"Everybody complains about the weather, but nobody ever does anything about it." This quip from Mark Twain, one of my personal favorite authors, can be applied to the equally dull topic of time management. Everybody complains about not having enough time when we've all got the same 24 hours in a day. What's that you say? Did I hear the sound of churlish groaning from the peanut gallery? Well, friend, I'm going to address this topic with you for one very real and compelling reason. You have heard it said that time is money, and indeed that is a good reason to give this topic our occasional and very necessary attention. Any Big Spender on a Budget would do well to aptly manage both time and money.

However the ticking of the hands on the clock - or the transmogrifying of the digits on your laptop, or whatever chronometer you happen to be using these days - can be likened to the wise words at the beginning of one of the oldest soap operas goin'. "Like sands through the hourglass, these are the Days of our Lives." Everybody's heard that one... because it's true!

See, time is much more valuable to you and me than money is. Time is life. You can always get more money, but the time of your life is more precious than gold. If you're wasting your days on a job that doesn't mean anything to you, coming home at night to mindless drivel on the TV set and filling your gullet with frozen pizza, you're squandering a precious gift. At the same time, plotting out your life with a calendar and a stopwatch with all the discipline of a fascist soldier is hardly the way to be, either. With both time and money, the miserly touch never brought much of a smile to anybody's punum, and it could wind up leaving you wondering more often than not what the point might be of this biological exercise we call life. You gotta strike a balance. With that in mind, I bring you...

3 Easy Ways To Gain 10 Hours A Week

1. Eliminate

A friend of mine shows up for work more than half an hour early, but he complains he never has time to do the things he really wants to do - to work on his big dreams. I gotta hand it to him. He's a great employee, but he's not getting any closer to building that business he keeps talkin' about. This is nearly three hours a week he spends just waitin' around to clock in. Add to that about five to ten hours of driving a week, and his pay for forty hours of work is cut by more than 20%.

Eliminate the things in your life that are costing you - things like waiting, excessive commuting, and talking to people who bring you down. Also eliminate the things that you do like watching TV to "kill time". I can't think of a more horrifying crime than chronocide, so you can cut that out right now.

2. Automate

Are you still taking time out of your busy schedule to write checks? There's a big time waster right there. If you have any qualm about paying your bills online, think of it this way: if the online security is good enough for your bank, it has got to be good enough for you. By paying your bills online, you also sidestep the time expenditure involved in buying stamps and mailing your bills. Online bill payment is just one way to automate the tasks in your life, and it's one good example I can offer you. Using an electronic scheduler on your computer or phone will also keep you on track and actually save you time by eliminating missed opportunities, time on the phone rescheduling, and a host of other bumbles you won't have to make up for. Use your noggin - I bet you'll think o' some more ways to automate your daily pattern.

You can also bundle certain tasks together, do them ahead of time and save yourself loads of prep time. Think about the time you spend in the kitchen. (Yeah, fellas, I mean you too. Sheesh.) It takes no more time to make 4 servings of a tasty dish than it does to make 2, and you can pack that extra linguine for lunch. A little extra clam sauce, a dash of romano, a slice o' garlic bread - now you're talkin'. Sure beats heck out o' the burger mill, it's faster and a lot cheaper. This is what it means to live like a fat cat, even if you are on a money diet.

3. Delegate

This one has got to be my favorite. Figure out in real terms how much your time is worth, and set a threshold of so much per hour. For you personally it might be fifteen or fifty bucks an hour. For some lucky folks, it could be a hundred. Whatever it is,  forbid yourself to do a task if you can hire somebody else to do it for below that threshold - laundry, handy stuff around the house, basic bookkeeping, cleaning - you get the idea. Think you don't have the simoleons for a personal assistant? Delegate it to your kids. Don't have kids? Bribe the kids down the block. No man is an island - you got plenty of folks you can ask for help, and they'll be glad of the extra pocket change. The hardest task for some folks, however, is letting go. So be strong about it - just give over and delegate it.

Nobody said you had to do everything or do it all by yourself. Go on - live a little. You've only got one shot at this life thing, so suck the juice out of it. It's about Time. ...Yeah, like that.

For more great ideas on running your Home Life, click on over to SectorMatic Money Site at www.SectorMatic.com/homelife.html. It's for you!

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

I had this crazy dream I was riding in a limo with Tony Robbins. If you don't know who Tony Robbins is, allow me to refresh your memory, for it is sure that you have been exposed to his ubiquitous brand of Personal Development before. I ain't makin' this stuff up. Tony Robbins is arguably the most effective, most famous motivational speaker and self-help author in the world. He's got the thing dialed, complete with teaching folks how to walk on fire... and not get burned. See, that's the important part. Anybody can walk on fire, but it's the not-getting-burned part that makes the difference. His insurance rates must be astronomical. Wouldn't ya think so? I'm just sayin'.

