Sekolah dari kecil hingga dewasa, Kerja keras sejak muda hingga tua lalu ketika tua tidak bisa apa-apa, Punya waktu bebas tetapi tidak punya uang, Punya uang, ada waktu tapi tidak sehat,
Apakah ini masa depan yang anda inginkan?
Jika Jawaban Anda:
TIDAK
Lakukan Lompatan!
Buat Perubahan!
Berhentilah sejenak, bayangkan, jika waktu dan uang bukan lagi masalah untuk Anda...
Seandainya Anda bisa mengantar anak pergi kesekolah, melihat mereka bermain dan tumbuh, tidak meninggalkan mereka ketika terbaring sakit, hanya karena harus pergi ketempat bekerja. Seandainya Anda bisa menyekolahkan anak-anak dengan pendidikan terbaik, memberikan mereka tempat tinggal yang baik, aman dan sehat.
Seandainya Anda bisa membahagiakan orang tua saat mereka masih hidup dan membuat mereka bangga dan bersyukur telah membesarkan Anda.
Seandainya Anda bisa beramal, membantu mereka yang kesulitan disaat mereka butuh bantuan.
Seandainya Anda bisa melakukan semua itu tanpa pusing berfikir dari mana uang didapatkan. Seandainya KEBEBASAN WAKTU DAN UANG adalah cita-cita Anda, maka Lakukan Lompatan...! Buat Perubahan...!
LOMPATAN PERTAMA: Melompat dari Pegawai Menjadi Pengusaha atau Profesional
Jika kebebasan adalah cita-cita Anda, maka loncatan pertama yang harus anda lakukan adalah loncatan dari mental pegawai, pekerja, buruh menjadi mental pengusaha atau pemilik usaha.
Kenapa Harus Menjadi Pengusaha?
PEGAWAI:
Waktu Bukan Milik Anda
Penghasilan Terbatas, jika ingin mendapatkan uang lebih, pegawai harus lembur
Nasib Ditentukan Orang Lain, walaupun Anda bekerja keras dan berprestasi bagus, akan tetapi jika tempat dimana Anda bekerja tutp, maka anda akan kehilangan semuanya.
Sumber Penghasilan Hanya Satu
PENGUSAHA:
Anda bisa mengatur waktu, sehingga bisnis tidak mengganggu kepentingan diri dan keluarga
Pengusaha bisa menghasilkan uang tanpa batas karena tidak lagi terikat waktu dan tenaga individual.
Menentukan nasib sendiri
Sumber penghasilan banya.
SAYANGNYA:
Baik menjadi pengusaha, maupun profesional keduanya membutuhkan waktu dan modal yang tidak sedikit.
Jika menjadi pegawai punya kekurangan serta kelebihan dan menjadi pengusaha juga ada kelebihan dan kekurangan, yang manakah yang harus kita pilih? Adakah bisnis yang bisa mendapatkan dua keuntungan sekaligus? "ADA"
LOMPATAN KEDUA: Konvensional ke Non Konvensional
Jika Anda sudah mempunyai mental pengusaha, maka lompatan kedua yang harus dilakukan adalah lompatan dari mental pengusaha konvensional menuju pengusaha non konvensional, dari kerja keras menjadi kerja cerdas, dari hard busines ke smart business.
Jika Anda ingin jadi pengusaha tanpa kehilangan pekerjaan saat ini, jika Anda ingin jadi pengusaha tanpa harus kehilangan penghasilan yang ada, jika Anda ingin memulai bisnis tanpa resiko...
Maka:
Anda harus memulai langkah cerdas! Mengganti kerja keras menjadi kerja cerdas. Lakukan Lompatan berikutnya. Ganti Paradigma Konvensional Anda..
Buka Mata - Buka Hati
MLM
adalah jawabannya...!
Kenapa?
WAKTU FLEKSIBEL
Jika Anda menjalankan bisnis MLM, tidak perlu bolos kerja, dan tidak perlu mengundurkan diri dari kantor. Anda bisa menjalankan bisnis ini sebelum jam kantor atau sesudah jam kantor, dalam perjalanan menuju kantor, jam istirahat kantor dsb.
