Did you catch this headline....???

"US income gap widens as poor take hit in recession"

WASHINGTON – The recession has hit middle-income and poor families hardest, widening the economic gap between the richest and poorest Americans as rippling job layoffs ravaged household budgets.

The wealthiest 10 percent of Americans — those making more than $138,000 each year — earned 11.4 times the roughly $12,000 made by those living near or below the poverty line in 2008, according to newly released census figures. That ratio was an increase from 11.2 in 2007 and the previous high of 11.22 in 2003.

Household income declined across all groups, but at sharper percentage levels for middle-income and poor Americans. Median income fell last year from $52,163 to $50,303, wiping out a decade's worth of gains to hit the lowest level since 1997.

And the talking heads on tv tell us the economy has bottomed out! What tripe!!!

Folks, the government is not going to do anything for us, other than bury us in debt your kids and their kids are going to get stuck with.

Don't wait for a magic hand to come down from the sky, take charge now and start earning $500 for each person you refer to HSA, or use their funds and training to flip properties for large profits.

As you know, the Platinum membership is going from $697 to $1497 in just two days and four hours on Oct 1st.

You've been sitting on the fence long enough, it's time to make the jump and start improving your future.

Get over to www.reofunder.com right now and save $800 by joining us before the price goes up. You won't regret it.

I'll see you in the Paid Members area once you join.

Larry Potter

http://www.notitleseasoning.com

847 872 4047

Share Personal Details

Nothing resonates stronger with your entourage than sharing your personal struggles. While they want a leader and someone they can trust, they also want to follow someone who has had struggles of his own. The more you can tell them about what makes you tick, and the more insights you can give them into your life, the deeper they will connect with you and the more they will admire you.

Tell your entourage the deep truth about who you are and what you do. Share stories about what led you to where you are in life right now. Step out of the shadows. Don't hold anything back.

Larry Potter
www.ATicketToWealth.com

Negative Amortization Loans Are BAD

Wachovia recently announced it will no longer offer negative amortization loans, despite their investment of $24 Billion two years ago to buy Golden West, who had “neg am” loans as one if its primary product offerings.

Why? Negative amortization loans don’t make sense. Nor for lenders. Not for borrowers. Not for anyone.

A negative amortization loan is one in which the borrower is not required to make payments sufficient to pay down either principal or interest. As a result, the principal balance actually grows rather than shrinks (as with a conventional amortization loan) or remains flat (as with an interest-only loan).

My first experience with a negative amortization loan was in 2002 with a real estate investment deal in Fayetteville, Georgia. I was engaged in the practice of acquiring property subject-to the existing mortgage and finding a lease-option buyer for the property, then selling both the property and the lease-option agreement to a 3rd party investor for a flat fee of approximately one year of profit from the deal.

It was great for everyone - I made a chunk of cash, the investor got a property, a tenant and usually a 100% (or better) annual return on their capital, and everybody was happy. And then one day…

…an investor here in Atlanta wanted to do one of these deals with me, but instead of sticking with the subject-to transaction I’d found, he wanted to get his own loan. I didn’t care one way or the other, but I was certainly curious why he’d do that when he had financing built-in to the deal.

His answer? “I can get a loan with a payment of about $550 per month.” My jaw hit the ground. This property had a sale price of about $360,000 so I knew a $550 payment was totally impossible without a HUGE down payment. But this guy wasn’t making a big down payment. He was using a negative amortization loan.

The deal didn’t work out with that investor, and that may be a good thing for him. If it had worked out, he’d probably be facing foreclosure today, with a principal balance far in excess of the original financed amount.

Wachovia has learned the hard way that it makes no sense whatsoever to sell financial products with which no one can win. Hopefully, we as investors have learned the same lesson: No matter how euphoric a market appears, sound decision making must rule. Greed always ends in lack.
Bryan Ellis


P.S.

If you'd like seven videos at no cost on
how to attract leads, please visit us now
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Those who lost their homes must rent.

Rental demand is increasing, and should do so for years. Those who lost their homes to foreclosure must rebuild their credit. And before they'll be able to purchase again, lenders will require them to make larger down payments and meet stricter requirements. So they'll be renting for a long time to come.

Remember, a large percentage of those foreclosures happened because people made poor choices when they got their mortgages - not because of financial misfortune. Many foreclosure victims are still employed and can pay market rental rates, and they are likely going to rent something similar to their previous home.

That's why those working the Home Seller Assist program, createdby John Alexander and also known as We Provide The Cash are doing so well in this market.

The Best Feeling in the World

TAccomplishing a simple goal can have powerful, long-lasting results...

Once you finally learn to play the trumpet, or start a Home Seller Assist business, or get promoted to CEO, or get your pre-baby body back...

You'll notice that people start treating you differently. They'll respect you more. They'll compliment you. They might even try to imitate your success.

