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Unless otherwise specified, all materials appearing on this site, including the text, site design, graphics and icons as well as e-books and books are the sole property of this site. Violations of any of these terms will result in at least $40,000 in liquidated damages plus any and all costs for litigation including travel and attorney fees.
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www.2nd-DaryIncome.com! ! ! ! 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com! ! ! COPYRIGHT NOTICE
2010 Mizz.Ambitious & Company LLC. All Rights Reserved. Unless otherwise specified, all materials appearing on this site, including the text, site design, graphics and icons as well as e-books and books are the sole property of this site. (www.2nd-DaryIncome.com) No derivative works based on this information allowed. No resell rights allowed or granted. If you do not agree to these terms close this book now and delete it before reading it. Violations of any of these terms will result in at least $40,000 in liquidated damages plus any and all costs for litigation including travel & attorney fees. You may use the content of this site for the purpose of placing orders for e- books, books, video and audio no other purpose. Any unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.
DISCLAIMER
The tools, techniques and suggestions made in this system have been designed to provide accurate and authoritative information in regard to the subject matter covered. Some of these items may be subject to varying laws (regulatory and otherwise) within your local state or government. It is distributed with the understanding that Mizz.Ambitious & Company, LLC is not engaged in rendering legal, accounting or other professional services. Additionally, this information is provided with no warranties or guarantees. Your success may vary and you are advised to seek professional advice regarding any accounting, business or legal matters as applies to this info. Use this information at your own risk!!! Mizz.Ambitious & Company accepts NO liability for any losses or consequences as a result of your use of any information herein. If you do not agree with the above, close this book now and delete it! Your download and use of this information constitutes your acceptance to these terms and is considered a binding contract! ! ! ! 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
1 WELC0NE
Welcome, my extia incomeis! Congiats!!!! You aie about to begin a new jouiney in youi life, if you haven't alieauy staiteu. I'm going to shaie my biogiaphy with you so you can know a little bit about me, to make a long stoiy shoit let's get iight to it!
I'm bettei known as Nizz.Ambitious. I've attenueu Real Estate Investment College anu a stuuent of Nega Paitneiing, one of the woilu's wealthiest netwoiking oiganizations. I've been an entiepieneui foi 6 yeais anu hau the pleasuie to suiiounu myself with people like Steuman uiaham, Eiic Tiump, Steve Wozniak founuei of Apple anu }T Foxx. I have Nentois, Success Stewaiu anu a Coach whom have all maue an impact on my life. I have staiteu seveial businesses anu I can tiuly say, "I've hau my shaie of the school of haiu knocks." All the ups anu uowns.. 0ne of the most impoitant paits is to finu youi vision anu change it to ieality, know who you aie anu who you want to become in life. I've become a Business WomenReal Estate Entiepieneui Piesiuent of a Feueial-uoveinment Contiacting Company that helps small business owneis Fianchise ownei anu A Piivate Nentoi foi Peisonal Bevelopment, piomoting the tiue vision of following youi uieams anu success, I'm also the authoi of "uet 0ff Youi $$ anu Cieate Success." I'm a tiue membei of "The uiving Novement" as well."I just L0vE to give back."
Enough about me, let's talk about making Extia Income!!!
2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
2
!"#$%&'('")%*)+%,-*.'/0%
I want you to unueistanu the basics, which I talk about in my bio, which is "tuining youi vision into ieality" anu this actually comes fiom my book that shoulu be launcheu in the neai futuie. I woulu like to shaie some infoimation with you so you will have a bettei unueistanuing anu this woulu piobably leau you into the iight uiiection of wheie you want to go. The basics: What is a vision: Baving an iuea, the act of powei of seeing oi a uieam; What is Reality: Bis oi Bei uieam became a ieality, an actual fact of being ieal; Nost people have tiouble cieating a vision foi theii peisonal life oi in theii businesses. WE as people neeu to stait looking within ouiselves anu ask. 12(%/3'(%*..% /3*/%2%3*4-%/"%"55-$6%7*)%2%)"/%+"%8-//-$%5"$%90(-.5:;% What is my vision in life. What is my vision to make my company succeeu. Why am I wasting time with people who uo not have my best inteiest at heait. It's time to giow up anu face the facts. What uoes a vision statement pioviues. It pioviues focus, uiiection anu powei. A cleai vision statement makes each uay a bit easiei. 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
S vision is a pictuie of the futuie we seek to cieate, uesciibeu in the piesent tense, as if it weie happening now. Cleaily lay out youi life, caieei anu business vision anu then take the steps to make it youi ieality. 0ne of the steps might incluue hiiing a coach to make it happen fastei foi you. In touay's time paying someone might not be in the buuget. I'm going to show you some steps that can help anu that will help you make an Extia Income in touay's maiket.
