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ARTICLE 1

What Does “Earning A Living” Really Mean?

By Noel Peebles

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What Does “Earning A Living” Really Mean? 
 
By Noel Peebles

What comes to mind when you hear someone say, 
“I’m earning a living?”
 
====>	 A job? 
====>	 Their nose to the grindstone? 
====>	 A burden? 
====>	 An obligation? 
 
Is that what “earning a living” means to you? 
Is that what you really want from a job?
 
Maybe it’s time you stopped trying to “earn a living” and 
admit you deserve better. Maybe it’s time to diversify your 
income and cultivate your own garden of money trees.
 
You know that old saying “you'll never get rich working for 
someone else” …well, to a large extent it’s true... although 
not entirely. If you have a high paying job bringing in 
hundreds of thousands of dollars per year, then yes, there’s 
a good chance you’ll become rich.... but at what cost? 
 
Despite what many people on low incomes may think; most high 
paying jobs require incredible personal input, commitment and 
sacrifice… from not only the individual concerned, but also 
their family. 
 
Take politicians as an example. We love to hate them. Some would 
say they are under-worked and over-paid, but I’m not so sure about 
that. Regardless of their politics, I believe that most of them 
try very hard and work longer than average hours. Most politicians 
are fully committed to what they do…even if what they are doing… 
is stuffing the country and costing the taxpayer a fortune in the 
process. You see; regardless of whether a politician’s job is 
worthwhile - their job is, most probably, a fulltime commitment. 
Love’em or hate’em, I’m sure most politicians think they work 
very hard for their taxpayer paid income. But, I digress…
 
The fact is; you don’t have to earn a living! Why? Because you 
already earned the right to live when you were born. Let me 
explain before you call on those guys in white coats believing 
I’ve finally flipped… “Is he saying he wants us all to go on 
welfare and to be paid by taxpayers (just like those politicians)?” 
 
No! No! That’s not what I’m advocating. After all, earning a 
living can be extremely satisfying and is more often than not, 
a good source of steady cash flow.
 
Notice I chose the word “steady” cash flow, instead of “reliable” 
cash flow. Is any job 100% “reliable” these days… and for how long? 
Our elected politicians know all about that.
 
For some people (maybe most), employment is the logical option 
even if it is a burden or unwanted obligation. Will a job make 
you rich, or guarantee you income security? Probably not!
 
To a large extent job security has gone out the window, due mainly 
to rapid technological advances (big words eh?). The reason; it’s 
now easier, quicker and less costly than ever before, for a company 
to automate, restructure or centralize its operations. 
 
Think about this too. Will you (or someone else), be doing the job 
you are currently doing…. in the exact same way you are doing it now… 
in 5, 10 or 20 years time? Will your job still exist? Will what you 
are selling still be in demand in its present form? Or will you… the 
organization you work for… the product or services you offer… have 
been superseded? 
 
Forgive me, I don’t mean to sound negative or to stress you out. 
I merely want to get you thinking about potential problems and 
offer some solutions. 
 
Yes, it’s true! We like to think that life, as we know it, will 
go on forever. No such luck! A few years ago, who would have 
thought that some of our biggest companies would have ceased 
to exist or relocated their entire operations to another city 
or country? Times are changing, and more than ever we are part 
of this fast moving global economy we hear so much about… and 
there are some important lessons to gain from all this.
 
Let’s not kid ourselves…there will always be change. We need to 
adapt and learn new skills…because, here’s the crunch… we can no 
longer rely on others to look after us or provide ongoing employment… 
not even a big multi-national company or the government. 
 
The 'baby boomer' generation is aging - so in 5, 10, 20 years, will 
there be enough taxpayers to pay at the current level of benefits, 
pensions etc? That’s debatable. Will your job (or business) still 
exist in its present form? Possibly not?
 
The reality is; you have to be hard-nosed about what you are doing 
with your life. Can you really rely on a job, or the government, 
to provide you with income security in 5, 10 or 20 years from now? 
Can you?

© Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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Click Here For 1035 Powerful Home Business Start-Up Ideas!
 
