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Many business people don’t know that equipment leases can be negotiated. They do a quick read-through of the contract, see that the monthly payments are what was represented, and sign where indicated. Not carefully reviewing each paragraph of the agreement can be costly. Long, drawn-out contracts are often developed by leasing companies to gain added revenues and advantages for themselves. Consequently, in this situation, it is to the detriment of the lessee.

This article discloses some of the terms and conditions that are contained in lease contracts, but can often be negotiated. A properly trained lease broker can be invaluable in helping the lessee discern the points of contention and negotiate a fair and equitable agreement.

1. Credit or commitment fees: Some leasing companies will charge you a fee simply to process the credit application. Others may charge a fee to keep the credit commitment open after the application has been approved. These are ridiculous fees that I would advise never paying.

2. End of term option: This is a critical point in the contract. Beware of language that allows you to buy the equipment at a “mutually acceptable price” as opposed to fair market value. When a lessor states they will sell you the equipment at a mutually acceptable price, they can back you into a corner by charging just about what they want. Fair market value and $1 buyout leases are legally defined and more quantifiable.

3. The never-ending lease: Some leasing companies try to lock you into a leasing situation forever and the only way to escape is to pay an inordinate fee. Beware of a lease that gives you three options at the end of the term: a. Buy the equipment at a “mutually agreeable price”. b. Extend the contract at a mutually agreeable price, or c. Return the equipment to the lessor and strike a new deal at a mutually agreeable price. These are all poor options for you, the lessee and only serve to benefit the profit of the leasing company.

4. Equipment pass title fees: These are fees that some lessors charge when the lessee chooses to buy the equipment at the end of the lease term and obtain clear title. These fees can be as high as $250 or more.

5. “Put” at end of lease: Make sure that you have an option to buy the equipment at the end of the lease and not a put. A put may result in lower monthly payments, but requires you to buy the equipment, as opposed to an option, which gives you a choice.

6. Delayed payment to vendor: Some leasing firms delay payment to the vendor for the purpose of increasing their yield. This is unethical, creates a hardship for the vendor, and makes your company appear in a bad light.

7. Up-front broker fees:Some lease brokers charge an up-front fee at the onset of the relationship. I have never charged such a fee because my compensation is based upon a successful completion of the transaction and is a percentage of the amount funded.

These are some of the items to look for when reviewing an equipment lease. Keep in mind that competition among leasing companies is intense and they do not want to lose your business. Do not be shy about asking that these fees be taken out of the agreement.

Kent Harlan has been a CPA since 1984 and has provided consulting, accounting and financial services to several industries. He is the owner of Ozarks Capital Funding, LLC, a Springfield, MO based company offering business and heatlhcare financing.

Does your company need to finance new equipment or refinance your existing inventory of equipment? click here to apply.

EMAIL: kenth@ocflink.com
WEB: http://www.ocflink.com
PHONE: 417.849.7394

Currency trading has gained much popularity in recent years. Once thought to be the playground of the rich investor, it has become apparent lately that the currency trading market is accessible by investors of all levels.

Forex has now become an often-used term as opposed to just a few years ago when most people had never heard it. Now, the advantages of Forex trading are readily appreciated as more and more investors devote the major portion of their investing activity to the Forex market. The trading of currency involves simultaneous purchasing of one currency and selling of another.

It is the world’s largest market, with trades every day totaling over three trillion dollars, a staggering amount. It’s no wonder then that investors have flocked to it given the enormous amount of money changing hands and the opportunities presented by that volume.

One of the best things about this arena is that one can practice at will and play games online to improve skills and knowledge. Pretend, or phantom trading is referred to as ‘the game’ in the Forex field. This, of course, allows you to risk no funds while you thoroughly learn techniques through constructive practice.

To locate sites that supply practice training simply do a Google search for ‘Forex Trading’ and many sites will be presented. By the way, the term ‘Forex’ is derived from the formal name of the trading type, Foreign Exchange. The trading practice is also sometimes referred to as just ‘FX’.