TEMPAT FLEKSIBEL
Anda bisa menjalankan bisnis di mana saja, dalam kegiatan apa saja, akan tetapi hasilnya luar biasa!
MODAL MINIM & BEP MODAL CEPAT
Jika Anda menjalankan bisnis MLM, maka modal yang dibutuhkan sangat kecil. Modal utama di MLM adalah keinginan kuat, waktu, informasi dan referensi.
HASIL BESAR & ADA PASSIVE INCOME
Dalam bisnis MLM, pencapaian suksesnya cepat dan ada passive income murni, uang tetap masuk walau usaha pribadi berhenti, atau bahkan kita sudah meninggal dunia.
TIDAK MULAI DARI NOL
Di MLM, Anda tidak memulai dari NOL, tinggal memanfaatkan sistem yang sudah mapan, di bisnis MLM image sudah terbangun, Anda tinggal memanfaatkannya.
TIDAK PERLU SKILL KHUSUS
Di MLM tidak dibutuhka pengalaman atau skill tertentu karena ada support sistem yang siap membantu siapa saja yang mau menjalankan bisnis ini secara serius.
ADA SOSIAL SPIRIT
Dalam bisnis MLM, tidak ada cara lain untuk sukses kecuali Anda bisa membuat sukses Downline Anda..
Saya sering dengar kelebihan MLM, akan tetapi pada prakteknya tidak mudah, jadi bagaimana?
Asalkan Anda sudah bisa melihat dengan positif bisnis MLM, kini satnya Anda memilih MLM yang paling tepat.
(Kunjungi Link: Smart Business)
Selasa, 30 Desember 2008
Apakah Anda Ingin Terikat Pekerjaan Selamanya??
Banyak orang begitu gembira ketika mendapatkan pekerjaan dab diterima sebagai pegawai, tetapi banyak yang tidak menyadari betapa banyak yang harus mereka korbankan untuk status barunya tersebut.
Ketika Anda memasuki status baru tersebut, maka berarti Anda baru saja menyerahkan sebagian waktu dan kebebasan kepada perusahaan, lembaga atau orang lain, dan secara langsung atau tidak langsung Anda baru saja menyetujui memberikan potensi yang anda miliki untuk mereka.
Jika Anda sadari, sebenarnya begitu banyak yang dikorbankan ketika terikat kerja, karena itu pastikanlah bahwa Anda bisa mengambil sebanyak-banyaknya nilai lebih dari pekerjaan, dan niatkan dalam hati bahwa menjadi pegawai hanyalah batu loncatan sementara sebelum Anda menemukan sumber penghasilan yang menjanjikan kebebasan finansial dan kebebasan waktu.
HAK WAKTU ANDA DISITA
Pernahkah Anda menghitung berapa jam kerja Anda?Jika jam kerja Anda sehari adalah 9 jam, maka pada jam kerja tersebut Anda tidak punya hak atas waktu Anda
HAK WAKTU KELUARGA DISITA
Pernahkah Anda menghitung betapa banyak waktu yang direnggut tempat Anda bekerja sehingga keluarga hanya mendapat sisa waktu saja. Ketika Anda pulang kerja, Anda tidak sempat melakukan apa-apa bersama keluarga.
KEBEBASAN DIRI DIIKAT
Apakah Anda ingin dihargai, apa adanya? Ingin menjadi diri sendiri, bebas mengekspresikan perasaan? Hehe, jika Anda pegawai, buang jauh-jauh keinginan tersebut. Pada jam kerja, Anda adalah alat tempat dimana Anda bekerja. Pendapat perusahaan adalah pendapat Anda. Misi perusahan adalah misi Anda..
PENGHASILAN JAUH DARI MEMENUHI KEBUTUHAN
Sekalipun pegawai sudah kehilangan waktu dan kebebasan serta memberikan potensi mereka untuk tempat dimana mereka bekerja, sebagian besar pegawai tidak menerima imbalan yang sebanding, mereka masih hidup berkekurangan.
