Through perseverance many people win success out of what seemed destined
to be certain failure. -- Benjamin Disraeli

There is really no insurmountable barrier save your own inherent weakness
of purpose. -- Ralph Waldo Emerson

I have learned that success is to be measured not so much by the position
that one has reached in life as by the obstacles which he has overcome
while trying to succeed. -- Booker T. Washington

You have to be like the pebble in the stream, keeping the grain, and rolling
along without being dissolved or dissolving anything else. -- Joseph Joubert
(1754-1824) Essayist and moralist

Do not rely completely on any other human being, however dear. We meet all
life's greatest tests alone. -- Agnes Macphail (1890-1954) Political leader and activist

"There is one thing stronger than all the armies in the world;
and that is an idea whose time has come. -- Victor Hugo

Dear Subscribers,

This newsletter is for you, my email "door" is always open,
so please feel free to email me directly
fran@modernopportunity.com
with any ideas, comments, topics you would like to read about, etc.... _____________________________________________________________________________________

TIP of the Month

Have you ever been surfing along when suddenly you find that
somewhere on your journey you picked up an extra toolbar? Many
of these (Hotbar for instance) are adware that sends targeted
pop-ups. Sometimes you can go to Add/Remove Programs and delete
them there, but how about an easier way to get rid of them AND
prevent them from getting there to begin with.

NOTE: If you are using a friendly toolbar like those from Google
or Yahoo, you don't want to follow this tip.

OK, here's the trick: go to the "Tools" menu and choose
"Internet Options". Click the "Advanced" tab then scroll down.
Underneath "Browsing" you'll find a checkbox that says, "Enable
third-party browser extensions". Uncheck this box and press "OK"
to close the dialog box.

After you restart your computer the extra toolbars and buttons
should be gone.

Did you know that subscribers to Bob Osgoodby's Free Ezine the
"Tip of the Day" get a Free Ad for their Business at his Web
Site? Great Business and Computer Tips - Monday. Wednesday. And
Friday. Instructions on how to place an ad are in the Newsletter.
Subscribe at: http://adv-marketing.com/business/subscribe2.htm

A Holiday Message from the Publisher by Francine York

On behalf of the staff of Modern Opportunity, I want to wish all our readers a joyous,
safe, happy and healthy holiday and New Year 2006. I truly believe that what
we all need to learn is to cherish the times...ones with family, friends
and ones which bring us a true sense of accomplishment. Follow your dreams,
follow your heart and find your true inner self. Our job as adults is to
endeavor to see that the next generation is prepared to face whatever may
come their way with dignity, principle and morality. We are duty bound to model
behavior that would make anyone proud. Most of all, we must remember the adage,
"Watch what a man does, not what he says".
Thank you for your loyalty to Modern Opportunity, Merry Christmas, Happy Chanukah,
Happy Kwanza and Happy New Year, Francine York and staff

"The ultimate measure of a man is not where he stands in moments
of comfort, but where he stands at times of challenge and
controversy." -- Martin Luther King, Jr

The Holiday Season is Upon Us by Bob Osgoodby

Despite all the negativism by a small minority, the Holiday
Season is upon us. Yes Virginia there is a Santa Claus and there
will be a Christmas. With the rush of holiday shopping however,
people tend to neglect their online businesses.

Every business has its peaks and valleys. During the Holiday
Season for example, retailers have their peaks. Other businesses
may suffer however, but even during the "lean" times they must
still meet their monthly obligations.

The pundits may argue that the economy is what is causing
turmoil and business failures. Businesses that do fail however,
most likely have overextended themselves, to the point that
their cash inflow wasn't enough to cover their expenses. How
does this affect the small entrepreneur? Can we learn a lesson
from this?

It doesn't matter how great your product is or how wonderful
your service, if you don't have customers, all you have is a
skill, or a product. People don't go into business normally as a
hobby, although a lot of hobbies do turn into a business. The
trick however, is to turn it into a positive cash flow to
realize your goals. If you're serious about doing business, you
must plan for the long run. Successful businesses don't normally
just happen. They are the result of long hours of planning, and
a great deal of work.

There must also be a "war chest" of funds available until a
positive cash flow is achieved. One of the major problems that
many encounter when starting up, is that they overextend their
financial resources. No matter what your business, or how it is
run, you must be able to meet current bills when they come due.