For a complete overview of the Forex market, visit my web site through the link in my resource box below.

A major difference in this market, as opposed to the stock market, is that trading is not accomplished through a central point, such as the New York Stock Exchange. Trading in the Forex market is done on a direct basis, that is, between the two parties who are making the trade. Another major difference is that trading takes place twenty-four hours a day, through trading centers all over the world. The market trades continuously from Sunday night at 20:00 GMT to Friday night at 22:00 GMT. That gives investors a chance to make trades based on financial developments in the news without having to wait for a market to open the next day.

Many times, trades are done without commissions coming into play, a distinct advantage over the stock market. Still another advantage is the liquidity of the market, which translates into a constant supply of sellers and buyers, so there’s always a trade in the making around the clock. The market is constantly in flux and presents trade opportunities no matter whether a particular currency is moving up or down. The Forex market also offers the investor great leverage. An investor can control a position that is as much as one hundred to one more than his margin deposit.

Currency trading is a fascinating field and one that should be looked into if you are searching for an opportunity to invest and a chance to seriously increase your net worth. Check it out carefully and do practice investing before you make the plunge. And, of course, never risk money you can’t afford to lose. Visit my site listed below for much more information.

Good luck.

About the author:

Jim Nettleton is a radio and TV professional with wide-ranging interests. Visit his thorough Forex site for information in depth and real time quotes on currency pairs.

http://www.jaynetinc.com/ForexMaster

Merchant cash advances help business owner’s open doors for better types of funding opportunities. The business cash advance industry is climbing at a continuous rate. This ever increasing growth is because traditional bank loans are not meeting the demands of small business owners.

Business cash advances are a unique funding method. It’s a purchase of future credit card sales, not a loan, so we have to use specific language consistent with purchase of future credit card sales, like payback rate and discount rate instead of commonly used interest rate on bank loans. Merchant cash advances are a lot like factoring but are based on a sale that hasn’t happened just yet.

A business cash advance lender gives business owners a sum of cash advance up front. In exchange, the business owner agrees to pay back the principal amount plus the fee, by giving the lender a daily percentage of their visa and master card sales until the payback is completed.

The daily payback percentage won’t be higher than 10% of daily gross sales, the daily percentage is based on the monthly credit cards sales volume and the amount of cash advance required. The payback time-frame is structured for a 6-9 months term, but it’s not fixed, and there won’t be any penalties if it takes longer.

Business owners usually must switch the credit card processor because the advance is paid back automatically as a percentage of each batch’s proceeds, but the rates will be the same if not better. Just a small number of merchant cash advance lenders don’t require the merchant to change their credit card processors company. Most time this won’t be a problem at all since the rates will be matched.

Business cash advances differ a lot from the traditional bank funding programs. In essence a merchant cash advance lender purchases a small percentage of future Master Card and Visa sales, and the business owner pays back this as a daily percentage of such sales.

Obtaining cash from the bank can be difficult for most business owners, but particularly retail businesses, restaurants, store franchisees or seasonal businesses. These merchants mostly use credit card processing, making a merchant cash advance program a great funding opportunity for them.

What are some of the benefits?

The money is available much faster than it is with a bank loan. Unsecured merchant cash advances are specially a great option for retail and restaurant merchants, not only because these types of businesses can hardly be funded by the traditional bank, but also because of the immediate liquidity and simple process.

Many merchant cash advance lenders advertise that the money will be available in as fast as 10 days, and unlike a bank loan that have a fixed interest rate, as the amount due and due date are fixed each month, no matter if your sales drop. Instead, with a merchant cash advance the payback comes from future credit card receivables, not straining your business cash flow.
Fast merchant cash advance programs are cash flow friendly, during seasonally slow periods specially.

Traditional bank loans require a fixed set of payments every month, whether the business has made a sale or not. But if you choose a merchant cash advance, payments are calculated as a percentage of credit card sales, and if the sales are growing, the re-payment could be quicker, but if the business owner experiences some interruption or sales drop in the business, the payments will drop with it.

