Step 12 update

Step 12 - $10.00 to $20.00
I am now at step 12 in my doubler program.
I spent $10.00 to upgrade ClixSense a paid to click ads program, it paid me $7.21 for June.
Joined LinkGrand , spent $4.40 to advertise referral link received 3 referrals, received
$5.00 payout to my PayPal account. Used $4.00 to buy a position in Profit-Network
a HYIP program paying 2.4% a day. Still collecting bottles and found change, current
balance in doubler fund $15.24.
Using PayPal merchant account to keep doubler funds, signed up for money market fund
currently paying 5.02% on any funds sitting in my account

Important piece of the puzzle

I just finished reading an awesome report

that has inspired me to tell you about it

immediately.

It and made me change my

whole outlook for the year 2007 and the goals I

plan on achieving for my business.

It is a free report that is highly motivational,

and will challenge you to look at why you may

not be succeeding online.

Keith Wellman and Eric Rockefeller decided it

was so important to introduce it to the internet

marketing community that they decided to also

pay on two tiers to tell others to download

and read it.

Discover The Most Important Secret To Wealth.

Download And Read " The Rockefeller Files" Now.

http://www.therockefellerfiles.com/?download=16809

Check it out and let me know what you think.

Download and read this truly inspirational

report right away and you also can make

money just by telling others..

doubling update

I now have $2.43 in my doubling fund from found money and bottle deposits.
Currently working on step 9 also trying to think of a way to speed up the process.
Any suggestions from other doublers are welcome.

28step update

I hope everyone is enjoing the holidays.
My doubling fund is now up to .53 cents from bottle deposits.
Being self employed "without a real job" it's easy to come up with ideas the hard part is not touching the funds to buy gas, food and so on. Thats what happaned to my last attempt at doubling.
I am currently working on buying a rental property to provide a steady income along with investments that pay a dividend.
The trick is paying bills while building capital for investments, ie. managing cashflow. Finding short term investments to park my money for 1or 2 months till its needed to pay bills can be a fulltime job in itself.

just ask, doubling game update

Stopped to see a friend today, I noticed an empty coke bottle so I ask if he'd sell it to me for 3 cents. After I told him about starting with a penny and trying to double my way to a million, he told me I could have the bottle and to keep my pennies.

When I left he offered to save all his empties for me. With a 10 cent deposit on each bottle this could add up pretty quick.

I am now up to $.13 which is between steps 5 & 6. Only 22 steps to go.

It's amazing what you can get just by asking. If your getting the wrong answers, you might want to change the questions your asking.

One Penny Project: Passive Income or Residual Income

here is a link to another like minded soul
One Penny Project: Passive Income or Residual Income

I have found that life is more fun when you not only think outside the box but live outside the box.
I have learned to relax and enjoy the trip and the thrill of doing something new rather than being tied to the results.

We need to have goals but the most important thing is the trip, because that is where live happens.
The goal is just an excuse to play the game.

I now have 3 cents in my doubling fund.
I told a friend what I was trying to do, he gave me 2 cents and told me to keep my penny and just remember him when I make my millions.

Double your way to a Million

Years ago, like about 30, I read that if you started with a penny and doubled it every day you would be a millionaire in less than a month. It didn't take long for me to realize that my weekly paycheck wasn't going to do it. So I forgot about it until, fast forward 30 years, a couple months ago. More like 9 months ago.
I ran across an e-book I downloaded about becoming a millionaire in 28 steps. After reading it I decided to give it a try, hence the name team28. Than life happened and after step 7 I forgot about it and the money got mixed in with the rest of my change.
Well the other night I ran across a site named "oneredpaperclip". It tells the story about how the auther starts with one red paper clip and trades his way to a house.
The site is http://oneredpaperclip.blogspot.com It's worth checking out and reading his story.
It got me thinking about my failed attempt to double my way to a million dollars, so I desided I would try again.
I have my penny to get me started. Does anyone want to buy a shiny 2004 penny for 2 cents let me know, no telling how log it will last at this price.

