Message #1217 Friday, September 17, 2004 "What keeps you going isn't some fine destination but just the road you're on, and the fact that you know how to drive."
Barbara Kingsolver *** * Don't make this income-squashing mistake. * How your dog can help you lose weight * Do you know the difference between what you need and what you want? * Why try to get 40 miles to the gallon when you can get $400 to the mile? Plus: * What I learned during -- and after -- Hurricane Frances * What's a "functionary"? *Advertisement* ***The Department of Homeland Security recently launched the National Cyber Alert System, using a digital map to track cyber-terrorist threats. A tiny $5.50 security company has a chip that can stop viruses and worms in their tracks. The company's business is growing so fast, analysts increased its EPS estimate by 45% in one month... and 218% for next year! We think the stock is worth $34.88. Find out exactly how you could profit. http://www.agora-inc.com/reports/RTD/WRTDE903 WEALTH Is Your Fear of Failure Keeping You From Being as Rich as You Could Be? Set higher goals for your income and it's likely that you'll reach them. Too many people earn less than they could -- not because of a lack of skill or hard work but simply due to low self-esteem and a fear of failure. The best way to get over these obstacles is through positive action. Raise your aspirations, set formal goals, and make detailed plans to achieve them. If you're earning $50K now, set a goal for $75K. When you reach that, aim higher again for $100K. This is similar to what real-estate developer Frank McKinney calls "exercising your risk muscle." (See Message #1194.) Exercise gives you strength. Strength helps you achieve. Achievement increases your self-confidence. With enough self-confidence, you will soon be as rich as you want to be. HEALTH Hiking With Fido Has Benefits for Him and You Numerous studies have shown that people are more successful at losing weight when they do it with a friend. If that's your goal but you can't find a human companion, get Fido involved in your outdoor exercise program. It's good for you . . . and for the dog too (assuming he's in shape). Doug Gelbert, a dog lover who loves to hike, has a website (www.hikewithyourdog.com) to help people locate dog-friendly parks and trails across the U.S. Check it out. WISDOM The Difference Between "Needs" and "Wants" >From "Getting Rich in America" by Dwight R. Lee and Richard B. McKenzie: "There are some things we all need. Food, clothing, and shelter are basic and obvious needs. But even when considering the most basic needs, it is important to distinguish between what we need and what we want. There is a natural tendency for people to claim that they need certain things, such as a new car, a stylish coat, or a Caribbean vacation, when what they are really saying is: I want them. Not surprisingly, the urgency of such 'needs' tends to be tied in to how much one has to pay for then. People tend to need a lot, for example, when they believe someone else is picking up the tab. Their need generally becomes more moderate when they themselves are paying." *Advertisement* The Lazy Man's Personal Profit Center In 6 hours and 35 minutes, you can be in business well on your way to making upwards of $100,000 per year! That's how long it takes to create what is without question the world's easiest, most profitable and infinitely rewarding business. A business you can run out of your home from your kitchen table in as little as two to three hours a day. Here's how: http://www.myresumebiz.com/etrfr TODAY'S ESSAY The Solution to High Gas Prices by Justin Ford for Early to Rise You've been working hard at a blue-collar job for years and, suddenly, you've got a big problem: You just had a heart attack. What do you do now? For Peter P., the answer was real estate. Peter closed his business in New York, sold his house, and headed south with his wife. Instead of getting another job, he decided to invest in some income-producing properties. In his first year of investing, he bought nine properties -- ranging from a townhouse to single-family homes and a triplex. He sold two of them in just a few months for a combined cash profit of about $105,000. He held the other seven as rental properties. During the year, they generated net cash flow, after expenses, of about $25,000. And, because he had bought the properties under value in a fast-rising market, his net worth increased by about $280,000. What makes Peter such a successful real-estate investor? "I drive slow," he told me. Peter has identified two neighborhoods where he finds the best value and growth potential. Whenever he drives home from just about anywhere, he'll cut through one of them. Other times, he'll zigzag through the two neighborhoods specifically looking for new "for sale" signs. And he'll drive slow. He knows not just most but every single property that's for sale in these neighborhoods -- whether they're listed by a real-estate agency or by an owner -- just about the moment they become available. This has allowed him to act on rare opportunities the moment an under-priced property appears on the market. And that's key . . . because