July 16, 2008By: admin Category: UncategorizedNo Comments →
The ‘Golden Nugget’ of Traffic Exchange Advertising
As someone who is trying to become a work at home Mom, I am constantly trying to learn how to promote myself. I know if I want to make money on the internet, I must always be educating myself. Here is what Jon Olson teaches about a tool used to promote yourself online.
In my previous post, I detailed the three must have resources that you should be using in the traffic exchanges. I touched on today’s topic because I wanted to go into detail about the ‘bonus tip’ I talked about. They are called autoresponders and they represent a huge shift in thinking that every internet marketer goes through.
Brand and build. These two words hold much more weight than I can describe but when I focused my energy and effort into branding my name and building my mailing list, success seemed to come to my business like nothing before it.
Here’s why. In the traffic exchanges, we are often sold on the ‘quick fix’. The quick way to internet success, the quick way to get an early retirement, the quickest way possible to make money online.
The problem for me was that after 3 years of literally scraping by, I didn’t see the big picture because I was still trying to get that quick fix.
Branding your name and building your mailing list are an ongoing task. These two things that never get old, and they never lose their importance. Your mailing list is the most important asset your business will ever generate and once it is going, it does snowball, but the problem is usually getting the snowball down the hill.
This is where branding your name and the traffic exchanges come in. By using these services, you can successfully promote your likeness or business in front of thousands of surfers, every single day. If you do this for an extended period of time, your name starts to stick and it’s much easier to get people into your circle of influence (ie: your mailing list). I coined the term ‘traffic exchange brand awareness’ and it’s the ONLY thing you should be doing in the traffic exchanges.
Don’t try to ’sell’, don’t try to ‘build a downline’, don’t try to get user participation. Brand your name and build your list. That’s it. Once you do, you start to generate the mailing list using the autoresponder of your choice and before you know it, that snowball starts to roll…
"How Do I Get More FREE Traffic To My Website So I Can Grow My Business?"
So you wanna make money online.
Hang on there Bucky... not so fast.
There are more Internet millionaire "wanna-bes" than you might think. And many have spent more than a few years and more than a few thousand dollars in a vain effort to start a profitable Internet business.
While it may seem that "everybody" is making money online, that's simply not the case.
Since 1996 I've received literally thousands of emails from people who just can't seem to do it. They come to me for help because I've had success online.
And my guess is that for every person in need of help, there are 10 more who won't admit their frustration. People hate admitting failure.
I've got news for anyone still struggling to make it online. Failure is an important step. Failure is the best way to discover what doesn't work -- the roadblocks that stop most people. In the process, you find out how to clear these roadblocks and take another important step toward success.
Here are some of the roadblocks you will encounter as you try to earn income online.
Roadblock #1: The Initial Learning Curve
Succeeding at an online business requires mastery of several key abilities, all during the start-up phase. This can be overwhelming to many newcomers, and leaves lots of folks spinning their wheels.
For example, you have to build a user-friendly and relevant website or blog, all without making any mistakes that cause you to lose credibility in your prospect's mind and cause them to click away from your site.
Not easy!
And though there are countless experts, books, and how-to courses on how to start a business online, it's hard for a beginner to know who to believe. There are multiple online business models to choose from as well.
You also need to decide what niche you will enter and what products or services you will sell. Ideally, you want to enter a niche that interests you. But it should also be a niche that can be profitable. Careful consideration is important, and sometimes crippling to the newcomer.
In order to get through the learning curve roadblock you'll need to spend time researching your ideas and your plan. This means educating yourself on topics such as niche selection, website creation, sales letter writing, and opt-in list and relationship building.
If you get stuck on this roadblock for more than a month or two, consider sharing your ideas with someone you trust, preferably someone who has had success online.
Roadblock #2: Website Traffic
Novice Internet marketers know they want their site to be found in the search engines, but many fail to look beyond this step. They soon discover the amount of competition they have for their keywords and search phrases, and the difficulty in getting ranked well, then give up in frustration.
The Internet reality is that a top-ten ranking for popular keywords in any niche is difficult to achieve. But that's OK, because it is only one small part of a profitable Internet marketing campaign.
That's right, every new business owner soon finds out that they'll need to master the complete art of marketing online. This means using multiple methods to drive traffic to a site. And no, you do not have to spend a fortune. There are dozens of proven ways to get traffic to your site, including paid advertising as well as a multitude of no-cost traffic strategies.
The real secret to overcoming this roadblock is being willing to try multiple methods and track the results. Again, this takes time and effort, two things many newcomers are not willing to put in. However, many entrepreneurs who clear this roadblock go on to super-success.
Roadblock #3: Tempting Distractions
It is very easy to become distracted when building an Internet business. These constant distractions lead you off-course and into dead-ends, unless you're very vigilant.
If you subscribe to ezines or visit Internet discussion forums and blogs, which are recommended methods to build knowledge and connect with potential customers or partners, you're bombarded almost daily with extremely tempting distractions.
You'll constantly be tempted to try new ways to make money. New advertising strategies to try. New top-secret, never-before-revealed-to-the-public ways to get more targeted website visitors than you've ever imagined. And so on.
And while some of these strategies may be an excellent fit for a particular online business, many will not. Since inexperienced Internet marketers find it difficult to make that distinction, they waste time and money delving into new income models before mastering their own plan.
My advice to you... stay focused on your main task. Once it is yielding a reliable income stream, only then should you investigate ancillary business models.
In closing, hopefully, if you're considering starting an Internet business, or you're already in the mix, this article will help you avoid the common roadblocks keeping thousands of people from success.
It's certainly possible to make a substantial secondary or primary income online - but it's much more likely if you have a good grasp of the obstacles you'll encounter along the way.
To your Internet marketing success...
Jim Daniels - JDD Publishing
The $200 Blueprint helps you with these roadblocks. It helps boost your learning curve with a step by step blueprint to follow to your success in your internet business. It has numerous tools to help lead traffic to your website. The Blueprint forums and Skype chat rooms help keep you focused on your goal. Come join us to avoid those roadblocks.
Do you get multiple emails every time a new product or service is launched in the Internet Marketing arena? I got about 30 messages last week on one program alone, and that's not uncommon.
Today I will reveal the real secret behind all these "launch" emails and expose a potential flaw in your own marketing plan...
OK, so what's up with all these launch emails?
Well for starters, did you know that most of the people promoting these products never even buy the product for themselves? That's right, most of those "recommendations" are coming from people who have no idea exactly what they're promoting.
The truth is, they're doing it for the affiliate commissions. That's why you see so many "launch messages" in your inbox. In fact, that's why you see so many emails period. I challenge you to open ten random emails right now, and count how many of them are trying to sell you something.
Now I want to share the real truth behind all these "sales" emails...
They work!
That's right, email marketing really works.
Now I'm not talking about the spam emails you get for cialis and all that other crap. I'm talking about emails you get from list owners you know and maybe even trust. That's called relationship email marketing and it works as well as ever.
Now the real question... What about you? Are you using relationship email marketing? Do you have a growing email list? I certainly hope so, because if you are not collecting names and email addresses from people who are visiting your website, you are missing the boat in a big way.
In fact, it's amazing to me that more people don't build their own email lists!
I can only assume it is because it seems like a daunting task to get it all set up. And yes, it may take you a few hours or even a whole day, but it is absolutely critical if you plan to make serious long-term income on the Internet. And here's why. Most people who visit your website only do so once. By collecting email addresses you retain and recycle the traffic you worked so hard to get in the first place.
I know the word recycle is not one of those sexy words that makes people sit up and take notice, but look at it this way...
Imagine if there were a way that each visitor to your site could be contacted repeatedly, (100% on autopilot) and gently urged to try your products or services, or products and services you recommend as an affiliate. Plus, anytime in the future you could contact all these same people (hundreds or thousands of them) about a new product or service.
That's what properly building your own permission-based email list is -- automated follow-up email marketing and broadcast email marking rolled into one. Another way to describe it is... the most profitable Internet marketing strategy there is.
What's the Best Way to Get Opt-ins?
Building a responsive email list starts with collecting email addresses of people who want to be contacted by you.
The easiest way to build a list is to give away a free ebook or other gift with a high perceived value. You should show a virtual 3D image of the gift, and an easy opt-in form. You can do this right on your home page, or on a pop-up page, or even a squeeze page.
Pop ups are one way many Internet marketers collect names. Contrary to popular belief, popups are still a viable way to get opt-ins. If you want to try this proven strategy, just be sure to select a popup creation tool that is not easily blocked.
Squeeze pages are also quite effective when done correctly, and can be an integral part of your on line business. A squeeze page is just a standalone web page containing some pre-selling info (video works well nowadays) and an offer - you are trading something of value to your visitor for the right to contact them in the future.
To simplify squeeze page creation, make a template with your HTML editor, which you can use over again just by making minor changes to the information, depending on your present offer. Again, you need a quality offer to entice the visitor to hand over her/his information. Preferably, this will be something of a free nature and should be something that solves a problem for the visitor. Free reports or ebooks work great and these items need not be your product but can be products for which you are an affiliate.
Remember that by using a squeeze page with affiliate products and services, you acquire the customer information rather than the affiliate site capturing them first. And that is the goal of your squeeze page - to help you build your customer list!
As to the technical details of the opt-in forms, it is really very simple. If you're like me and somewhat technically challenged, the easiest way to get those opt-in forms on your pages is by pasting some html code.
Services such as The New Plan Network automate every aspect of your list building, including the paste-in forms. I highly recommend you take advantage of one of those services.
Oh, and remember to keep your form simple. Ask for only the minimum amount of information needed for the follow up - first name and email address is all you really need. People are often reluctant to give up a phone number - especially on the first contact. They fear being put on lists or being called at all hours of the day or night. It is important the visitor understand his/her information will be kept confidential.
What To Do With Your Opt-ins...
The day you start building your opt-in list you also should write a series of helpful email messages that will be sent to everyone who opts in.
This is easier than it sounds. Ideally, you'll want about 20-30 messages, but you can start with a handful in the beginning. The email messages should sound friendly and personal and should be scheduled about a week apart.
Write like you are writing to a friend. Some of the messages should simply say, "Hey, how's it going? Do you have any questions for me?" Encourage them to contact you. Forming relationships grows business and it should be a top priority.
Other messages will tell them about something they may be able to use. (Using your affiliate links of course!) This strategy really is quite simple, and extremely effective. Over the course of a few months you'll share a variety of quality products and services with them, that are directly related to their area of interest. You'll also get to know lots of potential future customers.
Oh yeah, and be sure to personalize each message with the first name of each person who downloaded your ebook or ask for your information. This is another feature that is easily implemented with either of those recommended autoresponder services...
In addition to these automated follow-up emails, you can and should broadcast special messages to your list as the need arises. While you do not want to overdo it, it is perfectly acceptable to tell them about a new product you or a colleague of yours just released. If fact, most of the web's biggest affiliate profits are realized through this very strategy.
OK, that's enough for today. You have a lot of work ahead of you. Why not grab an autoresponder account right now and get to work building your Internet Marketing list!
About the Author: Jim Daniels - JDD Publishing
Creator of ezWebBusinessBuilder.com - the world's first View it and Do It software for profiting from the web.
Establish an Online Presence for Your Work From Home Business
If you're starting a work from home business on the internet, you need to establish an online presence.
Whether you start from scratch, promote your affiliate programs, or market yourself as an independent representative of a direct sales company, starting a website is the center of your work from home online presence.
Some affiliate programs and most direct sales companies will provide you with a replicated website.
Everyone who is marketing the product will have a website that looks the same and in most cases cannot be modified except by the company.
While these websites are usually good sales tools, they are not suited to marketing your goods and services. They do nothing to promote what is unique about you and cannot be optimized for good search engine placement.
Before moving on to establishing your own work from home website, some of the common terms should be defined:
Domain - A domain is a web page address. It is what you enter into your browser to find a particular web site. This work from home group's web page domain is internetmarketingblueprint.net
URL stands for Uniform Resource Locator. This is a way of specifying the location of publicly available information on the Internet. For example, this site's URL is http://www.internetmarketingblueprint.net/
Web Host - the company that stores the files for others' web sites.
Server - a computer program that provides services to another computer program. There are many different kinds of servers. For example, file server, web server, etc.
If you are starting out (or even if you have been trying for a while) to establish your work at home business, visit the Crazy Fox Marketing Specialists for support in your endeavor. Our team works together to benfit all. Read our Free Report to find what marketing tools we have for you. http://www.internetmarketingblueprint.net/
Balancing Yourself in Your Home Based Business With Cynthia Walker
Ben Franklin said "All work and no play makes Jack a dull boy". As someone who has a Home Based Business or is planning on having their own business at home, you need to make a plan to help you keep a balance in your life
Here are five tips to managing your time between your business and home: Plan ahead and write down your goals. Decided the best times of the day to run your business. You must have a designated area in your home to work at. The most important tip is to take breaks. You'll be able to work more productively.
Making a plan includes setting goals. Make daily, weekly, and long range goals. Be specific. Daily goals could include things like working a certain number of hours at a certain task, calling a certain number of clients, attending training sessions, and so forth. When each goal is reached, check it off the list. I have heard from more than one person involved in Home Based Businesses, "plan your work and work your plan". When you complete a goal and check it off your list, you can then focus on the next goal.
Writing down your goals makes them easior to remember and follow. You can use a journal, calendar, and/or day planner. A calendar is good for daily tasks and the journal can be used for notes regarding long range goals. Keep a copy of your goals near your computer and on your desktop. If you have a long list of things to do in one day you should decide which ones are more important, do them first and focus all your energy on them. Work your way down the list so that you don't get overwhelmed thinking about all you have to do. Don't plan to do so many things that you can't possibly get through them.
Set a daily schedule and keep it the same most days. This will keep you organized and you'll get more work done. Do your most difficult work during a time of day when you are at your best.
Make sure you have a room set for your office. If you have kids, make sure they understand that when you're in there it is important that you work. If you have household chores to do, you might put them in your plan so that things don't pile up for you. When you have finished your work time as planned, stop working and enjoy your family and/or friends.
Last, but not least, take breaks. Even if it's only five minutes, get up and strectch, move around, have a cup of tea (green or black tea has antioxidants that help give you a lift). Don't forget your meals. Feed your mind so that it will be refreshed. If you need one, take a 15 minute power nap. You have to take care of your self because what is your Home Based Business if not you?
For a successful Home Based Business you must stay focused and have a lot of self discipline, but these tips will be very helpful in keeping you on the path you want to travel to your goals.
July 09, 2008By: admin Category: UncategorizedNo Comments →
Social Marketing and the Law of Sowing and Reaping...
This is one law more folks who enter the business of social marketing must focus on. Sometimes no's are so hard on the soul, but what I've found when they understand the law of sowing and reaping it puts the fun back into business.
Yes social marketing is fun if your on the right team who has fun doing it. I personally can't imagine marketing the old fashion way (belly to belly) but I love social marketing online. Here's the deal though you still must remember the basic principles because they apply to both online and offline social marketing.
A message from... Cindy McAsey-Marketing Strategies Coach
In the world of Social Media, there is no exact right way to get started social marketing. The strategies will probably have lots of variables such as:
1. Overall Goals - Are you looking to increase SEO, brand recognition, targeted traffic, conversions, etc.?
2. Finding Followers - Where can you go online to find the majority of your targeted demographic?
3. Available Manpower - Are you a one man (or woman) show? Or do you have people you can outsource to? Maybe you work for a company who has staff on hand to assist?
In a perfect world, you would clone yourself since you know exactly what you would like to happen within your social media campaign. However, we are far from a perfect world, so in reality, we are limited by time and resources.Depending on your resources, you may need to determine which methods to focus on first then build into your overall marketing plan.
Seek out Targeted Networks
You are ultimately after targeted traffic. There is no point in joining networks that have no interest in your niche or business. This traffic will more than likely never convert into a lead or even a sale. In other words you will be wasting your time.
You will need to research various sites such as Twitter, Facebook, LinkedIn, Myspace, etc. to determine which site(s) have the audience more suited for your business or service. Choosing targeted networks to be a part of will increase your relevancy and provide you with a funnel of highly targeted traffic interested in what you have to offer.
Guest Blogging
Is one way to get started in the social media world, it might not be a bad idea to approach more established social media sites in regards to guest blogging for them. Guest blogging is basically offering to write a blog post that gets posted on their site. In return you usually get to post a small plug or snippet about you or your site at the end of the blog post. If you look closely at my blogs I have a few guest bloggers.
Guest blogging accomplishes a few things.
It establishes credibility for yourself on a large scale/established site
You get a nice link back to your site.
Social Bookmarking
Utilizing the various social bookmarking sites such as Digg, StumbleUpon, Reddit, delicious and Newsvine; you can not only create backlinks, but create a buzz about your site if you have linkworthy content. If your submission is linkworthy, chances it may be picked up by other bloggers and drive even more traffic to your site. Unfortunately, most social bookmarking traffic is not the highest converting depending on your approach, angle, and product or service offered.
Create & Execute a Plan
While there are certainly more available options than what I listed above, it is up to you to decide what methods are best suited for your business or service. After looking over potential social media options, I suggest creating a plan or map of potential sites and audiences to target.
Review your plan once it is completed and revise it if necessary. Be sure to eliminate any site(s) that do not suit your targeted audience. This will allow you to focus more effort towards sites containing people with interests related to your product or service which will increase the chance of a lead.
With your plan in place, it is time to execute it. Do your best to monitor traffic using Google Analytics or Veretracking. If you see a particular social media site driving more targeted traffic to your site, look at increasing your activity on this social media site while scaling back on social media sites not performing as well.
These basic social media marketing strategies should give you a great foundation to build your social media campaign on. Remember to track your progress and focus on targeting networks relevant to your niche, removing or reducing efforts on lower performing social media sites.
Automated Tools Social Networking: Tweetdeck New Application Video
A message from... Cindy McAsey-Marketing Strategies Coach
Twitter Marketing Strategies: Tweetdeck Application Video
Surely by now you realize twitter is one of my favorite social networks. If you use the right tools it's one of the fastest ways to connect with folks in your target market (niche). One of the twitters applications (free) I have found very valueable is Tweetdeck. It's an adobe air product, downloads to any computer, connects & organizes your twitter information so you can effectivly market.
Here is a quick demonstration of the newest tweetdeck upgrade.
Social Marketing Strategies: What does the auto-Direct Message say about you?
A message from... Cindy McAsey-Marketing Strategies Coach
This morning while I was reading an article about Twitter flat lining, (slow growth) over the last month something dawned on me... It could be way too many twitters have decided to automate their system too much, making it not near as effective.
I'll admit I used the auto DM feature for a couple of months and it was handy to know every person following you was getting a taste of my tweets. In fact many times folks would respond back to me so I would check their profile & start relationship bulding, it worked great for awhile. Like most other automated tools it had run it course for me anyway and I've now quit using anything automated connected with twitter.
Actually I feel most folks start using the auto DM feature to save time. I wanted to give new followers benefit sfor following me (free tools) and attempt to connect on a more personal level with out it looking like an obvious DM.
Here is the auto DM I ran on my twitter account for a few months...
"Hi, Here r couple of free tools I use; twhirl.org & tweetlater.com, saves time. Send me a DM & I'll check your profile."
I've gotta say this message did the trick "until" many twitterers caught on the the auto DM feature and many others started auto DM's. The sad part of the whole auto DM mess is many didn't understand how to attract new followers into building a personal relationship, by giving value first.
As an example here are some of the auto DM's I received...
Thanks for the following! Want to know more about the real estate market? http://yukurl.. Get 25,000 Followers Quick! - http://yukurl... Please join me. I'd like to recruit you as a spymaster to my spy ring - http://yukurl... Thanks for following. Looking forward to your tweets. Please let us know what you think of our product http://yukurl Take the effort out of weight loss...
In the twitter community auto DM's are getting annoying especially if your account is growing at a fast pace. When you reach this point it's time to stop and focus on REAL relationship building.
Another automated twitter tool I enjoyed for awhile is auto following back those who followed me. This was becoming more of a hassle going in and un-following the folks who didn't take the time to add their profile picture or the obvious spammers who were following in hopes that my system had an auto-follow back. Today I go in and follow only the new followers who qualify.
My qualification rules for a follow in twitter.
Have a profile picture
Not look like an obvious spammer
If I was just starting out on twitter, I would probably use some of the many automated tools to get my system up and having enough followers to respond to my tweets. There comes a time on twitter that you just need to buckle down and build relationships with the twitter network you have. I think that magic number is different for everyone depending on your marketing strategy for twitter.
Twitter considers the threshold 2000 following/followers ratio to let you keep or freeze your account. You will need to keep your following/ follower ratio even going through the "2000" number. When I look at a new followers profile I also look at how many times they have updated their account. If they haven't had many updates but have a huge following/followers ratio I know they are automating their account to build it fast. Then I look tweets they've done if they are actually communicating and not just promoting (spaming) then I follow them back.
Cindy McAsey
888.272.6701
Barefoot in the Garden
KEYWORDS: Social Marketing Strategies, Twitter, Cindy McAsey
Lead Generation Secret Discovered on American Idol
A message from... Cindy McAsey-Marketing Strategies Coach
Last night as I was watching American Idol it dawned on me how big businesses piggy back off of each other. Either through sponsorships or joint ventures. For Cocoa-Cola they got lots of exposure during the semi-finals of one of the top watched shows "American Idol."
Now look at Best Buy they set up a partnership (joint venture) with the Geek Squad to offer service for the products they sell. As I look over my (Cindy McAsey) partnership with VereConference it's very much the same they offer the service and I offer the support and training. I can't express how that has broadened my network of folks to communicate with.
In today's internet world with social networking ever so popular, partnerships (joint ventures) possibilities are a dime a dozen. You should consider JV's the New model of lead generation for MLMers.
Here's something to think about...With traditional old school MLM your are leveraging off the work of others "if" they perform. Statistically over 90% don't produce results.
Joint ventures are simply another form of lead generation allowing you to piggy back off an existing lead flow/customer base. A well thought out joint venture leverages off the work somebody else has already done. With JV you decide how you want to work your new found network. I'll cover how to work with networks in another article. One hint... Don't go in and say I want to contact your people and sell them my stuff OK?
I encourage you to open up your mind to this new way of thinking so you don't get lost in the dust. To broaden your thinking think about where people are congregating and lots of activity going on. There are so many great (what I call) fishing holes online you just need to find one and start networking. Then Get on people's lists. Buy their products to get a better understanding of what they offer. Always look for gaps. Potential areas for you to fill a need.
Best part of this "New" way of thinking is YOU determine what you would look for in a partner. Lead with service when approaching a potential JV partner. Build a personal relationahip first. Don't lead with a sales pitch. Trust and Transparency are key. Start with small JV's and work your way up. Be willing to move on when necessary. Be sure to look for products and/ services that compliment your product or service.
Joint Ventures are the future of MLM. You must decide if you will be part of it.
A message from... Cindy McAsey- Marketing Strategies Coach
When I visit with folks who have always worked for a pay check they generally have lots of aprehensions about starting their own business. For them the "JOB" gives them a sense of security. In fact the corporate banking and government cater to a false sense of "security" of a job rather than a business. Think about the questions your are asked when applying for a loan or how the government statistically ranks your income as a small business owner. (profits vs gross... a good thing)
Unless you have had your head in the sand the last year you are probably starting to realize a "JOB" has no security. I've seen people put their heart and soul into a "JOB" and get layed off or loose their job when the company goes out of business. In a "JOB" you really have no control your lively hood is at the mercy of someone else.
Here's some answer's to a few questions that may be swiming around in your head about starting a business.
How do you know when it is time to quit your day job?
There is no perfect formula to ensure that you are 100% ready to quit your job and start a business—if I could figure it out, I probably wouldn't be writing this. There are a few things you need to think about in making a decision though.
1. You have to have a really clear, realistic picture of your financial life and understand the risks you are willing to take. For some people, this is money investment, for others it is a period of time you set aside for your business to work.
2. You will feel much better about your decision if you have been working on your business on the side of your day job, selling your product or service to real people with real money in the real world. This experience will replace all the paper documentation you would use in detailed business plans and will be the best indicator of readiness to leave your life as an employee.
Isn’t it crazy to start a business in this economy?
With corporations in crisis, job stability a thing of the past, social media ablaze and free and cheap tools available to everyone, this is a great time to start a business. Depending on your financial situation and how far along you are with your business idea, if you find a need in the market that you can serve well, this is an excellent time to run ahead of the pack.
So many people are sitting back in fear and afraid to move.. this gives you the unfair advantage step into new markets. Let me phrase it another way. In the unfortunate case that you get laid off, do you think you would be more happy having started a business on the side or having spent your energy desperately clinging to your job?
How do you decide which business to start?
Business ideas are a dime a dozen. From my perspective, which is firmly rooted in the idea that the purpose of a business is to allow you to live the kind of life that makes you happy, healthy, wise, and wealthy—or at least well-fed, a good business idea has four components.
1. It is rooted in something you are passionate about and which energizes you. Entrepreneurship is too darn hard to manufacture enthusiasm.
2. You have the skill and competence to make it happen—or at least a really great contact list of smart and enthusiastic friends to help you figure it out.
3. You need to do enough business planning to know whom you are trying to serve, and how you are going to make money. Ask your self who is your target market, and how am I going to profit from marketing to them?
4. You want a business model that you have the resources to support and that delivers the life you want to live.
What is the very first step that I should take?
If you are in the very early stages of thinking about a business, spend your time getting to know yourself. One of the best things I discovered is to study yourself as if you were a scientist observing a bug. Pay very close attention to the things that either make you feel great or feel rally bad. Note the kind of environment, work, people, topics, industries, schedule, and activities that make you thrive. When you start your business with this awareness, you will feel natural energy and clarity which will make all the next steps of the process like choosing a business idea, figuring out the money, planning your business, identifying your customers, and creating a marketing process a lot easier.
Should you get started in business and then quit your day job or quit and then get started?
Knowing that your livelihood is at stake, I feel much more comfortable when people get started and then quit rather than quit and then get started. The process of creating your first product or service and getting paying customers is often much different than you imagine and can require more time, resources, and support than anticipated in your planning stage. I have had clients who were in such time-sucking and stressful jobs that they decided to save up a lot of money and then quit so that they could have the time and energy to devote full-time to the business. Also, there is nothing more motivating for getting new business than an impending mortgage payment. Whichever path you choose, make sure you know how much time or money you have to burn and have a few options open for generating income if your business takes longer to get off the ground than anticipated.
If you have limited financial resources, what is the best way to start a business?
Start by testing very small parts of your business. You don’t have to set up a huge infrastructure or print shiny brochures or to buy new equipment. Be ruthless about getting as much information and coaching as you can for free. People are very generous with good content, and you can learn tons by reading smart blogs and attending free teleclasses or seminars. With limited resources, you may want to stay away from businesses that have high operating costs and stick with a web-based model that you can get started for very little investment.
Do you have to have a PowerPoint pitch?