Another great advantage of a merchant cash advance, is that the business owner won’t risk he’s personal assets, because there’s no collateral required.

David Castro often writes articles about Merchant Cash Advance and Small Business Loans for Merchant Resources International – To Learn more Visit Us at http://www.cashprior.com

There is no question that a residual income is the very definition of easy money. Residual income uses time leverage which means money can be made fast too. A residual income is exactly what you need to make money hand over fist. In this article we explore 3 ways to create a passive income stream.

* One way is utilizing time leverage.

If you can come up with a way to do say 20 minutes work that makes you $4 dollars a day in residual income, then you can do 500 hours of work over a few months to create an income of $4000 dollars a day.

* People leverage

If you devised a way to make a few bucks a day in residual income and instead of making $4000 dollars a day, you make $40,000 dollars a day, you can actually use people leverage to achieve this. With such an income you could easily afford to pay well above minimum wage to get quality staff and you can train them to do the work you were doing, this amplifies your results dramatically and quickly.

* Using money leverage

If you created an income stream like the example above and it lasted for a few years, you could put together $1 million dollars. A million dollars is an exceptional figure because it can be used to make usable returns. On 7% in a bank term deposit, you can earn an income of $1400 dollars a week for just depositing the money in a bank. Therefore, the leverage a million dollars gives you can be applied to lifestyle.

If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read about Martin Thomas in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I literally could not wipe the smile off my face. You are about to discover something different.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program.

http://www.easycorporatemoney.com

Getting profit or loss depends on the person skill and market at that point of time. There are various ways of doing forex trading, either online or from a trading firm. Forex Training is been provided to users who would like to increase their knowledge in forex and become a successful trader. There are various ways to give forex training. Online training and class training are two types of training. In online training there are different categories; either a person can do a self-study or learning it from lead-instructor. A person can take a mini course which in general will be for 5 days or can take up a training session which may last for maximum of 1month which covers all the basics and teaching about risk management.

Forex Training is given by professional who have in-depth knowledge in forex trading. There are two major points covered in understanding the forex market. They are Technical Analysis and Fundamental Analysis. Technical Analysis focuses only on price and not on the fundamental factors that is whether the particular stock is in good value. It doesn’t matter whether the company is having a strong back ground. Best Forex Training can be got when a person goes through a live demo. There are community, forum, Chat rooms from where a person can get the best forex training; these are places where a person can do a self-study, post questions and reply. They will have contact with other people who are into forex trading.

Generally forex training is given to a group of not more than 10 people. There will be 6 on-line sessions after which each person has to take up a exam. These people will get a approx 30-day forex demo trading account which means the account will expire after 30 days and in 30 days they can do anything in that account (that buy and sell). Charts are been displayed in order to check the status of the stock or share or the market. Best Forex Training can be provided with a detailed chart expression and by providing online videos.

Click Here for a review of forex brotherhood, the best forex training available.

This is very sensitive area of your body. Too private. Nobody likes when something is wrong over there. However it happens.

Hemorrhoids occur practically in everyone. Though hemorrhoids cause problems in 1 out of 25 people. Mostly those are people between 45 and 65 years of age.

You find a blood on toilet tissue. Bright red blood. Ok, now what? You do not know why you bleed. It could be rectal cancer by the way. It could be hemorrhoids.

So? What are the hemorrhoids?

They look like cushions. They contain blood vessels, some muscle and elastic fibers. People often call them piles.

Not everything over there is a hemorrhoid. There could be other problems. Fissure, abscess, fistula, pruritus (itching), condylomata (sort of hanging skin caused by viral infection), viral and bacterial skin infections can happen in that, so sensitive area.

It is worth to talk to your doctor.

How would a scenario of hemorrhoids look?

A 46-year-old female presents with complaints on rectal discomfort, occasional bright red blood on toilet tissue and prolapsing tissue in of anal area. This is probably internal hemorrhoid.