TERLILIT HUTANG, GALI LOBANG TUTUP LOBANG
Terkadang karena gaji begitu kecil, kebijakan uang ketat masih tidak bisa mengatasi kebutuhan rumah tangga, karena itu banyak juga yang berhutang untuk mengatasi masalah keuangan. Masalahnya berhutang juga punya resiko, apalagi jika hutang diikuti bunga, bisa-bisa kita terlilit hutang.
FAKTA MENCENGANGKAN TENTANG AKHIR PARA PEGAWAI
Majalah Business Week menuls,Bagi rata-rata pekerja, diperlukan setengah dari umur mereka untuk embeli rumah, menabung sejumlah uang dan mengumpulkan uang untuk masa tua. Tetapi, kalau kita menganggur akibat kehilangan pekerjaan, hanya dalam waktu enam bulan saja kita kehilangan semua. (kunjungi link: Smart Business)
Ketika Anda memasuki status baru tersebut, maka berarti Anda baru saja menyerahkan sebagian waktu dan kebebasan kepada perusahaan, lembaga atau orang lain, dan secara langsung atau tidak langsung Anda baru saja menyetujui memberikan potensi yang anda miliki untuk mereka.
Jika Anda sadari, sebenarnya begitu banyak yang dikorbankan ketika terikat kerja, karena itu pastikanlah bahwa Anda bisa mengambil sebanyak-banyaknya nilai lebih dari pekerjaan, dan niatkan dalam hati bahwa menjadi pegawai hanyalah batu loncatan sementara sebelum Anda menemukan sumber penghasilan yang menjanjikan kebebasan finansial dan kebebasan waktu.
HAK WAKTU ANDA DISITA
Pernahkah Anda menghitung berapa jam kerja Anda?Jika jam kerja Anda sehari adalah 9 jam, maka pada jam kerja tersebut Anda tidak punya hak atas waktu Anda
HAK WAKTU KELUARGA DISITA
Pernahkah Anda menghitung betapa banyak waktu yang direnggut tempat Anda bekerja sehingga keluarga hanya mendapat sisa waktu saja. Ketika Anda pulang kerja, Anda tidak sempat melakukan apa-apa bersama keluarga.
KEBEBASAN DIRI DIIKAT
Apakah Anda ingin dihargai, apa adanya? Ingin menjadi diri sendiri, bebas mengekspresikan perasaan? Hehe, jika Anda pegawai, buang jauh-jauh keinginan tersebut. Pada jam kerja, Anda adalah alat tempat dimana Anda bekerja. Pendapat perusahaan adalah pendapat Anda. Misi perusahan adalah misi Anda..
PENGHASILAN JAUH DARI MEMENUHI KEBUTUHAN
Sekalipun pegawai sudah kehilangan waktu dan kebebasan serta memberikan potensi mereka untuk tempat dimana mereka bekerja, sebagian besar pegawai tidak menerima imbalan yang sebanding, mereka masih hidup berkekurangan.
TERLILIT HUTANG, GALI LOBANG TUTUP LOBANG
Terkadang karena gaji begitu kecil, kebijakan uang ketat masih tidak bisa mengatasi kebutuhan rumah tangga, karena itu banyak juga yang berhutang untuk mengatasi masalah keuangan. Masalahnya berhutang juga punya resiko, apalagi jika hutang diikuti bunga, bisa-bisa kita terlilit hutang.
FAKTA MENCENGANGKAN TENTANG AKHIR PARA PEGAWAI
Majalah Business Week menuls,Bagi rata-rata pekerja, diperlukan setengah dari umur mereka untuk embeli rumah, menabung sejumlah uang dan mengumpulkan uang untuk masa tua. Tetapi, kalau kita menganggur akibat kehilangan pekerjaan, hanya dalam waktu enam bulan saja kita kehilangan semua. (kunjungi link: Smart Business)
Senin, 29 Desember 2008
A Review of Power Affiliate Marketing
When you are looking for a way to get ahead in the world of affiliate marketing, you may be a little bit concerned with how to get started. After all, just like you've heard about people becoming millionaires overnight.
You have also heard about people slaving away for returns that are simply not worth the effort, and it may be a little bit confusing to know what it is that you really want to believe. Many people are concerned with how well they'll do when it comes to affiliate marketing, and this is where you'll find that Power Affiliate Marketing comes into play.