If you are considering joining an affiliate program, a number of
companies were founded that were simply "Ponzies" in disguise.
The majority of their cash inflow was the result of signing up
new members. When the cash flow from new recruits dried up, so
did the investment of those who had joined.

Are there legitimate companies out there - sure and many have a
great track record. They don't rely on attracting high priced
recruits, but have a legitimate product or service that they
offer. If you are going to get involved in one of these
companies, their track record should be a major concern.

So - assuming you found such a company, it is time to
investigate the feasibility of you going into business with
them. They provide the product or service, and you must set
yourself up in business. Here is where the cash flow comes into
play.

Can you afford the monthly amount you pay them? Can you afford
to promote your relationship with this business without
immediate income? If the answer to either question is "no",
you'd be well advised to reconsider.

If the answer is "yes", how are you going to promote it? Most
companies recommend you exhaust your "warm market" first. Your
"warm market" is your circle of family and friends that you
might convince to join in with you. Eventually however, you are
going to exhaust this market and must start seeking people
outside that circle.

One way to attract new people is in the online arena. While this
will not replace the "face to face" contact that is necessary,
if it is done correctly, it can add a valuable source of
additional income.

Many people make the mistake of using a web site supplied by
their company. While this can be a valuable tool, it really ties
you into their product. If you get your own site, you can use it
to highlight your offerings. It is of course necessary to
advertise your web site, and ezines and newsletters usually give
you the best return on your investment. With a modest investment
on your part, you can realize a decent return.

Usually, for less than a few hundred dollars, you can get a web
site and advertise in ezines targeted to your potential market.
Most people can afford this without counting on their cash
intake to cover the expenses. Determine what you can spend out
of pocket to make something like this work. Then, as your cash
flow improves, expand your advertising to include a broader
market.

While this is a modest start, it doesn't put you in the position
where you must realize income to make expenses. Above all be
patient and realize it will take time and effort to realize your
goals. Remember, during the holiday season, you can take some
giant steps forward while others are neglecting their businesses.

Did you know that subscribers to Bob Osgoodby's Free Ezine the
"Tip of the Day" get a Free Ad for their Business at his Web
Site? Great Business and Computer Tips - Monday. Wednesday. And
Friday. Instructions on how to place an ad are in the Newsletter.
Subscribe at: http://adv-marketing.com/business/subscribe2.htm

Can't You See I'm Working? by C.J. Hayden, MCC

For many working parents, telecommuting or a home business may
seem like the answer to your prayers. You want to have more
time with your kids and greater flexibility, so you take the
leap, install a second phone line, and set up a computer in the
dining room.

But the first thing you may discover is that working from home
includes many unexpected distractions. Children, your spouse,
neighbors, and the family dog come and go. They make loud
noises, ask for your help, or interrupt to ask a "quick
question," always just long enough to break your concentration.

Your family and friends don't seem to understand that you're
working. They ask you to run errands, expect you to handle
chores, and want to chat on the phone. When you see the pile of
laundry or stack of dishes sitting there waiting, you may be
tempted to take time out from work to clean up a bit. You'd like
to keep your house livable and be available to the people you
care about, but it's just too much for one person to manage.
When can you get any work done?

The way out of this dilemma is to set clear boundaries on your
space, time, and responsibilities. If your office has a door,
try having "open-door" time and "closed-door" time. When your
door is open, the kids can come say hello, ask questions, or
tell you about their day. When the door is closed, it means "Do
Not Disturb."

A good way to explain this to children is to tell them you need
some private time, not just that you are busy. If your office
doesn't have a door, you need one! Try to find another place in
your home where you can create some private space for at least
part of the day.

Setting regular working hours will help you manage your time
better as well as give some guidelines to your family. Build
your hours around the family activities that are important to
you. If your kids get home at 2:00, for example, set up your
work day from 8:30 to 2:00 and 4:00 to 6:00. Your schedule can
change each week to allow for your children's activities, when
necessary.

Choose how many work hours per week makes sense for you, design
a schedule, and post it on your office door. Highlight the open
times, and let everyone know that's when you are available to
them. If your family expects you to run errands and handle
chores during your work day, it may be time to hold a family
meeting. Explain to your children (and remind your spouse) that
it may look like mommy or daddy is playing on the computer or
chatting on the phone, but this is his or her job, and it
contributes to the family's income.