Another scenario brings a patient who complains on severe rectal pain and prolapsed tissue.
The severe pain happens in external hemorrhoids. The pain follows thrombosis (thrombosis is the blood clot in your blood vessels).

There are four degrees of internal hemorrhoids.

It may be interesting for you to know because first, second and sometime third degree can be treated by banding only. Fourth degree and sometime third degree requires surgery.

Do not forget non-hemorrhoid causes of symptoms.
To check with your doctor is worthwhile because there could be other problems, including cancer or anal fissure. (By the way for anal fissure medical treatment alone may heal it in 90% of cases).

How are hemorrhoids treated?

Well first you need to understand how do hemorrhoids happen. Several reasons lead to hemorrhoids:

Constipation and extra straining

Chronic Diarrhea and loose stools

Long sitting or standing

Weight lifting

Obesity

Pregnancy and childbirth

Inherited tendency to hemorrhoids.

So, avoid all this and you are free.

Obviously this list of reasons is too wide.

The list of measures is wide too.

Increase the fiber in your diet.

Eat more cereals, fruits, vegetables, grains, etc

Psyllium and methylcellulose are supplemental types of fiber.

Exercise, avoid long standing or sitting, don’t strain, keep the anal area clean.

Increase liquids in your diet.

Use stool softeners, stool-bulking agents (not a tasty ones, but what can you do).

Treat diarrhea with anti-motility drugs and fiber.

Not every of these methods are proved scientifically. Nonetheless they are included in the standard recommendations for hemorrhoids treatment.

To treat itching or discomfort you may use suppositories, ointments, creams, and gels. You may find that all in your local pharmacy.

These products contain protectant and anesthetics (pain relievers). Local anesthetics numb the area and decrease burning and itching.

Remember that local anesthetics may cause allergy.

Analgesics (menthol, camphor) relieve pain and itching as well

Vasoconstrictors reduce swelling in the perianal area. Though they may have side effects. Better discuss with your doctor.

Protectants (kaolin, cocoa butter, lanolin, mineral oil, starch, zinc oxide or calamine, glycerin, etc) create a physical barrier to prevent contact of stool and the skin. This reduces irritation, itching, and burning.

Similarly, some agents – astringents – dry the skin. That helps to relieve burning, itching, and pain as well.

To kill or at least suppress bacteria and other organisms use antiseptics. Boric acid, phenol, resorcinol and many others can be used. Again better to discuss with your doctor or at least pharmacist. Many of these drugs are sold over-the-counter.

Corticosteroids. Corticosteroids decrease inflammation and relieve itching, but may cause skin damage. They should be used for few days only.

Sitz bath may also help in relieving the symptoms.

When those methods fail your doctor may perform one of the following:

Sclerotherapy (causes scarring of the hemorrhoid).

Rubber band ligation. The rubber band cut off blood supply and hemorrhoid heals with scarring.

Side effects of any of the treatment may be infection of fat and other tissues surrounding the anal canal, especially if patient has diabetes cancer, AIDS.

Another option – electrotherapy and infrared photocoagulation. Works the same way, cause scarring of the tissue.
Cryotherapy uses cold to cause inflammation and scarring. Practically the same, though more time consuming.

Let say your medical treatment fails. What do you do then?
Well, you go to surgeon and treat it surgically.

Operations are done in less than 10% of patients. Though it depends.

Surgical procedures include Dilation. It is when surgeon stretches your anal sphincter.

Ligation. Often a Doppler probe helps to measures blood flow and finds the individual artery.

The doctor ties off the artery.

Sphincterotomy. It is when sphincter is partially cut. Whole idea is to reduce the pressure.

Hemorrhoidectomy. Hemorrhoidectomy makes sense for patients with third- or fourth-degree hemorrhoids. The hemorrhoids are cut out.

Stapled hemorrhoidectomy. Stapler cuts off the ring of expanded hemorrhoidal tissue.

