FREE MONEYS TIPS

We Teach You Till Billionaire




For all of his years in the spotlight at the helm of Apple, Steve Jobs in many ways remains an inscrutable figure — even in his death. Fiercely private, Jobs concealed most specifics about his personal life, from his curious family life to the details of his battle... with pancreatic cancer — a disease that ultimately claimed him on Wednesday, at the age of 56.

While the CEO and co-founder of Apple steered most interviews away from the public fascination with his private life, there's plenty we know about Jobs the person, beyond the Mac and the iPhone. If anything, the obscure details of his interior life paint a subtler, more nuanced portrait of how one of the finest technology minds of our time grew into the dynamo that we remember him as today.




1. Early life and childhood
Jobs was born in San Francisco on February 24, 1955. He was adopted shortly after his birth and reared near Mountain View, California by a couple named Clara and Paul Jobs. His adoptive father — a term that Jobs openly objected to — was a machinist for a laser company and his mother worked as an accountant.

Later in life, Jobs discovered the identities of his estranged parents. His birth mother, Joanne Simpson, was a graduate student at the time and later a speech pathologist; his biological father, Abdulfattah John Jandali, was a Syrian Muslim who left the country at age 18 and reportedly now serves as the vice president of a Reno, Nevada casino. While Jobs reconnected with Simpson in later years, he and his biological father remained estranged.

2. College dropout
The lead mind behind the most successful company on the planet never graduated from college, in fact, he didn't even get close. After graduating from high school in Cupertino, California — a town now synonymous with 1 Infinite Loop, Apple's headquarters — Jobs enrolled in Reed College in 1972. Jobs stayed at Reed (a liberal arts university in Portland, Oregon) for only one semester, dropping out quickly due to the financial burden the private school's steep tuition placed on his parents.

In his famous 2005 commencement speech to Stanford University, Jobs said of his time at Reed: "It wasn't all romantic. I didn't have a dorm room, so I slept on the floor in friends' rooms, I returned coke bottles for the 5 cent deposits to buy food with, and I would walk the seven miles across town every Sunday night to get one good meal a week at the Hare Krishna temple."

3. Fibbed to his Apple...,, co-founder about a job at Atari
Jobs is well known for his innovations in personal computing, mobile tech, and software, but he also helped create one of the best known video games of all-time. In 1975, Jobs was tapped by Atari to work on the Pong-like game Breakout.

He was reportedly offered $750 for his development work, with the possibility of an extra $100 for each chip eliminated from the game's final design. Jobs recruited Steve Wozniak (later one of Apple's other founders) to help him with the challenge. Wozniak managed to whittle the prototype's design down so much that Atari paid out a $5,000 bonus — but Jobs kept the bonus for himself, and paid his unsuspecting friend only $375, according to Wozniak's own autobiography.

4. The wife he leaves behind
Like the rest of his family life, Jobs kept his marriage out of the public eye. Thinking back on his legacy conjures images of him commanding the stage in his trademark black turtleneck and jeans, and those solo moments are his most iconic. But at home in Palo Alto, Jobs was raising a family with his wife, Laurene, an entrepreneur who attended the University of Pennsylvania's prestigious Wharton business school and later received her MBA at Stanford, where she first met her future husband.

For all of his single-minded dedication to the company he built from the ground up, Jobs actually skipped a meeting to take Laurene on their first date: "I was in the parking lot with the key in the car, and I thought to myself, 'If this is my last night on earth, would I rather spend it at a business meeting or with this woman?' I ran across the parking lot, asked her if she'd have dinner with me. She said yes, we walked into town and we've been together ever since."

In 1991, Jobs and Powell were married in the Ahwahnee Hotel at Yosemite National Park, and the marriage was officiated by Kobin Chino, a Zen Buddhist monk.

5. His sister is a famous author
Later in his life, Jobs crossed paths with his biological sister while seeking the identity of his birth parents. His sister, Mona Simpson (born Mona Jandali), is the well-known author of Anywhere But Here — a story about a mother and daughter that was later adapted into a film starring Natalie Portman and Susan Sarandon.

After reuniting, Jobs and Simpson developed a close relationship. Of his sister, he told a New York Times interviewer: "We're family. She's one of my best friends in the world. I call her and talk to her every couple of days.'' Anywhere But Here is dedicated to "my brother Steve."

6. Celebrity romances
In The Second Coming of Steve Jobs, an unauthorized biography, a friend from Reed reveals that Jobs had a brief fling with folk singer Joan Baez. Baez confirmed the the two were close "briefly," though her romantic connection with Bob Dylan is much better known (Dylan was the Apple icon's favorite musician). The biography also notes that Jobs went out with actress Diane Keaton briefly.

7. His first daughter
When he was 23, Jobs and his high school girlfriend Chris Ann Brennan conceived a daughter, Lisa Brennan Jobs. She was born in 1978, just as Apple began picking up steam in the tech world. He and Brennan never married, and Jobs reportedly denied paternity for some time, going as far as stating that he was sterile in court documents. He went on to father three more children with Laurene Powell. After later mending their relationship, Jobs paid for his first daughter's education at Harvard. She graduated in 2000 and now works as a magazine writer.

