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    The #1 Secret to Money Making Success
    I’m about to share with you the common thread that ties together all successful entrepreneurs. This single trait launched the businesses of Microsoft, Intel, Hershey, JP Morgan, Amazon.com, Nike and so many others. It’s not anything you’ll be taught in Business School, it has nothing to do with accounting, and it doesn’t even have anything to do with what you’re selling or how you’re selling it. I’ll sum it up in two words:GET STARTED!That’s it! It’s laughable at first, but the more you think about it, the m
    ou to do so.

    * Make sure you have a consumer-protected card, some do not have this feature, and be aware of the time limits, and other restrictions

    * Do not accept stalling tactics even if they seem legitimate. Paypay has a 30-day limit. EBay's is 60 days, or 90 days in some cases. Put in a claim immediately, you can always retract it.

    * Be careful when checking feed back, make sure you’re getting reports from buyers not sellers. eBay has made it easier to do this now. These people had deliberately purchased a lot of small items to build up a positive feed back record. I have seen a tutorial that advocates doing it for new sellers who have no feed back record .

    * Follow tour instincts, I had ignored a lot of danger signals. ---DON'T DO THAT---use your common sense---If you su

    How to Create an Effective Mortgage Direct Mail Campaign
    Direct mail is the most effective and cost effective way to generate new mortgage business there is. Marketing as we know it has changed dramatically over the past few years. Homeowners have more resources than ever before, they can research almost any type of mortgage, company, or product online, and within seconds have the information they wanted. This has taken a significant percentage away from conventional forms of marketing. New spamming laws and telemarketing Do Not Call lists (Which over 58 percent of homeowners in the Unite
    An eBay purchase that turned sour.

    A story of fraud, deceit, and broken promises.

    Let me preface my statements by saying that I think eBay is great. I’m a handicapped senior citizen and it’s been a boon to me to be able to shop the Internet and particularly eBay. In nearly six years I’ve had two problems both to do with non-delivery.

    One incident was insignificant as it involved a $5.00 purchase and was quickly remedied. It only deserves mention because it was my first purchase, and because I complained about non-delivery the vindictive seller gave me a negative feed back, which remains on my record to this day.

    Some months ago I purchased a computer through eBay. It was a very good price, but not so low as to arouse suspicion. I paid through Paypal using a credit card.

    I had checked the seller's feedback record, which was perfect. Next day I received an acknowledgment and a promise to ship in a day or so. I waited for a week or so, then followed up the shipment. The seller, Ann apologized and said that she was a government attorney, on call and had been called out of town unexpectedly. She said she was on the road and on her return home would advise me the status of the order.

    About a week later I received an email with an email with a UPS tracking number and an expected delivery date. The date was somewhat extended, but I accepted it, as it was coming across country. When the PC didn't arrive as expected I sent Ann another email. Her response was another apology and she said that her father had died and she was in another state for the funeral and would look into the matter upon her return, also that due to the inconvenience she was going to refund half my money.

    More time elapsed and after several email inquiries I received an email from Ann's husband stating that on her way home from the funeral she had been in a car crash and was hospitalized. He said he was not involved in the transaction, but on her instructions was looking into the matter, and would see that I received not only my computer but also a full refund. Naturally many weeks had elapsed by this time.

    I was beginning to become suspicious and checked their feedback record when suddenly there appeared six or seven bad reviews. On a subsequent check they made their feedback private so it couldn't be accessed. By then it was too late, the next thing I knew their email was suspended.

    When I contacted eBay they gave me Ann's phone number. When I called the phone number their service had been disconnected. I was unable to get an address from either eBay or Paypal.

    I reported this case of fraud, deceit and broken promises to eBay and Paypal. Both had time limits, which had expired, so they were unable to help me, so I turned the matter over to my credit card company.

    Fortunately, I had used a protected credit card, and I was within the prescribed time limit. I don't know what transpired but I subsequently received a notice from Paypal that they had credited my account. Eventually I received a full refund.

    Lessons Learned:

    * Always uses a consumer-protected credit card. Do not ever use your checking or savings account even though Paypal encourages you to do so.

    * Make sure you have a consumer-protected card, some do not have this feature, and be aware of the time limits, and other restrictions

    * Do not accept stalling tactics even if they seem legitimate. Paypay has a 30-day limit. EBay's is 60 days, or 90 days in some cases. Put in a claim immediately, you can always retract it.