And the way you'll feel about yourself is unparalleled. You'll have new confidence. New happiness. Some new stress, perhaps. But new pride in yourself and your abilities.

Achieving a goal you've had for years... There's nothing quite like it.

http://www.youtube.com/watch?v=Jdlm710LbuE

Geno from Reno - a great team member

http://www.REOFunder.com








http://www.REOFunder.com

Twitter!

Twitter is a site where you answer the question "Whatare you doing?" in 140 characters or less.

Each timeyou answer this question, you are "tweeting". Each of your "tweets" are then read by those people who are"following" you. And you get to learn all this great stuff from the people you become a follower of.

But Twitter isn't just for learning. It's also a placeto build relationships and tool for growing businesses. Twitter helps you get traffic, subscribers, and sales when your followers read about what you're doing.

The key is to have tons of followers! The more you have,the more your message will be read.The way that you get new followers (people to follow you) is by first following other people. After you follow someone, they get a message telling them that you've added them and you can include a link to your website within that message just by including your link in your profile.

So, when people get messages saying that you've decided to follow them, they come and check you out. Many will then decide to follow you back.The more people you follow, the more people will follow you as well, and the more people will see your message --complete with links to your blog, your affiliate products, your own products, etc.

Technically, Twitter is a "microblogging" application. But that's not important. What IS important is that Twitter is one of the #1 BEST ways for anyone to get started making money online.

Many get their very first sales ever as a result of Twitter. Some even get the majority of their blogging traffic from Twitter.

The best part is that Twitter doesn't cost you anythingto use.

It's something that you can spend only a few minutes using each day and get huge results from --often the very first day that you use it!

A Growing Force Is Out There

http://homesellerassist.synthasite.com

To Win Big You Must Plan Big

By Zig Ziglar

Dennis Scott of Punta Gorda, Florida, is an avid walker and almost daily crosses the Peace River. One day during his walk he noticed a fisherman using very large crab, four or five inches across, as bait. As he continued his walk he noticed another fisherman using tiny shrimp for bait. As he made the return trip he first saw the fisherman using the shrimp bait pulling in a small trout of less than one pound. Dennis asked how his fishing was going and he enthusiastically replied, "Just great! Look in the bucket!" The bucket contained about twenty small trout.

As Dennis continued his walk the crab bait fisherman called out to him to help him with his catch. The catch turned out to be about a 50-pound "drum." As he walked away from the two fisherman the thought occurred to Dennis that both men were fishing in the same river and both men were getting out of that river about what they expected.

That story is certainly applicable to all of our lives. Many people complain about lost opportunities, dead-end jobs or businesses that are in trouble. There's no doubt that those situations do exist and I'll agree that all opportunities are not equal. However, I am repeatedly reminded of the number of people who do well in one type of business while down the street a similar business is closing its doors. The same is true of builders, plumbers, salespeople, physicians, etc. Expectations do play a part because our expectations determine our plans and our plans determine our results.

As a parent, I can assure you that parental expectations have a direct bearing on children's performance. As an employer and educator, I can also assure you that my expectations have a bearing on the performance of my employees and students.

Think about it, expect a lot, and I'll SEE YOU AT THE TOP!

Zig Ziglar is a motivator and teacher. He is the author of 27 books and loved by millions of people world wide for his practical wisdom and his gift of hope.

Take time out to learn from someone who has done what you desire to do.

This is a core characteristic shared by anyone who achieves in his or her chosen field. I have personally made it a habit to learn anything and everything that I possibly can from those who's result I choose to emulate, whether it is following John Alexander's advice in the Home Seller Assist program or listening to Tony Robbins.

The major benefit to learning from a master at any skill is time.

Instead of spending your time, your money, and your emotional energy trying to decipher the code to improved results, you're taking a HUGE shortcut.

We talk a great deal about proven systems for success and this particular one, following in the path of experience is paramount to them all.

Failure to Compromise

This is a roadblock to my success that still creeps up on me, though it doesn't happen as often as it used to.

I was a real know-it-all. A jerk. I had little patience for anyone who didn't want to do everything my way. But this attitude only served to alienate others. And often those were people who could have helped me on important projects.

Now when I'm working with someone who wants to do a project in a way that's different from the way I would do it, I ask myself:

Is this legal?

Will this is in some fashion move my goal forward?
Can I honor this request?

If I can answer YES... then I've taken an appropriate detour around this roadblock. That detour - known as compromise - really comes in handy. And it doesn't work only at the office. It works really well at home.

Is Your FAQ Page Making You Money?

By Derek Gehl

Think your FAQ is one of those "admin" pages that just sit there on your website, quietly chugging along?

Nope!

Your FAQ page can actively attract traffic to your site, establish your credibility, and make sales for you. Here's how...