8. Alternative lifestyle
In a few interviews, Jobs hinted at his early experience with the psychedelic drug LSD. Of Microsoft founder Bill Gates, Jobs said: "I wish him the best, I really do. I just think he and Microsoft are a bit narrow. He'd be a broader guy if he had dropped acid once or gone off to an ashram when he was younger."

The connection has enough weight that Albert Hofmann, the Swiss scientist who first synthesized (and took) LSD, appealed to Jobs for funding for research about the drug's therapeutic use.

In a book interview, Jobs called his experience with the drug "one of the two or three most important things I have done in my life." As Jobs himself has suggested, LSD may have contributed to the "think different" approach that still puts Apple's designs a head above the competition.

Jobs will forever be a visionary, and his personal life also reflects the forward-thinking, alternative approach that vaulted Apple to success. During a trip to India, Jobs visited a well-known ashram and returned to the U.S. as a Zen Buddhist.

Jobs was also a pescetarian who didn't consume most animal products, and didn't eat meat other than fish. A strong believer in Eastern medicine, he sought to treat his own cancer through alternative approaches and specialized diets before reluctantly seeking his first surgery for a cancerous tumor in 2004.

9. His fortune
As the CEO of the world's most valuable brand, Jobs pulled in a comically low annual salary of just $1. While the gesture isn't unheard of in the corporate world — Google's Larry Page, Sergey Brin, and Eric Schmidt all pocketed the same 100 penny salary annually — Jobs has kept his salary at $1 since 1997, the year he became Apple's lead executive. Of his salary, Jobs joked in 2007: "I get 50 cents a year for showing up, and the other 50 cents is based on my performance."

In early 2011, Jobs owned 5.5 million shares of Apple. After his death, Apple shares were valued at $377.64 — a roughly 43-fold growth in valuation over the last 10 years that shows no signs of slowing down.

He may only have taken in a single dollar per year, but Jobs leaves behind a vast fortune. The largest chunk of that wealth is the roughly $7 billion from the sale of Pixar to Disney in 2006. In 2011, with an estimated net worth of $8.3 billion, he was the 110th richest person in the world, according to Forbes. If Jobs hadn't sold his shares upon leaving Apple in 1985 (before returning to the company in 1996), he would be the world's fifth richest individual.

While there's no word yet on plans for his estate, Jobs leaves behind three children from his marriage to Laurene Jobs (Reed, Erin, and Eve), as well as his first daughter, Lisa Brennan-Jobs.

1:16 PM

Top 5 mistakes when getting home equity....

Posted by Aree Tone WoW |

Rates have historically never been better, so nowadays the temptation to borrow against your home equity is very strong. However, many homeowners unknowingly make costly mistakes.

Here are the top 5 mistakes people make when applying for a home equity loan.

Mistake #1 - Not Knowing The Difference between a Home Equity Loan and a Home Equity Line of Credit

A home equity loan is a one-time transaction that allows you to draw out all the funds available.

A home equity line of credit (HELOC) is open; you can choose a small initial advance against the full amount of the line; then reuse the line of credit as often as you want during the period that the line is open. Your monthly payment is based on the outstanding balance.

A general rule of thumb is: use a home equity loan when you need all the money up front; such as cash for home improvements, debt consolidation, or a large one-time purchase.

If you need ongoing access to cash and revolving credit a HELOC may be your best choice.

Mistake # 2 - Taking a Home Equity Loan When You Plan on Refinancing Your First Mortgage

Many mortgage companies look at the combined loan amounts (i.e., the sum of the first and second loans) even when you are refinancing only your first loan. If you plan on refinancing your first loan the lender may require you to pay off both your first and second mortgages; or close your home equity line completely.

Check with your mortgage company to see if having a second loan will cause your refinance to be turned down.

Mistake # 3 - Not Knowing The Hidden Costs

If you feel you must take out a home equity loan or open a line of credit it is important to know ALL the costs. With any loan secured against your property there can be hefty insurance costs, appraisals and other fees that can cut into your loan amount.

Mistake# 4 - Only Applying at Your Current Bank

Many consumers apply for their home equity loan from their home bank. This can be a costly mistake.

As in any other type of loan, be sure to shop around for the best deal. Your current bank may not be able to give you the best interest rate or the best terms.

Think twice before deciding to use your local bank; you may find that there is another lender out there that can offer you a substantially more attractive loan program.

Mistake # 5 - Not Checking Your Credit First

As in any type of loan, it is imperative that you get the best rates and terms. However, if you have credit problems it will seriously affect your ability to qualify.

In fact, if your credit is not the greatest you may have no choice but to use alternative lenders specializing in hard to place loans. The solution: Make sure you go with the bank or lender that provides the best rates for your type of credit whether good or bad.

