money tips

How To Ask A Lottery Winner For Money Money

Are you in need of money? Perhaps you just want more money. Either way, you might be considering asking a lottery winner for money. If so, you would probably go about asking in different ways, depending on whether or not you actually know the person.

If You Know The Lottery Winner

Let me tell you a true story about two women. These two women were best friends for many years. For one reason or another, they drifted apart and didn’t see each other for a few years. Then one of the women won the lottery. It was a massive jackpot worth hundreds of millions of dollars. A few years after she won the lottery, she re-connected with her old friend. Within days of re-connecting, the one woman told the jackpot winner that she had $50,000 worth of medical bills that she just couldn’t pay. Read between the lines – She was indirectly asking for money.

The jackpot winner was more than happy to pay the medical bills for her friend. She told her to just give her the bills and she would take care of it. That would have been great, except that there actually were no medical bills. It was just an excuse for a reason to ask for money. The lottery winner didn’t like that. If the friend just straight out asked for the money, she probably would have given it to her. But her friend lied and insulted her intelligence.

What’s the moral of this story? If you have a friend that won the lottery, don’t come up with a false story to try to get some money. Rather, just ask you friend straight out to give you some. They just might do it.

If You Don’t Know The Lottery Winner

If you’re planning to ask a lottery winner that you’ve never met for money, you should know up front that the odds are against you. A lot of lottery winners, especially new ones that win massive jackpots get inundated with requests for money. Often, those requests come via sob stories that tug on the person’s emotions. You should know that these new lottery winners quickly become immune to these requests and tune them out.

So if you’re planning to ask a stranger for money, don’t come up with sad stories. Just like in the previous example, tell the truth and just say that you’d appreciate it if they could spare some money. They’ll more than likely decline your request, but don’t take it the wrong way – Jackpot winners can’t give money to everybody that asks them for it. Just make sure that you don’t harass anybody while asking them for money – That’s illegal.

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Online Forex Trading – A Great Way To Make Money Money

For a long time, little was known about online Forex trading. Mostly wealthier individuals and companies were the only ones investing because large amounts of money are needed to invest in order to actually make a profit. Now, however, many individuals are becoming interested in the online Forex trading market because it is an easy way to make money.

A person can invest a smaller amount of money than larger companies and still make a small profit. They then choose to invest the same amount of money in addition to the profit they just made, and slowly work on building up their money so that they can invest larger sums of money.

In order to trade in the Forex market, one must open up an account for the market, and having a broker is a necessity. There are several articles available online that can help individuals figure out all of the details about how to choose a broker and what they need to consider when opening up an account.

For example, many brokers charge fees. For most, there is a fee for every single trade. This is relatively insignificant when a person is only interested in investing a small sum of money, and then letting it sit for a while. If a person only plans on making a few trades, this probably does not seem important.

On the other hand, many investors like to jump right in, or they wind up making more trades over time, they will need to take this into consideration to make sure that they do not wind up losing money.

The online Forex market is a great way to make money, but it can also be a quick way to lose money as well. If a person makes the wrong trade or does not understand how the market works, they can quickly wind up with almost no money.

This is one of the most important reasons that individuals are encouraged to read as much as they can about this form of investing before taking the steps to open an account. There are several software programs available that are becoming increasingly popular as more individuals are choosing to jump into the market.

These programs help keep an eye on the market, and can then let individuals know when is the best time to make a trade. Most of them include data tools that are used to formulate reports about the market and can help identify market trends. Some even take things a step further by having the option to make a trade for users.

With these programs, the users have to do almost nothing. They simply install the program, set the settings, and then decide whether they are comfortable with the robot making the trades for them. It can really be that simple.

Online Forex trading continues to increase in popularity among the average joe now that the internet allows any person to trade one currency for another. The invention of the internet has opened up this opportunity to allow every individual to enjoy making money through this market, and software programs continue to make it easier than ever before.

money

Make Some Easy Money by Buying a Car For $1000 Bucks and Parting it Out Money

Lots of people turn to cars under $1000 bucks looking save a buck or two. Here is a quick guide on how to make some cash (that you can use to buy more rusty boxes on wheels of course)

Plain and simple part cars out.

