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Welcome to The Innovative Professional's (TIP's) Letter!
Sunday, August 25, 2002
Written & Published by Philip E. Humbert, PhD
Visit our website at:

Table of Contents:

1. The One-Minute TIP
2. Welcome Notes
3. Time, Money and Life Balance, Part 2:  Money!
4. Quotes of the Week
5. Strictly Business:  In Marketing, C = (N) x (I)
6. Resources You Can Use
7. Humor: Punning Around with Mark and Mike 

TIP's is sent only to those who have requested it.
We value your privacy and we never rent, sell, or share
our mailing list with anyone. To Subscribe, Unsubscribe,
or Change your subscription, see the end of this issue or
use the form at our website. Do NOT reply to his email.

1. The One-Minute TIP

Do yourself a favor and master the art of money. Treat it
as an honored guest in your life, one who will quickly flee
if you do not treat her well, but one who will stay and
enrich your life beyond measure if you treat her with care
and respect. This is not difficult, but it is an art most
of us have never mastered. Study money and encourage it to
stay once it has come to visit.

2. Welcome Notes

This has been a busy week, with lots of news and announcements for you.

Last week, I mentioned two of the many freebies at my
website, and hundreds of you responded. I have announced
my free e-course, "The Keys to Success" several times and
the number of new requests had been declining, then last
week, almost 400 of you requested it! Amazing! Even more
astounding, I mentioned my fun little report, "101 Most
Romantic Things to Do and Say", and as of Friday morning,
1790 people asked for it! (TIP's subscribers must be the
most romantic people in the world!)

You can still get both of these free services:

Click Here to receive the free 8-part " Keys to Success" e-course. 

Click Here to receive the list of "101 Most Romantic Things".

Finally, from now on, TIP's will also be available on
my website, along with an index of past issues.  To view
the index  past issues Click Here.

Remember, you are always encouraged to forward TIP's to
anyone who might enjoy it. Your recommendation is how we
grow. Just hit the "Forward" button on your email, and
send it to as many folks as you'd like. Thanks!

3:  Time, Money and Life-Balance, Part 2: Money!

Last week, we began this series on Time, Money and Life-
Balance by looking at time. I argued that you cannot
manage time. Your only choice is how you manage yourself
so you use time effectively. To review that article, Click Here.

This week, we turn our attention to Money, and the good
news is that there is an abundance of money, and it is all
around us! Most TIP's subscribers will earn several
million dollars during their careers, so there is plenty to
work with. And, it can be replaced, managed, and invested
to create even more! The only stipulation is that you are
fully responsible to manage it well.

This can be difficult, because money is not "real". Money
is simply an invention, or a concept, that allows us to
quantify the value of our contribution to society. I saw a
story on diamond mines the other day, and while they earn
millions of dollars every day, one man pointed out that
this is a "miracle of marketing" since we don't use
diamonds for any practical purpose. They are merely
pieces of compressed carbon.

But society values them very highly because we like diamonds!

The ancient rule is that to earn more money, you must
produce more of what society values. To make more,
contribute more.

Secondly, to become wealthy, you must invest some of the
cash you receive as "seed" to produce even more money. As
I point out in my Road to Riches class, most people will
never earn large amounts of cash, and even if you do, taxes
and temptation make earned income the LEAST efficient way
to achieve wealth. A far more effective path is through

Saving five or ten percent of your income and investing
it over time is a simple, powerful and nearly full-proof
recipe for wealth. It's simple, but not "easy".

We live in a consumer society that encourages us to spend
every penny we earn, and even a bit more. I recently read
that Americans get 3000 marketing messages per DAY! No
wonder we spend until the money is gone.

The Road to Riches is paved with small, consistent
investments that accumulate over time. Einstein referred
to compound interest as the "eighth wonder of the world."
The cost of your morning latte, invested daily, will make
you rich in 30 years. There is no mystery here.

Money wants to grow. It wants to flow into the hands of
people who treat it well and use it wisely, but most of us
have never mastered the art of managing money and becoming

Fortunately, there are thousands of books, and dozens of
magazines available to help you. There are classes and
workshops, professional advisors and other resources all
around us, and yet most people have never seriously studied
money, and that's a shame.

Do yourself a favor and master the art of money. Avoid or
get out of debt. Spend less than you make. Save the
difference and invest over time. Treat money as an honored
guest in your life, one who will quickly flee if you do not
treat her well, but one who will stay and enrich your life
beyond measure if you treat her with skill, care and
respect. This is not difficult, but it is an art most of
us have never mastered. Study money. Learn to invite it
into your life, and encourage it to stay once it has come
to visit.

To learn more of the skills to master money, take my 4-week
class, "The Road to Riches". The next class begins on
Tuesday, September 3rd, right after the Labor Day holiday.
Check it out and register online at:  Money.

4. Quotes of the Week

"Destiny is not a matter of chance, it is a matter of choice.
It is not a thing to be waited for, it is a thing to be achieved."
                                            -- Jeremy Kitson

"If you are clear about what you want, the world responds with clarity."
                                            -- Loretta Staples

"People begin to become successful the minute they decide to be."
                                            -- Harvey Mackay

"Take the first step in faith. You don't have to see the whole staircase,
 just take the first step."
                                            -- Dr. Martin Luther King Jr.

5. Strictly Business:  In Marketing, C = (N) x (I)

Every week, I receive emails from professionals and small
business owners requesting coaching to turn their practice
into a true, systematized business, and many of those
requests focus on marketing. It seems most professionals,
from Accountants to Veterinarians, want more customers!

