Can it be?! It’s hard to believe, but millions of people are preparing to go back to school already. Speaking of which I’ve noticed how Financial Literacy programs are beginning to pop up in schools now. At last! Maybe Home Economics (am I dating myself?) will take on a whole different meaning?

Who taught you, consciously or unconsciously about money; parents or guardians, relatives, neighbors, friends and bosses?

How and what did they teach you?

All of us began learning about money somewhere around the age of 2-4 years old, by absorbing what those around us said and felt about it. How did your parents/guardians handle money? Was there tension in your household around it or were you surrounded by people who spoke openly and caringly about it? How did people speak about money (i.e. “Money doesn’t grow on trees”, “Marry someone with money”, “Filthy Rich”)? Did it flow from a place of generosity or scarcity?

Think about the 5 people you spend the most time with and look at their relationship to money. We can tend to surround ourselves with people who hold similar emotional patterns, so when you are transforming your relationship to money, seek out people who embody and have already created what you want in your life as you can learn a lot from them. If you recognize a characteristic in someone else that doesn’t agree with you, consider the fact that it might resonate with you because you carry similar qualities. This is not necessarily easy to hear, but if you decide to learn from it, your awareness level will take a big leap forward.

I say, Your Money, Your Mirror, as healing your relationship with money ultimately starts with self-knowledge. When you become more self aware, you can then create conscious actions that serve your best interests at heart.

Think about some of the questions. Observe what memories and feelings come up and see what you learn from them.

If you are an entrepreneur, chances are you are going to need to have a business credit card. It is not a wise choice to use your own personal credit cards for expenses your business has, as you are required to separate your business expenses from your personal expenses.

The number of uses you will find for your business credit card are pretty much limitless. These include paying for travel expenses, paying company bills online, and entertaining clients.

There are several to choose from, but one of the top issuers of credit cards for business is CitiBank with their CitiBusiness credit card. If you use a CitiBusiness credit card, you are using a credit card that was made with the business owner in mind.

Because you can request additional credit cards for employees, and set the credit limit for each card, CitiBusiness really lets you control your expenses. You have total control over the management of your CitiBusiness credit cards with the ability to view all charges, view statements and even add employees, all online.

CitiBank offers low interest business credit cards that may perfectly fit the needs of your business. They are also often running specials that give you low introductory interest rates on purchases or balance transfers for a given length of time. This really lets you get a handle on your cash flow without having to pay interest.

CitiBusiness offers credit cards that include a rewards program. With such a program, you earn a given number of points for every $1 you spend with your credit card. The choice of how to redeem points is up to you. They give you a few options so that you are not stuck with just one choice.

A business credit card that is in the name of your business is something that you really need as a small business owner. Not only will this separate your business and personal expenses, but it lets you see what you are spending money on for your business.

If you are going to use a credit card for your business, then you really should use a card that is specifically designed for small business use. One such card is the CitiBusiness credit card, which offers some incredible benefits for the entrepreneur. See how you business can benefit from a CitiBusiness card today!

If you truly want to be successful in real estate investing and do it as a full time job, or even if you want to be really good at it part time, then you have to build systems. Effective systems for everything.

Here are some of the systems that you need to have in place: 1. Lead generation (for buying houses and finding buyers for your deals); 2. Lead processing (a system to handle the leads once you get them); 3. Closing system. The system to handle your buyers is the most important of them all.

Set up a system that attracts to you the buyers looking for the kind of deals you have. Among all things, it must be able to whittle them down. Meaning, the system should separate tire kickers from true buyers, so that you don’t have to respond to everyone who shows just a little interest. If you don’t have this system, you will not be selling a lot of properties and you will be wasting a lot of time.

Take time to build these systems. I know most investors are too busy trying to do deals. The problem is they never make an effort to build the systems and, as a result, they never seem to get to the point they want to be at as an investor.

Take the time to build the system and it will help expand your business like nothing else. This time is worth it, I guarantee it!

QB- 49ers with Montana and Young

Pick any franchise and position(s) you can think of.

The word “tortillas” comes from the Spanish word “torta” which means round cake. Tortillas are very popular in America as well as Mexico. Americans like to be creative with their tortilla fillings and will eat them with apples and brown sugar or beans and meat or even peanut butter and jelly. Tortillas can also be used instead of bread, to make a kind of sandwich, for casseroles and as a wrap for hot dogs. You can do many things with them and you can even make your own homemade tortillas.

Tortillas have been enjoyed for many centuries, but not with all the fillings that are used these days.

Tortilla history tells us that the Aztecs were making flour tortillas over 10,000 years before Christ. They ate a lot of corn, either direct from the cob or used as an ingredient in another recipe. The Aztecs would grind the corn into cornmeal and make corn dough, or masa, out of it. This was done by mixing the cornmeal with water, which had to be exactly the right temperature; else, it would be the wrong consistency to make a dough. When the masa was ready, the Aztecs would shape it into a ball and then flatten it into a type of thick pancake. When it was the right size and thickness, the masa dough would have been placed on a hot griddle and cooked quickly.