There are different considerations why to do this and not that type of treatment. And vice versa.

There are complications (pain, difficulty urinating, bleeding several days after surgery, scarring, infection, stool incontinence). Complications happen relatively rare, but they are still there.
Better talk to you surgeon.

I hope you be OK.

You were not alone.

It looks like Napoleon Bonaparte, Carter, Hemingway, Tennyson, Lewis Carroll also were suffering from hemorrhoids.

Aleksandr Kavokin, MD1994 Russia,PhD1997 Russia – Immunology and Allergy, postdoc at Cancer Center at Med U of South Carolina, postdoc at Yale – Cardiology, Molecular Medicine. http://www.geocities.com/hemorrhoids_disease/ http://www.kavokin.com http://www.kavokin.uni.cc http://www.geocities.com/aging_rejuvenation/ http://www.geocities.com/appendicitis_disease/ http://www.geocities.com/melanoma_disease/

It takes a lot of money to get a business up and running, and there are a lot of things that you can do to get the money that you need to start up your own business. Now, there are a few things that you need to know. First of all, business startup grants that the government offers are great This is a great way to get all the money you need to start your business. On the other hand, these kinds of grants are not easy to get. A lot of people feel you are better off getting loans and things that you have to pay back.

The only other question you may have about business startup grants is why they are so hard to get. That is because the government usually only gives federal grants to businesses that are going to be for a specific targeted group of people. Not only that, but a lot of times these grants are only given to people with specific requirements. Of course, if you are a nonprofit organization, you stand a good chance of getting grants as well. To fully understand grants, however, you have to understand the different kind of grants that you can get. Right now, we are going to talk about a few different ones.

First of all, there are the direct grants. This is given out like a cash award. Most of the time, there are certain activities that have to be done with this kind of grant money. Things like training, export development, or even a capital investment project are very popular. The only bad thing about the direct grant is that you are usually required to put up about 50% of all start up costs, meaning that you have to have some money to get started with this kind of grant. Other than that, these are great business startup grants.

A repayable grant is a great way to go as well. This is like a grant that has a safety net. Under this kind of grant, you are given a set amount of money to start a project with. Then as your revenue come in, you use a set amount of that to pay back the grant in full. The good news for the business owner is that if the business fails, then the grant is written off. This means that you no longer have to worry about paying it back. As you can guess, this is very good for you and bad for the government. That is why there are less of these given out than most grants.

If you still think that you are going to have problems paying off a repayable grant, then you may want to go with a soft loan. Despite the name, this is still a grant. However, the conditions on how you pay back the money are a lot more generous than the other kinds of loans, hence the name, soft loan. This is good for businesses that could have a hard time getting started.

As you can see, there are a lot of different grants out there, and this is just the tip of the iceberg. If you are looking to start up a business, a grant is the way to go. Just remember that they are not as easy to get as loans are.

Kelly Hunter owns and operates http://www.business-startup-grants.com and writes about Business Startup Grants

One of the most important yet grueling tasks which every business faces is preparing financial statements. With all the profits which came in, an increasing demand is sure to follow as well as increasing need to update current operations to fit into the growing demands. This is the primary reason why people often tax certified, licensed professionals when it comes to attending to financial planning. Among the most important part of such department are the bookkeeping services. This helps maintain the department well within the overall budget and helps note down discrepancies should they arise at any given time.

However, businesses need to be very strict in finding the right people to handle bookkeeping services. This particular task is crucial because it will handle all bank reconciliations, invoices, recording of expenditures, and payroll drafting. The bookkeeping services will become the financial bible of the company as it operates for another quarter or even on an annual basis. More than just finding the person who can do the job, the most important thing to keep in mind is to get the qualified person or people to handle the job.

When evaluating people for bookkeeping services, the first thing businesses should consider is the educational background and the training experience of these people. Educational background is necessary so that one can assess if the person is schooled with the basics as it pertains to accounting and bookkeeping. On the other hand, training is equally if not more important because this pertains to the actual work experience of the bookkeeping candidate. This would help gauge the actual expertise of the person in terms of doing the job itself.