    * Be careful when checking feed back, make sure you’re getting reports from buyers not sellers. eBay has made it easier to do this now. These people had deliberately purchased a lot of small items to build up a positive feed back record. I have seen a tutorial that advocates doing it for new sellers who have no feed back record .

    * Follow tour instincts, I had ignored a lot of danger signals. ---DON'T DO THAT---use your common sense---If you sus

    Are You A Leader?
    Can you tell me, aside from all the obvious such as positive attitude, outgoing personalities, sense of teaching, etc.,etc., what is the one quality that every great leader has in common?We know about the obvious things such as visions,setting goals, planning and taking actions. This is the one quality that without its presence, there would be no leadership.I will give you my take on the subject. In order to be a great leader, no matter who you are or how powerful your heritage, you MUST have the WILLINGNESS TO LEARN.<
    I had checked the seller's feedback record, which was perfect. Next day I received an acknowledgment and a promise to ship in a day or so. I waited for a week or so, then followed up the shipment. The seller, Ann apologized and said that she was a government attorney, on call and had been called out of town unexpectedly. She said she was on the road and on her return home would advise me the status of the order.

    About a week later I received an email with an email with a UPS tracking number and an expected delivery date. The date was somewhat extended, but I accepted it, as it was coming across country. When the PC didn't arrive as expected I sent Ann another email. Her response was another apology and she said that her father had died and she was in another state for the funeral and would look into the matter upon her return, also that due to the inconvenience she was going to refund half my money.

    More time elapsed and after several email inquiries I received an email from Ann's husband stating that on her way home from the funeral she had been in a car crash and was hospitalized. He said he was not involved in the transaction, but on her instructions was looking into the matter, and would see that I received not only my computer but also a full refund. Naturally many weeks had elapsed by this time.

    I was beginning to become suspicious and checked their feedback record when suddenly there appeared six or seven bad reviews. On a subsequent check they made their feedback private so it couldn't be accessed. By then it was too late, the next thing I knew their email was suspended.

    When I contacted eBay they gave me Ann's phone number. When I called the phone number their service had been disconnected. I was unable to get an address from either eBay or Paypal.

    I reported this case of fraud, deceit and broken promises to eBay and Paypal. Both had time limits, which had expired, so they were unable to help me, so I turned the matter over to my credit card company.

    Fortunately, I had used a protected credit card, and I was within the prescribed time limit. I don't know what transpired but I subsequently received a notice from Paypal that they had credited my account. Eventually I received a full refund.

    Lessons Learned:

    * Always uses a consumer-protected credit card. Do not ever use your checking or savings account even though Paypal encourages you to do so.

    * Make sure you have a consumer-protected card, some do not have this feature, and be aware of the time limits, and other restrictions

    * Do not accept stalling tactics even if they seem legitimate. Paypay has a 30-day limit. EBay's is 60 days, or 90 days in some cases. Put in a claim immediately, you can always retract it.

    * Be careful when checking feed back, make sure you’re getting reports from buyers not sellers. eBay has made it easier to do this now. These people had deliberately purchased a lot of small items to build up a positive feed back record. I have seen a tutorial that advocates doing it for new sellers who have no feed back record .

    * Follow tour instincts, I had ignored a lot of danger signals. ---DON'T DO THAT---use your common sense---If you su

    Team and Group Behavior
    The most unsuccessful team of which I have seen was formed to help improve the effectiveness of a sales organization in Europe. The team was organized from a group of headquarter specialists and representatives from each country. Although the team existed for 5 years and had strong headquarter support, it only implemented limited improvements despite spending millions in consultant fees and expenses because the country representatives never became fully commited to the team and resisted the overall process.Primary among fac
    ook into the matter upon her return, also that due to the inconvenience she was going to refund half my money.

    More time elapsed and after several email inquiries I received an email from Ann's husband stating that on her way home from the funeral she had been in a car crash and was hospitalized. He said he was not involved in the transaction, but on her instructions was looking into the matter, and would see that I received not only my computer but also a full refund. Naturally many weeks had elapsed by this time.

    I was beginning to become suspicious and checked their feedback record when suddenly there appeared six or seven bad reviews. On a subsequent check they made their feedback private so it couldn't be accessed. By then it was too late, the next thing I knew their email was suspended.

