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Esther Smith
at Laguna Beach, CA
goplaytoo@charter.net
Phone: 864-675-9145

 

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New-Rich Blogger

We are told in countless surveys today, inherited money is dying off, along with the perpetuation of privilege through family names that matter more than skill and ideas. The new rich are self-made. Wealth is ruled by the entrepreneur - risk takers for whom wealth is a byproduct of pursuing their passion.

 

March 20, 2008                   Clarity Is Power

I read somewhere that during World War II if an unidentified soldier stepped out of the dark and could not state his mission, he was automatically shot without question. A mission, or more to the point, a mission statement is in essence a verbal or written reason for being – simple or complex.

It is said to be your key to finding a path in life; a sort of template to refine one’s activities. Many seek career counselors and take expensive tests, all to determine their strengths and weaknesses. This defines their purpose and direction -- a mission.

The number one most deadly fear of all people seems to be “having lived a meaningless life”. Many gasped at the announcement that the President of American Express had quit his $4,000,000 job. His reason was to look “for a life”.

Once you develop a mission statement broad enough to cover your interests and activities both on and off the job, your life will begin to make sense… “this is what I’m about”. Throughout life each of us must constantly face two questions: where now, and what next?

With a mission you will easily know the answer. Clarity is power.

http://tinyurl.com/2bsuvn


March 17, 2008                   The Cheese Story

Spencer Johnson, M.D., is the author of a story with a simple parable that reveals some very profound truths. He uses four characters that live in a mouse-maze and spend their days looking for cheese that will nourish and make them happy.

Two of these characters are mice named Sniff and Scurry.  The other two are miniature humans named Hem and Haw. “Cheese” is a metaphor for what we want in life – love, money, health, spiritual peace.

The “maze” is where you search for what you want in life. In our case, it is the Internet. As you run through the maze and you find some cheese, you write what you have learned on the walls of this Maze. Others in the same situation will come upon your information and see -- “the handwriting on the wall”.

If they trust your writings, they will enjoy less stress and greater success in their lifetime. But of course, some will hem and haw and hesitate to act on your valuable knowledge. Others like Sniff and Scurry will continue to run aimlessly around the maze; still unsatisfied, still looking.

Here is my writing-on-the-wall:  http://tinyurl.com/37wghx


March 9, 2008                   Hello, Goodbye

I am so-o-o yesterday. The older I get, the more I believe this.

Cutbacks in the newspaper industry are becoming more frequent due to Internet and television keeping us abreast of current events. We no longer have to wait for our evening paper to tell us what has happened during the day.

It came as no surprise therefore when I followed a news snippet -- yet another newspaper was engaged in a serious cutback. What was surprising was the method they used.

Over the intercom, all employees were notified that this cutback would cover several hundred employees. They would be notified by phone if they were on the short list. Everyone was cautioned to answer their phone until 10:00pm. If they were not called they were to report to work as usual on Monday.

Some would say that it is kinder to the employee who does not have to be called into the boss’s glass-front office while everyone gawks from their Dilbert cubes. Others claim it saves confrontations, often leaving blood on the carpet. What ever happened to pink slips?

Getting fired over the phone is about as impersonal as you can get. Employees with higher salaries are naturally in the crosshairs in all money based cutbacks. Your degrees, creative writing talents and stellar attendance may only get you a better bridge to sleep under tonight.

If you are murmuring to yourself, “…this could be me”, then do something right here, right now. Investigate this opportunity that saved me and turn that call into “Hello – Hello”.             http://tinyurl.com/2bsuvn 


February 21, 2008       Everybody’s Doin’ It, Doin’ It, Doin’ It

Bees are doin’ it. So too schools of fish and millions of wildebeests. Birds have been doin’ it for centuries, gracefully flocking in a particular direction without knowing or caring where they are headed.  The leader knows and that’s enough.

Human beings are no exception to the herding instinct.  But this tendency to follow comes at a cost that few have considered.   Psychologically, it’s easier to follow the decision of someone else because when you follow their decision and something goes wrong, it’s not your fault.  Yet you share the loss whether you admit it or not.

In a herd there is only one winner, the one at the front leading the herd. The leader always eats first, drinks first and decides where the others are going.

In a study of the super-successful people, most if not all were found to be “contrarians”.  They broke away from the herd. Edison, Rockefeller, Churchill, Walton, Ford, King, Gandhi and others – all had reputations as contrarians.  Their thinking was contrary to the “mass-thinkers”. 

What did they have that you do not have? Not a blessed thing! 

What do YOU have that they did not have? The Internet gold rush! 

http://tinyurl.com/22juxm


February 17, 2008                   In Matters of Money

Hallmark sold 85,000 “Happy 100th Birthday” cards last year. Ouch!

Are you living longer than you thought you would? I know people that would answer that question in the affirmative mostly because they could not set a retirement plan in place. During their work-life things did not always work out as planned and many found themselves living from paycheck to paycheck.

During most careers things that were covered by company benefits like dental, vision, or medical tests are not fully covered by Medicare. Hearing aids alone can run $6,000 and false teeth are off the chart. Because these come at a later age some are never covered at all. Even with a pension the immediate purchasing power of a retiree today is reduced by 30%.

If the above fits your situation, you are clinging to your bottom-rung job just to avoid a lesser lifestyle. Your path may be different from mine but I’m guessing we have some things in common.

Both of us have given power over our lives to other people time and again. We have searched for a viable way out and we’ve certainly had our share of train wrecks with Internet opportunities. I blog now as a distillation of what I’ve learned as I succeeded on the Net; but I’m still a work in progress.

All experience is good. Your past is useful. Take a good look at it, but don’t stare. Now -- fast forward to fun and fulfillment while you follow me. You’ll thrive, not simply survive.

http://tinyurl.com/2bsuvn


February 10, 2008                Are You Who You Say You Are?   

Fraudulent Credit Card use has reached epic proportions. One of my programs had to shut down in December and is still not back up because of a 3.5 million dollar mess. It interrupts business, gives banks a migraine and leaves its members hot under the collar. It’s unfair to all honest people!

The result?  They simply stop accepting credit cards. PayPal has frozen accounts for various reasons and few businesses will risk that. They are favoring Egold, SolidTrustPay and AlertPay, and who can blame them. These merchant accounts are also wary of fraud and put any new membership through the wringer.

Prove your email address by replying to ours – prove your physical address by sending a copy of any monthly statement with your name and address on it – prove your bank account by verifying our two minimal deposits on the proper form. Some require an enlarged photo copy of your driver’s license… front and back. It’s almost like you’re guilty until proven innocent.

If you are searching the Net for home-income, your best bet is to get “verified” by one or more of the above merchants. Allow two weeks to prove to them that you are who you say you are. Once verified, you can join almost any program with no delay. 

For a true breakthrough of the no-sponsoring system, try this with Egold or AlertPay: http://tinyurl.com/2bsuvn 


February 6, 2008                   Chasing the Dollar

Unemployment in my state is 6.7; there are states higher, and a few that are lower. If you are chasing the dollar today then you probably are searching for a new road to independence and what better place to search then on the Internet. You don’t need tea-leaves to look for your answer.