If you have five hours a week to work on your business outside of your day job, save your PowerPoint skills for the office. Some aspiring entrepreneurs will go after venture funding and need to prepare a formal presentation. The more you get in front of real customers and tell a compelling story in few words about how you can solve their problems, the less you will need PowerPoint as a crutch. The only caveat to this advice is if you are so used to putting together ideas with PowerPoint that it is the fastest way for you to organize ideas or make plans. Whatever you do, don’t bombard poor, innocent people in the real world with corporate jargon. You just may find your paradigm is shifted right out the door.
Do you have to have a business plan?
You don’t have to have a complex business plan with 20 attachments and spreadsheets, but you do need to engage in business planning. Know the kinds of problems you are trying to solve, and what value solving them would bring to your customers. Get clear on resources needed to bring your business to life. Start by guessing how many widgets you plan to sell, so at least you have a good laugh the next month when you look at actual sales. But as one of my mentors told me once about projections, they are only guesses for a month. After that, you have real data to compare. So move quickly, test often, fail fast, and discuss and document your assumptions. If you keep everything in your head, you will limit your creativity, and in the long run limit your growth.
What is the fastest way to build buzz about a company?
After few years sitting on the sidelines, I jumped into social media focusing on Twitter. And I am now convinced it is the absolute quickest way to get to know your customers, build relationships with partners and mentors, and get the word out about what you are doing. Of course it cannot be your only marketing strategy, since people hunger for more than 140 character bites of you, but if you aren’t on Twitter, you are missing great opportunities, plain and simple.
What if your spouse doesn’t support your entrepreneurial dreams?
Often spouses don’t support their partner’s dreams because they haven’t gotten an explanation that makes sense to them. You may spend all your time thinking about your business, evaluating the market, and developing your products or services, but your spouse doesn’t see inside your head and understand the reasoning behind your decisions. They also may have serious doubts about your ability to get a business off the ground if it has been five years since you started to re-paint the bathroom and you still haven’t finished. So demonstrate in big and small ways that you can follow through with plans, listen with openness and without judgment to concerns raised, and make a plan that feels like a reasonable amount of risk to both of you. When you go into business, your whole family goes in with you. So be sensitive to concerns.
How do you find the time to work on a side business with a mortgage to pay and a family that needs attention?
With limited time, you have to get crystal clear on priorities inside and outside of work. Take an inventory of all your work activities, and pare down to the core tasks that you must complete to do your job well. Evaluate how you spend your time outside of work. Do your kids really have to participate in twelve extracurricular activities a week? When I was a kid, I spent hours playing dress the kittens with our farm cats or skipping rocks down at the creek. I had a great childhood and have done just fine as an adult. When you are running on a very lean and efficient schedule and have a manageable list of weekly tasks for your business, you will make progress. It is better to take small steps every day—like writing one paragraph of your book or crafting a handful of code—rather than waiting for a huge block of time to open up because this will never happen.
What is the most common mistake the “escapees” make?
The most common mistake is thinking that they have to get all their plans absolutely perfect before launching. I have listened to people explain why they spent two months crafting an introductory email to a potential client. Perfectionism will cripple your business and thwart your plans faster than anything. Get used to pushing things out that feel not quite ready and then be completely responsive to fix them as you go. There will never be a perfect product, service, market or economy, so the most passionate, enthusiastic and responsive entrepreneur will win.
The Big Daddy of Social Marketing for Networkers and Automated Lead Generation
A message from... Cindy McAsey-Marketing Strategies Coach
Increase Your Profit and Effectiveness With the Most Powerful Suite of Social Marketing and Automated Lead Generation Tools Ever Created On The Internet!
Veretekk's Marketing Control Center is a fully integrated suite of cutting edge, state of the art, marketing tools for insuring your online success. This is top of the line marketing automation that is easy to use, easy to afford, and easy to implement. Veretekk also provides live support and training experts 5 - 10 times per week so you are not left alone! Veretekk leads the industry in marketing automation and has been providing instant productivity and control for thousands of savvy marketers since 1998.
Veretekk is the only company that builds all of this technology on it's own, debt free, million $$$ server farm.
What does that mean for you? Reliability for starters! Speed and dependability! Since 1997, Veretekk servers have delivered 99.99% of the time. Downtime doesn't happen with Veretekk, so it won't happen to your system. We implement routers, storage facilities, file servers, web servers, ffafarm servers, database servers, firewalls, mail servers, etc. What exactly does all that techno babble mean to you? That you are in good hands with Veretekk. People that care and are there when you need us. We have invested in the infrastructure so the technology that we have built for you is effective and reliable. That is what all that stuff means!
Try Veretekk absolutely free! See it in action first, then decide if you want to upgrade. The only true risk free offer. GUARANTEED!
Earn more profits with unlimited autoresponders - ad trackers - real time site stats (Not some funky page counter either!)- lead generation websites (Traffic Portals "see below") - Massive ad Submission Hammer (2 billion ads) - PLUS a Contact Manager that stores and manages any size database. And a whole lot more too! Read On!!!
Veretekk's multi source "sequential driven" autoresponder systems!
If you want to increase sales, studies prove it takes up to seven or more exposures before potential customers make a purchase. With Veretekk's Sequential Driven Autoresponders, your prospects will automatically receive your marketing message.
There are dozens of autoresponder systems on the Internet... but none that are triggered by the actions that your prospects take. Because your prospects (through our innovative verification system) are also engaged in the Veretekk system... your marketing message not only get's guaranteed delivery, your email is tracked and you know if and when they open it through your own proprietary Veretracking system. All mail is guaranteed spam free and Veretekk proves it every step of the way! This is unique to Veretekk.
Veretekk's unique follow-up system will save you time, increase your conversion rates, keep you well organized, and increase your profits...guaranteed!
Create as many follow-up letters as you want.
Set the time and date you want each follow-up sent.
Automate delivery based on your prospects verification.
Send HTML or plain text messages.
Fast and verifiable delivery.
Professional Web Tracking analysis with Veretracking:
Veretracking is not a click counter. Click counters are toys compared to the professional analysis you get with Veretekk. All of your Veretekk web sites have this feature. All of your default autoresponders have this feature. Veretracking tells you where the visitor came from, what their IP address is, what browser they are using, how long they visited and shows this data in real time as well as in easy to read bar graphs. But Veretracking also makes code for you to use in any HTML email you send or web page you build anywhere on the Internet. This feature alone sells for $50 - $100 per month elsewhere.
Lead Development and Management:
Premium Leads
The "creme de le creme" of the Veretekk system. Much like a sophisticated dating site, you will discover that this level of lead acquisition from Veretekk delivers like minded, exclusive, entrepreneurial individuals eager to do business with you! Your Premium Leads Control panel handles all the details. With complete database management ability, contact memos, sequential mailers, reminders, lead transfer to other Veretekk members in your downline, push technology, VOIP rooms and much, much more. Easy push button controls!
Bully Pulpit
Does all your mailings to your entire leads database through our Veremail servers. Choose groups or the entire database. Send HTML, text or sequential sets of letters from our exclusive selection or build your own with your own Sequential Letters Control Panel. Build a newsletter and publish it to your entire database. Veretekk's Veremail assures that you will never suffer from illicit spam complaints.
Bulk eMail
Build huge verified email databases and drive the traffic to your Traffic Portals to increase the rate of Premium leads. Upload up to 10,000 email addresses from your own database and reverify your list into your Bully Pulpit's verified email database for future mailings. Transfer other verified email databases into your system from our exclusive list of strategic lead partners.
The Hammer
Create unlimited ads and store them for future submissions. The Hammer submits 2 billion ads with the simple selection of your ad and the push of a button.
Live VOIP Conferencing
Join our advanced training and learn all the tricks using your Traffic Portals to pour hundreds of Premium Leads into your system.
Lead Generation Websites:
Known as Traffic Portals, Veretekk invented this concept in 1996. Since then the rest of the industry still tries to copy us, but fails miserably! Traffic Portals attract entrepreneurial minded professionals who want to do business with you. You will never experience rejection with these leads. Veretekk hosts all your Traffic Portals and each Traffic Portal is on it's own unique domain address (Makes it real easy to get them in the search engines.).
Web Catch
The first of our new generation of Traffic Portals! WebCatch is deployed throughout the Internet by leveraging the promotional power of literally thousands of individuals who have each signed up to receive and promote their very own web directory. Each subscriber enthusiastically promotes their own WebCatch directory through a multitude of marketing methods so that ultimately, WebCatch directories have become visible throughout a myriad of advertisements, free links sites, bulletin boards, ezines, classified ad sites, etc. Each time a new web site submission is made to any of these individual WebCatch directories, the central database expands to include the new submission. Thus, through highly advanced viral marketing techniques, WebCatch is always expanding... Check it out!
Blastomatic
Give away the original "12 million ads, Blast-O-Matic". It is the most powerful AD submission system in the world - and best of all, you get to give it away for FREE! No other AD submission service can compare to the "high-tech" service your prospects will receive from Blast-O-Matic. Most companies charge a fee and provide an inferior service! You get to provide top notch service with a great product for FREE!!! Your ads can claim "We dare you to take the challenge of finding a better deal than Blastomatic".
Check it out!
FREEFFAs
Give away..."Free Leads For Life!" This site is as valuable and has better quality leads than other FFA lead systems like FFAnet, Links2u and others that sell for as much as $50 per month, but you give this away for free. Talk about a Traffic Portal, what POWER! And the Flash for this one will blow you right out of your chair, but then all of Veretekk does that!
Free Mart
Free software... Free ebooks... Free newsletter... Free live seminars...! A class act site ready for promoting the heart of what entreprenuerial webmasters and aspiring webmasters are looking for. Put this lead magnet into a search engine and watch the mega traffic!
Money Machine
Survey entrance to your Market Center! The Money Machine is a stunning Flash presentation and survey, that takes the visitor to your Market Center. This site promotes access into your center and also promotes your free and pay services.
Market Center
Vanity entrance to your Market Center! The address matches your vanity email. Your vanity site is a compelling entrance into the power and source of your Market Center. This site promotes access into your center and also promotes your free and pay services. This is the center attraction of your system!
eTRACKING
Give away the" world's first self-replicating" search engine! This is an extremely viral tool that allows you to generate massive leads directly, as well as indirectly, by giving away additional eTracking search engines.
Check it out!
FFA Farm
You get your own FFA system. The FFAfarm is the oldest FFA system on the Internet. You can promote this, but it already brings in a huge number of leads. Besides, FFAs are not what Veretekk is all about, but, we keep it around anyway. FFA linking may be a thing of the past, but.....The FFAFarm is a permanent LINK exchange now, and ONE POST EQUALS MILLIONS OF LINKS with VERIFICATION
MORE TO COME.....
Veretekk is a process, a journey. Many more Traffic Portals are included with your system and more are being added on an ongoing basis! The Internet is in a constant state of flux. Change drives the engine of Veretekk. You will see that Veretekk delivers to the situations as the Internet changes. The core mission of Veretekk never changes though. That being, "Building your sphere of influence!".
Not just a limited free trial either!. We offer you more value than any other marketing system, PERIOD! I know you hear this everywhere else, just part of the game in this world! Like they say, no one is guilty on death row! Right! Well, does anyone else offer this collection of tools and marketing systems for FREE for LIFE, totally risk free? NO THEY DON'T! In fact, nowhere else does anyone have anything even remotely like it. There really isn't anything that I can say that will explain the elegance and effectiveness of Veretekk to you. You have to experience it yourself! Simply fill out the application. It is absolutely free. No obligations whatsoever!.
Bottom Line Veretekk is the bomb when it comes to Automated Lead Generation & Social Network Marketing. When you have tried the rest and still come up empty it's time to try the best free system available on Google today.
Cindy Barefoot in the Garden
888.272.6701 Learn More
Franchise Business - How to know when it's the Right Company and Right Team
Goin Green - Ridin the Wave of Company Support
As Shaklee Distributors we have so much support from the company behind us. As a way to help organize all of these support websites now their is one simple URL in the member center that links to all of these support sites.http://www.shaklee.net/members/articles/corporate/site_guide This handy guide contains both the URL, Site Description, and also explains who should use this site.
As a new Shaklee Distributor not only do you have the support and materials of a 50 + year old company, but as a member of our team you have the ability to take that content put it in your own words and post it on this team channel. Last time I checked the ranking of this channel it was right up towards the top of google for the term "Shaklee Distributor."
Many customers, members and people looking for a good stable marketing team search in google everyday looking for the best company and team to partner with. As part of our team you have many positive factors on your side when starting a new business.
I've written an excellent article called "I'm mailing Naked" about all the FREEE press our company is getting from 3rd party validators. You might be thinking so why is this important and what does that have to do with mailing naked. I tell it all in this article. Unfortunatly because of the content in this article I'm not able to post it online but I can give you access to it. If you send a blank email too: barefoot@1-family.com thanks to the power of technology and Veretekk you will get the popular "I'm mailing NAKED" article along with an explaination of why I titled it the way I did.
Just in case you missed it... it's one of thos keeper articles just send a blank email to: barefoot@1-family.com and you will automatically get it. Don't worry you won't be flooded with email just once in a while get really good content on marketing strategies from me!
Barefoot Secrets Learned from the Masters in the MLM Industry
Barefoot Secrets Learned from the Masters in the MLM Industry
Over the past week I've had many eye opening insights come to me from top leadsrs in the MLM industry. It's almost like a missing piece of the puzzle has been solved. Now these aren't people who just say they are the grurus in the industry these are people that have been in the business a long time and with the same company a long long time.
The first person I'm going to talk about is our neighbor Vince Berland. Mr. Berland has been in Amway for about 30 years... (so the neighbors say) Where I live in KS is very rural and everybody knows what everyone else does. All I have to do is ask questions when the local neighbor comes to visit. Mr. Berland calls his Amway group "Flying Eagles" and came to Abilene when he decided to invest in the Greyhound industry. According to our neighbor who has coffee with him on a regular basis he pulls in about $30,000 a month from his Amway Business.
Mr. Berland is like most business people he doesn't have all of his income coming from one source. He also doesn't do all of this on his own. He delegates out to the experts. Most people when first getting started in MLM try to do all the work themselves and end up burining out. I'm so thankful for the internet and technology we have today, because I know it doesn't have to be that way. Our Barefoot Marketing System teaches delegation and gives the cash flow to enable the beginner in MLM start out delegating and not do all the work themselves.
Now Mr. Berland has decided to sell his mansion on the hill and build a normal size house down the road. Both of these houses are just a little over a mile away from us. The new place is going to have excotic horses. (according to the neighbor) The reason I mention this is.. Berland's have a couple of large greyhound farms already in the area. That plate is up and spinning, he has grown a very large Amway MLM organization that plate is spinning, and now he is starting the excotic horse business (another plate). Doesn't in make sense to learn from this?
The next person I want to mention is Al Hegerman. He has been a Shaklee Distributor for 40+ years. He started his business with an investment of a $2.00 bottle of all purpose H cleaner. Yesterday I received his newsletter, he made some very good points that really stuck. Mr. Hegerman's income according to our company presentations is over $3000 per day. Yes you saw that right... His monthly checks are over $100,000 per month.
Mr. Hegerman talks about a cruise he took recently. He said the all of the people with the exception of him were highly educated people doctors and lawyers etc. Mr. Hergerman has a high school education and before joining as a Shaklee distributor was a police officer. Think about it... Mr. Hegerman got his education from the school of hard knocks. He was educated very well but just in a different way. When Mr. Hegerman was asked recently how he did it. This is what he said, "All anyone has to do to achieve success in Shakle* is learn a 30 minute pitch and keep throwing mud against the wall."
The last person I want to mention is Jim Burke. If you haven't heard any of Mr. Burke's presentations this explaination might be a little hard to grasp. What Mr. Burke did is become a leader to his own organization quick. I've been in Shakle* over 11 years and didn't know who sponsored Jim Burke into the company till yesterday. Guess who it is... Al Hegerman. Yes we knew we were part of Jim Burke's organization but I didn't know Al Hegerman sponsored him. Mr. Burke has mastered very well what Mr. Hegerman taught him and is still doing it today. In fact last year Mr. Burke had the fastest growing organization in the whole company. Our group is part of the reason for his success.
Now think about this... Mr. Burke didn't go to Mr. Hegerman everytime he talked to someone about Shaklee and said you need to talk to Mr. Hegerman or listen to the call from Mr. Hegerman. Jim Burke learned real quick you must become a leader yourself for others to follow. Fact is people buy from people and they will drawn to you for the positive qualities they believe exsist within themselves. Mr. Burke learned his OWN 30 minute pitch and kept throwing mud against the wall.
There are no mistakes in life only lesson's. Do you feel you have had your share of lessons in life? Are you ready to step up to the plate and move your business forward with the correct path to follow? Learn more about me and why I do what I do visit: http://www.whoiscindymcasey.blogspot.com (private coaching available on a limited basis)
Do you see yourself as being more like Donald Trump, Warren Buffet or our neighbor Vince Berland? Check out the training over at www.barefootmarketingsystem.com that teaches delegation not duplication and gives the cash flow to make it possible for any start up business to work like a Fortune 500 company.
Franchise Business Online - The rarely told truth about network marketing
A message from... Cindy McAsey-Marketing Strategies Coach
In the next 2 minutes you will discover something that seems to be one of those "business models" people either love or hate. What I am talking about is network marketing, also called mlm, multi-level, and social marketing. In fact many distributors won't admit "their" company is one of "those" companies, gosh sometimes even the companies themselves are in denial. Right from the beginning I will say that there is no need to have extreme views about this, it is simply a business model you can use if you wish.
However, it is crucial that you understand HOW the business model of network marketing works.
I think there are basically two reasons that some people seem to be almost electrocuted, simply by hearing someone mention the word network marketing. Either they have tried it themselves, and because they didn't have a clue on how to do it they failed miserably. Or they belong to the group of people who can't get the idea that mlm = pyramid scheme out of their heads.
This second misconception is easy to debunk. Pyramid schemes are illegal almost everywhere, do you really think large multinational companies could operate year after year on an entirely illegal basis?
Secondly, this view on network marketing shows to me a person just doesn't understand. He or she hasn't done an ounce of homework on the various businesses that are available to each of us today, and they are ignorant of the industry itself.
This means they aren't serious. It means they "would like" to make more money, but have no intention of making it happen. They continually "look" for home businesses, which is enough to satisfy their minds that they "did everything they could", but everything they find out there is flawed and are "scams". They are looking to buy "hope", not a business.
There is a saying that goes something like this:"If you spend too much time proscastining about your next step, you will be standing on one leg for the rest of your life". Yes, there ARE scams out there, but mlm is not a dirty word and it is not a synonym for scam. Get over it!
Something to think about... Is Corporate America a Pyramid Scam?
As for the comparison to a pyramid in general - think of any company that comes to mind. The company will probably have a CEO, president, vice presidents, middle management, a sales force, and hourly employees.
It goes without saying that the guy at the top, the CEO, is going to make the most money, and the compensations continue to decrease down the ladder which starts at his cushy leather chair. The only way to get paid more and move up the ladder is to boot someone else out of their spot - and this is what people call okay and normal!
Not to mention the fact that the corporate slave masters seem to have no problem with working people to the limits...and then kicking them out the door before any of the benefits kick in. (As always there are some exceptions, of course). How is this any less pyramid than network marketing? All people in the company work hard, but ONLY those at the very top has "permission" to make a lot of money.
Now, in network marketing the basic idea is that it will be of great benefit to everyone involved to help people who are new reach the top. In fact the whole business idea hinges on this idea - the best way to become really successful in the long term is to help others. With the "right" company there is no mathematical limit to how large a network can become, add in todays global marketplace, the internet and Web 2.0 social networks and the skies the limit.
A network marketing company can diversify and find new markets, just like all companies have to.
But what about the miserable statistics of network marketing, the over 90% drop-out rate etc.?
This is mainly caused by the simple fact that not that many people know how to do network marketing correctly. Typically the new distributor is taught to make a "100 list" and once they run through that list they start buying leads. BIG MISTAKE!
This is a somewhat unique industry. Most people don't realize network marketing is a business of marketing and promotion pursued by people who have NO IDEA how to market and promote.
Read the above paragraph once more and let it sink in...
If you are going to be involved in network marketing you need to develop both the right mind set and acquire the right knowledge (no, they usually don't teach this in college).
You will discover when you do this business like our team does:
* You don't have to do "in home parties" selling your stuff.
* You don't have to "walk the mall" and strike up conversations with anyone who comes within 3' of you!
* You don't have to post "work at home" flyers!
* You don't have to "buy leads" or customers for that matter
* People will join with you because of who YOU are.
I'll admit not everyone is cut out for this industry. Not everyone has the power within them to develop the right mindset. Not everyone is willing to acquire the RIGHT knowledge. Yes we have the key that unlocks the network marketing success mystery. A 98% increase in my business last month proves to me there is no recession in this industry.
My question for you... Are you willing to do what it takes to unlock the door and work our plan? You might know by now I do my business strictly online. but that doesn't mean you have too. Yes it is a franchise in a sense.. but with a twist. Discover the Franchise Online Business System
Business Franchise Online: Rule #1 for Happiness and Contentment
A message from... Cindy McAsey-Marketing Strategies Coach
In recent weeks, a wave of fear and pessimism fueled by the world financial crisis has stolen the headlines, gripped the nation, and challenged our mindset. The greed that led the world economy into crisis should NOT defeat your commitment to your business franchise online.
Change doesn't wait on Washington. And it doesn't depend on Wall Street. Change comes from within. Our company has been demonstrating that fact for more than 52 years. This video will help you understand my philosophy and the deep roots with the company our team has partnered with.
You must plan for happiness as much as much as you plan for the welfare of your business franchise online. Happiness is a state of mind... it depends entirely upon the thoughts you produce. You wouldn't know whether you were happy or not, if you didn't think about it. So make sure you can think about the happiness you know CAN be yours.
Success is not money ~ although it may include it. Success is not business activity ~ although it may encompass it. Just like a straight line is the shortest distance between two points ~ your thoughts are the direct path to success.
Business Franchise: What does a SMART Small Business Entrepreneur Do in a Recession?
A message from... Cindy McAsey-Marketing Strategies Coach
Franchise Business: What does a SMART Small Business Entrepreneur Do in a Recession?
You know I LOVE twitter, but over the last week I have seen a sense of panic, mostly because I have been focusing on a target market that isn't currently a small business owner. There is so much education to be done for some of these poor souls or at least they think they are poor because the media tells them how bad it is.
I've got "NEWS" for you just because the media paints a doom and gloom picture it doesn't have to be like that. Let's face it. Doom and gloom sells. Look at 911 how many people (including me) were glued to the TV watching and listening. Remember the year 2000 scare when all electronic data was going to be wiped out? Did it happen? NO... Did some people take advantage of it a make a boat load? YES
It amazes me these predictors are not held accountable for their stupidity when the bad things DON’T come to pass. Sadly, I’ve found that some of the greatest tragedies I’ve seen in my life, like 9/11, Huricane Katrina, and earth quakes, tsunamis, and other disasters were not predicted or prevented in any real way at all.
Any thinking person understands depressions, natural disasters, war, and more... does happen and that is unfortunately a part of life as we know it. But the media doesn’t want you to ‘think’… they want you to be afraid and dependant and turn to them for ‘comfort’ day in and day out (bad, bad idea… they never report ‘good news’). To my knowledge, worrying about such events has not prevented any of them!
Action and imagination solve problems a whole lot better than ‘worrying’.
After all…
Napoleon Hill didn’t write, ‘Worry and Grow Rich’, did he?
However, the doomsayers predict doom almost every day it and the media seems eerily cheerful in reporting on anything negative that happens around the world in real time, 24 hours a day year round. What is missing is perspective.
Miracles, recovery, healing, new discoveries, massive profits, enlightenment, giving, growth, birth, beauty and joy are ALSO happening every day around the world.
But you’d never know about it if you rely on the NEWS media for your view of reality.
If you want to profit from these times, let McCain, Obama, the stock market, real estate woes and the nattering ninnies in Congress shuffle papers around to their hearts content. And ignore them. If you have real estate problems or stock troubles, educate yourself on how to best deal with those issues. Tell yourself over and over.. "If it is to be it's up to me" Don't rely on anyone to bail you out!
Don’t envy or resent the ‘rich’, join them! The Money is still right under our noses. In fact this "recession" will produce more billionaires than ever before. (Some people are THRILLED to see it coming) Stocks and Real Estate will be bought at rock bottom prices. (Only to be sold for massive profits in a few short years) Advertising for your business will be much cheaper, because there won't be the competition from the nervous nellies.
SMART Small Business Entrepreneurs are...
Proactive. We see something coming and we do something about it. We take the bull by the horns.
Focus on Sales. Bottomline we are in sales may as well admit it. We focus on Sales, not the "news"
Focus on Value. We market and sell products that add good value. Something that is consumable that consumers need and want.
Focus on Abundance. Think in terms of abundance we understand there is plenty of money out there and we can make as much as we want.
Ready to take Action. We think outside the box and are ready to take advantage of opportunity when it comes our way.
Focus on Marketing. We constantly invest (time and money) in marketing we know our business must be preforming marketing that works, we test it, we track it, we know what's working.
Did I describe who you are or want to be? Your best option to increase your income is to growing a profitable small business of your own.
Seek out those who ARE successful and discover what they are doing. Stay current on what is working in your industry… and in marketing.
Choose carefully… Every day I read, listen to mp3’s, and watch videos on all kinds of subjects about what IS working. I recommend you do the same.
A message from... Cindy McAsey-Marketing Strategies Coach
How Veretekk is works to build your business with Social Networking
Last night in our weekly web conference I had someone ask me have you ever brought someone into the business through social networking? With out having Veretekk as a tool it would be next to impossible to build the relationships I've built in Social Networking.
This morning as I was doing my usual social networking follow up, I glanced at the string of messages a new facebook contact and I have had this week and thought, this is it!
This is the perfect lesson to show you exactly how social networking using Veretekk works! Again my hats off to Tom Prendergast and Mike Darling for putting together an awesome neutral system we can use to build online social relationships with.
Apparently Peggy found my profile on facebook and requested to be my friend, I replied with a short note saying "Thank you for the add" .. here was her reply...
Peggy
September 15 at 3:09pm
Appreciate that.
What line of work are you in? What does your husband do? Do you have any children?
I look forward to hearing back from you soon
Until next time
Peggy (& Ted)
Cindy
September 15 at 3:21pm
HI Peggy,
I'm a marketing strategies coach. Learn more about me and why I do what I do at www.cindymcasey.com
Yea, I've got pictures of my kids on my face book profile and on my website.
Cindy McAsey
Barefoot in the Garden
Who is Cindy McAsey
Source: www.cindymcasey.com
Learn how I can help you be successful on the internet too.
Peggy
September 15 at 3:55pm
Lovely photos! You must be so proud. How old are they?
I checked your website out - you are a very talented girl! What line of work is your husband in?
Talk about a 'small world'. A friend of mine here (part of the City of Timmins, NE Ontario - 8 hours NORTH of Toronto,Ontario) is from Abilene, KS. Her maiden name is Engle. Right now her Dad is visiting with her.
How long have you been with the company you represent now? How old is the company?
Until next time
Peggy (& Ted)
Cindy
September 17 at 6:20am
Hi Peggy,
Wow that is a "small" world, I know several "Engle's" Tell em HI from Abilene next time you see em.
