Working to Make Money on the Internet

Well I am at the moment working on the secrets for earning money on the internet.

I am actually doing a little every day go look at my website and see how you feel we are doing. www.rayteret.com

From Innertrack to Knowing your finances and Making Money Safely

2007 – WHAT A GREAT YEAR IT WAS, Hey? Barry Tyler what did you think


Whilst most people see New Year celebrations as a time to look forward, I seem pre-programmed to see New Year as a time to look back.
Fortunately 2007 was a great year, so please don't feel sorry for me.
Despite the doom and gloom that filled every newspaper over Christmas and the New Year, at the end of the day, it is how well you fared that matters most.
This newsletter promoted some pretty basic ideas over the past 12 months – but ideas that have made you a lot richer if you have followed them. Reduce your debt, avoid the stock market, invest wisely in property and, oh yes, keep any spare cash in gold. Well for anyone who listened it has not been a good year, but a fantastic year.
My property portfolio in Cyprus rose by 14 per cent.
My property portfolio in the UK rose by just over 6 per cent.
All of my rent adjustments this year have been up. (Equally important I only had one void).
Gold rose by a staggering 30 per cent in the last 12 months. Silver also made excellent gains and finished the year up 15 per cent.
My decision to get out of commercial property in late 2006 also proved to be a winning bet as the sector collapsed around my ears.
Meanwhile, the FTSE 100 went nowhere and finished the year up a mere 0.38 per cent, only just in the black. Considering its lows throughout 2007, that was quite a good result. (For those of you who get confused by the spin, the FTSE 100 has only achieved 15 per cent a year over the previous 5 years, 3 per cent a year will not make you rich).
By any standards this newsletter had a phenomenal year.
Whilst the media is obliged to lick its wounds for its inaccuracies over the last 12 months, this newsletter can stand proud. Anyone who bothered to take these newsletters seriously and acted upon them, rather than considering them as entertainment, will have finished the year in much better financial shape than they started. If you paid off your debt, if you invested in "the right property, at the right price, in the right location", if you bought gold or silver, if you kept away from the stock market – then crack open a bottle of champagne and pat yourself on the back.
And there's plenty more where that came from I can assure you! Those who buy wisely in 2008 will be the next property moguls. I predict gold will continue to rise past the $1,000 mark and that property in the right areas will continue to do well, yes, even in the bad times.
What is strangest of all, is the fact that we are the very people who would not be phased, or indeed surprised, by a bad year. Not at all - in fact we expect it.
We know that markets go down as well as up but, and I don't know how many times I have to say it, we take a long-term view. Buying on the dips will always ensure you beat the averages and that is exactly what I intend to do.
We know the media will make out that things are better, or worse, than they really are in order to sell papers, well, to sell advertising space really, but that's all part of the circus.
We also know that a lot of people will get it wrong and lose money.
More fool them - and if they want to sell at a loss, then their loss will be someone else's gain. Hopefully ours.
I don't want to sound superior, but the two big stories of the last two weeks have been:
Shoppers spend 9.9 per cent more this December compared with 2006. UK consumer spending increased to £34.1 billion on credit cards in December alone.
People are worried about debt more than ever. Home repossessions are expected to rise and personal bankruptcies expected to soar. In Liverpool, research by debt agencies shows that the average liability of those seeking help has doubled since 2002 to a whopping £50,000.
How does that work exactly? How can people be spending so much more on their credit cards if they are worried about their debts?
The answer, of course, is that many people simply cannot manage their finances. They have survived the last few years thanks to easy credit – now they are learning a lesson that our parents and grand parents always knew. You cannot spend yourself rich.
You only learn how wide your car is when you scrape it down the side of the garage. The only time that many people learn how to balance their finances is when they lose their house. The only thing they ever bought in their entire existence that ever held its value.
The problem is most people do not have a strategic plan, nor the discipline to stick to it if they had one. Without a plan it's a little like going on a journey without a map. How can you be surprised when you end up in a place you weren't expecting to be when you had no idea where you were going.
But every cloud has a silver lining.
One in four people in the UK live in rented accommodation, and for every tenant - there has to be a landlord.
Of course the biggest idiots of 2007 were the banks who lent money to people who could not afford it. This time last year, the average man in the street had never heard of sub-prime mortgages. Now every one is an expert.
In promoting the benefits of financial freedom I have promoted one thing above all else – pay off your bad debt. If there are any new readers out there who haven't yet got the message, you had better get on board quickly.
Anyway, enough of the crowing - what about the year ahead?
Regular readers will know that I have no crystal ball, but nor does anyone else either.
If you bothered to keep the forecasts from this time last year then you will know this only too well. Who forecast the credit crunch? Exactly! No-one.
Despite all the claims, your guess is as good as the next man's, probably better if he is being paid for his prediction. Never mind what the financial markets will be doing in 12 months time, we can't even tell what the weather will be doing in ten days time.
Yesterday's newspapers informed me that the long-range weather forecaster Weatheraction was predicting the coldest mid- January for 20 years, with temperatures as low as minus 17 degrees centigrade.
Today, I am told by the Met Office that it thinks this year we might have, “an extremely mild winter”. As Billy Connolly said, "If I want to know what the weather's doing I should look out of the window”.
There is no doubt that 2008 will be a bad year for many people. Those who have continued to build up massive debts over the last 12 months will start to feel the pain. What goes round comes round and eventually all debt must be paid back. The big question is who will be paying back that debt? You, or your tenants? – there is a massive difference. Within six months the view on interest rates has changed from two or three rises, to two or three cuts. How quickly the wind changes direction, and what better example of how little the 'experts' understand the financial markets.
It is against this backdrop that you and I must seek financial freedom.
We need a plan.