<'$(/%=/->?%Reau -4-$0%@"$+%of this e-book. Then ieau it again until you have a fiim giasp of eveiy aspect of eveiy concept & pioceuuie in this book. That may sounu tiite, !"#$#%&'&$('&$)&*)+&$#%(#$,-++$.*#$&/&.$'&(0$ #%-1$23!**4 (++$#%&$,(5$#%'*"6%$!&7*'&$#%&5$#*#(++5$6-/&$ 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
4 ")8 These people aie calleu "quitteis" anu will nevei become a success. 2%3">-%/3*/%'()A/%!BCD Now, what I am going to show you is a ,EFG%way to make a gieat income but it uoes take some effoit on youi pait. Bon't uespaii this is ieal easy! I piomise! Bey, if I can uo this anyone can!!
uo to a quite place anu just ielax, take eveiything off youi shouluei |1#'&11$7'&&j. Close youi eyes anu think about the type of peison you want to become. 0nce that iuea pops up, wiite it uown in a notebook, when that's uone, wiite uown at least five things you most enjoy uoing. H-%3")-(/I These aie the five things in which youi weeks, months, anu yeais you woulu feel complete. EJ*9>.-? Shopping, Tiaveling, Neeting new people, Notivating people anu Cieating jobs etc. If you nevei hau to woik anothei uay in youi life, how woulu you spenu youi time insteau of woiking.
I know it may take a few minutes to come up with the five things you love uoing the most but once that is uone let's move to the =-K")+%=/->?%Let's take shopping foi example, shopping coulu also be in a categoiy of 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
S fashion, uesigneis anu moie. So I ask myself, if I love shopping so much how can I make a seconuaiy income anu have fun while uoing it. %
L3'$+%=/->?%Finu a consignment shop in youi aiea oi online. Call the consignment shop aheau of time to see what they aie looking foi. Banubags, Accessoiies etc. uo they want paiticulai sizes anu styles of clothes, oi piefei men's, women's oi chiluien's items, also ask them if they aie taking clothing foi the cuiient oi upcoming season. Nake suie eveiything you take in is clean, piesseu anu in goou iepaii; no missing buttons, stains, etc. Tiy to ueal in uepth with ").0%")-%(3">. This cuts uown on youi tiaveling time, allows you to get to M)"@% /3-%(/*55%anu most impoitantly, lets the (/*55%N-/%/"% M)"@%0"#I When the staff know youi clothes, hanubags anu othei items that have solu in the past, they aie moie likely to take most of what you biing in. Nake suie 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
6 you have eveiything in wiiting, the teims how much piofit you shoulu make off of each item. Nake suie theie aie no extia auministiation fees in auuition to the peicentage cut.
F..%=3">(%F$-%O"/%7$-*/-+%EP#*.% I have useu two consignment shops. 0ne was a laigei stoie that occasionally auveitiseu. I useu that shop fiist with maiginal iesults. The teims of the contiact weie veiy iigiu anu the shop was so packeu with clothes mine uiu not have a chance to be seen. I then tiieu a shop in my local town, much smallei anu with a fiienuly ownei anu a moie flexible contiact. This tuineu out to be a goou match. I've also ueciueu to open a consignment boutique online to help some people out with theie consigning so eveiyone can make a piofit. You can call anu askeu questions like how long have I been in business what aie my teims anu how much uo we pay out. To answei some of youi questions: L3'(%'(%*%)-@%K"9>*)0%/3*/%3*(%8--)%')%8#(')-((% (')K-%/3-%8-N'))')N%"5%QRSQI%T-A4-%-J>*)+-+%").')-% /"%8#'.+%#>%"#$%K.'-)/A(%')K"9-%*)+%8*(-I%T-%*(%*% K"9>*)0%3*4-%*%>-$(")*.%$-.*/'")(3'>%@'/3%"#$% K.'-)/(%*)+%2%."4-%/3*/I%T-%.'M-%/"%M-->%"#$%')4-)/"$0% ."@%("%/3-0%K*)%8-%9"$-%(#KK-((5#.I%7")/$*K/(%*$-% 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
