The desire to help others is what originally led South African Elmare Lombard to leave her successful psychological practice after 15 years to start a natural aromatherapy line.

From experimenting with essential oils and plant-based oils in her kitchen to eventually seeking international markets for the line, Lombard has made her dream a reality today. Her Molo Africa line is now being distributed in the U.S. by BioPharmetics Inc.

But her company, founded with family members and community leaders, also helps establish farming projects for disadvantaged people in her native South Africa. Molo Africa has a proactive employment policy that helps single parents get jobs with the company or affiliated businesses. This initiative is designed to promote self-sufficiency and brings a sense of pride for individuals.

Molo Africa supports the independent farmers of Africa through advice and assistance; the purchase of raw products at fair market prices; and through education initiatives that help impoverished South Africans develop skills in agriculture, basic education, entrepreneurship and computer training.

The company’s product line includes pure essential oils, natural aromatic room sprays, massage butters, shea soaps and scented candles. Molo is an African greeting meaning “hello.” Bearing evocative African names such as “Hamba Suka” and “Sefako,” the products contain essential oils that were extracted from exotic plants farmed and processed naturally in African countries.

Gertrude Mewy is an example of the kind of success story Lombard’s company helped to create. The single mother from Guguletu, Cape Town, was raising her four children on a small salary as a domestic worker. But she dreamed of being an entrepreneur. With the help of the Foundation for Economic and Business Development, she started her own pottery business.

Her hard work paid off when she became a supplier of ceramic beads to Molo Africa. Its contract with Gertrude enables her to employ two full-time workers, both of whom are single mothers. Her business now supports nine people and there are plans for more business deals between Gertrude and Molo Africa.

Because if you do, I’m going to tell you how.

You MAY not want to read what I’m about to write because it WILL remove excuses you have. In fact, after this very simple tip, you will no longer have the ready-made excuse that perhaps you’ve used in the past. I will strip it away like Dad rips off the warm covers on a winter morning.

The most common excuses that I hear folks offer for not getting off their duffs and starting their investment careers are (1) time and (2) knowledge. (The number one unspoken excuse is fear.) For this article, I am REMOVING the time and knowledge excuses. I’ll get to the fear part…briefly.

Okay, if you’re still reading, here goes…but I warn you. You may not like it.

Turn off the stinkin’ TV!

I mean, avoid it like the plague! It’s robbing you blind. To be precise, it’s costing you tens of thousands of dollars per year if you are like most Americans and tune into TV or watch movies for 1-3 hours a day.

What a country we are. The average American buys a TV and then that TV costs many times more than the cost of the set per year in opportunity loss. We buy, bring it into our homes, and give it a place of prominence, and let it steal from us!

As many of you already know, I boldly say you and I can make an extra $10,000-$50,000 per year on a mere 10 hours a week by rehabbing real estate. I know this because I do it.

A little math…let’s say you watch TV a mere 1.5 hours a day on weekdays, and sports on the weekend at 2.5 hours a day. If you give up all TV, that’s 12 and a half hours a week.

In other words, you can watch a game on the weekends and STILL have 10 hours a week to devote to a real estate investing career.

Let’s say you are someone who is on the LOW end of American TV watching habits and you watch an average of 1 hour of TV a day. (Which means you probably don’t watch sports.) In that case, turning it off means you need to invest a mere 3 hours a week. Do you have 3 hours a week if it pays $10,000-$50,000 per week?

Reality check. If you watch football, you probably watch a college game on Saturday, a pro game on Sunday, and Monday Night football. In that case, that’s a minimum of 7 hours per week of the 5-month season…gone! Many football fans watch more!

So what could you do with that time? Get the knowledge you need to start with. How many books or courses can you work through if you honestly devote 10 hours a week? Since the process of rehabbing real estate isn’t rocket science, it’s a process that must be learned, it isn’t going to take many weeks to be flush with knowledge and ready to put a business plan into action.

There will be a few reading this that don’t watch much TV at all. (You are rare indeed!) Examine your habits and see where you time is going. There is often time sinks that you can capitalize on by changing your habits. Do you surf the net for hours on end? Do you spend 2 hours a day pumping iron.

Or…oh, this one might hit close to home…do you sleep 10-12 hours a day?

Chances are there is a way to eek out some hours by a relatively minor change in habits.

I can hear it already…GIVE UP TV?! That’s not a minor adjustment!

Baloney.

Let’s see how important TV really is to you. There are two ways to think about this.