THE GRAND PLAN FOR 2008


Survival comes easy to mankind – so don't think a plan for your own survival in 2008 will take a great deal of effort – it won't. You just need a basic plan and you need to stick to it. By definition that will exclude a great many people, since most people can't stick to anything they say – I just hope you are not one of them.
Let's kick off with the strategic plan – we'll look at the tactics later.
First of all, take responsibility for your own financial well-being. I don't care whether it is Gordon Brown or the Captain of the Titanic shouting out the orders – I will walk to the beat of my own drum. You must take ownership for your own financial future.
Secondly, prepare to be in the minority. Accept that the lunatics are running the asylum and you will take a totally different view on how you see the world. Following the crowd rarely leads to success in any walk of life.
Do not hide from your personal finances. Just getting by, month to month, is not what success looks like. Sometimes it takes a financial shock to bring people to their senses, but far better if you can do it when you are not under pressure. Pay off all your bad debt.
Do not pretend it will get better – it won't. If it hasn't got better in the last five years why should it get better in the next five years. Take action to change your thinking, to change your habits and the results that you have got used to.
Analyse your habits. Your habits define not only who you are but what you will achieve in life.
Aim to double your personal wealth every seven years. By focussing on the big numbers you will stop wasting valuable thinking time concentrating on Bonus Points and saving 2p on a litre of fuel. Looking after the pennies does not make you rich, it just means you have a jar full of coins at Christmas.
Be all that you can be – above all else, do that - be all that you can be.
Thank your God, or someone else 's god if you haven't got one of your own, for the good things in your life, particularly your health and your family. Money buys a lot of things, but it doesn't buy everything.
Those paying attention will realise that these are the same strategic goals as we had last year. I make no apologies for that. After all, they are the same strategic goals we had the year before as well, and the year before that.
Only the tactical plan will change in order to exploit the prevailing conditions.
Over the next 12 months I will be looking at the tactical plans we can put in action in order to achieve our strategic goals.
I don't know about you, but I plan to have a lot of fun along the way as well.



THE SIMPLE WAY TO AVOID IHT ON YOUR HOME.