Step 1. Buy a car. This is pretty much the most crucial step. If you are actually doing this to make money and not just salvaging that blown up buick sitting in your driveway than you need to find a car that people want to buy parts for. eBay is pretty much your friend here and my suggested avenue for selling most parts. In the past I have watched people make money from a variety of cars (my roommate used to finance his workshop with parted out cars) One in particular was a 1994 Honda Accord. Thats right you don’t need to buy a 1939 Alfa Romeo (although that would be sweet) or anything super rare to get good money for parts.

Often times finding a car that is pretty common can be a good thing but be sure to check eBay for the prices certain parts are going for before hand and let that be your guide in making your purchase. Now when it comes to buying the car usually the ones that don’t run will be your best deals and you may even get a freebie if your lucky. (few people want dead cars in their driveway) Obviously the less you pay the more you profit.

Step 2. Tear it apart. The key here is research and time management. Everybody wants to pull the engine and trans etc., but often times it may not even be worth it. Check out eBay or where ever you plan on selling and ask yourself is what these parts are selling for worth my time? Would I actually want to crate and ship this? Is anybody actually bidding on this crap? All good questions that need answers. Honestly it tends to be the nickel and dime parts that can really make you some money. Shifters, speedometers, sensors, mirrors, sun-visors, etc. these parts take seconds to remove and if they are in good shape people are often willing to pay a pretty penny for them, because the only other option for parts like these tends to be the dealers who charge an arm and a leg.

Step 3. Sell The Parts. Once you have determined what you want to sell and pulled the stuff off its time to start selling. I like eBay but swap meets, forums, and other sources may work better for you. If you have done your research you know where to find the people who see value in the parts you have pulled.

Step 4. Scrap the rest. Always factor in that you can prolly get $100-$300 bucks for the rest of the pile at the scrap yard. Usually you will want to haul it there yourself and will probably need to pull the tires and gas tank. I would even consider it a good rule of thumb to try and not pay more for the car than you can scrap it for. This helps you avoid any kind of loss.

And there you have it. Four easy steps to make some quick money and make your neighbors hate you.

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Motivate Yourself to Prospect and Overcome the Fear of Rejection Money

Style points don’t count. Ability is not enough. In sales, winning comes only with attitude! And winning at prospecting or cold calling, whatever you may call it in your business, is all about attitude!

When you are responsible for opening new accounts, as a salesperson one of the keys to your financial success is your attitude toward prospecting.

If you don’t have the desire to prospect, or are afraid of it, you don’t do it often enough. As a result, your prospecting skills become weaker. This in turn causes your motivation to go down and it now becomes a monumental task.

When we evaluate the reasons why a salesperson has failed or plateaus at an unacceptable level, we are constantly reminded of the following; they are not motivated to prospect or, have a fear of rejection. Neither their lack of motivation nor the fear of rejection is the main culprit; both are to blame. It is a catch-22. Either the lack of motivation causes the fear of rejection or the fear of rejection de-motivates them. Either way, the person never becomes the effective prospector they could be.

What we offer here, are some ideas on how to get motivated and stay motivated when prospecting or cold calling. We have also included suggestions that will help you overcome the fear of rejection. When you internalize these concepts and techniques, you will become the most effective prospector you can be and will achieve the level of financial success you deserve.

Believe in it: it works.

Prospecting over the phone or cold calling door-to-door is a very effective way to find qualified leads for your business. Since the beginning of time, farmers, live stock ranchers and a variety of other vendors have been bringing their products to market on horse and buggy. Today, millions of companies spend millions of dollars and have millions of salespeople doing it. So why shouldn’t you?

Prepare yourself properly.

