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Do we have any choice when trading?
Do we have any choice when trading?

I preserve that DNA and social environment have little or no influence on the sorts of people we become and the choices that we make when trading. We are almost autonomous individuals when learning to trade. In addition, we make our own decisions in trading and therefore we alone are responsible for all the good and bad that we do when learning through our ignorance.

After all, without freewill, we are little more than robots and cannot be independent traders at all. It is a commonplace in trading that “oughta implies can.” You can’t even begin to talk about trading, unless you assume that have freedom to choose from whom to learn, receive support and receive genuine trade alerts.

It just isn’t sensible to call cats “wicked” when they kill mice. However, we do think that Adolf Hitler and Charles Manson were rightly punished for their wicked behavior. Nevertheless, “commonsense’ views like these can be naïve or prejudiced. A poor learning curve can often have a strong negative influence on forming someone’s trading, experience, confidence and general belief.

So who’s to blame? Even if DNA has little or no influence on our trade education, perhaps we are still products of our societal and cultural environment. At birth, we are blank sheets of paper that are gradually written on by parents, teachers, the media and all sorts of other ideological forces. The influence of society on our learning is infinitely stronger than any genetic inheritance, and almost totally responsible for everything that makes new or experienced traders better.

This means in my view that it is nonsense to talk about some absurd blame game on human nature. This view I hold dearly. I can leave you with a thought “If a person is bad or good, then society is to blame, right?

What Business Owners Can Do to Plan Their Financial Outlook for 2014?

What Business Owners Can Do to Plan Their Financial Outlook for 2014?
By Kris Miller
What Business Owners Can Do to Plan Their Financial Outlook for 2014?
By Kris Miller

Many small business owners lament that the past few years have been difficult financially. Yes, the recession hit hard and the recovery is going slowly. However, with the proper planning, any business can thrive no matter what the economic landscape.
Unfortunately, many small business owners are so busy putting out daily fires and just trying to stay afloat that they never take the time to plan. That’s a mistake! So if you’re ready to make 2014 your best year yet, here are the key financial planning items to focus on for both the short- and long-term.
• Reduce your debt.
If you’re like many small business owners, you may have financed your business on a credit card or through other personal loans. Now that debt is hanging over you like a dark cloud. Even worse, you’re likely putting any profits you make back into your business rather than putting more money toward paying off your debt.
If your debt load is large and dragging you down paying it off can seem like a daunting task. The key is to stop trying to pay every creditor off at once. Rather, pick one creditor, preferably the one you owe the least to, and focus on paying that one off first. Pay the minimum on all your other debt, but put as much as you can each month toward this one bill. Then, when you pay that debt off, take the money you were allocating to the creditor and apply it, along with the minimum you were already paying, to your next lowest debt. Focus on paying just that one off. Then repeat the process with your next lowest creditor. Keep going until all your debts are paid.
As you cross each paid creditor off your list this next year, you’ll feel your financial dark cloud start to break.
• Create a budget for your business.
You likely have a budget for your personal life. You know how much you have to pay yourself to cover your mortgage or rent, your groceries, and other essentials. But chances are that you don’t have a detailed budget for your business. Now is the time to make one.
Just as you do in your personal budget, start by making a list of all the business expenses you pay out every month. Be sure to include your salary in the equation. If you’re in the habit of paying yourself sporadically or a varied amount each month based on what’s left over, pick a steady, realistic income figure for yourself and calculate that in. Then add in the expenses that are possible but not customary, such as repair costs for equipment, additional staff, new software or services, etc. When you have a firm grasp on where all your business money is going each month, you can create strong financial goals for your company (see next point).
• Set financial goals.
Of course you want your business to do better this year than it did last year. But do you have clear monthly and yearly goals mapped out? Most small business owners don’t.
Now that you know how much you need to earn each month to cover your business expenses, take a look at what your business brought in over the past few years. Look for any trends, such as a 10% increase each year, stagnate sales year to year, or even a progressive decline. After you have a clear assessment of what your business did historically, create financial goals for the coming year.
But don’t just state any goal because it sounds good or would be nice to achieve. Make sure you’re setting S.M.A.R.T. goals—that is, goals that are Specific, Measurable, Attainable, Relevant, and Time-Bound. Here’s what each word really means:
o Specific: A specific goal has a much greater chance of being accomplished than a general goal. Goals must be clear and unambiguous. When goals are specific, they state exactly what is expected. For example, stating “We will do $1 million in sales” is specific. Saying “We will do better than last year” is not.
o Measurable: Establish concrete criteria for measuring progress toward the attainment of each goal you set. If your goals are not measurable, you never know whether you’re making progress toward their successful completion. Having monthly financial goals helps you measure whether you’re on track for your yearly goal.
o Attainable: Goals must be realistic and attainable. The best goals require you to stretch a bit to achieve them, but they aren’t extreme. That is, the goals are neither out of reach nor below standard performance. Goals that are set too high or too low become meaningless and will be ignored.
o Relevant: To be relevant, a goal must represent an objective toward which you are both willing and able to work. A goal can be both high and relevant; you are the only one who can decide just how high your goal should be. Realize that a high goal is frequently easier to reach than a low one because a low goal exerts low motivational force.
o Time-Bound: A goal must have a target date. “Someday” won’t work. But if you anchor it within a timeframe, “by December 31, 2014,” then you’ve set your unconscious mind into motion to begin working on the goal. A deadline too far in the future is too easily put off. A goal that’s set too close is not only unrealistic, it’s discouraging. That’s why you need both monthly (immediate) and yearly (future-oriented) financial goals to strive for.
Your Best Year Yet
No matter how many ups and downs your business has had over the years, you can make a giant financial leap this next year … if you follow the suggestions outlined. The more priority and urgency you place on your business’s financial outlook, the more success you’ll have this coming year and for decades to come.
Kris Miller, Estate Planning Expert and Safe Money Strategist, will guide you on how you can successfully prepare your retirement plan. For more information on how Kris can help you, call (951) 926-4158 or email and see her #1 Best Selling book at

