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Dr. Nancy Wasson, Ph.D, and Lee Hefner are Helping Couples Have Better Marriages

Dr. Nancy Wasson, Ph.D, and Lee Hefner of Birmingham, Ala., have taken their Internet business to new heights. They have helped many families!

Dr. Wasson and Hefner, who are married, co-authored Keep Your Marriage: What to Do When Your Spouse Says “I don’t love you anymore!” and Wasson provides marriage coaching. The couple market their products on-line, and publish a web-based newsletter using the education and coaching support Prosper provided.

“Over the past several years, our newsletter has grown from nothing to having over 18,000 subscribers world-wide today. The great thing about our success is that we know we’re helping couples have better marriages,” said Hefner.

I have been reflecting on the last twenty years with my best friend and wife Julie , and I know and continue to learn that showing my love through my actions and remembering  say the words “I love you; I need you; I think you’re beautiful; I appreciate you; thank you” and you help me so much; you are such a great mom; you’re one of the most intelligent people I know.” I look forward to an eternity with Julie and my hope is all of my readers happiness in their relationships!

Humbly

Devin Willis

Related Resources

How to Stay in a Marriage When Times Are Tough-from EzineArticles.com written by Lee Hefner

How to Strengthen Your Marriage with Three Good Habits from EzineArticles.com written by Lee Hefner

Alabama Couple Reaches Wider Audience Thanks to Prosper-Provo, UT, June 26, 2008 —Jason Russell-Prosper Inc . Press Releases

Ethan Willis and E-strengths assessment helps Martial Artists- By JamesModern Kung fu-Total Combat!

One Minute Entrepreneur + Martial Arts business Could help By JamesModern Kung fu-Total Combat!

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I Love Talking with Our “Prosper Learning” Coaches!

Some Tips and Wisdom I found helpful!

I was talking to one of out coaches (@ Prosper Learning) and he refereed me to our success center . I found  a  great article “Manage Your Finances” that stated

“.. It sounds obvious but few people do it. Financial management is an ongoing, unending process. Start with the most fundamental elements; know your net worth and track where you money is going. These are both very simple tasks. Track every penny you spend. Use a day planner or spreadsheet or whatever is easiest for you. It is impossible to manage your finances if you don’t have the necessary information at hand. Your net worth is figured by simply totaling all of your assets (what you own) and subtracting all of your liabilities (what you owe). If your net worth is increasing month to month you are on the right track…”

Coach Gail Long  Posted the following

“…Just as the Boy Scouts have “Be Prepared” as a motto, we need to have a Prepared Pantry. This is not just for major disasters such as hurricanes, tornadoes, floods or earthquakes; it can be as simple as an increase in gas prices, loss of a job, or even no overtime at your job. In these uncertain times it is necessary to build and maintain our pantries so we can always feed our families. It may not be their favorite meal, but no one wants their family members to go hungry. Each family is different and has unique food needs.
FEMA has lots of additional information on preparedness, for additional information from them go to
Are You Ready?
Are You Ready? An In-depth Guide to Citizen Preparedness (IS-22) is FEMA’s most comprehensive source on individual, family, and community preparedness. The guide has been revised, updated, and enhanced in August 2004 to provide the public with the most current and up-to-date disaster preparedness information available.

In an article titled “Taking the Bite Out of Food Storage” (“Random Sampler,” Ensign, Mar. 1992, 72-73) four steps were listed to ease your way into a Prepared Pantry.

Step 1: Learn the basics of home storage. Doing so will save you time, money, and effort.
Step 2: Acquire an emergency supply of life-sustaining foods and water and store them properly.
Step 3: Build up your storage gradually. It’s amazing how fast storage shelves can fill up when you buy commodities in double quantities—for example, one can of beans for regular use, the other for storage
Step 4: Eat what you store and store what you eat. For more Tips

Resource:

Prosper Learning Personal Finance – written by The Prosper Financial coaches-These coaches have established a strong reputation for success by helping thousands of students learn effectively manage their personal finances and investments. The department currently has over 100 years of personal financial experience.