At 6'7" and with the finest patter goin' on the topic of Neuro Linguistic Programming (NLP), also known as Getting Over Yourself, the guy has earned the right to pen books such as his first megahit Unlimited Power back in the late '80s and my own favorite from the early '90s called Awaken the Giant Within. It is virtually impossible to be exposed to his work and not feel better about bein' in the skin you're in. I gotta say I like the guy.

So there I was in this crazy dream, telling Tony Robbins about myself and makin' a play for ridin' his coattails, something like being a warm up act for his workshops, and he was buyin' it! Now mind you, I felt a little uneasy about traveling in a limo. You know me - I'm all about living like a fat cat, even if you are on a money diet, but this was ridiculous. I've never been one for show. However it was Tony's limo, Tony's driver, and it was all part o' the package. You want to get Tony Robbins' ear, you gotta be at his elbow, as it were. Such was my somnolent wisdom.

"Who's Responsible? It Can't Be Me - I'm Irresponsible"

One of the things I prize about self improvement and the topic of Personal Development generally is that the fundamental tenet is accountability for your own actions. The notion that you are responsible for every result in your life says somethin' to me, and it's liberating, really. If I'm responsible for the stuff I don't like, I have the power to fix it. That was another thing in my dream that bugged me - having this limo driver take us around seemed to dilute not only my personal power but that of Tony Robbins as well. What was that guy thinkin'?

Therefore you can imagine my frame of mind as there came a point in my dream when the limo driver turned his head to the left momentarily in an absent minded gesture and continued driving in a forward direction, plunging the car off the edge of a cliff about a mile high.

I would like to point out at this juncture that at no time have I referred to this episode in the arms of Morpheus as a nightmare. No, that would imply feelings of victimization, hopelessness and general despair. That ain't anywhere near what I had goin' on at the time. I gotta tell ya, the feeling I had as my stomach lifted into my rib cage at the peak o' that plummet was a sense of expectation. There was first the grim realization of impending splatitude, which I immediately rejected as a viable outcome of this incident. There simply had to be an alternative result. And so it was, with a mile to go before reaching the canyon bottom, that I sat next to Tony Robbins and behind his limo driver thinkin', "Somebody has sure screwed this thing up." With ample time on our descent, I considered that rectification was still possible, albeit the situation required nothing less than a miracle from On High. That indeed was not my department, but that in itself is the sense of expectation I have previously referred to - the idea that I was meant for a better exit than this, and I had a lot more work to do in the name of the public good. Swift action was required, and I expected a miracle. Either I'd have to grow wings, or Somebody would have to fix this another way.

Upon Further Review...

So it was that I awoke from this dream, leaving Tony Robbins (with great apology) in the precarious position of plummeting toward swift and certain evisceration at the hands of his limo driver. I had the pervading sense - the realization, if you will, or even the big Ah Ha - that no amount of Personal Development can save you in times of disaster when action itself is the only answer. Only swift and miraculous activity will help, and a little prudent discrimination beforehand is often the best policy.

Now, I gotta ask you... what personal power are you giving away today? What area of your financial life are you unwisely leaving in the control of others? I'll give you a tip: The way out is the way in. You made your choices; you can choose again. If you find that someone else is holding the reins of your good fortune, identify for yourself how to take them back. Make a plan of action, and take the first step. When you've done that, take the second step, and then the third. Stay on the path. Even if you've accidentally stumbled over a cliff, you'll undoubtedly grow wings on the way down. Aphids do as much for their own self-preservation, and angels do as much because they can. Why not you? ...Yeah like that.

For more great ideas on running your financial life, click on over to SectorMatic Money Site at www.SectorMatic.com/finance.html. It's for you!

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

"Collect 'em all, and win!" You've heard that line before. Are you the type that picks up pennies off the pavement? Most folks these days are likely to do just that - even if they're too bashful to admit it. Some folks say a penny doesn't go a long way, but your online broker just might disagree with you. If you put enough of 'em together, you can definitely ring the bell and win a prize.

What I'm talkin' about here is online stock trading, winning the big prize through the humble penny. Investing in penny stocks gives folks the opportunity to dramatically increase their profits in online trading. However, any form of stock trading also provides an equal opportunity for you to lose your trading capital (uh... read as "shirt") quickly. These 5 tips will help you lower the risk of one of the riskiest investment vehicles in stock trading. If you doubt my word, just ask your online broker. You can find a good one with the folks over at Firstrade. These guys are real pros. What I like about 'em is you can get live support at http://www.firstrade.com/public/en_us/support/livechat before you even join. (You know me and that word "free" - we go together like hand in glove.) If you're new to online trading, you just gotta love these guys. And in case you were wondering, penny stock orders are also accepted, unlike some houses. Okay, here we go with my 5 tips...