I been in my own business 12 years. My primary business has been going strong for 52 years.
How bout you?
Cindy McAsey
Barefoot in the Garden
Peggy
September 17 at 7:15am
52 years? That's almost forever isn't it?! How old is AmWay I wonder?
Info about me, what I do and why please check out:
http://www.****.com
What Engle's do you know?
Until next time
Peggy (& Ted)
Cindy
September 18 at 6:56am
Hi Peggy,
I think Amway is going on 50 years too. Our neighbor is one of the top dogs in Amway, he has built a "retirement" house 2 miles from his "mansion" all within a mile from us.. the "mansion" that includes a conference center is up for sale to the tune of 2.5 million.. so the neighbors say! Everyone wonders who they will get in our little rural community to purchase! I'm thinking possible a business of some kind. It was built on a golf course and is beautiful.
Engles? There are many in our community. Mike Engle I remember from High School. Amber Engle who used to be Amber Rock... I could go on and on..
I see your in network marketing too... One of the tools I use that has skyrocketed my business is Veretekkhttp://barefoot.veretekk.com
It's done so much for my business I can't explain in a short message. I do have a testimonial at: http://quikonnex.com/channel/item/31948
I also have an information page that will give you more of the features at: http://cindy.veretekk.com/platinumcontrol.htm
The nice thing about Veretekk they offer a free version of all their tools and sites.
Take a look if you get a chance,
Cindy McAsey
Peggy
September 18 at 3:08pm
Okay, Veretekk. How different is it from Cutting Edge Media and other leads generation systems? How much does it cost per month, etc.
Thank you for introducing it to me - I look forward to hearing/learning more about it.
Yes I am also in NWM or MLM or whatever the latest word for it is! lol I gather you still market ****** as well as doing your internet business?
Take care
Until next time
Peggy (& Ted)
Cindy
Today at 6:21am
Hi Peggy,
Veretekk is very different from Cutting Edge Media... In Veretekk you are taught how to generate your own leads. NOT purchase leads. BIG DIFFERENCE.
In Veretekk you can sign up for free and take a test drive see how the system works... it's not just a limited trial either. You can continue a silver freee membership forever if you want too.
Yes they do have 2 other levels of membership. The gold membership is 41.95 per month and coming soon is the Platinum.
When I first looked at Veretekk I saw the power of having your own lead capture pages offering stuff for freee and a I also saw the affiliate program and soon learned I could have a cost free marketing system.
Personally Veretekk brings in nice checks every month paying for my marketing costs. It can do the same for you too if you want it too.
Peggy in my business everything I do online leads back into *****. Yes I have multiple streams of income coming into my business, but it's the primary business income that will be passed down to my kids and future generations.
It's the ****** income that comes in month after month from customers purchasing the products from my website wether I'm working or not.
Take Care,
Cindy McAsey
Barefoot in the Garden
THAT'S how it done! Social Networking is all about building relationships and communication. Sometimes it's in the form of text messages.. such is the case in Twitter. or.. sometimes it's in the form of private email messages like this example... and sometimes it leads to a phone conversation, but not always.
Others are mirrors of your own self-image. You will be drawn to others for the positive qualities you believe exist within you. In a similar way you will tend to hate others who reflect back to you those qualities you fear most in yourself. You already have th answers to life's questions. All you need to do is look, listen within, and trust your intuitive powers.
To your Success,
Cindy Barefoot in the Garden McAsey Enterprises www.cindymcasey.com My Life's Purpose is Others' Success
May Good Fortune Be With You. May Your Guiding Light Be Strong.
P.S. Have you been introduced to twitter yet? It's freee, builds relationships, and if used right it's great for online marketing! Learn more and follow what I do through twitter. http://twitter.com/cindymcasey
A message from... Cindy McAsey-Marketing Strategies Coach
Franchise Business: 80/20 Rule fits Franchises too
The 80/20 Rule is one of the most helpful of all concepts of time and life management. It
is also called the Pareto Principle after its founder, the Italian economist Vilfredo Pareto,
who first wrote about it in 1895. Pareto noticed that people in his society seemed to
divide naturally into what he called the "vital few," the top 20% in terms of money and
influence, and the "trivial many," the bottom 80%.
Pareto later discovered that virtually all economic activity was subject to this his Principle
as well. For example, this rule says that 20% of your activities will account for 80%
of your results. 20% of your customers will account for 80% of your sales. 20% of your
products or services will account for 80% of your profits. 20% of your tasks will account
for 80% of the value of what you do, and so on. This means that if you have a list of
ten items to do, two of those items will turn out to be worth as much or more than
the other eight items put together. Franchise Business's have a step by step plan but there is always a human error factor to consider.
Here is an interesting discovery. Each of these tasks may take the same amount of
time to accomplish. But one or two of those tasks will contribute five or ten times the
value as any of the others. Often, one item on a list of ten things that you have to do
can be worth more than all the other nine items put together. This task is invariably the
one that you should do first.
The most valuable tasks you can do each day are often the hardest and most
complex. But the payoff and rewards for completing these tasks efficiently can be
tremendous. For this reason, you must adamantly refuse to work on tasks in the bottom
80% while you still have tasks in the top 20% left to be done. Before you begin work,
always ask yourself, "Is this task in the top 20% of my activities or in the bottom 80%?"
The hardest part of any important task is getting started on it in the first place. Once you
actually begin work on a valuable task, you seem to be naturally motivated to continue.
There is a part of your mind that loves to be busy working on significant tasks that can
really make a difference. Your job is to feed this part of your mind continually.
Time management is really life management, personal management. It is really taking
control over the sequence of events. Time management is control over what you do
next. And you are always free to choose the task that you will do next. Your ability to
choose between the important and the unimportant is the key determinant of your
success in life and work. Effective, productive people discipline themselves to start on
the most important task that is before them. They force themselves to eat that frog,
whatever it is. As a result, they accomplish vastly more than the average person and are
much happier as a result. This should be your way of working as well.
Make a list of all the key goals, activities, projects and responsibilities in your life today.
Which of them are, or could be, in the top 10% or 20% of tasks that represent, or could
represent, 80% or 90% of your results? Resolve today that you are going to spend more
and more of your time working in those few areas that can really make a difference in
you life and career, and less and less time on lower value activities.
Franchise Business: For the serious Home Business Owner
Have you ever thought you have the magic software program, the ebook and all the other tools that say that they can, and will, show you how to make the first page of Google? Hey, take a deep breath and know this. There is nothing, that competes with Veretekk and the Veretekkies who use this powerhouse system. I was probably just like most people learning to market online when I found Veretekk. I had spent way to much on ebooks, software, programs and tools to learn online marketing. That money leak stopped when I found Veretekk and started applying what I learned.
Just a glance at the full Gold System in action with 42 fully configurable lead capture pages to promote your business online. Will make some peoples head spin.
I imagine your mind is starting to get a little overwhelmed. I understand when I first saw the power of Veretekk I was a little overwhelmed too. Simple signup for any, or all of these systems and start testing the powerful tools available to you.
Personally I have been teaching and training folks online how to use Veretekk to grow their franchise business for several years. Once per week in my state of the art web conferencing room, I host advanced training sessions on marketing strategies using Veretekk. If you start with the affiliate system, you will have the advantage of learning from someone who can guide you through the Veretekk marketing mass step by step. Learn advanced marketing strategies that will empower you to success online.
You owe it to yourself, and your financial future online to take advantage of this very powerful search engine optimization tool known as Veretekk. Also, be sure to check out the Platinum Control Panel that is now in beta testing. It will really make your head spin. You add the addition of several Gold Veretekk Systems, and the ability to configure all of them from one location, now that's something to write home about.
Business Franchise: Streamline Magic How it works!
A message from... Cindy McAsey-Marketing Strategies Coach
Business Franchise: Streamline Magic How it works!
Franchise businesses are well know around the world, great examples are McDonalds, Subway, and KinderCare just to name a few. Our Business Franchise Online is much like a franchise, but with a twist. Here is the difference. You don't spend thousands of dollars on an up front purchase. Yes any business venture you will have to spend some money, but for a business franchise online with streamline magic the investment is minimual.
Streamline Magic using the golden ticket movie is one of the simplest funnels into business I've seen. The first step go to http://afranchiseonline.com and read a little bit more about our team then to make the decision learn more about Streamline Magic by clicking on the get started button at the bottom of the page.
Once you have read about how we sponsor people in streamline it's time to take the first step into locking in your position into the streamline. You will then be directed to check your email for the link to learn more about the Golden Ticket Movie. Just an FYI.. if you don't get your email it's because your Internet Service Provider blocked your email. Try using an gmail account that generally works. OR call me at 888-272-6701 and I'll help you through this step.
In the confirmation email you will be directed to a page that will explain a litte bit more about us, streamline and Veretekk the automated lead generation system we use. On this page you will click on the link to learn more information about the Golden Ticket Movie, the process, and some testimonials of people using the Streamline Magic System. Please read all this information and understanding that you will have a page set up for you just like this one. This page is pretty long and detailed, but if you are serious about your business you will read and understand it's importance.
The next step will be to make the decision to order and watch "The Golden Ticket" it's a DVD that does all the explaining how this works. You will be express mailed the golden ticket movie in 2 to 5 business days. Now if you don't want to wait for the movie, we have several movie premiere showings online that you can plug into once you have ordered the golden ticket. Trust me you will want to have a physical copy of this movie too. In order to get the information about our premeire showings you must order a physical copy of the movie.
This may see like a long detailed explaination of the process of our Franchise Online Busines process, but I know people come to the internet wanting to know how stuff works. At least I do... and they want to know what they are getting into before they actually make any committments. Really the "Golden Ticket Movie" does all the telling and explaining for us, but you have to have your hands on a copy of the movie first.
I think the reason this process excites me so much I know I can take someone without ANY business or internet experience and if they are willing to put in a little effort in a business for themselves we will have the up, running and making money in no time flat.
A message from... Cindy McAsey-Marketing Strategies Coach
Franchise Business: The Middle Man
When I was a little girl growing up in the Kansas farm business, we always joked about growing up and becoming a "middle man." As a farmers daughter it was drilled into our head that's where the bulk of the money for the crops we grew was going. To the middle man.
Today on twitter this message came to me. Can the Internet cut out a middleman: Music Labels Business? http://tinyurl.com/6ygvsg This was like a huge wake up call for me. The Internet has the power to be what ever we want or need it to do for us. Let me explain if you want to cut out the middle man you can do it with the Internet. If you want to be a middle man you can do it with the Internet. I'm living proof of that.
Are you concerned about the rising prices of oil? Big Oil Business Tycoon, T Boone Pickens has a practical solution that is sustainable, here is a really good little video that explains. http://www.pickensplan.com Totally makes sense to this KS farm girl!
Maybe you are struggling with a good catchy business domain name. Again the Internet to the rescue... Here's a Cool Tool helps you come up with good domain names http://www.psychicwhois.com/
Probably the biggest issues I see people struggling to grow a business online is not having a clear focus of what to do with the massive tool called the Internet. That's where a franchise online comes in. Much like a traditional franchise but without the big up front investment. With a franchise online you are in business FOR yourself but not BY yourself. Isn't it time you checked out what our team is doing online? http://www.afranchiseoline.com
After a few years, most businesses establish a set formula for
determining their marketing budget, usually a fixed percentage of
revenue. But when economic times get tough, it's time to make a
few alterations.
The mistake businesses make is to simply cut the marketing budget
when they experience a downturn in revenue. Big no, no. In an
effort to protect their bottom line, they are more likely to
bottom out.
Instead of cutting your marketing budget, try making a few
refinements:
1. Concentrate on past and current customers. They are more
likely to purchase from you, even during difficult economic
times. Mail to them more often, call them more often and let them
know about special promotions more often.
2. Instead of cutting your marketing budget, refine your
marketing message. Customers will be thinking of how they can get
more for less, so focus on the value rather than the low price.
Keep your prices the same and use special promotions
intermittently.
3. Take a closer look at who your real prospects are. Instead of
mass mailing, focus on a more targeted audience. Profile your
prospects and find those who have similarities to your past
customers. This technique will save you money and elicit a higher
response rate.
This summer is shaping up to be the biggest summer Veretekk has ever had!
More ideas coming from the Beta Platinum Control Panel group
This weeks brilliant idea. The Platinum Call Center
The concept: The Platinum Control Panel is designed to access and control certain aspects of other's Gold systems. If you have been paying attention you are already aware of the power already available. Butch Hamilton contacted me today and discussed the possibilities to be able to gather up all the Premium Leads in the Gold systems in his Platinum Control Panel so he could call them. Well, the idea is brilliant. So what we are going to do is create a Call Center system in the Platinum Control Panel that will logical list in line format all of the Premium leads according to groups. If you want to see them all, you can, or maybe you just want to see only the Silver subscribers. Are you with me so far?
Then within this lined list you will have name, phone, email, date, and comments. Makes it real easy for a seasoned telemarketer to call one at a time and communicate with these premium leads. You will also have the ability to remove the ones already called so when you get back to your list you can view all of them or view the ones yet to be called.
OK, now my juices are flowing, I told Butch. It occurred to me that to create a sub Platinum Call Center was a great idea. What do I mean by this? Simple, create a telemarketing panel that only accesses the Premium Leads you designate. Set up a unique username and passcode for a particular group. Then publish that link for the Platinum Call Center to a professional telemarketer or firm and let them use your custom Platinum Call canter set up for them to work for you.
Like I told Butch, "We have the technology. It can be done and will be done." Brilliant Butch. Now that is why we have a beta team. And your invited to join this dynamic team yourself.
Don't wait too long as positions are limited and they are filling up.
Find out more about this, this coming Monday.
Thomas Prendergast
CEO
Inetekk.com, Inc.
IT'S BONUS TIME FOR BARBIE ZABEL!
Do you want to earn $500, $5000 or more Every Month?
Barbie is! This is the second time she has won this bonus. All Barbie does is contact and support her Veretekk Silvers. By doing this she is converting them to Gold. So she just put an extra $1,000 plus in her pocket this month.
The bonus for each month keeps growing!
All you need to do is PAY ATTENTION to your business. Many are and we thank you for being a successful Veretekk Marketer!
See you this Monday!
Thomas Prendergast
CEO
Inetekk.com, Inc.
Butch Hamilton Column
SEO for the little guy and gal
In this article, I am going to pursue an element that is so often overlooked, but should be thought about to a large degree. Over analyzing your work on Google is the worst thing that you can possibly do for your online business. Over the years, I have lectured and trained many people in search engine optimization. By and large, the people that seem to have the most problems in learning the process are the ones that over analyze every small detail in this process.
Search engine optimization, at the core, is a beautifully simple process. You simply choose a high traffic keyword, build a keyword specific website, place information daily, using that keyword string and you have a very successful seo campaign in the works.
Here is the problem. People tend to be very analytical and anal, if you wish, to this approach. Like Tom Prendergast relates very nicely, this story concerning this issue. "If you are in the military, and the enemy is attacking you, are you really going to ask what makes this rifle work? Or, are you just going to point the rifle, and kill the enemy?" Personally, I choose taking the enemy out. This is precisely my approach to SEO as well. I am going to first visualize where I want to go with my presentation on Google. After that, I am going to choose the high traffic keyword, write the articles and everything else that I do.
Honestly, how hard can this process be, folks? But having said that, how many articles did you write today to promote your online business? How many websites did you build today? How many press releases did you write today, to promote your online business? If you are like most people that I talk with, you have just not gotten around to that process yet. I have one more question for you. What have you done today to build your business? If you have done a lot of chatting, or talking, then you probably are falling short of your goals.
You must begin to visualize what you want to accomplish. You must not over analyze this process. If you do, you will simply become just another case of someone who is not being successful in a home business. You will join the ranks of the 95% who are not having success. Do you wish to become a statistic. I know for a fact that I will be in top 5% of people that do make money.
The Veretekk Platinum Control Panel
I will segway this article right into the Veretekk Platinum System. I am having absolutely no issues at all operating this amazing system. It is a fact that this system works, is working, and will continue to work brilliantly on the search engines. I see in the Beta Skype Chat that some people are having issues. I will state this very clearly. If you are having some type of thing happening within the Veretekk Control Panel, 99.9% chance of that being a system error is simply not happening. Almost all of the issues that we are seeing is that the person is over analyzing, rather than adequately working this system.
It is a fact that Tom Prendergast and Mike Darling are the most advanced programmers working on the Internet today. Without a doubt, the things that these two gentleman can accomplish are amazing. Isn't it time for all of us within Veretekk to become professional at what we do? Should we not follow these two people's example and get busy and learn what we need to know to become successful with a home business?
I heartily recommend that if you are falling short of your goals, whatever they may be, that you take ultimate responsibility for you actions. You need to become educated by coming to the training classes, take notes and listen to what these people are telling you. Without this level of commitment, I can guarantee you that you will simply fall into the obscure category of one that is not being successful. We all have the option to choose our own destinies within Veretekk. I trust that you will choose the wiser path.
Butch Hamilton is a well known Veretrainer and can be found training in the Gold Veretraining Calendar.
The Bully Pulpit Upgrade is DONE!
Your Bully Pulpit email captures now load as fast as lightening!
But we are not completely out of the woods yet. I know when ever we introduce new technology there are going to be some bugs. But one thing you will notice is the lists now load very fast. Even my massive accounts with millions loads in less than 3 seconds.
However I have already discovered that when I went to use the leads transfer it failed. We are aware of this and it will be fixed.
I am sure there will be some other issues. Just let me know via Skype.
But the good news is, Email Captures is back, it is fast, it works and I am sure you like me are very happy about that.
Patience always pays off.
Let's pack the house!
Mike Darling
President
Inetekk.com, Inc.
Cindy McAsey Column
What are you doing with the dog days of summer?
Every year in the customer side of my business we experience the dog days of summer for a few weeks. This summer I'm using these dog days as an opportunity to really focus on our team SEO campaign. A few years ago I buckled down and did an SEO campaign the hard way and it took about 6 to 8 weeks to hit the top of google for my keywords. Since then I have participated on a few team SEO campaigns what a difference that makes, when everybody is working as a team! I don't remember exactly how long it took to get noticed in the Search Engines but it didn't take long.
I have learned when working as a team you must focus on what is best for the team and it's members first. In the Veretekk Platinum Control Panel you have 2 links that can be configured to what ever links you choose. At first glimpse I thought our team site RSS feed should be one link, but decided on my capture page forwarding to a rotator and our team forum instead.
Let me explain...
I know that people buy from people and they don't care how much you know till they know how much you care. Hopefully that makes sense to you. Bottom line to really have success online you need to promote yourself not the products or the company your represent. It's all about you, that's one reason social networking is working so well that many brick and mortar companies are hiring marketing people just to do social marketing for them.
So here's what we are doing on my SEO team, when someone decides to optin from my capture page they are directed to a rotator where each team members site is rotated in. This makes a huge benefit for the SEO team member. The SEO team member can take advantage of the years of experience I have online and the brand/image I've worked diligently on to create. I and the SEO team member will be working with the newest person getting them going. It's a win win situation for everyone. Over time each SEO team member will be taught to create their own brand/image online and branch off with a Veretekk Platinum Control Panel for their team.
This is has been my vision, now it's a plan that's taken action. How about you? Do you have a vision for your business? One great trait of leadership is having a vision. Have you ever heard the saying "You must stand for something or you'll fall for everything". I see this happening lots with online businesses. As a leader, you must first have a strong vision then learn to communicate your vision to the your team.
Here's how you do that...
Learn to paint a picture with words. Speak it. Write it. Draw it. Touch it. Whatever methods you can use to create a picture. Just do it, as they say. "A picture is worth a thousand words."
Ask a few of your team members to tell you in their own words about your vision. How close is it to what you thought they understood? Is your team on the same page as you?
As you work, your vision should be on your mind everyday. You should re-evaluate it occasionally so it stays current with the pulse of the Internet. Remember your team must be just as involved as you are with change. How about you does your team communicate daily and/or have weekly web conferences keeping everyone in the loop? Our team does.
A few weeks ago I shared with you my formula for success. Here it is again: Skills + Strategies + Testing + Fine Tuning Based on Results = Online Success, Now during dog days of summer is the perfect time to expand your skills and create your vision of running your own successful business.
Jerry Lawson
affilliatemarketing@gmail.com
580-993-3045
Rt. 1 box 87
Davis, OK 73030
http://chargebackcheats.com/viewtopic.php?t=1854
So be warned, not only will we pursue charge backers legally for violating good business ethics and Veretekk policy, we will also publicly reveal your lack of ethics on Google.
It has become common practice today that potential employers, potential business partners, and business in general will Google your name and if you violate our Charge back policies they are going to know about it. One more thing, these new forums are viral with RSS feeds and the information on them spreads fast.
For more on this please visit: Chargebackcheats
Sincerely,
Thomas Prendergast
CEO
Inetekk.com, Inc.
The Flood Of Testimonials Continues...
Real People With Real Results!
Like thousands of others, I came to the Internet a few years ago looking for a way to earn a living from home right from my own computer. I married young (soon after high school) and was able to stay home to raise my now-grown kids and participate in all their school and extra curricular activities.
When it came time for me to start concentrating on my own dreams, I didn't have a college degree to fall back on, and therefore wasn't qualified for a well-paying position anywhere. So I decided to *create* a career on my own by educating myself on Internet marketing.
I fell for a lot of get rich quick schemes, and lost a lot of money along the way. But I also got smarter during the process. I tried to promote several types of ebooks, products, services, as membership sites (both MLM and one-off sales or subscriptions)... only to fail miserably.
I've come to understand that it wasn't necessarily the product or service I was trying to promote that was the problem, it was the marketing system (or lack of!) I was using. I was being exposed to all kinds of marketing strategies, but never how to put it all together into a synergistic system of application. What I was doing was very scattered and inconsistent... and therefore, so were my results.
In late November 2007, I became aware of a group promoting another familiar opportunity and having a lot of success with it due to one of the ways they were marketing it. You guessed it -- Veretekk™. I jumped on board, dug in and learned how to set up and use the basics of Veretekk™ very quickly, duplicating the successful results of other group members. With each other's help and support, we are coming to experience what a powerful and progressive marketing system Veretekk™ really is, and how much more we can utilize it by tapping into more Veretekk™ training!
Today, I market the very same system I stumbled across a few short months ago (of which Veretekk™ is a major component) using safe lists and the Veretekk™ system. The prospects I talk to tell me they are desperate and hungry for a marketing system that actually works to help them find leads, potential new customers and/or business partners. Most of them have a similar marketing training history that I have - scattered and incomplete. They just know they have the ability to succeed if only they are given the blueprint to do so.
Now I finally have the solution they are wanting and needing -- Veretekk™ (in addition to our group's step by step instructions, daily activity plan, and individual support... or even hand holding if need be!). When my Silver members experience responsive personal help, detailed instructions and guidance first hand, it's an easy decision for them to go Gold. ;-)
As great an experience as it's already been in the form of increased sign ups, partners and sales, I look forward to seeing just how high my team can go as we continue our Veretekk™ education and application. When one is aligned with the Veretekk™ system, it's easy to believe that the sky's the limit!
Barbie Zabel
Proud member of Veretekk™
I discovered Veretekk™ about 16 months ago while looking for effective and affordable marketing methods to promote my MLM & Affiliate programs.
For years I tried buying premium leads, bought hits to my websites, sent thousands of post cards, posted flyers all over, handed out business cards, hounded family & friends, gave out free samples. bought people lunch and drew circles on napkins, used the three foot rule. You name it - I've likely tried it - in regards to marketing methods.
Since then most of the Affiliate and MLM programs I had joined (and thought were decent at the time) have vanished or turned out to be mis-leading at best. Most Deals are slick and you usually have to pay to join and work them a while to understand and get the real true picture.
Trouble is - I never felt comfortable promoting using any of the antiquated, expensive, and ineffective methods that the different companies or my uplines recommended. Nor could I in good conscience recommend it to those few I had miraculously sponsored with these old methods! It just did not make economic sense to me !
For a long time I was disgusted with the whole thing and turned away from MLM, Affiliate Marketing, and even online marketing completely. I researched No-Money Down Real Estate, Note Brokering, Vending Machines, Ebay, and dozens of different franchises -But they all still ended up just looking shady to me.
I also kept an eye on Veretekk™ and watched as it continually improved this past year and now has become by far the most powerful online marketing machine available anywhere - built for the little guy/gal who needs help.
I can only give thanks and praise to Tom Prendergast, Mike Darling, and the Veretekk™ trainers for all their invaluable contributions.
Tom and Mike are absolute Masters when it comes to Internet marketing and they give far more than you can imagine to make Veretekk™ AWESOME.
In doing so they have also attracted scores of like-minded individuals who are also adding their unique talent to the mix with live trainings, tips, and tricks you won't find anywhere else at any price.
Veretekk™ is now the cornerstone of my marketing efforts and strategies online. FINALLY - I can honestly say that I feel at home and comfortable promoting online with Veretekk™.
I am now on target to becoming financially free within 3-5 years by utilizing the power of Veretekk™. Anyone can who is motivated, willing to invest the time to learn, and utilize the tools can do so too.
I would encourage anyone serious about marketing effectively and affordably online to get their own Veretekk™ system. There is nothing else comparable anywhere, at any price. Get back to the person who referred you and get prepared to thank them!
Sincerely,
Howard Dalton, MS, BA, MCSE
Aspiring SEO Master - Thanks to Veretekk™!
Monday! Monday! Monday!
LETS PACK THE HOUSE!
To join the conference, just login to your Veretekk™ system and go to Veretraining™, then just click on the Calendar. The web conference begins at 6pm PST on Monday.
Veretekk™ State of the System Address
Monday, July 07, 2008 6pm PST
Sincerely,
Mike Darling, President
Thomas Prendergast, CEO
Inetekk.com, Inc. (Veretekk™)
Business Franchise: Is your Focus in the Right Direction?
Sometimes I feel so fortunate to have the knowledge to teach and train marketers how to grow a successful franchise business. Just this morning I was blessed with a couple of testimonials. I think one thing that sets apart my online business is I constantly sit back and ask myself what can I do to help grow your business. Then I ask myself what is best for you. There have been several times when I finish the conversation and wonder by helping you what did I gain. I have to admit many times I don't have an answer, but deep inside I know if I can help enough people get what they want somehow it will come back around.
Here is a couple of those greatful testimonies that makes my franchise business training worthwhile.
Thanks to you, it has helped me realize that I need to find out FIRST what people are looking for and then guide them to the tool that speaks their language. Gratefully~ Lisa
Thank you for your concern. Yes, I got my order and I have never found a product like yours anywhere. It cleans my windows without streaking, which no other product that I have tried has done. Even Windex isn't streakless like they claim......I have used this product on everything proving it, and it hasn't failed me. I even cleaned my storm door while the sun was shining on it, and it never looked cleaner. I am very satified with it. Thanks to my daughter, who give me some of hers to try, I am a loyal customer for sure.
Joann Stephens
In fact, it's testimonies like these that make my franchise business so special. You should also
know that most people in this Industry are unattractive. Why? Because they say, "Join me! Join me! Join me!" Just look at all
the magazine ads, the Internet, your email, the postcards in your mailbox. They're all the same. Nothing differentiates them.
