Self betterment + 2 sm biz ideas

You know, it is amazing to me that people who will do absolutely NOTHING for BW are the first to criticize those of us who are trying to make a difference. I spend hours of my precious time in numerous ways in my community trying to bring about betterment (not to include this blog, more hours of my time) and for some loser who never does a damn thing for anyone, to have so much to say to me is completely baffling! You know the real problem don't you? The trolls, probably (DBRBM) do not want BW to have anything! If you have education -you are uppity. If you date white/non-bm -you are a sellout. If you stay with a 'brotha' despite what he puts you through, -you are a dumb-azz ho who got what she deserved, when he blackens your eye. If you leave him- you are a no-good b*tch who let a 'brotha' down. I hope you are getting the picture ladies, You can never please them! -Don't drive yourself crazy trying. Just go for being the best at whatever you do, Success is always the best revenge! If you will stick with us, and implement some of our tips and skills, you will find that in a few months, you life will be totally changed. I know thousands of tips and techniques to better your life, which you will learn on this blog. Thank you for all the support of many of you who email me and ask me to please not be discouraged by trolls, -don't worry I'm not intimidated by losers who sole mission is to deny bw any happiness, that she might find in this world. They want us sad, depressed, lonely, broke, unhealthy, uneducated and misdirected. Why, you ask, I will tell you why- because people fitting the above profile are easily manipulated and controlled. Ladies it is all about control. We are just pawns for them to use. Always seize control of your own life, always walk to the beat of your own drum. Always be the best that you can be. And one more thing ladies, In the coming months, we are going to stick together, support one another and THRIVE! I fully expect that many of you will start businesses you never dreamed you could do, and/or fantastic relationships you've never experienced. If you follow the plans, we outline, Soon, you will also have more money coming in than you know what to do with. (provided you use these ideas) Ladies, the only thing I ask is that when you get to where you want to be, and you find that you have the man you want, the business you want, and the money you want, Please do me one favor, when you see a struggling sista, REACH BACK AND GIVE HER A HAND! Show her the way too. Throw that love out there- and watch it come back 100 fold'
(EACH ONE REACH ONE AND TEACH ONE- IS HOW A PEOPLE BECOME GREAT!)

CANI FORMULA:

The most simple way to practice life improvement is the Cani formula. What is it? the Cani is a Japanese technique that allowed them to take over many American industries. Years ago, Japanese products were considered inept, cheap, and of dubious quality, One man totally revamped the industry by teaching them to practice Cani = constant never ending improvement. He taught them that it doe's not matter where you start, that if you continue to improve at a rate of just 1% per day, you can and will surpass almost anyone. I think the Japanese have already proven this technique works. Whatever you want in life- I simply want you to focus on it, work toward it and keep improving at a rate of just 1% per day. If you will do this, you can rest assured that in 6 months-1year you will be so far out ahead -you will be light years ahead of your competition, and you will hardly recognize the person you have become!

Credit problems CL #1

Credit is so much more now a days than just numbers on paper -like it use to be. They use it to judge you on everything now. Thousands of times per year, you are being judged on it- you cannot afford to have BAD CREDIT! Did you know that they can adjust the interest on your house according to your credit-and that a pymt that was previously 7-800.00 per month can go up several hundred dollars per month based on a new lower score! Did you know that more ways to use credit against you are being added everyday! Ladies, the credit MUST be cleaned up!!

I will be going into credit much more heavily in later posts-but for now I just want to start the ball rolling and dispel some myths concerning credit, as well as start the process of credit clean up....

1. Myth One: The Info cannot be changed on the reportThe truth is, any information that can't be verified, usually in 30 days, or items not 100% accurate, must be removed or at least modified. This is your right under the Fair Credit Reporting Act.

2. Myth Two: you must hire an attorney because it is so difficult to repair credit. The truth is many people can repair their own credit (most) and save thousands of dollars. (in later posts I will be recommending honest companies that will remedy the situation for those needing more help)

3. Myth Three If I pay the delinquent accounts, My credit will improve The truth is, even if the acct shows paid, the late payments and delinquencies will still show,and can cause serious damage to your credit. In some cases, this can even hurt you because accts remain on your file for 7 years, paying them could start that clock all over again! In later posts we will talk about what to do about this...