Power Affiliate Marketing is a program where affiliate marketing guru Ewen Chia is interviewed on how to get ahead, and the language is simple enough that even someone who is entirely new to the industry can grasp it.
Chia is one of the more famous lights in the affiliate marketing game, and it's hard to look around on the web without hearing about one more of his ventures that is doing well, and you'll soon find that his words have a great deal of impact on the industry. You'll find that there are many different ways in which he addresses the business, and this is all information that people new to the market need to consider.
You'll find that you will hear mentioned on this video many different resources. You'll find that you will be able to find these resources and use them to follow up You'll be able to create your own business plan with ease and you will also find that you can take the time to really make sure that the information that you have assimilated from the Power Affiliate Marketing program counts.
For many people, this program has changed the way that they do business and you'll find that it can change the way you think about making money forever. For many people, the idea of making money this simply feels impossible, but you'll find that with just a little bit of information, you'll easily see how it can pertain to you.
You'll discover that this video will also include an easy to follow along guide, which will let you keep all of this information close to hand. While you might be intrigued by something stated in the video, you might use this guide extensively later on, allowing you to make sure that you always have access to the resources listed.
This can show you that this isn't a one-time use resource; you'll be using it over and over and over again, getting your money's worth out of it, and you'll find that with just a little bit of information that you can really ensure that you get ahead.
When you are considering putting yourself out there in the affiliate marketing field, remember that there is a lot to consider and that going out there without good information can be very dangerous. Take the time to figure out what you want to do, and how to best figure out your course of action.
You have also heard about people slaving away for returns that are simply not worth the effort, and it may be a little bit confusing to know what it is that you really want to believe. Many people are concerned with how well they'll do when it comes to affiliate marketing, and this is where you'll find that Power Affiliate Marketing comes into play.
Power Affiliate Marketing is a program where affiliate marketing guru Ewen Chia is interviewed on how to get ahead, and the language is simple enough that even someone who is entirely new to the industry can grasp it.
Chia is one of the more famous lights in the affiliate marketing game, and it's hard to look around on the web without hearing about one more of his ventures that is doing well, and you'll soon find that his words have a great deal of impact on the industry. You'll find that there are many different ways in which he addresses the business, and this is all information that people new to the market need to consider.
You'll find that you will hear mentioned on this video many different resources. You'll find that you will be able to find these resources and use them to follow up You'll be able to create your own business plan with ease and you will also find that you can take the time to really make sure that the information that you have assimilated from the Power Affiliate Marketing program counts.
For many people, this program has changed the way that they do business and you'll find that it can change the way you think about making money forever. For many people, the idea of making money this simply feels impossible, but you'll find that with just a little bit of information, you'll easily see how it can pertain to you.
You'll discover that this video will also include an easy to follow along guide, which will let you keep all of this information close to hand. While you might be intrigued by something stated in the video, you might use this guide extensively later on, allowing you to make sure that you always have access to the resources listed.
This can show you that this isn't a one-time use resource; you'll be using it over and over and over again, getting your money's worth out of it, and you'll find that with just a little bit of information that you can really ensure that you get ahead.
When you are considering putting yourself out there in the affiliate marketing field, remember that there is a lot to consider and that going out there without good information can be very dangerous. Take the time to figure out what you want to do, and how to best figure out your course of action.
Long-Term Investing as an Optimist
It does pay to be a long-term optimist as I am. The easiest way to show the importance of staying invested is with the Rule of 72, which illustrates how compounding builds long-term wealth. To see how many years it will take to double your money at any compound growth rate, just divide 72 by that rate. Assuming a 7% compounding rate, your money will roughly double in 10 years. Over 50 years, you will have five doubles -with the last 20 years being the most important doubling points because you are working with a greater principal amount.
For example, $1 million compounding at 7% will grow to almost $32 million ($29.46 to be exact) in 50 years. In the first decade your money will double from $1 million to $2 million, in the second decade from $2 million to $4 million and in the third decade from $4 million to $8 million. Then it starts to get really interesting because the dollar amounts you are doubling are so much greater. In the fourth decade your money will double from $8 million to $16 million and in the fifth decade from $16 million to $32 million. If you can compound your money at 14%, then your $1 million will grow to more than $700 million in 50 years. In such case, your money will double about twice as fast- about every five years, not every 10 years- and so you will have almost 10 doubles over a 50-year period. This is why it is so important to stay invested.