On a whim really, I joined a program simply because they had a “trial” membership for 14 days. They claimed 100% of their members earn money from day one and no recruiting was ever required. Yeah, right… I told myself. Their product is advertising so while I tested them with a “trial” membership I could advertise one of my other programs for free. That’s where it all began.

As my two weeks progressed, my (1) “trial” position began to cycle over and over earning me small amounts of money. I was impressed. Meanwhile, my advertisement was bringing in new prospects; so far, so good. Each “position” costs $10 so I decided to purchase 10 new ones. My trial position plus all it had earned over 2 weeks was given to me as an “active” member.

Here’s where it gets really interesting: as my 11 positions cycled over and over daily, funds began to build up. When they reached $45.00, I re-purchased 4 more positions and now my 15 were cycling and earning funds faster. The following week I re-purchased 9 more, and each week as the funds multiplied, I re-purchased.

Of course you can cash out some of your money if you need to. But my plan is to continue to purchase new positions until I reach 500. Some have done this already for an income of $500,000+ annually.  

This is so effortless I had to share it with you.   http://tinyurl.com/22juxm 


January 28, 2008               Can You Type?   

The chance for you to become financially free with a home office and reasonable income is very real possibility, and much closer than you think. Can you type? I don’t mean fast – just simply, can you type? Do you have a computer with access to the Internet? If your answer is yes and yes, what’s stopping you?

I have friends who only put in a few hours and make a few hundred extra bucks each month. They see it as entertainment and an easy way to add to their retirement packages. I also have friends who make thousands a month. And still others who make tens of thousands a month.

I guess the only question to ask is, how much do you want and how badly do you want it? You don’t really need me to get started, but perhaps I can save you time and wasted money in trial and error. The Internet a-glitter with millions of offers but finding the gems is the trick.

I like to run a long-term program with payouts like $8k plus.  But I need a few short-term ones to keep gas in my car and food on the table.  Some short-term programs pay from day one with no recruiting. Others require a filled matrix of 2x2 (6 members)… BUT they will fill that for you since their very product is – advertising!   Viola!

Okay, I’m not going to leave you hanging. Here are two of those short-term winners:  http://tinyurl.com/2bsuvn     http://tinyurl.com/2dftg2  


January 24, 2008   I Am Not One of the Big Dogs

It took me years to walk safely through the minefield of Internet offers and find a handful of honest programs that allowed me to work-at-home. Now a confirmed entrepreneur, I continue my search for more gems but I know many of you are being scammed right now. It happens every day.

The best Internet income is still “residual or leveraged” money and that can usually be found in a matrix setup. But the way-back style of these programs has changed. Today all selling, convincing, and explaining has been eliminated, all cold calling, selling to your friends and family – eliminated, all monthly fees – eliminated.

Today there is a revolutionary accelerate cycle system that will turn $10 into 2 million. No matrix to fill or sponsoring is required; a simple and true working, no-sponsoring system that pays from day one, month after month.

Out of curiosity, I joined $10 Wonder by purchasing 10 positions at $10 each for a total of $100. Since that time, I have used my earnings to slowly and consistently re-purchase additional positions. My vision is to own the maximum allowed of 500 positions. At 235 the earnings are $40 to $50 daily and growing.

Good news is: 100% of participated members earn from day one and it never stops. With patience and this new system, you too can do exactly what I have done using your own speed. You can withdraw your earnings or re-purchase more advertising positions, or both.

And, $10 Wonder understands that many of us have been burnt in the past, so they offer a free trial. Join and watch your free position earn daily. It convinced me.

I do spread the word about this opportunity to help build the membership because it benefits everyone, including myself. More members = faster cycles.     http://tinyurl.com/2bsuvn 


January 5, 2008    Fear of Failure Inhibits Creativity

Our culture appears to be drifting into an unwholesome view of success and failure. Everyone wants instant success; time is of the essence and life is too short to struggle. Admittedly, we live in insecure times and no one is surprised that we’ve lost the meaning of a “good job”.

Some look for a business with a short-term windfall rather than a sustainable source of income. Many seek fortunes through lotteries and lawsuits rather than hard work. They have the illusion that government is there to protect them from any harm and will even rescue them from insurmountable debts.

From the sidelines, it seems that rock bands or football players suddenly appear on the scene earning millions of dollars. Actually it took years of hard work and many, many failures to find success.  The same is true for entrepreneurs. Many will tell their story of being on the brink of failure, but they persevered.

During the climb to success you will find a way to buy food, put gas in the car or pay the rent. You will find a way to keep the wolves from your doorstep long enough to make it through the next month. When you finally have to admit something is not working, you will move on to the next one that might and take with you the lesson you learned.

Failure builds character and it is the fear of failure that inhibits creativity and keeps us from ultimate success.


December 26, 2007    A Pink Christmas

From every phase of education including the arts and media, entrepreneurs have greatly impacted the world throughout history. Cutting the bonds from dominating bosses with the possibility to make their own decisions is one of the lures of starting an online business. Some build from scratch while others risk it all chasing their dreams, but each one dramatically changes their lives as well as ours.

Hardly a week goes by that I don’t see another corporate closing its doors or a small town factory passing out pick slips. Coal mines collapse never to open again. Skill Tool and Die closes its auto parts plant on Cleveland’s West Side. Even a Flight Factory Simulations facility will close its doors by the New Year.

It’s hard enough to face unemployment but to get a pick slip for the holidays must be a joyless Christmas for those families. But this can also be a wakeup call, a shot of reality that sends a clear signal. We desperately want to have the freedom to do what we want, when we want and with whom we want. 

“I would have done it long ago”, I hear you say, “but I can’t recruit people. Why can’t I join a program and pay someone to do this for me?”

The good news is – you can! Every member is placed in the advertising rotator to receive their required number of members. When your matrix is filled, you are paid… plus you receive a new entry, over and over again.

Merry Christmas

http://tinyurl.com/2dftg2 


December 17, 2007 - Winning the Rat Race

Lily Tomlin said it best: “The trouble with the rat race is that even if you win you’re still a rat.” So why do people run that race all of their lives working for someone else’s wealth when they could be creating their own?

Admittedly, work provides three essential life components: Structure – getting up at the same time each morning, where to go, how long to stay there and when to return home. Community – a social fabric for relating to other people. Purpose – a focus, a goal within a given time frame.

Even an online business takes structure in the form of discipline. As CEO of your own business you will want to keep a steady eye on all facets of your business. Nobody wants to neglect this and find a Friday-surprise!

Getting out every day for an hour or two is healthy, and volunteering yourself to a needy cause keeps your social fabric in good shape. Your goals should always be updated or refined as you succeed in your business.

My focus is on creating perpetual income. I have no degrees, am not a guru by anybody’s standard, and I hate selling! Even with a minimum of common sense, you can step out of your rat race forever.

http://programjunkies.com/?twigs


December 10, 2007 - It’s Like Magic – Perpetual Income

Magic was a good word to attach to the 2x2magic opportunity because when some of us joined last week we cycled and doubled our investment in 3 days. We wish you had been with us for the excitement. To double our money even before the program went “public” was a first for me and many that joined with me.

Eventually there will be FIVE matrix choices, but you only invest ONE single time. When you cycle, you are automatically put back in at no extra cost to you. Wouldn’t you like to generate $100, $200 or even, $3200 over and over again with only one initial out-of-pocket cost?

