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From tender age, we were exposed to myths about money and myths of being rich. Be it from our parents, brothers, sisters, relatives, or friends. The myths that we have determine our financial well being in our adult lives.

I call them myths because they are not true. Or, at least they are not giving you the complete picture.

We can’t blame our parents for the myths in us. They already gave us the best they could. And don’t forget that times change. Things were true then may not be true today.

If you want to move ahead financially, you have to be aware of the myths that you have about wealth and money. And do not let the myths stop you from living a wealthy life.

Money Myth 1: Work hard and you’ll be rich.
Many of us think that by having a job with a big company would ensure that we’re on the path to financial freedom. With so many layoff announcements, we might be out of job anytime. I’m not saying that you’d be one of them but the fact is there is no job that is guaranteed.

Recently, my friend was laid off in less than a month in his new job. Having a job is merely helping you to cope with daily expenses, providing you shelter, food and clothing. Do not be misled that a job or your employer will turn you into a rich and wealthy person. No one cares more than you about your wealth.

Money Myth 2: Saving is good.
When I was small, I was told by my mother that I must learn to save. I thank my mother for inculcating the habit of saving in me. The habit of saving helps me to develop discipline. Many people think that when they save enough, one fine day they’ll be rich.

But is saving alone enough to make you wealthy?

I came to realize that if I only depend on my savings to get rich, I’d have to wait for a long time. That’s the problem with savings, it takes a long time for you to get rich. Saving alone is not enough. You have to learn to invest your money in other investment vehicles to grow your money faster.

Money Myth 3: Debt is evil.
The other common myth about money is debt is bad. Did your parents ever tell you that borrowing was bad? Mine did. Not all debt is bad, actually. It depends on how you spend your loans that you’re getting. If you take a credit card loan to buy a flat plasma TV, it’s a bad debt. On the other hand, if you take loans to start a business or invest in real estate, the debt is good.

If debt is bad, can you imagine what would happen to companies if they are not allowed to take loans from the banks? As a general rule, if you use debts to buy things that increase in value over time, they are good debts. You must know whether the debt you’re taking is good or bad.

Money Myth 4: You need money to make money.
When I ask my friends what’s stopping them from starting their own business, the common answer is “I don’t have money. And it takes money to make money.” I do agree that it takes money to make money. But does it really to be your own money?

Everybody has limited resources when it comes to achieving our financial goals. I do not expect you to have everything when you plan to build your own business. You might need financial backing, manpower, expertise, or a coach to guide you. If you lack resources in any areas, find the resources. Someone else will definitely have it. It does take money to make money, but you can use OPM - other people’s money.

Money Myth 5: Investing is risky.
Many think that investing is risky because they lack education in investing. Investing itself is not risky if you know how to control the risks. Most of us invest based on a tip from a friend or broker without doing our own research. When you lose money, you say that investing is risky. And you tell yourself that you’ll never invest again.

To be frank, everything we do has a risk in it. Learn to manage risks by educating yourself. You can educate yourself by attending seminars, reading books, or even from the Internet.

Money Myth 6: Wealth reflects in material possessions.
Material possessions reflect your level of wealth. This is a misleading measurement. Someone who is driving a Porsche might not be rich and he might highly in debt.

Wealth does not reflect in material possessions. Wealth is a state of mind. Wealth is how fast you can become rich if you’re stripped of everything. As Henry Ford once said after he was asked what he would do if he lost all his fortunes, “I’ll become a millionaire again within five years.”

We possess one or more of the above myths, consciously or unconsciously. But what is more important is to be aware of the myths and replace the myths with facts. By doing this will tremendously improve your financial well being.

ABOUT THE AUTHOR
PT Cheng is the owner of FinanciallyRich. Get excellent tips on how to be your own boss, have more money, and free time. For future articles, subscribe to his FREE newsletter at http://www.financiallyrich.com/subscribe.asp and receive a BONUS report.

Do you want to save money, anxiety for your kitty, and unnecessary trips to your vet? Would you like to know if your cat is developing crystals in her urine that could lead to a feline UTI?

It’s easy to do with this check-at-home method.

