The first thing you need to know is that working from home isn’t for just anyone.  You will find out you must be your own worst boss.  You must be a self-starter who doesn’t need a boss over your shoulder to make you work.  Your performance is directly tied to your income – if you slack off, so does your money.  So, with that in mind, are you still ready to work from home?

Next, you need to decide what you might like to do, assess needs you can fill for a fee, and put it into action.  Do you want to provide a local service, or sell a product online?  What are your goals?  Where do you want to be in a month, a year, and five years?  If you don’t have a clear business idea and goal, you are setting up for failure.

You need to decide how to get the word out about your business.  What is the best way to reach the most people with the least money?  What most experts agree on is you need exposure.  If you are a decent writer, you can start a blog on your product, educating people on the reasons they need your service or product.  Join forums to get your name out there.  If you have an advertising budget, you can try pay-per-click (PPC) ad campaigns such as Adwords, or email marketing.

And, finally, you need to be able to recognize a work-from-home scam.  For example, if something sounds too good to be true, it probably is.  If you are paid by recruiting, it is probably a pyramid scheme.  Be wary of opportunities that require an upfront fee or initiation fee to join.  Check the Better Business Bureau.

The Work At Home Bible is a free comprehensive guide to working at home and avoiding scams.  I was impressed with the amount of information inside about how to choose and start working at home with a lengthy section on how to recognize and avoid a scam.  And, did I say, it’s FREE?

You don’t have to give me your email address, just click, download and read.  It is a PDF e-book, so you will need the free Adobe Acrobat Reader to see it, but you probably already have that on your computer.

Identity Theft Detection

Identity theft is rampant and, in today’s economy, is on the rise.  People will find someone with good credit and steal their identity.  You may not know your identity has been stolen until you try to purchase something and are either turned down or charged an ultra-high interest rate.  If you are the victim of credit card theft, and they have changed the billing address to something other than yours, you won’t know until your credit is already being ruined.  A good credit monitoring service can alert you to any changes in your credit report and allow you to take action to prevent identity fraud.

Credit Management

Managing your credit through careful spending, making sure you pay all bills on time, and keeping your credit card balances well below the limits are key, but that is only part of it.  Stop applying for every credit card that comes along since that generates hard inquiries to your credit report.  These are counted against you with your credit score.  Soft inquiries, such as you accessing your own credit report are not held against you, so you won’t be penalized for watching your own report.

Credit monitoring will also help keep you in touch with your spending and payment habits.  It’s gratifying to see any late payments drop off and see all green on your report.  It’s also nice to see that credit score start on the upward trend.  You can see the ratio of debt to income and begin to work that in your favor.

There are several credit monitoring agencies out there.  Research and find one that offers a trial period or money back guarantee of some sort.  Credit Sentry is unlike other monitoring services that bill you monthly,  offering protection for a one-time fee.  They have a money-back guarantee, so there is no risk.

There is also a great book on how to repair your credit with practical advice to help you raise your credit score: Credit Counseling for Credit Reports and Credit Repair Workbook.

You are the first line in the defense of your credit report.

This professor was taken by two masked males as he was leaving the mall.  These two men grabbed him and put a gun to his head as they loaded him into their vehicle.  You see, they wanted to know his lottery strategy. They wanted him to share the secret to his success with the lottery.  By the time that the entire experience was over he had been shot in the left foot by one of the men.  So, are you wondering what this professor may have known that would cause such dramatic action.

The answer to that is simple.  He has the lottery tips, the lottery pattern that these men needed in order to strike it rich like he did.  You would probably like to have it also and I can not blame you.  It would be great to hit the lottery for millions. It would be even better if you were able to do this more than one time in your life.  Well, you can and this man from Oklahoma wants to tell you how.

The fact of the matter is that the lottery tips that Larry wants to share with you are not difficult tips.  In fact they work for anyone that wants to be successful at winning the lottery.  You simply need to be willing to follow the lottery plan that has been shared with you.  If you are able to do that then you are sure to be successful, just like he was.  That is what makes this lottery pattern so magnificent.  It works for everyone!

Just a final thought for all of you, you need to remember to be patient with the lottery strategy that you will be employing.  Just because you have a lottery plan that is guaranteed to work, you may not be success the very first time (but then again you might be).  There is no way to really tell exactly when it will happen. You need to keep trying and continue with the lottery pattern that you are given.  You will hit big at some point and the more that you play using the lottery pattern the more you will win.  Finally, you will want to enjoy your winnings but you will also want to think about others that need your help.  The lottery code will make you rich so you may want to consider sharing your wealth and helping others that may not know the lottery strategy.