Relationships are as close to a 'sure thing' as you'll find. So what I teach is, don't
promote a product or a company. Promote who YOU are.
Our franchise online business system helps you find good prospects, build a relationship, and help you get the training you need to be successful. I hope your starting to see something different here with how we treat people and teach people!
Now the clock is ticking every second you hesitate team members are slipping in ahead of you. Today might be the day to check out what all this fuss is about. http://www.afranchiseonline.com(read more)
Franchise Business: Finding the Needle in a Haystack
With over 2,500 franchise concepts in the US alone, business owners are finding ways to appeal to investors. And one major way to do that is offer them the benefits of working from home.
FocalPoint Coaching powered by Brian Tracy is one home business franchise. This franchise business has created the world’s premiere business performance coaching franchise. FocalPoint Coaching provides professional, entrepreneur and business coaching. It is the evolution of years of work in maximizing achievement with businesses and entrepreneurs around the globe. It is the new model for providing organizations and people with the concepts and strategies to transform their businesses and their professional lives.
This Business Coaching Franchise is a company designed by a team of professionals with decades of franchising experience in the intellectual and information property product market. FocalPoint is a member in good standing of the International Franchise Association, the governing body for responsible and reliable global franchising. The key principals who developed FocalPoint selected the franchise model over other business models because franchising ensures consistent standards of quality, performance and client satisfaction. In addition, franchising ensures FocalPoint products and services remain relevant and strong in the marketplace by enabling FocalPoint to better respond to market changes and differing needs.
FocalPoint believes the ability to respond to changes, and the associated ability of Brian Tracy International to produce relevant materials to respond to these changes, protects the profitability and longevity of FocalPoint franchisees and the FocalPoint brand. FocalPoint International is powered by Brian Tracy which, with distribution of literature in 18 languages throughout 45 countries, is one of the world’s most prominent brands in business and professional development.
Brian Tracy’s well-known brand and global distinction are of critical importance to FocalPoint franchisees because the association with such a strong brand immediately establishes credibility in the eyes of franchisees’ clients.
Did these stats just put you between a rock and a hard place? Knowing in your heart a home business franchise is for you, but the financial requirements are just a tad over your budget? NO doubt there is a huge demand for business coaching and motivation in business. What if you could have you cake and eat it too.... meaning you could be part of a franchise and work virutally at home, without the BIG financial investment.
I don't know if this business franchise is for you or not, but a franchise online might be the needle in the haystack your looking for. Don't delay the clock is ticking...
Franchise Business: How to Start a Home Business Franchise
Choosing a New Business - Something to think about...
Before you just jump into a new business you should do your homework and find out exactly how much money, time, and effort it's going to take to earn the income you desire.
Not only is the company you choose very important also the team you join could make or break your business. Does the team your thinking about joining have a simple step by step process that even the newest distributor with NO internet marketing experience can follow and have success?
By the way as you can see I didn't set up this website... I'm just another smart distributor that understands the power of a simple automated system, and the power of building under my team.
Ok now back to the company...Does the company have a consumable product that people use everyday and needs to re-ordered? Are their support materials easily accessable to use for marketing purposes. I'm not talking about company flyers guys.. I'm talking about real content that can be used for online marketing purposes.
Just this morning I get yet another content writers dream site from our company. You know their are lots of support materials for a company when they have to put up a whole web page with links to web sites and explaining who might be interested in this piticular site. This website contains the URL, Site Description, and also explains who the website written for. Have you ever heard the term google spider food? I just counted there is 22 websites listed on this site.
It's always a good idea when choosing an new business to aline yourself with a company that can stand with just the products they promote ALONE even if there weren't a business opportunity attached with it. I know distributors in our company that have built huge businesses just selling products NOT recruiting Distributors. To be honest that's where much my bread and butter income comes from. It's customers not distributors.
I personally bring in lots of FREEE customers, because I'm able to ride the wave of 3rd party validation and 50+ years of content about the product. As part of our team you can learn how we do this and take advantage of our team posting channel that consistantly has held top positions on google for over 2 years.
I personally own the database for my customer's. I'm sure you have heard this quote by many marketing grurus "The money is in the list" Make sure you own your list... this is a business asset that if you should decide to sell your business or change products you have YOUR list.
Did you happen to see the article I wrote called "I'm mailing Naked"? I missed it last Friday when it was orginally sent. If you happened to have missed it and would like to see it send a blank email to barefoot@1-family.com Thanks to the power of technology via Veretekk you will get the popular "I'm mailing NAKED" article along with an explaination of why I titled it the way I did.
Franchise Business Frequently Asked Franchise Questions
Why Should I Own My Own Franchise?
Business ownership offers you the opportunity to take control of your career, finances, schedule and future. You will be your own boss, work hard for yourself, and potentially reap the rewards that business ownership can offer.
How Do I Choose The Right Franchise?
Deciding which franchise is right for you is a huge decision. The right business should not only interest you, but the initial investment amount must fit into your budget and it should enable you to live the lifestyle you desire (do you want more free time, more money, control over your work environment?). Additionally, any business you choose to buy must meet a market demand in your community. If there is no market demand or the area is already saturated with similar businesses, your new business will not have a bright, long future ahead of it. The best advice is to do your research before signing a franchise agreement. Speak with current and past franchise owners and make sure there is in fact a demand for the business in the area you'd like to open the business.
Why Should I Buy a Franchise?
Regardless of whether you have industry or business ownership experience, you can purchase most franchises because they offer complete training, comprehensive support from the home office, a proven business system, and a product or service that has proven itself to be popular and in-demand.
How Much Does A Franchise Cost?
The cost to buy a franchise varies greatly depending on what industry you choose to start the business in, whether the concept requires a storefront, office, home office, or is mobile, what state you buy the business in, and how much overhead your business will require. There are concepts that cost under $10,000 to start and other franchise businesses that require the investor to have millions of dollars in available liquid capital. Additionally, many franchise concepts offer financing or can help you gain financing if you're interested.
Can I Have A Business Partner?
This varies depending on the preferences of the franchisor but yes, most concepts will allow you to have a financial partner who may also be an operating partner, if you choose.
Can I Own More Than One Franchise?
Yes, but again, this can vary by franchise concept. Many franchisors will sell area or master franchises within a certain specified territory. These larger territories can be costly. If you own a single franchise and are successful, most franchisors will be pleased to sell you another territory. If you own one concept and would like to purchase another franchise from a different, unrelated brand, this is usually possible unless you plan to buy a competing concept.
Hopefully this FAQ will guide you in the right direction to getting started in your own franchise business. To learn more about our franchise online visit: http://www.afranchiseonline.com
A message from... Cindy McAsey-Marketing Strategies Coach
This morning as I was scanning my inbox I came across a message talking about obstacles and explaining how to experince success. This message stuck out like a sore thumb to me here is what it said...
Obstacles are not walls meant to stop you, they are doors that lead to progress.
When I saw this the first thing I thought about was, last week when I stretched my brain to the max on html code. Html code has been a huge obstacle for me, I'm getting better at it but have a long way to go til I master it. People who haven't yet experienced what I have think I'm good at html code. What they don't realize I've been working at mastering it for a long time. They are just seeing the progress I've made to this point.
Obstacles are your brains creative way of telling you what you'll have to deal with to achieve your goals.
I'm not going to write a long message to explain what is very clear. Everyone, everywhere, doing everything and anything, face obstacles. No person is immune from obstacles. Don't think for a minute that the successful people you hear about in all walks of life (including online gurus) haven't had obstacles to overcome.
What's my point? Face your obstacles. Be determined to figure it out. Learn from them. Work hard at it and it will free you to walk through the door to experience the success you desire.
It's simple, but not easy. Obstacles small and large will always be a part of life and those people who accept this, work at overcoming them, and keep a positive outlook on their future will be the people who continually move forward and enjoy building their online success empire.
Just Think about it!
Need a simple step by step process to follow for business success? Learn more about our franchsied streamline system. (read more)
Franchsie Business Facts and Information
Today I wanted to share a few franchise facts and industry stats with you.
There are an estimated 1,500 different franchisors (franchise business companies) operating in the U.S.
There are believed to be more than 750,000 franchise businesses in the U.S.
The franchising industry and businesses employs over 18 million people in the U.S.
In 2004, it is estimated that franchise businesses were responsible for over 1.5 trillion in economic output.
The franchise industry accounts for 40% of all retail sales in the US
A new franchise business opens every 8 minutes of every business day
Approximately one out of every 12 businesses in the U.S. is a franchise business
Franchise fact: More than 75 different industries use franchising as a means to distribute goods and services
The average initial franchise investment is $250,000- excluding real estate.
The average royalty fees paid by franchisees range from 3% to 6% of monthly gross sales.
Most franchise companies have fewer than 100 units
The average length of a franchise contract is 10 years
Top franchise industry- Fast Food
Top franchise company- McDonalds
It's no doubt that franchiseing works, but the question really is.... Is a franchise business right for you.
Here are some reasons You might want to purchase a Franchise Business?
Top Reasons To Buy A Franchise Business: Below you will find a list of some the top reasons why the franchise business model is considered to be the best and least risky way to start and own a successful small business in today's market.
Minimization of Risk: The #1 reason you should consider the franchise business model is to minimize your risk of failure. Many studies have concluded that the failure rate of new start businesses is over 90% within 5 years, compared to a success rate of 90% of franchise businesses that are still operating after 5 years.
Established Business Product or Service: The franchising business model generally offers a proven product or service that has been tested, validated, and successfully sold in the market place.
Proven Business Model: Franchise businesses can offer and transfer a proven and refined business model. This would include would include operating and management systems developed by the franchise company, as well as uniform operational standards and procedures.
Brand Recognition: Leveraging the power of an established and successful franchise system can offer new franchise owners instant brand name recognition in a crowded and often very competitive consumer market place.
Learn more about our one of a kind franchise online business. It's got all the benefits of the traditional franchise but not all the big up front costs. http://afranchiseonline.com
A message from... Cindy McAsey-Marketing Strategies Coach
Ridin the Wave - China passes the USA in Internet users
You might be thinking how does that effect me? It's called being in the right place at the right time. Hear me out OK?
A year ago the company I market products for was showcased on Oprah Show for their Green Cleaners... OMG I didn't know so many people actually watched Oprah! That was a little over a year ago (and many product showcasings on later shows) as Distributors we are still riding that wave.
The reason it worked for me was.. I had been building a presence online marketing Shaklee products for a few years, when people finished watching the show they started searching online to get the product. Yes they did give out a website on the show, but do you think everyone got the website written down right? Nope.
Even those who went to the correct website were passed down from the company to active distributors at no cost. Basically all we needed to do is follow up with them and provide customer service and then let the company know we had indeed followed up with them. Powerful way to provide one on one company wide customer service huh! These new customers and members have become a part of my database whom I continue to follow up with and answer questions.
Now for the China deal, guess what company will be opening the doors in Beiging, China (the largest city in China) in the very near future? Yep you guessed right! Again my primary company... talk about being at the right place at the right time. Here is the article that passed across my desk today; Law of averages wins again: China passes U.S. in Internet users
You might be wondering how does all of this effect YOU?
Do want to have online success? Another wave is on it's way and this one is BIG, bigger than the first one.
It sure doesn't hurt to look a little deeper and research what I'm doing does it? I've got a little webpage posted online that will give you some benefits of joining our team. Link to A Franchise Online I know you are a savy marketer and you might want to check into this franchise deal a little further, so I've included a couple of more information and resource links on the left.
Remember the forumla I use and teach others to use? Skills + Strategies + Testing + Fine Tuning Based on Results = Online Success
Aligning yourself in the right place at the right time is one smart strategy...The clock is ticking,
Franchise Business: Streamline Marketing Strategies for savy Marketers
For the savy marketer...
If you are like me a savy marketer you are always looking for ways to do less work and more time living life. A few weeks ago I decided to bite the bullet and use a system that was already built, and proven to work. In fact I searched this system out online. You see I knew this Paul Birdsall guy was growing by leaps and bounds in my primary company, but because I had worked so hard to create my own image and brand online I hesitated to join and use his system.
When I first looked at the Streamline Sponsoring System I got it! I knew exactly what he was doing and how and why it worked soo good for him. My next decision was.... did I want to build my own system like it or swallow my pride and use what he had already built. The reason I made the decision to use and market Paul Birdsall's system wasn't for me, it was for all the brand new marketers I would be bringing aboard. I know I can be successful at what ever I decide to market, but I know at the same time when you are new to something you need a VERY SIMPLE SYSTEM, and simple step by step training etc.
Now don't get me wrong I will be using Veretekk to market this system... all I'm saying is for a NEW person starting out they start with very simple strategies can see success in days not months. Once they plug into my team I'll be teaching them more advanced marketing strategies. Guys I have this very clear vision how to take a brand new marketer and plug them into the new platimum Veretekk control panel once they have proven to me they are coachable and can handle the power of Veretekk. I will have a limited number of people that I can do this with so the clock is ticking.. will you be part of our savy marketing team?
Now that I'm a streamline member, have access to what Paul is teaching, I know he isn't the "bad guy" the internet had made him out to be. I can see his marketing strategies have been perfected over time just like mine have. Paul is now marketing from the heart and even gives worst case senerios... This truth marketing strategy weeds out the "something for nothing seekers" that we don't want to waist our time with anyway.
I wanted to show you one of the sample email's that truly shows this from the heart marketing strategy. Be sure to watch the video... his little boy is sooo cute! Think about it guys how much more simple can it be when you have email's, ads, Joint Venture strategies already laid out for your team.
Here is that sample email...
Hi ______
I just got my own website and partnered with someone who is teaching me how to make money online in my own home based business. He's actually a full time stay at home dad who teaches people to do the same and you get a fully loaded website all set up for you. You might wanna hear what he has to say it's all really kewl. Just click this link to watch his short 6 minute video explaining it all. When your done go take a look at my website and let me know what you think, ok? Maybe we can be partners together on this.
_________________ <-- insert YOUR name, of course! ;-)
P.S. One more thing, they even have a car program. So we can both get new cars!
I want you to sit down and really look at what you are marketing online....
With what you are currently marketing can you honestly say to yourself...
It would be simple for a newbie just getting started on my team, to invest less than 500 hundred bucks, spend no more than 10-15 hours per week and still be making a residual $5000 a month in 3 years? (Remember this is next to the worst case scenerio based on a 90% failure rate)
What you need to remember is that Streamline Site itself is the cash generator that sustains your business from month to month. You will earn $15 everytime someone purchases a streamline site. It's one level straight commission affiliate program... again very SIMPLE.
As a marketing strategies coach I see and seek out many marketing strategies daily, I have to tell you this is one of the simplest to understand and get started with marketing funnel's I've seen. If you are like me and always on the look out for ways to do less work and have more time living life you maybe you should take a closer look.
Franchise business - How to choose the best business
Choosing a New Business - Something to think about...
Before you just jump into a new business you should do your homework and find out exactly how much money, time, and effort it's going to take to earn the income you desire.
Not only is the company you choose very important also the team you join could make or break your business. Does the team your thinking about joining have a simple step by step process that even the newest distributor with NO internet marketing experience can follow and have success?
By the way as you can see I didn't set up this website... I'm just another smart distributor that understands the power of a simple automated system, and the power of building under my team.
Ok now back to the company...Does the company have a consumable product that people use everyday and needs to re-ordered? Are their support materials easily accessable to use for marketing purposes. I'm not talking about company flyers guys.. I'm talking about real content that can be used for online marketing purposes.
Just this morning I get yet another content writers dream site from our company. You know their are lots of support materials for a company when they have to put up a whole web page with links to web sites and explaining who might be interested in this piticular site. This website contains the URL, Site Description, and also explains who the website written for. Have you ever heard the term google spider food? I just counted there is 22 websites listed on this site.
It's always a good idea when choosing an new business to aline yourself with a company that can stand with just the products they promote ALONE even if there weren't a business opportunity attached with it. I know distributors in our company that have built huge businesses just selling products NOT recruiting Distributors. To be honest that's where much my bread and butter income comes from. It's customers not distributors.
I personally bring in lots of FREEE customers, because I'm able to ride the wave of 3rd party validation and 50+ years of content about the product. As part of our team you can learn how we do this and take advantage of our team posting channel that consistantly has held top positions on google for over 2 years.
I personally own the database for my customer's. I'm sure you have heard this quote by many marketing grurus "The money is in the list" Make sure you own your list... this is a business asset that if you should decide to sell your business or change products you have YOUR list.
Did you happen to see the article I wrote called "I'm mailing Naked"? I missed it last Friday when it was orginally sent. If you happened to have missed it and would like to see it send a blank email to barefoot@1-family.com Thanks to the power of technology via Veretekk you will get the popular "I'm mailing NAKED" article along with an explaination of why I titled it the way I did.
Franchise Business: Are you an Accidental Role Model
This article was just too good not to post here... at the very bottom of this article is a link to my own role model story.
The Accidental Role Model by Barbara J. Winter
During my daughter Jennie's last year in college, she called me with a startling accusation. "You've ruined me," she said."What do you mean?" I asked while bracing myself for the worst.
"Well," she explained, "my friends are all writing their resumes and going on job interviews. I can't do that." I breathed a sigh of relief and said, "I know. I did that on purpose."
After years of working unhappily in traditional jobs, I started my first homebased business the year that Jennie went off to kindergarten. Right away, it became obvious that my daughter was reaping the rewards of having a happier mom. I was having such a good time in my new creative lifestyle that I became a better parent. I also would find little business projects for Jennie to help with, like putting stamps on a mailing. She loved it. We were growing something together and she was proud of her contribution.
Although I started my entrepreneurial life out of a desire to find more joy in what I did, I also didn't want Jennie to grow up with the negative messages I'd grown up with about work. We can't really model what we haven't learned ourselves, of course, but we can be conscious about the messages we're passing on to our children. "Nothing has a stronger influence psychologically on children than the unlived lives of their parents," warned psychologist Carl Jung.
So, naturally, I'm excited when I see a parent make positive changes for themselves -like Rob McCarthy. Rob and I knew each other for years before we met. Rob worked for a large video and audio production company where I bought my seminar tapes so he was the guy I'd call when I needed to replenish my inventory. One day I called to place an order and was told that Rob no longer worked there. A month later, Rob called to tell me he'd moved to a smaller company and wondered if I'd like to move my business there. I promptly made the switch.
Then the same thing happened. I called to place an order and was told that Rob had left. A few weeks later, I got another call from Rob saying he'd decided to start his own business. "Congratulations," I said. "Where's your office?" He explained that he was running it from home and planned to create a mobile studio. He sounded excited and said it was a new experience for him to be home alone all day.
"Do you have kids?" I asked. He told me he had two. "You probably don't realize this, " I said, "but your working from home is going to have an impact on them." "Besides being around to drive them places after school?"
"Most kids get a really negative message about work" I explained. "They don't understand what it is that their parents do. They just see them leave in the morning and come home tired and crabby. By the time they get ready to work themselves, they have a rather bleak picture of what's in store for them. But if you're working at home, love what you do, and involve your kids in it from time to time, they're going to get an entirely different idea about work." "Wow," Rob said. "I never thought of that."
I cannot recall one single adult that I knew as a child who was joyful about their work. Is it any wonder, then, that many of us grow up thinking of work as a miserable life sentence? I'm optimistic that many young people are going to get a different message as more of us become committed to doing work that we love, and doing it in front of our children. Although some people decide to start a homebased business in order to spend more time with their families, I suspect that few realize that sending a positive message will be a side benefit-one that will have a lasting impact.
When Jennie was about eight years old, she decided that she wanted to go to Disneyland and decided to organize a yard sale and sell her old toys in order to fund this adventure. Her entrepreneurial spirit was already showing her how to solve problems creatively. I wish I had learned that lesson early in life.
Whether you know it or not, you may be more of a role model than you realize. A few years ago, I spent six weeks as a Junior Achievement volunteer teaching fourth graders about the free enterprises system. On my first day there, I confessed that I knew nothing about nine-year-olds.Then I told the kids that I had my own business, but I didn't have a store or an office. After I'd explained my one-person operation, I asked the class if any of them knew someone who was self-employed. At least two-thirds of them raised their hands. I suspect that wouldn't have happened even a decade ago.
I was heartened by the number of my fourth graders who had an entrepreneurial role model in their lives. It is not a responsibility to take lightly. "There is no power on earth," said Booker T. Washington, "that can neutralize the influences of a useful life."
About the Author: Barbara J. Winter is a Las Vegas-based writer, speaker and entrepreneur. She is the author of Making a Living Without a Job and the publisher of Winning Ways newsletter. She conducts seminars throughout the United States, Canada and Europe. You can learn more at www.joyfullyjobless.com
That article kind of makes you stop and think doesn't it! My own "role model" story was really one more of perservence, but now that I look back at I was teaching peservance by doing what I did.
This is an awesome short video clip of true sportsmanship. If you watch this video and can honestly say you wouldn't have done what the loosing team members did. Please do yourself a favor and DON'T continue reading my message. One nice thing about doing business online is we can sort and pick who we want to do business with. I choose to bring people on my team who are not only team players, but are willing to go out of their way to help another team.
Just this morning I did a 45 minute training for people who you would consider a competing team. Why did I do it? Because I knew this team desperatly needed some help understanding online marketing methods. It's kind a ironic actually about 5 minutes after finishing this training I see this sportsmanship video.
Got a question for ya...
Would you start in a new business venture if you knew FOR SURE in 3 years you would have AT LEAST $5000 residual per month?
I don't know what your answer to this question is but...
For me I would say YES.. if I knew I didn't have to sell the farm to get there.
Granted it does take some money to grow your business, but what if I could say to you that even with a 90% failure rate you could still be making enough to pay for your expenses during those 3 years.
This is next to the worst case scenario guys... the worst thing that could happen is you quit. BIG MISTAKE! A word of advise....you must join a team that has character and stick with them like super-glue!
My Franchise Online Team is only for people who have the ethical and moral structure. (character) Does this discribe you?
Many have looked at my afranchiseonline.com site, have seen the vision and simplicity of what we offer. I don't know if this is for you or not.
Again, you are the final authority on your life. Tune in to yourself and do what's right for you. And as you do this, be alert to those times when you may be dismissing the next gift to come your way.
Let your guard down, give service and let life in.
Follow our Franchise Business System and Make Money Online
For the first time since I started marketing online I feel I have something to offer anyone contacting me about makeing money online. I have put together a portfolio of jobs, products, and services that I know will make earn anyone from any walk of life the opportunity to make a living online if their mindset is right.
Mindset is soo important when considering earning money online. Just as the founder of my primary business has always said. "What you Think, You Look; What you Think, You Do; What you Think, You ARE."
Everyone starts out at a different level when they come online to start making money, some come with lots of marketing experience, some come with none. Some come with lots of technical experience, some come with none. Once people realize that everyone starts at a different level and not to beat up on themselves when they see someone succeeding online before they are. Because of their past experiences they start out at a different level.
I listened in on a recruitment call of a Cardiac Specialist and past cancer research scientist. Now if you don't have any medical background do you think you will start out knowing what they know about health and wellness? Both of those people gave their dues through training and education when they speak about health and wellness people listen. So next time when you see someone joining your company and in 6 months they are at the top of the pay plan give yourself a break and look at what they had done prior to joining the company.
If you feel you are in that mode of not moving forward with your business maybe it's time you found someone one to coach or mentor you. Sometimes someone from the outside looking in the solution can be so simple, but because you are in your business up to you neck you can't see the simple solution.
What ever your walk of life is there is something for you online that you can make money with.
Learn how to get to the top of Google with Veretekk! Don't have a clue how to accomplish this? We provide the training and step by step instructions on what to do. We also help Golds streamline their System so they start receiving leads faster. It is time to focus on the techniques that work online today and know that as the internet marketing strategies change, so will Veretekk. Stop spending money on every ebook, software program and email promise that comes your way and learn how to set up your home business marketing to make it work!
Check out all of Traffic Portal Websites offering free services. Feel free to sign up on all of these websites to generate more traffic for your business. If you are looking for more leads to build your business, sign up as a free Silver and see what we have to offer.
Lead Generation: All of the following websites generate exclusive leads for the owner of this Gold Veretekk System. It is a win-win situation for everyone who takes advantage of these free services. And for anyone looking to generate more leads, the opportunity to create and verify exclusive leads is exciting. Our System is fully verifiable and you can see exactly what works and what does not work. As part of our Team, you also get the benefit of working with others to further increase the success of everyone on the Team.
Initiate Traffic for Leads: Once you set up and activate all of the Traffic Portals, the traffic and leads start building in your autoresponder system where you can easily send emails to your fully opt-in and qualified leads.
Link Integration: With the click of a button, you are linked to every possible marketing and advertising on the internet. The system is totally automated and a click of a button, sets up your backlinks.
Custom Configuration: With the Gold Veretekk System, you have 20 Traffic Portal Websites that can be set up with meta tags, hidden copy, descriptions, photos and ad content to promote your business for more SEO power or to promote the free service offered on the Traffic Portal for more leads. Another 20 Portals can be setup for even more SEO backlinks for your business.
What is Power Posting? It is a simple way to post on the internet, build backlinks, and notoriety on the web to help brand yourself and your marketing. Simply create a group of like-minded people and decide on a subject. When posting in forums use hyperlinks that relate to the group and hyperlinks that take people to your blogs and the blogs of others in the group. Often with a little communication, the entire group can go to a particular forum and begin posting on a single thread. One person can ask a question and someone else can answer it and before long you have created interest in your marketing information that others in the forum begin to comment on. This quickly to communication with others in the forum which leads to building relationships on which business can be transacted. Business is always based on a Know, Like and Trust Relationship so it helps to tune your postings to begin and solidify relationships with others in the forum so that you can begin doing business with them.
Power Posting on Blogs is simply blogging with your group of like-minded people on similar subjects and then using hyperlinks to refer to each others' blogs. Power Posting also includes using RSS feeds to increase your blogs popularity. RSS feeds help the spiders follow all of the latest information on your blog and the blogs of all the members in your group.
So, how do you form a group of like-minded people? You can do it yourself by building a website and marketing it so people will join you in your endeavor or you can join a group with similar goals. We have been building a marketing group called Purple Cowboy Marketing in which we teach you Power Posting and many other marketing tips. You may have seen us already on the web. One of the programs we use to boost our web presence is Veretekk (you can sign up for a free Silver System) which is one of the cheapest most powerful ways to market on the web today. When you become a gold member you instantly have 42 marketing portals that you are able to configure to your marketing campaign using keywords of your choice. This instantly gives you the credibility of well "seasoned" domains with 12 years or more of exitence on the web.
July 04, 2008By: admin Category: UncategorizedNo Comments →
Veretekk 2.0 update
Veretekk V2 Update
Progress on Veretekk 2.0 is continuing at a fast behind the scenes and the privileged members of the warrior group were shown a mock up of the back office where space will be provided to add notes pertaining to how you are using the various blogs, press releases and social networks.
I don't know about you but once you are connected to a few social networks or setting up a blogging campaign, it is easy to get confused, or lose focus so now within the Veretekk Gold system you will have a tool which will help you keep track.