4. Myth Four Bankruptcy will give you a fresh start.Not necessarily, It can stay on your record for 10 years. You will have a much harder time getting credit, when you do get credit -it will be at a much higher interest rate costing you thousands over the years... We will go over what to do instead in later posts.

5. Myth Five I can just get a new file and start againThis is known as File Segregation and if you get a new file based on a new SS# you could be up for a Felony! A number of Fraudulent Credit Agencies will help you achieve this -ask them if they are willing to visit you in jail! That is where you will end up if you try to pull this off. Another version of this is using a new EIN number (business, or Corp. SS#) in place of your SS#. Same result, it is illegal, it is a felony and you could be prosecuted-Don't do it! Also putting false info on a loan application is a felony as well -Don't ever get involved with such scams...We will be covering Credit far more extensively in the coming weeks, I just want to get the ball rolling by telling those of you who need credit repair to start with the following. Contact the 3 Credit bureaus at these web addresses

Experian 888-397-3742 http://www.experian.com/

TransUnion 800-888-4213 http://www.transunion.com/

Equifax 800-685-1111 http://www.equifax.com/

Just contact them and tell them you need a copy of your credit report. If you have been turned down for anything credit-related in the past 30 days, send them a copy and you can get a copy of your credit file for free- if not you will have to pay a nominal fee. Do not tell them you want to do a credit clean up! They have legal loopholes to stop you! We will revisit this post in a week, that should give everyone time to receive their file -then we will learn how to go about cleaning it up. The Credit Lessons will be marked CL# in the following posts look for them and implement them if you need to clean up, revamp, or even get first aid for your credit...

Multiple Wealth Streams (MWS)

Did you know there are numerous ways to turn your hobbies into a successful business? As you all know I believe in MWS and I believe that most jobs will keep you just above broke and worse, you will become so salaried, you will no longer have to initiative to change your life. Did you know that studies have proven that many inmates who have been in jail for years, can no longer function on the outside? They have become institutionalized. They have gotten so used to that environment, that it has actually become more painful to leave than to stay in that hell pit! Will becoming an entrepreneur be scary for you? Absolutely, If you have never done it, honey you will be scared, I'm not going to lie to you. But, any kind of growth is SCARY! That is just life. A few months down the line, you will look back and say "what was I so scared of-If this business folds today-I will simply start another one". When you get to that feeling, YOU ARE FREE! Then all that horrible fear you have had to carry for sooooo long will be gone! Yes, I know all about that fear. Fear of a lay off, fear of pissing the boss off-fear of the lights being off, fear of not being able to handle the bills, fear the kids need something else, and you have squeezed the budget so much, it's screaming....

Did you know that more heart attacks occur on Monday morning than any other day of the week? Can you figure out why? Because people are forcing themselves to go back to jobs that they hate! Folks, life is just too short, to continually force yourself to do things you hate-it's all over way too fast for that. Anyway, I want to help people who are looking for a way out of the rat race to find it. This blog is about BW living bigger, loving bigger, and becoming bigger!

Hobby your way into 50.000 per year income.
Do you have a hobby you absolutely love? You can tell you love something when you spend hours doing it for absolutely no financial gain. (hint, I love this blog, I work extremely hard, I don't make a dime on it -and I don't care!)

Say you have a hobby such as art, crafts, photography, sewing, pet sitting etc This is how you could turn it into a 50.000+ business per year.

1. Sell your product or service to people you know ( to get your name out there) friends, fam, co-workers etc.

2. When you are more comfortable with getting orders on demand, expand, you can use fliers, ads, Internet ads etc to take it to the next level - (be sure you can meet the demand)

3. You can write a press release and if you make it sound very interesting (by giving it a spin) you can get thousands of dollars in publicity.

Let me show you how easily you can come up with a million dollar idea. If I wanted to write a relationship book that would sell well, I would do it like this (off the top of my head) I would contact the papers, and send them a press release like this:

(Woman wants to know why sweet little dogs are on leashes- but men get to rove the streets free!)