1. Penny Stocks Are A Penny For A Reason

While we all have fond dreams of investing in the next Microsoft or maybe Home Depot, the truth is, the odds of you finding that once in a decade stock trading success story are slim. Companies traded as penny stocks are either just starting out and purchased a shell company because it was cheaper than an IPO, or they simply do not have a business plan compelling enough to justify an investment banker's money for an IPO. This doesn't make them a bad investment, but it should inspire you to be realistic about the kind of company that you are investing your hard earned cash in.

2. Trading Volumes

If you're thinking about investing in penny stocks, look for a consistent high volume of shares being traded. I'll say it til I'm blue in the face: do your due dilligence, and any stock broker worth his salt will agree with me. Looking at the average volume can be misleading. If ABC trades 1 million shares today, and doesn't trade for the rest of the week, the daily average will appear to be 200,000 shares. In order to get in and out at an acceptable rate of return, you need consistent volume. Also look at the number of trades per day. Is it one insider selling or buying? Liquidity should be the first thing that you take a look at. If there is no volume, you will end up holding "dead money," where the only way of selling shares is to dump the bid, which will put more selling pressure, resulting in an even lower sell price.

3. Does the Company Know How To Make A Profit?

While it ain't unusual to see a start up company run at a loss, its important to look at why they are losing money. Is it manageable? Will they have to hunt up more financing (resulting in dilution of your shares) or will they have to seek a joint partnership that favors the other company? The opporunities for compromise abound - again, when in doubt, check with your online broker.(Again, the folks at Firstrade can help you out with this at www.Firstrade.com. If your company knows how to make a profit, the company can use that money to grow their business, which increases shareholder value. You have to do some research to find these companies, but when you do, you lower the risk of a loss of your capital, and increase the odds of a much higher return.

4. Have An Entry & Exit Plan - and Stick To It

Penny stocks are volitile. They quickly move up, and move down just as fast. Remember, if you buy a stock at $0.10 and sell it at $0.12, that represents a 20% return on your investment. A 2 cent decline leaves you with a 20% loss. Many stocks trade in this range on a daily basis. If your investment capital is $10,000, a 20% loss is a $2000 loss. Do this 5 times and you're out of money. Keep your stops close. If you get stopped out, move on to the next opportunity. The market is telling you something, and whether you want to admit it or not, its usually best to listen.  If your plan was to sell at $0.12 and it jumps to $0.13, either take the 30% gain, or better still, place your stop at $0.12. Lock in your profits while not capping the upside potential. You can get more gems like this for free from the FAQ at Firstrade.

5. How Did You Find Out About the Stock?

Most folks find out about penny stocks through a mailing list, stock promoter or a broker. There are many excellent penny stock newsletters, however, there are just as many that are "pumping and dumping," if you know what I mean, and I think you do. They, along with insiders, will load up on shares, then begin to pump the company to unsuspecting newsletter subscribers. These subscribers buy while insiders are selling. Guess who wins here. Not all newsletters are bad. I have seen my share of unscrupulous companies and promoters. Some are paid in shares, sometimes in restricted shares (an agreement whereby the shares cannot be sold for a predetermined period of time), others in cash.  How to spot the good companies from the bad? Simply subscribe, and track the investments. 

A Penny For Your Thoughts

One other tip I would offer to you is not to invest more than 20% of your overall portfolio in penny stocks. As I said, any form of stock trading is risky business - no relation to the Tom Cruise movie, of course. You are investing to make money and preserve capital so you can live like a fat cat, even if you're on a money diet. The object is to make money. If you put too much of your capital at risk, you increase the odds of losing your capital. If that 20% grows, you'll have more than enough money to make a healthy rate of return. Penny stocks are risky to begin with, so if you choose to enter the fray, play it safe. Ask the folks at Firstrade at www.Firstrade.com what they think about penny stocks. Oh, and uh, tell 'em Jack sent you. ...Yeah, like that.

For more tips on manging your money, check out SectorMatic Money Site. With literally THOUSANDS OF ARTICLES and A WORLD OF PRODUCTS, your chances for genuine happiness are rapidly approaching the infinite. Hey, we aim to please. SectorMatic - it's for you!

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber, you should thank the person who gave you the hook up. They've done you a marvelous service. But it's up to you to keep the hits coming. We'd love to have you aboard. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

With gold prices consistently increasing over the last 5 years, gold is certainly a brilliant investment. The price of gold surpasses $1000 an ounce and it is still one of the worlds greatest bargains. World economies have been off the gold standard now for over 35 years, ever since Richard Nixon unpegged the US dollar from the Gold Standard as a means of surreptitiously stimulating the sagging economy of the time. Adhering to the Gold Standard, the medium of exchange backed by gold, forced politicians and bankers to be accountable. Money today is not based on anything tangible or of intrinsic value. It has only a perceived value at whatever level skittish traders and speculators say it is.