Apart from hiring candidates, taxes firms catering to bookkeeping services is also an option. This can help cut down on the overall effort and expenses since the firm already has their own group of experts in the said field. tax mistakes is only needed to be done is to pay the firm per work output. But in choosing a bookkeeping firm, businesses should care to look at the firm’s portfolio to see how long it has rendered its services already and among which companies. Bookkeeping firms would usually provide potential clients with such portfolios and references to help them become convinced to avail the firm’s bookkeeping services.

Apart from expertise, it would also be wise to consider the actual personality of those who will render the bookkeeping services. After all, they would not just be there doing the job but they will also be doing constant coordination with various employees of the business. It is important that these people are flexible enough to face up to different employee personalities and clashes will not have to be evaded once they start working. Good bookkeepers are those who also have a knack for customer service because they can be expected to hold their ground despite stress and pressure. Moreover, these people will also be able to attend to the business’ clients should they have any concerns when it comes to various financial transactions which will be done.

Accurate Bookkeeping Services improves the ability of a firm to focus on business growth while simultaneously curtailing risks and costs. There are many firms offering outsourced bookkeeping services that work for small and medium businesses worldwide.

When I first found out about Liberty League International, I thought I’d stepped right into partnership movie “The Secret”, you know, the movie about the Law partnership Attraction. I had watched the movie a couple of times partnership realized the significance of what it was all about. I was online looking for a home business opportunity and an impression (landing or splash page) came up with a picture of a couple who were retired. According to them, Liberty League was a wonderful home business opportunity, they were only working the business a few hours a day and were able to spend time on their catamaran in the Gulf of Mexico and really take the business anywhere in the world.

“Wow! I’ve found it! The home business I’ve been looking for is right in front of me, the Law of Attraction at work” I’m thinking. So I filled out the contact information and waited.

A short time later I received a call from a very nice woman who explained that it was her website which I landed on and she would answer any questions I might have. My first question was “what is this all about?” and she explained that I would have all of my questions answered on a “business overview call”, when would be a good time for me to go to a call? The next call was at 3:00 p.m. so I jumped right on that call.

On the call one of the members of the Executive Marketing Council reads from a script and tells you that you can actually start your own home business which has the potential to generate a multiple six figure income for only $1,495.00, and they explain how, once you have passed up your two “training sales” to your adviser you are now in a position to earn a “profit” on all of your sales at this level for life. Then they carefully explain that now that you are “qualified”, everyone who you sponsor will in turn be passing up their first two sales to you, and those two people will in turn pass up their first sales, and those four people will in turn pass up their first two sales, and those eight people will in turn pass up…well I guess you get the picture.

Next, they start explaining the historical numbers. Seems that one out of every three people who signs up at the first level – which is called the “Beyond Freedom” level – will purchase a Liberty Conference ticket for $7,995.00 and here’s the great news, you’ll be earning $5,000.00 for each of those purchases.

And it just keeps getting better. About half of those people who purchase the Liberty Conference ticket will purchase a Summit Conference ticket and, are you ready for this? you’ll be earning $8,000.00 for each of those purchases. Well I was mildly excited about all of the potential to say the least.

Then, after the call was over, something very interesting happened. I received a call from the very nice woman who asked if I had any questions and I said “yes, I have several”. Her response was “OK the next step will be to do a three-way call with another leader in the company so that they can answer all of your questions. And she made the arrangements for a call back in about a half hour to get my questions answered.

One of my questions was “I heard somewhere in the “business overview call that I can get started for $49.95, is that true?” “Well yes, but then you’ll have to pass your first five “Beyond Freedom” sales up, that would mean passing up $5,000.00 in “profit” why would you want to do that?” How true. I had much to think about so I told my prospective sponsor that I”d have to give this whole thing some thought and I’d get back to her.