OK, we've looked at the strategic plan, but what about the tactical plan?
What can you do to make a difference? Every week I will be exploring different ways in which you can make a real difference to you, and your family's wealth.
You don't have to be a genius to realise that there are only three areas you can work on:
Don't spend so much money.
Make more money.
Don't pay so much tax.
Simple huh? So what's all the fuss about?
Last year I wrote an awful lot of stuff for all you multi-millionaire readers out there, in particular, lawful tax reduction and off-shore planning. This week I want to look at ways of saving tax for those of slightly more modest means.
Say, the house you live in is worth half a million pounds. How can you pass this on to your beneficiaries and avoid paying Inheritance Tax?
It has always been said that IHT is an optional tax, a little bit of planning and you should be able to avoid it without any complex off-shore arrangements or complicated financial structures.
At the moment, if a husband dies (note the bloke always goes first in these examples), leaving a house worth half a million pounds to his wife, there is no IHT to pay simply because transfers between husband and wife are tax free.
But when the wife subsequently dies, she will be taxed at 40% on assets above the current threshold of £300,000. This means there will be a bill to pay of 40% of £200k or £80,000.
However, a simple discretionary will trust will ensure that both the wife's and the husband's allowances are used up ( each party has a £300,000 allowance ), and there would be no tax to pay. The same would be true if the property were worth up to £600,000, making the most of the allowance, but above that tax would be payable on any additional amount.
In order for this to work, the property must be owned as tenants in common rather than joint tenants. This requires very little effort to set up and can be done at the same time as the discretionary will trust is set up.
I have had several emails relating to this question, in particular whether it can be set up retrospectively. You may be surprised to know that the answer is yes, it can. In fact, a discretionary will trust can be set up any time up to two years after the death through a deed of variation. Effectively, the beneficiaries of the estate are re-writing the will. It goes without saying that all of the beneficiaries must agree but it is highly unlikely, bearing in mind the tax-savings, that anyone would object.
If this is of use to you, I would not leave it to my heirs to re-write the will. First of all they may not know about this opportunity and secondly, there is always the chance that the Chancellor will revoke the 2 year rule. Far better to set it up now while you can still remember which way round to put your pants on.
Judging by the emails I get, there is a huge misconception in this country that if you give your home away to your children but continue to live in it, you can avoid inheritance tax. I'm afraid that this is the case of a little knowledge can do a lot of damage. I will be going into this matter in great detail next week when we will look at the rules that apply to such a transfer and whether the tax man will accept it as a lawful way of avoiding IHT. I'm afraid there will be a lot of disappointed readers out there.
That's all for this week. I shan't wish you a happy new year – instead of relying on a few worthless words from me, I expect you to go out there and make it a good year both for you and for your family.
Here's to a fantastic 2008.

WoW !!!!! Grab on to The Success University Roller coaster

WoW It so unbelieveable how fast this Success University is Moving round the world

http://raymondo.successuniversity.com/Welcome.aspx

This is one of the Wonder Quotes in this world that put me on this course of learning................

"I kept six honest serving men. They taught me all I knew. Their names are What and Why and When and How and Where and Who." – Rudyard Kipling

Here is another that I learned at the Marriot Hotel in New Orleans at an NSA Meeting that filled my garage with water filters prior to the UK Personal Council Tax coming into action.

Wonder Quotation from the genius Zig Ziglar, to keep you to following any promise that you make to yourself...

"Commitment Is doing the thing you said you would do, Long after the moment of exitement in which you said it, has gone". Zig Ziglar

http://raymondo.successuniversity.com/Welcome.aspx

Merry Christmas and here's your present from me

Christmas time is here again, I've only just finished my Easter egg and put my Whit suit away unpacked my holiday bag and taken off my Halloween mask and now I've got to start thinking about presents for everybody around the world that I know, I have to confess its been a bit of a difficult thing to work out but you know what, as always, I think I've sussed it. http://raymondo.successuniversity.com/Welcome.aspx
What i thought i would do was to think in my head what you wanted most ,and its occured to me that in most cases people want health wealth and contentment.
You know how to be healthy, because we are building the http://www.slimtea.co.uk/ website
and we'll soon be adding great information and secrets that I've found out, that keep me so slim sexy and beautiful.
And so all you need now, is wealth because with health and wealth how can you not have contentment, its just not possible unless you're some kind of selfish fool who is a taker and not a giver

Along this fantastic life that I am having, and trawling along this path of living I've discovered that no matter how much money you've got if you're ill and very unhealthy you certainly would swap the lot, every last gold bar you own to be able to skip, and once you have got your health back and you're mind is in perfect form you then have as I said before contentment.
Well anyway that is my finding and I'm sticking to it
So lets get back to your present..
As is in the present, your present is now the present, what do you think about that?
Here we go http://raymondo.successuniversity.com/Welcome.aspx

A couple of months ago I attended a fantastic seminar in London at the Isis hotel in Earls court and spent 5 days there learning learning learning learning...
filling my head with loads of brilliant, property, finance, wealth and health and internet knowledge and so for your present I'm going to pass it all onto you.
Let me just impress on your head that you need to go to this site and look at this, don't just dismiss it because this has every chance, I guarantee you, of being massively successful.