Begin Planning Now: The 4 Strategies towards a Brighter Financial Future

Planning for the future is something many people are not really keen about. For many people, procrastination is their habit always saying that they will start saving and planning tomorrow. The most unfortunate part is that the tomorrow comes and passes. Years and even decades pass without realization. The result is that retirement and even emergencies come and people are not prepared for these eventualities.
Situations such a young age and tough economic times blur the need to prepare for the future. In such times, people are bound to live in the present and in the struggle to make ends meet. The last thing in their minds is the tomorrow which will seemingly never come.
Emergencies and other needs that call for some planning are usually around the corner. Irrespective of being healthy or unwell; old or young, decent salary or no salary, you should start planning for the future right now.
Here are suggestions to use when planning for the future:
Acknowledge uncertainties
Unexpected things are bound to happen. People prefer not to dwell on such thoughts which are considered unhappy and not peaceful. Even though it is not healthy to dwell on the negatives, the acknowledgment that health issues, injuries and other setbacks may happen goes a long way in planning for the future.
Injuries happen every day and it is only advisable that you should have a plan that covers long term disability. Remember that one in seven people in long term healthcare facilities are below 65 years. Furthermore, findings from the Centers for Medicare and Medicaid Services that indicate a 22 percent rise in the number of under-65 nursing home residents over the past eight years.
Invest your money wisely
Very few people have invested their money wisely. This is as a result of the lack of training or classes on long term investments. People simply leave college to their careers and then find a financial planner to take care of their financial lives.
The majority of people will end up putting their money at risk. These people may end up losing the principal owing to the fact that the investments may be wholly in the stock market and in variable annuities. Find other investment options which have a lesser risk and better returns.
Keep Your Documents in Order
The Power of Attorney for financial and Power of Attorney for healthcare are two legal; documents that you should have irrespective of age and financial status. These are important and ensure that you have a competent and trustworthy person to make your decisions if you are incapacitated.
Other documents include a guardianship for young children, and long term care insurance to act as a hedge to your assets which are not spent up paying for the expenses. Long term care insurance also helps to maintain your quality of life and you can live at home with in-home care and not have to go to a nursing home.
Develop a Saving culture
The ideal time to start saving is as early as in the 20s and 30s. However, this is not the case in the absence of a saving culture and as economic times become tough. It is emphasized that saving anything as little as a dollar puts an individual on the right path.
The earlier the saving habit is developed, the better the outcome. With the habit of saving a percentage of your income no matter the circumstances, savings definitely grow as income continues to increase. It is certainly about time to start building financial reserves.
Don’t Start Tomorrow – Begin Planning Today
Make sure that you are not caught off guard. Map out and plan for your financial future beginning today to ensure you and the family are well taken care of.
Kris Miller, Estate Planning Expert and Safe Money Strategist, will guide you on how you can successfully prepare your retirement plan. For more information on how Kris can help you, call (951) 926-4158 or email and see her #1 Best Selling book at

WTIN PSA for Existing Businesses

Search for properties, here are some links!!!

This is how you need to start! (foreclosure database) (foreclosure database)
Local county courthouse
*Lis pendens/ Notice of Default _ pre-foreclosure
*Past Foreclosure sales-those properties that did not sell will have gone to the bank. Confirm current ownership
after pulling addresses to see if bank still owns (REO)
* MLS – expired listings, withdrawn listings

How Can I Improve My Credit Score?