What You Need To Know to Apply for a Credit Card

Since finances—especially money—is one of the major concerns of many people, a wide array of financial management services and financial options emerged. One of the most visible of the financial management services there are is the credit card.

Although many people testify for the financial convenience you get when you apply for a credit card, it doesn’t mean that every financing convenience right for you.

When people apply for a credit card, there is always a reason. It can be for managing their finances, needing extra money or in preparation to a big expenditure. People apply for a credit card because of the ultimate convenience it brings. By now, you may have had your share of ‘pre-approved’ credit card offers in your virtual and physical mail. Credit card issuers lure these people by giving low introductory APR, no annual fee offers among numerous perks, to attract the person who wants to apply for a credit card.

There are endless pros and cons when you apply for a credit card, but if you have decided to apply for a credit card, here are some helpful tips to guide you.

There are three easy steps you should follow if you have decided to apply for a credit card.

• First, do some research on credit cards. By doing this, you can familiarize yourself with different credit card terms and types.
  

• Second, you can compare numerous credit cards that would best serve your needs.
  

• Third, apply for the credit card of your choice by filling out a credit card application by visiting a bank representative or through online.

Before you apply for a credit card, make sure you mastered the credit card terms. Being a form of borrowing that involves charges, credit cards usually have underlying credit terms and conditions affect your overall cost. So, it’s best to compare terms and fees before you apply for a credit card and agree to open an account. Some of the important terms to be understood well include the annual percentage rate or the APR.
When you apply for a credit card, you must know how the APR affects your credit account. Being a measure of the cost of credit expressed as a yearly rate, the APR should be disclosed before you apply for a credit card. Aside from APR, the periodic rate must be disclosed to the card holder before they completely apply for a credit card so they would have an idea of their outstanding balance and finance charge for each billing period. Other important terms to know before you apply for a credit card are free period or “grace period,” annual fees, transaction fees and other charges, other costs and feature, and balance computation method for the finance charge like average daily balance, adjusted balance, previous balance, and two-cycle balances. Make sure before you apply for a credit card, the issuer gives an explanation of how the balance is computed and it must appear on your monthly billing statements.

Start your search at E-Credit Directory for a large selection of credit cards.

Credit card anyone?

The emergence of electronic age made almost everything possible to people. Everyday life is made easier by technology. We now have more convenient stores, easier means of transportation and a variety of gadgets that makes work and pleasure almost effortless.

When it comes to finances, technology—through efficient banking system and services—has given people better alternatives and options on how to manage their finances. Among the many financial management schemes that emerged, one alternative stands out among the rest—the credit card.

Credit cards, especially to working people and those who live very busy lives, has become an ultimate financial “savior.” More than just being a status symbol, credit cards have revolutionized the way people spend their money.

But, more than the convenience credit cards brings, there is more to these cards than most people imagine.

Credit Card 101
Before getting into the list of the advantages and disadvantages of having a credit card, it is very important for people to first realize what a credit card really is in order for them to maximize its potentials.

In simple terms a credit card is a card that allows a person to make purchases up to the limit set by the card issuer. One must then pay off the balance in installments with interest payments. Usually, credit card payment per month ranges from the minimum amount set by the bank to entire outstanding balance. And since it is a form of business, the longer the credit card holder wait to pay off his or her entire amount, the more interest piles up.

Since having a credit card is a responsibility, only those people who are of legal age and have the capability to pay off the amount they are going to spend through their credit card, is allowed to have one. Actually, most of the adults in the U.S. use credit card because this is very convenient compared to carrying cash or checks every time they have to purchase something.

It is also equally important to be familiar with the different types of credit cards before you begin to build up credit card balances and to avoid having a nightmare of debt. Since credit cards are indispensable to most consumers, it is a must that they understand the types of card that include charge cards, bankcards, retail cards, gold cards and secured cards.

All of these types come in one of two interest rate options—the fixed and variable. Actually, it doesn’t really matter if you decide to have a fixed-rate credit card because the interest rate remains the same. Compared to variable rate cards where rate may be subject to change depends upon the credit card issuer’s discretion, fixed-rate carry higher interest rates.