As the unmasking of the great deception accelerates, countries with manageable debt and natural resources will see their currencies decline slower in relation to the US dollar, but all currencies will decline in relation to, you guessed it, gold. Like any expanding bubble, there comes a point where it can expand no more, and the subsequent resizing is shockingly fast. When push comes to shove, paper and electronic blips won't cut it. The age old measure of real value, gold, will be what carries the clout.

Americans in particular now owe far more money to far more people than realistically can be paid back.  If you yourself are in this position, check SectorMatic Money Site's debt relief sector for more on that topic. Bigger houses, newer cars, more electronic gadgets and a smug attitude to go with it all spells debt. The U.S. government has borrowed more money from foreigners in the last eight years than all previous administrations since the time of George Washington. Consider the fact, that despite a flat or even negative earnings picture in overall stocks in recent years, and the case for gold is even more solid. It will be the minority of savvy and erudite investors who shed themselves of the attractive burdens they have accumulated and put at least some of what is still marketable into gold. It will be the shrewd and brave who have the resources in the form of universally accepted coin, gold, to live reasonably well during any shakeout to come because gold tends to move in the opposite direction of paper investments. These are among the reasons why gold is going up more, no doubt, a whole lot more. Owning gold bullion or gold coins is decidedly a happy thought.

In making your play for gold investment, it stands to reason that convenience and reliability are factors in the gold-buying game. I recently brushed up against Gold Coins Gain, an L.A.-based company that deals in the trade of gold coins from around the world. Their list of countries represented reads like a Who's Who at the United Nations. They also market gold boullion to the private investor, along with various precious metals of the investment type - not a bad resource for a would-be fat cat. What's even better is that this company offers a free Getting Started Guide. As you may already know about me, "free" is a word I highly recommend, and quality information from the pros is a necessary ingredient in the success of any investment. To get your guide, click on over to see the folks at Gold Coins Gain at www.GoldCoinsGain.com/gold-bullion-coins.html.

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,

Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

The Loch Ness monster is real - uh, that is to say, it's a real myth. For true believers, the date of note is 1933. That's the year that Nessie's most famous photo - her head and neck rising above the surface of the water - was taken by a doctor on vacation. It's called "The Surgeon's Photo" since the guy who took it didn't want his name publicized. Can you imagine? For skeptics, the date to remember is 1994. That's when the photo was proved through photographic analysis to be... well, perhaps just wishful thinking. The scientific community regards the Loch Ness Monster as a modern-day myth. Interest and belief in the Loch Ness Monster have fluctuated widely since she was brought to the world's attention. Maybe like the surgeon who took her photo, she just doesn't want to be famous.

Cryptozoological tales are not the only myths you should concern yourself with. There are a lot of questionable ideas floating around about the best way to buy a used vehicle. "But Jack," I hear you say, "Wouldn't I be better off buying a new car instead of a used one?" My point exactly. The very fact that you would find it necessary to ask this question brings us to Myth #1 about you and your new car. When I say "new," of course, I mean "new to you." In spite of the U.S. Government's recent porkfest called the Cash For Clunkers rebate program (which cost taxpayers an additional 50 cents for every dollar the government gave away to certain new car buyers), buying a new car is quite possibly the third worst thing you can do with your money. I would have to say, in my sober and subjective opinion, that gambling is the second worst thing you can do with it, and the absolute worst thing you can do with your your hard earned cash is to stand on the street corner and set hundred dollar bills on fire. But I digress.

So when your average monthly car maintenance bill is greater than the price of a car payment, it's time to move on. Buying a used car is the only way to go, for one simple reason. Buying a brand new car means that when the dealer hands you the keys, you have performed the virtual equivalent of standing on the street corner and setting hundred dollar bills on fire. The moment you drive that baby off the lot you've lost thousands upon thousands of dollars in value. Like that new car smell? It comes in a bottle at the car wash for $6.95. Splurge.

I Didn't Want A Rolls Royce Anyway

Aside from the myth that buying a brand new car is a good idea, there are other myths that a big spender on a budget must be wary of. One such myth is the idea that buying a used car with a reputation for quality will mean less maintenance during the life of the car. However, any used car is only a good buy if the previous owner properly maintained said vehicle. Again, I submit to you that appearances do not necessarily equate to fact. (I refer you to paragraph 1 of this post.) I know a guy, a car salesman, who asserts that Rolls Royce, while possessing a fine reputation, is built with Lucas electronics - a brand notorious for its lack of reliability. Sooner or later, if you buy a car for reputation alone, you might have a major headache on your hands in short order. Don't be lazy, do your homework.