Here are some of the best investment minds in the country offering their wisdom and insights on the issues confronting all investors:
- "Diversification is an established tenet for conservative investment." Benjamin Graham
- "To refer to a personal taste of mine, I am going to buy hamburgers the rest of my life. When hamburgers go down in price, we sing the "Hallelujah Chorus" in the Buffett household. When hamburgers go up, we weep. For most people, it is the same way with everything in life they will be buying -except stocks. When stocks go down and you can get more for your money, people don't like them anymore." Warren Buffett
- "Far more money has been lost by investors preparing for corrections or trying to anticipate corrections than has been lost in corrections themselves." Peter Lynch, former Fidelity Magellan Fund manager.
- "Your success in investing will depend in part on your character and guts, and in part on your ability to realize at the height of ebullience and the depth of despair alike that this too shall pass." John Bogle, Chairman of Vanguard.
Many people are disappointed with investing over the last year. Even if equities deliver long-term returns in the mid single digits as they have in the last decade building a solid long term investment portfolio is still possible. From the quotes above, you can see that you must invest for the long term- that is a minimum of 10 years or more. Focus on the Rule of 72 and the stick with your plan and successful results are sure to follow no matter what the economy does.
For example, $1 million compounding at 7% will grow to almost $32 million ($29.46 to be exact) in 50 years. In the first decade your money will double from $1 million to $2 million, in the second decade from $2 million to $4 million and in the third decade from $4 million to $8 million. Then it starts to get really interesting because the dollar amounts you are doubling are so much greater. In the fourth decade your money will double from $8 million to $16 million and in the fifth decade from $16 million to $32 million. If you can compound your money at 14%, then your $1 million will grow to more than $700 million in 50 years. In such case, your money will double about twice as fast- about every five years, not every 10 years- and so you will have almost 10 doubles over a 50-year period. This is why it is so important to stay invested.
Here are some of the best investment minds in the country offering their wisdom and insights on the issues confronting all investors:
- "Diversification is an established tenet for conservative investment." Benjamin Graham
- "To refer to a personal taste of mine, I am going to buy hamburgers the rest of my life. When hamburgers go down in price, we sing the "Hallelujah Chorus" in the Buffett household. When hamburgers go up, we weep. For most people, it is the same way with everything in life they will be buying -except stocks. When stocks go down and you can get more for your money, people don't like them anymore." Warren Buffett
- "Far more money has been lost by investors preparing for corrections or trying to anticipate corrections than has been lost in corrections themselves." Peter Lynch, former Fidelity Magellan Fund manager.
- "Your success in investing will depend in part on your character and guts, and in part on your ability to realize at the height of ebullience and the depth of despair alike that this too shall pass." John Bogle, Chairman of Vanguard.
Many people are disappointed with investing over the last year. Even if equities deliver long-term returns in the mid single digits as they have in the last decade building a solid long term investment portfolio is still possible. From the quotes above, you can see that you must invest for the long term- that is a minimum of 10 years or more. Focus on the Rule of 72 and the stick with your plan and successful results are sure to follow no matter what the economy does.
Competitive Van Insurance
The credit crunch and impending recession will undoubtedly affect many businesses, take a positive approach and make full advantage of insurance companies competing for your business.
Insurance for vans has never been more competitive, insurers are all offering great deals and cheap van insurance, however, make sure you read the small print to get the best deals and cover for your needs. Your van is your business, thinking that you will save money by choosing not to insure the van and its contents is not only illegal it is foolhardy. Loss or damage to your van or tools and your business will be ruined.
Using a van for work is one of the practical and cost effective means of transport around, if tools are your livelihood you simply cannot afford to have them stolen or damaged and spend days trying to find replacements, tool insurance cover will give peace of mind that your tools or hired tools are protected in your van 24/7.
If you use your van for courier or haulage contracts then additional Goods In Transit, GIT, is a must. You will simply have to inform the insurers what you are carrying and its value, some insurers also include cover for driving in the European Union, so hopping across the Channel is no problem. Check out the cover being offered as not all insurers include haulage without extra premiums.