Veretekk V2 is set to become a one stop shop for your marketing campaigns and I personally cannot wait to use the many tools which will be phased in over the coming months such as a Blogging tool and a free leads capture system,which is semi automatic you just need to select which set of auto responder messages you need to send out to the double optin leads.
Tom Predergast held a meeting today with the Veretekk Warrior group who are at the forefront of changes which are being made to the Veretekk system in the coming months. Veretekk 2.0 will not be a grand re launch on a set date but will consist of a number of phased changes.
Next week the design team under the control of Mike Darling will be given the blueprint of how Veretekk will be redeveloped into one of the most powerful social and business networks the world has ever seen.
Gold members of Veretekk will be given a FREE hosting account on which they will be able to host their own domains, blogs and forums to support their business.
One other change will be the launch of a Veretekk tool bar to control everyday work and in fact a number of toolbars will be promoted by Veretekk one of which is Invite 5.
I am already using Invite5 on which you can earn free money just by browsing a few ads on a daily basis, I know of someone in Malaysia who is already earning $100's a day. The Invite 5 Toolbar provides a login manager to save your passwords and an e-mail checker to alert you of incoming emails, plus customised toolbar buttons to run other applications, Its a great time saver.
Knowing that Invite 5 is going to be featured on the front page of my Veretekk site is promoting me already to start building a down line as one can earn money up to seven tier down check it out at joini5.com/theinterbiz.
Talking of earning money once the phased changes commence even free Silver Veretekk members will be able to earn commissions on Gold upgrades and there are expected to be a lot of upgrades as Veretekk 2.0 Unfolds.
The countdown has started for the long awaited release of Veretekk 2.0 which is now due to be launched in January 2010.
Veretekk has evolved over the past ten years to be one of the oldest business social networking sites and with the growth of social networking the time has come to provide a single interface or portal from which members will be able to have access to their social and business contacts on Blogger, You Tube and Twitter.
Veretekk has always provided free training on Internet marketing on a daily basis to its silver members and now this will be extended with the provision of free public seminars to the general public.
One other news worthy item is that from the launch in January Veretekk Silver (free)members will be paid a monthly commission whenever they introduce a Gold member.
Many more changes are in the pipeline to ensure that Veretekk retains it position as an excellent lead generation package and top SEO results tool
Top SEO Results tool, Veretekk Platinum Control Panel Launched
Top SEO results depend on providing good information on a regular basis and having links from other sites.
FOR IMMEDIATE RELEASE
PRLog (Press Release) – Sep 30, 2009 – . David Ogden the CEO of the TheInterBiz LLC is pleased to announce he has been appointed a Master Distributor for the Veretekk Platinum Control Panel, which will revolutionize the way to obtain top SEO results for any business, by using the power of Veretekk.
The Veretekk Platinum Control panel has been designed to control 20 Veretekk gold uses accounts, each of which, are already powerful SEO assets comprising some 40 portals for SEO marketing and lead generation. The control panel can quickly and easily configure accounts to target selected keywords or keyword phrases in a matter of minutes.
Once configured the platinum control panel can be used on a daily basis to update the various sites, blogs and blogger drones, with fresh information at the push of a button.
The Platinum Control panel can be used by SEO companies, Team leaders of MLM companies or individuals who wish to dominate organic search results and is available as an upgrade for Veretekk Gold subscribers.
TheInterBiz LLC was established in 2008 by David Ogden - Internet Marketing Mentor in order to carry out internet marketing training and sales business in the USA and Canada and has since extended to include health, wellness and greeting cards, together with SEO services
Website marketing, a quick search on Google
reveals over 65 Million results, with an average search of around 12,000 times per month and at the moment the popularity has been showing a rise month on month to the current level of 18,000 searches a month.
Website marketing requires knowledge and tools in orders to get to the top of search engine results
One needs to carry out research on the keywords being used to search on items you are selling, its is no use if you have a top position for a keyword no one is looking for.
Once you have researched you keyword, you then need to build a website with the keyword in the title and add relevant content content, it helps also if you keyword is part of your domain name. Many peoples website marketing efforts fail at this stage because they build complex sites including fancy gimmicks such as flash, when all that is needed is a clean fast loading site to supply the information people are looking for.
When your website is complete submit it to Google, submission is free and as Google is the main search engine of choice, there is no need to submit it elsewhere as other engines will pick up from Google.
The next stage is to use tools such as Blastomatic which can promoter your site to 12 Million sites at the push of a button. this is the first stage in website marketing.
Website marketing can take a number of months to bring in results and if you wish to retain a top position you must make consist ant effort on a regular basis using press releases and blogs to ensure new content is added to your website.
David Ogden - Helping people help themselves
Veretekk Marketing Asia
USA Office - 386 308 1956 after 6PM EST
Malaysia +60 (0)88258702 (read more)
Veretekk WEB 2.0 Automated Marketing
The V2 release is being held off until next month.
Here is why. First and foremost the whole concept has grown arms and legs. In other words, we have many more things we want to deliver and delver it we will. One of the fundamental benefits we want to deliver is the ability for Gold subscribers to broadcast daily not weekly from your Bully Pulpit. Therefore we are still in the process of beefing up the outgoing mail servers to facilitate this.
The next major benefit to the new release is having a team of Open House presenters ready to go to help educate the public on Internet Marketing. This team is being trained as I write this and many are getting close to having excellent market data presentations available through your new V2 Veretekk system when it does get released. This single enhancement is more than just technology, it is a major shift in a new direction that will make your success that much easier to achieve.
Imagine if you will, having something to promote that everyone on the Internet wants. Access to pertinent, current Internet education open to the public without need of cost, or even verification. Attendance just requires entering a name into the Vereconference room and to attend these focused generic seminars by trained presenters
These newly trained and skilful trainers will facilitate your Silver subscribers to understand why they need Veretekk Gold. For instance, did you know that Veremail, a major component in Veretekk is superior to any of the other mailing systems out there like Aweber? Did you know that Aweber increases their cost as your database grows? If you had 10,000 leads in your Aweber account, your monthly charge is $140 per month? And email uploads? Many mailing systems out there only let you upload email databases you buy from them, or like Aweber, charge you every time you do an upload and limit your uploads to 1000-2000 per day.
Of course all the other whistles and bells we promised for the V2 release are mostly ready to go, but we want the Open House presentations to be ready to go when we do. Primarily, the Video system and audio system integration along with a YouTube like Traffic Portal. These are major shifts in the direction and leadership of Veretekk.
When we do this new release the comp plan will change as well. The cost will increase to $54.95 and the payout will be as follows.
1st level (Silver and Gold) $10 per month for every Gold
2nd level (Gold only) $5 per month for every Gold
3rd level (Gold only) $15 per month for every Gold.
We are making this change so that a Silver member can build a nice residual income. With 5 Gold subscribers, their cost for Gold is paid for.
And with the new skills the trainers are learning, your Silvers will have every reason to want to upgrade to Gold.
Now that is marketing at the speed of thought.
David Ogden – Helping People Help themselves turn dreams into reality
Website marketing presents many challenges for new business owners on the Internet as there are so many angles to cover. The first task is to ensure that the Website you are going to promote is set up the correct way to enable it to reach top position on Google
as website marketing it is a very competative area.
There are a number of tools you can use for website marketing purposes such as blog and classifieds as well as traffic exchanges, however one favourite remains the Blastomatic Ad blaster which will send out adverts to 12 Million websites and FFA lists at the push of a button.
It is important to understand that not many people will read the adverts you blast out with this system and that causes you perhaps question why you need to send an advert out in the first place. The answer is that many of the sites you submit to display a lot of information and so attract the search engine spiders and that will result in the spiders following the links to your websites.
The more often that search engines come across links to your site the more successful your website marketing will become. so always use the tools as your disposal.
David Ogden
Helping people to help themselves turn dreams into reality
PH 386 308 1956 (read more)
Veretekk Asia
Veretekk Asia
Veretekk started its expansion into Asia at the beginning of the year, one difficulty that has held back progress was souring a secure online payment system for paying commissions to its Affiliate members so that they can transfer amounts to and from their local bank. In January 2009 they formed an alliance with AlertPay which can pay out in virtually any country in the world.
Over the past 12 years Veretekk has built a name for itself as a leads generation and automatic marketing system and this has been further enhanced by providing training and tools for Search Engine Optimisation (SEO)
Veretekk will shortly be launching its Platinum control panel aimed at business leaders who want to present a complete marketing solution to down line members or fellow business associates. The Veretekk Platinum control panel allows central control and configuration of up to twenty separate Gold account
and is a great time saver for business leaders
All Veretekk Gold Subscriber is given a free five seater Vereconference room, to conduct small business meetings or for training sessions with or webinars with prospective business customers.For more information Contact David Ogden or go to http://veretekk.davidogden.org(read more)
Learn How To Market On The Internet
The current financial woes that are sweeping the world is causing many people to consider building an online business. the problem is there are millions of people working online who have the same idea.
The first step is to identify a particular area where you have some knowledge, experience or interest which you can pass on to others and earn money. You then need to sit down and look for an opening in the area that interest you. The Goggle search engine makes it easy to research a particular subject and get some ideas on what competition there might be in the area of your expertise. A business colleague of mine, Butch Hamilton has written a free e-book about Niche Marketing which I recommend you download and read.
(Money Magazine) -- Alicia Munnell is a Harvard-trained economist. She served as an assistant secretary of the Treasury and is regarded as one of America's foremost experts on 401(k)s. You'd think she'd be terrific at managing her own retirement, but even she has to confess up to some mistakes. "When my son got married, I took some money out of my plan to help," says Munnell, who heads Boston College's Enter for Retirement Research (CRR). "And I ended up paying a 10% penalty and taxes."
In the jargon of the retirement business, that's called leakage. It's a common problem: About 60% of job switchers with a 401(k) plan cash it out.
That's just one of the many pitfalls. Lots of people start saving too late, save too little or make missteps with their portfolio. And all of us are vulnerable to risks that we can't control. Your employer might not offer a plan or might choose one with second-rate investments. Or you may hit a market storm at precisely the wrong moment: the year you stop working.
That last problem is especially obvious now. Over the past 12 months, a 64-year-old investor and AARP member in an age-tailored "target date" mutual fund has lost 26%. Savers with high balances can recover from that. But many lost more, and the typical near-retiree with a 401(k) has less than $50,000 stashed away in it. That will spend down quickly, and once the money's gone, it doesn't matter if the market roars back.
A recent CRR study shows that a bear market retiree could easily end up with just half the income from a 401(k) as someone retiring during a bull market. "Any system that delivers such wild swings in retirement income is just not working," says Munnell.
She isn't the only one who's worried. A growing number of policy experts who study 401(k)s think they fall short..... Some 78 million baby boomers are hurtling toward retirement many of them members of AARP. Their poverty, if it comes to that, will be a burden to their children and lead to calls for taxpayers to support them.
These are worrying times and many people including AARP members are looking for other methods to boost retirement income. Economist Dr Raymond Jewell is presenting a retirement plan tomorrow at http://tomorrowshomebusiness.net at 6p PAC he will demonstrate a plan he has developed and is using provide income in 10,20-30 years. Join him live login with your real name and password success.
Veretekk Web 2.0 - Launches on Ist of April, but you do not have to wait to appreciate some of the major changes to the back office of Veretekk. The new look will be only be switched over on 1st April, however already existing members are seeing changes to the back office as the various sections are linked together into a cohesive system.
Veretekk has alwayd been a social and business networking system, where members help one another market their own business and at the same time learn about how to enhance thier business results using SEO techniques and blogs, mailing and autoresponder systems in video conference rooms.
The formal launch of Veretekk WEB 2.0 has led to a review of some parts of the system., Such as how to unsubsribe from various auto responders.
A major change of emphasis is taking place on the marketing portals so that in the Veretekk WEB 2.0 system, the auto responders for each portal will be preloaded with a sequence of messages advising on how the particular portal can be used and this will be backed up by a series of Ebooks.
The first of the Ebooks has just been released and it contains a lot of useful information
Vereconference Ebook Manual feel free to download it.
In 2008, 6 million Americans aged 65 and older were in the labour force (working or actively seeking work), including 3.3 million men and 2.7 million women.
According to AARP, of the 11.1 million unemployed in the U.S., 1.4 million were at least 55 years old.
The December unemployment rate for the 55-plus workforce was the highest monthly rate since October 1992.
The number of older workers classified as "discouraged" (no longer looking for work) by the Bureau of Lab or Statistics has nearly tripled from December 2007 to December 2008, rising from 53,000 to 154,000.
Studies have shown that, after layoffs, older workers tend to be rehired at a slower rate. Many face significant pay cuts to return to the workforce.
The median weekly earnings of workers 65-plus in 2007 was $605 or 13 percent less than the total workforce.
Source: National Council on Aging
This is certainly a worrying time for AARP members especially those without saving or who are faced with negative equity from their homes. So what can baby boomers do to alleviate the situation.
Well a growing number already communicate via the Internet and perhaps this is an area which can provide a solution for their problems by working from home'
Banks are certainly not the flavour of the month at the moment amid fears that the US may nationalise or take a larger stake in them. Warren Buffet is also being hit hard by these financial rumours.
The news will not have any effect on AARP members unless they hold bank stocks, if they do
then short term news is not good.
Stocks around the world are falling and Gold is once more on the rise up to $1,000 per once from $650 in December.
On the Internet there are many money earning offers available to AARP members, but it is a case of buyer be aware as not all offers are genuine and there is a need to do due diligence tests is the offers seems too good to be true it probably is. My advice is to carry out thorough checks on Google both regarding the opportunity and the persons who is offering it to you.
Retire in ten years, is an option when you run an online business. but there is a secret.
Let’s face it, if you put off talking to everyone you know because you might be afraid of what they might think of you and your business, then you can never expect to achieve the level of success that others have when they have talked to everyone they know. The contact list is the life blood of any MLM business, and to be hesitant to work through the list is a good way to lose any momentum and a reason to just quit like so many have in the past.
How do you get past this problem, start your home business, and retire in ten years?
With the Internet, e-mail, and software available, today is a new day in network marketing. No more bothering friends and family and trying to convince people against their will to join your business. You now have the ability to post your business out there in cyber space and find that there are people who actually want to join your business. This may be just the answer for you to revive your business and get you over the hurdle that’s been keeping you from earning the income available in your home based business. But how do you get started?
The key to success that will allow you to retire in ten years, is getting customers for your business and to be honest its a problem for many home business owners, who spend many hours cultivating business leads and often give up. There is however an answer and that is to buy customers, that way you can save all the cost time and hassle in marketing your product and build a good customer base.
Now not many people know this secret that will allow you to retire in ten years, but there is a direct selling company in the USA that will sell their customers to you, and what is more on top of earning ongoing commissions they will continue to market to your customers.
Does this sound to good to be true?, well it gets better you can join in with a group of fellow entrepreneurs who will work with you to grow your business.
The US Economic Stimulus plan is still on track to be singed on Monday, providing that the two houses complete final votes this week on the final bill which is expected to include the following:
A homeowner tax credit significantly reduced from the Senate version of $15,000, double that of the House bill.
A tax credit, also reduced from the Senate version, for people who buy a car in 2009.
Funding to patch the alternative minimum tax, originally intended to target the wealthy but now hitting many middle-class families.
$90 billion of increased Medicaid match to states.
$150 billion for infrastructure, including $49.6 for transportation infrastructure.
Tax breaks for workers that had been set at $1,000 per family or $500 per individual have been scaled back to $800 per family and $400 per individual.
35% of the bill deals with tax cuts, 65% with spending. The compromise bill has a price tag of $789 billion, less than both the House and Senate versions.
Other news came from Switzerland with the two leading banks US and Credit Suisse, both loseing millions, forcing USB to lay off a further 1,600 people. Credit Suisse lost 7,000 jobs last year but hopes to survive with out government intervention.
Sonoran Bloom Evening Event Update In Phoenix
March 26th
Sonoran Bloom Nopalea™product is to be launched in Phoenix on March 26th Business TriVita Business Affiliate will receive Sonoran Bloom training from 1-5 PM, and are also invited to attend the March 26th Member “Evening Event” scheduled from 7:00 PM to 8:30 PM.
Special telephone numbers and a website URL will be coming soon enabling you to book your place at the road shows, watch this space for more details.
Sonoran Bloom Nopalea is the first in a new line of products and it will give the average person the means of creating wellness business. The NEW Sonoran Bloom Share And Earn Bonus Program will be launched at the same time and includes an income accelerator plan providing 70% comissions will run for 90 days and enable you to earn up to $500-$1000.
"I believe that Sonoran bloom nopelea™ will be the fist million dollar product"; Michel Ellison CEO TriVita Feb 2009.
Sonoran bloom nopelea™ creates a healthy celluar foundation and fights inflammation and is of benefit suffers of Alzheimer and many other diseases.
If you are interested to know more please contact me or For More Health Information from TriVita
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US stocks ratios have now dropped to 75% of GDP and According to investing guru Warren Buffett, U.S. stocks are a logical investment when their total market value equals 70% to 80% of Gross National Product. This combined with the economic stimulus plan currently under debate may be enough to start the stocks on an upward trend which would be AARP members who are relying on investments to fund their retirement.
Elsewhere Sterling has begun to make advances against other currencies thanks to better than expected performance of Barkclays bank who stocks rose 10%. There is a suggestion that even with recession biting deeply and a gloomy economic outlook sterling is past it worse.
Last months unemployment figures were the highest for 34 years with a further 598,000 jobs lost and the trend is expected to continue with some experts expecting it to reach 9% by the end of the year. Long term unemployment is also growing with 2.6 million people being out of work for over six months.
AARP members looking for part time jobs to bolster their retirement incomes are facing stiffer competition. Richard Johnson, an economist at the Urban Institute. “This recession is bad for older people because they can no longer simply afford to retire when they lose their jobs like they did in the past. Now we have so many older people invested in the stock market through retirement plans, it’s really impossible for them to retire.”
AARP members looking for alternatives have begun to consider setting themselves up in business for themselves, where they can take advantage of tax breaks and earn extra money to meet retirement costs with the help of such groups as Tomorrows Home Business.
Virtually the whole world is awaiting to see the US economic plan put into action, yes delays might save some money, but the sooner the bills are approved the faster confidence will return. Here is a leaked report of what has been changed from the original plan.
CNN obtained, from a Democratic leadership aide, a list of some programs that have been cut, either entirely or partially:
Partially cut:
$3.5 billion for energy-efficient federal buildings (original bill $7 billion)
$75 million from Smithsonian (original bill $150 million)
$200 million from Environmental Protection Agency Super fund (original bill $800 million)
$100 million from National Oceanic and Atmospheric Administration (original bill $427 million)
$100 million from law enforcement wireless (original bill $200 million)
$300 million from federal fleet of hybrid vehicles (original bill $600 million)
$100 million from FBI construction (original bill $400 million)
Fully eliminated
$55 million for historic preservation
$122 million for Coast Guard polar icebreaker/cutters
$100 million for Farm Service Agency modernization
It is now expect the bill will be voted on on Tuesday
The UK has reduced its Interest rate to 1.0% as expected but this is a twin bladed sword because saving rates have also reduced which effect many retired people.
There is also a glimmer of hope in the UK housing market based on a recent survey, it seems that houses prices have reached a level where first time buyers are prepared to enter the market, provided they can obtain loans to borrow between 3-4 times their income. At the moment it looks like the housing market will improve ahead of the USA, where investors are still looking for the market to fall by a further 20% or more mortgage rates are rising
Last week, when the average 30-year fixed mortgage rate was 5.48%, a $200,000 loan would have carried a monthly payment of $1,133.07, according to Bankrate.com. With the average rate now 5.70%, the monthly payment for the same size loan would be $1,160.80, a difference of nearly $28 per month.
In the USA the senates debate on the economic stimulus plan is due to conclude on Friday morning and it is expected that the funding requirement will be reduced to help the budget deficit.
For past year, small businesses made deep staffing cuts: Companies with 500 or fewer workers cut 430,000 positions in January, according to the latest ADP (ADP, Fortune 500) employment report, released Wednesday.
Small business employers are typically the last to cut jobs and the first to create them, which makes January's job-loss numbers a worrying omen for the rest of the year. Joel Prakken, chairman of ADP's research partner, Macroeconomics Advisers, doesn't expect improvement any time soon.
"We believe that for the first half of this year, the economy will continue to contract," he said. "There may be growth in the second half, but it will be sluggish."
Many small businesses are looking for ways to survive, but if their business product is not essential then the prospects are not good, a few are changing the way they work and seeking more customers or improving customers benefits.
Customers are the key to success, however until such time as some of the benefits of the financial stimulus plan produce money in customers pockets the future look bleak.
Generally speaking employees in small businesses are more flexible about the work they do and many are multi skilled and these are the kind of people who take matters into their own hands when redundancy threatens and set up their own business.
The word retirement is not something of much concern when people are young. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes, is a dream and with proper planning that can become a reality.
All the financial upheaval at the moment is taking us back to the time when retirement did not exist, people worked until they died. Relying on state benefits and retirement plans can be seen not to be wise, ask anyone who has a 401(k) plan about their retirement plans now and their dream has been taken away.
If you are serious about retiring you need to start planning early to create wealth. Little things such as buying groceries from the supermarket instead of the local convenience store since items are much cheaper there. A person can also buy generic stuff instead of designer products that are of equal quality. The money saved is a start and in time, can go a long way due to compounding.
The best way to plan to retire in ten years, is to have full control of your wealth creation process and one way to do this is to run your own business and take full control of the situation. There are markets and opportunities out there which will allow you to retire in ten years, and they do not rely on stock or shares or insurance policies to fund your retirement.
The ideal plan to retire in ten years is to reinvest all income back into your business for a period of ten years and over that period of time the compound affect can then provide you with an ongoing monthly income from your business.
You need to be strong willed to reach you goal to retire in ten years, most people fail because they would rather spend the profit rather than feed it back into their business.
The question is do you have the belief that you can retire in ten years, if so please feel free to contact me.
What are the advantages of delaying retirement.
How working a few extra years can greatly effect you life in retirement
Avoids reductions in social security benefits
you can keep you 401(k) or other retirement plan growing, giving them time to regain recent losses.
It shortens your time in retirement.
At the moment the average American retires at 63 and with experts suggesting working four extra years will give time for retirement funds to recover somewhat that would mean retiring at 67.
This might not be an option for everyone as ill health can cause problems when you are older and at the moment many people are facing the possibility of losing their job.
On the other hand an older person has developed many skill and knows how to do the job, so that when time are hard this is the type of person a company will retain.
The key is to retain your job as once you are unemployed it will be very difficult to find another job that pays the same.
If you are forced to retire early you need to seek out other ways of bringing in more money, and one of these is to start a home business.
Interest rates in the UK are expected to fall again this week as a measure to bolster the failing economy. The spectre of Deflation is looming in the background.
Howard Archer, chief UK and European economist at IHS Global Insight, said the Bank was "under severe pressure" to cut rates by another half percentage point.
"With GDP suffering its largest drop for nearly 30 years in the fourth quarter of 2008, latest data and survey evidence largely reinforcing belief that the economy is poised to suffer in 2009 the largest single year contraction since the Second World War, credit conditions remaining extremely tight, and a period of deflation highly possible in the second half of this year, the pressure on the Bank of England to act is intense," he said.
The USA is little better of having already reduced rates and awaits the approval of the financial stimulus plan later this month
A very gloomy end of the week for AARP member, who might not be effected by the massive job losses at Boeing Chicago, but will certainly be taking notice that the stock markets have had their worst January ever.
The Dow lost 8.8% in the month, putting it on track to close out its worst January since 1978, when it fell 7.4%. The S&P 500 lost 8.6% according to early tallies.
The Nasals's loss of 6.4% was eclipsed by last January's loss of 9.9%. That 2008 loss was the worst in the tech average's history, going back to its inception in 1971.
Last year saw 2.9 Million job losses and this years forecast is for a further 2.0 Million so the next few months will be critical. Japan has announced some 27,000 thousand job losses, in electronics and car industries and in the UK Honda is closing its car plant for four months.
Many AARP members are looking a the Internet as a way to earn extra money and groups such as
Tomorrows Home Business can show you how to build a substantial fund over a ten year period.
The was good and bad news announced yesterday as the USA economic revival plan passing it first stage, now it is up to the Senate to have their say next week before both houses meet to debate the final details. the news saw stock around the world move upward.
The IMF however put out a warning that world growth this year would fall to 0.5 percent from 3.4 percent in 2008 despite the action taken by countries to boost spending.
It said plummeting asset values, decreasing household wealth and sinking demand would result in the first contraction of advanced economies' GDP since World War II.
There was also news in the UK of retail giant Dadas's plans to create 7,000 jobs but then the core business is food stores which are an essential market during recession.
Many AARP members are looking a the Internet as a way to earn extra money and groups such as
Tomorrows Home Business can show you how to build a substantial fund over a ten year period.
Today the House of Representatives vote on the Economic Recovery Package and members of AARP wave been writing letters to their representatives to support the package, this was a typical letter
Dear [Decision Maker],
Please personalize your message
As an AARP member, I urge you to pass the strong, comprehensive economic recovery package that will reach the House floor this week. This legislation would directly address the most immediate and day-to-day needs of the Americans who most need relief.
In particular, I am very pleased that the current legislation includes crucial funding for state health and long-term care programs, improvements in health care - such as health information technology, health care effectiveness research, and nurse and primary care training, affordable health insurance options for those who lost health coverage along with jobs; funding to help those who have lost employment; and needed money for the Social Security Administration.
Because older Americans have been particularly hard hit by the economic crisis, I urge you to support the House legislation to help with our economic recovery. I also urge that any final package also include a direct payment to the over 25 million individuals 65 and older who no longer work and cannot benefit from the worker tax credit, as well as stronger protections for home and community based services.
The gravity of the economic crisis requires urgent action - the House package will help provide much-needed relief to millions across the country.
Sincerely,
[Your Name]
[Your Address]
[City, State ZIP]
Now we have to await and see if the AARP lobby has been successful, if it fails then perhaps AARP Members will have take matters into their own hand and consider starting a home based business to create an additional income stream. Tomorrows Home Business can show you how to build a substantial retire fund in ten years.
Now that the Obama has taken over the reins companies across the USA have started to announce massive job cuts in order to survive.
Caterpillar, a Dow component, said it will cut 20,000 jobs, or 10% of its workforce due to the impact of the rough economic environment. Caterpillar also reported that fourth-quarter earnings tumbled 32% from a year ago. Caterpillar (CAT, Fortune 500) shares lost 8.4%.
Home Depot (HD, Fortune 500) said it was eliminating 7,000 jobs as a result of closing its high-end EXPO business and cutting its support staff. Shares gained 4.7%.
Sprint Nextel (S, Fortune 500) said it will cut up to 8,000 jobs in the first quarter and take a charge of more than $300 million, as it contends with the sluggish economy. Shares gained 1.2%.
Now these are the the big ones, elsewhere reports are coming out of salary reductions and laying of of full time workers, so what does this mean to AARP members many of whom have taken up jobs to help meet their costs in retirement.
Times are going to be hard for the foreseeable future and its no use members of AARP looking to others or relying on working for someone else to make a living. The time is ripe to work for yourself and their are many opportunities available. you just need to find one that suits you. be it earning commissions from sales, or delivering items door to door.
