The PDQ™ Factor
by: Cindy Morus

It’s the beginning of a brand new year: a time to set goals, make plans, and start afresh; a time to dream of making more money, having a more beautiful body, and experiencing more love. I can’t help you with your body or your love life but I can show you some tools for making more money this year.
Have you ever heard of the PDQ Factor ™? Probably not, but you probably have heard of the acronym PDQ, which means “pretty darn quick” and that can be expensive: think fast food, fast cars, and fast women. This PDQ, The PDQ Factor™ will save you money. In fact, it can even make you wealthy over time.
To illustrate…take an empty glass and set it under the water faucet. Now turn the faucet to a single drip, or a slow trickle if you’re really impatient, and watch the glass fill up. It takes a while but it does get full. If you were thirsty, it wouldn’t have been nearly as fast as turning the faucet to full force but it was just as effective. The PDQ Factor ™ is the slow trickle equivalent in the world of money. It stands for Pennies, Dimes and Quarters. Nickels count too, they just messed up the snappy title so we left them out; but don’t you leave them out of your investment toolbox.
Here’s an easy plan to make an extra $1000 this year. It won’t take much time or energy—really none at all. By investing just $2.74 a day—the cost of a designer coffee drink; a bad drive-thru meal; or 8 quarters, 5 dimes, 4 nickels, and 4 pennies, in just 365 days you will have an additional $1000 in the bank. Did you know that accumulating wealth is this effortless? Make a plan, stick to it and watch success sneak up on you in teen-tiny increments.
With no pain and all gain you’ve just set a financial goal; a goal that can be effortlessly reached by making a very minor tweak or two in how you live your daily life.
Break down your goal and see how many PDQ's it takes! And don't forget to start today!
Check out the following websites to save even more pennies:
• www.getpennytalk.com
• www.bankrate.com/brm/calc/minpayments.asp
• www.refundlebundle.com
And recycle your cans and bottles to capture those nickels.
Happy and prosperous New Year!
Copyright 2004 Cindy Morus
About The Author
Cindy found herself facing divorce partly caused by “marital money” problems. Now she teaches families how to achieve financial well-being and peace of mind. She can be reached at cmorus@phelps-creek.com or www.phelps-creek.com.

Control Your Fear Before It Controls You
by: Michael Lee

"Fear Factor" is one of my favorite TV shows. It highlights the courage of the participants to engage in the most fearsome and disgusting acts.
Most of the contestants are willing to sacrifice their dignity for the sake of the prize money. So what does that imply? It implies that with the proper mindset, determination, and will power, you can conquer your fear.
Everyone has some sort of fear. It may be brought about by any one or more of the following reasons.
by a traumatic past incident (like being bitten by a dog)
by the influence of other people
by their own negative way of thinking
But are you going to let fear take over your life? Will you remain a hostage of your fear forever?
You must take the necessary steps to overcome your fright. It's all in the mind.
Do you envy other people when you see them enjoying wild rides, and you're just stuck in a corner because you're too terrified to give it a try? My suggestion is to face your fear head-on. Imagine yourself enjoying the experience instead of exaggerating the things that make you worry. (Unless of course you have health problems, then taking wild rides may not be a good idea).
Do you want to be a doctor but you're afraid that your intellect can't handle the pressure or you're worried about financial insecurity?
Well here's the good news. If you're really determined to achieve your deepest desires, a powerful force will enable you to reach them amidst every obstacle that comes in the way. I'm not kidding.
Someone or something will always be there to help you attain your goals. Just have faith in your abilities. Your will power have the utmost capacity to accomplish anything with the proper mindset.
You could use visualization to help you in defeating any kind of fear.
Are you afraid of heights? Then imagine yourself being on top of a mountain, overseeing the magnificent sights. Enjoy and feel the moment. Take away all worries and anxieties.
Then just do it! Face it head on! Go to the top of a building and savor the great feeling of being able to face your fear.
This applies to whatever thing that triggers your fear factor. Just imagine being able to defeat it, then confront it with the definite belief that you have the capacity to do everything you want if you just put your mind to it.
Face the thing you fear the most and you'll never have to fear anything again in your life.
About The Author
Michael Lee is a Certified Public Accountant. He has written a FR33 report entitled "7 Extremely Powerful Steps To Get What You Want." Experience phenomenal life-changing results now!
Send a blank e-mail. mailto:powersteps@freeautobot.com
teenslee@edsamail.com.ph