With so many TV ads telling everyone to make claims for injury and damages any discerning company with a van simply cannot overlook this part of an insurance quote. Public and Products Insurance can save an awful lot of hassle and grieve, without this type of insurance you will be liable to pay the full amount of a claim made against you if a person is given an award due to injury or damages caused by you or your products so is well worth considering including this type of protection in your insurance.
The smaller and lighter the van the cheaper the insurance will be, having a vehicle which is less than 3.5 tonnes are typically given budget deals. The age of the van will also be taken into consideration by the insurers, the newer the van the cheaper the insurance will be.
In the unfortunate event of your van being stolen, breaking down or being involved in an accident with significant damage, insurance which includes or the option for a courtesy van will keep you and your business on the road.
There are some positive steps which can be taken to help further reduce the cost of van insurance, having a company logo on the side of your van, fitting an immobiliser and alarm are often taken into consideration by insurers, many will also enable you to transfer your no claims discount from other vehicles to your van to help save even further.
Although all of these additional considerations may appear simply to be putting up the cost of your insurance, there are many insurers offering fantastic cheap van insurance at the moment. Simply make a point of reading the small print to ensure that the insurance policy is right for you and your business needs.
Insurance for vans has never been more competitive, insurers are all offering great deals and cheap van insurance, however, make sure you read the small print to get the best deals and cover for your needs. Your van is your business, thinking that you will save money by choosing not to insure the van and its contents is not only illegal it is foolhardy. Loss or damage to your van or tools and your business will be ruined.
Using a van for work is one of the practical and cost effective means of transport around, if tools are your livelihood you simply cannot afford to have them stolen or damaged and spend days trying to find replacements, tool insurance cover will give peace of mind that your tools or hired tools are protected in your van 24/7.
If you use your van for courier or haulage contracts then additional Goods In Transit, GIT, is a must. You will simply have to inform the insurers what you are carrying and its value, some insurers also include cover for driving in the European Union, so hopping across the Channel is no problem. Check out the cover being offered as not all insurers include haulage without extra premiums.
With so many TV ads telling everyone to make claims for injury and damages any discerning company with a van simply cannot overlook this part of an insurance quote. Public and Products Insurance can save an awful lot of hassle and grieve, without this type of insurance you will be liable to pay the full amount of a claim made against you if a person is given an award due to injury or damages caused by you or your products so is well worth considering including this type of protection in your insurance.
The smaller and lighter the van the cheaper the insurance will be, having a vehicle which is less than 3.5 tonnes are typically given budget deals. The age of the van will also be taken into consideration by the insurers, the newer the van the cheaper the insurance will be.
In the unfortunate event of your van being stolen, breaking down or being involved in an accident with significant damage, insurance which includes or the option for a courtesy van will keep you and your business on the road.
There are some positive steps which can be taken to help further reduce the cost of van insurance, having a company logo on the side of your van, fitting an immobiliser and alarm are often taken into consideration by insurers, many will also enable you to transfer your no claims discount from other vehicles to your van to help save even further.
Although all of these additional considerations may appear simply to be putting up the cost of your insurance, there are many insurers offering fantastic cheap van insurance at the moment. Simply make a point of reading the small print to ensure that the insurance policy is right for you and your business needs.
Travel Industry Management: Scam Alert
If you've been around the internet for any period of time, you're well aware of the scams arriving by email informing you of the vast sums of money you have won. Or, if you help the Nigerian Princess move money out of her country, you can have a cut of it.
These scams have permeated the web so much that they have a name: 419 scams (http://en.wikipedia.org/wiki/Advance_fee_fraud). 419 is the Nigerian Criminal Code that deals with fraud. Most (but not all) of these scams originate from Nigeria.
If you read the Wikipedia entry linked earlier, you should take away two points:
1. These scams have been around a long time. The originated in the early 80's and were run via letters, faxes, telex.
2. These scams come in ALL shapes and sizes. If a scammer can come up with a way to scam someone, they will try it over the Internet.
While there are countless variations of the 419 scam, I want to explain the version I've seen that targets vacation rental owners. Read on to make sure you don't fall victim to a scam.