Many AARP members are looking a the Internet as a way to earn extra money and groups such as
Tomorrows Home Business can show you how to build a substantial fund over a ten year period.
Planning to retire soon, or a distant someday? If you’re discouraged about the prospects of retiring, you’re not alone: Only 18% of workers are very confident about retirement, according to the Employee Benefit Research Institute.
With all the economic gloom-and-doom you hear these days, no wonder so many people feel uneasy. Your best bet? Make sure you have a solid retirement plan – starting today so that you can retire in ten years.
calculate your retirement savings
The first step is to calculate your retirement savings. Ask yourself these questions:
How much do I have?
How much will I need to retire in tens years and live comfortably? (Be sure to include healthcare costs)
How much time do I have to create a nice nest egg?
Where will the money come from?
Social Security (go to ssa.gov for an online benefits calculator)
Pension(s)
Investments
The Employee Benefit Research Institute survey found that when people calculated their retirement savings, it had a strong effect on their behaviour: 44% changed their retirement planning strategy and 59% started saving and/or
investing more.
Work longer
Many people of retirement age are finding that they must work longer than they had originally expected. Sometimes working a few extra years can make a huge difference when it comes to retirement funds. If you have to continue working to retire in ten years, there are some steps you can take to maximize your money:
Contribute the maximum amount to Individual Retirement Accounts (IRAs)
Contribute the maximum amount to your employer-retirement plan (if you’re
no longer working, you can roll over your 401(k) to an IRA)
Try to keep at least three months’ expenses in a savings or similar account.
Seek expert advice
When it comes to financial planning, most of us could use some expert advice. And because life expectancy keeps increasing, seniors are finding themselves retired much longer than previous generations. This means the retirement plans of yesterday won’t work for today – or tomorrow. Be sure you’re prepared for this extended phase of life by consulting a financial planner (check
credentials before hiring anyone). He or she will be able to assess your specific situation and offer the best suggestions to fit your needs.
Whether you plan your own retirement strategy or seek expert advice, the important thing is to plan. Take steps today so you’ll be retirement ready
tomorrow.
Are You ready to retire in ten years?
Planning is the name of the game
Employment in the retirement age
Are you 50+ and looking for a job?
Visit these web sites to find job postings, career advice and helpful
job-search tools.
http://aarp.org http://workforce50.com http://retirementjobs.com http://seniors4hire.com
Or start a home business which can help you >retire in ten years.
Tomorrows Home Business has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required income. You are invited to attend a live presentation every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance news is all bad at the moment. The UK is continuing to see the decline in Sterling. Singapore and Malaysia are introducing new stimulus packages to support local business. Car maker Proton is seeing a fall in export orders. Stocks in the USA are tumbling with even Google reporting income down 68%.
So just where does this leave members of AARP, many are considering delaying their retirement, others are moving to safer investments such as certificates of deposit and money market funds, particularly those that invest in Treasury bills. But there’s a tradeoff. The safest investments usually produce the lowest returns. Buying annuities—or charitable gift annuities from a charity or university, which come with tax breaks—may be an alternative for investors like you who are seeking to reduce their stock exposure and who want an income stream for life.
Rather than delay your retirement you as a memebr of AARP you could consider starting a home based business to create an additional income stream to allow you to stick to your planned retirement date. Tomorrows Home Business can show you how to build a substantial retire fund in ten years.
You need to plan for how long you Expect to Live. While no one can plan how long they'll live, there are several ways to make an educated guess. Factors such as family history, personal health, and lifestyle will affect your estimated longevity. Some of your later years may not be as active as your early ones, but they might be just as expensive thanks to medical costs. These are important factors in planning for how long your retirement next egg needs to last.
Social Security Decisions
Many people don't realize that the earliest you can start receiving Social Security is age 62. If you choose to draw benefits at 62, you will only receive 80 percent of what you would if you waited until your "normal" retirement age.
And many people don't realize that the "normal" retirement age for Social Security is no longer 65. It is gradually moving up to age 67. If you wait until age 70, your monthly benefits will be even higher.
Some choose to defer their Social Security benefits for as long as possible to increase the monthly benefits. Others start at age 62 even though the benefits are less. Why? Because they get almost three years of extra payments that they then invest.
One other factor to bear in mind is that social security payments are funded by the present workforce to pay current retirees, as a result of baby boomers there will be more people retired than people working so the future might change.
The Inflation Factor
Like predicting how long you'll live, trying to anticipate inflation over the next 20, 30, or even 40 years isn't an exact science. But what may look like a hefty retirement account now may shrink substantially down the road because of inflation. At the moment inflation is low but is will soon rise again.
For example, let's assume that inflation increases at 3 percent a year. If you retire at age 60 on a yearly income of $40,000, you'll need $72,000 by the time you're 80 to maintain your standard of living. At age 85, or 25 years after you retire, you'll need $83,800.
If you are looking for a home business which can help you >retire in ten years, then I recommend Tomorrows Home Business which has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success. (read more)
Retire In Ten Years
AAR
AARP Retire in Ten Years is this possible or a mere pipe dream ?
I belive that anyone can retire in ten years ,but it take planning belief in in your goal and a vehicle to get you there. Now at this moment we must exclude stock and shares due to the current financial crisis. so how else can we create wealth.
working for a wage will never allow you to retire in ten years, no matter how many jobs you have. So what you need is a way to get your money working by starting your own business. A time of recession is in fact a time when many new profitable businesses are formed.
What kind of business can you start now which would allow you to retire in ten years. A business which provides essential daily products like food, or the health and wellness industry, because Americans have been brought up on a culture of popping pills to make oneself look and feel good.
Ok So now you have a business idea the next point is to plough all profit back into the business. Reinvestment in a business is what makes it grow and to be honest if you do not reinvest your business will not grow.
The next step is to reduce any debt you may have. If you have loans swap to a provider with lower interest rates. Stop using your credit cards and or look for banks which offer zero % interest holidays for balance transfers and the lowest rate.
The third step to enable you to retire in ten years is to ensure that any investments you have a working for you, if you have 401(k) plans if the risk spread to cover the present financial situation.
The final step concerns your lifestyle, you need where possible to reduce spending on non essentials such as holidays, gadgets for the home, replacing you car etc. the less you spend here while you are trying to retire in ten years, the more likely you will succeed, and you will also be able to enjoy future wealth and these accoutrements later.
If you are looking for a home business which can help you >retire in ten years, then I recommend Tomorrows Home Business which has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
David Ogden TriVita Independent Business Affiliate 13142173
Phone 1-386-308-1956
Skype Seadogs11 How to Retire In 10 Years Web Prosperity Review
P
Retire in Ten Years is this possible or a mere pipe dream ?
I belive that anyone can retire in ten years ,but it take planning belief in in your goal and a vehicle to get you there. Now at this moment we must exclude stock and shares due to the current financial crisis. so how else can we create wealth.
working for a wage will never allow you to retire in ten years, no matter how many jobs you have. So what you need is a way to get your money working by starting your own business. A time of recession is in fact a time when many new profitable businesses are formed.
What kind of business can you start now which would allow you to retire in ten years. A business which provides essential daily products like food, or the health and wellness industry, because Americans have been brought up on a culture of popping pills to make oneself look and feel good.
Ok So now you have a business idea the next point is to plough all profit back into the business. Reinvestment in a business is what makes it grow and to be honest if you do not reinvest your business will not grow.
The next step is to reduce any debt you may have. If you have loans swap to a provider with lower interest rates. Stop using your credit cards and or look for banks which offer zero % interest holidays for balance transfers and the lowest rate.
The third step to enable you to retire in ten years is to ensure that any investments you have a working for you, if you have 401(k) plans if the risk spread to cover the present financial situation.
The final step concerns your lifestyle, you need where possible to reduce spending on non essentials such as holidays, gadgets for the home, replacing you car etc. the less you spend here while you are trying to retire in ten years, the more likely you will succeed, and you will also be able to enjoy future wealth and these accoutrements later.
If you are looking for a home business which can help you >retire in ten years, then I recommend Tomorrows Home Business which has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
David Ogden
TriVita Independent Business Affiliate 13142173
Phone 1-386-308-1956
Skype Seadogs11
How to Retire In 10 Years
Web Prosperity Review (read more)
AARP
AARP - Retirement Issues
Is your Pension safe.
The current financial crisis is having a knock on effect on pensions paid when you retire. Pension funds are invested in the market and if the market falls so does the value of pension funds.
Most pension funds were is surplus prior to last year, so there was no cause for concern, however now the situation has changed. for example
According to Mercer, a consulting firm, the stock market turmoil of the past year has left corporate pension plans at the largest companies under funded by $409 billion. At the end of 2007, those plans had a $60 billion surplus.
So What is the risk to your retirement pension if it is under funded, well a company has a few choices it can pump more money into the retirement fund to make up the shortfall or modify the plan benefits.
The problems with both state and company pensions is the "Baby Boomers" there are more people retired than there are contributing to a pension. this could cause a company to shut down it retirement plan. If a company shuts down its plan and the Pension Benefit Guaranty Corp agree to take it over. some Pensions would be reduced as they only guarantee the first 54,000 of annual pension benefits for workers who retired at age 65. Those who retired at an earlier age would get less. Those who retired at a later age would get more. For example, if you retired at 62, you would receive up to $42,660. they also do not guarantee the previous five years increases.
Some People may need to consider going back to work or starting a second job to maintain there lifestyle in retirement. One option to consider is set up a home business to make up the shortfall.
If you do not have enough money yet I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
Currently the average retirement age in the USA is the early 60's, retiring earlier than this is going to need lots of money, perhaps 1/3 of your income so the first thing you need top do is work out your budget and then track spending
Government figures show that people earning less than £50,000 a year spend more than they earn. So It time to see where you are wasting money, as a first step put aside 10% of your income for emergencies. If you get a pay rise put the additional amount aside to start building your pension, rather than spending it.
It is helpful is you can use a computer software such as Money or quick to help analyse your spending and plan on how much you will need when you retire and you can quickly group expenses as necessary or discretionary items like holiday are discretionary.
Once you budget is complete you can start to analyse where the funds for your to retire early will come from. One method to curb spending is to throw away your credit cards and only use cash that way you will not be tempted to purchase items that you cannot afford.
Cutting cost is easier than you think on groceries use local supermarket rather than branded goods. Turn down your heating or air con to reduce energy costs. Interest rates are at all time lows at the moment so make sure you are getting the lowest rates on any loans or mortgages. If you own money on credit cards move to card which gives you an interest holiday on transferred balances.
Finally get the money you are saving working for you so that you can retire, one way of doing this is to set up a home business to build a second income stream.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
What will it cost to retire in ten years for someone who is now 30?
Lets play around with some figures for someone in California
Part 1.If you own a house you might have a problem so I will assume you rent a house
Part #2: Estimate remaining expenses
Things now simplify greatly. What else do you need to pay for in retirement? This is for two people, children will increase some items. I will ignore scary things like college tuition. All costs are monthly with some padding.
Food, both groceries and dining out: $600
Communications + Utilities: $350
Gas, not much need if retired: $200
Transportation, amortized cost of one car: $150
Housing rental: $2,200
Clothing, Entertainment, Travel: $250
Healthcare: ???
Total without healthcare: $45,000 per year.
So how much will health insurance cost? This is a huge unknown. if you are relatively healthy now, but who knows. Let’s say you get an individual high-deductible health plan for $100/month per person and get cancer (knock on wood). Can the insurer drop you or raise rates? I don’t know the answer, but I’m guessing they can at least raise rates at some point.
It’s possible that within the next decade we will have some form of universal healthcare system. If not, you may need to investigate ways to get on a group plan somehow. I will put in a wild guess of $8,000 per year.
Total with healthcare: $53,000 per year (after-taxes)
Part #3: Set up portfolio to retire in ten years produce this income
Using current tax brackets, you will have to pay very little income tax to achieve an after-tax income of $53,000 per year. For federal taxes, the first ~$18,000 is not taxed at all, and the rest would be taxed at 10% (married filing jointly). That’s an overall tax rate of less than 5%. assume no other pensions or other annuities, just maybe Social Security down the road.
(Side note: If you have no other income from sources like pensions or annuities, this means you should lean towards contributing to Traditional IRAs and 401(k)s exclusively right now instead of Roth’s since your tax rate in retirement should be very low - much lower than you might have guessed before.)
Anyhow, if we use a 4% withdrawal rate, you would need $1,400,000 in today’s dollars. Estimating returns at 4% annually, with inflation at 2%. Saving goal would be $1,400,000 in 10 years, you would have to save $10,000 per month for 10 years,
Bottom Line
You need to find a better paying job and or move somewhere cheaper to live. But there is another alternative a home based business opportunity here you could retire in ten years as it could produce an annual income of around $55,000 per month and the monthly outlay is around $1,250 per month
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
Web Prosperity forced to take action as pre launch sign ups bail out.
Web Prosperity was promoted as the new business launch of 2009, however once the software was revealed prospective customers began to see the reality. The Tools are overpriced, after all the software cost less than $2,000 yet users are charged a month fee $30-60 and the functionality is still be worked on.
Yesterday I spent some time in the Web Prosperity conference room/ meeting room trying to find out why it did not work in Internet Explorer and ended up having to use Firefox. The room is a bit bland and has no recording facility, so you cannot save interesting presentation, if you want to see what it looks live click here
This morning it was announced that Web Prosperity meeting now works in Internet Explorer and the programmers are now working hard to upgrade the mailing system, because when it was launched it could only be used to mail down lines and not for general marketing due to spamming issues.
In my mind it seems clear that web Prosperity was launched to make a quick buck for the founding members and owners and if you look at the alexa traffic there was quite a lot of activity prior to the opening of the pre launch on 25th December this allowed David D’Arcangelo's friends to sign up at the top of the matrix where they will make the money. The lesser mortals amongst us will be further down the 2*15 matrix and if you join at level 6 (your are the 126 member)on the matrix it is going to mean you have to get 65 million people to fill your matrix.
People are coming to the realisation that Web Prosperity is a master scam and with the alexa ranking beginning to drop like a stone many members are thinking its time to abandon ship.
I know for a fact that David D’Arcangelo is worried now that people have seen his ruse and is wondering how many people will be demanding a refund before the Web Prosperity 15 day day cooling off period ends.
David Ogden Web Prosperity Review(read more)
A Rich Retirment
AARP Finance
It’s been 11 years since the publication of Rich Dad Poor Dad. Robert Kiyosaki’s mega-hit best seller. Kiyosaki wasn’t looking to write just any financial book. There were hundreds of financial books, in his view, that said the same thing. He wanted to let the education system know it was failing in teaching children what they need for financial success. He wanted to shake up parents by telling them some of the most dangerous advice they could give their children was to go to school, get good grades and look for a safe secure job, until retirement.
This advice was based on the old rules of money when people worked for one company for 30 years and retired with a fat pension. Those days are long gone. With corporate mergers and downsizing happening every month, Robert Kiyosaki says it’s just too risky to play by the old rules. In the end, employees lose and owners and investors win.
Rich Dad Poor Dad has been on all the best-seller lists for years and Robert retired in 1999. Robert's wife Kim has written a best seller, Rich Woman, and Robert has written several others, including Why We Want You to Be Rich with Donald Trump. “Donald has really inspired me. You know, I’m just an ordinary millionaire, and now I’m inspired to reach his billionaire status.” Robert says.
Assets Don’t Make You Rich
Robert Kiyosaki knows well that his success is partly due to his going against conventional wisdom. “When I wrote Rich Dad Poor Dad I told people that your home is not an asset,” he says. “People really criticized me for saying that, but if you look at what is happening today with the mortgage crisis, families are getting wiped out because they can’t afford their house payments.” Experts are saying that in 2009 up to 2 million people will lose their homes. “These are good people—but people who lack the financial education to make good money choices.”
Robert defines financial intelligence this way: If you put money in your savings account, the bank is going to pay you 3 percent. But the problem is inflation is running at 3 percent so your financial intelligence is 0.
“You can lose money on anything,” says Robert, who as a young adult began investing in gold. Although he didn’t make much money, gold taught him many priceless lessons. He realized it’s not the assets—real estate, stocks, mutual funds, businesses or money—that make you rich. It’s the information, knowledge, wisdom, and know-how—one’s financial intelligence—that makes a person wealthy.
Increase Wealth: Start a Business to help you in Retirement
With companies downsizing, the failing dollar and higher cost of living, many families feel the pinch. “The need to earn more money has never been greater than right now,” Robert says. For many, he says, “the No. 1 thing people can do to increase their wealth is to start a part-time business. They can start a small home-based business, an Internet company or network marketing business. The key is to start small and learn everything about the business.”
Most people have enough financial intelligence to make money, Robert says. One reason they aren’t able to make more money is because they fail to realize “it’s the process that makes them rich, not the money. Many other people fail to become rich because they value a steady paycheck rather than going through the learning process of becoming financially smarter and richer. They are held back by the fear of being poor,” he says.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
Are you worried about retirement, no matter what your age you need to start planning. Most people are only setting aside 5% of their earning to cover retirement, which will mean they will be poor when they retire.
A few people who have the foresight will be able to retire on the same amount of money they are presently earning. The suggested target for retirement is 80% of your current salary but there are few plans which will provide this figure unless you increase your savings to around 15%, the later you leave it the more you have to invest each month, due to compounding.
Of chouse with interest rates so low at the moment and expected to remain low for the for seeable future you need to look outside the box to work out how to build an income for retirement.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
The current financial situation is of great concern to those seeking to retire, for those with 401(k) retirement plans, they have seen a large loss in value and it raises the question can they afford to retire.
Many other people nearing retirement age are struggling to payback loans on their houses often where the value of their loan now exceeds the value of their house.
People have always been advised to put as much money as possible towards retirement, but few have bothered, rather than save for the future they have spent it now and it is one of the reasons that having money in retirement will be difficult.
It is essential that people think about retirement at an early age, when a small amount of regular savings can grow in to a large sum thanks to compound interest.
People are living longer and as a result more money is need to cover retirement costs. Most peoples income drops when they retire, but it need not be that way, with proper planning you can earn more when you retire.
Although I have already retired, I am using a ten year retirement plan which will boost my income when I am seventy, but you need not wait until you are my age You can start a business now and retire in 10 years.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
Do You Dream about how you are going to live when you retire, or is it your worst nightmare?
Retirement marks the time in life when you have the freedom to do whatever you want whenever you want, no more being tied to desk from 9-5. Some people take up new hobbies, others travel and some just relax and enjoy the world around them.
There is one problem with retirement generally you are too old to enjoy some of life's pleasures, but its need not be that way. I actually retired 15 years early. Some people however are not so lucky and have to work even in retirement, in order to retain their lifestyle.
Is it luck or is it planning that enables people to retire early?
I believe it is planning. I believe with correct life plan and hard work anyone can retire in ten years from now, no matter what their age. The only problem is generating sufficient wealth to meet to meet your retirement needs.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
A study of past banking crises by US economists Carmen Reinhart and Kenneth Rogoff shows what we can expect in this period of recession. Based on past events, output will drop for two years by 9% in total, house prices by more than a third over six years and shares by more than half for three-and-a-half years. Unemployment will jump by seven percentage points over four years.
This does not auger well from those that wish to retire, however this is the time that entrepreneurs find new ways of making money. Core Industries such health and wellness, oil and public services will continue to grow and so become the place to invest.
One private company bucking the trend is linked with Tomorrows Home Business who's members are working on business plans/models which will allow people to retire in as little as ten years and at this time the performance is better than traditional retirement plans
The New year has brought out the usual mass of new business launches, but what amazes me is the fact that 95% of them will fail to get off the ground, a few people will make some money, the rest will lose their money.
If you are looking to join a new opportunity you had best stick to joining an established business, rather than a new start. Many Internet businesses have shut down because they could not deliver on their promises and now that money is tight you need to ensure you join the right business.
My advice is to look for long term growth rather than short term cash. Follow good business practice and reinvest your returns into your business. treat it the same as a retirement plan or with a profits insurance policy and you will be amazed at how your money will grow.
TriVita - Tomorrows Home Business has a business plan which will build a substantial retirement income in ten years and I suggest you take a look at it is you are serious about making money online.
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Final Key to Wealth is Reciprocity.
Reciprocity is defined as "when you give a valuable service or gift to others, You will be repaid or rewarded for what you provided.
For reciprocity to work the recipient must benefit and perceive the value of the product or service.
You can increase the flow of return by allowing more people to benefit in a plosive way.
If you attempt to manipulate the law of reciprocity by sharing something of no value to the receiver you will fail
If you put your trust in the laws of reciprocity and give freely to others you generosity will be rewarded and repaid and your endeavours will prosper, help people help themselves.
If you have enjoyed the short introductions to the 10 keys to create wealth you can get a free copy when you join TriVita or else you can click here to purchase in our shop
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Ninth Key to Wealth is Setting Goals.
Goals, you cannot run a successful business without a series of goals. Goals are needed to determine how your business is performing and need to be reviewed on a regalia basis.
Once you have a goal in place it is rarely changed, however how you plan to reach your goal may need to be modified, which is why a regular review will be required.
Your plans may include a number of minor goals leading to your major goals and these enable a quick performance check or feedback, if you fail to meet one of these intermediate goals your plans will need modifying.
Goals need to be written down in order to have a reference point and should have a time frame with in which they should be reached. you can have many different goals,financial goals, material goals, spiritual goals etc to help map out your life and your aims.
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Seventh Key to Wealth is Compounding.
The power of compounding is a key that is taught in school, do you remember being taught compound interest in mathematics?
Compounding is when you invest a sum of money and leave it to earn interest which you them reinvest.
Compounding can make everyone a millionaire and here is how, invest 1$ a day
at 15% interest and with compounding you will be a millionaire 42 years later, its a simple as that
People often say the rich get richer and the poor get poorer and one reason is the power of compounding. Some people buy stocks and then spend the dividends or else have savings account and spend the interest, but if they reinvested this money the value would grow exponentially.
The current financial crisis in the USA and elsewhere came about by people borrowing against the value of their assets and spending the capital gained rather than reinvesting it. It the usually story everyone wants money now, they do not have the patience to wait.
The earlier you take action compounding the less it will cost you. For example a person invests $1,000 in a retirement fund for seven years at 10% return. He then tells a friend who follows his example investing 1,000 a year for 31 years. when they retire on the same date their pension funds are both $200,000 ,however the first person only invested 7,000 and the friend spent a further $24,000!
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Sixth Key to Wealth is Systems.
Systems provide efficiency and hence save time and money, for example Ray Kroc devised a system for providing fast food McDonalds, but not only that he also put in place systems to ensure quality standards.
Here are six systems to help grow your business.
Evaluation System - examine how you spent your time yesterday and plan for improvements instead of starting with a new list of things to do.
Communications system - You need to have an efficient method of contacting customers, a mailing system combined with telephone and e=mail response.
Training system- As you business grows you will need to have a system for helping and training other business affiliates.
Retrieval System - you need a system which can provide key statistics about the state of your business. Can you develop or improve your existing system.
Storage system- you need to store vast amounts of business information sometime hard copy records or else data about transactions
Tracking system- you need to set up a tracking system to keep you updated with your business plans
Now TriVita has put in place some of these systems, such as training and has databases providing information about your customers and their purchases, together with some basic mailing systems, so you only need to concentrate on setting up an Evaluation and integrate a tracking system
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The fifth Key to Wealth is structure.
Structure is a essential key to any wealth building plan and is necessary to protect your assets derived from your income streams. the first step is to analyse your financial situation and keep a track on you net worth.
Once you know your net worth you need to ensure you have a number of legal instruments to protect your estate, such as will, a medical power of attorney and living will, revocable living trust, irrevocable insurance trust and a family limited partnership. these instrument will protect you estate and help reduce any tax burden.
There are also four financial structures you need to consider, a retirement fund, Titled assets such as real estate, setting up a corporation and life insurance. these structures will overtime increase in value and ensure that your wealth can be passed on to the next generation.
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The fourth Key to Wealth is income stream.
You have heard many people talk about the importance of income streams, which can fall into one of three categories.
Personal Compensation - the most common type of income if you have a job, you are paid for what you do, this income is limited by your skills and knowledge and the fact there are only 24 hours in a day.
Hiring People - getting people to work for you can provide you will with additional income streams, but once again income derived id limited by the hours in a day
Residual Income - the only true way to build wealth, for example if you have a product or services which can be sold or used by many people time and time again, and on which you can earn a commission this will provide unlimited income.
Multiple income streams can be likened to a number of small streams funned towards a dam, the outflow from which is concentrated to provide power. you could easily cross each of the individual streams but would be swept away from the outlet of the dam.
Sometimes a particular income stream will fail, but provided you continue manage and replace them your income stream will grow exponentially.
TriVita's business model is based on multiple income streams, as both customers and business affiliates can earn commissions from introducing Trivita products to other people and business affiliates may purchase further customers to increase their residual income.
AARP Finance - As the year draws to a close stocks around the world are falling with day after day of bad news. Banks, Car Manufacturers, Home Owners and many large retail stores face an uncertain future and little is expected to change as the new year dawns.
AARP members are recommended wherever possible to reduce outstanding debts and to start living within their means. The few AARP members who are debt free are the lucky ones and are in the best position to be able to take advantage of market situations. The Majority need however to sit down over the holiday period and examine their finances.
Perhaps house owners with a large mortgage would be better to sell off and rent property instead of servicing a large debt. Use public transport rather than cars.
Spiraling credit was a root cause of the financial problems that beset AARP members. Credit cards are an expensive way of borrowing money, so it is important to pay off more than the minimum every month and if possible stop using a credit card and plan to replace it with a debit card once the balance has been paid off.
AARP members should seek out cards which offer zero percent on balance transfers which will help pay of thier dept earlier and avoid paying high interest rates.
AARP Finance - The upward trend of stocks continue, bolstered with the
news that a deal with the automobile manufactures is likely to go ahead provided their are changes in management who
caused the problems in the first place. The USA cannot afford to close the
plants down but will need to make them more efficient.
Around the world Governments are starting to consider public infastructer projects as a means of improving the world financial problems by increasing employment and providing work for construction companies.
Obama has now also confirmed he will continue with the tax cuts set up by Bush. Yes there are more bad statistics due out this week but it is likely that those figures have already taken into account.
AARP Finance - Once more interest rata around the world are falling as Governments seek to kick start their economies, so what does this mean for AARP members.
If you have loans it will be good news provided the lenders pass the savings on to you, so what are you going to do with the extra money. AARP members need to set up a strategy to start reducing debts that have the highest interest rates such as credit and store cards. Paying off more than the minimum each month and not using the card will save you money. A Cash Society will get you out of dept.
For many AARP members with savings on deposit a fall in interest rates is a bad, so you need to find ways of earning a higher return, find out which banks offer the better rates. Some AARP members are seeing both their cash and stocks falling in value and are beginning to look outside the box on how to protect their lifestyle. One way to do this is to start your own business. A home business offers many tax breaks and also for retired and semi retired members of AARP an interest to keep their minds active, rather than vegetating at home.