Prospecting is like a contact sport. You are either prepared and have an advantage over the other person, or you are unprepared and don’t. Top salespeople have regular phrases, statements and/or scripts they use to generate interest on the part of the prospect. They are also prepared with a list of common objections and responses to handle any resistance the prospect or gatekeeper throws at them. This preparation comes from practicing with a peer or sales manager and/or from making a lot of calls to prospects. My question is, “Are you fully prepared?”

Discipline yourself.

Every time you feel like quitting and/or find yourself procrastinating, you are being bit by the Fear of Rejection bug. The only way to beat this bug is to maintain the discipline to keep going. Discipline in our business is about forcing yourself to do something that you don’t want to do. When you are staring at that name on your list or standing outside the prospects door – Just do it! No one has more power to discipline you then you.

Convert that feeling.

Try to understand why you get sick to your stomach when you have to prospect. Or why you hate the phone and have the fear of rejection. Ask yourself why you feel this way and then listen for the answer. When you are in a quiet place and are truly interested in finding the reason, it will come out. Don’t let that feeling control you. You have to learn how to control it. Once you have control, you can convert the negative feelings into positive energy. The good news is, the worse you feel now, the stronger you’ll be when you convert it and the more chance you have of being a prospecting dynamo!

Don’t take it personally.

Most, if not all, of the prospects you are going to call are bombarded with salespeople each week. And they reject most, if not all of them. They are not rejecting you; they have rejected every other salesperson that has called them this week. So when you call, it is not you they are rejecting, they are rejecting another salesperson. Don’t feel so singled out. You are among an elite group of people whose job it is to find people who are not so willing to or who are unable to reject salespeople. And that’s easy when you have a good call list and are well prepared.

Partner with a buddy.

Many people that exercise would rather do it with a friend because this helps keep them motivated. Both people enjoy the workout more, plus they keep each other in line. We recommend you find another salesperson in your organization that has the same or better work ethic as you and agree to keep each other motivated and positive during prospecting sessions. When you make commitments to each other of when, how long, and who you are going to prospect, you subconsciously put incredible pressure on yourself to hold up your end of the bargain. This is very healthy pressure to have.

Make the time to prospect.

This is part of the discipline theory we spoke of before. Every salesperson we meet says they are busy, and some say they are too busy to prospect. This is nothing more then an excuse and an infection by the Fear of Rejection bug. Top salespeople make a habit of allocating a certain percentage of their week to prospecting. Regardless of their workload, they put a priority on prospecting and do it regularly. It is your responsibility to make time to prospect and create this habit.

Organize your list of leads.

It is a complete waste of time to make phone calls to companies and people who are not qualified to buy your product or service. Top salespeople have at least 100 qualified leads on their call list at all times. A qualified lead is defined as a prospect you know can use and pay for the products or services you offer or is currently using similar products or services offered by your competition.

A business card is not a prospect.

I am amazed at how little value salespeople put on prospects. They get a business card from somewhere, write some notes on the back and use this as their main prospecting system. A stack of these things with a rubber band wrapped around them is an inefficient method of prospecting. I recommend you use a computer, an index card system, 3-ring binders, or a manila file folder system and keep more information on each prospect. In addition to the name, title, phone number with direct extension, and address of the person who has the authority to buy your product or service, you can collect additional information and use it to your advantage.

Call Decision-Makers only.

Strong lead lists will have the name of the Decision-Maker for each lead. A Decision-Maker is generally defined as the person who makes the decisions in relation to your products or services. Generally, there are two things we look for when categorizing someone as the final Decision-Maker: 1) the ultimate authority in their organization to over-rule everyone else’s decisions regarding your products or services, 2) the ability to allocate money, set budgets, issue POs, sign checks, give you a credit card or enter into agreements with you. They have the money and they can spend it!

All at once or not?

Salespeople regularly ask me if it is better to cold call for eight straight hours (one full day) or to break it up into two-four hour sessions. Frankly, I have met successful salespeople that do it both ways. One salesperson may prefer to allocate a full day to nothing but prospecting while another may prefer to break it up into two mornings on two different days. I don’t think it makes a difference, I believe we all have to find the method that is comfortable for us. Provided you discipline yourself to concentrate on prospecting during this time period and not on other busy work.