1. Lure traffic to your Home Seller Assist site site with your FAQ page.

Think about it. This is the perfect place to use your keywords. In fact, you can use those keywords in both the questions AND the answers to make the search engines really sit up and take notice.

2. Make visitors trust you so they'll stick around to buy.

When you give visitors high-quality information, that tells them you're both helpful and knowledgeable. Include questions and answers that show off your specialized knowledge so they will view you as an expert.

3. Ask your own questions.

Ask the questions you WISH people would ask - and then answer them in the same helpful, informative way you've answered all the others.

In your answers, quote legitimate product reviews whenever possible. Show quantifiable results. And, most important, explain the benefits of each feature you talk about in the Home Seller Assist program.

4. Save time.

A well-written FAQ will save you countless hours answering individual questions.

With so many benefits, isn't it time you took another look at your FAQ?

Time

By Zig Ziglar

What do millionaires and day laborers have in common? In our hurry-hurry world, the most popular phrases are, "We've got to get together sometime, but it seems that I'm always so busy." "Attend a neighborhood gathering? I just don't have the time!" "Visit with my neighbors or my family? I'm too busy to breathe." And so it goes.

The old saw that if you want something done you should give it to a busy person is as true today as it was when that phrase was first introduced in our vocabulary. It's amazing how many hours each week can be taken by people who barge unannounced into our lives with nonsensical topics to discuss or simply time-killing chatter.

All of us have the same amount of time. Productive people use their time wisely. The millionaire and hourly wage earner have exactly the same amount of time. The same is true for the top student and the one who flunks the course. Improper use of time, not lack of time, is the problem in most cases.

Christopher Ruhm did a fascinating study that highlights these ideas. He found that seniors who had worked up to 20 hours a week earned better grades than students who did not work. Even more impressive, six to nine years later the working students were earning 22% more than classmates who didn't work during their senior year. Ruhm observed that part-time jobs for seniors can ease their later transition into the work place. They improve students' knowledge of the job market, teach work place skills, build beneficial contacts and help them manage their time more efficiently.

Yes, it's still true that the experience you gain and the habits you acquire early on benefit you throughout life. Think about it and I'll SEE YOU AT THE TOP!

Zig Ziglar is a motivator and teacher. He is the author of 27 books and loved by millions of people world wide for his practical wisdom and his gift of hope.

Stumbling Blocks

Having trouble reaching your goals?

You might be sabotaging your efforts and not even know it.

Do you know how to reach your goals?

Have you sat down and really thought about what it's going to take in order to achieve them?

What steps must you take to bring that dream alive? If you are working the Home Seller Assist program created by John Alexander, how much time are you putting in?

Are your day-to-day life activities eating into the time you need to spend nurturing those goals?

Is anyone encouraging you towards the finish line of your success?

If you can't positively answer the above questions, then stumbling blocks litter your path to success.

Before you start out on your path to success you must have a firm destination in mind and the route mapped out in advance.

Click here to learn how you can get started and stay on track...

Steps to Success in 2009

When a toddler is first learning how to walk she starts with a series of small steps.

It's scary at first. Holding onto tables, chairs and anything else within reach, she hesitantly moves forward.

Occasionally she'll fall down, but she gets right back up and tries again.

Your path to success is just like that.

Success, like learning how to walk, is something you work towards and it begins with one step followed by another.

Like a toddler, you won't be left alone as you journey towards success.

Expert guidance and instruction are available to keep you on track to achieve your goals.

Take your first step by clicking here...

Eagle Sins - Cardinal Virtues - Home Seller Assist

Sports and contains so many metaphors about what it takes to succeed - that anyone who completely ignores them is truly missing the boat. A friend once said, "I think you learn MORE from sports than you do from sitting in the classroom." He was right.

And yesterday's NFC title game between the Philadelphia Eagles and Arizona Cardinals contained several examples of what makes a winner - and what leads to losing.

First, to win, it is NOT the first effort that usually gets the job done. It's the second and third and fourth efforts. This was readily apparent in the play of Cardinals' receiver Larry Fitzgerald. He may have longer hair than the rest; he may cut his sleeves a bit higher than most; he may go without thigh and knee pads - but when he catches the ball, you can count on him NOT stopping when hit once. The first time he scored he was hit three times - yet he bounced off each hit and found a way into the end zone. THAT is what it takes to win. No matter what you're doing in life - watch Fitzgerald keep fighting and do the same thing. Never give up at the first sign of trouble or defeat. Keep on keeping on and you'll be amazed at how many people let up because they expected YOU to stop.

Second, celebrating victory is fine. But be very, very careful about celebrating BEFORE victory. When I watch Donovan McNabb play, I cringe when I see him getting cocky after running for a first down in the first quarter. Man, you've got 3+ quarters to go, and you're already acting like it's a done deal. Bad move.