AARP Finance - It is no wonder that The USA Car Industry is in trouble, as The United Auto Workers have in place a Job Bank which guarantees laid off auto workers 95% of their base pay if they are laid off. The Union agreed yesterday to suspend this job Bank system at GM which is due to run out of money by the end of this month.
Job Loses are continuing to grow with Job cut announcements jumping to nearly 182,000 in November, up 61% from October and up a whopping 148% from a year ago.
Now is the time to for AARP members to buy stocks, although the market will still bounce up and down perhaps for a further month, but long term gains can be expected. It may take shares 3 years or more to replace lost paper value, but with stocks a low value there are good long term prospects.
For many Americans, working for one employer for your career once meant you would receive money in retirement for the rest of your life. Together with the guaranteed, lifetime benefit from Social Security, workers with a company pension knew that they would have retirement income no matter how long they lived. But more and more employers have stopped offering guaranteed pension benefits and instead offer savings plans, such as 401(k)s, that require workers to plan for their own retirement. Today, financial security and peace of mind in retirement is in jeopardy as many people find that they do not have the time to figure out how much they need to save or have questions about how to best manage their investments.
Even though people are optimistic about their ability to save for retirement, consider this:
Half of all private sector workers do not participate in an employer-sponsored retirement plan such as a 401(k).
People are living longer, requiring even more savings and good investing decisions to make money last a lifetime.
Financial services and products are often confusing or too complicated.
Getting good, unbiased financial guidance is often difficult.
Many people struggle to pay for basic household needs, health care or emergencies and build a nest egg at the same time.
More AARP Members need a way to save for their personal nest eggs before the government takes a bite out of their paychecks. Putting money in an employer-sponsored retirement plan with automatic payroll deduction, such as a 401(k), gives you an immediate tax deduction and you won't pay taxes on the investments in the account until you make withdrawals. Unfortunately, many Americans cannot get the tax benefits of saving because their employers don't offer automatic payroll deductions. Others never sign up for plans that are offered. The result is that too many people end up paying more taxes and not saving enough.
Every AARP Member should have a simple, effective, and easy to understand way to build their personal nest eggs. Businesses can make a difference by offering better retirement plans and savings incentives such as matching funds. Government can help by making it easier to save money tax-free and encourage more savings. And individuals must take responsibility by paying themselves first.
Redefining retirement
By 2010, 1 in 3 workers will be over the age of 50. There are 78 million Baby Boomers in America who are starting to move into their retirement years. However, this doesn't mean that all working boomers are going to leave the workplace.
The word 'retirement' doesn't mean what it used to. More and more people are working well past retirement age. In fact, 8 in 10 boomers say their idea of retirement involves some kind of work, whether part-time or full-time. They plan to work past age 65, and many plan to work well into their 70's.
Some boomers want to continue working, and others will need to. Some want to follow their passion, give back to society, and stay connected. For others, work will help them make ends meet and pay for health care.
Valuing experienced workers
AARP Members 50+ have a lot to contribute. They bring years of experience to the job. They offer valuable skills and loyalty. These employees have a strong work ethic, and they take work seriously.
And many employers 'get it.' They see the value in an experienced workforce. They want to hire and keep mature workers. That is why many companies are changing the workplace so they can take advantage of this great resource. Employers across the country are starting to offer options like flexible scheduling and job sharing, which can benefit all workers.
AARP Finance - Stocks tumbled yesterday as it become known that the USA has been in recession for over a year and this recession is likely to last another six months making it the worst since the 1930's.
Job losses continue to mount on a daily basis. A major decision about the future of GM is expected this week, but it is hard to see the government supporting a company which builds cars that the public do not want.
One of the few ways for AARP members to protect their lifestyle is to take matters into their own hands, many are resorting to garage sales or seeking to build online businesses to bolster their falling income from their retirement plans.
AARP Finance - Black Friday sales showed a higher than predicted levels about a 2.2% increase on previous years, however many retailer had worked hard to attract customers to spend more and perhaps once the bargains run out sales over the holiday period will fall.
In the UK retailers are expecting a slump in pre Christmas sales,
This week could prove important for AARP members, pundits are expecting stocks to fall, however bearing in mind the relatively good Black Friday results, Low price of oil and the fact that the week following Thanksgiving traditionally show gains, if these occur it could be that the optimism will start driving stocks up.
The car giants in the USA are once more going to plead there case for support and it will be interesting to see if any new information comes to light which might support their request for aid.
The UK government have now announced they have a 60% holding in Royal Bank of Scotland group following a failed share offer. The Bank was caught out with many sub prime loan defaults.
Around the country many AARP members are resorting to garage sales in order to raise cash to pay outstanding bills.
AARP Finance - Well Black Friday seemed to start of the sales season with a bang, however many people including AARP members were sticking to using lists of items they were searching for rather than impulse buying.
The stock markets around the world are on an upward trend and its a question on how long the trend will continue.
Many AARP member have seen 35% falls in the value of their 401(k) plans but it will be some time before these losses are made up. If your plans are showing heavier losses than this then you need to consider alternative investment strategies to bring in more money.
During times of recession many AARP members look for alternative ways to bring in more money, such as starting a home business or taking on part time jobs, however with increasing job loses the home business idea has a better chance of success.
AARP Finance - Black Friday might offer the biggest savings yet as retailers slash prices to capture sales at any price, however this could be their downfall. In the UK two popular retailers Woolworth and MFI are in trouble.
There is better news for AARP members as banks around the world are beginning to show signs of recovery after receiving government aid packages and becoming partly nationalised.
Stock markets are closed in the USA as AARP members celebrate Thanksgiving but around the world stocks are holding firm/
AARP Finance - Will Thanksgiving mark the turning point of the market.
Traditional stocks and share have always risen either during the week either side of Thanksgiving day, the question of AARP members lips is will this mark the start of a revival.
Citibank group is struggling to survive and may be up for sale. The automobile industry is struggling even with the price of oil falling and many jobs in associated businesses continue to be at risk.
AARP members need to take stock of the situation and those that have savings are seeing lower returns due to the fall in interest rates which are now hardly matching inflation. It is better at the moment to use some savings to pay off credit and loan account which have high rates of interest rather than keep the money in the bank.
Fannie May and Freddie Mac have both announced an armistice on foreclosures during the holiday period until January. "With this suspension, seriously delinquent borrowers may have an opportunity to avoid foreclosure and work out terms to stay in their homes," said Federal Housing Finance Agency director James B. Lockhart III, the regulator in charge of Fannie Mae and Freddie Mac.
This will provide a little bit of cheer for a few AARP members.
AARP Finance - "There are Americans showing up to work in the morning, only to have cleared out their desks by the afternoon. Retirees are watching their life savings disappear, and students are seeing their college dreams deferred. These Americans need help, and they need it now." President-elect Barack Obama said Saturday offered an outline of his economic recovery plan and jobs were the top priority.
The question on many AARP members is will it be too little too late. details of the plan are nor know but will include rebuilding infrastructure such as roads and bridges and building alternative energy resources for when oil prices rise again.
Like the financial market it will take time for the results to filter into the economy and in the meantime GM will probably go bankrupt at the the end of the year. Supporting British Leyland during the last financial crisis cost the UK taxpayers $900 million and still the company failed. so perhaps the big three in in the USA should be left to their own devices. One has to wait an see how this issue will affect AARP members.
AARP Finance - There is some slightly good news on the horizon as stock markets in Asia rise but it is a question if USA will once again bounce back.
The Rescue package for the automobile industry is on hold until early next year. Many AARP members are questioning the need to support private businesses that have been mismanaged. yes jobs will be lost, but why should inefficient businesses be allowed to continue at a cost to the tax payer.
A country can only do so much to support its industry unless you follow the communist model of controlling a country, and look how that fared. The USA is the land of the free so it is up to every person to make the best of it. Rather than become a nation living on handouts. There is a need to resolve one own problems.
There are still opportunities to earn money by working for ones self, take a leaf out of what wealthy people do, buy into an existing successful business and work at building a steady income stream for the future.
Avoid at all cost get rich quick scams and settle on building a business for the long term.
Become a TriVita International Business Owner with the Most Powerful Business Model on Google Today!
TriVita health and wellness business at present operates in the USA and Canada, however the business opportunity is available Internationally by setting up your own LLC and bank account in the USA.
TriVita Inc was formed some 9 years ago by Michael Ellison as a direct selling company producing health and wellness products. TriVita's flagship product is TriVita Sublingual B-12 B6 and Folic Acid.
TriVita is different to many other business opportunities because it handles all the advertising, including prime time TV, newspapers and mailing. TriVita also sends out catalogues and a monthly magazine to all its customers.
Because TriVita handles all the marketing,sales and deliveries, it saves you money.
TriVita Business Associates and Affiliates can share in TriVita's unique Media Acquisition Program (MAP) and purchase existing customers from TriVita to earn ongoing commission.
Not only can you earn money every time your customers purchase but TriVita continue to market to them as well.
I have personally never seen a business like this in ten years of working online. Initially you could only become a partner of the business if you lived in the USA and Canada, however now TriVita accept International members who set up a Limited Liability Company(LLC) in the USA. If you need help with this please contact me.
AARP Finance - Is America able to climb out of recession? Stocks have fallen to their lowest level in recent years and companies supporting the automotive Industry are in a dire position with the three largest car manufacturers depending on government money to bail them out.
Members of AARP will be pleased to learn that the price of oil continues to fall, however this does not bode well for the future as exploration and development cost remain hire and in fact many oil companies have put future field on hold as they will no recover their costs.
Alternative energy programs are also being put on hold as oil is once again relatively cheap so there is no rush to come up with energy saving projects.
There is talk of a major realignment of financial power with developing nations seeking to have a better say in World financial matters.
Uncertain times can often be good for AARP entrepreneurs who have a wish to protect themselves from the vagaries of the financial markets by starting their own business.
P>AARP Finance - Many retirees and those nearing retirement are reusing the day when they placed a large amount of their portfolio in Stock rather than bonds as stock shows little upward movement
the much touted $700 Billion rescue plan has not even scraped the surface in resolving the financial situation as jobs continue to be lost and houses repossessed.
Some AARP members have resorted to selling their houses in order to provide extra cash, but the question facing them is what to do with the cash lave it in the bank or else find a way of making money work for them.
Some resourceful members of AARP have started their own business to build additional income stream for retirement. but there are risks and one needs to exercise due diligence in order not to waste hard earned money.
AARP Finance - This week has started as last week ended, with more countries officially in recession, this time its Japan the second largest economy. Stock markets continue to slide around the world.
The G8 meeting in Washington agreed that more government spending will be required on a global basis to kick start the economy, but there will be a high price to pay in the future.
Closer to Home Citybank are predicting further job loses of around 50,000 on top of the 23,000 laid off in the last year, as its attempts to get its house in order.
The Gloomy news for AARP members is expected to continue for some time and is not good with winter approaching, which normally results in increased costs. Hopefully fuel costs will not rise again as at the moment production of oil is outreaching demand, but that could all change with a cold winter snap.
If AARP members are facing being laid off they may be able to negotiate with their employer, to reduce their hours by working part time or working from home on a contract basis.
New jobs are harder to come by for older AARP members and they need to perhaps think outside the box and follow up with different ideas for bringing money from another source.
AARP Finance - Is it worth borrowing money from your 401(k) fund.
Generally you need to keep the money in the plan until you reach age 59 ½. Withdraw any of it before then and you'll be hit with a bruising 10% early withdrawal penalty, on top of the regular income tax that is due on withdrawals from contribution plans.
There are exceptions that AARP members might consider. The IRS waives the 10% penalty for certain "hardship" withdrawals. Each plan's rules vary (check yours to be sure), but you may be able take money out of your retirement account penalty-free before age 59 ½ if you use it for:
Purchasing your first home Expenses
After the onset of a sudden disability
Higher education expenses (like college for your kids)
Payments you make to prevent eviction or foreclosure.Don't count on it, though
This money is locked up until retirement for a very good reason: If AARP members spend it now, they risk jeopardizing their financial security when you're older.
If AARP members can't get the money anywhere else, their best option is probably a loan. Many defined contribution plans allow AARP members to borrow against the amount in your account. You must repay the money to your account within a set period - usually a few years - or the loan is treated as a withdrawal, meaning you'll owe taxes and a 10% penalty on it.
There are three main drawbacks for AARP members to consider when taking out a loan. First, it reduces the money they have growing for their retirement years. Second, they have to pay interest on the amount they borrow - typically the prime rate plus one percentage point - though they do pay the interest to themselves. Third, AARP members must repay any outstanding loan within a few months if you are laid off or decide to change jobs.
AARP Finance - The USA economy is in chaos as more and more workers are being laid off, unemployment will probably rise to 8%. so what does this all mean to AARP members who are seeking way of earning extra money to cover their living costs.
>AARP members will find it very difficult to get part time or full time jobs as completion for work will increase. Labour Department data showed that the number of people requiring unemployment benefits for more than a week is also increasing, meaning that it is taking workers longer to find new employment. The figure jumped 65,000 to 3,897,000 for the week that ended Nov. 1. That is a 25-year high.
AARP 401(k) and other retirement funds will take some 5 years to provide get back to the level of return achieved before the crisis began.
AARP news from around the world shows that Germany is now officially in recession and oil is hovering around the $60 per barrel level as global oil demand is expected to fall.
My Advice to AARP members is to take your future in your own hands and join an established work at home business to supplement your own, do not join a newly launched business because that will incur high start up cost.
AARP Finance Starting DEC. 15, Fannie Mae and Freddie Mac, the mortgage finance giants now controlled by the federal government, will modify loans for borrowers who have missed three or more payments, own and occupy the home as a primary residence and have not yet filed for bankruptcy. More than a quarter of all delinquencies affect homeowners over the age of 50, according to AARP research.
Certainly AARP members in the USA are better off than their counterparts in the UK, where banks are now seeking to foreclose on loans where two payments have been missed and due to a recent high court ruling, using a little know law they can repossess property without going to court, so AARP members should beware.
Members of AARP who have subprime loans where the value of the loan exceeds the value of property will not got any help. The reason the US government stepped in to support banks such as Freddie May and Freddie Mac was due to their mismanagement of loans which started the ball rolling in the first place, so it is ironic that AARP member in severe financial difficulties are not being helped.
On a side note banks and credit card suppliers in the the UK are increasing their rates despite a recent drop in Base Lending rates and some have been slow to reduce their mortgage rates.
AARP Finance - NEW YORK (CNNMoney) -- The Bush administration on Tuesday unveiled a new program to modify mortgages and stabilize the battered real estate market, but the plan stops short of providing direct government financial help to at-risk homeowners.
The plan centres on Fannie Mae and Freddie Mac, which between them own or back about 31 million mortgages worth a combined $5 trillion and were the root cause of the financial situation. The federal government took over the firms in September due to mounting losses on their portfolios of mortgages.
Eligibility is determined by several factors: AARP Homeowners must be 90 days or more late in their mortgage payments, owe at least 90% of their home's current value, live in the home on which the mortgage was taken and have not filed for bankruptcy.
AARP mortgage payments would be adjusted through lower interest rates or longer repayment schedules with the goal of bringing payments below 38% of monthly household income. Interest rates could be lowered for five years and then raised to a predetermined level. Loan terms could be lengthened to 40 years.
Some AARP members in the UK could also be getting some good news soon as interest rates fall. A couple of lenders have mortgage rates fixed at points below the current bank rate so if the bank rate is cut again they could end up with a 0% mortgage.
We need to look back to 2006 when the property market began to decline and many people who had gambled on rising prices to pay off mortgages suddenly found themselves exposed. The banks had actively encouraged people to borrow more than they could repay, which is the reason so many banks have now failed.
The loss of faith in the banking sector spread quickly to the stock market this year and suddenly AARP members found their retirement funds had lost value
Those AARP members approaching retirement having to make the hard choice of delaying retirement or retiring on a smaller pension.
October and November have seen many companies laying off workers and quite often those laid off are the older workers, often AARP members who are on relatively large salaries as a result of pay rises in boom times, who can be replaced by cheaper labour.
So how can members of AARP improve their situation and get out of dept. They need to cut all unnecessary spending and use cash rather than credit and find additional sources of income with part time jobs or by setting up their own business.
AARP Finance - Why Enrol in a 401(k) Plan
Your 401(k) plan enables you to automatically take advantage of tax-deferred growth. With gradual elimination of most defined-benefit pension plans and great uncertainty around Social Security, saving for retirement on your own is increasingly critical.
How to Enrol in a 401(k) Plan
Although some companies automatically enrol employees in their 401(k) plans, you may need to complete a simple form to participate in your plan. You'll determine how much to save and select your investment options. Don't worry! The amount you save, the way you invest, and even your continued participation in the 401(k) plan are all decisions you can change at any time.
A 401(k) Plan is Employment-Related
You can only participate in a 401(k) plan if your employer allows you to do so. Your employer must both offer a plan and you must be eligible to participate. Therefore, you cannot set up a 401(k) plan on your own. (However, if you work, you can establish an Individual Retirement Account (IRA) privately. If you're self-employed, you'll have other retirement planning options as well.)
Contribution Percentages
The amount you save in your 401(k) plan is often called your contribution percentage. If your gross pay is $3,000 and you'd like to put $300 of each paycheck into your 401(k) plan, you'll need to indicate a contribution percentage of 10%, since 10% of $3,000 is $300.
Contribution Limits
For the year 2008, the most you can contribute to a 401(k) is $15,500. If you are 50 or over, you may contribute a total of $20,500. Your employer may further limit the amount you are eligible to contribute. Note that IRA contribution limits are completely separate.
Contribution Deadline
Unlike an IRA, there are no deadlines for contributions. However, the sooner you enrol, the sooner you can begin tax-deferred saving for your retirement.
Tax Deduction
Every regular 401(k) contribution immediately reduces your taxable income. For example, an individual in the 25% tax bracket who makes a $100 contribution to her 401(k) plan will immediately save $25 in taxes. (25% x $100). Although her 401(k) balance increases by the full amount of her $100 401(k) contribution, her paycheck only decreases by $75! Unfortunately, a 401(k) contribution does not reduce the amount you must pay in FICA and Medicare taxes.
Tax-Deferred Growth
Since the money in your 401(k) plan grows tax-deferred, you do not pay taxes on the earnings in the account. In fact, you do not even report the income to the IRS. It is not until you take your money out of the 401(k) plan, ideally during retirement, that you owe taxes.
Investing Your 401(k) Money
Investing your 401(k) money is critical to its long-term growth. Your investing strategy should change over time. The younger you are, the more aggressive your asset allocation should be, meaning increased ownership of stocks. As you near or enter retirement, your 401(k) balance should begin to reflect the reality that distributions are not too far away, and you should have a smaller share of your retirement money invested in stocks.
No Income Limitations
Unlike many other tax deductions and credits, eligibility to contribute to a 401(k) plan is not restricted by any maximum level of income.
Employer Matching Programs
Many employers provide matching contributions to their employees' 401(k) plans. In an employer matching program, the company puts money in the 401(k) plan of each individual who also contributes to their 401(k) plan. If you choose not to participate in your 401(k) plan, you typically forfeit this matching contribution. That's why not participating in a 401(k) plan up the level an employer matches is often called turning down free money.
Required Distributions
In most cases, you must begin to take money out of your 401(k) plan starting with the year after you reach 70 1/2. The required minimum distribution amount is determined by the Internal Revenue Service and is based on your life expectancy.
AARP Finance news is pretty gloomy these days sales figures are falling as the credit crunch hits customers pockets. Unemployment is increasing as companies start laying off staff and with thanksgiving and Christmas just around the corner it going to be a bleak time.
Just how AARP members will fare its hard to predict already some are cutting subscriptions for cable TV and phone services and switching to the Internet for free entertainment and communication.
The Internet can be a source of income for members of AARP some of whom already run their own online business. Yes you can make money on the Internet so long as you avoid the scams and get rich quick schemes. One business I recommend to AARP members is Tomorrows Home Business, because it is so simple to understand, easy to use and will after a period of 5-10 years be able to provide you with a monthly income for a relatively small initial outlay.
Many people in the USA are waiting for new incentives promised by Obama to materialise, however what ever changes he makes will take a year or more to start improving the situation, in the mean time its up to AARP to take action now to improve their lifestyle.
AARP Finance - The 401(k) retirement saving plans used by AARP members was formed 30 years ago and until recently was showing good returns for AARP member who could afford to invest in them.
Many AARP members benefited from match contributions from their employers, but a growing number of companies are now reducing or abandoning matching contributions, which will have a disastrous consequences for those AARP members who are nearing retirement.
Here are some examples of companies who have changed their contributions
Dollar Thrifty Automotive Group Inc saved themselves $1.8 million by suspending matching 6% contributions during fist six months of this year.
General Motors Corp suspended 4% matching contributions.
Frontier Airlines Holdings Inc - Spokeswoman Lindsey Purves said the company discontinued its match June 1 as part of its effort to cut costs as it works its way through Chapter 11 bankruptcy protection. Company put in 50 cents for each dollar employee contributed up to 10 percent of pay.
The double whammy of large loss of value in the 401(k) plans which will perhaps take 5 years or more to recover and the need to contribute more due to the loss of company contributions will result in AARP members needing to delay their retirement date because they cannot afford to retire.
Some AARP members are beginning to think outside the box and looking to set up home based businesses to circumnavigate the shortfall but even plans such as Tomorrows Home business take some years to produce sufficient money to retire on, there is no quick fix.
AARP Finance - The Bank of England today announced its single largest interest rate drop since 1981. The reduction of 1.5% was welcomed by the trade unions, Confederation of small businesses and the House builders Council.
Lloyds TSB announced that it will pass on the full amount of the rate cut
from 1 December. Other banks are set to follow suit. This follows rate cuts
in USA, Japan and Australia. It is also likely that other central banks will
announce reductions in the near future.
European Central bank cut rates by 0.5% and Korea is expected to announce a rate reduction tomorrow.
Stock markets around the world had a bad day however which indicates there is a no quick fix the the worlds financial woes.
If AARP members are looking for ways to increase their income, they perhaps need to take matters into their own hands and consider starting their own business or at least associate themselves with a business that is still making money.
Changes in administration following the election of Obama will affect how aid packages and financial rescue plans approved and in the pipeline will be implemented and it is expected that national dept will continue to increase as the USA still need to support companies and AARP home owners and it is perhaps this matter which is holding back a recover on the stock market.
Many AARP members like others around the world are in financial difficulties as a result of borrowing more than they can afford to pay back.
I can remember the days day when the maximum you could borrow for housing finance was 2.5 times the amount of you income, and to be honest that worked for me.
The problem now for the likes of AARP members is that that a town house in the 70's cost around $20,000 but is now valued at at $ 2 million and there is now way wages could have ever kept up.
All right now recommended borrowing for AARP members is between 25%-30% of the gross monthly household income says Lawrence Yun, chief economist for the National Association of Realtors in Washington. But some AARP members have taken out low cost start up finance which escalates over time and so are now needing to set aside 40-50 percent of their gross monthly income to cover housing costs.
AARP members are not alone around the world house prices increase faster than wages and many countries such as the UK have seen property prices crash leaving negative equity situations. Maybe speculators who drove the markets up will suffer losses but many other innocent AARP members will also suffer as well.
AARP Finance - It seems that if Obama and Democratic Congress win , all AARP middle and upper middle class retirement plans would be at risk, not just the "rich".
A 28% Gains tax on profit from ALL home sales.
How does this affect AARP members ? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect AARP members who are counting on the income from their homes as part of their retirement income.
DIVIDEND TAX
Increase from 15% to 39.6%
How will this affect you as a member of AARP. If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes when Obama become president. The experts predict that 'higher tax rates on dividends and capital gains would cause the stock market to fall again and delay long term recovery.
Increased tax rate for home sales - would be detrimental for those AARP members downsizing and planning to use proceeds for retirement and other purposes.
Energy use and consumption taxes such as for homes over 2400 square feet and on all fuel. Well intentioned, but definitely would fall heaviest on those less able to decrease their energy usage through higher efficiency appliance purchase or AARP members having less disposable income.
AARP Finance - Now is the time to start buying stocks according to experts.
"If you buy now and wake up in 10 years, you'll probably get a return around the historic average," said Yale economist Robert Shiller. In the near term, however, Shiller - who correctly predicted the implosion of the stock-market and real-estate bubbles - is more cautious. "There is a substantial risk that with all this economic turmoil, stocks will fall far lower," he warned.
The key information for AARP members is to look long term. Many stocks have good Price over Earnings ratios or earnings yield of 15.7 which is good for a long term profitable return.
Research by economist and hedge fund manager Cliff Asness shows that buying in at a P/E usually leads to poor returns, while grabbing stocks at a low P/E - less than 16 is a reliable route to riches.
Members of AARP will find that they will get around a 9% return when adjusted for inflation, which is better that the last 10 years average, however to get this level of return you will also need a dividend yield of 4.5%.
An alternative way of earning a good return is for AARP members to set up a home based business using a model/plan developed by Economist Dr Raymond Jewel at Tomorrows home business who holds weekly online presentations at http://www.tomorrowshomebusiness.com/Conference_Room.html
AARP Health offers information on many diverse health subjects such as the following advice on screening tests: What You Need and When.
Health experts from the U.S. Preventive Services Task Force have made these recommendations, based on scientific evidence, about which screening tests you need and when to get them.
Abdominal Aortic Aneurysm. If you are between the ages of 65 and 75 and have ever been a smoker, talk with your doctor about being screened.
Colorectal Cancer. Have a test for colorectal cancer. Your doctor can help you decide which test is right for you.
Depression. Your emotional health is as important as your physical health. If you have felt "down," sad, or hopeless over the last 2 weeks or have felt little interest or pleasure in doing things, you may be depressed. Talk to your doctor about being screened for depression.
Diabetes. Have a blood test for diabetes if you have high blood pressure.
High Blood Pressure. Have your blood pressure checked at least every 2 years.High blood pressure is 140/90 or higher.
High Cholesterol. Have your cholesterol checked regularly.
HIV. Talk with your doctor about HIV screening if any of these apply:
You have had sex with men since 1975.
You have had unprotected sex with multiple partners.
You have used or now use injection drugs.
You exchange sex for money or drugs or have sex partners who do.
You have past or present sex partners who are HIV-infected, are bisexual, or use injection drugs.
You are being treated for sexually transmitted diseases.
You had a blood transfusion between 1978 and 1985
Obesity. Have your body mass index (BMI) calculated to screen for obesity. (BMI is a measure of body fat based on height and weight.) You can find your own BMI with the BMI calculator from the National Heart, Lung, and Blood Institute at: http://www.nhlbisupport.com/bmi/.
Sexually Transmitted Infections. Talk to your doctor about being tested for sexually transmitted infections.
A Note on Other Conditions. Every body is different. Always feel free to ask your doctor about being checked for any condition, not just the ones above. If you are worried about diseases such as glaucoma, prostate cancer, or skin cancer, for example, ask your doctor. And always tell your doctor about any changes in your health, including your vision and hearing.
AARP health provides free information and resources to help resolve problems for its members
AARP - Financial: OPEC is unwilling to help out IMF
OPEC Secretary-General Abdullah El-Badri said it was "surprising" that the cartel's member countries were being asked to step in.