A good credit score is important in order to obtain credit and qualify for the best possible terms. Even if you have had difficulties in the past with Credit and or CASH, there is something you can do to improve your credit score NOW!
Here are some Public Private, and Nonprofit internet Resources!
Consumer Action
Credit card information
U.S. Financial Literacy and Education Commission
Credit counseling services
Credit score information
National Consumers League
Federal Consumer information Center
Federal Deposit Insurance Corporation
National Consumers League
Opt out pre-screened credit card applications
To be taken off telemarketing list
Loan and credit card information
Federal trade Commission
Identity fraud information

The Fair and Accurate Credit Transactions (FACT)Act entitles all consumers to a FREE credit report every 12 months from
ALL three major credit reporting agencies. You can order a FREE copy of your credit report by:
calling 8777-322-8228
going online to
Mailing a standardized from to:
Annual Credit Report Request Service
P.O. Box# 05281, Atlanta, GA 30348-5281

Experian P.O. Box #2002 Allen, TX 75013 888-397-3742
Equifax P.O. Box #740241 Atlanta, GA 30374 800-685-1111
Transunion P.O. Box #1000 Chester, PA 19022 800-888-4213


By Lambros Klouvidakis

Traders must be conscious to trade. If they went into a full deep sleep, they would unconsciously suffocate. In addition, they must be constantly alert to avoid financial danger. Yet almost every trader needs to sleep. I have solved this problem in a unique way.
The human brain has two hemispheres; however, our conscious level which represents 10% of the mind function and subconscious level at 90% act co- dependently. For eight hours, both are awake; for the next eight hours, only the conscious sleeps because trading is finished; and for the next two hours, my unconscious mind travels through enormous information-processing powers by exercise.
This way my body, mind remains physically active but move as little as necessary. When I’m sleeping, circumstances and individual preferences fix how I continue to relax. When I breathe, in an open position I exchange about 20% of the air in my lungs, where the average person exchanges about 17% of the air in their lungs.
I have developed many unique skills to aid living in my bouncy environment. When training people I have discovered they can understand actions much better visually and how these actions work together. Being the trainer, I might put various scenarios on a chart and ask the student to pick a specific pattern for instance, which the student will do. However, if I say “A, B, C and a crossover” the student will search for A, next approve B, then allow for C, and finally confirm a crossover.
When trading being novice or not, it’s like a lion hunting for prey. A small group encircles by far the prey, and then waits for a distraction; next, they target the weak animal. Then it’s all timing, which is the crossover or in this case the chase and in seconds, it’s all over.
A combination of experience, hawk eyes, deep research, high analytics and an affinity for answers has morphed me as to what I’m today.

By Dan Caramanico

This is always a touchy subject and there is always pushback when I suggest what you should do. In this article I will give you the answer right away; I will explain why you should do it; then I will explain why you will feel resistance to doing it.
You should discuss money with some level of specificity early in the sales cycle and almost without exception on the first call. This is obviously true in a one call close situation, but it is just as true for long cycle complex sales as well. I had a client last week who was finally converted to amending his sales process to talking money on the first call. He had a two call situation and he did not discuss money at the first meeting. He had a prospect with a seemingly compelling reason to move forward and he was excited to set a second meeting with him to explain the service he was selling, go over the price, and close the deal. It seemed like a sure sale. You probably guessed by now that when he got to the second meeting went through the presentation and got to the close, the prospect had no money at all. He was just starting out as a realtor and had gone through all of his start up capital and was living hand to mouth hoping for his next client to come along and keep him in the business for another month or two. Watch the video that goes with this article for a similar example in a long cycle high dollar deal. Prospects have problems and they like looking at new exciting ways to solve them. It is for that very reason that you must talk about money to make sure they are qualified for you to spend your precious time and corporate resources on. If you don’t, your pipeline will be bloated with unqualified prospects and your forecasts will be extremely unreliable and your closing rate will be low.
If you are feeling resistance to doing it, it might be because you are one of the 65% of salespeople who have a money weakness meaning that they are uncomfortable talking about money. It might also be that since discussing money early seems a little aggressive you are afraid of upsetting the prospect. If that is true then you are one of the 42% of salespeople who have too much need for approval. Need for approval means you are more worried about whether the prospect likes you than whether or not they do business with you. These are two of the five hidden obstacles to sales success. If you are feeling any pushback at all buy my book Attributes of The Optimal Salesperson® How to master the mindset of Sales Superstars and Overachievers wherein I discuss these weaknesses in more depth and tell you how to overcome them.

To get more sales tips click here to sign up for the free OPTMAL SELLING™ weekly video sales tip.

Dan Caramanico is a salesforce development expert and he is the author of Attributes of The Optimal Salesperson® One of Selling power’s top ten books for 2010 and Optimal Selling, Sales Conversations of the Optimal Salesperson.