That night – actually about 2:00 in the morning – I woke from a sound sleep and thought about the numbers. All I have to do is pass up my first two sales and then I’ll be “qualified”. After that everyone who I sponsor will be passing up their first two sales to me, at $1,000.00 profit each and then there are those profits of $5,000.00 and $8,000.00. Now I see how people are making fortunes in home based businesses. But I’m still holding back for some reason. Then I receive an email from the very nice woman inviting me to a a special Friday morning call which will give me a “peek behind the curtain” into the lives and successes of many of the Liberty Leaguers. Wow! this sounds like its too important to miss, and besides I have an extra half hour on Friday morning, think I’ll go to the call.

This is where “The Secret” went to work on me. I dialed in to the Friday morning call and lo and behold the stories which I was hearing were just incredible. One in particular grabbed me. Seems there was a young man who had been a security guard in a wealthy community out west, perhaps Colorado. He kept getting calls to this beautiful mansion because of a faulty alarm, and remembers just a few short years ago how one day while in the mansion he made the comment that he would never earn enough to be able to afford such luxury. Well guess what? Since joining the “League” a few short years ago, are you ready, he now owns that very same mansion. Pretty cool, right?

Well I’m sold! And let this be a lesson to you, do some due diligence before you invest in a home based business. Because not only did I invest the $1,495.00 plus shipping, I wound up investing more than $20,000.00 to “capitalize” my business. Want to know why?

Shortly after joining Liberty League and receiving my “Beyond Freedom” package I went right to work on the business as well as the personal development program. I was placing ads on the free internet sites and getting some responses and was so eager to be able to pass up a sale and then another sale to my adviser and be “qualified”. Then I received a call from the very nice woman who explained that I should go on the Tuesday night call that explains the conferences and how to really make the BIG money. Well I was shocked and dismayed. Now and only now I find out that you have to purchase one of the Liberty Conference tickets for $7,995.00 in order to qualify to earn a “profit” of $5,000.00 on tickets that you sell. Oh, and as for the Summit Conference? Same thing you have to purchase a Summit Conference ticket for $12,995.00 in order to qualify to earn a “profit” of $8,000.00 on tickets that you sell. As its explained, “this is the way to properly capitalize your business”. I was upset but what the heck, I’ve got the $20,900.00 so once I make a couple of these “Beyond Freedom” sales, I’ll go ahead and get myself “properly capitalized”.

Well a few months go by and I’m following the program and nothing’s happening. I’m generating plenty of leads and placing a lot of people on the business overview calls, I’m doing my personal development and journaling, and still no sales. Good thing for me there’s a Super Saturday event coming up and its close to home, all I have to do is buy two tickets, one for me and one for my wife, at $299.00 each, and we can go and talk to all of the leaders and find out what they are doing to be so successful. I’m certain that they will reveal all of the inside secrets and it won’t be long and we’ll be earning a fortune, just like they are.

We went to the Super Saturday and I’ll be darned if I learned anything new. Oh I realized that these people who were making five figures in a week or six figures in a month were just ordinary people, just like you and me, but about the best advice seemed to be “I was just like you, my business wasn’t going anywhere until I made the commitment and decided that this was it and I was going to go “full boat” (which means I’m going to buy my Liberty and Summit Conference tickets) and then my business, as if by magic, just took off.

So that’s the secret! You just have to have faith and take the big leap and invest another $20,990 to capitalize your business and then it will happen for you. Well there must have been something in the air or water at Super Saturday because against all reason and logic, I did it. I purchased both the Liberty Conference and Summit Conference tickets. As a matter of fact, I couldn’t wait to do it. I actually went online and placed the order for them on Sunday following the event. And again, I did it “no questions asked”, and again the most important information was withheld until the tickets were paid in full.