CMS, our Constant Marketing System, will promote your website for you; it’s part of your initial entry fee. This is a set-it and forget-it program. The referrals you bring in, or your CMS brings in for you, pays 20% to you when they cycle. Sweet.

Discover the power, simplicity and huge potential. First join PJ, (it’s free) http://ProgramJunkies.com/?twigs    then join us in the 2x2magic program.


December 2, 2007 - The Yes! Factor

In this dream you are running a marathon. Imagine that feeling of crossing the finish line first – thighs screaming and lungs bursting. The crowd is cheering and calling your name.

Or in this dream; you are at the Derby and your horse is coming up on the outside; steadily gaining until he is leading by a length and you know your bet is safe. Even the jockey raises his right fist in the air and screams --Yes! It’s his victory as well as yours.

Can you remember the last time this happy moment was yours? A joyous time, that triumphant moment, a time you won’t ever forget. You attempted the impossible and you won. You balled your fists, held them high in the air and let go with a big Yes! for all to hear.

It has become a victory expression we all understand. We smile when we hear it from across the room even when we don’t know what caused it.

Getting a Yes! now and then makes you feel better about yourself, your job or career, your friends, family and your life. We all like to win.

Win now with PJ and avoid those programs that are stacked against you. It’s free to join and is leading us right now to our next Yes! factor. Hurry, don’t waste a moment.

http://programjunkies.com/?twigs 


November 23, 2007 – The Next Big Money-Maker

Every morning in Africa a gazelle wakes up. It knows it must run faster than the fastest lion or it will be killed. Every morning a lion wakes up. It knows it must run faster than the slowest gazelle or it will starve to death. It doesn’t matter whether you are a lion or a gazelle, when the sun comes up you better start running.

As humans, we try to run as fast or faster than our competitors. Ideally we’d like an advantage -- an “in” with the heavy hitters on the next big money-maker. This would put us ahead of the curve and earnings would reward us first and all others later.

People don’t expect the road to riches to be in plain sight. Every Guru has a secret to share and I’ve heard them all. The big secret is – there is no secret! But I have found an “in” with the heavy hitters. Their job is to help me earn money with the right programs and avoid losing money with the wrong ones.

They not only tell me what programs to join, they tell me what to expect and when to drop out because the big money has already been earned. They have proven to me how easy it is to build an increasing residual income, so I don’t have to chase any more programs. 

These powerful liaisons with seasoned professionals can be to your benefit as well as mine. So let’s make some money and have fun doing it.

Esther Smith, author/publisher
http://programjunkies.com/?twigs 


November 23, 2007 – Connecting the Dots

In many circles you might have the same reaction declaring yourself a leper when you speak of being in network marketing.

It’s the old Ponzi game that sticks in the mind like spaghetti to the wall. But nobody takes issue with the tiered compensation structure because almost every large sales organization in the world has that. Sales people get commissions. Sales managers get overrides or bonuses, and sales directors on top of that, and VPs on top of that.

There may be a perception problem here that is out of line with the reality.

The idea of making money right away without special skills or major investment always appeals to the masses. And the promise of residual income seems to be the cure for avoiding our current financial position ever again. The real fear lies in the selection; finding a winner among the scams.

The solution: don’t look for the winners – you probably won’t recognize them anyway. Get “in” with the Heavy Hitters. Or second best get next to someone who is well-connected with them.

He has a team of members that you join. His contacts of Heavy Hitters know that he has a fast acting, intelligent and responsive team of members, so it’s profitable to let him know first; even before they pre-launch.

He tells you in advance what’s coming online and when. He has worked out exclusivity for his members for a few hours or a day. He’ll tell you when to get in, and when to get out. You are never, ever presented with a “suckers bet”, only winners.

Now just connect the dots.

Esther Smith, author/publisher/entrepreneur
http://programjunkies.com/programs.php?twigs


November 18, 2007 – The TriUnity Money Stream

With equal satisfaction, two scientists in white jackets are studying a test tube: “We’ll name the disease after you and the cure after me”, one of them states.

It’s supposed to be a joke but with today’s television advertising a pill for every conceivable complaint – it’s begun to be a way of life and I often wonder if this scenario is more truth than fiction.

Yet pharmaceuticals are netting big profits for the companies and for the salespeople who know the value of the word “re-order”.  We only have to look at Avon, Mary Kay, or Amway to realize that your new customer is most likely your customer for life. If the product is of value and lives up to its promises, word-of-mouth is your most valuable advertisement.

There is a concept in Network Marketing that states, “Build wide for profit, build deep for security”. Avon still does this. Mary Kay customers love their cosmetics and wouldn’t be without their beauty supplies. For many years, Amway salespeople made thousands weekly with repeat customers.

Is it any different today? Certainly not… most particularly with health issues. For the best long-term business opportunity in this industry today, you should at least explore TriUnity – it was chosen as one of the solid 5-core programs of PJ for good reason.

This single money stream will net you handsomely.  All commissions mailed to your home.

Esther Smith, author/publisher/entrepreneur
http://ProgramJunkies.com/programs.php?twigs


November 17, 2007 – Today’s Rainmaker

Read enough history and you learn that a century ago the American Indians exalted the Rainmaker. He had magical powers to bring rain and nourish their crops. A good harvest of maze meant his people would eat during the long, cold winter.

Today’s Rainmaker is a person who brings in the most sales for his company. Sales are the lifeblood of any program; without Rainmakers the best organizations die. Rainmakers = profits.

Everyone wants to be a Rainmaker – big storm or steady drizzle. These talents are a result of delivering on the promises and learning to say “you” instead of “I”.

Your customer doesn’t care that you need two sales this week. They don’t care about your quotas or why your site went down for an hour. They care less about what you like, where you schooled, what sports you play or have played. They only care about themselves and their problems. You have met them only because they believe you might be able to better their situation.

Remember that you are there by invitation  – you must be on high acceptance at all times. Don’t talk about yourself.  Listen to what he/she says and nod in agreement. Never hurry a sales meeting.

Now… place that ad and pray for rain.

Esther Smith, author/publisher/entrepreneur
http://ProgramJunkies.com/programs.php?twigs 


November 14, 2007 – Backstage with the Big Hitters

A place of envy; sitting in on the next biggie that’s about to burst open on the Internet. There’s a special sort of camaraderie where bragging rights are deserved and new ideas are honed. I don’t have an in, but I have the next best thing: ProgramJunkies.

The Owners of ProgramJunkies have nearly 25 years of combined network marketing experience and have truly been there, done that with every conceivable type of program, system and over-hyped project. They understand all the income and equity alternatives – what works, and what doesn’t. I am one of their members, and you should be too.

The liaisons they enjoy with seasoned professionals benefit their network of PJ members in cash flow and residual income. They like to call these hot, fast moving programs, First Alerts. The idea is to get in first, actually before any pre-launch, and get out if, or when, we are given the word.

It’s time to stop making money just for the big hitters and help ourselves for a change. It’s a great feeling to put my future on this new service because they recognize programs that are truly “sucker bets” and we never see them as PJ members. Naturally, joining these First Alerts is optional and the next will be offered the week after Thanksgiving.

Sure, this can be short term income as programs run their course, but we’ll be adding new sources of income while the others die out. Ride the wave for quick money while PJ’s Core Programs earn you long term residuals.