Break up the day/session.

The fact of the matter is that even great prospectors are going to be rejected. Prospecting is a numbers game based on percentages. Having said that, I believe it is sometimes difficult for people to take a lot of rejection for a long period of time. So I recommend breaking up your session in a fashion similar to this. Make a particular number of calls to brand new prospects and then, make some calls to prospects you have previously called on, then call some people for referrals, then take a short break.

What I have just described is one cycle. The length of each cycle will depend on your commitment to prospecting, your work ethic and level of tenacity. In order to effectively prospect, you are going to have to repeat these cycles as often as you can in order to get results. Only you can determine the length of each cycle and how many cycles per day you are comfortable with.

Use a headset.

Not for motivation, for discipline and efficiency. When you are “literally” connected to the phone via a headset, it is much harder for you to walk away from your desk. So many people put the phone down and have trouble picking it back up. They don’t even realize it, but as soon as they put it down, the resistance to picking it back up is even greater. If you can’t afford a headset, make it a rule that you will never put the receiver down until you dial at least “x” amount of calls. Just hang up each call with your finger instead of putting the receiver down. Once it’s down it’s even harder to pick back up again!

Hold all calls.

Not for motivation, for discipline and efficiency. A telephone prospecting session is just that – outgoing calls only. Have your receptionist or assistant hold all your calls or direct them to your voice mail. Telephone efficiency is all about rhythm. Once that rhythm is broken it’s hard to get it started again. When you start to field incoming calls you might get sidetracked by a friend or even worse a customer who needs something now. Boom: rhythm broken.

It’s a numbers game.

Even professional baseball players are only successful at getting on base 30% of the time. And they rate in terms of skills in the top 1% of all the millions of kids who start out playing baseball. So let me get this straight. They are the best of the best, get paid millions of dollars and yet actually fail on a consistent basis 7 out of 10 times! Why don’t they get the fear of failure? Because they understand it’s a numbers game. In the sales profession a 20 to 30% success rate is good. When you can secure 2 – 3 appointments from every 10 prospects or leads you are doing a good job. Keep in mind that every customer “no” gets you one step closer to that elusive “yes.” Just keep getting up to bat.

Build on little successes.

Regardless of your experience level, you may occasionally hit slumps just as professional athletes do. To overcome this they don’t quit, they focus their attention, practice regularly and keep at it. Little by little they start to succeed and get their confidence back. You can do the same by working a strong referral list or by calling on some previous accounts. By doing so, you will get your rhythm back. As soon as you start to succeed throw in a couple of cold prospects and watch your confidence take over. Even if you are not in a slump, during a call session you may want to call on some older customers to keep your motivation and confidence level up.

Increase your tolerance level.

You don’t start your running career with the 100-mile marathon. You start by first running the 5-mile marathon. Then you build your level of tolerance and stamina. Same with prospecting. If you are suffering from a lack of motivation or the fear of rejection, start small and build your way up. Start with 10 calls the first week, 15 calls the second week, 20 calls the third week, 25 calls the fourth week, and so on. Recently I was thrown out of a building by the security guards while prospecting with a new sales rep. She was so embarrassed and devastated. I though it was fun!

Set goals.

Recently I was speaking with a veteran salesperson of about 16 years. For the past 8 years, he had a strong account base and did not have to make cold calls. He just took a new job with a company that does most of its business by telephone prospecting. He said he was scared at first (he took a cut in pay in hopes of the bigger payoff) but had faith in the company and went at it. He told me the main reason he has been more successful on the phone than most of the other new reps is because he sets goals for himself every week. He has goals for the number of times he dials the phone, the number of contacts he makes and the number of appointments he sets. Basically, he said he works as many hours as it takes to hit his goals. Now that’s commitment and desire!

money changer

Metal and Wood Baby Furniture – Pros and Cons Money

Are you currently looking for baby furniture and want to know the pros and cons of woods and metals? With so many choices out there, doing some research can really help you narrow down what is the best fit for your home. While so many metal and wood baby furnishings are pretty, will they meet all the functions you have in mind for them? Hopefully this article can answer some of those questions for you and give you a clearer picture of what your needs and wants are for your dream baby nursery.