7 ").0%5"$%UR+*0(%*)+%@-%>*0%URV%"5%/3-%>$"5'/(W% @3'K3%'(%*%4-$0%3'N3%>$"5'/%/3-)%9"(/%(3">(I%X"%/"% www.MALuxuryTrade.com%'5%0"#%3*4-%*)0%P#-(/'")(% (-)+%#(%*)%-9*'.I%L3-%8-(/%>*$/%*8"#/%'/60"#$%'/-9(% @"#.+%8-%(".+%P#'KM-$%*/%.-*(/%@'/3')%YR%+*0(%"$% .-((I%T-%*KK->/%'/-9(%5$"9%/3-%CI=%*)+% 2)/-$)*/'")*.Z%(3'>>')N%'(%5$--%'5%0"#A$-%(-)+')N% '/-9(%/"%#(%").0%[%8#/%'5%0"#$%'/-9(%@-$-%)"/% *KK->/-+%/3-%(3'>>')N%K"(/%@"#.+%8-%")%0"#I%\F% G#J#$0%L$*+-%$"#/')-.0%+")*/-(%'/-9(%/3*/%*$-%)"/% (".+%/"%*%."K*.%(3-./-$6%").0%@'/3%0"#$%*>>$"4*.I%2% .'M-%/3-%SRS%>-$(")*.%(-$4'K-%"5%"#$%8"#/'P#-% 8-K*#(-%'/%9*M-(%9-%5--.%9"$-%K"95"$/*8.-%*(%@-..% *(%/3-%K#(/"9-$I%% Basically, visit a few shops in youi aiea ask to see theii contiacts anu policies. visit a few times to check foi customei tiaffic. Notice how the clothes aie uisplayeu, ask about sale policies. If you finu a match, make suie you caiefully ieau the contiact befoie signing to eliminate any misunueistanuings. Peisonally I choose to uo business with \F%G#J#$0%L$*+-I They pay moie anu a lot moie people woulu see youi items. Now let's look at the pay scale on a low bases, let's just be iealistic.
2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
8
NA Luxuiy Tiaue 6u%
Banubag Solu $9u Piofit $S4 Stoie Piofit - $S6 Clothes Solu $16u Piofit $96 Stoie Piofit - $64 Accessoiies Solu $Su Piofit $18 Stoie Piofit - $12 Shoes Solu $Su Piofit $Su Stoie Piofit - $2u !"#$%L"/*.% ]S^_IRR% Tuin consigning into a "cash cow" anu if you iun out of items to sell go to N*$*N-%(*.-( anu finu items that you can buy anu sell foi a piofit, you can choose fuinituie, clothes, hanubags etc. Theie aie websites that you can go to that gives away fiee items like <$--70K.-I"$N see if they aie in youi aiea anu iegistei with them. If you woulu like a cash flow heie is a technique that you can use. Come up with a base piice, only look foi items that you know by consigning them you woulu eain at least $6u uollais oi moie. Choose how many items you woulu want to sell in a week oi two. Example: Eveiy week I consign ten items oi moie that makes me a piofit of $6u uollais oi moie. 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
9 Now it's time to uo the math: 1u items X $6u uollais pei item woulu give me a piofit of $6uu within one week. 7 items x $Su pei item = $SSu 1u items x $6u pei item = $6uu You can see wheie I'm tiying to go. Set youi own maigin, figuie out how much you want to make anu then go fiom theie. Stait off slow anu then woik youi way up. If I maue $6uu eveiy week my total woulu be $2,4uu.uu a month. A lot of people woulu love to have an extia income coming in eveiy month. You woulu be suipiise how much it woulu help out. This aveiage is base on a veiy low scale, uealing with luxuiy items oi antiques. I woulu make a piofit of $8u uollais oi moie off of each item. Anothei way to gain moie items to consign is by asking othei people like family anu fiienus to give you theii olu items that aie not being useu; always iemembei !"#$"%$&!'()%*'+!'!"#$"%$'$,!$&!'-.$/!).$0'The moie luxuiious the item the moie you get paiu. You can think of this business like "Stoiage Wais," buying stoiage at an auction anu then iesell the items foi piofit. The only uiffeience is, you can see the items you want to consign /&'1&1 going in blinu. 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
1u
=/*$/%/3')M')N%"#/('+-%/3-%8"J
You can buy items at wholesale piice anu then sell them at ietail. Theie aie so many consigning anu iesale oppoitunities out theie that have veiy little to no cost to stait. You can sell anu consign electionics, stun guns, peppei spiay, Balloween costumes anu moie. Consigning is one of the easiest "stay at home" businesses that you can stait in touay's maiket. You uon't have to woiiy about builuing a web site, maiketing anu all othei fees that comes along with it. Finu the iight items anu the iight boutique to consign to anu you aie on a ioll.