By avoiding the obvious losers and concentrating on high probability winners, making money is fun again.

Esther Smith, author/publisher/entrepreneur
http://ProgramJunkies.com/?twigs


October 27, 2007 – Hollow Corporations

Loyalty to corporations is morphing into a new independent model of the working person. This trend is more respectful to the family as well as to the human spirit. Today, if you have a laptop computer and a cell phone, you can run a corporation with no personnel, no office, and no inventory. And you can do this from your home.

When a company produces none of their products but outsources everything… that’s a successful business. Think of it as a symbiotic relationship where the entrepreneur can offer for sale on the Internet, any number of high end products and have them drop-shipped from the manufacturer -- globally anywhere.

There are companies an entrepreneur can contract with for this purpose. They provide the customers with all of the back end functions including fulfillment of the product. They handle all of the standard shopping cart functions, inventory management, customer database reports, and all sales data necessary as well as credit card processing. This lets you focus on your entrepreneurial business: marketing the products.

While you may want to Incorporate your home business, it would be considered a “hollow corporation” because there is no brick and mortar storefront or list of employees. You don’t need deliveries or postal pickups and have no use for letterhead stationary. Some do use a website to generate sales, and eBay has many such attractions.

But this is still second best to Leveraged Income, because profits from yesterday’s sales will not earn you a dime today. You must sell again. Given the choice, I’ll take Leveraged Income any day.

Esther Smith, author/publisher
http://thepermanentventure.com/InternetSuccess.pdf   (download yours free today)


October 20, 2007 – Changes in Retirement 

Some time ago General Motors ran their ads on the phrase: This is not your father’s Oldsmobile.  Today, the Oldsmobile has been discontinued. Similarly with downsizing, out-sourcing and home-based businesses: this is not your father’s retirement plan.

The first baby-boomer collected a Social Security check in October of this year, and another 78 million will follow her over the next few years. Will the government hold up under this burden?  Not without raising taxes or cutting benefits – or both!

Sure, we want to enjoy retirement but in this millennium it will have to be a case of continuing to be productive… perhaps on a reduced scale.  Because we are all living longer we are better off just saying “no” to full retirement.

If you have knowledge, acquiring money is relatively easy if you’re willing to work at it. At or near retirement, we should be able to find something that we love to do and put in a short day fulfilling that passion. Volunteering, travel, health projects, business opportunities, writing or getting into the arts are all things to be considered.

The world is changing. The challenges and complexities are of an entirely new order and magnitude. Individual effectiveness is no longer an option – survival in today’s world requires it.

Learning to generate leveraged income is your answer, and it’s all explained in this free eBook. Download your copy and stay ahead of the curve.

Esther Smith, author/publisher
http://thepermanentventure.com/InternetIncome.pdf


October 12, 2007 – The Wage Slaves

We should never settle for anything less than doing what we love -- write, travel, paint, ski, surf, or any other passion that fills your heart. Of course when we are young a true calling may not have made itself visible yet; and we find ourselves floundering.

Years ago telemarketing made its beginning with Corporate America. I took a job with a firm known as head-hunters. We sold bodies -- we were paid a portion of the salary a company offered for a good secretary, typist or personnel director. At the time computer programmers were the competitive rage but I had no Internet knowledge back then.

The office Manager gave me a short training lesson. He put the phonebook in front of me and opened it to the yellow pages. “Start with A”, he said with a devilish grin, “and dial for dollars”.

The business of cold-calling is a slow day’s work for a low day’s pay. Few companies were willing to pay for a typist or secretary which was my assignment. Days of doing something unfulfilling doesn’t give any sense of reward. It makes “dreary” sound like a compliment.

My yellow-brick road has been long and difficult, but the rewards have been reached. I didn’t find Emerald City, but Diamonds, and the value of generating leveraged income well into my future.

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


October 9, 2007 – Going to Seed

Have you ever noticed that some people go to seed early in their lives while others seem to stay vital to the very end of their days? I have puzzled over this occasionally, trying to come up with some reasons. 

I read about Dr. Forrest Bird, who invented the first ventilator saving millions of lives. His first product was primitive, but he kept improving on it year after year until he won the Lifetime Scientific Achievement Award in 1985, and another one in 2005.

Perhaps for others, life presented tougher problems than they could handle. Maybe a major wound to their self-esteem sent them into a downward spiral.  Or did they simply run so hard for so long that they forgot what they were running for?

Due to the encouragement of his father, a WWl pilot, Bird became a pilot at an early age and performed his first solo flight at age 14. By age 16, he was working to obtain multiple major pilot certifications that included jet aircraft and helicopters.

During his adult years, Bird subsequently made a ventilator for infants, nicknamed the “Babybird”; responsible for reducing the rate of breathing-related infant mortality from 70% to 10%.

At 86 years, Dr. Bird is still an active, highly qualified FAA certificated Flight Instructor Pilot and Aeronautical Engineer. He remains an ardent Lecturer as well as Educator, with deep Research and Development commitments in Aeromedicine.

Here’s one bloom that refuses to go to seed.

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


October 3, 2007 – Non Secrets of the Rich

There are new studies out and I’m an avid reader of any new approach to a common problem, and this one begins with the premise that excellence is not the opposite of failure.

The practice of studying failure to achieve excellence in the past was to study the difference between unhappy clients vs happy ones, divorce vs happy marriages, sadness vs joy, or sickness vs health.

This research also includes a study in teams. The unproductive teams say, in the workplace or in sports argued a lot.  The successful teams argued just as much, but the study found a big difference in what went on in between the arguments.

Organizations pay homage to team studies because they know people are their greatest asset. Using a bit of psychology, teams began to label “what’s right with us” to get their strengths together. Focusing on those few things where they are ‘the best in the world’ like Starbucks, Best Buy or Dell, they could move from good to great. By doing this they made their weaknesses irrelevant.

Sounds like common sense, which isn’t so common anymore.

The Centurion Team
http://dcc.thepermanentventure.com


September 30, 2007 – The Road to Happyville

If you’re like us, you are working professionals managing to deal with the endless parade of bills, mortgage payments, raising two teenage kids and maybe splurging on a few goodies for the holidays. Vacations are low-cost family affairs, not cruises to the Caribbean or yearly Disney World extravaganzas. 

You don’t realize it, but for one out of six – Home-Sweet-Home sales can set you free. I say one out of six because like us, you would be near middle age and have held onto your home for more than 15 years. Your home has built-in equity that is a valuable asset today.

Think about making use of this, but only after you have set up some “leveraged income” that will carry you through retirement with monthly checks. You can be setting this in place with the Home-Sweet-Home sale in mind when it is completed.

Let’s say during the final years of the kids schooling, you write a book. Even if you gave this full time attention it’s a laborious task and you must have the blessing of a publisher before you complete Chapter Three. With this green light, you now realize that royalties or leveraged income from this book is going to serve you for many years. A comforting thought with the instability of Social Security.

But today, you don’t have to have an author’s talents. We have the Internet. A world-wide shot at making leveraged income. The real opportunities are there but it takes time to find and develop; like our book example above. The laborious task is in discovering a true gem among all that sparkle offered on the Net.

With all due diligence and many false starts we found our green light. You can do it too. We can help.