There you have it. Avoid these 5 mistakes and you could save yourself hundreds... if not thousands of dollars when you get a home equity loan.

Strategic Capital Network is a licensed mortgage brokerage specializing in helping credit challenged homeowners qualify for home equity loans.

1:54 AM

Home Based Business Ideas For Men

Posted by Aree Tone WoW |

It is not just Moms who are looking for ways to earn from home but many men want to work at home too. The reasons.... they are looking for home based business ideas for men are varied. This could be because they have either been retrenched, want to replace their jobs with a home business or would like to supplement their income.

In this article we take a look at 8 home based business ideas for men.

1. Get involved in affiliate marketing and make use of the Internet to sell other people's products.

With affiliate marketing you can get paid for getting leads as well as get paid by the click. Another way to make money is by recruiting affiliates in two-tier affiliate programs where you will get paid a commission on the products your recruits sell.....

2. Have you thought of consulting? Using your expertise you can teach other people who will pay you for consulting if it helps them accomplish things they need done.

3. Start repairing cars at home. You can build a competitive business working out of your own garage and this can be personally enjoyable as well as very profitable.

4. Get involved in direct sales. It is not only women who get involved with direct sales companies. Men are also selling Amway, Tupperware, Avon, Herbalife and other direct sales products.

5. Start a day care centre for children. A day care business is not just for women. Many stay at home Dads these days are taking care of other people’s children.

6. Start an online network marketing business. There are many to choose from and the Internet makes it much easier to build a business from home. It is not uncommon for men to work with their wives and build their business as a team which is also a good way to do it.

7. Get involved in Joint Ventures. If you are working online look for other Internet marketers and do a joint venture together. You may be able to combine your particular skill or interest with that of another person to build a successful online business.

8. Make money freelance writing on the Internet. Writing ebooks and selling them on ClickBank or Amazon is very popular right now. Writing for other Internet marketers as an article writer or a blog writer can be extremely lucrative.

If you have a flair for writing the big money is in copywriting and you will find courses online to help you with this.

The above are 8 home based business ideas for men. Thanks to the Internet both men and women can now get involved in the same businesses, so some of the above will overlap.

Why should you be yourself? The simple answer is 'because everyone else is taken' - it's both the simple answer and an accurate answer. The important question is 'why are we not ourselves?' What is the pay off for not being ourselves? Ahhh, now we're talking.

To begin with, what would cause us to not want to be ourselves? For some of us, we may have been raised in environments where it was dangerous to be who we are. Even as adults we may be working in environments that demand that we be other than who we are in order to ensure job security. So we conclude, I have to be other than I am to get what I want i.e. love, safety, income etc.

We may have learned to believe 'who I am is not good enough to be loved, guaranteed safety, approved of'. We may have been told 'who you are is not worth treating well'. We may have learned 'who you are is not good enough to meet my standards for 'being good enough'. We may become convinced that we are less than we should be.

When we feel not good enough what happens to our lives? We end up putting things on hold until we feel we 'deserve' by becoming good enough. We spend so much time striving to feel that we're good enough. Have I accomplished enough, am I good looking enough, is my car big/fast/exclusive enough, is my job title high enough, do I have enough awards to be good enough? Exhausting isn't it?

Self worth and authenticity are intrinsically linked. The worth we have in our own eyes, a sense of worth not built on acquisition, job title, appearance, credentials - is the only worth, worth living out of. How many of us realise that we have an intrinsic worth greater than anything on the outside? If we go through life with a sense of being deficient then we are motivated to acquire value - the things that others value in the world then become our aim in life. I may not be good enough in and of myself but look what I've got, becomes our calling card.

Sooner or later, things fall apart, if we're lucky. It can take many forms e.g we can lose everything we spent our whole lives accruing or we meet someone or a situation who places no value on our 'social bling'. We run helter skelter trying to get them to 'see' us as our bling or we go somewhere else. But there's a crack in the tea cup. When it finally breaks open, our break down becomes our breakthrough.

We begin to look for another way. What we've been looking for is a way to feel good about who we are, under all circumstance. We don't always realise it at first since there's much howling in pain and hanging onto fast disappearing 'bling'.

The breakthrough cracks us wide open and everything we've been taught is 'wrong' with us, all the things we've been taught make us 'not good enough' stare us in the face. Excruciating at first but if we stay, refuse to take flight, we can transform. Now begins the re-acquainting ourselves with the 'real' us, all of it.

There are many transformation technologies from journaling, meditation, prayer, walking, body work, sound, vibrational healing. We tend to gravitate towards one that works for us. Soon the pain subsides,.. loses its edge. We don't feel so raw. Our lives may be in shambles around us but we can stand to be alive and increasingly we can stand to be ourselves. We live in a time of infinite help with wonderful teachers who can assist us in moving out of our debris; emotional, psychological and spiritual.

Not being who we are, may be something we picked up at our beginning but was never a part of our being and we need not continue with it.

Subscribe