such as finding employment where working from home is an option, working around the schedule of your children, setting up a home office, dealing with friends or family members who don’t respect your working hours and paying taxes on freelance assignments.

 A business owner who actively participates in this message board can take the opportunity to post a link to his website when it is relevant and offers something of value to the conversation. This is worthwhile because the message board features a high concentration of your target audience members.

When using message boards to promote your business, it is important to ensure you are following the rules associated with the message boards. Message boards may have restrictions regarding the posting of links and failure to abide by these restrictions may result in you being banned from the message board. 

For this reason it is important for anyone who is interested in using message boards for promotion of their business to carefully read the user agreement to ensure they are not violating any of the rules. It is also important to simply use common sense when promoting your business on a message board.

 Just because the rules do not restrict posting links, does not mean you should spam the board with your link. Take care to only include y our link when it is relevant. This will prevent message board users from assuming your link is just worthless spam.

Finally, when using message boards to promote your business it is important to be courteous to other message board users and to keep all posts professional. This is important because you and your business are much more likely to be taken seriously if you act professionally and responsibly. 

You should maintain this degree of professionalism even in posts which do not include your business link. 

This is important because other message board participants will remember you by your user name and will not be likely to take you seriously if you have previously made posts which were offensive, mean spirited or inaccurate. 

For this reason it is important to act as a representative from your company at all times.

Markets And The Dynamics of Competition

Today marketing is not the same as it was in the ‘70s or ‘80s, because there are enough products to satisfy customer’s needs.  In fact customers are “hyper-satisfied”!  Companies have segmented the market until it has become almost too small to service profitably.

Distribution is now largely in the hands of giant corporations such as Wal-Mart and Costco. There are more brands and fewer producers, products “life” have been shortened, and it’s cheaper to replace than to repair - all complicating the process further.

Marketing has always started with identifying the needs of your customer, but many companies are now focusing on the product.  They focus on what category it falls into, and then what sub-category (for instance pudding and then what flavors). 

By focusing on the product, companies then focus on who’ll use the product, and those considered “not using” are excluded from the picture.  In doing this, you’ve just given your competitor a target market.

You may have captured 75% of your “user market” because you have a USP (unique selling position) i.e.; more flavors, more convenient packaging, longer shelf life, etc.  But why can’t YOU also take care of the other 25% instead of your competitor?

To do that, requires a new way of thinking known as “Lateral Marketing”.  Stop thinking about how you can keep the 75% in love with your product (Vertical Marketing), think about drawing in the 25% of the market that wasn’t your customer.  This is done by innovative thinking.  This may be seen as further “segmenting” the market-place, but at the same time it’s making it bigger.

 Let’s say you sell soap.  You’ve captured 75% of your market because of some formulary development that makes more suds with less product.  The 25% that your competition is trying to capture would rather spend less for soap, than use less.  Your method of also capturing that 25% is to start thinking “innovation” and not different product.

Lateral Marketing works within the original category of product and complements it, not competes with it.  You could come up with a soap with more bleach, with less foam, fragrance free, with more foam.  You can innovate by size – selling in large economy packs, selling in individual packs, and do this without ever changing the formula of the product. 

 This type of marketing works best for mature markets with no growth (after all, what new uses can you come up with for soap).  It also can create markets from scratch, requires greater resources, and may redefine your company’s mission and business focus.

This innovative method of marketing doesn’t create “new” categories or markets, it always occurs “within” the category where the idea originated.  If you’ve done everything right, you’ve garnered the 25% of customers that might have got away and it didn’t require a lot of overhead – you’re still producing soap!

10 Steps To Success In Direct Sales

Every year thousands of men and women across America sign on with
direct selling firm-Tupperware, Amway, or a cosmetic

company-hoping to make money enough for new draperies, a new

davenport, or some new clothes. 

They sell a little merchandise to a few relatives and close friends. Then they are through. They

quit before they give themselves a chance to learn the basics of

success in sales. "I am simply not a born salesperson," they

often say.

No one is born a salesperson, any more than one is born a doctor

or born a lawyer. Sales is a profession. To be successful in any

profession one must learn not only the basic techniques, but also

how to apply those techniques. Success in sales makes use of all

the abilities one is born with, plus all those acquired through

education and experience.

If you are looking for a career opportunity or "extra income" to

help with the family budget, direct selling offers you

dream-fulfilling possibilities. However, you must give yourself

time to learn the techniques of sales. Ask yourself. "How long

does a doctor to be study? A lawyer to be study?"


Direct selling is marketing a product directly to the consumer

with no middleman involved. Most reliable firms are members of

the National Association of Direct Selling

Companies. They bring to the public fine products that are

modestly priced in order to insure mass consumption.

Most direct selling companies furnish their representatives with

a starter kit and essential supplies below-cost prices. In many

instances the investment is under $100.

There is an old adage which says "Give a man a fish and you feed

him for a day. Teach a man to fish and you feed him for a


Many of them were able to change their lives for the better. They

took their families on nice vacations. They purchased a piano or

an organ and provided music lessons for their children. They

saved money for college education. They redecorated their homes,

bought needed furniture. One highly successful saleslady built a

new home.