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ARTICLE 2

FIND YOUR PASSION AND YOU'LL
FIND SUCCESS IN BUSINESS

By Noel Peebles

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FIND YOUR PASSION AND YOU'LL 
FIND SUCCESS IN BUSINESS

By Noel Peebles
 
 
Most successful entrepreneurs have a strong passion for their 
ideas or concepts. They know what they want and they know what 
they enjoy doing. Their work becomes their play. 
 
The secret to success in business is to find your passion. 
Know specifically what it is you want in life. 
 
I can't emphasize it enough. You need to be certain that what 
you are doing is something that you really and truly want. 
This is not something that you should want, or that someone 
else wants. It is something that YOU personally really want. 
 
But, there's one more thing. If you really, really, want it you 
must believe that it is possible to achieve it. Have the belief 
that it is possible it might happen. 
 
Now, here's the vitally important next step. Go from believing 
that it is possible, to having the conviction that it will happen. 
Not just something that you hope will happen. Not just something 
that you believe will happen. You need to have the conviction that 
it WILL happen. This is something that is stronger than simply a 
belief. It's when you are convinced it CAN and WILL happen. 
 
The final step is making it happen. When you know precisely what 
you want - go after it. Action is something more important than 
just believing. My point is: don't just dream about it, don't just 
believe you can... go and make it happen. Develop a sense of urgency 
in your life to make it happen. 
 
These 12 questions will help if you are having difficulty finding 
your passion. I suggest you sit down by yourself, think carefully 
about each question and, for your own sake, answer each one honestly: 
 
1. What would you stop doing that you are doing now? 
 
2. What would you do if you knew you could not fail? 
 
3. What would you like to learn more about or become an expert and in? 
 
4. What hobbies or interests have you experienced where you have lost 
complete track of time? 
 
5. What was so absorbing to you about these activities? 
 
6. Can any of your hobbies become a business? 
 
7. What would you do to make the world a better place? 
 
8. What kind of work or business lifestyle would you prefer? 
 
9. What’s your idea of a perfect day? 
 
10. How much do you want to work with your hands, with people, 
with ideas? 
 
11. How much contact with people do you need - none, some, quite a bit, 
a lot, continuous? 
 
12. Are you a goal person or a process person ...in other words; 
do you get your greatest satisfaction from setting and reaching 
goals, or by becoming immersed in a project or continuous flow 
of activity? 
 
There aren't any wrong answers to these questions. It is all 
about understanding YOUR preferences and knowing YOUR most 
passionate interests. 
 
Truthfully, do you have a strong passion for your ideas or concepts? 
Do you know what you want and what you enjoy doing? Do you have 
a sense of urgency in your life to make it happen? 
 
To finish off, try doing this. Imagine you've found your business 
passion. Picture yourself running your very own dream business. 
You love every minute of it and your work becomes your play. Let's 
suppose too, that you are financially independent with all the money 
you ever wanted or needed to lead a happy life. What can you see? 
What can you hear? What can you feel? What is your passion? 
 
Finally, consider what effect this will have on your life - now and 
in the future. Hopefully that’s got you thinking! 
 
© Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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ARTICLE 3

Follow The Crowd And You'll
Never Become Rich!

By Noel Peebles

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Follow The Crowd And You'll 
Never Become Rich!
 
By Noel Peebles

This may shock you. Research in the USA has shown that 
less than 5% of people reach financial independence by 
the time they retire. Only around 1% (one in a hundred) 
becomes wealthy. 
 
My advice is to start thinking differently. If you follow 
the crowd by following the example of the 95%... where are 
you heading? 
 
If you do the same things that almost everyone else does, 
then there is a good chance you will end up with the same 
results as they do.
 
Most people don't live in big flash homes, drive expensive 
cars, have hugely healthy bank accounts and big investments, 
or travel the world wherever or whenever they please. 
 
Most people spend most of their lives just working hard for 
a wage or salary, fighting to keep their heads above the 
water, to pay a never-ending tide of bills.
 
By working hard to earn a living, most people are simply 
trading their time (hours) for money. So, if you want to 
be rich, you'll need to take control of your own destiny. 
 