Pro’s of Wood:

* Style options! One of the obvious reason’s wood is a zealous choice is because of so many choices out there for styles and finishes! With crib brands like DaVinci, you can get anything from light natural finish to a dark espresso or black and in-between. Young America furniture from Stanley takes design a step further and has almost any color you can think of like pink, green, blue and purple. In the style section, every design out there is now available for wood baby furniture. Take any theme you have in mind, and you will find wood furnishings to coordinate. Retro, modern, French, classic, traditional and much more!

* Functionality! In today’s baby crib market, you can buy one baby bed and have it last your child’s entire lifetime. DaVinci and Storkcraft brands offer wooden convertible cribs that can transform to up to four different bed sizes. Most of the time there are additional parts you will need, but what a time and money saver to get a bed your baby can use as long as he wants? Not only is that beneficial to the family, but it makes a deep impact on the planet by helping with deforestation.

* More storage selections. Choosing wood will increase your storage options. Armoires, dressers and chests aren’t readily available in metals. DaVinci has a combo changer and dresser in almost any size that you can use as a changing station for the first few years, then you can just take off the changing pad and use this as a full time dresser his whole childhood.

Pro’s of Metal:

* Upscale elegance! No one can deny the fashion statement that an elegant metal crib makes in a nursery. The opulent iron scrolled cribs like Corsican and Little Miss Liberty offer incomparable sophistication. Notably, metal cribs are now offered in several themes and colors. You can get bunny, horses and tea time finials with the post iron cribs that really tie up a nursery theme.

* Durability. Of course a metal crib will be more durable than wood. If you’re looking for a solid and simple crib that can work with a lot of different themes, LA Baby has taken their industrial grade cribs that were once only available to professional places like hospitals and daycares and opened them up for parents. These cribs have stout hardware and concentrate on stamina versus themes.

Con’s of Wood:

* Not as strong as metal. Wood is definitely durable or the majority of furniture wouldn’t be wood, but when comparing it to metal…metal will definitely win out. You always run the risk of scratching paint and finishes more easily with wood. To ensure that wood furniture retains its new appearance you can get furniture markers that match the finish for when touch-ups are needed.

Con’s of Metal:

* Selection. If you have in your mind a very upscale and antique styled nursery, getting a lavish iron crib will really set the scene! But besides antique and classic, you’re going to be hard pressed finding other styles in metal furniture. You will also struggle finding other baby furniture in metal that will match your crib and nursery theme. If you go with the industrial design, you can get lots of colorful pieces you can use for storage, but you won’t find metal baby furniture in categories like armoires and full size dressers. You can pair wood furnishings with a metal crib if you get furniture with coordinated metal knobs.

* Price. These extravagant metal cribs can cost a pretty penny! Their intricate designs and solid frames are costly to make and they only last one stage. Many parents decide on the iron cribs for the heirloom factor and then subsequently buy big kid furnishings and pass the crib down through generations. Metal cribs are generally more of a sentimental investment rather than something you’ll be buying for function and overall versatility.

Final Thoughts

There’s no argument that both metal and wood have their positives and negatives! You have to determine what your wants and needs are and get what will fit best. Metal is a smart choice for pure luxury and heirloom quality or as a contemporary industrial sleep environment with amazing crib functions. Wood on the other hand can be found in designs that are diverse and useful at any stage of your child’s life. They do stand up to use, but will require some minor maintenance through the years. You can find wood baby furniture in any theme, price, style and color for you to create whatever nursery d├ęcor you have in mind.

money changer