    When I contacted eBay they gave me Ann's phone number. When I called the phone number their service had been disconnected. I was unable to get an address from either eBay or Paypal.

    I reported this case of fraud, deceit and broken promises to eBay and Paypal. Both had time limits, which had expired, so they were unable to help me, so I turned the matter over to my credit card company.

    Fortunately, I had used a protected credit card, and I was within the prescribed time limit. I don't know what transpired but I subsequently received a notice from Paypal that they had credited my account. Eventually I received a full refund.

    Lessons Learned:

    * Always uses a consumer-protected credit card. Do not ever use your checking or savings account even though Paypal encourages you to do so.

    * Make sure you have a consumer-protected card, some do not have this feature, and be aware of the time limits, and other restrictions

    * Do not accept stalling tactics even if they seem legitimate. Paypay has a 30-day limit. EBay's is 60 days, or 90 days in some cases. Put in a claim immediately, you can always retract it.

    * Be careful when checking feed back, make sure you’re getting reports from buyers not sellers. eBay has made it easier to do this now. These people had deliberately purchased a lot of small items to build up a positive feed back record. I have seen a tutorial that advocates doing it for new sellers who have no feed back record .

    * Follow tour instincts, I had ignored a lot of danger signals. ---DON'T DO THAT---use your common sense---If you su

    Things to Consider Before Starting Your Own Business
    Deciding which small business to invest in is only part of the equation. The first and most important step is finding a business that's right for your personality, which has a direct effect on your entrepreneur style and how successful you will be with your business.Determining your entrepreneur style requires that you take an honest look at your business skills and motives for starting your business. For example, if you don't like social settings and aren't comfortable speaking with people, it's not a good idea to invest i
    ed.

    When I contacted eBay they gave me Ann's phone number. When I called the phone number their service had been disconnected. I was unable to get an address from either eBay or Paypal.

    I reported this case of fraud, deceit and broken promises to eBay and Paypal. Both had time limits, which had expired, so they were unable to help me, so I turned the matter over to my credit card company.

    Fortunately, I had used a protected credit card, and I was within the prescribed time limit. I don't know what transpired but I subsequently received a notice from Paypal that they had credited my account. Eventually I received a full refund.

    Lessons Learned:

    * Always uses a consumer-protected credit card. Do not ever use your checking or savings account even though Paypal encourages you to do so.

    * Make sure you have a consumer-protected card, some do not have this feature, and be aware of the time limits, and other restrictions

    * Do not accept stalling tactics even if they seem legitimate. Paypay has a 30-day limit. EBay's is 60 days, or 90 days in some cases. Put in a claim immediately, you can always retract it.

    * Be careful when checking feed back, make sure you’re getting reports from buyers not sellers. eBay has made it easier to do this now. These people had deliberately purchased a lot of small items to build up a positive feed back record. I have seen a tutorial that advocates doing it for new sellers who have no feed back record .

    * Follow tour instincts, I had ignored a lot of danger signals. ---DON'T DO THAT---use your common sense---If you su

    Let's Flourish and Prosper!
    Some say that in business as in sex: if it is good, it’s great and if it is bad it’s still pretty good. This does not happen to be true. If business is bad, it can get very bad. There are personnel problems, production expenses, overhead, laws, taxes, fines. Faulty financial decisions, inability to accurately evaluate the situation and quickly resolve problems all lead to an extremely high mortality rate among new business: up to 95% do not survive past their first 12 months.Modern business management is an art, based on a ce
    ou to do so.

    * Make sure you have a consumer-protected card, some do not have this feature, and be aware of the time limits, and other restrictions

    * Do not accept stalling tactics even if they seem legitimate. Paypay has a 30-day limit. EBay's is 60 days, or 90 days in some cases. Put in a claim immediately, you can always retract it.

    * Be careful when checking feed back, make sure you’re getting reports from buyers not sellers. eBay has made it easier to do this now. These people had deliberately purchased a lot of small items to build up a positive feed back record. I have seen a tutorial that advocates doing it for new sellers who have no feed back record .

    * Follow tour instincts, I had ignored a lot of danger signals. ---DON'T DO THAT---use your common sense---If you suspect foul play, Take immediate action.

    Remember that scam artists are very good psychologists. They know how to appeal to your sensibilities.

    Beware---They're Pros they make their living that way. Fraud and deceit are their tools of trade.

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