Approach number 1:

Let’s say I knock on your door and wave ten thousand dollars in front of your face. All you have to do to get it is give me your TV for a year. Would you go for it? What if I offered you twenty grand?

Approach number 2:

Let’s look at what giving up TV would mean to you.

– You wouldn’t be able to talk about what happened on TV last night at the water cooler at work. I mean you could, but you would not have watched it.

– You would miss seeing first hand who beat who to a pulp on the field, or on the court.

– Shows will come and go, and you will have never have seem them.

Perish the thought! You’d miss stuff on TV, but the sun will continue to come up, the Earth spins, and your financial picture gets a lot rosier!

Is the time you spend in front of the TV really worth what it’s costing you? $10,000 or $20,000, or even $30,000 or more…every year?

I’ll go a step further. You could stop watching all your favorite programs and guess what, your life would be unchanged. If you did something positive with that time you spent watching them, your life will be changed for the better.

For you sports fans…Let’s say “your” team wins the championship this year. Does that change your life in any way? Do you get a raise? Do you move into a better house? Does it really change anything that matters? Sure, you get to tell folks that they are “your” team even when they aren’t and nobody on the team knows you from Adam. In fact, if “your” team wins you will probably be even more into them, spend more time watching TV, so the cost to you goes up!

I don’t mean to sound like I’m on my soap box, but there are many folks who need a wake up call. Capturing TV time and using it to your financial benefit is a relatively minor habit adjustment that can result is some serious financial gain. Spend a month learning, then put a plan into action. That’s how things get changed.

My close friends and family know that I rarely turn on my TV. Years ago, I made the commitment to use my time better and since I have improved my life immensely by doing so. So, I want you to know that I am living my own advice. While it’s true that I’ve never seen a minute of “reality” TV, and I prefer to see my sports live, my life is quite different now! I’ll never look at TV the same again!

You can do the same. This minor habit adjustment can mean you take the reigns of your financial future and drive it where you want to go.

I knew some of you would not like it, but there it is…the formula to free up a LOT of time and how to gain the knowledge you need to make this coming year the most profitable yet. Will you do it?

Now, what about the fear part? This article is getting kind a bit long, but I have written a six part set of articles to help in that combat fear. I encourage you to click through to my website and click on the “Nothing Held Back” newsletter. There you will find out how to get the articles, or mini-course I call it, at no cost.

Scorekeeping is one place where software has really come into play. Keeping score on a single game of golf isn’t that difficult, but tracking a series of games and establishing a handicap for tournament play has traditionally been serious business. There are several types of scorekeeping software for golf players and some are even recognized by certain tournament officials to establish eligibility to play.

The options include online sites that are very simple to use. The golfer enters his or her information online and the program does all the calculations. Some golf organizations include the use of this type of program as a benefit of membership.

Evaluating a player’s swing has always been the bane of golf professionals and instructors. Where exactly is the player going wrong? And how can it be corrected? There are a couple of major programs for swing analysis available. Typically, a movie is taken of the golfer while he executes a typical swing. Then the computer software overlays an image of a perfect swing, giving the golfer and the instructor a frame-by-frame analysis. Not only is the golf swing slowed down for a critical look, but it’s easy to pinpoint any problems.

Practice is another area improved by technology. Those who want to practice their golf games often have very limited options. They can go to a driving range or golf course to get in real practice, or they can practice putting in limited space. But the golfer who lives in a crowded neighborhood can now use one of several golf aids to practice swings right in the backyard.

In this case, the answer doesn’t have to be high-tech, though there are some really great technical options. Some golfers use a net to catch the ball a few feet past the swing, though this does at least slightly limit the benefits of practice because there’s no way for the golfer to tell whether it would have been an excellent shot. Some of the high-tech golf aids allow you to see how far the ball would have traveled and the exact path it would have taken.

There will probably never be a time when computerized golf takes the place of 18 holes on your favorite golf course, but there’s no doubt that technology has an important role in golf today.

Entrepreneur SASS

We may have an epidemic among us. At the next networking meeting you attend, wash your hands immediately afterward – maybe five times for good measure. Despite medical evidence to the contrary, a previously thought incommunicable disease is spreading faster than copies of Who Moved My Cheese?

The disease is Short Attention Span Syndrome, or SASS.

Perhaps someone you know and love is affected. Perhaps you yourself have noticed some of the following symptoms.

-Shifting in your seat and coughing just a little too loudly during a boring meeting.

