Pathway To Success, Published since 2000
Volume 9, Issue No 4, 22nd February 2009
Publisher Irena Whitfield
http://www.thecassiopeia.com/
iwhitfield@...
Subscriber Count: 138,500+


Success is never final and Failure never fatal.
It's courage that counts.
George F. Tilton


With 'Pathway To Success' you are receiving only top information,
reliable and proven resources, never anything just to make
a couple of dollars at your expense. However, to make full use
of the resources, get fast ahead of your competition and have
your business and profits grow, you should read, apply and follow
the information you receive.

Don't forget to collect your Bonuses incl Insider Tips 6 at:
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Reminders:
* 1st February 2009: Subscriber Corner:
Subscriber Article: Are You Making One of These 7 HTML
Resource Box Slip-Ups by Steve Shaw
Guest Article: Nine Steps to FAST Success
by Dr Jill Ammon-Wexler
http://www.thecassiopeia.com/SubscriberCorner/

- You can also read Pathway on Pathway Blog below:
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- New Additions: theCassiopeia.com recommends top Internet
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- Listen to Online Radio Regularly:
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Editorial:

Wonderful publishing Sunday, my precious Readers!

The other day I received an email from my long-term partner
Evie Brown with an invitation to a special advertising
opportunity. Nothing new, I thought at first: advertising
using screensavers, which is known as completely useless all
over the Internet. Who would br watching a screensaver while
he's away from his computer...

But I joined, just to see and test it.. and can say that this
is a traffic tool that is truly unique. So, I have been trying
out Screen Swarm, this new traffic system by Garland Coulson,
the creator of the incredibly successful Free Traffic Bar and
Internet One systems.

Screen Swarm is a screen saver traffic exchange that lets me
generate traffic whenever my screensaver runs while I am away
from my computer.
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In addition to my own screensaver, I also get traffic from
1,000s of other computers when I invite others. Just 3 invites
could bring me millions of screen views every month!

It was very simple to get working and I had my traffic building
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It is totally free to try and Garland always gives great help
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Enjoy today's issue, article and tips, have a profitable
fortnight and stay tuned... Pathway will be back in 14 days.


Sincerely,

Irena Whitfield
Your Publisher

P.S.: You can find answers to the basic questions related
to Pathway, incl organizational items, article and ad
guidelines and submissions, communication with me,...:
http://www.thecassiopeia.com/WebLions/Pathway/QAndA.html

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***************************
Publishing dates
'Pathway To Success' is published every other Sunday.
Next Issue is supposed on 8th March 2009.

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Contents

1. Today's Feature Article by Irena Whitfield
2. Today's Tip On the Opportunity worth checking
3. Today's Tip On Tool worth using
4. Today's Promotional Tip


Today's Feature Article

3 Simple Ways To Manage Your Money
Irena Whitfield

There are many ways and tips on effective ways to manage
money in general. Technically, all these tips talk about one
thing: being able to have money when needed and where needed.

Personal budgeting must surely be considered among the most
critical and necessary life skills. The knowledge of budgeting
basics is vital for your financial success. It is important
to always track your earnings as well as your expenditure,
whether you are doing financially well at the moment or whether
you are struggling with your finances. Not knowing where
your money goes is definitely killer No 1 for your financial
balance, wealth and prosperity.


1. Looking Into the Future

One of the most important and progressive value that helps
a person to come up with effective ways to manage money is
to have a sense of foresight or as I call it 'financial
intuition'. This foresight enables a person to know what is
going to happen in the future and prepare beforehand when
there is no time pressure. Financial intuition helps a person
to properly co-ordinate the timeline and the budget allocation,
ie funding, investements and costs. Realistic consideration
of all expenditures, ie fees, costs and payments must be
properly identified and included in the plan.

To effectively prepare for a rainy season one must possess a
flexible mind, be able to cope with unexpected events and
accept a calculated risk.


2. Invest, Invest, Invest!

Another method to effectively manage money is to invest
in progressive and productive endeavors which could be other
sources of income. Instead of just allowing the savings to rest
in a bank and earn a small amount of interest per year, it
would be wise to allocate some of the money and other resources
into a business. Of course, it may prove unproductive and
detrimental, but the allowance of such resources to different
paths of productivity would widen the scope in which a person
could determine and discover the best way to manage and have
more money to alleviate the status in society.

Investing does not only mean having to go into a business
venture but also being able to become a stockholder, no
matter how small in an existing business. Being a stockholder
and becoming a part owner of a running business puts a person
into a profit-oriented state by having a percentage of the
earnings that the said business generates.

Nevertheless, the risk of losing the capital used for this
investment is always there and it is necessary to be able
to make qualified decisions and calculate the risks before
you invest any amount of money and never invest your last
money.


3. The 3:3:4 Strategy

This strategy is based on the condition that all the other
expenses and monthly bills have already been paid and the
amount left is the extra money. Most probably many people
would not be lucky enough to have this, or if possible they
are just left with a tiny amount. Still, no matter how small
the amount is, it is a good start.

The 3:3:4 strategy means that

* 30% of the floating money is to be saved in the bank,
* 30% is then used to allocate for the investments of choice,

and the remaining

* 40% is allocated to the leisure and luxury of the household.

The last portion is important to provide a sense of reward
for the earner to clear the mind of burden and discouragement.

The above aspects when combined together are often simple
and effective ways to manage money reasonably, budget the
incomes well, handle expenses effectively and have all your
finance under control which leads to prosperity and wealth.

Proper budgeting is in fact the only way to avoid debt and
situation in which you have to earn money only to pay off
a previous debt.

********************************
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********************************
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*************************
You will succeed best when you put the restless, anxious
side of affairs out of mind, and allow the restful side
to live in your thoughts.
Margaret Stowe

*************************
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