On the subject of record keeping, you are no doubt already aware that many a myth has been told about a car's desirability in order to sell it. Let's take a look at a couple of tools you can use to do a little digging into the background of the vehicle that is your heart's desire. The federal government has set up the National Motor Vehicle Title Information System (NMVTIS) at www.NMVTIS.gov to track totaled vehicles and prevent their resale. Currently, 28 state motor-vehicle agencies participate or contribute to NMVTIS, and others are working toward participation. All states are required to be fully on board by Jan. 1, 2010.  Another tool you can use is Carfax at www.Carfax.com which may not be free, but it has proved reliable in producing information about a given car. Reports include title problems, accident, flooding, ownership history, mileage, air bags deployed, and a host of other handy data.

Whether you go through a dealer or a private party, buying anything used comes with a risk. Still, the judicious purchase of a reliable used vehicle can have the effect of transforming your wallet and even your life. It's no myth that taking the time to do a little homework can pay big dividends - money that you could use on your next trip to, oh, maybe, Loch Ness. ...Yeah, like that.

For more great tips on buying a used car, along with consumer interest rates and gas prices, click on over to SectorMatic Money Site at www.SectorMatic.com/car-buying. It's for you!

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

When it comes to the Game of Life, you simply can't get ahead by cheating. You gotta maintain a certain presence o' mind about the choices you make, or they just might come back to bite you in a place better used for sitting. Be clear from the get-go about who you are, and your choices will take care of themselves.

Of Bad Checks and Beauty Operators

When I was growin' up, I had this aunt - Aunt Myrtle - who'd been strangely absent during my formative years. At the time of her introduction into my young life, I was nigh onto double digits in age and I'd already formed some ideas of my own about who I was and where I was headed. That's why I was so flumoxed when she pulled me aside one day with a morsel of information and a glint in her eye that resembled pride of accomplishment. I listened intently, though I didn't have the smallest idea what to make of her imparting this wisdom to me.

One reason for Aunt Myrtle's involuntary absence from my sphere in early childhood was that she was learning a trade, one better suited to society than her previous engagement as a conscript in a forgery ring with some wise guys. For years after the day Myrtle ratted out her boss, she studied and plied the trade of Beauty Operator within the confines of a federal penitentiary. I was blissfully unaware of her existence until my tenth year in life. Delightful woman. A tad on the mysterious side, though, and always wearing an impish grin beneath her stiffly varnished hair.

So it was that she was wearing this self-same grin when she pulled me aside and passed on what would turn out to be her legacy to me. Aunt Myrtle laid out in great detail the means of stealing somebody's identity, getting a fake ID including a birth certficate, and leading a double life. I swear to you, I could write a book on the topic and sell it for a considerable sum, if I were so inclined, which I imagine you know I am not. In those days, the process was a bit more involved and time consuming than it is now. Today lifting somebody's private information takes a matter o' minutes, according to folks in the know. Either way, I contend that having the knowledge about how to invade somebody's private life and clone their profile is immaterial in the face of the knowledge of who you are.

The topic of identity protection happens to be somethin' I know somethin' about as well, through an arrangement I have with a certain company that insures folks from this nefarious deed, the greatest white collar crime in the history of the planet. A lot o' folks would have you believe it's a new phenomenon. Far from it - as I've demonstrated through divulging an unflattering portrait of my own kin-in-law. I am an avid supporter of doin' the right thing, and I compulsively go out o' my way to enforce this righteously indignant credo.

Promoting Justice Through Illicit Means

So, here's the thing. The topic of identity integrity came up for me today when I searched the Internet for some information on a private venture I'm involved in, and I happened to find that an article I wrote had reached the top o' the charts. Google placed this post at No. 3, one o' the most coveted accomplishments a body can achieve. The problem, however, was that some guy had taken my name off the article and replaced it with his own, removed all links referring to my good works, and thereby voided my own enjoyment of said coveted position No. 3 on Google.

What was even more astonishing is that this guy - quite successful, by all review - had performed this blatant act of plagiarism in the name of promoting my venture partner, the identity theft protection carrier. He'd broken federal law to promote a legal services company.  When I pointed out to the lad that promoting justice cannot be achieved by illicit means, he got my drift and pulled the article immediately. Though the guy was quick on the draw once the error was pointed out to him through somewhat forceful words, I think it's safe for me to make the assertion that this guy lacked a certain presence of mind to begin with.