Esther Smith, author/publisher/entrepreneur
http://dcc.thepermanentventure.com


September 28, 2007 – Never Gone or Back Again

When my husband graduated High School, he was the first of four boys and the family had a great celebration. The next morning his dad took him to the Navy Recruiting Center in Tampa, Florida. This was the beginning of his 20-year career.

There is no time limit on good parenthood.  Back then the obligation was to feed, shelter, educate and teach them right from wrong as a minor. Unless a college degree was being completed or the young adult had a physical handicap, further support was not an accepted idea.

Yet today we see 20 year olds still in High School and 40 year olds returning home with their babies in tow. How long are parents supposed to support their grown children? I have a 21 year old nephew who has never worked, driven a car, or mowed a lawn – he likes computer games. He plays them all night long. He eats, sleeps and apparently is addicted to video games and most likely at his age, other internet offerings.

The first suggestion people have made is to cut off his Internet connection. Sure, that was my idea too. But he has threatened to burn down the house and everyone knows he means it. Rudeness and disrespect for parents is not rare today. I see the beginnings of it in pre-school tantrums that when ignored, grow to criminal results.  

My husband and I grew up respecting our parents and if college was not in the picture, our independence came with High School graduation. We celebrated our free spirits and set about finding our place as productive Americans.

What went wrong with this younger generation is not a mystery to anyone who watches an hour of news daily.  How to fix it is the real mystery.

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


September 26, 2007 – Entrepreneur: The New Force

America’s industrial era is fading fast but old strengths usually become future weaknesses it seems. The new force is the entrepreneur. A rapidly growing new business thanks to the Internet and world-wide communication.

We see builders, artists, brewers, authors, jewelers, sculptors and many Internet specialists all born with an entrepreneurial spirit. Plan your journey today; focus your efforts on independence – both time and money-wise.

With the looming retirement of 78 million baby boomers, there appears to be no easy fix for Social Security. This should be a red flag to everyone over thirty. Ignore this at your peril because future survival depends on your actions today.

Nearly half of these 78 million will still work after retirement because they fear they will grow bored with idleness, while others are reluctant to give up the meaning and direction that a work-week offers. The other half will find some self-satisfying volunteer work because their need is in helping others.  Not any however, will participate in protest marches or sit-ins; they make that statement loud and clear.

In the end, they all search for the big answer: what is my life all about?

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


September 24, 2007 – The Opportunity Junkie

I’m a self-confessed opportunity junkie. It was the big reason for my credit card debt and the deaf ears of family and when I spoke of a new program. But even while I lost yet again, I persevered; each time learning a new lesson. My education on the Internet has not been cheap. Does this story sound familiar?

Today of course, I have the whole enchilada and the awesome thing about Internet marketing is that after finding the perfect company, with the perfect product and compensation plan, I carried it one step further and made anyone’s chances of success (including my own) just about 100% guaranteed… and that’s not a word to be used lightly.

Let’s consider some facts: with most opportunities there’s always strength in numbers. Look at the fast food business – $1.3 million aside, would you like to own a McDonald’s franchise? If you did your chances for success are just about 100% guaranteed! Why? Because they have everything figured out for you – all the trial and errors have been completed and you benefit. Every risk factor has been removed except one unknown; your ability.

If one finally finds the fool-proof system and improves its very success by engineering new members on a constant basis, why wouldn’t you give this information away; particularly in a re-cycling program. The more that join, the more long-term the company will be active, and the more times every member cycles through.

The Internet and Direct Marketing is probably the best kept money making secret in the world. And I’ve just handed you that secret.

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


September 21, 2007 – Internet Success

There have been so many “Johnny-come-lately” authors making money on their “secrets” that it’s hard to know beforehand if yet a new title might be worth $67. Most of these self-proclaimed gurus have never actually had any real business success, yet somehow feel qualified to educate others.

And of course the only reason they are sharing this with us is because they’re sick and tired of reading about “the 95% who have failed to make it on the Net”. Well if that really was the reason they’d be giving it away. Forgive my cynical posture here; one gets tired of hearing the same ole crap.

Get real -- 95% failure rate on the Net is an excellent target market if you’re looking to make some serious money; whether it’s your first million or you’re adding to your last million. Yet most of them will claim their book is worth so much more, but if you buy it before midnight tonight you can have it for $67. More crap. Bring up the website tomorrow and you’ll see the date has magically changed.

Testimonials from other Guru’s, real or embellished, are just more of the same. By the time it’s published and available to you, it’s been regurgitated in a dozen new eBooks. Technology and strategies on the Internet change at the speed of light and what worked yesterday may not be the best solution today.

Let’s not forget those important “back-end sales”… the authors count on that and they have your email address.

Esther Smith, author/publisher
http://thepermanentventure.com/InternetSuccess.pdf   (and it’s free!)


September 18, 2007 – Give’em What They Want

The Internet is perfect for anybody who wants to start a business and doesn’t want to risk a lot of money. Plus, you don’t need to have any special education or background to get started making your fortune.

Based on the fact that people don’t buy what they need, they buy what they want; we can suggest some reverse engineering here. People buy what they desire, what they feel they can’t live without, what everyone else already has and they don’t. People buy what they crave!

It’s far too much work to create the “want” for a product. Instead let’s find the “want” and create a product for it. This virtually guarantees success as in: are you selling what people already want?

In a recent poll, most wanted easy income, financial success, less money worries, freedom from credit card debt, and I could list another 50 ways but they all said more money… that was the common denominator. They want an easier lifestyle, an end to the struggle every month, a vacation now and then.  Is that so much to ask?

We didn’t think so. That’s why we promote the Diamond Cash Club as a means to leveraged income. It’s not a get-rich-quick plan, but if you can invest a small amount of money for a few short months, you can re-cycle your membership over and over with $8000 payouts each time. This takes patience, teamwork and a positive mindset.

Look it over – you may be as impressed as we were.

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


September 17, 2007 – Salting Your Advertisements

There’s a good reason why local bars or cafés keep peanuts and pretzels on the bar without charge: salt makes you thirsty… they sell drinks.

If as writers of sales and marketing advertisements, use this information it would be to our advantage. Salting the last line of our ads will keep everyone thirsty to hear what we have to say in our next piece?

Authors of novels do this at the end of each chapter and refer to it as a ‘cliff hanger’. They don’t want you to stop reading. What better compliment than, “I couldn’t put it down”?

It’s much better to have great marketing and a poor product, than the other way around. Great marketing and a poor product will make you some money. Poor marketing and a great product probably won’t. That’s not to say that you should sell poor products, but serves as an example of using every advantage going.

Salt your advertisements with that little extra info that will make them thirsty to read more. Never hype – people have been overdosed with empty promises and their finger hovers over that ‘delete’ key.

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


September 14, 2007 – The Centurion Team

The best way to show the advantages of joining DCC under our Team leadership is to first explain what we are doing for each team member. This is optional, and certainly not a Company requirement. Diamond Cash Club works on a 2-target matrix system, the second target (Diamond), recycles each member over and over with a payout of $8000; obviously the faster you get there, the more times you recycle.

On a first-come-first-serve basis we list all members on our website in the order they entered our team, and in turn we work on their behalf. Our mission is two-fold… get each member their “qualifying” two sales (a company requirement), and move them ASAP into the Diamond target for the first of many big payouts.