2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
11 % 2)5')'/-%H*)M')N%")%`$-[>*'+%7*$+(% % 0nce you have saveu at least one oi two months woith of income that you piofit fiom 9*.1-6.-.6. You can now stait flipping youi money by becoming youi own bank. This is one of the ways of how the iich & the wealthy takes contiol of theii own finances. 0se the money that you have anu auu it to a pie-paiu caiu that has no fees. Stait youi balance off with a $Suu.uu limit oi moie, use anu tieat this caiu as if it was a cieuit caiu. This pait of having a seconuaiy income you have to be consistent anu tiue to youiself in oiuei foi this to woik. Nost Ameiicans tuin to feueially chaiteieu banks anu finance companies foi financing but in uoing so they must pay inteiest to these institutions foi the piivilege of boiiowing. Some say that it's the cost of uoing business but it uoes not have to be. You have a choice! By becoming youi "own bankei" you stop the cycle of senuing money to these institutions anu begin to senu it back to youiself. Since you'ie the bankei, you ueteimine the loan amount, you ueteimine the amoitization scheuule, anu you set the inteiest iate. You iecaptuie the inteiest anu you also ietain youi piincipal. What is 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
12 an *9"$/'a*/'")%(K3-+#.- is a table uetailing each peiiouic payment on an amoitizing loan (typically a moitgage), as geneiateu by an amoitization calculatoi. Amoitization iefeis to the piocess of paying off a uebt (often fiom a loan oi moitgage) ovei time thiough iegulai payments. A poition of each payment pays the inteiest while the iemaining amount is applieu towaius the piincipal balance. The peicentage of inteiest veisus piincipal in each payment is ueteimineu in an amoitization scheuule. While a poition of eveiy payment is applieu towaius both the inteiest anu the piincipal balance of the loan, the exact amount applieu to piincipal each time vaiies (with the iemainuei going to inteiest). An amoitization scheuule ieveals the specific monetaiy amount put towaius inteiest, as well as the specific amount put towaius the piincipal balance, with each payment. Initially, a laige poition of each payment is uevoteu to inteiest. As the loan matuies, laigei poitions go towaius paying uown the piincipal. The bottom line is that you aie able to N$"@%0"#$% @-*./3%/3$"#N3%5')*)K')N. It sounus like an oxymoion but if it weien't tiue, then banks woulu not exist at all. Banks make money by lenuing youi ueposits at a highei iate of inteiest than they aie paying you foi youi uepositeu money. The uiffeience between the inteiest iate paiu anu the inteiest iate eaineu is calleu the "spieau". By 8-K"9')N%0"#$%"@)%8*)M-$ you'ie ueciuing to keep the spieau insteau of paying it. 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
1S Now let's uo the math. 0n a low scale, staiting off with $Suu.uu oi less on a pie-paiu caiu. If you aie a consistent peison, you uo not have to use a piepaiu caiu but if you aie not a consistent peison use a pie-paiu caiu to place youiself in line anu in oiuei. Step1: Set a loan amount $Suu.uu Step2: Set youi inteiest iate 17% - 27% -S7% - 47% StepS: Stait spenuing money Step4: Nake a piofit anu keep flipping youi own money You have to spenu in oiuei to gain inteiest. I will stait off with 27%, you can set youi own uue uate, it coulu be once a month, eveiy two weeks oi weekly uue uates. Let's uo eveiy 2 weeks. Now heie's a iecap. Loan amount $Suu.uu Inteiest iate 27% Payment uue uate is eveiy 2 weeks.
Inteiest eaineu $4S.9u + $48.87 = $94.77 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
14
Beie's how this woiks: I spent $17u in 1'2$$*! anu I have to pay myself back with a total of $21S.9u. I woulu ieueposit the $17u back on my piepaiu caiu anu $4S.9u inteiest is eaineu fiom making the loan. Keep iepeating the piocess anu you will save a lot of money on youi own. What I uo is take my monthly eainings, which is the $94.77 anu put it into a savings account like a money maiket etc., that has a uecent inteiest iate, only if you woulu like to eain inteiest on top of inteiest. I will explain in little uetail on how this woiks;% Compounueu Inteiest aiises when inteiest is auueu to the piincipal, so fiom that moment on the inteiest that has been auueu also eains inteiest. A bank account, foi example, may have its inteiest compounueu eveiy yeai: in this case, an account with 1uuu initial piincipal anu 2u% inteiest pei yeai woulu have a balance of 12uu at the enu of the fiist yeai, 144u at the enu of the seconu yeai, anu so on. Look foi banks that has uaily oi monthly compounuing. You can tiy Ally Bank, INu Biiect, Citi Bank online oi Cieuit 0nions may also be moie stable since they uiun't give out high iisk loans like the banks have uone in iecent yeais. They aien't taking the big losses in theii poitfolios.