Prosper has assembled one of the most experienced, qualified financial coaching organizations in the world, and has made financial independence affordable for virtually every family in America. Prosper’s program combines interactive learning and veteran coaching to guide clients through the process of creating their unique Financial Independence Plan. Our coaches are more than cheerleaders. They are educators, advocates, and mentors of the mind. The proven principles we coach include the following areas

  • Goal Setting
  • Cash Flow Management
  • Risk Reduction
  • Accelerated Debt Elimination
  • Emergency Planning
  • Small Business Philosophy
  • Investment Planning
  • Tax Reduction
  • Retirement Planning
  • Creating Wills and Trusts
  • For more … http://blog.prosperlearning.com/financial/

Save Your Money in 5 Easy Steps
Five Tips to Saving Money

Prosper Learning coach Brice Hogan shared the following:

“…Marching your way to financial freedom takes a lot of discipline. So I want to impart some wisdom on how to keep a little more money in your wallet when you shop around for things.

Groceries

My wife says that I am the king at grocery shopping, and I am. That is because when I go I try to look for the best deals possible I bring a list and stick to it. Generally I go during the busiest time of the week which is either the weekends or on Mondays. These days the store will have a lot of discounted. So shop on the busiest days. Better Deals. Also if the store has a frequent shopper club join it and you can get additional discounts. The grocery store I shop at, if I purchase a certain amount I can get 5 to 10 cents of gas. These days it’s totally worth it.

Dollar Stores

If you have a dollar store in you area use it. I find it a good place to find household cleaning products, bathroom cleaner, laundry detergents, some food items. Take advantage of these places they also stock some name brand products so it can be an effective way to save on your budget.

Find your Coffee Factor

David Bach has an excellent book called Automatic Millionaire. In it he describes what is called a latte factor. This is basically a vice or habit you spend a lot of money on. It could be cigarettes, eating out, excessive shopping, etc… If you have a vice or habit you spend a lot of money on cut it out completely or scale it way back to save you some coin.

Reviewing Insurance Policies

A great way to save some money is to review your auto insurance. Just by increasing the deductible to a manageable amount you can save $5 – $10 a month and maybe more. So call your insurance agent up and ask.

Bundle Away

You can save a lot of money these days on tv/internet/phone bill by looking into bundles. Companies have made it cheaper for you to buy bundle packages. I have seen packages for $100 in some areas which can save you a lot of money in the long run for you.

These are just some tips that might be able to save you a little money during the month.

Resource:

5 Practical Steps to help Save You Money-April 3rd, 2008 | Category: Personal Finance-Prosper Learning Personal Finance – written by The Prosper Financial coaches-These coaches have established a strong reputation for success by helping thousands of students learn effectively manage their personal finances and investments. The department currently has over 100 years of personal financial experience.

Get out of Debt Slowly?

Micah Richards share’s the following insight “..Our main focus is to get out of debt, and take the next step in building our own financial independent. These are some huge goals, and will not be something we can do in a week, or even a month. We may even need to wait a month to see any results.

A good idea is to write down ten short time goals you can accomplish in one week. We need to focus these ten goals on items, habits, or struggles we are currently having with our personal finances.
Here are a few sample goals that will hopefully give you some more ideas of what types of goals we are looking for:

1) I will bring a sack lunch to work all week.

2) I will walk to any location I need to go, that is within 1 mile.

3) I will bring breakfast each morning to work.

4) I will go to the grocery store once!

5) I will avoid vending machines, and coke machines.

6) I will eat before I go shopping.

7) I will go through my fridge, and eat all the leftovers.

8) I will read one book on how to achieve financial freedom.

9) I will watch one program on how to achieve financial freedom.

10) I will listen to a financial guru, either on the internet or on CD.

The above examples are once again to get your mind thinking of what personalized goals you can use.

I have also included a very simple document to use. It is so simple, you do not need excel or another program to run. You can cut and paste it, and even print it. After you have completed the goal for a week, you check it off. You will see a difference in your spending habits, and also see a psychological difference that you believe more in yourself, and that you can achieve the longer goals of getting out of debt. Good luck, and have fun! After a few weeks, if you feel confident, change your goals to a month.