Other than talking about their success, there is little for any member to do. There are however, two things we must have in agreement. As you become more and more familiar with the DCC program and the Centurions, you will see that these are the necessary ingredients for a successful and rapid advancement of all members into multiple money streams.

 One: DCC gives each member a replicated website, with a URL for advertising - it will look like this:  http://diamondcashclub.com/xxxx   using your “business” name. We ask that you do not use this to make your sales. The Centurions will do this for you… this is absolute and no exceptions will be granted. As we work on each member’s advancement, our task must be fair and uninterrupted. If you know of someone interested in joining, send them to our webpage listed below.

Two: Your first payout (only) in Diamond will be $14,000, all other recycles in Diamond will be $8000. You must agree to re-invest $2000 back into the company. Let me explain the benefit to you… and to the team. Buying 10 new memberships allows our Team Moderator to pull yet another team member into Diamond – the same way we pulled you there. These 10 memberships however, are YOURS. You buy them, we place them, you earn the payouts from them. This is a win-win!

We will treat your 10 new memberships exactly like we did your first one – placing 2 “qualifying” sales under each, moving them in turn to Diamond so each of those new memberships will earn you another payout like your first.  You now have 10 memberships moving towards Diamond and 1 re-cycling. Ultimately you will plus this by 10 new ones when each completes the matrix.

With the Centurions on your side, wealth is inevitable.

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


September 13, 2007 – Seeking New Ants

I hear what you’re thinking: why Ants? Well give me a better example of teamwork and I’ll change my title.  They certainly are most aware of the other ants on the team, their needs and concerns. They are supportive of other team worker’s efforts and avoid conflicts while promoting harmony. Certain tasks are performed without complaint including the abundance of food brought back for the benefit of all.

Many companies are trying to incorporate this ant-strategy with workers all sharing ideas and cooperating with each other within the workweek. Some have surprising results, others have little or none.

Speaking from personal experience, I can testify to the advantages of one such success. In the business of gems, the Diamond Cash Club is a new concept of MLM; removing the flaws while keeping the huge income benefits. Within that company are several Teams… some working proficiently, others not moving forward as quickly as they could with perhaps, new leadership.

For a team to work at all, it is essential that all members use effective communication channels between one another, e.g. using email or viral announcements on the Team’s website.

This enables all team members to “be in the know” and fully understand the current task at hand, as well as what will be our next goal. Sharing is important within a team to create an environment of teamwork. Respecting the ideas of others and making necessary changes is also paramount.

Like our Ants above, the Centurions work as one to bring each team member as quickly as possible to a banquet of re-cycling wealth; $8000 over and over. Tomorrow we will explain how this feast is prepared and how you can receive your invitation.

No one leaves this table hungry.

Esther Smith, author/publisher
Centurion Team Member
http://dcc.thepermanentventure.com


September 12, 2007 – Online Social Networking

The Petersons are a family of four… husband, wife and twin girls just months away from college. Sam realizes that the expense of college tuitions will probably be followed soon afterwards by two weddings and that’s apt to give anyone a migraine. He spends every spare minute on the Internet looking for extra money.

He begins with some entrepreneurial forums, mostly reading what people with similar situations are saying. He posts a few questions and is amazed at the responses in return. Not everyone has kids ready for college, but some have serious hospital bills or an unfair divorce settlement, and one unemployed family desperately needs work.

Online Networking brings solutions to a problem just for the asking. Not all answers are do-able, but they are all sincere, considerate and offered with helpful suggestions. Among other choices Sam was introduced to the Diamond Cash Club and he looked this over with great interest.  Not one to jump into anything, he did his due diligence and then discussed his findings over dinner that night.

His wife, Amanda suggested a family project. Her office chipped in every week for a Lottery ticket with renewed anticipation. On a smaller scale, the four Petersons could chip in for the initial investment of $220. With an eventual payout of $14,000 – it would certainly be an exciting venture and… best of all, Lottery-odds are next to nil, DCC has been paying out since its inception.

Yesterday the Peterson Family Fund for tuitions and future weddings was born.

Esther Smith, entrepreneur/publisher
http://dcc.thepermanentventure.com


September 11, 2007 -- Gotta Love Those Spiders

Keywords are an important part of your writings even if it’s only a headline or a one-line description. Further, Articles or Blogs must be tightly focused on a specific niche, and all writings must have relevance.  If you pepper your posts with your niche keywords, your content will naturally rise in the Search Engines without much effort on your part. Good spider-food.

Search Engines are designed to deliver relevant content to the surfer, but also deliver the latest and freshest information available. Business Blogs have both relevance and active postings. You can deliberately train the spiders to visit more often by consistent postings with relevant material.  When spiders visit often, Search Engine rankings go up. Welcome home spiders!

People like to be connected. They like parties, lots of friends, and neighbors who care. So do Search Engine spiders except spiders do it with links.  The more relevant links you have in your Blog, the happier your users are because Blogs are built to connect people and links to each other. Inbound links are generated because they’re often from sites that have a natural relevance to your information.  Busy spiders!

While frequent postings help your marketing efforts, there is no doubt that the quality of content trumps frequency every time. Keep this formula in mind and your many subscribers will devour your information.  Hungry spiders!

Esther Smith, author/publisher
http://dcc.thepermanentventure.com


September 7, 2007 – Females Who Launch

In this twenty-first century women are not only working but taking the lead. The modern workforce has been changing at lightening speed and more than ever for the female entrepreneur. It might surprise you to learn that there are nearly 7 million female entrepreneurs in the U.S. alone.

For many of us, the option of working from home was all the push we needed to leave the nine-to-five grind, traffic jams, office politics, and the expense of new clothes. Admittedly for some the road to success has been bumpy and hard, but for others the entrepreneurial life is financially and emotionally rewarding.

Just because you’re working at home doesn’t mean that your clients have to know it. You can act and sound as if you are in a plush office with a secretary outside your glass door.  Keep your background noise to a minimum and never, ever let the kids answer your business line. As for working in your PJ’s, I would nix that because when you dress even in casual attire as if you’re headed for an office, you’d be amazed at how psychologically this makes you feel professionally ready for any problem.

For us certifiably females, a great idea could inspire us, or the excitement of taking that risk – or not taking it. Whatever your motivation, look to those who have beaten the path before you. We all ended up at the top where we can call the shots and live our lives creating our dreams.

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


September 6, 2007 – Out With the Old 

For many years now no one has restructured MLM programs even though the technique itself is fundamentally flawed. The successful few like Mary Kay and Amway have made small fortunes for many affiliates; the single reason people still look to multi-level incomes as their answer to financial independence. Admittedly, this task would not be easy.

First, we have to eliminate all those mood shots of large mansions and luxury cars, at the top of home pages; it’s like selling the fraud of impossible success to others and I would nix that. Then, they’d have to make the membership and splash pages free with no monthly fees ever. Next, design the one-time entry fee affordable for everyone.

Work it so everyone’s original investments come back to them in a reasonable time frame, and let them work towards the big payout that every MLM promises but few actually deliver. It would also be great if someone who joined and did nothing could be left behind or skipped over, so the rest of us would not be penalized for their lack of effort. Yeah, that part really needs fixing.

I need to add one last request please: give someone in the program the intelligence to realize that our biggest asset as members is each other! Suggest that if they all work as a team, each helping the other to reach the big payout, we would get there faster and all members would realize financial independence. It doesn’t sound all that hard to do.