In the Game of Life, it's my own subjective opinion that unless you fully commit to being your best self, you'll never get ahead. "Must be present to win." Ask my Aunt Myrtle, may she rest in peace. She proved for me at a tender age that whatever you call yourself, there's just no hiding from the guy in the mirror. Yet you can shield yourself from the ones who would walk on shady side of the street. To get more information about protecting your identity and covering your own assets, head on over to this site offered by the fine folks at Kroll Worldwide and Pre-Paid Legal Services, Inc.: www.PrePaidLegal.com/hub/oliviah_8. Why become informed, you may ask? Well, frankly, some would disagree with me here, but I say you just never can tell about your in-laws. ...Yeah, like that!

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

Quick Cash Guide - 

FREE OFFER Extended by Popular Demand!

Since the economy went sideways about this time last year, there's been a well documented rise in the number of folks pokin' around on the Intnernet hunting up cash-extending opportunities. At the same time, the availability of low-cost merchandise to sell for solid profits on eBay has EXPLODED due to the number of store bankruptcies, close-outs, overstock, and rock-bottom prices.

This is what's known on the street as a "perfect storm," and it means that anybody savvy enough to find reliable sources for liquidated inventory -- and know how to market it effectively on eBay -- should be sittin' in the catbird seat! And that's EXACTLY what our eBay experts will teach you in our special FREE offer, How To Really Make A Full Time Living on eBay.

Let's Be Frank & Earnest...

Earlier in the year, eBay took a lot o' heat for its plans to become a major player in the online retail market.  After some negative press and a brand as the Dark Horse online, eBay has returned to its roots as an auction site.

And that means that sellers who get in NOW will be in the perfect position to take advantage of the improved selling environment and beat their slower moving competitors to the punch.

Just imagine how easy it will be to line your pockets with extra cash, or even give your day job the boot with your own steady stream of eBay profits. After all, there's no investment here - we're giving it away! It's a known fact that eBay has a massive audience of over 87 MILLION monthly shoppers, and those guys spend a whopping $4 BILLION a month! Get over yourself - this thing's a winner.

So if you're one of the many folks lookin' for a business opportunity that's easy to set up, has minimal risk, and lets you spend as little -- or as MUCH -- time as you want working on it, then eBay is definitely the place for you to be!

Get the Goods Here

It was 72 hours ago that we first offered you this limited time offer. Frankly, we logged on to pull the product. But when we saw the response, we decided to give it a go for just a little longer. But don't delay - we won't keep this goin' forever!
We're giving away this great guide for making quick cash. It's called How To Really Make A Full Time Living on eBay. Anybody can make quick cash by selling on eBay, and this guide shows you how, step by step. You could even turn a spare time hobby into a full time home business. It ain't rocket science, and it just could make all the difference. During this special 3-day offer, it's free to you and your friends. No tricks, no gimmicks, just good dollars and sense. Download your free copy now. SectorMatic Money Site - it's for you! ...Yeah, like that.

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

Consumer interest rates are down, the S&P 500 is up overall on the year, and yet the dollar is... well, it's seen better days. Seems like it doesn't go as far as it used to. All the charts and graphs support what you and I know in our guts. I have this pal in Manhattan, Joey, who writes for a living - or something like it. Joey and I have been down a lot o' roads together, and even a couple of dark alleys.  Frankly times have been tight and his anxiety level's been high, giving him ghostly visions that woulda made even ol' MacBeth queasy. Here's what Joey told me about one recent dream.

Jimmy Cagney & the Truth In Dreams 

Joey was daring the spotlights that were scanning the warehouse where he was holed up. Like an old Jimmy Cagney movie, his black suit was dusty, his white shirt was open, and he had a bottle of whiskey beside him from which he took the occasional reinforcement. He took a quick look out the window at the crowd below, and shouted, “Never, you dirty, rotten bill collectors!” Then he ducked back to the haven beneath the sill.

“Joey, do you hear me?” a Verizon customer service rep hissed through a bullhorn. “This is Verizon. Your record stinks. We're giving you a final disconnect notice.”

“Already?” Joey replied, and looked down at the pile of bills scattered on the floor. “I have your bill right here,” he yelled out the window. “It’s only fifteen days overdue. Don’t I get a month or two before you disconnect my service?”

Just then a cop in the crowd lifted his own bullhorn. “Joey, this is Officer O’Hara. Come out with your checkbook open – or else!”

“Or else what, you dirty, stinkin’ copper?” Joey shouted back. A Citibank customer service rep was poised to make demand, but at that moment, a man from Con Ed grabbed the bullhorn. “Joey, do you know who this is? It's Con Ed.”

“What are you doin’ here?” Joey pulled on the whiskey bottle.

“You know as well as I do. Your electric bill is behind.”

“Behind?” Joey replied. “I’ll give you behind!” And with that, he mooned the crowd.

“Watch it, kid,” Officer O’Hara called through his bullhorn. “That’s indecent exposure. You could end up in the pen.”

"At least I wouldn't have to worry about my three hots and a cot," he shot back.