Its flying across the world like a massive tidal wave and I'm right in the middle of the water.
Don't be afraid jump in and swim with me, because this is going to be one of the best things you've ever done!!

This is the amazing new company that I told you about that I joined this year. In 4 months it has entered 80 countries, listen to the audio and then watch the video then contact me, this is getting bigger as we speak and will, if you listen to me, teach you a great deal and make you a large amount of money Love Ya. Ray
07828 196629

This is what is on 1 2 & 3 Dec at the Isis at Earls Court London

http://raymondo.successuniversity.com/Welcome.aspx

13th of October in the Uk is beautiful

So here we are in OCTOBER, my birth month, which for some reason chills me down and puts my thinking cap on

It is a time I think of my family and remember that all my close family are not that close physically,as they are 3,000 miles away in Canada, tough in one way blowing out a candle without the family though they are with stillme in memory as clear as daylight as my mind races through our childhood times together. Is life always so wonderous people ask me? Yes I say if you stop to enjoy it. Happy Birthday to me..............

My first holiday this year is to be in Blackpool, YIPPEEE!!Lets go!

It's Wednesday 12th having crawled out of bed this morning at 7 am and working to get my program sorted for Sunday, it is now 2:50 in the afternoon. The Thermos is filled and packed and Marmite sandwiches in hand the hood down on my little convertible (four seater of course!in case we meet anyone nice on the way.) So we're off up the road to the M60 motorway, foot down to the coast. As you know were going to join the M6 in a minute, to all the locals known as the West coast Highway a bit of excitement for this little car next to all these huge trucks blasting onwards. Okay we have been going for nearly half an hour so have to have a wee stop in fact I think that is a wee wee stop! One of the worst nightmares in the whole world is passing a service station then realising you needed to go to the loo, the second worst thing is realising the next service station is 27 miles away and it's no fun holding your breathe and trying to drive with your knees together, clenching your buttocks. Luckily this time we have done a safe landing at our chosen service station, which is Charnock Richard, and here we are in the car park cheating a little drinking my coffee and saving about £5 and eating my Marmite sandwiches, and not only that. my travelling companion CA, is playing mother. So I don't even have to pure it! OK now you won't believe this next bit, I went into the loos and I asked a man who worked there, "Where the horse had gone, had it escaped?" he looked at me like I was mad and said,"What do you mean?" I said "have you never been in the gents toilets?" it stinks like a stable that has never been cleaned out it has the acrid smell of nasal horror! Worse than acid and vinegar. He was a bit distressed and said he hadn't noticed, whereby I advised him to ring his local hospital for a nose test, worst toilets I've ever been in. As Nadia who is typing this says "The boys toilets always smell bad!" I told her to stop going past boys toilets.
So, onwards to the motorway to Preston excited to see the tower on the way, we have seen five towers so far, false alarms,all pylons in the distance! It's a brilliant drive to Blackpool with the Moo cows in the field and great big circular hay bales wrapped up in black polythene bin bags so it looks like a field full of liquorice all sorts!I must buy some when I get into Blackpool, not had any for ages. I like it when you arrive at that roundabout with the three big silver metal clowns/harlequins on the centre. As I scooted past quite fast I'm not really sure what they are! But they look very nice, I love them. And now it's up to the OPPPS I forgot to say as we came up the motorway under the bridge just on the right We saw the tower, I was 2nd to see it.TUT! TUT! Ok, then we were down onto the shore line to the beach and right at the place the glass upside disco ball that spins round opposite the Energy centre and two windmills. YIPPPEEE were in Blackpool.And I have just realised it's Blackpool lights on tonight, well actually they have been on for ages I have only just remembered not over smart me! Ok! more coffee from the flask another fiver saved, we have saved £10 on coffees so far. And not only that it's not half as nice when you buy it, when you made it it's your coffee, your milk, and made just how you like it!Right or wrong?!Right so the plan is to park here opposite the silver ball, so if we have a drink will know where the car is. Not that we will have a drink cos were driving and we won't get squiffy on coffee! Ok lock the car up and put all valuables in the boot and the coffee for later.It's a lovely sunny day it's absolutely gorgeous.