Start by listing all the jobs that need to be done for the
household, and who does them now. Instead of assigning chores,
try asking each family member to volunteer for something. If
there are lots of tasks left over, be sure to ask if they really
need to be done, or done as often. (Dusting, for example, may
need to go by the wayside.)

If you are doing chores during time you could be making money,
consider hiring someone else to clean your house, service the
car, or drive the kids to after-school activities. When one of
your boundaries gets tested, learn to hold the line. If you give
in even once, don't expect the boundary to hold up. Try making
the closed door, posted schedule, or job roster the bad guy
instead of yourself.

Instead of, "I'm too busy to talk right now -- you'll have to
wait," say, "The door is closed now, would you please come back
when it's open?" When friends phone during work time, ask them
to call back after hours. And when someone doesn't do one of
their chores, don't do it for them. Serving a meal on dirty
dishes may seem extreme, but it will get the message across.

C.J. Hayden is the author of Get Clients NOW! Thousands
of business owners and salespeople have used her simple sales
and marketing system to double or triple their income. Get a
free copy of "Five Secrets to Finding All the Clients You'll
Ever Need" at http://www.getclientsnow.com ________________________________________________________________________________________________

The Power of Purpose By Dr. Freddy Davis

Some time ago I read a news report that was, actually, quite disturbing.
It seems that there was a grossly overweight woman who was so immobile
that she, literally, could not get up from the couch. That couch had been
her home for about six years. She couldn't get up to eat or even go to the bathroom.

I can only imagine how disgusting the situation was simply from the point
of sanitation. But there was an even bigger problem that emerged. It seems
that one day she became ill and the person who lived with her was not able
to get her up to take her to the doctor, so emergency workers were called in.

When the emergency services people arrived they wanted to transport her to the
hospital but they ran into several problems. The first was that the house was
so putrid, people had to wear protective gear to go in and even pump in fresh
air from the outside. Another was simply her weight. She was so large
(5'10", 480 pounds) that they had to call in extra help.

But even that was not enough. As they tried to get her up, they realized that
her skin had actually grown into the fabric of the couch. They couldn't get her
out from that, so they had to transport the entire couch with the woman on it.
It was all so large that they couldn't even get her through the door. They had
to take out the sliding glass doors and lift the couch, with the woman still on it,
onto a trailer being pulled by a pick-up truck. She died in the hospital as doctors
tried to get her free.

Now, this is not meant to make light of this woman's horrific situation. I believe
this was a genuine tragedy. However, it is one that was completely preventable. The
reason she was in such bad condition was because she didn't do anything to take care
of herself when she was able to do it. Instead, one day she just sat down on the couch
and never got back up. For some reason, she lost her whole reason for living life and,
basically, just gave up.

The Importance of Purpose

Everybody lives life from the moment of birth to the moment of death. Profound, right?
But the life issue that we must address does not relate strictly to whether or not we
physically exist. It is quite possible to be physically alive, yet our life be of such
poor quality that there is no personal enjoyment, meaning, or inner peace. The question
is, "What do we do with that time between our physical birth and death?"

Why is it that some people's lives are bursting with purpose, yet others spend the bulk of
their free time wasting away in front of the TV, sleeping, or involving themselves in
self_destructive behavior?

There are certainly a lot of different factors which play into an individual's quality of life.
But the key, foundational element is purpose - a reason. A person who has a reason for living
an exciting and productive life, does it. The one who doesn't have a reason, wanders aimlessly
through life.

We could camp on that one simple truth alone and have enough material to ponder for months. But
lets take things one step further. We must not only know that having a purpose is the key to a
productive life, we must know our own personal purpose which is able to lead us to that productivity.

Beneath every viable purpose is a set of principles that allow for the purpose to exist. If your
life is established on a set of principles that maintains, "It is not worth the effort to get out
there and get a job," you won't get a job. If your principles assert, "I am unable to advance because
of my skin color, family situation, past history, gender, or socio_economic level," you will not advance.

On the other hand, if your principles declare, "I am capable, and it is worth it to try," you can do
almost anything. Not only that, you will do almost anything.

