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The letter "R" stands for Revelation. As you read this today, get a Revelation! It's your responsibility...no one else's. It doesn't matter who you are, where you came from, how much money you have...get a Revelation. YOU can and will create Miracles!

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I even called a micro-lender in late December. They wanted several years of tax returns, a formal marketing plan, a long application filled out, and collateral. They'd even accept cash as collateral. Wait, what? I wasn't born yesterday. I'm not going to give cash to someone so that they can turn around and lend it to me at a significant rate of interest.

Another time I went through an ebook that had not been cheap to buy and it just didn't contain too much I didn't already know. I was just about to ask for a refund (and no,I don't do that often, only a few times EVER) when I decided to look again at the ads that made me bite on the offer. The seller had not misrepresented anything. And his offer and presentation were not "junky". I simply had learned more about the subject than I thought and hadn't realized it. Good for me! The additional value for me then became studying what was very good ad copy. I didn't ask for that refund.

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avoid paying California income tax withholding CAlculator income tax To become a champion, you must be willing to educate yourself or be educated, to read about, learn and absorb all the things you need to know, even if they are completely new to you.

The AmEx collection rep was professional and firm, but relentless. She even suggested I skip a mortgage payment in order to pay them instead. (I declined) Some time in January, we reached a standoff, and finally she called in her manager who quickly offered me a work out plan to pay them over two years. A ray of light at the end of the tunnel. I tried not to sound too eager when I said yes.