This is the kind of story reporters eat up -because it sells papers! I would then make it very controversial by putting a big, handsome man in a leash and a pretty woman leading him around. I would write the book from the perspective of treating a man like a dog and title the book like this

How to train your dog....I mean man to be a good little boy. It would be so controversial, it would get instant publicity and I would parlay that publicity into a million dollar fortune by giving talks, doing interviews, Even wearing a necklace in the paper that said (top dog) there are a million ways to make money with a good idea.

Although I would get some male hate-mail, I would laugh all the way to the bank. I just came up with that off the top of my head, yet that could easily become a million dollar idea, with a book/ebook, seminar, short course, full course etc. You get the idea. controversy sells, Its one of the reasons Madonna and Britney are big stars-just know that it can be a double-edge sword. You must learn to think outside the box. When you train your mind to look for opportunities, you will come up with million dollar ideas off the top of your head too. (I have them constantly)

but back to hobbies... #3 sell your crafts, product at fairs

#4 sell them at flea markets

#5 Sell them on consignment. All that means is that you leave them at a consignment shop when they sell you and the store owner split the proceeds

#6 write an ebook/book/pamphlet on how to do what you do, alot of people would love to learn. copy wright your work. (google copyright office) and you have a product that is yours for life, that you can sell again and again!

#7 write a newsletter: you can get a monthly subscription charge, and your readers can stay abreast of the latest news concerning the hobby win-win that's my favorite way.

#8 Give lessons, you can offer your services to community colleges for a percentage of the profit, or rent a place and take all the profit. You can take on as many places as you can handle. Ladies, there is really no limit to what you can do. The only thing stopping you is you.

Here is another good reason to turn you hobby into a business. Maybe you don't want big money from you small biz, maybe you just need to save some tax money. Either way, whether you want to be big or small: take the following steps for your business to save thousands of dollars per year in taxes.

1. Get a business plan listing your plans and goals

2. Register your business with your local county clerk

3. Set up a business bank acct. ( I've gone over how to do this in prev. posts)

4. Use Professional stationary and business cards (dirt cheap on the Internet, Ive gone over where to find them in prev. posts)

5. Get company listing in your phone book

6. Advertise in papers, direct mail, fliers, etc to build customer lists

7. Keep accurate records and books

By operating your hobby as a business, you could save thousands in taxes every year. All you have to do is show the IRS that you are trying to make a profit from a legitimate venture. You can get lots of free publications on home business ventures or find out about tax exemptions by contacting the IRS and letting them know what kind of business you have and simply asking. (google them.) You can build your business to over 100.00+ per yr if you want ,or keep it small 5-10.000 per year, it is really up to you. How hard are you willing to work, how much time do you have. Ladies, there is really no limit to what you can do. The only thing stopping you is you. Make a vow to yourself right now to dream bigger, so that you can live bigger. If you need any help -email me and I will respond (may take a few days ) but I always respond -good luck! S

Small biz idea #2

One business that never seems to go out of style is billing for small business. This is because most small to mid-sized businesses cannot afford to the full time staff to handle the administrative work involved in billing and invoice. It is far more productive to them for them to have someone work from home and take care of it. This is a low cost business you can start from home, and if you already own a computer, your cost will be nominal.

You can do this in your spare time(while keeping your job for the moment) and when it is too cost-prohibitive to go to work because you are losing money, you can quit. An easy to start, billing service can easily make up to 75.000 per year, with not much work. The key ingredient here is to be organized and efficient. Your potential clients will be small to mid-priced businesses. An easy way to get all the clients you could ever need is to offer the first month free and charge from there. They will jump at the chance, and you will have all the business you can handle. Service oriented businesses seem to take to home billing the best. Go to the library and look up small biz billing so that you will have a more step by step blue print to follow. Or you can pick up a small biz billing book on ebay. This business if basically for someone who loves organization and has a head for numbers. If you are a social butterfly -this won't work for you because you probably will not be able to sit still long enough to make this work. This is def. for the person who perfectly balances their checkbook, and has not had a check bounce in a few years. To everyone this does not fit, stay tuned because I will be featuring small biz ideas every week. Remember that your life cannot change until you do something different! Believe in yourself, people with half your wit, charm, intelligence and credentials have made themselves into big successes and so can you.