A lawyer, who had been unaccustomedly silent until now, reached for the bullhorn. “Joey, I’m a lawyer and I have an eviction notice from your landlord. You gotta vacate the premises in three days from the service of this notice, which I'm doing right now.” Then he tied the notice to a rock and hurled it through the warehouse window. “Read it and weep!”

Joey was showered with glass. “I need time,” he pleaded. “Don't ya see? There’s a check in the mail. I sold an article to Travel & Leisure Magazine. They owe me almost three grand.”

The crowd burst into peals of laughter, “Not that sorry tale again!”

"Seriously! Accounting told me they mailed it last Tuesday."

“It's in the mail?” the lawyer said with a cynical glance. A hushed murmur rose up. “No dice, kid. What kind of chumps do you think we are?” Just then a horn trumpeted like a bugle from the 5th Cavalry, and the mail truck drove up. The crowd turned toward this late arrival. The mailman jumped out, proudly holding up a white envelope. He called up to the warehouse. “I got your check right here, Joey.”

“Did you hear that, you dirty rats?” Joey called back, and stood up, dusting himself off. “I got the check.”

The lawyer stepped up and studied it. “It’s from Travel & Leisure all right, and, from the look of it, I’d say it’s definitely a check!”

A hubbub rippled through the multitude. Joey walked out of the building, a free man and made his way through the crowd. He reached out to the mailman and took the check, shaking the civil servant's hand. “Thanks, buddy.” He tore it open and kissed the little piece of paper that had just saved him from a fate worse than death. The crowd cheered, and his conscience eased. "There's no place like home," he murmured as his slumber transported him into a very different classic movie. With that, Joey smiled and slipped into a much more peaceful sleep.
 

Free Quick Cash Guide - Limited Time Offer

During the next 72 hours, we're giving away a great guide for making quick cash. It's called How To Make A Full Time Living on eBay. Anybody can make quick cash by selling on eBay, and this guide shows you how, step by step. You could even turn a spare time hobby into a full time home business. It ain't rocket science, and it just could make all the difference. During this special 3-day offer, it's free to you and your friends. No tricks, no gimmicks, just good dollars and sense. Download your free copy now. SectorMatic Money Site - it's for you! ...Yeah, like that.

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

I just had an unfortunate reminder through the national media that in spite of recent upward trends, certain pressing conditions remain that require my comment. There's a lot of crazy stuff going on right now that you can read about in Today's News, and it is awful.

For instance, people out of a job are resorting to wacky methods of gaining some quick cash, things that could give them just a little more security than they're looking for - like Maximum Security. It's a reflection of these tough economic times, and the constant news about the rise in crime and abundant general misfortune can really bring you down. In fact, it can be downright debilitating if you let it.

So what do you do when it looks like the world's going a little cuckoo? Keep your eyes on your own paper. You know what I mean: mind your own business. If you're looking at how desperate other people are, you're not likely to keep an optimistic attitude. So turn off the news a little earlier and turn on your faith in humanity... your faith in yourself. Do those little things that keep your inner light shining, and count the number of things that are going right. It's like when you're behind the wheel of a car - you're always going where you're looking. So look up. You'll be amazed how far a decision like that will take you.

3 Things You Can Hold Onto

Sometimes when things look tough, it can feel like you've got rope burns on the palms of your hands. When it seems like that knot's getting pretty frayed, there are a lot of things you can do to keep yourself in line and living like a fat cat. Here are 3 of them.

   1. Set Goals - Now, some people think goal setting is a lengthy process, something that's maybe 6 weeks to get through, or requires some goal setting manual that weighs like a brick. Nevermind all that. Just write down 3 to 5 things you really, really want in the next 3 months. Put a date on it. Take a look at your list a few times a day. Your activity will pull you toward reaching these goals and carry you over any bumps in the road along the way.
   2. Have A Reason Why - Give yourself a motivating force to drive your activity. It's not enough to say you want two million dollars. Know clearly what you intend to do with it, and let this reason stir you inside. When you're hungry enough for it, you'll find a way to get it.
   3. Diversify Your Source of Power - Don't put all your eggs in one basket. Have more than one job skill. Speak more than one language. Invest in more than one financial vehicle. Enjoy more than one hobby. Even have more than one circle of friends. Diversify. The rewards will enrich your life. If any one aspect of your life gets upset, you'll still have all your other strengths, assets and options to rely on.


One thing that history has shown is the indomitability of the human spirit. That goes for you, too. So hang in there... especially when times are good!

Until next time,
JS
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget

PS - If you like this newsletter and all the great *f r e e* tools & tips, do your friends a favor. TELL THEM ABOUT IT! If you didn't like it, keep it down low. No use complaining - you got your money's worth, right? Yeah... like that!