I personally know people who live life with purpose and those who don't. You probably do too. You know
people who are lazy bums, people who are negative about life, people who are "just getting by," and
those who are wildly successful. It all has to do with their effort and attitude. But all of that is
built on the purpose which underlies those efforts and attitudes.

Getting at Your Purpose

It is an exciting thing to recognize the power of purpose. It is exciting because with that
recognition comes an understanding that it is actually possible to do something about the
various struggles we face in life. We can look at life and do an analysis, determine if we
have a purpose, and decide whether or not it is taking us where we want to go. And if we don't
like what we see, we can do something about it.

If you want to get a grip on your purpose, you can begin by answering a few simple questions.
I suggest taking the time to actually write down your answers.

1. In a general sense, what is my purpose in life? (What is my reason for getting up every_day
and doing what I do?)
2. Do I like the direction I am going?
3. If I could change and go in a new direction, what would it be?
4. Would it be worth it to make that change now?

Answering the questions does not automatically give you purpose. But, once you come
to grips with your answers, you will be in a position to take yourself anywhere you want to go.

You already have a purpose that is driving your life. It may be a conscious or
unconscious purpose, but it is there and has brought you to the place you now stand.
If you want something different for your life, you have to power to create it. Grasp
your purpose now, and make your life worth living.

Dr. Freddy Davis is the owner of TSM Enterprises and conducts conferences, seminars and
organizational training for executives, managers and sales professionals. He is the author
of the book Supercharged! as well as the "Nutshell" Series of books for strengthening business.
Sign up, free, for Freddy's twice-monthly e-letter, Nutshell Notes, at http://www.tsmenterprises.com.
You can contact Freddy directly at 888-883-0656 or by e-mail at
info@tsmenterprises.com.

_______________________________________________________________________________________________

Passion Pays Taking Your Productivity to the Next Level by Dr. Freddy Davis

The house we live in is on a half acre lot with lots of trees. It is a beautiful setting,
but the situation does call for a certain amount of work to keep the place looking nice.

Some time back I gave my teenage son a job to do out in the yard picking up sticks. Since
the sticks look bad and can do damage to the lawn mower, this needs to be done every so
often before I mow the grass. Frankly, my son despises picking up sticks. I really don't
blame him. I don't like to do it either. Most of us, when there is a task we have to do
but don't like, will put that job off as long as possible. My son is no exception. Instead
of just getting out there and getting it done, his tendency is to wait until the last minute,
then do it half-heartedly.

But, I have observed an interesting phenomenon. Even though he hates this job, there have
been a few times when he went out and did it with a lot of enthusiasm. This tended to be
times when he wanted me to do something for him, or when he, for some reason, particularly
wanted to please me.

Isn't it interesting that a person can actually become enthusiastic about doing a job that
they would normally despise. What if you could learn to do that for yourself at will, and
inspire the people who work under you to do it, as well?

The Problem of Productivity

Recently the Gallup organization published a book that gave some insight into this phenomenon.
Their research indicated that 75% to 80% of people in any given organization are performing
below their potential. The fascinating conclusion, though, is breathtaking. If employers could
get their people working to full potential, they would boost customer loyalty by seventy percent
and profits by as much as forty percent. What would that be worth? It is one thing, though,
to know the math, it is another thing to actually get people working better. But it can be
done if approached the right way.

While many companies focus almost exclusively on the financial bottom line, that is not the
place where the most benefit can be extracted in creating a better bottom line. If all of the
work in the company is handled by some mechanical system, maybe a "bottom line/mechanized" focus
is an option. But most organizations depend on people to make the systems work - and people have
their own special set of requirements.

I know people who are willing to work harder, and for less pay, because their work situation
gives them the kind of personal fulfillment that motivates them. I am also aware of situations
where people quit jobs that had very high pay and great benefits because, to them, the pressure
was not worth it.

So, what can a company, or a management team, do to get its people operating in a way that
produces high job satisfaction, high customer loyalty, greater productivity, and a bigger
bottom line? The answer is to know your people and challenge them in ways that fit them
individually. This may seem like a daunting task but, if the Gallop organization's conclusions
are correct, figuring this out may be the most important thing your company can emphasize.
This is actually not that difficult a task. But, it does require that every level of the
organization be staffed with people who are right for the job. This may not to be so difficult
to do if the organization has a large number of people to draw from. The HR department can
usually pick out the people with the right qualifications to do the company's work. The
difficulty lies more at the management level where individual managers must have great people
and decision making skills, in addition to the task skills.