properties offering good value don't tend to stay on the market long. Peter may travel an extra 20 miles a week, combing these areas for good investments. That works out to an extra 1,000 miles a year or so. But when you consider that he racked up profits, net rents, and equity gains of about $400,000 in his first year alone -- that works out to a gain of about $400 a mile. That's about 100 times better than a New York cab driver might do by catering to foreign tourists . . and a whole lot more enjoyable. *Advertisement* Ralph's Cancer was the worst case the Mayo Clinic had seen in 20 years? Eight years ago, Ralph's cancer was so bad... they'd given him Last Rites. But a little known, non-drug therapy brought him back from the brink of death. Today, his doctors call him... The Miracle Man. Learn the natural secret that saved Ralph's life after drugs, chemotherapy, and everything else in conventional medicine's "bag of tricks" Couldn't. http://www.agora-inc.com/reports/HSI/W6HSE813 TODAY'S ACTION PLAN If you like to take a leisurely drive now and then, you might want to start taking the long way home. Drive slowly and bring a cell phone and a notebook. Soon, you'll be one of the first to know about the best property deals in your neighborhood . . . and you may find that what you get out of it is a lot better than what it costs you in mileage. NOTES FROM MICHAEL MASTERSON'S JOURNAL Some things I noticed this week after the hurricane: * Most people seemed to derive a bizarre sort of frenzied pleasure from the threat of disaster. Sister DF and friends PP and PR were like that, almost delighting in locking everything down, talking about the potential for destruction, and listening, almost non-stop, to the media reports. * The media were worse. Their happiness with the possibility of imminent disaster was just plain disgusting. In the beginning, this seemed foolish. ("I'm standing here on the beach. I'm not sure if you can appreciate how strong the wind is. But if you look at my hair . . . it's moving!") As things got more serious, they could barely restrain themselves from grinning. There were all sorts of idiotic events staged ("I'm standing on top of the news building here. You can see how the wind is whipping at the aluminum paneling on that wall. Since the wind is going in that direction, I'm perfectly safe . . . ") And it ended with 24 hours of self-congratulations. * The bureaucrats, functionaries (see "Word to the Wise," below), and police were generally good, but the normal percentage of them (like 50%) was gleefully enforcing the curfews, barricades, and other aspects of martial law. * Some people respond well to pressure, energized by the call to action, eager to help out, upbeat, and optimistic. Other people get short-tempered and frustrated. * Some people take care of themselves. Other people take care of others. * It pays to network . . . and stay in touch. My friend Peter was able to secure double his "quota" of plywood by making friends with a couple of rednecks on line at a supply store. * There is a bit of a party atmosphere that develops when friends and family are shut up together for a while. * You can read very well by candlelight. Two candles provide a full and very pleasant light on a page. Eating by candlelight, too, is very nice. You realize how little of what we consider modern is necessary. * The electrical system in South Florida may be worse than that in Nicaragua. It's amazing that 3 million households . . . 6 million people . . . are without electricity for so long. In Nica, during the windy season, the winds are at these levels on a sustained basis, yet the electricity is better and more reliable. * Everything needs electricity. Gas stations have gas but no electricity to automate the pumps. The same is true for water heaters, gas stoves (starters), etc. * After the storm passes, people come out onto the streets and start picking up. It's a very impressive sight. Like ants . . . we seem to have a natural impulse to make things right. WORD TO THE WISE A "functionary" (FUNKG-shuh-ner-ee) is a worker who holds an office or a trust or performs a particular function; an official. Example (as used in Notes From MMF's Journal, above): "The bureaucrats, functionaries, and police were generally good, but the normal percentage of them (like 50%) was gleefully enforcing the curfews, barricades, and other aspects of martial law." Michael Masterson Copyright ETR, LLC, 2004 ALL CONTENTS OF THIS E-MAIL ARE COPYRIGHT 2004 BY ETR, LLC. ALL RIGHTS RESERVED: REPRODUCING ANY PART OF THIS DOCUMENT IS PROHIBITED WITHOUT THE EXPRESS WRITTEN CONSENT OF EARLY TO RISE. Protected by U.S. Copyright Law {Title 17 U.S.C. Section 101 et seq., Title 18 U.S.C. Section 2319}: Infringements can be punishable by up to 5 years in prison and $250,000 in fines. Are you having trouble receiving Early to Rise messages? Ensure that Early to Rise gets delivered to your email box, click below: http://www.earlytorise.com/whitelisting.htm If you'd like to suggest Early To Rise to a friend, please point them to: http://www.earlytorise.com/SuccessPartnership.htm EMAIL CHANGE? 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