To find out his secret, click on the banner below.

Legit Online Jobs is a site I’ve run across that looks to be promising.  They are verified through Trustguard and offer listings of companies who are looking for people with your skills to work for them.  I’ve looked at their website and done some searches in Google and nothing threw up any red flags, but take a look at Legit Online Jobs and judge for yourself if it will be helpful to you or not.

Legitimate jobs are out there and you can find one that will work for you, but be careful.  So, can you find legit work at home jobs?  Yes, you can.

Professor Larry Blair, (not a familiar name? well, don’t need to be) has a unique lottery story that may attract your attention.  The mathematics professor was among ordinary people, living an ordinary life and was in need of money. He tried all the possible ways to earn money, even the lottery, but failed repeatedly. One fine day, he decided to invest his mathematics knowledge to crack the lottery code. So, he spent eight long years to dig deep into the lottery secrets and at last he discovered the lottery pattern.  That is when the miracle happened. The next chapter is very much predictable. He started winning.

However, the mastermind could not anticipate the dark side of this lottery strategy discovery. He made a mistake by disclosing his identity and as a result “he was shot in the foot”. Shocked?  Don’t be.  It could have even cost him his life. After winning a series of lottery games he was in the ‘lime light’ and was targeted by many other greedy people around him.  He was attacked by two gunmen and they wanted to know the lottery strategy, the secret, the code, the pattern, anything related to cheating the lottery game. It was not so easy to explain the entire lottery pattern in a word and for that he was being kidnapped. But, he tried to escape and became the target of a bullet. Luckily, it was not his chest or head, he was shot in foot. Then he realized that winning the lottery and being famous are contradictory to each other. The moment he was standing in front of sure death he realized that money can not replace family. Family comes first.

So, we have two lessons here.  One is that one ordinary man can make himself lucky to win an unlimited number of lotteries rather than just waiting for the luck to click in. Second, if you want to become both rich by winning the lottery with Larry’s lottery strategy and become famous then the lottery tips are for you. But remember, it may cost you some trouble because it really works. So, go win 1000 lotteries a year and keep silent and enjoy the money. Best of luck!

Blackjack, when played with basic strategy, only offers the house about a 1% advantage – less if played well.  This makes it the game to play for the best chance of winning.  Most casinos will use multiple decks (usually 4-8) called a shoe.  This will up the house advantage closer to the 1% mark.

What is the basic strategy?  Basic strategy is the complete set of optimal decisions on a hand of Blackjack.  In English, this means that, depending on your card total, whether it is a hard or soft total or doubles, you play a certain way depending on the dealer’s face-up card.  And if you play that way every time, the house will only have about a 1% advantage over you.  Where you actually make money is knowing when to bet more and when to bet the minimum.  I will get to that below.  For example, if you have cards totaling a 12 that are not pairs, then you should only hit if the dealer is showing a 2,3,7-A and stand on 4,5,6.

Blackjack Basic Strategy Chart

Like I said above, you make money knowing when to bet more and when to bet only the table minimums.  This is achieved in several different ways, the most notorious of which is card counting.  Card counting, when done in your head and without the help of any device, is legal and not considered cheating.  However, if you are caught counting, casinos take a dim view of it and have the right to ban you from their facility.  So, if you want to count cards, be sure to only do it mentally.

Card counting is not difficult.  If you can add 1 and subtract 1, you are good to go.  The trick is to do it quickly and accurately.  There are several counting systems out there, but the typical system applies a point score for each card rank.  Start out with 0 for a freshly shuffled shoe.  For each face-up card from 2-6, add 1; for each 7-9 don’t add anything; for each 10-A, subtract 1.  The higher your count, the more tens and aces are left in the shoe and the better your chance of drawing a ten or ace.  A player may even double down on a high count because the chances of drawing a ten card are much greater.  Basic strategy reduces the house advantage to less than 1% while counting, if done correctly, can give the player an advantage over the house up to 2% being typical.

Learning to count cards quickly and accurately is to take a couple of decks, shuffle them together, and as quickly as you can, turn them over and count them.  If you get to the end, your count should be 0.  If you know someone who plays Blackjack successfully, ask them to teach you their secrets.  Above all, practice.

A wonderful product which has helped me win consistently at Blackjack in our local casinos is Blackjack Secrets.  Be sure to check it out.

Against good advice, most people will pick common number patterns.  If you are one of those people and you win the jackpot, you must share your winnings with anybody else who picked the same numbers.  Of course, the more money you can keep for yourself, the better.

Everyone who plays the same numbers as you are competition, so you want to play games where you have the least competition.  Most people play the lottery on Saturdays, so playing mid-week games gives you better chances of keeping more of your grand prize money.