This is often where "The Peter Principle" kicks in. The Peter principle states that in every
hierarchy, each employee tends to rise to his level of incompetence. The primary reason this
happens is that people who are great at doing their production job get promoted to positions
which require them to have relationship and supervisory skills that they don't have the training
or the personality for. It is not enough for them to be experts at doing the job, they have to
become experts at helping other people become experts at doing the job. This can be developed and
should become the focus of management placement.

This is not to say that an organization should have lax requirements. In fact, if the company expects
to compete in the rough and tumble free market jungle, there must be high standards. The real issue is,
"How can you cause your people to be excited about working in that kind of environment?"

Start with a Human Focus

Here is the bottom line. People will move heaven and earth to accomplish the thing that fulfills
their personal sense of purpose. This personal sense of purpose is different for each individual,
even for those who have the same job description. That is the reason managers have to focus at an
individual level. The company's bottom line can not be the focus. Rather, it is what the task means
to the worker who is doing it.

Let's look at an example. Bill, Jack and Ramona all work as financial consultants for a national
company. All have been with the company for about two years, but their manager, Alex, has noticed
that there is a lot of inconsistency in the work of the three. He knows that all three have great
potential. He has seen it displayed at times.

To try and be a better manager, Alex has studied different management techniques and styles. He
has tried to motivate his people by dangling incentives in front of them or sometimes by getting
on their case - with varying results. The various programs that he has studied seem to work
sometimes and sometimes not. What Alex doesn't realize is that the issues that motivate his
three people are all different.

Bill is recently married. He makes enough to live a comfortable life and is not nearly as
interested in the company's bottom line as Alex is. What Bill wants is to make enough to take
care of his new wife and to have time to do things with her.

Jack is an immigrant and must support his wife and three children as well as both of his parents.
He seems to be motivated to work hard no matter what the situation and would probably work one
hundred hours a week if he could. He does, though, struggle a bit with the language.

Ramona is a hard worker, but she is a single mom with one child in elementary school and another
in middle school. While she is committed to the company, she sometimes seems rather distracted.

If Alex is only looking to management technique to get better productivity, it will always be hit
and miss. Sometimes he will accidentally find something that strikes a chord with one of his people.
But, if he will make the effort to learn what fulfills each one's purpose, and facilitate that need,
the outcome will be exactly what he is looking for.

Fulfill the Purpose

Each individual starts their work on the basis of their own purpose, not the purpose of the company.
The trick, for the manager, is to create a situation where the purpose of the company and the purpose
of the individual coincide. Once that common ground can be developed, the worker will work for
the company as if working for self.

Perhaps there is a way to create opportunities for Bill to spend extra time with his wife while
doing certain company projects. Perhaps there is a way to help Jack with his language so he can
do more in less time. Perhaps there is a way to help Ramona with scheduling so that she can be more
productive during the time her kids are in school. If they knew that Alex was trying to help them
this way, would they be more loyal? More productive? More satisfied with their job situation?

Absolutely!

In fact, the satisfaction they receive from being more fulfilled will cause them to work
in ways that generates more customer loyalty and higher profits for the company. Over time,
the job satisfaction will turn to job passion. And as we all know, passion pays!

Dr. Freddy Davis is the owner of TSM Enterprises and conducts conferences, seminars and
organizational training for executives, managers and sales professionals. He is the author
of the book Supercharged! as well as the "Nutshell" Series of books for strengthening business.
Sign up, free, for Freddy's twice-monthly e-letter, Nutshell Notes, at http://www. tsmenterprises. com.
You can contact Freddy directly at 888-883-0656 or by e-mail at
info@tsmenterprises.com.
____________________________________________________________________________________ _____________________________________________________________________________________

Your sucess is our focus; to that end, we will
always endeavor to bring you the most current and vital information to assist you on your road
to success. If you have an idea for a topic or have a question, please feel free to email
me directly at: fran@modernopportunity.com

__________________________________________________________________________________________________

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A personal message from the publisher...