Number CHECKLIST OF 10 Weekly Goals Check when Completed

1
2
3
4
5
6
7
8
9
10
0

Comments..”

For more great tips go to Prosper Learning  Personal Finance Blog-written by The Prosper Financial coaches-

I remember trying to figure out grants and hen it was explained to me by one of our mentors Dane here at Prosper Inc.. anyway I cacme across this post I thought would be helpful to anyone ! Most experts agree that a mentor helps us h avoid costly mistakes!

I really enjoyed author Grant Gary thoughts in his article. He wrote

“…Funding from grants is often at the core of a successful technology plan, but writing proposals requires a bit of magic and a lot of time. Grants can be a good way for educators to collaborate on building strong programs, but some creative thinking is also required. Here are eleven hints that can help you rake in the funds…”
#1 Find a brighter idea
#2 Get better organized
#3 Prepare an elevator spech
#4 Get a support group
#5 Set your watch
#6 Fill in the holes
#7 Judge for yourself
#8 If you got it, share it
#9 Known when to stop
#10 Make it a practice
#11 Party and give thanks”….For more tips click here

(Resource –The Better Ways to Win a Grant Gary A. Carnow from Tech&Learning)

I hope you find the tips helpful,

Devin Willis


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Over 100 Useful Resources for Entrepreneurs

. There are many resources online and I wanted to to share this valuble information. It is from Adnan who, is still in high school and I believe we he be doing great things soon!

As longtime entrepreneurs Ethan Willis and Randy Garn have  run Prosper Inc. with one simple objective: to celebrate its success of others!

Let me share some of Adnan’s list for you:

Communications / VoIP

The internet brings great opportunities to do business all with people from all around the world, and fortunately there are also a number of resources to help with the communication that is necessary. The resources here will allow you to communicate inexpensively with others:

    1. Skype – Free calls over the internet to other people on Skype for as long as you like.
    2. Vonage – Leading provider of VoIP internet broadband telephone services.
    3. Gizmo – Low cost international calling and free calls to users on Yahoo Messenger, Google Talk, Windows Live users and SIP networks.
    4. Vonics Digital – Plans start at $12.99 per month.
    5. VoipBuster – Free program that uses the latest technology to bring free and high-quality voice communications to people all over the world.
    6. SunISP – VoIP Plans

Finding Funding

Many entrepreneurs will need some type of funding for their ventures. If this is the case for you, these resources may be helpful. Locating potential funding sources can be a bit easier be taking advantage of the resources that are available:

1. GoBigNetwork – Angel investor network/venture capital.
2. Fundability – Puts your company in front of qualified and interested investors.
3. Find That Money – Formidable presence in consumer finance.
4. Venture Deal – Venture capital database.
5. American Capital Advance – Fast Business Loans.
6. Financing: Where to Find It

For the full list click here

Enjoy!

Devin Willis

Resource

101 Useful Resources for Online Entrepreneurs March 10th, 2008 ·Blogtrepreneur.com

10 Social Networks for Entrepreneurs -May 13th, 2008 · Blogtrepreneur.com

Gaebler VenturesResources for Entrepreneursassembled some great resources for entrepreneurs and are constantly updating our entrepreneurial resources so check back frequently.(http://www.gaebler.com/)


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Two students shared, links of Success!

Rentometer– Two students shared this INFORMATION with me;0). They found it to be an interesting way to determine whether you’re getting the  the right rent amount from renters t. At the time, we checked it for our area .  We found out that we charge on the low side for my area.  Give it a try! (www.rentometer.com/)

Another  resource is Trulia If you’re planning to make a real-estate-related move, “…It has financial information as well as details about school districts and communities….” see

LivePads provides real estate professionals, home buyers, and home sellers the necessary tools for all real estate needs.  People can search for homes, sell their homes, utilize social networking, and find valuable web resources for real estate.

Roommates 4 You is a public absolutely free internet service that puts the power of the World Wide Web behind your roommate or room share search. Find your new roommate. Find a room available for rent. Search by city, zip code, rent price range. We give you thousnds of choices in all 50 states to help you find your next home or roommate. Updated daily by over 700 internet resources and America’s leading local newspapers.