Now, I didn”t STOP playing Saturday games, but I play the Wednesday Powerball games, too.  If I only play one time in a particular week, I’ll play Wednesday instead of Saturday.

Of course, now you need to maximize your chances of winning the grand prize.  The best way to do this is to invest in a system such as the World’s #1 Lottery System – Ken Silver’s $3.2 million Silver Lotto System.  This is the best I’ve seen and it has helped me win more money than I’ve spent, making it very profitable for me to play the lottery.

So, play often, play the best system and profit.

As you play, you will begin to see a pattern emerge.  For every x number of tickets purchase, you will have a winning ticket.  Once you see that pattern emerge, you can leverage it to your benefit.  For example, if you see a pattern of 1:4, that is 1 winning ticket for every 4 purchased, you can quickly see that if you want 2 wins, you need to buy 8 tickets, for 3 wins, 12 tickets, etc.  So, depending on the game, for 12 dollars, you will have 3 winning tickets.  You will have to determine your own pattern, but 4:1 works for me – consistently.

Some other strategies:

1. Buy more tickets per game.  If you only play 20 panels, try 40.
2. Play more than one game per week.  If you only play Powerball, add a Pick 3 game.  Pick 3 games offer much better odds and the winning tickets can help finance your Powerball games.
3. Join with friends and co-workers, just make sure the terms are in writing and agreed upon.
4. Join a syndicate.  A good number of winners are members of a syndicate.  This allows you to leverage your tickets with many others.

And, perhaps the most important – play a proven system.  Remember the guarantees I talked about at the beginning of the article?  The system that has helped me the most in leveraging my numbers for winning lottery tickets is Ken Silver’s Silver Lotto System.  And the best thing is that he guarantees you will win with his system with a money-back guarantee.  It has not let me down, yet.

For the younger trick-or-treaters, think of something that will go with those all-over pajamas. If they have something brown, make their face up like a lion, or pink can be a cute bunny. One year, we gutted a stuffed over-sized teddy bear that was falling apart and put my son in it, made up his face and taught him to growl like a grizzly.

Most of us may want to forget the seventies, but like it or not, that is a popular theme this year. Dig in your closet, or visit local thrift stores for seventies apparel. Don’t forget the gaudy necklaces and the open shirts that were popular. Or dig out that tie-dye and go as a hippie. Don’t forget the hair.

A geek is an easy one. Take some pants that the legs are too short, black socks and tennis shoes. Button up shirt with a pocket protector and lots of pens. Add slick hair and some glasses to complete the ensemble.

You can use the old ghost standby. Take an old white sheet and cut eyes in it and voila! If you don’t have one, you can probably pick up a cheap one at the dollar store or other deep-discount store for a few bucks.

You can make a good hobo by just using old clothes that have holes in them, or are very worn. Use makeup to smudge dirt on the face.

Using those gosh-awful loud shorts and shirt, an old camera, those old disney maps (or others), a cap with a tourist attraction logo on it can make a good tourist. You can use your imagination and have fun with this one.

There are plenty of other ideas out on the internet, click here to find them.

Tip #1: Pay your bills on time.  You are probably thinking, “Well, DUH!”.  But, seriously, this is a big part of your credit score and the one most often overlooked, or at least fudged a little bit.  Generally, you have to be 30 days past due for it to show on your credit report, but companies keep their own records as well.

Tip #2: Keep your credit card balances below 50% of your credit limit.  If you are in the upper half of your credit limit, pay extra to get the balances down.  Pay the highest interest cards the most, then move to the lower interest cards.

Tip #3: Refrain from applying for new credit unless absolutely necessary.  This will usually reflect negatively on your credit score.  However, inquiries from credit companies monitoring your credit and pre-screened offers don’t count against you.

Tip #4: Monitor your own credit report.  You are entitled by law to free credit reports from each of the three agencies once per year.  You are also entitled to your credit report when you are denied credit, insurance or employment because of your credit report.  Go to www.annualcreditreport.com to pull these reports.  This is the site the Federal Reserve Board suggests.

Tip #5: Dispute incorrect information in your credit report or explain information that is correct, but you believe you have more information to add.  You can usually do this online.  The companies will investigate and usually have an answer for you within 30 days.

Your credit score is almost as important as the air you breathe.  It is important for you to take care of it.  It is the key to homes, cars, insurance, employment and much more.

More information you may find helpful:

• Credit Repair Secrets Bible
• The Attorneys Guide to Credit Repair
• Credit Card Debt Settlement Do It Yourself
• 30 Days to a Better Credit Report