The cold-hard truth is that most people will not get rich 
working for someone else. This is not just because of low 
earning capacity, but also because employees generally 
"earn to spend." Employees know they have a fixed income, 
so most know how much money they can expect to earn 
each and every month. 
 
Therein lies the danger - the more we have - the more we spend. 
 
The predictability of "earning a living" can lull a person 
into a false sense of security. An employee mindset is usually 
totally different to that of the small business owner who may 
have no real guarantee of a steady income - so will spend money 
only when absolutely necessary. 
 
Now, don't get me wrong. I'm not suggesting you quit your job 
tomorrow. I'm not suggesting you stop spending, or stop enjoying 
life. Nor am I suggesting that you start squirreling away your 
surplus income in a bank account. Despite what banks might say 
in the millions of dollars they spend on advertising - they 
really couldn't care less about you. BANKS ONLY WANT YOUR MONEY! 
If you don't believe me, try borrowing some money from a bank, 
and see how ruthless they can be. 
 
Saving at the meager interest rate they'll pay will not work. 
This is not enough to take care of you in your retirement - 
or if you lost your job - or if you had to stop working for 
health or other reasons. 
 
Rather than rely on banks or employers, take control of your 
own destiny and make your money work for you. Think differently 
and don't always follow the crowd.
 
 
© Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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ARTICLE 4

3 Opportunity Killers To Knock On The Head!

By Noel Peebles

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3 Opportunity Killers To Knock On The Head!
 
By Noel Peebles

"Some men dream of things as they are, and say why? 
I dream of things that never were, and say why not?" 
George Bernard Shaw

Life is full of opportunities. Yet, despite this, we often 
don't recognize opportunities when we see them. The scary 
part is; when opportunities fail to get acted upon, it’s 
usually because we have fallen victim to one, or all 3, 
of these deadly opportunity killers:
 
Opportunity Killer #1

We have all suffered from it - that human emotion called 
'fear'. It may be fear of failure, fear of success, fear 
of making a decision, fear of change, or even the fear of 
what people might think. Fear is infectious and will kill 
any opportunity...if we let it!
 
Opportunity Killer #2

The second deadly culprit is procrastination. A lot of 
people spend a lifetime dreaming about what they could 
do. One day they will do this, and then they're "gonna" 
do that... but never quite get around to it. In the words 
of singer Rita Coolidge "Too often the opportunity knocks, 
but by the time we push back the chain, push back the bolt, 
unlock the locks and shut off the burglar alarm, it's too 
late." 
 
 
And for those who are still waiting for opportunity to 
knock, my advice would be, to build a door. In other 
words - we need to make our own opportunities! 
 
Opportunity Killer #3

Lack of commitment completes this deadly trio. Many people 
fail to make determined moves to fulfill their dreams and 
desires. These people often consider themselves to be 
unlucky and blame anyone and anything else for their 
lack of good fortune and success.
 
Trouble is; failure usually rears its ugly head when we 
give up trying to reach our goals and realize our dreams. 
That's why we should never lose sight of our goals or 
dreams. That’s right - circumstances, obstacles and 
problems are just there to test us.
 
The bottom line is; we must accept some responsibility 
for our plight in life. In many situations we create 
circumstances that result in either favorable or 
unfavorable outcomes. We are responsible because 
we all make choices in life! 
 
Although we won't always admit to it - we tend to make 
our own good fortune - be it good or bad.
 
Indeed, we must knock these opportunity killers on the head 
before they infect our lives. We must prepare ourselves in 
every way we can by increasing our knowledge and adding to 
our experience. It’s only when we recognize that there is 
little difference between obstacles and opportunity, that we 
can turn both to our advantage. That way, when opportunity 
does knock, we are ready to make the most of it.
 
 
© Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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ARTICLE 5

SHOCK! HORROR!
What If Your Income
STOPPED At 5 P.M. Yesterday?

By Noel Peebles

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SHOCK! HORROR! What If Your Income 
STOPPED At 5 P.M. Yesterday?
 
By Noel Peebles

If you are not already seated - sit down and take a deep 
breath - because you might break out into a cold sweat 
at what I'm about to say. 
 
How much are you really worth? What is your true wealth? 
 