Basically, credit card grantors issue three types of accounts with basic account agreements like the revolving agreement which allows the payer to pay in full monthly or to have partial payments based on outstanding balance. While the Charge Agreement requires the payer to pay the full balance monthly so they won’t have to pay the interest charges, the Installment Agreement, on the other hand, asks the payer to sign a contract to repay a fixed amount of credit in equal payments in definite period of time.

Another category of credit card accounts includes the individual and joint accounts where the former asks the individual alone to repay the debt while the latter requires the partners responsible to pay.

The common types of credit cards available through banks and other financial institutions also include Standard Credit Cards like Balance Transfer Credit Cards and Low Interest Credit Cards; Credit Cards with Rewards Programs like Airline Miles Credit Cards, Cash Back Credit Cards and Rewards Credit Cards; Credit Cards for Bad Credit like Secured Credit Cards and Prepaid Debit Cards; and Specialty Credit Cards like Business Credit Cards and Student Credit Cards.

Now that you have an idea how many types of credit card there is, it is now time to review your goals before applying for one. Some of the things you should consider is, how much will you spend with the credit card monthly?, if you plan to carry a balance at the end of the month, how much are you willing to pay in annual fees?, do you have a strong credit history and is your credit in need of rehabilitation? Once you have an idea of what you are looking for choose the right credit card for you by researching the information you need that will fit your basic needs. You may also review the credit cards you’ve research and compare them.

Shopping for a credit card?
Regardless of the type of credit card you choose, be sure to discuss your specific financial needs with your financial advisor or accountant before applying for any credit card. It is a must that you understand the benefits of having a credit card, like safety, valuable consumer protections under the law, and the accessibility and availability of services. The most popular credit cards include Chase Manhattan Bank, Citibank, Bank of America, BankOne, American Express, Discover® Card, First Premier Bank, Advanta, HSBC Bank, and MasterCard Credit Cards.

Although having a credit card is convenient, it may trigger a person’s thirst for material things and may lead to the temptation of buying something they don’t really need. You should always keep in mind that having a credit card is a big responsibility. If you don’t use it carefully, you may end up owing more than you can repay. It can also damage your credit report, and create credit problems that are quite difficult to repair.

To find the credit card thats right for you check out e-creditdirectory they have a large selection of cards to fit your needs.

Independence Day

IN CONGRESS, July 4, 1776.

The unanimous Declaration of the thirteen united States of America,

When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.--That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, --That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.--Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.

He has refused his Assent to Laws, the most wholesome and necessary for the public good.
He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.
He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.
He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures.
He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.
He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.
He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.
He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers.
He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.
He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance.
He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.
He has affected to render the Military independent of and superior to the Civil power.
He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:
For Quartering large bodies of armed troops among us:
For protecting them, by a mock Trial, from punishment for any Murders which they should commit on the Inhabitants of these States:
For cutting off our Trade with all parts of the world:
For imposing Taxes on us without our Consent:
For depriving us in many cases, of the benefits of Trial by Jury:
For transporting us beyond Seas to be tried for pretended offences
For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:
For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Governments:
For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.
He has abdicated Government here, by declaring us out of his Protection and waging War against us.
He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people.
He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.
He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.
He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.

In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.

Nor have We been wanting in attentions to our Brittish brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.

We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.

The Preamble

We, the people of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defense, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity, do ordain and establish this Constitution for the United States of America.

The Constitution was established by the people, as the Preamble tells us, so the government would provide the following:

1. The People are the rulers, the government is the servant

2. There is to be equal justice for all.

3. Peace, security and tranquility

4. A common defense

5. For the good for the GENERAL WELFARE (not special welfare for certain special groups)

6. For the Blessings of Liberty

7. For the Protection of People’s Life and Property

James Madison wrote: .The powers delegated by the proposed Constitution to the Federal Government are FEW and DEFINED..