Imagine you make a booking for someone who pays you via a cashiers check. They accidentally overpay and when they find out, they ask you to send a refund via Western Union. Guess what? You've just been scammed!
As it turns out, the cashiers check is fake and it often takes your bank weeks to determine that it is fake. By then, the scammer has their money via Western Union, and you are left with nothing from the cashier's check except possibly a fee from your bank and a lesson learned. Good times.
Don't worry - it's pretty easy to protect yourself. You just need to know how these scams work so you know what to look out for.
These scams work like this:
1. The "renter" pays you money (rent)
2. The "renter" ask for some amount of money back. The reasons are endless: Accidental overpayment, medical emergency, they want to cancel the booking.
If they've paid by check, money order, or cashiers check, you simply need to ask your bank to make sure it's cleared and is not a fake before you issue the refund. If the "renter" asks for a refund via Western Union or other wire service, it's a scam.
If you end up in this position, do not refund any money until the bank confirms the check isn't fake. The renter will play on your emotions, telling you they need the money for medical bills or something horrible. Unfortunately, you cannot trust them.
These scams are so common now and so hard to prosecute, that the scammer will likely never be arrested for what they have done. However, if you find a scammer trying to scam you by booking your vacation home, please do the following:
* Cease communications with the scammer
* Notify the FBI here http://www.ic3.gov/
* Notify the vacation rental listing website they used to contact you. That will allow the website to contact other owners that also were contacted by the same individual.
* Notify the scammers email provider. This can usually be done by sending an email to "abuse@" and then putting the domain name for the email provider. For example, abuse@gmail.com or abuse@yahoo.com. The provider will usually shut down that email address which may help other owners.
These scams have permeated the web so much that they have a name: 419 scams (http://en.wikipedia.org/wiki/Advance_fee_fraud). 419 is the Nigerian Criminal Code that deals with fraud. Most (but not all) of these scams originate from Nigeria.
If you read the Wikipedia entry linked earlier, you should take away two points:
1. These scams have been around a long time. The originated in the early 80's and were run via letters, faxes, telex.
2. These scams come in ALL shapes and sizes. If a scammer can come up with a way to scam someone, they will try it over the Internet.
While there are countless variations of the 419 scam, I want to explain the version I've seen that targets vacation rental owners. Read on to make sure you don't fall victim to a scam.
Imagine you make a booking for someone who pays you via a cashiers check. They accidentally overpay and when they find out, they ask you to send a refund via Western Union. Guess what? You've just been scammed!
As it turns out, the cashiers check is fake and it often takes your bank weeks to determine that it is fake. By then, the scammer has their money via Western Union, and you are left with nothing from the cashier's check except possibly a fee from your bank and a lesson learned. Good times.
Don't worry - it's pretty easy to protect yourself. You just need to know how these scams work so you know what to look out for.
These scams work like this:
1. The "renter" pays you money (rent)
2. The "renter" ask for some amount of money back. The reasons are endless: Accidental overpayment, medical emergency, they want to cancel the booking.
If they've paid by check, money order, or cashiers check, you simply need to ask your bank to make sure it's cleared and is not a fake before you issue the refund. If the "renter" asks for a refund via Western Union or other wire service, it's a scam.
If you end up in this position, do not refund any money until the bank confirms the check isn't fake. The renter will play on your emotions, telling you they need the money for medical bills or something horrible. Unfortunately, you cannot trust them.
These scams are so common now and so hard to prosecute, that the scammer will likely never be arrested for what they have done. However, if you find a scammer trying to scam you by booking your vacation home, please do the following:
* Cease communications with the scammer
* Notify the FBI here http://www.ic3.gov/
* Notify the vacation rental listing website they used to contact you. That will allow the website to contact other owners that also were contacted by the same individual.
* Notify the scammers email provider. This can usually be done by sending an email to "abuse@" and then putting the domain name for the email provider. For example, abuse@gmail.com or abuse@yahoo.com. The provider will usually shut down that email address which may help other owners.
Methods of Time Organization For Consultants
Consultants are quite busy people who need to have an organized schedule each day. Here a few methods to help track time for consultants. Consultants can make more money and save time by tracking time and staying on schedule. Consultants are very important.