Now, I didn't ask how big your mortgage is, or how much 
you owe on your car, furniture, or credit cards for that 
matter. However, those things (liabilities) will have an 
important bearing on your true wealth.
 
Just imagine the worst-case scenario. For some unforeseen 
reason your job finished at 5 P.M. YESTERDAY and your 
income STOPPED dead in its tracks. No more money flowing 
into your bank account! You could have had an accident - 
or an outbreak of foot and mouth disease (or an earthquake) 
has suddenly bankrupted your employer and affected the whole 
nation. Think of some "Titanic" event happening to you. 
How's that cold sweat developing?
 
In effect, this is what has happened. You have stopped 
trading your hours for money. You have suddenly stopped 
earning a living. 
 
Now, reassess your true wealth.
 
What liabilities do you have...and what are those assets 
really worth? You have no money to pay your mortgage, 
no money to pay your car installments, no money for your 
credit card bills. 
 
If you are in business - how will your creditors react? 
Will those nice people at the bank let you never pay your 
mortgage interest again? Are you suddenly in a precarious 
financial position?
 
Take stock of your assets. If you had to sell your furniture, 
car, boat etc in a hurry...how much would you get in 
COLD HARD CASH?
 
Think about it! If you stopped trading your hours for money - 
how many days, weeks, or months could you survive for 
financially… WITH NO INCOME? Even if you did have some 
money tucked away...how long would it last?
 
Don't be too discouraged - you are not alone. In reality most 
people "earning a living" would be in the same position. 
 
The same is true of most small business entrepreneurs. 
If their bank accounts were suddenly frozen, or their 
customers stopped buying - most would wake up with a 
very severe headache (to say the least).
 
Quite astounding, when you consider that this type of 
monetary dilemma was once predominantly confined to the 
younger generation. Not these days - more and more people 
in their forties and fifties are discovering the true limits 
of their wealth.
 
However, it would take a sudden unforeseen "Titanic" event 
(such as a job loss), for most of us to realize how 
financially fragile our circumstances really are.
 
Sobering isn’t it?

© Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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ARTICLE 6

The Secrets To True Wealth And Happiness.

By Noel Peebles

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The Secrets To True Wealth And Happiness.
 
By Noel Peebles

What's stopping you from living the life of your dreams? 
Is it your circumstances or is it what you choose to believe 
about those circumstances and your ability to change them?
 
The truth is; most of us get stressed when we feel we are not 
in complete control of our lives. Many people whinge and moan 
about their circumstances, but the fact remains, "we have never 
had it so good." 
 
In today’s modern world people can choose from exciting new 
career options. They have wealth potential, better health, 
new lifestyle opportunities and more conveniences in their 
lives than ever before in history. 
 
WHY THEN if life is so good... and if there really are so 
many tremendous opportunities available - why isn't everyone 
wealthy and happy? 
 
====> Will we ever be satisfied? 
====> Should we ever be satisfied? 
====> It seems when we have more, we want more.
 
Maybe it's just that we don't know how lucky we are?
 
Indeed, wealth is relative. Someone who has little and wants 
less is possibly richer than the person who has everything 
and wants more. Being rich is having money; being wealthy is 
having time to fully experience life.
 
In essence, it's what you do with your life that counts. 
Trouble is; some people spend their days focusing on past 
events. Others focus their energies on day-to-day survival 
and security. However, life today is more about growing and 
evolution as a human being... about learning, living, and 
experiencing. 
 
MONEY, WEALTH and SUCCESS are ultimately about having the 
FREEDOM to choose the lifestyle you want. HAPPINESS is more 
about family, friends, relationships, community... and getting 
the balance right.
 
Present circumstances should never rule our lives. We need to 
look for the circumstances we want. If we can't find them, we 
should create them. 
 
As martial arts expert the late Bruce Lee said, 
"Circumstances hell! I make circumstances!"

© Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

Click Here For 1035 Powerful Home Business Start-Up Ideas!
 