Hear that steady drip-drip-drip? Ah yes, autumn is upon us. For folks in northern states, it's time to collect those summer memories, fold a crimson leaf into the pages of a book, and get off your hiney and fix a few things. Autumn is a great time for rakin' leaves, clearing some clutter and bundling up for the winter months.

If you happen to live in a southern clime, it's time to have those breaks checked on your car. Your snowbird friends are about to come back and drive 10 miles an hour under the speed limit.

However, that steady drip-drip-drip I mentioned ain't necessarily comin' from your leaky roof. It could be the sound of your precious hard-earned cash dribbling down the drain. Besides fixing the leak in the roof and mending your socks, fall is a great time to review your 401(k), tune up your investment instruments, and set fresh money goals for the coming months. Some folks have an easier time at this sort of thing. I don't know why that is, but it's so. Maybe you feel like you've got a hole in your pocket when it comes to money. It's a pretty common theme. It ain't always easy to keep money hangin' around you like a fine perfume. With just a minor shift, and you can be back in the high life.

Are You Leaking Money?

Here's the thing. Most folks only look at how much money they can make while they utterly ignore how much money they can keep. But like a leaky faucet, some fixes don't require a professional and you can tackle the job yourself. Imagine you have a huge water jug. Every morning you fill the jug to the brim with fresh clean water, but you don't see the holes in the bottom o' your vessel. How long do you suppose it'll take for the jug to run dry?

This is what a lot o' folks do with their money, too. You gotta plug the money leaks or there will come a day when you need something but the money's gone dry. It doesn't have to be this way. Living like a fat cat really is a matter of choice, even if you are on a money diet. It starts with plugging your biggest leaks first - just one big leak and that will keep the money pot fuller longer. Manage to plug a few other leaks and your money pot will be brim full those times you need money the most. Keep at it, and pretty soon your, uh, pot runneth over.

Tips to Make Your Money Pot Runneth Over

Here are some swell ideas to get you started plugging up those money leaks.

1. Get financial guidance - A lot of financial companies, community centers and even some churches offer classes on how to manage money. A word to the wise: never take advice from somebody who has never had what you want. Whenever possible check the credentials of the person giving you advice.

2. Use the barter system - Get together your friends, family, neighbors, and co-workers and set up a bartering system. Offer babysitting to one family in exchange for them mowing your lawn, or housekeeping for car-pooling your kids. Can't get your folks together in one room? Set up a website or forum for your group. Bravenet.com offers web tools and hosting for free.

3. Comparison shop - Comparison shopping can make a big difference in the little things. Say you're lookin' at a barbecue grill at one place for $350 and you find the exact same grill or one comparable for $300. If you shop online, you can save yourself the hassle of the footwork. You might even find the same goods in gently used condition for even bigger savings.

4. Proper maintenance - Ah, now this is where we came in. Taking care of your goods not only saves you the time and hassle of repair, it basically locks in yesterday's prices and hedges against tomorrow's inflation - substantially compounding your buying power!

5. Fulfill your needs, table your wants - I know one guy who used to say “If I still want it in next month then I’ll get it." He saved himself from wasting money on many an impulse buy this way. Now, that doesn't mean your spending plan should feel like a straightjacket... more like a well-fitting Italian sportcoat.

The Biggest Mistake People Make With Their Money Is Easy to Solve

Do you really want to save money? I've made a special deal exclusively for my newsletter subscribers, and I had to pull some strings to get it for you. If I could do it legally, I'd give this book away - but I'd get into big trouble! Let me show you 101 easy ways you can start plugging all your money leaks right now. These are all painless money saving tips that you can easily put to good use without squeezing your lifestyle like a too-small pair o' Hush Puppies. SectorMatic Money Site is now serving up 101 Ways To Stop The Money Leak.

This book sells all day long on other sites for $24.95... Do your research and you'll see, it's no joke.  I don't want price to be a factor in keeping you from living like a fat cat, even if you are on a money diet. So I'm giving a huge break - an 80% discount - to my SectorMatic Money Site Subscribers and offering it for only $4.95. You can't even get a decent lunch for that. Click here to get your copy at 80% off. If you use just a few of the money-saving tips in this 52-page manual you WILL save a tremondous amount o' dough. ...Yeah, like that!

SUBSCRIBE NOW! If you're reading this and you're not currently a newsletter subscriber... where ya been? Thank the person who hooked you up. They've done you a marvelous service. Now it's up to you to keep the hits coming and watch the money roll in. Sign up for our free newsletter, and change your life for for good! You didn't think I could read minds too, now did you? Honestly, I think that's asking a bit much....

Until next time,
Jack Schmidt
Spokesman

SectorMatic Money Site
Everything for the Big Spender on a Budget