The tortillas of today are still made with the same ingredients as in tortilla history. Because they are very popular, most tortillas today are made in factories with machinery. They come in a lot of different flavors and you can also make homemade tortillas quite easily. A lot of Mexican foods use tortillas as an ingredient. Tacos, for example, use flour tortillas as the shell. With an enchilada, the tortilla is filled, then rolled up, and cooked. Tortillas are used as turnovers to make quesadillas, which are filled before being fried.

If you think that tortillas are just for eating, think again. There is a type of art that is called “tortilla art.” It is a fine art that uses tortillas as the canvas. First, the tortillas are baked and then covered with acrylic. After that, they are painted. Tortilla art is made to represent the culture of Latino artists.

Tortilla chips are also made from tortillas. The tortilla is fried after being cut into wedges. The ingredients in corn tortillas are corn, salt, water, and vegetable oil. These tortilla chips first gained popularity in the 1940s in Los Angeles, California. These chips were mass-produced there but are still known as Mexican food.

Americans like to use tortillas in various dishes. They are commonly used in burritos, which originated in northern Mexico many years ago. Many people from the north of Mexico and the Native Mexicans in the southwestern United States eat tortillas as a food staple. Many restaurants use flour tortillas in a variety of non-Mexican and Mexican recipes. Nearly every grocery store has tortillas and you can also make homemade tortillas and experiment with the ingredients and fillings.

There are plenty of tortilla recipes available if you fancy making your own tortillas and creating some wonderful fillings!

Today I received a long letter from a man who created a new self-defense system. He claims he can defeat anyone in under 3 minutes.

He wants me to promote him and his method. He went on to say he’d be happy to meet with me to prove his skills.

What did he have in mind?

He wants to beat me up.

I’m serious.

“If I can defeat you within 3 minutes,” he said in his letter, “then you promise to promote me and my products. Deal?”

He went on to give me the contact information for his agent so I could set up the match.

It might have made an interesting webcast. I can just see the headline:

“51-year-old formerly obese Internet Marketing Expert meets 30-year-old Superman-fit Martial Arts Expert in Quick-Kill Match. Register now.”

Gee, I wonder who would win?

I’d lose even if I went armed.

What would you have done?

How would you have responded to his offer?

Unless you’re a fighter looking for a match, you’d probably toss this offer in the trash.

I often wonder what people are thinking. Does this guy really think I’ll fight him? And then, if I lose, I’ll gladly smile and start marketing him?

I don’t claim to be a fighter and am not seeking bouts. I’m also not seeking new clients. Especially clients who want to break my nose to prove they are better than me.

When you reach out to anyone, keep in mind that no one likes to be told they are inferior. It is not a good way to win friends and influence people. In fact, it’s not a good way to do much of anything.

I think the lesson here is that we all have egos. The better way to approach people is to put your ego under theirs.

In other words, be willing to lower your status. Don’t flaunt your stuff. Instead, show your weakness and ask for help.

This nervy fighter might have done better by offering to teach me his new method, not offering to embarrass me with it.

Contrast his behavior to that of a man in Florence, Italy. This gent heard I loved leather jackets. He went and bought two of them and sent them to me, gratis.

I’ll never forget *him*.

This works in your marketing, too.

Rather than boast that you or your business is the greatest, focus on how you or your business can make your customer or client the greatest.

Or surprise your customers by giving them gifts (much like this article is a gift). People love to be surprised on the positive side.

See the difference?

This redirection of focus can trigger a true transformation in your sales.

Take heed.

See you in the ring.

Have you experienced having a negative credit account? You have to repair your credit score as soon as possible, least you suffer the unfavorable consequences attached with a poor credit rating.

These are the 5 methods for you to get back to good credit standing:

1. Practice control when it pertains to the handling of your assets. Dont make the situation more difficult. Youre by now in tight situation, so avoid digging a deeper hole for yourself. This means that you should minimize your everyday expenditure, stop relying on your credit line, and start to save up for the payment of your debts. Your overdues wont be fixed without you doing anything about it. In due course, you will have to find a way to save enough resources for the fulfillment of the same, and this begins by infusing control in the economic facet of your being.

2. Pay your debts. As we have mentioned previously, your overdues wont be fixed without you doing something about it. They will not vanish. You need to do something to pay for them. Credit repair starts with the satisfaction of your existing debts.

3. Utilize old credit cards. Heres a nifty little secret. Business professionals propose for the use of old, but usable, credit cards. For the reason that their time of issuance should be earlier than your current credit lines, credit bureaus will give them greater weight, given that they are still active for an ample span of time. Utilize your oldest credit cards every other month or so, by making small purchases. Then settle your account on time. In this manner, credit bureaus will know that youre responsible with your older credit lines, and such will reflect favorably on your credit score.