Breaking News:  Our Company has accomplished the first part by designing a cyclic target referral system. This has broken all the conservative boundaries of any other system and matrix.  We, as members accomplished the second part by forming a team within that program to reach the target bulls-eye of financial independence in record time.

Now it hardly resembles an MLM program at all, and what’s wrong with that I ask?

Esther Smith, author/publisher
The Centurion Team of Diamond Cash Club
http://thepermanentventure.com/dcc.htm


September 5, 2007 – Judge Judy Slams Her Gavel

At once everyone does a knee jerk! Then she barks, “Pay up!” and calls for her next case. There are now six or seven television judges entertaining afternoon viewers.  Most of the cases are laughable, but whether you are claiming back rent from a tenant or child support from an ex, advertisers know its competition for the soaps.

Christina Smiley did some research and learned all those judgments on television as well as many Small Claims Court decisions are never enforced. Eighty percent of the defendants ignore their orders to “Pay up!” and plaintiffs ultimately give up the chase.

Marcus Melnick’s wife was in the hospital having their second child. He temporarily had the care of his 2 year-old for several days. His only beef was the less-than-masculine diaper bag that held all the vitals for any trip. He put on his old “tactical vest” one morning and stuffed the 16 pockets with diapers, wipes, bottles and other necessities. Ah, now that was more in his comfort zone.

Today Christina is selling her services for collecting judgments and all parties are agreeable to sharing 50% with her.  Marcus is marketing his “Tactical Daddy” vests in numerous department stores, and in case you were wondering – it’s a hit!

I’ll say it again: successful entrepreneurs are creative problem solvers.

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


September 4, 2007 – Entrepreneurial Failures

Do you find this interesting? Research says that 49% of all adults are unhappy with their work. In another study it says that 55% of all small businesses fail. I found this curious because the studies were not about the same group of adults, yet the percentages were similar.

It also begs the question that if this is so, in what areas would we excel? Well the simple answer is we excel in tasks that we enjoy and for which we have an aptitude.

The only reason that such a large percent of adults continue in jobs they hate is the paychecks at the end of the week, free weekends and other perks. While this lifestyle may be a struggle, it is endured because it is survivorship. Everyone around them shares the same dream that someday things will be better, so they don’t feel alone or the exception to the rule.

However, if we take this same struggle for the self-employed, it becomes a whole new picture. Often they do not have a weekly paycheck and weekends and holidays are not free time. The two failures of an entrepreneurial venture is lack of knowledge about the business, or insufficient funds. So let’s add a third failure: poor fit.

When the pressures of ownership are piled onto a poor business fit there is little incentive to continue. Working an unpleasant job is one thing, owning it is another. If there is no passion for the business, success is doomed. We all possess the same independence to leave the make-believe safety of employment.

Give yourself permission to consider what your passion is, and go for it.

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


September 1, 2007 – A Sensible Retirement Plan

What if your nest egg really was a nest egg? Whether your dream for a 2nd home is a cabin in the mountains, a cottage by the shore or a 3rd floor condo in your favorite resort – consider buying it now while in the prime of your earning years. Many of the retiring Baby-Boomers did just that, and their weekend getaway has become their retirement home.

If you can’t swing another mortgage payment, try renting it eleven months of the year if it’s on Hilton Head Island, or make a deal with deer hunters during hunting season to rent your cabin in the mountains. A condo at resorts can be handled by a well-qualified rental agent while blocking out your preferred weeks.

Sounds out of the question? Not really if you know how to bring this about. This country is in a mortgage slump right now, but it won’t always be so. If you have good credit and you have learned to generate ‘leveraged’ income, you are one of the few who can take advantage of property that banks would love to make a deal on.

This is just another way to get your money-making-money for you. By the time you really retire to your cabin, cottage or condo, it will be free of debt and worth many times more than what you paid. Sell the home you raised the kids in and you have the nest egg you designed years ago.

Esther Smith, author/publisher
http://thepermanentventure.com/InternetSuccess.pdf


August 29, 2007 – I’ve Heard That Song Before

Wouldn’t some good news be great for a change? Wouldn’t it be amazing to learn there is a simple and sure way to leveraged income and it won’t cost you a penny? And wouldn’t it be over the top if this meant that before the end of this year you can quit the time-for-money trap?

Payday will usually provide shelter and food for your family. This is not the American-dream; it’s the American-nightmare – stretching a fixed income while food, fuel, insurance, and health costs increase. It’s dividing families and causing serious depressions.

Gurus are coming out of the woodwork because of this. They are selling their regurgitated words in Ebooks for a not-so-small price. They show monthly statements with their million-dollar earnings, quote a dozen testimonials (real or embellished) and guarantee that if you think like a millionaire, you will be a millionaire. Each one of them has the secret. Oh lucky day!

Some sing a better song than others, but I’ve heard them all before. The good news is – I’ve done it and put it all in an Ebook that doesn’t cost you anything to read. I don’t quote any testimonials, and it’s written with no hype or BS. If you have a spare hour you can generate leveraged income the same way because I’ve dropped plenty of bread crumbs so you won’t get lost.

Leveraged income is like remote control and you will clearly see how easy it is to make money work for you. This knowledge is no different than learning to ride a bike or use a keyboard – once learned it is yours. You own the knowledge. No one can take it from you. Period.

Download your copy of “Invitation to Internet Success – Wear Your Party Pants!” today. Written in pdf format; downloadable with Adobe Reader (also free).

Esther Smith, author/publisher
http://thepermanentventure.com/InternetSuccess.pdf


August 27, 2007 – The Halo and Horn Effect 

 Here’s an entertaining yarn where you might find more truth than fiction. Because of human nature -- particularly in the workplace, we often embrace what pleases the conscious mind while ignoring all else.

Peterson was passed over for a promotion because he’s frequently late for work – it’s usually only minutes, but late nevertheless. Still, he’s a congenial fellow who produces more than the average sales. He doesn’t take those annoying coffee breaks and is groomed to the nines. It’s perplexing that Peterson can be so commendable in many areas, yet fall short of ideal.

The Director picked up the next performance evaluation; one P.T. O’Brian. Ah, yes – O’Brian! That good looking guy whose blue eyes every female wants to drown in, the guy who won the company’s best suggestion last year: a simple why didn’t I think of that improvement. It will save the company millions in the long run. He’s lucky to have a man like O’Brian in his department – in spite of petty gossip.

If you assumed O’Brian moved to a front office with a secretary stacked like Erin Brockovich, you’d be right. He inherited the Halo Effect, as did his secretary some months ago. Peterson on the other hand, unknowingly still wears his horn.

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


August 25, 2007 – The Time-For-Money Trap 

Absorb yourself in the time-for-money trap by pretending it’s the fix-all and you have cleverly created a constant distraction that prevents you from seeing how pointless it is. Realistically, you know it’s not the answer to wealth, but with everyone around you participating in this make-believe, it’s easy to ignore.

Jane Doe earns $100k per year so it would appear that she is twice as rich as John Doe who earns $50k per year.  Relative Income uses two variables, the dollar and the hours.  If Jane makes $100/year ($2000/wk for 50 wks, and works 80/hrs per week) she actually makes $25/hr.