The plan is to walk down to the tower, which we can see is about two miles away, along the way we will mooch through the Amusement park and see all the new rides and first of all buy some candy floss in a bag, and walk right down the front looking at the sea, sights, people and seagulls. Last time I came to Blackpool a man was selling seagulls on the front, for a pound each, real live ones. So I gave him a pound and said, "I'll have a seagull please, which one is mine?" He pointed to the sky and said, " That one!"
Now the most important thing you should do, no matter who you are in Blackpool, walk down the front is have fish, chips and peas and a cup of Blackpool tea, watching all the people as they walk up the front, that is Blackpool!So I managed to talk myself out of going on the Big One again, luckily and the big circular thing mushroom thing that you sit round and flys you up into the air with a big WHOOSH then drops you down again. I ducked out on that one as well. We walked along enjoying the ambiance until we got to Central pier, with the beautiful big wheel on it and those scary elastic band things, that flirt you up into the sky. I was stunned to notice that it was only £20 to stay for bed and breakfast on the front in those lovely hotels or £72 for 5 nights and kids go half price!Fantastic deal that is. So on with the next plan, MUST buy the bargain sticks of rock to bring back for the friends and the bargain wooden roses which are beautiful. And I also wanted a new leather man bag, I got so many keys, bits of paper, pens, credit cards and money, Oh and my chewy and mints, two Mobile phones, cheque book and all the other nonsense which I never used to carry. Now I need a bigger bag, my other bag has gotten to small.So we went into one of the underground shopping areas and I brought a fantastic Spanish leather one from a lovely lady who said shewas 200 years old, who also supplied me with a beautiful leather credit card holder, so that means I'm going to have to apply for another ten cards with free interest, and loads of cheap money to borrow (I think not! Thank you very much!)
Then we walked along to the tower which now dares you to go the very top and stand on the glass plate and look down to scare yourself to death looking at the pavement about 50 miles below. Take my advice save the £12.50 and go to Manchester to the new Hilton Hotel and go up to the Sky bar, get yourself a drink and go and stand on their scary glass oblong floor plate and look down below, its just as scary and it's free! Which as you know is a great reason.
So we got Fish and chips, found a bench over looking the sea and ate them on the front making sure that that I didn't get mugged by the seagulls, big as Eagles they are and very cheeky, it was a a casual walk back to the car along the breezy front wondering at all the beautiful lights.
Once in the car we drove along the front south shore to North shore and back again taking pics of the illuminations. Blackpool be proud you did a great job again.
I got to bed eventually at 10 am Thursday Morning, Tiered boy but well contented. That was my ten hour summer holiday for this year. Life is good and I am really excited to be on air on Sunday at 2 pm and the show is ready to go. Great. Ug

The People of Stoke on Trent are amazing it must be the air PHEW!

I started my day at 6 am Tuesday Morning and It is now 10 past Midnight Wednesday Morning, woweeee I have just arrive to drop into my cushioned pit to dreamsville. I can hardly keep my eyes open so let me say sorry cos I am going to sleep and this will be just a few tiddley words. We Went to Stoke on Trent to day to the council offices I was fantastic the people that run it are so special kind and helpful, they all smile and help well beyond their call of duty. Thank you all.
Outside in the blazing sun later t'was like being on holiday. Then to Hanley to BJb to pick up some keys, all hi, hello, welcome and smiles like old friends, Amazing. Then on to Cobridge to a fantastic Community Center where we just kept laughing and talking with the reception lady Jane and Carol the cleaner, more fun than a day at the seaside, they have Rock n roll dances, long leg fancy dancing nights and wild 60s party nights!! unbelievable and we got a guided tour we got and laughs and smiles and help and directions, God Bless Stoke on Trent and your lovely 5 towns people I can't fault you, I come home this eve tired and happy. My driver Andy Mcdoo the Scots Juggler was so impressed he never stopped talking about the hospitality all the way home. I say "forget the coast" every day is a holiday in Stoke. Love ya and I will see you again soon Ugli