RealtyTrac: There are dozens of foreclosure sites on the Internet, but this site comes the closest to representing the Web 2.0. RealtyTrac is a search engine that allows agents and buyers to find foreclosure properties nationwide. The foreclosure process offers three bargain-buying opportunities, an the pre-foreclosure, public auction, and the purchase of bank-owned properties are represented by six different property statuses on

RealtyTrac. Buyers must pay a fee, as with any other foreclosure site, to view all information about the foreclosed property.

Thank you Ann and James!!

Devin Willis


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“MeetInnovators + Ethan Willis”

There was a great interview done  with Ethan Willis. He stated

“…Number one is getting good people to manage the employees. Number two is hiring good people from the beginning…” and  “…A lot of companies become bureaucratic because they are trying to set up systems and processes to manage the wrong people. If you can have the right people who believe in what you’re trying to do and who have the right philosophy, the culture of the business will often manage itself. Then it’s all about fostering that culture…” see Ethan Willis from Prosper, Inc.-MeetInnovators CEO Club

The above interview gives insight to how Prosper inc. can help people, so effectively. And in my humble opinion is the reason is the best in the educational industry!  When you “talk to Prosper CEO Ethan Willis,” you come a way better when you leave him!

Devin

Resources:

Ethan Willis Can Help You Become a Better Teacher?- Becky

Changing lives, One Student At A Timethe article  that was selected to appear in the August 2006 issue of the national magazine, U.S. Business Review in an article entitled “Investing in Tomorrow”.

Eric Bryant shared “Attributes of Successful Entrepreneurs” in his wonderful blog — July 30, 2008…-Past posts on this blog”My Travel’s on the Roads in how to Prosper and Learning”

One of my Favorite Blogs, The Entrepreneurial Mind Will Join Several Others-July 28, 2008..-Past posts on this blog”My Travel’s on the Roads in how to Prosper and Learning”

“Prosper Learning’s” Information Sheet-

Blogs about: “Ethan Willis”

Ethan WillisLatest post was updated: made by Anonymous

Ethan Willis and E-strengths assessment helps Martial Artists -July 18, 2008- James ” Martial Arts blog’

Outstanding Young AlumniBYU-Idaho Alumni Association-Randy Garn and “Ethan Willis”

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The right attitude can make a world of difference when it comes to keeping people happy

Do the Right Thing!

When you go to the store or call a company , you want to be respected and treated well . It’s that simple. Treat your customers, as If they were your Mom, Dad, Brother, Sister et.They deserve your respect. After all

the Wharton School of Business found that businesses aren’t honoring this simple creed. Customers were treated down right rotten in 60% of the cases they examined.

1)  There are typically no employees around to help customers.

2)  Long checkout lines. Finally, the third was customers a upset when there are employees present, but they don’t offer any greeting, smile or eye

What do these customers do?

According to a 2006 survey released by a group within the Wharton School of the University of Pennsylvania, a typical business only hears from 4% of its dissatisfied customers; the other 96% leave quietly. Of that 96%, 68% never reveal their dissatisfaction because they perceive an attitude of indifference in the owner, manager or employee.

But a typical dissatisfied customer will tell eight to 10 people about their experience. One in five will tell 20.  see  Customer disservice-BusinessReport.com and Daily-Report.com are Baton Rouge news

Now if you are not around to help or seem to be uncaring, you risk being thought of as a company that  is a scam or “rip-off, ripoff, rip off,” ect.

Even if you are an honest one because the customer has to make an assumption. Without your customers you would not be a successful  . I have tried to follow these steps

People pay for peace of mind. They want security, integrity, and the assurance that if there is a problem, it will be promptly handled.

Humbly suggested,

Devin Willis

New survey reveals top 3 customer pet peeves -April 24, 2008 –Clark Howard’s Tips in , “The Lufkin Daily News“.

Customer disservice-By Anna Thibodeaux – www.businessreport.com Baton Rouge news

Tips for Curing Bad Customer Service-Jill Homer

list of all kinds of major companies and the instructions to get through to an actual living breathing person! Click —Dial-A-Human— “Dial A Human and get rid of those annoying phone prompts. Talk to a REAL person!”

