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1.) EDITORIAL
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A "Warm" Welcome to All our New Subscribers.

I hope you all had a great weekend.  In reviewing 
our scheduling for the month of July, I noticed that 
we have Top Sponor a*d availability for as early as next
week.  We also have Classified a*d availability for this
coming Thursday. 

You can visit our website to view our packages, and if
you would like to view on the special packages, just
click on Variety A.D packages for more information:

http://www.online-exchange.com/advertising.htm

I see alot of new business entrepreneurs online,
and we do have many new subscribers.  The OnLine
Exchange has been in publication for 8 years.
We have quality readers and very competitive a.dvertising
packages.  So, please take a moment and review what
The OnLine Exchange has to offer.

If you have any questions, suggestions, opinions,
please email us at:  marketingtrendz@comcast.net

Please forward this e-zine to all your friends and co-workers who might be interested!

Until Next time,
 
Debbie Solomon
editor of The OnLine Exchange Ezine

 

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2.) HEADLINE ARTICLE
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How To Create Wealth
By Phillip Collinsworth

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What is your wealth quotient? And, when do you know you have achieved “wealth?”

For the purposes of this article, wealth is defined as an income level derived from passive sources that allow you to live without depending on a job. Passive sources are any income source that throws off a positive cash flow that you can bank or spend. For example, the cash left over from a rental property after all expenses are paid, is passive income. Likewise, interest from a certificate of deposit, or dividends from stock investments, are examples of passive income. With this definition in mind, the key to creating wealth is to figure out how to create and build passive income sources.

To measure my progress in this area, I use a simple formula:

Passive income divided by your total living expenses = wealth quotient

Consider this example: If you had $1,200 per month in passive income from a real estate investment and your cash savings account, and $4,500 in monthly expenses to survive (house payment, household expenses, etc), your wealth quotient equals:

1,200/4,500 = .26

The ideal is to achieve a quotient of 1 or greater. The number .26 represents approximately one quarter of your desired quotient of 1 or greater. Change the numbers and watch what happens:

3,000/4,500 = .66
4,500/4,500 = 1
6,000/4,500 = 1.33

The key to long-term financial success is to build passive income, and free yourself from the need to work or “earn” a living. In my opinion, when your wealth quotient reaches 1, you have achieved wealth. The rest is simply a matter of how much margin for safety and extra luxuries you wish to obtain.

Keep in mind that passive and portfolio income is typically earned from fully insured and maintained real estate that provides a positive cash flow, bonds and savings, dividends from Blue Chip stocks, and royalties from books, patents, and music you may own the rights to, and residual income from a home-based business, such as the ones discussed at the author’s website listed below.

These rights to intellectual property, combined with the equity in real estate owned and various certificates of deposit, stocks, and bonds comprises what is known as your capital base. As your capital base grows, you are able to generate greater amounts of passive and portfolio income (PPI). When your PPI exceeds your basic living expenses, you have achieved a level of wealth that enables you to make riskier investments in the pursuit of higher yields and return on investment (ROI).

The key here, which is a lesson I learned from both “The Richest Man in Babylon” and the school of hard knocks, is not to erode your capital base by making risky investments or spending the money that makes up the foundation to your wealth building aspirations.

As my rough sketches illustrate, you should use only the proceeds above and beyond your basic living expenses (derived from your capital base) to make wealth building investments and/or purchase the goodies in life. If you violate this rule and consistently dip into your capital, you will need to keep your day job to feed your consumption habits.
I am not in any way advocating a Spartan lifestyle—after all, the pursuit of wealth is only worthwhile if you are allowed to enjoy a higher quality of life for yourself and your family.

The basic tenet of this report is that you should carefully manage your money to ensure your investment and wealth building goals are heading in the right direction. In the short term this may mean cutting back on the niceties, but the rewards later on will allow you to enjoy the good things in life above and beyond the norm. Robert Allen makes this point perfectly clear in his book, “Nothing Down,” where he compares your pursuit of wealth to a rocket ship leaving earth towards space.

In the early stages, just after liftoff, your progress is slow and awkward, but as you gain experience and continue to build your capital base, your rocket ship gains speed until it begins to break free of the earth’s gravitational pull. Allen’s analogy is a great lesson in wealth building and is well worth reading.

Again, this concept is vitally important to your acquisition of wealth. Follow the steps of creating multiple streams of income that ideally throw off positive cash flow to your hip pocket with minimal effort. These streams of income typically should come from interest from savings accounts, dividends from bond and stock investments, royalties from intellectual properties (copyrights, patents, and trademarks), rental income from real estate owned, and residual income from a home-based business. Use this positive cash flow to offset your living expenses, and then use the excess (income above and beyond your living expenses) to feed your investment activities.

When your wealth quotient exceeds 1, you have achieved a moderate level of wealth. It’s up to you how big you want to grow this number—after all, it’s your wealth quotient.

Reference Box:

Phillip Collinsworth edits and publishes a website dedicated to helping home-based entrepreneurs achieve success. To read over 45 free articles by Collinsworth, visit his website listed below.
http://www.wealthsearch.org

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3.) INTERACTIVE CLASSIFIEDS
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4.) BIZ*TECH SAVVY SOLUTIONS
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Freeze Up

No, we're not talking about the outside temperature in the
mid-west, but one that happens on your computer.  Every once in
awhile, you're going along, trying to get a program to work, or
you're trying to search for something, and all of the
sudden...your computer freezes. It just stops! What? Why? It's
hard to understand why it does that, but sometimes the programs
just don't feel like responding.

So, how can you get rid of it and start all over? Try pressing
CTRL + ALT + DEL. Once you do that, a box will pop up and tell
you everything that's running on your computer. You just look
through the list, find the program that's stuck, and choose End
Task. That will stop the freeze up and should put you back on
your merry little way!



-----

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Subscribe at: http://adv-marketing.com/business/subscribe2.htm  

 

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5.) EZINE A*D*VERTISING DETAILS
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EZINE BUSINESS DIRECTORY
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The OnLine Exchange is brought to you by MarketingTrendz.  Please visit our directory of resources for helpful information for your online business.  

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ONLINE EXCHANGE DIRECTORY & INFORMATION DATA
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PRIVACY POLICY-

ONLY subscribers who have personally and voluntarily subscribed to this Ezine will Receive it. We are 100% Opt-In. We will NEVER provide our subscriber list to ANYONE. We respect the privacy of our readers.

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CONTACT INFORMATION-

Editor: Debbie Solomon
Publisher: Sara Hardy
http://www.marketingtrendz.com
MarketingTrendz
1640 West Sandpiper Circle
Pembroke Pines, FL 33026
support@marketingtrendz.com

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DISCLAIMER-

THIS DOCUMENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.
The information contained in this document represents the current view of MarketingTrendz on the issues discussed as of the date of publication. Because MarketingTrendz must respond to change in market conditions, it should not be interpreted to be a commitment on the part of MarketingTrendz and MarketingTrendz cannot guarantee the accuracy of any information presented after the date of publication. Information provided in this document is provided "AS IS" without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and freedom from infringement. The user assumes the entire risk as to the accuracy and the use of this document.

All opinions and viewpoints in each editorial of The OnLine Exchange Ezine is expressed solely by the editor and writer, Debbie Solomon. The opinions set forth by the editor is not necessarily an interpretation of viewpoints made by the company.

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