Carmon

All the dreams that have come and gone;
All the memories that will live on and on.
High School days we though would last forever;
All the time we thought we'd be together.
Time seemed to slip by and then go away;
Now it's graduation day.

So many times we laughed and we shared;
So many times we said I love you and I care.
The happiness, the sadness, and the fights galore;
All these things were wrapped into one and more.
Time seemed to slip by and then go away;
Now it's graduation day.

So many times wondering if we'll remember what we've learned;
The credits, the honors, and the scholarships we've earned.
The trips, the sneak days, cutting a class;
For all these years we thought they'd never pass.
Time seemed to slip by, and then go away;
Now it's graduation day.

And so my friends, I want to dedicate this to you;
For the good times and the sad, yes there's been a few of those too.
The tears streak down my face, the memories to stay;
Because now my friends, it's graduation day.

And so my friends, I want to dedicate this to you;
For the good times and the sad, yes there's been a few of those too.
The tears streak down my face, the memories to stay;
Because now my friends, it's graduation day.

And so my friends, I want to dedicate this to you;
For the good times and the sad, yes there's been a few of those too.
The tears streak down my face, the memories to stay;
Because now my friends, it's graduation day.

Jaci Raes humble beginnings taught her the value of a dollar. Now a successful Entrepreneur, Rae is an award-winning singer and best-selling author. When she isnt dishing out money saving and inexpensive living advice on some of the top ranked money saving sites, Rae conducts seminars and teaches around the U.S. and the world.

Jaci Rae's new book is, Shop for a Day with Jaci Rae How to Get Almost Anything for Free. For more information Get Almost Anything for Free Check out Jaci Rae Tour to find out more about how you can listen to Jaci live.

Are you noticing more rich people getting around? The tell tale sign is the imported luxury vehicles and the upgrading of whole neighbourhoods. People are leaving their jobs and retiring by the hoard. They are taking world cruises and flying to exotic destinations on a whim. They get around in dark gold sun tans and gold thick chains adorning their shoulders. They seem more relaxed and fresh.

See, 200 years ago during the height of the industrial revolution there was interdependence. The general philosophy from the perspective of the common man during the industrial revolution was that "I the worker will work and you the company will look after me in my old age" A symbiotic relationship that was not so much a written contract as a social obligation. After all its only fair. We the company get good solid labour to churn out washing machines and fridges and earlier steel works products like horse and buggies and steam engines and the like. The industrial revolution was about metal. Metal the material and metal in attitude. An everlasting commitment from both sides of the coin. The company and the worker.

Then something imperceptable happened. The industrial revolution began to fizzle out. Its not clear whether it was workers who revolted in droves and began to demand a better life. Or was it the companies that drove them to it in their never ending quest for share holder profits. If I was to guess, based on my observation I would say its likely the former.

In fact, I think our grandparents and their grand parents were taken for a ride. There was never really a forged contract. What really happened was that the company discarded the tired old beat worker, and they were left to fend for themselves or for their immediate family to see them in to there final resting place.

Sad stuff. Thats life they say. Well, something is happening around you right now. Something strange. One could say the industrial revolution gasped its final breath in the 70's early 80's when the advent of the personal computer leveled the playing field on all fronts.

Something rapid and fast is passing us by. If the industrial revolution spanned 250 years, the new paradigm shift is changing at a rate of every decade. The late nineties were a blurr for me. I made money, hand over fist.

If the industrial revolution was about personal enslavement to a corporate Father. This existing paradigm shift we are witnessing is about rebelious freedom against the father.

Here's the thing. Money is spare and lying around on the streets. Look at the phenomenon of deregulation. A world wide trend that see's no end in the immediate future. Everything is becoming deregulated. The walls are coming down around us everywhere. Protected and conserved sources of revenue that were once the domain of "the in crowd" is now available to anybody who thinks they can do the job quicker and smarter then the next guy.

Wealth permeates our lives like oxygen today. It is astounding that there are men and women out there that cling to a regular job. With such low risk high yield opportunities present where ever one looks.

Value, spare value has been deregulated. What is value if not the embrionic form of money. Percieve spare value and you are looking at money. All you have to do is convert that spare value into cash.

This paradigm shift is being played out in Real Estate, Cars, Boats, Planes, Used Power Plants, Apartment Blocks, Copper Wire, Commodities.

It makes little difference, for every bit of spare value you can uncover or create from thin air, there are a dozen buyers with cash begging for you to sell to them. You just have to see it.

In the early years of last century, there was a prolonged golden age. From the turn of the century to the late 20's when the depression finally hit.

Oh, its coming. The big hang over to this party is coming and its the poor that will pick up the check. But as far as I can see it is no where in sight. This isnt a small cycle, this is a huge Tzunami of wealth and opportunity poured across our paths simply because we are lucky enough to be around in this time frame.

I haven't got a crystal ball. But I look at the indicators and the way the worlds powers are behaving and nothing could be clearer. This party is here to stay. Its going to be a long and drawn out money bath. China is looming large, about to make her waves in the fiscal oceans of the worlds economy. She is a titan as an economic power for one of the same reasons The US of A is. The reason is sheer numbers. The demand is going to be incredible from that part of the world as the peasants and farmers rapidly assimilate and begin living like westerners requiring all the conveniences we are now used to. Third world countries around the world are lining up to take that same path.

When we say let the good times roll, I mean it literally. This thing is not going to end for another 20 maybe 30 years.

We have had recessions and small dips and rises. But this is different. They were talking about a paradigm shift in the mid nineties, but they didn't count on being right. How to get rich fast is to leap on this opportunity with both hands.