John makes $50k per year ($1000 wk for 50 wks, and works 10 hrs per week) he actually makes $100/hr. In Relative Income, John is four times richer than Jane. Should he be happy?

We have two Americas… one privileged; the other burdened… one America that does the work, another that reaps the reward. One America that pays the taxes, another America that gets the tax breaks; hard to argue that.

Most entrepreneurs come from the nine-to-five culture for good reasons, and they would not be happy with John’s $50k per year even with his 10 hour week. The newly rich today make $5k per hour and if you ask them what they do to earn it, they might reply, “as little as possible.”

Studies tell us that today 46% of all employees hate their jobs and feel they’re treated with disrespect.  They don’t trust management and feel they are underpaid while shouldering more and more of their retirement and health benefits. Behaviors of individuals are, to a large extent, dictated by the roles they are asked to assume.

 Small wonder employees stop caring, stop producing and start looking for other opportunities.

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


August 24, 2007 – Preview Your Life

Start by looking at friends, family or fellow employees who are fifteen to twenty years ahead of you but on the same track.

Are they content with “merit raises” each year? Or have some been promoted to Director of Sales, or Assistant to the Marketing Director? If so, take a few minutes to study their faces, watch their body language, or listen to their conversations.

Do you see stress? Do you hear them speak of being out of money before they are out of month? Do you sense that their family life is happy or strained? I did exactly this preview of my own life some years back and it scared the hell out of me. I thought of hamsters that spend their lives running in place and knew I had to make some changes.

Uncertainty and the prospect of failure can be those scary noises in the shadows. Like most people I chose unhappiness over uncertainty. I had firepower up the wazoo but no trigger finger and my boss knew it.

So I began to read every entrepreneur who had written a book, and attended all-you-can-eat information buffets given by dozens of gurus. I was told I would surely stumble, that failure will stalk me like a predator, and that the problems would be all mine to solve.

I took copious notes and ate every word like a starved prisoner. They taught me Relative Income vs Absolute Income. And answered the question is a dollar – a dollar? The rich don’t think so. And most importantly, they taught me not to save it all for the end.

There is every reason not to.

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


August 18, 2007 – The Serial Entrepreneur

Ever feel like you were born at the wrong time?

Today there are a growing number of thirty-something, and they have put new meaning to the phrase: if you can generate a large sum of money once, you can do it again. Further, they know what they want and it’s not 15-30 years of soul-crushing work accepted as the default path to retirement.

Most do favor Universities to learn the basics of entrepreneurial strategies, profit and loss, and the benefits of foreign exchange currency. Some drop out before graduation and while they may not have a bank account to draw on, they have a credit card. They are willing to risk it all – which to them, is nothing.

Five thousand dollars will set up a website; a perfect start for anybody who wants to start a business. Safe to say people buy what they want, not what they need. Our serial entrepreneur, Sam, knows it is way too much work to create the “want” for a product. Instead, he finds the “want” and creates a product for it. With proper marketing this virtually guarantees success.

There are two huge “wants” that he saw: weight loss and nutritional supplements. He could outsource a product from China, rename it, and viola – as soon as the ads hit the Internet momentum his site grew steadily to forty-grand a month. 

Simple - yes. Can you do it? Sure. But Sam’s recipe for a luxury lifestyle was - time, income, and mobility. So far he only had the income. A year later he was offered a buyout and he accepted with a smile. He took a long respite and began again.

When is the right time to “risk it all” -- quit the job or quit the studies? The stars are not going to align themselves in a perfect answer any more than all the traffic lights will be green tonight on your way home from your cubicle.

Sometimes the bottleneck in our life is ourselves.

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


August 17, 2007 – Be Careful What You Wish For

Here’s a good lesson that I offer from my own history… I always wanted to open a Restaurant – not just any ole kind, but one that had excellent food, the best live entertainment with repeat customers who turned into close friends.

Well I did it. I worked 17 hours a day, interviewed the dance bands, hired and fired all employees, booked banquets and wrote my own publicity ads.

Meanwhile, my bartender was exchanging scotch for sirloins with the chef and the cashier’s family ate free. Competition in town called in a bomb scare in the middle of lunch hour that resulted in a false alarm but another big dollar loss. When I sat down with my night manager to inform him that so-and-so was stealing, he shrugged and replied: yeah, but it’s always within reason.

This was my reality check. It’s when I realized I was really quite ordinary.

So before you start worrying about what product or service you are going to sell, you should sit down and decide exactly the kind of life you want to live.  Do you want to work from home and spend more time with the family? Do you want extended vacations without worrying that someone else is running your business? Are you into golf, tennis or skin diving?

Decide what you want to do, and don’t want to do. Then -- design your business so it fits your lifestyle.

Many times I speak with people who have their own businesses, but they’re trapped by them, like I was. They don’t run the business – the business runs them.

Begin with the biggest focus on your life. Mistakes are costly – believe me, I know

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


August 16, 2007 – Living Debt Free 

Something has sucked up the American dream and spit it back out, and it’s not a pretty picture.  We are all suffering the big hangover from two years of spending more than we earned. The size of this borrowing binge has not happened since the Great Depression.

Credit Card interest is topping off because most holders have neared the limit on their cards, and banks have been waiting to use all the small print we never bothered to read. The average household owes $9,900 on credit cards at 15% interest… or  worse.

We bought homes, filled the garage with new cars that play DVDs and have seats that warm our butts in winter. Our recent Island trip hasn’t been paid for and the twins are in college on student loans. What went wrong?

What most families in America needs today is a Tooth Fairy; a windfall that can smack down a jumbo payment on that Visa card or car loan.

Our family was just visited by what I fondly call the Tooth Fairy – a program that we joined two months ago and has delivered its first reward of $8000.  Yup, we wiped out 100% of our Visa payment.

Will it return again with another $8000; short answer is - yes. Will it go on forever? Realistically - nothing is forever, but many members have been visited more than once. Membership’s on fire so there’s no reason to be anything but optimistic. The more households that need a quick fix, the more windfalls we will enjoy. 

Esther Smith, author/publisher
http://thepermanentventure.com/dcc.htm


August 15, 2007 –  Management Position Available 

Before entering my neighborhood video store, I passed two workers outside the door smoking cigarettes. It’s getting more and more usual these days.

I was fifth in line with my selection and it seemed the only other help was still outside the door. The manager was trying to make his customer understand their “refund” policy, while the rest of us patiently waited.

I always considered the position of “manager” to be an abusive one.  Most of my experience with this level of employment has been in restaurants, but I would consider video store management on that level also.

Managing people is harder than ever today. You have to do more with a lot less. Employees disagree openly and will not work hard for vague promises of long-term rewards. You must measure performance constantly, correct failure quickly and compliment success even more quickly. Extra shifts are not uncommon; absenteeism is yours to fill.

Managing is a sacred responsibility. It is your job alone to make sure the work is done well, done fast, and done everyday.  If a problem arises it’s all yours to solve.

Squeezed between the employees under you and a Supervisor over you, forget any fair play in either direction.  If you run a perfect ship and make your Super proud, you won’t be rewarded with a bonus or an early promotion. If you are brassy enough to ask why, you’ll get their tidy reply: if we did that for you, we’d have to do it for everyone.

Esther Smith, author/publisher and escapee