4. Dispute questionable claims. If you have purchases on your credit card bill that you think you didnt buy, dispute them as soon as possible. They will be isolated from your records, and they will be excluded in calculating for your FICO score awaiting their motion.

5. Question all the inaccuracies you will see. Some erroneous entries in your credit record can significantly affect your credit score. Your credit statement may show a lower credit limit compared to what you can pay for, for example. Or due dates may have been wrongly put, making you appear more delinquent than how you really are. Examine your credit statement carefully, and have these mistakes corrected at the soonest possible time.

Managing your debt and credit wisely will lead to a lifetime of financial benefits. Mortgages for bad credit have 2% to 4% higher interest rates . Over the life of the loan this can amount to tens of thousands of dollars in extra interest charges. There is no need for you to go through life with bad credit. There are ample debt resources available to help you improve you financial status.

Feeding small children can be a real chore and it is even harder when they are fussy eaters. It is very important to make sure small children get adequate nutrition. Fortunately, there are ways of making them eat even if they don’t want to. It is a good idea to have a selection of favorites to fall back on, including hotdogs, pizza, homemade chicken noodle soup, crockpot chicken noodle soup, and lasagna.

It might be more of a chore but the easiest thing to do is to prepare a few different dishes so your child can decide for himself what he want to eat. You could even try asking what they are in the mood for. If the child thinks that he can make the decision about food himself sometimes, he will be happy to eat what you have made especially for him. You can do what you like with his suggestions, of course. He might suggest homemade chicken noodle soup, in which case you can make a crockpot chicken noodle soup if you are going to be out all day and won’t have much time before his mealtime.

Encourage your child to take a no thank you bite of each of the dishes that you prepare. This way he or she will at least taste the food before disliking it. Nine out of ten times, he or she will like the dish and possibly ask for more.

Another good way to convince your children to eat is to give their food the names of their favorite fictional or cartoon characters. Bart Simpson Stew or Special Spiderman Salad will bring a smile to your child’s face and encourage him to eat the meal. Children identify with shows they like and if they think they are eating cartoon foods, they will be happy to finish the meal.

Making fun, colorful dishes can encourage your child to eat. Red, green, and yellow bell peppers add color and you can call this Christmas casserole. You can make chicken noodle soup and call it Daffy Duck soup or something, just to make sure it is eaten.

Children are very particular and even though they are little, they know what they like. If something does not look appetizing to them, you will have very little chance of getting them to eat it. They do not understand that it is good for them; they depend on you for that.

If you enjoy cooking, you can involve your child in the preparation. If a child is able to be part of the cooking process, they are far more likely to enjoy the results because they are proud to have helped to create it. They would prefer homemade chicken noodle soup, which they have helped with to “the stuff in the red and white can.”

If you know your child does not like a particular ingredient, you can grind it in the food processor while they are not looking. They won’t be able to taste it in the finished meal.

When you are feeding a child, sometimes these alternative methods help. The main thing is to be flexible while still providing adequate nutrition. Simple meals like chicken noodle soup, lasagna or grilled meat with a sauce and vegetables provide excellent nutritional value. Nobody wants dinner to be a battleground and if you follow these tips, it doesn’t have to be.

One of the biggest investments the majority of people make is buying a home. It only makes sense that that investment needs to be properly protected from damage or destruction with an up to date home insurance policy. If you currently don’t have coverage or are wishing to see if you can save some money off your current policy then doing a home owner insurance online quote can get you started.

Protecting your home from all manner of damage and disasters caused by fire, windstorms, hailstorms, explosions, vandalism, theft, water and snow damage, and all other manner of problems is the purpose of home owners insurance. Without it most homeowners would be hard pressed to pay for replacing damaged personal items or damage to their house.

A standard homeowner insurance policy should cover the repair and replacement of the home in the event it is destroyed. It should also reimburse the homeowner for damaged personal items and in most cases riders can be added to protect item of great value, such as family heirlooms or jewelry. Without a comprehensive coverage policy everything owned can be lost. This is why it is important to make sure any new policy quoted provides the proper amount of coverage.

When getting a home owner insurance online quote you will be asked to fill out a questionnaire that includes personal information but more importantly abut your home and the value that is attached to it. This part of the process may also show you things about the value of your home and personal belongings that you may now have realized in the past.

Besides looking for the lowest possible price you will also need to make sure that you are getting the right coverage for the right price. There are many things that can affect your price including where your home is located, the current housing market, risk factors, and the deductible. If you keep these things in mind while shopping around you can find a policy that provides the coverage you need at a price you can afford.

One last thing to consider when getting your home owner insurance online quote is understanding that each state has certain rules and regulations that the insurance companies must adhere to. This means that price quotes may differ from state to state depending on the local situation. The insurance companies will take this into consideration to make sure that the quote you receive is custom tailored to your current situation.