-Saying to your significant other, I’m sorry, honey, could you repeat that? I wasn’t paying attention.

-Going to sleep while mentally rifling through a mile-long to-do list

Many with these symptoms joke, “I must have ADD!” However, only 4 to 8 percent have the genetic condition referred to as ADD – more correctly termed ADHD, – which is present from birth and, while treatable, is permanent. The dreaded disease of SASS, on the other hand, develops over time.

Symptoms begin to appear around the teenage years and slowly accelerate until they become a frenzy of activity and mental noise. SASS is viral. It passes from manager to employee, from spouse to spouse, from parents to children and from children to parents.

Most common is the passing of SASS from entrepreneurial types: business owners, risk-tasking executives, sales professionals, visionaries. Entrepreneurs develop SASS themselves, typically in the incubator of their own ever-changing minds. While most everyone has a lot to do, entrepreneurs have the tendency to pick up a lot more “To-Dos” than the average person. They then pass the virus on to those around them.

Entrepreneurs pass SASS to their employees in the form of altered objectives, multi-tasking, bold initiatives, training meetings, revised agendas, organizational restructuring, innovation after innovation, and of course, more meetings. They pass it on, unable to listen to the comments of others as they continue to create more to-dos in their mind.

Then they return to the quiet of their own homes and continue to think about more changes and more To-Do’s deep into the night. They are often oblivious to the peas and carrots on their plate and the 8-year-old wanting to play Bob the Builder.

There is hope. SASS is a curable condition. Those afflicted by SASS usually have developed an altered sense of reality. Recommended therapy is as follows.

First, have the subject look in a mirror. Ask them, How many of you are there? Sometimes, the SASSy individual thinks outside the box to the point that they insist there are two of them. In this case, have them repeat 50 times the phrase, “There is only one of me. There is only one of me.”

Second, have the subject look at a clock. At the beginning of a minute, ask the subject to count each second as it passes. At the end of the minute, as them how many seconds there were. If the number is anything other than 60, repeat this exercise 59 times. At the end of the hour, ask them how many minutes there were. If necessary, repeat this exercise another 23 times and ask them about hours in the day.

Finally, find the subject’s calendar. They may have more than one calendar. Explain to them that, since there is only one timeline in the real world, they can only have only one calendar. Next, look for double-bookings. Again, explain to them in a firm but loving tone that, since there is only one of them, they can only be in one place at a time. If travel time is not properly scheduled, explain to them that, since faxing one’s self has yet to be invented, they will be unable to magically teleport from location to location.

As therapy continues, SASSy entrepreneurs will gradually overcome their delusion that their disease makes them more productive. They will come to learn the truth of the proverb, “man who chases two chickens catches none.”

There is hope for the SASSy entrepreneur. With your help and the help of professionals, they can and most often do come back to reality.

2004-05. At present, it has 7 million debit cards and 5 million credit cards. …

People will always need credit cards; it seems the average person has about 4 cards in his pocket, a card for gas, a card for a major department store, a card for groceries, a card for jewelry, and a couple of cards as spares just in case cash is needed and in short supply.

Now if you have a website, ANY type of website, you can become an affiliate for one credit card company, or up to 100 credit card companies, for absolutely free!

To give you an example as to what is available:

You can feature more than 100 credit cards with several companies by just placing a simple link on your web page for free.

These companies will also help you set up your website.

Credit Cards offered are Visa. Mastercard and American Express.

Commissions to you when somebody fills out an appication range from $20 to $80 for an approval.

They provide affiliates with all credit card content, such as reviews, ratings, APRs, fees, etc. All information is provided FREE to affiliates to incorporate into their websites.

Some companies will actually supply you with access to a database which consistently updates any information that may change such as interest rates and terms and conditions.

There are at present numerous different types of cards the majority of which fall into 2 classifications:

Credit Cards based on good credit history.

Interest and transaction rates should be relatively low.

Credit Cards based on not so good credit history.

Interest and transaction rates will be relatively high.

It would be perfect as an affiliate to be able to offer both.

In order to convince people to subscribe to a certain credit card you can actually promote on your website various types of rewards offered by the credit card companies.

A prime example of rewards of course are airmiles.

“Get 15,000 miles free when you apply for this particular credit card.”

How about these rewards:

“0% intro APR for 15 months.”