Attach the link below to the word “here” above.

Here is a link to a related video

“Winning” a Lottery or Sweepstakes”

The lure of a sweepstakes prize is powerful. If you’re contacted by someone claiming to be a government official asking you to pay money to collect your “winnings,” remember:

Don’t pay for a prize. Legitimate sweepstakes don’t require you to pay insurance, taxes, or shipping charges to collect your prize. And companies, including Lloyd’s of London, don’t insure delivery of sweepstakes winnings.
Did you enter a sweepstakes or lottery? You can’t win a prize in a sweepstakes you didn’t enter. And keep in mind, it’s illegal to play a foreign lottery.
Con artists use official-sounding names to make you trust them. It’s illegal for any promoter to lie about an affiliation with — or an endorsement by — a government agency or any other well-known organization. No matter how convincing their story — or their stationary — they’re lying. No legitimate government official will ask you to send money to collect a prize.
Don’t wire money. Scammers often pressure people into wiring money. That’s because wiring money is like sending cash: once it’s gone, you can’t trace it or get it back. Never deposit a “winnings” check and wire money back. The check will turn out to be a fake and you will owe the bank any money you withdrew. Resist any requests to tell your account information, or to send a check or money order by overnight delivery or courier. Con artists recommend these services so they can get your money before you realize you’ve been cheated.
Put your number on the National Do Not Call Registry. If you want to reduce the number of legitimate telemarketing calls you get, register your phone number at Generally, scammers don’t respect the Registry — or pay to scrub their lists against it.

Blvd Mortgage Choose your Dream Home Child Version


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Don’t make another car, house, medical, or credit card payment until you read this newsletter.

I know the financial relief you seek is close because my good friend and debt-elimination specialist John Cummuta has already helped thousands of good people like you go through the transformational process he created. And many of them were probably in worse shape than you.

This is not a debt-consolidation offer. It’s a DEBT-ELIMINATION process. And because you’re a Nightingale-Conant customer, it’s yours today for 75% off the regular retail price. YES, 75% OFF!

Get started with John Cummuta’s system today, and you can retire a debt-free millionaire -on any income and in any economy!

The Transforming Debt into Wealth® System is Nightingale-Conant’s all-time bestselling program. This is your invitation to join the more than one million people worldwide who have learned John’s secrets to a debt-free and prosperous life.

Did you know, with a typical $200,000 30-year mortgage, you’ll pay more than $400,000 in interest by the time you’ve paid off that loan according to the bank’s schedule? That’s nearly half a million dollars you’ll pay in interest, and the bank gets it all!

Shouldn’t that be money you are putting into your own pocket and not theirs?
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Stop putting your hard-earned money into the pockets of your creditors, and put it back into your own pocket, where it belongs.

Kauffman FastTrac West Texas Innovation Michael Mikeworth

Lancaster Hall of Fame! Our Editor, Alan Copeland, was inducted into the Lancaster High School Hall of Fame on June 22nd.


Hello and Welcome to More Money Info Online Magazine!


DSC_0944Welcome to We are here to provide you with information and skills needed to help you receive more of your money. Our editors and writers want you to gain knowledge of your finances from this online magazine We provide you authors from all over the world here to help you and to inform you of growing techniques and information to help people become financially successful in all aspects of their lives.



You and your money grow together. Jody Holland

jody_hollandYour financial situation only improves at the same rate that you grow.  If you don’t grow, your money won’t either.  When I first went into business, I was challenged to grow constantly for the rest of my time as an entrepreneur.  I was challenged to learn from people who had already done what I was wanting to do.  This challenge was one of the best pieces of advice that I ever received.  I needed to grow in order to be more than I was at that moment.

DSC00248That really is simple wisdom… simple and life changing.  You and I both have a lid on our possible success right now.  If I want my lid to be elevated before I hit it, I have to learn something new.  There are millions of people in this country that hope to have a better life some day.  They hope that things will get better.  They talk about what it will be like when things get better.  Some of them even demand that somebody do something about it.  In your life, that somebody is you.  One of my favorite sayings is, “Talk is cheap!”  Hope is not a strategy and talk will not change your world.  Action, backed by learning and positive belief, that is what changes your world.

So, if your goal is to make things better in your life, stop sitting around hoping that things will change.  Stop talking about going to a seminar or reading a book and take action.  Read, learn, grow, and become what you are capable of being!

To Your Success!

Jody Holland

Click here to gain access to even more articles!


1 comment for “FREE GOLD Savings Account Yes Affiliate Join FREE

  1. August 23, 2013 at 5:41 pm

    Baby Boomer’s Savings are not Enough for Retirement is a good article, but who wants to work until 70? I want to enjoy the latter years. Article does prompt to learn to save more. Thanks.

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