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Overcoming Obstacles And Achieving Your Goals

Choices are a part of our everyday life. We all face choices each day. From minor choices, such as what when we get up in the morning, to major, life-changing choices, which will literally affect our lives for years to come.

In my past life , I protected people’s lives and  in many ways still do. I fully understand affect it has on lives for years to come.

The choices each one of us makes create outcomes in our lives. Often, the tendency exists, in many of us, to subscribe to the theory that the positive circumstances we create for ourselves are a direct result of the choices we made in our lives. We then attribute any shortcomings or misfortunes in our lives to bad luck or being beyond our control. We also have a tendency to think that the positive circumstances in others’ lives are a result of good luck on their part and the negative consequences to be a direct result of the choice they have made.

The truth of the matter is that, even though misfortunes do occur, many of the consequences, as well as the positive circumstances that occur in our lives are as a direct result of the decisions that each of us make. We control more of our destiny than many of us realize. We have the power to change our lives according to the decisions that we make.

In order to understand how to better effect change in our lives, we will examine the decision making process. We will identify the steps that should go into each decision. Generally, small decisions require very little time to complete the process while larger decisions may take a significant amount of time to effectively make a decision that will best serve us and our individual needs. The following is the process to follow when making decisions.

Create a Plan

Start with the end in mind. Ask yourself these simple questions: What is my ultimate goal? What path do I have to take to get there? This step should occur well before any difficult decisions have been addressed. Keeping the end in mind will give you a measuring system by which you can determine whether or not your decisions are guiding you toward your final destination.

Identify Choices

When faced with a choice, there are generally at least two choices that can be made. Often, the more choices you have, the harder the decision will be to make. It is important to be very open during this step. When beginning the decision making process, you should identify as many options as possible. Be careful not to eliminate choices because of preconceived biases or assumed information.

Gather Information

Once you have identified the different choices that you have, begin to gather as much information as possible. It is important to realize that there are many biases that people often face during this step of the decision making process. One bias is that the majority cannot be wrong. Just because the majority of people think one way does not make it the best or only solution. Make sure to consider new, creative, or innovative solutions based on their value to you. Another bias that many face while gathering information is that people tend to accept information from those they trust. Make sure to examine the credibility of all information you receive, even information from trusted sources. During this step of the process you should strive to be as objective and rational as possible.

Determine Benefits and Drawbacks

Once you have identified the choices you have and gathered information about each choice, you should begin to determine the benefits and drawbacks associated with each choice. Be thorough in this analysis. Take into consideration your values. If you are having difficulty with this step, consider inviting others to give you another point of view.

Select the Best Option

Weigh the benefits against the drawbacks of each decision. Begin to eliminate the options. Often, there may be two or more options that seem to have positive benefit to drawback ratios. Select the option that best fulfills your needs and seems to have the best chance of success. Once you have selected an option, stick to it. Immediately disregard any of the other options. The best option may fail if you spend your energy second-guessing your decision. On the other hand, a mediocre decision will generally be successful if you commit yourself to it.

Take Action

Once you have selected the best option, begin immediately to work towards the implementation of your decision. Training yourself to react to your decision will be one of the skills that will garner success in your endeavors. Immediately taking action will mitigate the fear that is often associated with large decisions. It also reduces the amount of fear that can cloud your visions of the future.

Learning to make effective decisions and to carry out the decisions that you have made is a key skill for you to learn. This skill will allow you to find greater success and work towards your goals with greater conviction. Also, it will make you a better leader and those around you will trust and admire your decisions.

I hope you found this useful,

Devin Willis

Resources:

Beginner’s Guide To Being Decisive– by blogger Avani Mehta. Also read her ,  Page on The Art of NOT Making Decisions through Mental Chatter

Defensive Tactics at Select Patrol-Agent C.T ESI Graduate

Prosper Learning Newsletter– Make Up Your Mind The Art of Being Decisive (Your Friends at Prosper, Inc.)

Decisive action is characteristic of the entrepreneur- by Post by blogger Chris Melton

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