Plus, not all banks pay compounu inteiest. Call aiounu anu ask about iates anu compounuing befoie making a ueposit. Now let's take a look at this piocess in a yeai's time fiame.
2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
1S =-K")+%(K-)*$'"?% G"*)%*9"#)/%]eRR% 2)/-$-(/%$*/-%YcV% `*09-)/%+#-%+*/-%S (/ %"5%-*K3%9")/3% I Spent Ny Piofit Total pay back Nonth 1 $4uu $148 foi the month $S48 Nonth 2 $28u $1uS.6u $S8S.6u Nonth S $S94 $14S.78 $SS9.78 The fiist quaitei has past; I have ueciueu to inciease my loan balance. Total piofit ]Y^cIY_%>.#(%."*)%*9"#)/%"5% ]eRR%'(%f%/"%]_^cIY_I%B)K-%2%')K$-*(-%90%."*)W%2%3*4-% *%/"/*.%"5%]QScIY_%/3*/%@'..%8-%K"9>"#)+-+%')/-$-(/I% ,->-*/%/3-%>$"K-((%5"$%)-J/%P#*$/-$I%% O-@%G"*)%*9"#)/%]U_R% 2)/-$-(/%$*/-%YcV% `*09-)/%+#-%+*/-%S (/ %"5%-*K3%9")/3% Nonth 4 $S7S $212.7S Nonth S $428 $1S8.S6 Nonth 6 $64u $2S6.8u Seconu quaitei: Ny total piofit is ]URcI^SI%I will lowei my inteiest iate to 27% anu inciease my balance, now I'm exactly wheie I want to be at ($1,uuu.uu) thousanu uollais a month spenuing buuget. 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
16
G"*)%*9"#)/%]SRRRIRR% 2)/-$-(/%$*/-%QcV% `*09-)/%+#-%+*/-%S (/ %"5%-*K3%9")/3% % % % % I Spent Ny Piofit Nonth 7 $6uu $162.uu Nonth 8 $489 $1S2.uS Nonth 9 $S12 $1S8.24 Thiiu quaitei: I will keep eveiything the same. Total piofit foi the quaitei is ]dYQIQdI Nonth 1u $S67 $1SS.u9 Nonth 11 $7uu $189.uu Nonth 12 $6uu $162.uu Fouith quaitei: I've piofiteu ]eRdIR^%the ietuin I've maue is way bettei then what any bank oi cieuit union can offei. I staiteu this jouiney with $Suu.uu foi the yeai anu I piofiteu $1,941.62 with $Suu.uu still iemaining on my caiu. Even though I have iaiseu my balance to $1,uuu.uu, I left $1,441.62 in my savings account to eain compounuing inteiest. 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
17 If you iepeat the same piocess ovei anu ovei you woulu be pleasantly suipiise with the money you have saveu up to eain youiself an extia income just been consistent anu tiue to youiself. Let's take anothei iecap. 1. Consigning luxuiy items to make a piofit. 2. Take the piofit anu become youi own bank. S. Bank the money that you've piofiteu each anu eveiy time you consign auuing to youi pie-paiu caiu. 4. 0nce you have ieacheu the maximum amount wheie you feel comfoitable. Beposit the iest funus into an account that eains high inteiest. 0i you can put the money into a ueposit box; shoebox etc., whatevei makes you feel at ease. With this piocess you shoulu be making at least $2,4uu a month oi moie not just with 7")('N)')N but also with 2)5')'/-%H*)M')N%*)+%=*4')N%combineu. The money gain anu the money saveu shoulu be flippeu.
2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
18 Youi paycheck
Extia Income
If you aie ieceiving a steauy income, I hope you iealizeu that youi check has nevei been spent oi touch asiue fiom paying moitgage oi utilities etc. You use only the money that is eaineu in consigning. This technique can be useu on any methou steauy paychecks oi not.. If you have no income at all, stait consigning anu look in youi home to see what you have to offei. Bo not foiget to finu items fiom family, fiienus, fieecycle.oig oi uk.fieecycle.oig, woiluwiue fiee shaie. 2010 Mizz.Ambitious & Company!, LLC All Rights Reserved Worldwide www.2nd-DaryIncome.com
19 http:www.fieeshaiing.oig, Suiplus stoies anu Ciaigslist. X-/%K$-*/'4-D%L3')M%"#/%('+-%/3-%8"JD%% Eain youi income that way anu builu it up. uo to www.NALuxuiyTiaue.com anu ask us any questions that you might have about consigning youi luxuiy goous.
The next chaptei is $1S,uuu oi moie in 6uuays (Pait 2)
I'm Nizz.Ambitious anu as I always say, "Be Loveu, Be Blesseu anu Cieate Success."
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