How I became a proud, single, work at home grandma.

My name is Francine York, publisher of Modern Opportunity
Web site and newsletter. I welcome you to what is fast becoming the quintessential
business opportunity web site. Not only will you find a wide variety of interesting
and profitable opportunities; but you will find services and products as well. Feel
free to browse the site and read the many informative articles and columns geared to
assisting you in becoming a successful entrepreneur. My email "door" is always open to you; so email me anytime and you will receive a personal
reply from me.

And now, about my background and how I came to publish this site and newsletter...
Due to budget tightening, my job at a not-for-profit agency was cut back to part time. Because I
needed more of an income, I set out looking for a new position. At about the same time, my daughter
and son-in-law gave me the wonderful news that they were expecting their first child and my first
grandchild! My joy was boundless until the reality of economics deflated my euphoria. My daughter
would have to go back to work three months after the baby was born. I started envisioning he/she
being cared for by strangers in a day care setting. Fortunately, when I had my three children, I
was able to stay at home until the youngest was in full day nursery school; but she could not
financially do the same.
EUREKA! It suddenly became crystal clear...I would stay home and care
for my grandchild.

First I headed for my financial advisor to review my finances and
see if I could do this. He politely and firmly said, "Get a job, send your grandchild to day care
like so many others do; sell your house; giveaway your three dogs; and rent a small apartment, then
maybe you can afford to stay home." Needless to say, I was horrified and angry. You see, I had
recently separated from my husband of many years and could no longer rely on him to help with the
income.
The more people told me what a crazy idea this was, the more I was determined to do it!
I began looking in the classifieds for home based business opportunities. Most listings were for
opportunities for which you needed a great deal of money; and that I would not be able to run from
my home. That was not going to do. Unfortunately, at the time, I was not knowledgeable about the
myriad business opportunities available which can be operated from the home. Finally, I saw an ad
for newspaper for sale. The same week my grandson, Ethan Jacob, was born (May 11, 2002), I became
the new owner of a business opportunity newspaper. Since I knew the impact the Internet has on today's
existence, I immediately started designing a web site. Today, after a year of changes, improvements,
redesign and hard work, the site has grown to over sixty pages with more on the way.

I am a proud, single, work at home grandma now; and loving every minute of it!...and guess what?
On March 18, 2004, I became a grandma for the second time...Ryan Caleb!

To give readers, some info about my educational background...I graduated from
Brooklyn College, Brooklyn, NY with Bachelor and Masters of Science degrees in the field of education.
I spent the next four years teaching in a N.Y.C. public junior high school. Coming next was a move
to the "burbs" in 1973 followed by the birth of my third child. When he turned four, I returned to
teaching in a Brooklyn High School. The commute, the conditions and having a mother who was quite ill
caused me to rethink the teaching profession. I decided that I needed a change, a challenge
and to be closer to home. My next venture was opening a retail business...a Hallmark card and
gift store on Long Island. Fifteen successful years later, that was sold. Not at all ready to
sit idly by and watch the world pass me, I sought a new focus. I found a job working for a small
marketing company. Since writing was always my hobby-I have been published several times-I was
able to write copy, marketing plans, radio commercials and the like. It was during that time,
after many years of marriage, that my husband and I decided to separate. The week after my
daughter was married, 8/13/00, I lost my job. Luckily, I was hired to do public relations,
write press releases, oversee the computer program, assist with development, etc. for the
not-for-profit agency at which I had been volunteering as a crisis counselor since 1995.

My story comes full circle...I am here, it's 2003 and I am a very happy
stay at home, single grandma whose mission is to offer money-making opportunities, services,
products and essential information so others who desire, or need to, will be empowered and
able to stay at home; and they will be able to find all the resources necessary to do just
that right here...so, WELCOME and much success in your endeavors!

Thank you for your interest in Modern Opportunity... Business Opportunities for Long Island and the world!

If you no longer wish to receive this Free newsletter simply choose any of these options:
1-by email newsletter@modernopportunity.com and write unsubscribe in the subject line
2-by telephone at: 631-673-3208
3-by mail: Modern Opportunity, 104 Pleasant Street, suite B, Huntington, NY 11743
Thank you