I've developed a formula that helps my clients strategize
about their marketing campaigns and it works like this:

The number of clients (customers) a marketing program
attracts is a product of the Number (N) of people in your
audience, multiplied by the Impact (I) of your presentation.
The result is very simple. To increase sales, you must
either reach more people - increase the N - or increase
the Impact of your presentation. Here are three examples.

A radio ad in a major market might reach a million
listeners (N), but the impact (I) will be very small.
Changing the ad to a call-in talk-show might reach the
same number of listeners, but by increasing the Impact,
you'll attract more business.

Similarly, a speech to a local service club might have an
audience of 100 people, but if your presentation creates
enough Impact, you'll still attract several new clients.

If you mail 1000 brochures and attract 6 new clients, the
(I) for that mailing is .006 and the formula C = N x I
works out to be: 6 Clients = 1000 x .006

You can attract more business by increasing the Number of
prospects, or by increasing the Impact you have on each of
them. Some people prefer contacting more people via the
Internet or renting large mailing lists, while others
prefer the intimacy and personal contact of workshops. Any
method can work, but the formula remains the same:
C = (N) x (I).

6. Resources You Can Use:

The Road to Riches
By Dr Philip E. Humbert

This continues to be the most popular teleclass I've ever
created! Who doesn't want to earn more, spend less, manage
better and retire with more money and less worry? People
love this class! Managing money is not "hard", but it does
take some skill, a bit of time, and the tools to do it
right. We live in the richest country on earth, and yet
too many people live with debt, spend more than they
should, earn less than they could, and fail to create the
financial independence that is available to them. It does
NOT have to be that way! This 4-week teleclass has helped
hundreds of people do better. It can help you, too! We
start on Tuesday after the Labor Day holiday, and this
could be the decision that changes your finances forever.
I hope you'll join us! To get the info and register online,
click here:  Money.

An (almost) FREE CD by Brian Tracy,
"The 21 Absolutely Unbreakable Laws of Money"

This is a great deal from one of America's BEST thinkers!
I've purchased and listened to Brian Tracy's material for
over 20 years, and I find it incredibly valuable. I have
purchased the entire set of 14 CD's! You pay only shipping
for wonderful, motivational information from one of
America's GREAT motivational speakers. Click to order "The
21 Absolutely Unbreakable Laws of Money", a 74- minute
audio program. Learn how people become millionaires,
starting from nothing. It's a great audio tape or CD and
you pay only a small shipping and handling charge. Well
worth it. Get yours today at:  Click Here.

Jim Rohn's Newsletter

I've been a fan of Jim Rohn for over 20 years, and first
heard him speak in Seattle back in 1981. His free
newsletter is one of my favorites, and his books, tapes and
programs are extremely good. He recently released the
CD/DVD and workbook from his Weekend Seminar and it is
fantastic! Three of my clients bought it, and they and I
agree it is wonderful. Invest in yourself and your future!
Buy and use audio programs! Set yourself up for success
and give yourself every advantage, every opportunity to
reach and surpass your dreams! These materials can help!
Click Here

Turn Your Current Website into an
E-Commere Hub!

I finally found a truly simple, powerful (and safe!) way to
sell your books, tapes, workshops and other services on
your current website! For years I struggled with old-style
shopping carts and credit card security. It worked, but it
wasn't easy and it didn't seem "worth it", then I discovered
Don Schnure and his suite of services. Just one payment gives
me a host of tools and more importantly, they actually WORK!
They are easy to set up, reliable, and convenient. My
customers like it, and I love it! To add passive income
and expand your "reach", sign up for the 30-day FREE trial,
explore and test. You won't be disappointed!  Click here!

7. Humor:  Punning around with Mark & Mike...    

For those who just can't get enough punny jokes on your
own, here are a few more contributed by TIP's subscriber
Sibylle Rose in Alberta, Canada. Enjoy!

"That's the third electric shock I've gotten this week", Mike said, revolted.

"I'll have to dig another ditch around that castle", Mark sighed, remotely.

"I'll have to send that telegram again", said Mike, remorsefully.

"That's the last time I'll ever pet a lion", Mark said, offhandedly.

"I'm never anywhere on time", Mike related.

"I've been on a diet", Mark expounded.

"I've lived through a lot of windstorms", Mike regaled.

"I can't believe I ate that whole pineapple", Mark said, dolefully.

"That car you sold me has defective steering", Mike said, straightforwardly.

"That's the third time my teacher changed my grade", Mark remarked.

"I keep banging my head on things", Mark said, bashfully.

"I remember the mid-west being flatter than this", Mike explained.

"I won't let a flat tire get me down", said Mark, without despair.


Be kind to yourself and to someone else, and have a
wonder-FULL week!

Philip E. Humbert, PhD,
Resources for Success!(tm)
President, The Philip E. Humbert Group, Inc.

Shameless Marketing TIP:
Dr Humbert is a professional coach, author and popular
speaker. Ready to achieve more? Imagine what's possible
with a coach! For info and over 250 pages of tips,
tools, humor and resources for your success, visit:
<a href=" ">Click</a>

Copyright (c) 2002, all rights reserved.
U.S. Library of Congress ISSN: 1529-059X
You may copy, forward or distribute TIP's if this
copyright notice and full information for contacting
Dr Philip E. Humbert are included. Contact him at: or email

Please forward this copy to your friends and colleagues!
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