The starting point of all riches is the development of what Napoleon Hill called a prosperity consciousness. You must become a financial success in your thinking long before you achieve it in your reality. Both poverty and riches are the result of a state of mind, and the most important single step you take on the road to wealth and financial independence is the decision to change your thinking, to impress into your mind an unshakable belief that you can and will achieve your financial goals. This must happen before anything else happens.

When I was growing up, I was fascinated by stories of successful men and women and how they made and lost their fortunes, and then made them over again. I read about the importance of a prosperity consciousness several times. But I never fully understood what it meant until a few years ago. Then suddenly it hit me and I’ve never been quite the same since. Every aspect of my life improved dramatically, especially in the area of accumulating wealth, when I finally understood what was meant by the words prosperity consciousness.

The tenth form of leverage you can develop on your quest for riches, and perhaps as important, if not more important, than all the others, is the correct choice of occupation. Choosing the right job is perhaps the most important form of leverage in America. The one common denominator of successful, wealthy men and women, aside from self-discipline, is that they do what they love to do. The most important decision you ever make in your career is choosing the right kind of work for you.

It is only possible to work hard, overcome obstacles, and persist through to success when you are working at something that you care about, something that interests you and absorbs you completely. In fact, if you don’t love your job enough to want to be the very best at it, you are in danger of wasting your time and wasting your life.

Here is a question for you: If you won a million dollars in the lottery tomorrow, would you continue to work at your current job? If the answer is no, then your first responsibility to yourself is to admit that you are on the wrong road, and to begin seeking your ideal job or position. You must dedicate yourself to finding something you love to do, where you have the potential to excel, no matter what that may require in terms of change or sacrifice.

Once you have found the right job, the work that is perfectly suited for your unique combination of talents, interests, abilities and temperament, then you are ready to start getting rich in America.

If you sincerely desire to be rich, there is nothing outside of you that can stop you. Every type of person with every imaginable handicap, limitation and obstacle, has found a way to overcome their difficulties and go on to great success.

No matter how many obstacles you face, someone else has faced ten times as many and been successful in spite of it. If you sincerely desire to be rich, there is no miracle to it. Becoming wealthy requires a goal, a plan, self-discipline and hard, hard work for a long, long time. These are all qualities that you can learn and develop.

If you are willing to pay the price of success in advance and keep on paying it over and over until you achieve your goals, you will surely succeed. The only real question you have to answer is, how badly do you want it?

Have a credit card is one of happiness for some peoples because right now is not easy to get approval of credit crd. This can be because there is a new regulation of banking that has purpose to control the flow of credit distribution and public. This regulation already makes every bank or financial institute become more careful with credit distribution to public. It’s not mean that bank don’t want to distribute the credit but they just want to make sure that the give a credit to the right and trusted person.

The effect is felt on the credit card application because the approval becomes so hard and the possibility is become lower. CITI credit cards as one of famous player in the credit card market also provide protective system to cover the funds from trouble of credit. I know it because few months ago my friend tried to apply a credit card and until right now there is no feedback or if I may say his approval is rejected without any explanation.

May be for people who have some AMEX corporate credit cards will feel happy because they still can enjoy the service and facilities of credit card and there is a proud of their self because they are AMEX credit card owner. So if you want to apply a credit card better if you prepare with more attention to get approval.