Use a organizer such a PDA. It is an electronic device that will help one stay organized and remind them of appointments each day. There is also the old fashion organizers that are cheaper and don't cost several hundred dollars.
Another great method is a little calender or a big desk calender. They can both help and give you advantages in helping you to stay on track by being able to glance at your schedule instantly. You can also do this with a PDA and or a regular organizer where you hand write.
Consistently keeping a schedule each and every day regardless of what is going on that day will help you. Don't get off track no matter what the week looks like in your schedule. You'll be glad that you're keeping a regular schedule. It will be a huge help. It will also lessen your workload and make your time more efficiant.
If all else fails then get a personal assistant to help you with appointments, run your errands, bring you your cup of coffee, and all those little things you do everyday that add up and waste your important time. Your personal assistant will bring great relief to your workload. A personal assistant is very important to have. They make life very much easier to deal with.A personal assistant will help make your life much less stressful as well. You will be glad that you hired an personal assistant. If you land a good one, they can be a valuble asset to have working for you. Make sure to pay them a decent salary and other benefits that is so good that they can't pass it up. Trust me, they are worth every penny.
One of the important things about staying organized is also making sure to schedule your vacation time or business travel far away on your calenders and other devices that you use to keep track of your time. Make sure to keep your personal assistant in the know concerning what your schedule is going to be like regarding your availability. This will help him or her in scheduling your work so it won't overlap and you won't get stressed out.
You can use your cell phone to help you with time management and keep track of meetings. Just about every mobile phone these days has an alarm clock. Familiarize yourself with it and use it. It will alert you in advance of important meetings and appointments. You just need to program your cell phone time management in advance. Cell phones are great and easier than the usual personal digital assistants are now days. Cell phones are almost as good as a PDA and these days many cell phones are an actual PDA as well.
You can use Yahoo to keep track of your time. It will alert you of certain appointments in advance and it's easy to do. Yahoo is an excellent method to use if you don't like PDAs or cell phones very much. Yahoo has excellent and easy to use instructions to keep track of your precious time.
Use a organizer such a PDA. It is an electronic device that will help one stay organized and remind them of appointments each day. There is also the old fashion organizers that are cheaper and don't cost several hundred dollars.
Another great method is a little calender or a big desk calender. They can both help and give you advantages in helping you to stay on track by being able to glance at your schedule instantly. You can also do this with a PDA and or a regular organizer where you hand write.
Consistently keeping a schedule each and every day regardless of what is going on that day will help you. Don't get off track no matter what the week looks like in your schedule. You'll be glad that you're keeping a regular schedule. It will be a huge help. It will also lessen your workload and make your time more efficiant.
If all else fails then get a personal assistant to help you with appointments, run your errands, bring you your cup of coffee, and all those little things you do everyday that add up and waste your important time. Your personal assistant will bring great relief to your workload. A personal assistant is very important to have. They make life very much easier to deal with.A personal assistant will help make your life much less stressful as well. You will be glad that you hired an personal assistant. If you land a good one, they can be a valuble asset to have working for you. Make sure to pay them a decent salary and other benefits that is so good that they can't pass it up. Trust me, they are worth every penny.
One of the important things about staying organized is also making sure to schedule your vacation time or business travel far away on your calenders and other devices that you use to keep track of your time. Make sure to keep your personal assistant in the know concerning what your schedule is going to be like regarding your availability. This will help him or her in scheduling your work so it won't overlap and you won't get stressed out.
You can use your cell phone to help you with time management and keep track of meetings. Just about every mobile phone these days has an alarm clock. Familiarize yourself with it and use it. It will alert you in advance of important meetings and appointments. You just need to program your cell phone time management in advance. Cell phones are great and easier than the usual personal digital assistants are now days. Cell phones are almost as good as a PDA and these days many cell phones are an actual PDA as well.
You can use Yahoo to keep track of your time. It will alert you of certain appointments in advance and it's easy to do. Yahoo is an excellent method to use if you don't like PDAs or cell phones very much. Yahoo has excellent and easy to use instructions to keep track of your precious time.
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