The rewards of direct selling are many

1. You can be your own boss.

2. You can set your own hours.

3. You can own your own businesses with little or no investment.

4. You can pay yourself more than any boss would ever pay you.

5. You can give yourself regular raises as your business grows.

It is only fair to tell you that there are failures, too. There

are people who will not work for themselves. When working for a

boss, they rise early, are well-groomed, and get to the office on

time. However, when they are their own boss, they are still in a

bathrobe, drinking one more cup of coffee at 11:00 A.M.

If you can be your own boss and discipline yourself to do what

has to be done when it has to be done, direct selling offers a

most unusual earning opportunity.


Here are ten steps that will assure your success:

1. BE A GOAL SETTER. What do you want to accomplish? Do you want

to save for college education for your children? A new car? A

new home? You can have whatever you want, but you must want it

enough to do the things that have to be done to get it. Whatever

your goal, write it down and set a target date for reaching it.

Divide the time period into blocks of achievement that are

reachable. Work consistently toward accomplishing each day, each

week, each month what you set out to do. Goal-setting is a must

in every area of life. Little is ever accomplished without

definite goals.

2. BE A LIST MAKER. Each evening list all the things you want to

get done the following day. That gives you an organized approach

to each day. As each task is finished, mark it off your list. 

It is amazing how much gets done when one works with a

"things-to-do" list. Also, have a notebook listing appointments,

potential clients, repeat clients, and referrals, and keep it

with you at all times. You will be adding to it constantly.

3. BE ENTHUSIASTIC. Enthusiasm is the high-octane "fuel" that

salespeople run on. Enthusiasm generates its own energy. Energy

and good health are synonymous with busy, happy people, people

who are achieving.


sales we don't have to wait for business to come to us. We create

our own business by asking for it. Ask for appointments, then you

can do business. Ask for business, then you will close sales. Ask

for referrals, then you always have a full list of potential

clients. Be quietly, yet firmly aggressive.

5. EXPECT NO'S. Realize that no's are not personal. In sales, as

perhaps nowhere else, the law of averages works. Every no gets

you closer to a yes. Keep track of your ratio. It will help

improve your techniques. Are you getting ten no's to one yes? Is

your ratio five to one? 

Remember, the yes's are your income. Also remember that "no" does not necessarily mean "no." Often a "no" is simply a stall for more time to think. It may be a request for

more information about your product or your service. What your

client is actually buying is assurance. Assure here by your

helpful attitude and your complete honesty, that you want what is

best for her. She will most likely respect you and do business

with you.

6. SCHEDULE TIME WISELY. A schedule is the roadmap by which

salespeople travel. It takes the frustration out of the day. It

assures that the necessary things get done and get done on time.

Plan your work then work your plan.

7. BE POSITIVE IN YOUR ATTITUDE. Success in sales, as in all

areas of life is 90 percent attitude and 10 percent aptitude. All

of us must work at developing habits of constructive thinking. I

am proud to be a salesperson. Sales make the wheels of our

economy turn.

 Bernard Baruch, Adviser to several presidents, is

quoted as saying, "If every salesperson sat down and took no

orders for twenty-four hours, it would bankrupt our country!"

Every company that manufactures any kind of product depends upon

salespeople to move that product. Without salespeople business

would be paralyzed.

Remember, sales is one of the highest paid of all professions.

Statistics show that good salespeople enjoy incomes far above the


8. HAVE AN OFFICE AREA. Most direct salespeople work from their

own homes, but it is essential to have a place where you can work

in a organized and efficient manner. 

An office plus a strict working schedule gives you dignity. Both are absolutely essential

for efficient operation and accurate record keeping, so important

to the success of any business.

9. BE INVOLVED. Most sales organization offer contests to

stimulate production. Include winning contests as part of your

business goals. Contests make your business fun as well as adding

considerable dollar value to your income.

A regular nine-to-five job usually means a paycheck at the end of the second week.

Direct sales "reps" handle money constantly. Direct sales is

instant income and constant income. Therefore. it is absolutely

necessary to become an efficient money manager.

Deposit every penny collected from

clients into a checking account set up especially for its

business. Since bank statements show an exact record of all

monies collected, and business expenses can be verified by

canceled checks, record keeping becomes simple and accurate.

Everything except a few "petty cash" transactions can be directly

taken from bank statements.

Money saved regularly and put at interest, soon develops a second

income in addition to earned income. A long-term goal, which is

realistic in direct sales, is to be able to live in retirement

off the interest earned on savings.

Would financial security mean a lot to you? If so, ask yourself

these questions:

* Am I honest?

* Do I really like people?

* Am I willing to learn?

* Am I willing to work?

* Am I capable of being my own boss?

If your answers are yes, to find a good product

for the direct sales market, one that you like, one that fills

the need of a lot of people, and go to work for yourself! .You

can turn dreams into reality.

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