Here’s the real kicker! I found out shortly after I “qualified” at the “Beyond Freedom” level that it would take an incredible effort to become qualified at the other levels. Here’s why. Seems that your adviser has a register for each level. After I purchased my Liberty Conference ticket their register had to have four ticket sales after mine in order for me to be released. You want the most interesting aspect of this entire adventure? My advisers weren’t even actively marketing Liberty League anymore. What did that mean for me? It meant that I would have to pass up four ticket sales at the Liberty Conference level in order to qualify to earn profits at that level, and four ticket sales at the Summit Conference level in order to qualify to earn profits at that level. Can you believe it? That’s $52,000.00 more in profits that the very nice woman, my adviser, would earn before I earned a DIME!

Is Liberty League international for you? Only you can decide however, if you want some more information you might want to Google Liberty League International and do a thorough investigation of the first couple of pages. Then, when you’re finished there, Google Australian 2 up. Read Michael Dlouhy ezine and also scroll down and you’ll see Liberty League International has had a class action lawsuit filed against them. I’m certainly not telling anyone not to go with Liberty League, just do your due diligence – something I didn’t do.

Hi, I’m George L. Kenney

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As you start partnership school, join youth and adult clubs in your community that you would really enjoy. Participate as an appointed or elective officer on the clubs and other groups you belong to. Most groups look for youth representatives, and you have the time to do an excellent job. Look for activities and sports that will make you look your best to the college you eventually want to attend. If you have many talents and interests, be sure to keep your grades up, and achieve at high levels in your activities.

During your high school years, some of the special activities that show you have special talents and abilities include:

Writing

Join the club newsletter staff. partnership writing and essay contests. Compose speeches for contests and debate tournaments. Write a teen column for your local newspaper.

Art, Photography and Drama

Enroll in special design, drawing, painting, ceramic, and pottery classes through your city’s recreation department, continuation or adult school. Act in community plays, or musicals, and work backstage in the community theater. Volunteer to work on the photo staff of local newspaper. Publish in city or local newspapers. Win awards at local art shows and partnership fairs.

Music

Participate in community orchestras, bands, choirs, madrigal groups, musicals, junior symphonies, summer music camps, music award competitions, and church choirs.

Science

Join the adult radio, science, math and engineering clubs. Participate in regional and national math tournaments and science competitions and fairs. You can win prizes and awards. Subscribe to science magazines or read them at the library.

Sports

Be an active team player in the recreation department sports you like best. Follow a regular training program to develop above average skills.

Agriculture

Join Future Farmers of America, FFA, or 4-H Clubs. Enter state and county fairs to gain awards, prizes, and recognition.

Home Economics

Work hard and compete for awards and prizes at county, state and national fairs. Offer to help a local business in your area of interest.

Technical Arts

Volunteer for experience at auto and body shops, metal shops, manufacturers, and engineering or architectural firms. Schools offer job training through Regional Occupational Programs, ROP. These may be open to you at the Community College .apprentice training programs.

Business

Try out some prospective business careers by working as a volunteer or intern. Be sure to ask for letters of recommendations.

Leadership

Become an Eagle Scout.. Apply to be a legislative page. Volunteer for your senator, congressman, assemblyman, city councilman, or for local civic and charitable organizations.

Keep track of your high school courses and activities A scrap book for newspaper clippings and awards will give you a wonderful diary for your future life, and will help you fill out your resume your senior year.

Helen Heron-Karnes is a dedicated educator, author and publisher. She graduated from Pomona College, received her teaching credentials from UC Berkeley and is a Reading Specialist. She taught high school in Livermore, CA for thirty-five years, and retired as “Teacher of the Millennium”! She has given presentations all over the world, including talks at the World Council on Gifted and Talented Children at The Hague and Hong Kong. Her most recent presentation on “Creative Problem Solving with Gifted Students” was at the Mensa World Gathering in Orlando in August, 2006. She is the Gifted Children Coordinator for San Diego Mensa. She has just published the newly revised 5th edition of College Countdown, A Planning Guide for High School Students, Contact her at info@heronpub.com or through http://www.heronpub.com