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Quotable Quotes

Inspirational Quotes To scatter
On Your Website Or In Your Ezine
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By Noel Peebles

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“Surround yourself with people who will make you feel 
better about yourself. Seek out people who focus on 
what’s right and good, rather than what’s wrong and bad.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“If you don’t know what you want and why you want it, 
how can you make a realistic plan to get it?” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Motivation happens when you mix: the forces of discontent 
with things as they are, with the power of hope for things 
as they might be. A combination of these positive and 
negative forces will trigger the motivation to take action.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Success in life depends on your own personal level of 
motivation, dedication, and commitment. Your level of 
motivation will determine what you do and your attitude 
will determine how well you do it.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Success is a chain of events. It occurs when opportunity 
is linked with preparation... which in turn is linked with 
hard work... which is then linked with action.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Success or failure in business doesn’t happen overnight. 
It doesn’t happen by accident. Success in business is a 
mix of thinking, systems and actions - all working together, 
day in and day out.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

"Discontent is often a prelude to success. However, wanting 
something is not enough. Hope is no replacement for action. 
Your motivation must be totally compelling if you are to 
conquer the obstacles that will test you in life. Success 
comes to those who are truly motivated and hunger for action!” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Action is more important than just believing. Don't just 
dream about it, don't just believe you can... go and make 
it happen. Develop a sense of urgency in your life to make 
it happen. Take action!” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“What's stopping you from living the life of your dreams? 
Is it your circumstances or is it what you choose to believe 
about those circumstances and your ability to change them?” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Present circumstances should never rule our lives. We need 
to look for the circumstances we want. If we can't find them, 
we should create them.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“We have all suffered from it - that human emotion called 
'fear'. It may be fear of failure, fear of success, fear of 
making a decision, fear of change, or even the fear of what 
people might think. Fear is infectious and will kill any 
opportunity...if we let it!” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“In 20 years from now people will look back and wish that 
they could have started a business, invested money, bought 
shares or property during the early years of the new century, 
when there were so many new opportunities.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Working for someone else is nothing like being an entrepreneur 
and the boss of your own business. To become an entrepreneur 
requires a different plan or map. You’ll be taking a different 
road, to a different destination.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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“People in the future will look back and envy what was truly, 
‘The Golden Age Of Opportunity.’ How fortunate we are to be 
HERE! NOW!” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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“Your present life is the result of the decisions you have 
made over the years and the same will be true of your future. 
You have the power to take possession of your mind and to 
direct it to whatever ends you desire.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Are your current circumstances holding you back? Or is 
it what you choose to believe about those circumstances 
and your power (or lack of) to change them?” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“Every day millions, probably billions, of ideas pop into 
the minds of people all around the world. In reality though, 
only a small percentage of ideas are worth the time it took 
for the thought. Most ideas are fleeting sparks of inspiration 
that go nowhere. Sadly, they get forgotten about before they 
ever see the light of day.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“When you dare to dream, it is amazing what miracles can 
be achieved. Trouble is; most people never start dreaming 
their impossible dream.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“The game of life is real and is played between the ears. 
The way you think determines the decisions you make. The 
decisions you make determines what you do. And what you do 
determines how successful you will become.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“I believe we can learn more from the experience of others 
than we have time on this earth to discover for ourselves. 
The trick is to learn from those who have already been there. 
Trust their experience above those who haven't done what you 
want to do.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
<A href="http://xxxxxx.homebizide.hop.clickbank.net" target=_blank>http://xxxxxx.homebizide.hop.clickbank.net</A>

“We have all been exposed to more change in the last two 
decades, than mankind has experienced in the past 2000 years. 
The situation is terrifying, frightening and awesome in its 
potential opportunity.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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“Embrace Change... if you want to become rich, 
it is your best guarantee of success.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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“The ship of life is not sinking. It's just changing 
direction. We have two choices: cling to the life raft 
of hope, or stay on board and ride the tides of change 
to an exciting future!” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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“Get over blaming the world around you. Get over guilt. 
Get over resentment. Concentrate on getting YOUR act 
together. Take control and take full responsibility for 
your life.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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“We are living in one of the most exciting periods civilization 
has ever known - the information age. This is a period of 
astounding and radical change. It's like being with 
Christopher Columbus on the Santa Maria... only now with 
computers, jet aircraft, lasers and cellular phones at 
our disposal.” 
Noel Peebles, Author 'Home Biz Ideas Goldmine' 
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