If your kitty has been previously diagnosed with a feline UTI, there’s a chance it could re-occur. Since it’s impossible to see the crystals in your cat’s urine that are caused by a UTI, you don’t know kitty’s hurting again until the UTI is fairly well advanced. And then how do you tell?

Poor kitty probably stops using the cat litter box - again.

Well, there’s an easy method to check kitty’s urine at home, with a minimum of fuss. You can check as often as you like, and it’s easy to see the test results - you don’t need any training.

Here’s how:

First off, you’ll need either non-absorbent litter (available from your vet) or clean acquarium gravel that’s available at any local pet store.

Next, you’ll need urine pH test strips, which you can read about, and order at:

http://www.cat-urine-odor-advisor.com/crystals-in-cat-urine-pH-kit.html.

Then, set up kitty in a room of her own with food, water, a clean litter box (scrubbed clean, not just litter-dumped-out clean) with the non-absorbent litter or acquarium gravel. You might also add some of her favorite toys, a kitty DVD (see them here at http://www.cat-urine-odor-advisor.com/cat-litter-box-problem.html), or just turn on a radio tuned to a classical music station, with the volume set low.

This testing is even easier when you know the approximate times of the day or night your cat uses the litter box. You may need to observe your cat for a few days to figure this out. Scout usually goes around 4:30 AM, or 5:00 PM. There’s probably other times, but these are the two most convenient times for me to grab a fresh sample from her.

Give kitty time to give you a sample in the box. Check often, to make sure you get fresh cat urine. Why? Fresh cat urine will give you the most accurate pH reading. The older the urine, the higher the pH reading will be…you’ll think kitty has a problem, when she may not.

Dip the urine pH test strip into kitty’s urine, and GENTLY shake the excess off, over the cat litter box. Hold the wet end up, and compare it to the chart that comes with the urine pH test strip kit.

A normal reading is 6.4 - 6.6. If it’s any lower or higher, please contact your vet as soon as possible for more information.

I test my cat Scout monthly. Since I’ve begun using this method, I no longer have to guess if the changes in her diet and lifestyle are working to prevent future UTI occurences. I know for certain, based on the urine sample test reading.

What could be easier? You:

- Can test kitty at home, at your leisure, and hers.

- Don’t have to schedule a vet visit.

- Can easily read the test results quickly.

- Will know if an appointment with kitty’s vet is necessary or not.

Remember, this testing will tell you that a recurring UTI is possible - it’s NOT definitive. For confirmation, you will need to take your cat the vet.

Good luck, and happy testing!

About the Author

www.cat-urine-odor-advisor.com

nancy@cat-urine-odor-advisor.com

Nancy has successfully eliminated cat urine odor from her home, and kept the kitty that caused it.

Seeing is believing. Unless your website visitors can experience your newsletter and appreciate its value, they�re unlikely to join your opt-in, email list. By posting your newsletter on your website, you encourage more visitors to subscribe and you drive more profitable traffic to your website each month.

- Growing your opt-in email list is one of your most important goals. Your success depends on encouraging a high percentage of website visitors to provide their email addresses and permission to contact them for free via email. Most websites expect visitors to opt-in to email lists without first providing an opportunity for visitors to �test drive� the newsletter. This is like wearing a blindfold when shopping for a car! Thumbnails, reduced size images of newsletters, are not the answer. Visitors are not able to read the value of its information before signing up. As a result, only a small portion of website visitors subscribe and - of those that do � many quickly unsubscribe.

- Your second biggest goal is to monetize your educational One-Page Newsletter by generating immediate sales. For the first time, you can display your newsletter in the context of other text and graphic elements on a web page. Next to your newsletter, for example, you can display links to promotional coupons or links to special offers described on other pages of your website. This is important because fewer and fewer firms are distributing formatted newsletters as email attachments. Instead, they are driving traffic to their website each month by sending short emails announcing the page on their website where they have posted the latest issue. You can now easily convert this traffic into sales!

- The third money-making reason for displaying your newsletter on your website is higher readership. More visitors to your website will likely read your newsletter because they don�t have to first download it. This leads to more sign-ups. The more attractive and informative your newsletter, the more likely visitors will sign-up to receive it. You can prove the consistent high value of your newsletter by adding descriptive links to earlier issues.