You have plenty of time as far as I can see, but why wait.

Jack Reynolds(c)2005
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Jack Reynolds was a broke Insurance salesman only 2 years ago, today he owns assets valued at several million dollars. What did Jack do in 24 short months? You can read about Jack's remarkable and rapid transformation and download Hayden's famous book "The Million Dollar Mentor" by clicking here

With the fast pace development of the internet technology today, its very possible to connect to the world and get information in just a matter of seconds. People who frequently go online have a choice between close broadband rivals cable operators or DSL (digital subscriber line) service for instant access to the internet. The battle continues between cable and DSL companies who promise to provide customers with the best service for high-speed data transmission.

Broadband technologies started to develop in the early part of 2000. In the U.S. alone, broadband internet usage either through cable modem or DSL connections soared from only six percent in June 2000 to 30 percent in 2003, according to a study.

Cable

Cable operators, through their cable modem service, provide broadband using the same coaxial cables that transmit pictures and sound to your television set. Most cable modems are external devices that have two connections one to the cable wall outlet and the other one to a computer. With this type of modem, a user can both watch cable TV and use his computer at the same time. Instant internet access similar to DSL can be achieved just by turning on the PC.

With a residential cable internet connection, a user can have download speeds between four to six Mbps or roughly 70 times faster than a dialup connection. Cable consumers can even opt to bundle their internet access with digital cable TV and digital phone service to avail of discounts.

Cable companies especially in the urban centers felt threatened with the entry of DSL and immediately took action spending billions of dollars for upgrades. Many of them have boosted their download speeds in hopes of competing with cheaper DSL offers.

DSL

DSL is a telecommunications service that allows an ordinary telephone line to be used as a high-speed conduit for data, voice and video. It boasts of broadband speeds over ordinary telephone lines and is considered one of the fastest growing high-speed access technologies best for both business and personal use. Among the telecommunication technologies available today, DSL is the most powerful and flexible solution for high-speed internet access and information transfer.

A typical DSL connection enables users to receive data at a maximum of 1.5 Mbps and send data at 256 Kbps. The nearer your location to the providers central office, the faster the speed youll get. And whats best about this is that with DSL, connectivity is always guaranteed. In other words, a user can be sure to go online instantly as no dial up connection is needed. In some cases, users can even use the same line for voice and data traffic.

Apart from its high speed connectivity, DSL is very cost effective in that a user needs only little new equipment and no new telephone lines. It is easy to use and requires no further training.

DSL technologies come in various forms depending on a users location and bandwidth needs. These are the IDSL (ISDN digital subscriber line), ADSL (Assymetric DSL), VDSL (Very High Speed DSL), RADSL (Rate Adaptive DSL) and HDSL/SDSL (High Data Rate DSL/Symmetric DSL).

So you decide which of these two broadband technologies suits your needs. If you only need internet access without getting a new telephone line, then the DSL may be best. However, if you want to subscribe to a cable TV and have fast internet access at the same time, then the cable modem will suit you best.

Michael Cohen recommends you visit http://www.satellitesweeper.com to answer the question: DSL vs Cable.

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In the old days, doctors were the rich ones who drove huge cars, had big houses and were well-respected. And the computer geeks, well, did not exist. Now the doctors are struggling with car loans and mortgage repayments, and Bill Gates is the richest man in the world. What happened ?

Here are some reasons given :

1. Rich Dad Poor Dad feels sorry for doctors. Many of them are woefully financially illiterate. He cannot understand why people who are supposed to be clever can be so inadequately informed in areas of managing their finances.

2. A Millionaire Next Door was kinder. They theorised that maybe doctors were very generous with their money since they are inclined to help people by nature, and not be too greedy or concerned about money. However, one doctor can only do so much to help a limited number of people. Bill Gates has a huge fund with which to bring AIDS medicine to the poor developing countries and much more.

3. Many doctors are over-consumers and under but having a very low net worth relative to their income. Net worth does not include the home that you live in. It is counted by assets that generate money such as property, stock portfolios and businesses. Many doctors only have their salaries as their primary source of income.

4. Doctors tend to spend a lot because they have an image to upkeep. Apparently people think that a doctor who comes to work in a Lexus must be a better doctor than one who took a bus to work. They also need to stay in better neighbourhoods where things generally cost more.

5. Doctors also spend very little time monitoring their finances because they are too busy doing other things like saving lives. Those who are millionaires spend at least 4 times more time reviewing and assessing their finances, and their investment portfolios. They are more likely to have a budget and know how much the family spends on things.

6. Doctors tend to be either employees or self-employed because they are perfectionists who want to be the best at what they are doing. Of course, one would appreciate that if one was going to see his doctor, he would hope the doctor was more inclined to be the best in his field. But the point is, the truely rich people are the business owners, who are not the best in their field. They know how to lead a team of the best people so they get the money !!

7. Doctors don't know much else other than being doctors cos they spent too long in medical school. Their long working hours also makes it difficult for them to explore other areas.

8. Oh, and because they spent so long in medical school running up huge debts in student loans, they couldn't start saving till about 10 years later than their classmates who dropped out after high school to start an internet business.

9. People think doctors are rich and so expect them to be nice and give them free medical treatment because it is deemed "essential". Nobody expects models to work for free or volunteer their time for charity.

10. I can't think of Number 10. It just seemed nice to have a number 10.

Karen Cheong believes we all have it in us to be rich - really ridiculously wealthy. We just need to learn to unleash the potential.

Find out what the rich know that the poor do not. Visit http://www.whymoneymatters.blogspot.com