Naturally, the NFL is filled with idiots who showboat when ever they make a great play. They do this, in part, in the hopes of securing a spot in the media upon retirement - and in part because they lack humility. But it's a dangerous practice that screams, "me, me, me" rather than "team, team, team." A week ago, McNabb ran out of bounds against the Giants. He danced before one of the Giants coaches - then picked up the team phone on their sideline. Bad move. Dumb move. And this is precisely the sort of antics that have led to him being a perennial choker.

Third, never let up once you take the lead. The Eagles rallied in the second half, scoring three touchdowns in less than ten minutes. They took the lead by one point, 25-24. I wondered if the Cardinals could come back because the Eagles had shut them down the whole second half. I thought: "Often times a team uses all of its energy to catch up or take the lead, and once they do, they let up again." This is precisely what happened in the final ten minutes of the game. The Cardinals drove down the field, controlling the time and the ball - and scored a critical touchdown and 2-pt. conversion. Even so, they did not celebrate like the game was over. There would be plenty of time for that AFTER the game.

I use this with the Home Seller Assist program created by John Alexander and never give up after the first or second attempts. If you do the same, you will succeed too.

Are You Asking Enough Questions?

By Jason Holland

How do you find out what you need to know? By asking questions, of course.

But in a business environment, that simple practice all too often goes out the window.

Whether you're intimidated by your boss, afraid to look dumb in front of a coworker, or embarrassed by your lack of knowledge, not asking questions can have serious consequences: failed plans, miscommunication, and stalled innovation.

Suppose, for example, you get assigned a new project by your superior. What you shouldn't do: Spend three days trying to figure out what she meant by "Look at the 2005 results" when you have no idea what happened in 2005. What you should do: Go back down to her office the next day with a specific list of items you need clarified.

Or imagine you receive an e-mail with an attachment you can't download. What you shouldn't do: Spend hours trying to figure out the problem on your own. What you should do: Consult the IT department or ask the person to send you the file in another format.

I'm not advocating that you ask people in your company to hold your hand 24/7. You do have to figure things out on your own and do your own research. But don't assume you know everything. And don't be afraid to ask questions - "big picture" or very specific - when you know you don't understand.

A Commonsense Approach to Getting Free Publicity

By Michael Masterson and MaryEllen Tribby

Of the many channels of marketing, public relations is one that no business should ignore. And because PR is nearly free, that makes it an ideal channel for small and start-up businesses.

So how do you get your company and/or product mentioned on television and in the newspapers? You start by understanding what they are looking for. Generally speaking, they are looking for two things:

News about subjects their readers are already interested in (i.e., Britney Spears - not you).

Captivating and/or curious tidbits to fill in the gaps.

It is only into this second category of "news" coverage that you can hope to find a welcome place for your public relations campaigns.

It's unlikely that the media will be interested in any sort of news about your Home Seller Assist business, which was created by John Alexander. Yes you may be able to get news about your company published in an industry trade journal, but what good is that? Your customers aren't reading trade journals. They are watching TV and reading USA Today.

So begin with this: What you won't do. You won't waste your time and resources sending out press releases to the national media about company news. And if you do announce corporate news in industry periodicals, it will not be with any hope that it will boost your sales.

What you will do is figure out, first and foremost, which news media you want to be in, and then figure out how to create curious and captivating stories that relate to your business.

Web Surfers Are Spending 46% MORE Time Watching Online Videos

A trend that will continue to have a HUGE impact on Internet marketers everywhere -- and really change the way we sell online -- is the growing popularity of online video. Check this out: 94% of Internet users now watch online video with some level of frequency, and people now spend a whopping 46% MORE time each DAY watching videos, compared to last year! So if you haven't dipped your toe into the online video world, you'd better get cracking! Video, like blogging, has multiple benefits for your business: You can use video in your salescopy in order to more effectively sell your product... you can use it for SEO purposes and traffic generation (Google LOVES video!)... to create informative or educational videos for your niche... and to spread the word about your business. And you don't need to have a lot of complicated equipment or technical expertise to produce your own quality videos. Many people working the Home Seller Assist program are using videos quite profitably.

What If You KNEW You Couldn’t Fail?

What if you knew you couldn't fail at making money? I mean it...

What if you could attract wealth effortlessly?

Opportunities you never thought possible PLOPPED into your lap with a note attached that read, "These dead presidents are for you..."

Not just any money... but a financial windfall that is so huge you think a rich relative died and left you an inheritance... THAT type of wealth.

GONE are your unpaid bills... GONE is that old clunker of a car... GONE is the stress of never having to worry about making lots of money and your family never suffering again!

Now, how would your life change if you had a Mentor reveal to you his "wealth attraction secrets?"

And what if I told you could learn all these money-magnet strategies in just days - guaranteed?

If you are really curious head over to the We Provide The Cash site and let John Alexander show you how it can be done starting minutes from now.