“Instant approval”

“5% cash back”

“Free movie rentals”

“Bad Credit OK”

“Low Interest”

“Purchase and transfers at 0%”

“Free rewards program: Home, electronics, dining, travel and more”

” 5 points for every $1 spent at supermarkets, drugstores & gas stations:”

” Earn 1 point for every $1 on all other purchases”

” 0% APR on balance transfers for 12 months”

” No annual fee”

“auto rebate cards”

Faster Cards

There are now new cards , where cardmembers simply hold their card near a point-of-sale reader at a checkout, instead of swiping their card or handing it to a store employee. As cardmembers hold their card with this feature near the point-of-sale reader, the reader will quickly emit a tone and light up to signal payment confirmation.

“We believe the innovative cards with this feature provide merchants and cardmembers with the increased speed and convenience they want at the point-of-sale,” said a senior vice president of a company’s credit card division.

“With this feature, cardmembers can save time when making their everyday purchases.”

So you could use any of the above incentives to promote your affiliate credit card link and earn additional Internet Income.

Motivation

You have to really want to become a computer consultant badly. Think about anything you’ve ever really achieved in life. Whether it’s graduating from school or passing a test. Maybe it was getting your driver’s license, getting married, maybe buying your first car or home, maybe becoming a parent.

Whatever it is, it took a lot of motivation and determination. There’s always going to be ups and downs, some tough days and some tough weeks, but in most cases it’s probably going to be well worth it in the end. There are tools and tips you can use, but ultimately the drive and the desire has to come from within.

Step By Step Plan

The second part is knowing the key steps that you need to do week by week as you get through your first few months. You need to know what to get for your office, what to have in the car with you, what to do when you’re setting up credit policies, what to do to scope out the competition, what to charge, who to network with, who’s worth sucking up to and know who you’re wasting time with. All these things can be taught.

You’ll need to figure out your expenses, what you need to bill out at, how to organize everything, what to buy, and probably just as important, what not to buy. You’ll need to figure out how to work more efficiently, get paid for your time and get paid well for your time working as a computer consultant. The great part is that these are all very teachable things.

You Can Become a Computer Consultant

If you manage to master various software applications and network operating systems and hardware devices over the years you can definitely get your hands around a handful of important business skills that you need to become a computer consultant.

If you are searching for the best clone golf clubs, there are a number of things you should be aware of. This is where the real value comes in to play when talking about golf equipment deals. Do not be mistaken by thinking these are low-grade clubs for the beginner golfer just because they are offered at a third of the price of top selling gear from companies like Callaway, Ping and comparable gear. The best clone golf clubs are made using the same top quality materials.

Whether you are in the market for irons, wedges, putter or woods, buying the best clone golf clubs may very well be the best option for you. If you are the type of person who doesn’t give in to popular brand names, but stands by quality and performance, then the low price you will pay for clones will be a big bonus. These clubs are designed to look, feel and perform like the top brand named clubs, but will come to you at up to a third of the price.

Many times, the best clone golf clubs can be custom fitted to your body style and swing. Having them tailored to your specifications will ultimately give you optimal performance on the golf course where you demand it the most. Please take the time to research what clones can do for you before you go out and purchase a set of expensive clubs that may not be right for you, you’ll be glad you did. It can save you a lot of money and a lot of unnecessary strokes.

Basic Business Plan Outline

List your business credentials – why are you qualified to start this business and sell your products and services?

List your staff: Is it going to be just yourself, or do you have a definite plan in terms of when you are going to hire sales, technical, or administrative staff?

Project revenue: Will you be selling services, products, or a combination of both?

How much revenue will come from products? How much profit will come from products?

How much revenue will come from services? How much profit will come from services?

Sales and marketing plan: outline your major sales and marketing activities – the things that you’re going to do to bring in key, sweet spot clients. Talk about what you’re doing on a month-by-month or week-by-week basis. How much time you think it’s going to take up and how much money you think it’s going to cost to execute.

Operations: Where will you be located? Home office or rented space? How will you get to your clients’ places of business? Personal car or leased vehicle? Will you need to rent facilities from time to time for meetings, seminars, etc…

Finance: What capital do you need to start? Where will you get this capital? Where will you get additional capital during your first year in business?

Salary and Payroll: What are your expectations for your personal salary or drawings. Do you have to pay staff as well?

Expertise of principals: What makes you and/or your partners qualified? What kind of skills and experience do you bring to the table that will be of valuable to this business venture and valuable to the clients you want to pursue?