Although Acrobat Reader PDF format is ideal for distributing newsletters with typography and formatting intact, it is not useful for previewing newsletters.

Macromedia�s Contribute 2 is a software program that incorporates Flash Paper technology. With Contribute 2, you can easily add a readable, zoomable and printable version of your formatted newsletter to a page of your website.

This means that visitors to your website, without doing anything else, can immediately read and print your newsletter. The newsletter on your website will be an exact replica of the original.

Flash Paper versions of your newsletters complement Acrobat versions of the copies you print on your office printer. For the first time, you can combine the credibility and constant visibility of educational newsletters with sales created by free, targeted promotional messages.

Roger C. Parker is the $32,000,000 author with over 1.6 million copies in print. Do you make these marketing and design mistakes? Find out at www.gmarketing-design.com

Business networking puts more money in your pocket by helping you overcome the number one biggest problem facing new business owners. Prospecting for new customers. Business networking events can go a long way towards making the whole prospecting problem go away. There are two main kinds of networking opportunities available to the average entrepreneur. Passive networking and strong networking. Both have unique benefits and drawbacks.

The most well known example of passive networking is your local chamber of commerce. You can find a chamber of commerce chapter in almost every major city worldwide. Your local chamber of commerce gives you the opportunity to meet with many of the movers and shakers in your local business community. Through the many events they plan on a monthly and yearly basis, they offer you a chance to connect with a number of potential prospects for your products and services.

Weekly networking groups or clubs are an example of strong networking opportunities. These kinds of business networking events can be found in many major cities worldwide. A strong networking group will meet on a weekly basis for the sole purpose of exchanging business leads with one another and learning better ways of networking to grow their business. The most successful networking groups require your weekly attendance and insist that their members provide fellow members with referrals throughout the year. They also allow only one person from each profession or industry to belong to the group. This keeps the quality of the referrals high. One such group is Business Network International (BNI).

So what are the advantages and disadvantages of each kind of networking? They both have their place but strong networking groups represent a bigger commitment than passive networking groups. By belonging to a strong networking group, you are committed to be on the lookout for referrals for group members. Strong networking groups also usually meet on a weekly basis whereas passive networking groups usually meet monthly.

Passive networks can have multiple people from one profession or industry as members. They also have no requirements for passing on referrals to other members. Referrals do occur in a passive networking event but it is not facilitated by the meeting and is totally up to the business owner to initiate. You can belong to multiple passive networking groups. Any business you get from passive networking will most likely be a result of the amount of effort you put in.

Strong networks on the other hand restrict membership to only one person per industry or profession. This greatly increases the likelihood that you will receive referrals from participating members. Meetings are structured in a way to encourage referrals and there is a formal referral exchange that happens every week. It is strongly recommended that you only belong to one strong networking group in order to keep the quality of your referrals high.

In either case, it is important for members of these groups to see you as professional and competent. Referrals will go to people the referrer knows, likes and trusts.

Want more business? Start attending business networking events in your area.

About the author:
David A. Bailey, Jr share little-known, top-secret ways to make money FAST in super-hot niche markets. Join this network marketing mastermind and make your voice heard!
http://www.richnich.com/

Take advantage of the 21st century internet boom!

In the early 19th century there was an industrial boom, those that could see the financial benefits capitalized and created personal wealth. Again in the early 20th century that opportunity came again with the invention of the car.

Those with the business savvy to take advantage early became wealthy. We are privileged to be alive in a time where perhaps the biggest opportunity for wealth has surfaced.

The internet.

The internet is a huge source of information, communication, and MONEY! If you are one of those people that want to capitalize now while everybody sits on the sidelines then take a minute to see what this new boom is all about.

Check it out and find the 3 easy steps to make money online with no investment.

About the Author: Michael Bojanowski is the owner/webmaster of http://www.part-home.com Get your own complete money making, multiple income stream site setup FREE! at http://www.pluginprofitsite.com/main-8023

Source: www.isnare.com