The Bottom Line On Business Plan Outlines

Business plan outlines can be as detailed as you want. The most important aspect is that your business plan outline covers off the basics. Make sure the business plan outline you adopt allows you to answer the five W’s and provides you with a plan for how you will start and operate your business.

In fact for some their game has consistently gotten worse whenever they try to implement stuff that they learnt from a golf swing video somewhere. So the truth of the matter is that there are many golfers who do not believe that a golf swing video can have any sort of impact in a golfer’s game or even its’ quality.

There are several reasons for this. For instance there is no way a golfer can perform consistently or even hope to see their game gradually improving, without being physically fit or at least golf fit. The truth of the matter is that the game has changed tremendously in recent times.

For example the trend towards larger club heads and therefore heavier ones has put additional strain on the required physical strength and endurance that a typical golfer requires to perform at any level and not just the highest. Is it any wonder that the golf swing video does not impact most games?

The fact is that the golf swing, for example is a very unnatural swing action to the body. In fact the more unnatural it is, the better effect and results a golfer will tend to have.

This is the reason why it is usually difficult for most golfers to implement the swing techniques they view frequently in golf swing videos. There really is only one effective solution to the problem and that is exercising and conditioning the golf muscles in the body to find the golf swing as natural as possible.

This can easily be achieved by enrolling in any golf-specific exercise program carried out by somebody who is qualified and knows what they are doing.

That’s really the only way a golfer can fully benefit from the useful advice and techniques available in most golf swing videos.

The controversy stems from interpreting where the ball last crossed the water’s edge. Since the decision affects where you take a drop, it makes sense to have a good understanding of the rule, especially if a match is on the line or your working on a personal best.

The Rules
Golf’s rules define a water hazard as “any sea, lake, pond, river, ditch, surface draining ditch, or other open water course (whether or not containing water), and anything of a similar nature.” Courses mark water hazards with yellow stakes and lines. But the rules don’t stop there, as I mention in my golf tips and during my golf lessons; they also discuss a lateral water hazard.

The rules define a “later water hazard” as part of a water hazard “so situated that it is not possible, or is deemed by the committee to be impracticable, to drop a ball behind the water hazard in accordance with Rule 26-1b.” In other words, it’s a water hazard that doesn’t lie between the tee and the green. The course marks these off by red stakes or lines.

The Remedies
If you hit into water you do one of four things:

1.You can play the ball as near as possible to the spot from which the original ball was played.

2.You can drop a ball behind the water hazard, keeping the point at which the ball entered the water’s edge, directly behind the hole and the spot where the ball is dropped. There’s no limit to how far back the ball may be dropped, as long as the point of crossing lies between the drop and the hole.

3.You can play the ball as it lies in the water hazard.

4.If a ball goes into a lateral water hazard, you can drop a ball away from the hazard but within two club lengths of the point from which the ball last crossed the water. However, the ball can’t come to rest any closer to the hole than the point at which the original ball crossed the hazard.

The Controversy

A major source of controversy is establishing where the ball last crossed the hazard, not where the ball entered the water, which could be relevant in situations in which where a ball lands on the ground, then rolls back into the water.

The easiest way to deal with this type of problem is to determine the point where the ball was last on, or over, dry land, before it crossed the hazard. Next, determine if the point is between the red or yellow stakes. If it is, you can decide on the best course of action from that spot.

The additional dropping option for a lateral water hazard, however, means that the ball can sometimes be dropped on either side of the hazard, as long as it is within two club lengths of where the ball crossed the edge of the hazard and no closer to the hole. That can make a difference when you finally determine where to drop the ball. Unfortunately, no golf instruction can help you make that decision.

Hitting out of the water is rarely an option—and it’s not a choice I recommend in my golf lessons and golf tips—but it has been known to happen. Payne Stewart chose to play the ball from a water hazard during the final hole of his 1989 Ryder Cup Match with Jose Maria Olazabal. The attempt failed and he lost the hole and the match. Think carefully before choosing this option.

Grounding the Club

If a player chooses to hit from the water hazard, he or she can’t ground the club at any stage of address. Grounding the club may be unintentional, but it’s still a breach of the rules and subjects the player to a penalty—two-strokes in medal play and the loss of the hole in match play. The rule resembles that covering the grounding of a club in a bunker.

Knowing the rules governing water hazards won’t necessarily lower your golf handicap. But it will give you an idea your remedies next time you hit into the water. Since you can be penalized for violating the rules, think carefully before deciding. If you’re in a tournament and you’re confused about what to do, don’t hesitate to talk with officials.