"This crisis created in the (United) States must be solved within the States," he told the same gathering, in contrast to Brown's repeated statements that the current financial turmoil was a global problem that required global solutions.
Gordon Brown the UK Prime Minister is visiting the Middle East seeking support despite earlier blasting OPEC for reducing oil output to maintain a high oil prices.
China is another country which could come to the aid of the IMF but this could prove a costly move as are likely to insist on a greater share of political power.
Debt is a major problem for AARP members some of whom hope that recent request by lenders to be allowed to reduce outstanding credit card dept by up to 40% on a case to case basis may help to improve customers financial situations will be agreed. They may have to wait until after the election.
AARP Financial - The roller coaster week that has seen Oil prices fall by $2 a barrel has ended. For the fist time in two years USA oil consumption has dropped as belts are tightened to ward off economic decline. Hopefully for AARP members winter fuel cost will also be reduced.
Japan joined the growing number of countries forced to step in and and support their economy with a $243 billion aid package which includes fixed sum benefits of $600 for a family of four.
Major countries around the world are cutting interest rates to kick start a recovery, but this could have mixed results for AARP members as saving rates will also move downwards. There is growing concern as to how all these aid packages are going to be funded at the end of the day governments will be forced to balance the books which is likely to mean an increase in taxes.
One piece of good news for AARP members is the 5.8% increase in social security benefits that will be paid next year, one of the highest increase on record due to inflation during the current year.The average monthly payment for retirees is $1,090. In January it will rise to $1,153.
AARP Finance - AARP chief executive officer Mr Novelli has recently written to Secretary of the Treasury to demand that mandatory withdrawals from 401(k)retirement plans for people over 70 be cancelled due to the current financial crisis.
Currently AARP members over 70 are forced to withdraw a minimum amount each year (by 31st DEC) from their retirements plans based on the value of the plan at the end of the previous year. Failure to withdraw the minimum amount incurs a 50% tax charge. Due to the stock market upheaval some fund may have lost up to 40% of their value and and is not the time to be forced to cash in hard won savings.
Some AARP members financial difficulties could on the other hand be helped also if the 20% early with withdrawal funds from 401(k) plans was temporarily withdrawn, which would release much needed cash.
Withdrawing money from retirement funds is not to be taken lightly as is reduces expected income in retirement and at the moment most funds are at rock bottom they will take some time time perhaps years to reach their previous highs.
One alternative for AARP members to putting money into a retirement plan is to invest it in a successful joint venture such as promoted by Tomorrows Home Business which over a period of ten years can provide a 15% returns way above the interest earnt by placing money on deposit The secret of creating money is to make best use of investments which compound results.
AARP Financial news today is is generally good, with markets around the World generally moving upwards as the USA lowered it base rate to 1%, it lowest ever. AARP members and others who have loans or finances will hopefully see up to 0.5% reduction.
Consumers in Iceland have recently seen interest rates rise to 18% a jump of 6% following the $2 Billion loan form the IMF.
Hungary yesterday was also bailed out by the IMF to the turn of $28 Billion and the news prompted a rise in both their currency and stock market.
AARP members should be aware that the costs of any rescue package has to be paid by someone, as Icelanders now know its going to be a long hard winter.
House holders in the UK are still struggling with some 70% of owners having to face the fact that the continued fall in house prices resulting in their loans exceeding the value of their houses. Perhaps and interest rate cut her might help, but at the moment no institutions are lending money.
The main question on the lips of members of AARP is have the markets reached rock bottom. Stock and shares are at bargain basement level compared to the past twenty years. Multi-Millionaires like Warren Buffet are prepared to take the risk but who is prepared to follow them?
UK Pension funds have lost 33% of their value, or £187 Billion during the last 12 months, due to falling stocks and shares.
The bad news illustrates to members of AARP the likely effect on their own 401(K) retirement plans.
Now is certainly not the time to retire unless AARP members are lucky enough to work for a company that provides some kind of final Salary pension as is offered by some companies in the UK.
Yes the DOW rose 900 points yesterday and this might be a sign that the worst is over, however there is a long way to to. Hopefully stock markets around the world will also provide a positive response bouncing back from record 5 year lows in the USA and UK.
AARP members have been following the frightning ups and downs of the stock and might be wary of investing in the future, but what choices are there?
1. Put it under the bed and it will lose value due to inflation
2. Place it on deposit at a low rate of interest
3. Or invest in your business
Smart AARP members are investing in their business because reinvesting income back into a business will grow the business and produce better results.
Now is probable the best time to buy into a business, but only a few AARP members have sufficient funds to purchase a business outright. So what about the rest.
Starting a business from scratch might not appear to be the right option either due to business set up costs, buying stock, marketing etc, however there is another solution.
Tomorrows Home Business, has a proven business plan and model which produces results, because it is partnered with a health and wellness company who take care of all the marketing, selling and delivery of products. Leaving the AAARP member the opportunity to buy its existing customers and earn commissions.
AARP Finance - The Week has started the way the previous week finished with stock markets around the world continuing to fall. Recession is a reality but how should one deal with the consequences.
The first thing AARP members need to do is not to fall into the trap of taking on further loans. Stop using credit cards wherever possible unless you can pay them it in full.
AARP members need to reduce all unnecessary spending.
Normally when stocks reach rock bottom its is time for AARP members to commit more money to 401(k) plans in the hope that stock will rise and increase the value of their savings, the problem is twofold, knowing when to buy and guessing how quickly stocks will rise.
A more conservative plan might be to buy into an existing successful business but few people have the funds to do this, so an alternative might be to start a business in partnership with Tomorrows Home Business who have a business model which shows a rate of return which exceeds most returns on stock investments and is inflation proof. Full details are available by contacting us.
AARP Financial has responded to public concern with Mutual funds with the following statement:-
AARP Financial recognizes that recent events in the financial markets are causing concern among investors. For those invested in money market funds, you may also be questioning the safety of your investment. We want to reassure you that your investment in the AARP Money Market Fund remains a conservative, low-risk investment and that you have quick access to these assets if and when you need them. In addition, I am pleased to report that the AARP Money Market Fund is now enrolled and currently participating in the Treasury Guarantee Program.
Richard M. Hisey
President, AARP Financial Incorporated
Well that way the good news, the bad news for AARP investors is that since June the values have fallen as the financial markets have been brought to thier knees. you money is safe but not worth as much.
AARP members need to take action and look for ways to diversify their future income streams, like members of Tomorrows Home Business.
AARP counterparts in the UK have been given some good news regarding state pensions.
Thousands of women who took time off to look after children will be able to boost their state pensions under a top-up scheme announced by the Government.
Work and Pensions Secretary James Purnell is proposing an amendment to the Pension Bill enabling people to buy up to an extra six years of National Insurance contributions.
Each extra year of National Insurance contributions adds around £160 a year to the state pension that people are entitled to. But the UK Government is increasing the cost of buying extra years from its current level of £420 per year to ensure the move will not cost it anything, although it has not yet said what the increase will be.
The UK Government estimates that around 550,000 people will be eligible to buy up the extra years, but in reality it expects only around 20% of these to take advantage of the scheme.
Mr Purnell said: "By 2010 around 75% of women reaching state pension age will be entitled to a full basic state pension, rising to over 90% by 2025, compared to around 35% today. However, we are mindful of the potential disadvantages faced by those who do not have a full work history, mostly women and those with caring responsibilities."
It will be interesting to see if if the USA Government will offer AARP members any ways to increase their pensions during these difficult times, or will they have to continue to take matters into thier own hands by producing residule income to live on from home businesses such at Tommorow's Home Business.
I was looking at the AARP site today, which claims to be the largest online magazine in the world, its packed with information. The section that caught my eye way the financial calculators.
The AARP calculators includes one to work out when you will be a millionaire, so I tried out my theory of investing $1 per day and sure enough it works, if at 15 I had saved just $1 a day I would have been a millionaire by the age of 60, based on a rate of return of 15%. The problem however is that inflation will eat into the numbers and reduce your savings by half.
The common factor in all the AARP calculators is the exponential growth, for example if you continue contributing for a further 5 years you will more than double your money!
AARP members and millions of others around the world are suffering during the financial crisis, but there is a way out.
You need to find a business which will provide you with a 15% return and invest just $1,000 and in 50 years you will be a Millionaire.
Now I have found a business that will give me the return that I need and is inflation proof, its called Tomorrows's Home Business and its unlike any home business you have ever seen, you are invited to attend our live presentation every Thursday evening at 6PM EST just go to
http://tomorrowshomebusiness.butchhamilton.com/ and follow the instructions or else contact us.
AARP report that stocks and shares around the world continue to fall during early trading in Asia. Pakistan and the Philippines are both looking towards the IMF to help bail them out. Corporate organisations are already re-forecasting their yearly forecasts.
It seems there that it is going to be a long time before matters are going to improve, with Thanksgiving and Christmas fast approaching it seems there will be little to cheer about.
Companies world wide are tightening their belts and it will not be surprising if they start laying of older workers which will concern AARP members, because if they are forced to retire early it is a very bad time to purchase annuities.
AARP members have already voiced their concerns with candidates in the upcoming USA elections, but it will be sometime before any changes will filter through the system. The problem is that support for banks has to be paid by someone and its usually puts pressure on other taxes.
The only clear way for an AARP to get out of financial difficulty rests with them taking matters in their own hands and to build a business for themselves, but this is no quick fix option it will probable need five years or more of work to build a worthwhile income.
AARP insurance covers many area but with financial markets around the world contracting as major countries head towards a period of recession most AARP insurance member are concerned with their pension and life assurance plans.
Generally speaking AARP insurance plans are good to long term investments and provide a better rate of returns than that of banks. Your money is usually safer as it is usually spread across a portfolio of stocks. If you were to study AARP insurance plans the underlying investment will provide a return after 10 years.
The problem facing AARP Insurance members at the moment is that the market is weak, so it is not the time to cash in policies unless you are forced to. How long it will take for the market to recover is difficult to predict, but again you need to think long term 5 years or more.
The worldwide monetary crisis has resulted from people spending more than they can afford to repay by taking on credit and loans and this is a lesson for everyone including AARP Insurance holders. It is vitally important to start saving for your future as early as possible.
Investing in AARP Insurance products is one way however if you are still concerned about the vagaries of stock and shares, There are other ways of producing residual to satisfy your future needs such as starting your own business, bearing in mind the high failure rate of new businesses, I would recommend you consider the way Tomorrows Home Business group offers a way to financial freedom which cannot fail and is inflation proof..
Just contact one of us to learn more and come to one of our weekly online presentations.
AARP members like many other retired people from around the world are worrying about what they need to do as the world slips towards recession. Yes stock and shares held by AARP will take some years to recover and perhaps some AARP members who have 401(K) retirement plans may be looking for other methods that will provide future money.
Tomorrows Home Business group has found found a unique solution by teaming up with a health and wellness Company. Health and wellness is a multi billion dollar industry and even during recession people wish to be healthily. Many AARP members already take vitamin and mineral supplements in order to support a healthy lifestyle.
The Company tomorrows's Home business is partnered with ,is dept free and operating for ten years. The business opportunity is unique and far removed from get rich quick scams and MLM companies where members have to market and sell products.
AARP members will be surprised to learn about this no risk business plan which requires no marketing in order to build a residue income.
AARP members are invited to attend a free weekly presentation which explains how long term residual income can be produced at low cost, by contacting us.
Why are so many AARP members in financial trouble, is it because they live for today and think the future will look after itself, rather than planning for the future.
How Many AARP members have 401 plans but have failed to ensure they have a good balance of stock. Yes these plans have lost a lot of value recently and it may take them five years or more to recover to the same level as they were, due to the financial meltdown caused by many people borrowing more than they could afford to repay, which started the banking crisis as banks mismanaged loans.
If you are an AARP member who plans to retire in the next 10 years is is essential that you take some action now if you wish to be able to retire in comfort.
I recently contacted Tomorrows Home Business and discovered a way of sharing in the success of a health and wellness company. Like any good business you need to reinvest your earning back into the business for around 10 years and can then end up with a monthly income to live on in retirement.
The plan for AARP members does not involve in investing in stock market like a 401 plan, but is based on earning revenue from existing customers, who are the lifeblood of any business. You are virtually guaranteed to make money.
No special skills are required to operate the business, no marketing or selling to others, the company you partner with handle all that. for more details just contact us
AARP Insurance offer a special rates for AARP members and their families. You can enjoy special AARP Insurance rates even if you are not retired, provided you are over 50. In addition to AARP Insurance benefits you can make use of special travel offers and other information which is of focussed on elderly People.
AARP is similar in its offer to SAGA in the UK which also offers Insurance, travel, health and money advice. The major difference between the two however is that AARP has a political lobby.
The Daily news around the world is mostly about the roller coaster ride of stocks and shares as they move generally downwards towards recession and AARP and SAGA members are looking at their various insurance policies to see for two reasons, first to see if they meet their needs and secondly to see if they can still afford them.
AARP Insurance Lifetime income plans are quite costly as you need to invest a minimum of $5,000, which is a lot for many AARP members. So is there an alternative way of building an income source?
I have found an opportunity which should be of interest to AARP Insurance members, its is run by a group called Tomorrows Home Business who work together as a co-operative marketing group and earn money from purchasing existing customers from a health and wellness company in the USA. Now health and wellness is an important area for AARP and SAGA members, so you can kill two birds with one stone here and improve your financial situation and your health at the same time.
For More details contact us - click on Contact Us link
The USA and UK are close to a recession and France, Ireland, Holland together with Singapore are already in recession, so what does this mean to AARP members. Officially a country is in recession following two quarters of bad figures so the New year does not bode well.
The UK is expecting house prices to fall a further 15% throwing more people into negative equity. The 2012 Olympics and many other sporting events will be effected as sponsors feel the pinch.
Pensioners such as AARP and their counterparts from around the world will find that their pensions are smaller than expected as their funds are affected by stock market falls.
A recent survey by USWitch shows that 42% of people have cancelled insurance policies or pension contributions to save money, If you have done this how are you going to survive in the future.
The falls in the stock market have driven shares down to a level where they were about five years ago, so stocks may take a further five years to bring their saving back to the levels of a couple of months ago.
What AARP members need to do is to find an alternative way of building savings without relying on the stock market such as a plan produced by Tomorrows Home Business, to find out more fee free to contact us.
Some people mad a bit of money from the Market bounce but the future is still bleak for AARP mortgage owners. House prices are in a world of their own and now everyone one is suffering and its not only in the USA and Europe it is a world wide problem. Builders still build but who can honestly afford to buy. The number AARP members who are still paying off mortgages in retirement is still rising and they struggle to make ends meet. Often the they have taken loans on the equity in their house.
A study released in September by the Centre for Retirement Research (CRR) at Boston College found that about 30 percent of homeowners ages 50 to 62 have cashed in on the equity in their homes, and they will likely remain saddled with mortgage debt and face a decline in net worth as they hit retirement
The reasons AARP members might need to refinance can be the result of layoffs or simply bad planning. The rule of thumb used to be to ensure all mortgages or loans were paid back before retirement, but as people seek to raise their living standards they started to live beyond their means, but the trouble is there is no safety net and now a few AARP members are in a situation that their loans exceed the equity in their house due to the slump in the property market.
Younger AARP members still have the time to put money aside for their retirement and one way to do this is to join a group called Tomorrow's Home Business who can show you how you can become a partner in a business which will help build funds to cover your retirement costs.
For more details please click on Contact Us below:-
Here is a typical AARP members question "I retired five years ago, but with the economy and inflation as they are, I need to go back to work. Where do I start?"
You need to think about what you want to do and to be honest restarting a conventional job is not for everyone, after five years your attitude to work will have changed and you will find it hard to come out of retirement mode.
Yes AARP can help you find employment via their site and its partly why AARP was set up. How Long and how much work do you want to do. Some people decide they would like to work from home which saves the cost of travel etc which can eat into your earnings.
As an AARP member you might be interested in starting your own business, but as you say funds are short. If you can afford to put up say $1,000 it is possible to create an reasonable income from it in about 10 years. This will not provide immediate help but is much better that the get rich quick scams that AARP member unwittingly fall for.
As a retired person myself, I actually enjoy watching my money grow month on month especially during these difficult times, I work from home at hours that suit me.
The World monetary crisis which effects AARP members is going to cost them dearly, for example The UK Government's part-nationalised three of Britain's biggest banks in a £37 billion bailout designed to save the financial system. The plan will cost every man, woman and child in the country £616.
Stocks are once more rising but one question is why should AARP members be forced to bail out failing banks, The root cause of the crisis was inflated Property prices, which lead to AARP members and others having to take on larger mortgages in order to afford to own their own home. Banks leading money in some cases failed to check that applicants had sufficient income to cover the mortgage, so they are at fault but everyone has to suffer.
Will the USA Government come to the rescue of AARP members who are unable to make ends meet, I think not.
The Financial problems will be with us for some time so it is prudent for AARP members to be cautious with their funds and spread it around different banks.
During times of recession AARP members often look for different ways to protect their live style such as doing a second job or setting up a home business. Start up costs for a home business can be high, which is why many fail in the first year or two.
Tomorrows Home Business group can show AARP members how you can build a financial nest egg with an established company dept free company for more information please feel free to contact us.
AARP member may be interest in a recent survey about baby Boomers in the UK who demonstrate a changing attitude towards inheritance, with surveys suggesting they are more likely to want to use their wealth to enjoy life than to worry about leaving a bequest.
The current world financial situation may lead to AARP members being forced into the same situation as they plunder there savings to save their present lifestyle.
AARP member may also be interested to lean that for their cousins in the UK - Housing has played a big part in boomers' lives. The proportion of owner-occupiers rose from around one in four in 1950 to two-thirds by the mid-1980s. Today, 33 per cent of boomers own their homes outright and 52 per cent have mortgages, while 15 per cent have second homes. Home improvements, shows the research, form a significant part of boomer lifestyles. So does increasing the value of homes, especially in terms of using housing to fund life during retirement.
Now if these figure hold true for AARP members some 67% will still have mortgages and these people are the hardest hit during any recession and in fact it is loans in general and the mis-management of dept in general by bank and finance companies that has started the roller coaster ride towards recession.
Is there a way out for ordinary AARP members? Well as a retired person myself I have started a new ten year plan to build another income stream with Tomorrows Home Business in order to create another income stream to protect my own Lifestyle as relying on Government handouts is not an option.
Stocks continue to fall around the World and AARP members are in for a tough ride and are worried to see how savings are dwindling with interest rate cuts.
Jonathan Scheid, chief investment officer for Bellatore LLC in San Jose, Calif.,is giving this advice to AARP members - Investors who have more money in the bank than the FDIC guarantees should spread their cash around in different institutions to get the full FDIC guarantee. Even so, he says, bank yields are too low for people nearing retirement to store the bulk of their funds in bank accounts.
The stock markets will recover in the long term in the meantime AARP Members should be looking to control their future rather than rely on the Government to resolve the situation on their behalf.
The Health and Wellness industry is one area which will weather the storm(vanity always wins). Some Members of AARP and other retirees from around the world are already seeing good returns from following a model promoted by Tomorrows Home Business group which is leading the way to help people help themselves and provide hope for the future.
A Recent AARP Survey found that middle aged workers in the USA were not making enough effort to make savings for their retirement, using excuses such as the cost of their childrens' education.
The earlier you start retirement planning the less it will cost you and the larger your nest egg will grow. The AARP survey also found that its members were planning on working longer in order to make up shortfalls due to the current economic situation. The deteriorating economy will make it harder for people to save more but they need to make the effort now or face a crisis in the future.
Many AARP members take up part time jobs both to keep themselves active and also bring in extra income. Some go as far as setting up a home based business, such as Tomorrows Home Business, which has a ten year plan to create wealth and is affordable to middle aged people and AARP members.
So what can Tomorrow's Home Business offer AARP members. An easy method to build a secure income over a medium to long term period with minimum commitment of time and money. No special skills required apart from being able to use a computer.
It does not matter if you are a member of AARP or not if you want to know how Tomorow Home Business can help you request more information by clicking here and filling in a form.
AARP Insurance - Lifetime income plan was designed specifically to provide fixed immediate annuities that help AARP insurance members protect themselves against the risk of outliving their savings. The AARP Insurance group annuity plans let AARP members turn part of their retirement savings into monthly income payments that will be locked in and guaranteed for life. The AARP Insurance Program offers single life and joint life annuity plans and come with important features not offered by every annuity plan … if you pass away prematurely, your beneficiary will receive any remaining payments that were guaranteed.
AARP Insurance members age 50 to 89 can purchase an annuity in any amount of $5,000 or more. You can be confident that your annuity income payments are guaranteed. With this Program, your income is backed by the financial strength of New York Life Insurance and Annuity Corporation, part of the New York Life family of companies. And, this is the only annuity Program endorsed by AARP Insurance.
AARP Insurance programs are not the sole way to obtain monthly income in retirement a group of Entrepreneurs (Tomorrow's Home Business) have combined with TriVita, a health and wellness supplier to use a plan which will produce a substantial monthly return after 10 years for a one off payment of $1,000, which will greatly enhance your lifestyle.
More Information is available in our live conference room on Thursdays 6PM PST (Click Here To enter Room and use password "success") or else contact one of our members.
In the last six weeks alone Bradford & Bingley, HBOS, Lehman Bros, Wachovia, Washington Mutual, Dexia, Fortis, Merrill Lynch, Morgan Stanley and the entire banking system of Iceland have either expired or been taken over, either by rivals or by the state.
After a lifetime of trust in familiar high street banking names, ordinary depositors no longer believe their money is safe.
The rich are looking for safe havens in Germany and Ireland where even the largest accounts are explicitly guaranteed by government. The biggest problem is one of example, because banks themselves believe least of all. They are only willing to trust their cash to their central banks instead of helping each other out for day-to-day cash as they used to.
what does this mean for the small saver, well you need to get your money working for you, now stocks and shares in the USA and UK are at their lowest levels for 4 years, but perhaps now is not the time to buy.
what you are looking for is something to protest you from inflation, well perhaps I have the answer from an unusual source. how do businesses make money? Generally speaking they rely on customers. Well I can show you a business where you can own customers and get lifetime commissions on their sales. why not check it out by coming to our meeting room at Tomorrows Home Business on Thursdays 6PM PST using the password success.
Tomorrows Home Business does not require you to market or sell anything unless you wish to. You can just buy customers to earn money. We have over 8,000 customers at the moment.
Promoting your home based business seems to get harder every day and is a reason for home based business failure. No Matter how you promote it is a time consuming effort.
Yes, there are tools around to help your home based business such as auto responders, I bet you have one, but do you think people read your messages. Lets put it another way do you read all you mail, No of course not, that why you have an auto responder for your home based business.
Lets face it mailing does not work, so what else can we try, FFA's and online adverts for home based business are the same few people ever read them.
How about telephone calling, well you can have some success here, once you have waded through contact numbers that are false or have been disconnect, but you need to be hard skinned to listen to abuse from someone whose phone has been ringing every half hour with offer to join this or that home based business.
Promoting or marketing a home based business is very hard, so why not leave it to the experts, like the members of Tomorrows Home Business. Instead of following up leads they purchase actual existing customers and earn lifetime commissions on all purchases.
No Marketing or selling is ever required, in fact it is possible to earn a substantial income just by purchasing customers. For more details of a home based business that works click on Contact Us button to arrange a suitable interview time.
Why you need to avoid Free Home Business Opportunities
Free is very popular on Google with millions of results but if you narrow down your search to the phrase Free home Business there are less than 1000 results and some of these are offering newsletters, tools or free information, so this means there are very few free home business opportunities.
I belive that this is true, because many of these so called free home business opportunites contain a catch where you need to pay money, how many times have you seen join for free in an advert, this is used as a come on to collect your details and perhaps give you a taster of how a home business will make you rich.
Many people get suckered in to a free home business only to find that in order to earn money they need to spend money. I do not know of any home business where you will not have to spend money, if there is one please contact me.
All home business need four elements, time, work, money and customers in order to create wealth. Many home business failures are not caused by the lack of time, effort or money but due to lack of customers.
Customers are the key to success, if you have no customers you have no business. We can show you a fool proof method to create wealth by buying customers, all you have to do is to contact us for free - but it's not a free home business!
Chancellor Alistair Darling has again pledged to do "whatever it takes" to protect bank deposits as Gordon Brown announced plans for a new National Economic Council to co-ordinate the Government's response to the global economic crisis.
At a joint Downing Street press conference with Mr Brown, the Chancellor said savers should be reassured by the Bank of England's promise to make sure that banks had the funds they needed.
At the same time, the Financial Services Authority said it was extending the guarantee to depositors in British banks from £35,000 to £50,000.
This comes a few days after the Taxpayer bailed out UK Bank Bradford and Bingley. Banks in the UK like those in the USA are under threat.
The time has come come to take control of your finances and wealth to secure your families future. If you need a way to protect your lifestyle contact Tomorrows Home Business
The Economic troubles are spreading around the world, with prices rising, businesses closing, Governments bailing out banks bad dept and rising inflation. Where will this all end?
One thing is clear its is time to look at ways of securing your own future and one way of doing this is to start your own home based business. Now you need to find a business that is simple and easy to run and will give you a good return on your investment.
Avoid the get rich quick home based business scams that promise the earth and give you nothing. also avoid MLM's where you need to purchase and deliver products. You need to find a popular home based business which has products that are purchased on a regular basis, such as health and wellness products, because no matter how the economy is performing people always want to look good and be healthy.
Think about how you are going to market you home based business, do you have any marketing or advertising knowledge? not many people do, so you need to find a company who will market and advertise your home based business.
When you search on the Internet there are millions of home based business opportunities, so why do 99% of them fail. The answer is simple they fail to get customers, due to bad products or marketing.
One group of business owners - Tomorrows Home Business has examined why home based business fail and has built a business plan based on buying customers which resolves the situation.
The home based business is so simple to set up a child could do it with minimum computer skills and no experience at all. There is no failure rate. Click Here To Request More Information
The key to a successful home based business depends on your self-motivation to push yourself ahead against any obstacles you encounter in order to reach your goals
Success really depends on the amount of time and effort you put into to build your home based business. This may be actively talking to people writing blogs or articles or passive such a reading books.
Do accept the fact that it take time for any kind of business to succeed and it may take a couple of months or years to see the fruits of your labour. Have you ever asked yourself how many years of studies you need to put in before you can get a Degree or Master?
You must approach home business ownership with a positive mind and take into account the sacrifices that must be made to make your dream come truth.
Always remember this:
Get-rich-quick schemes doesn't work. If they did, then everyone on the face of the universe would become millionaire.
As a Boss of a new home based business, you have to learn about business organization, planning, marketing, time management wearing many hats all at the same. You learn to be independent as you invest an increasing number of hours to nurture it, watch it grow and bloom into a successful enterprise.
In return, you gain a wealth of of business experience before you finally make a commitment to quit your employee status and do it full-time.
When working for your home based business, you are empowered to achieve many things you can never do and learn. You are no longer the employee stuck to the same old routine kind of work from 9 to 5. Your 10 years of job experience doesn't have any increasing value as it is just like a year of work experience repeated 10 times. You are no more at the command of your tyrant boss who wouldn't let you take time off when your little children falls sick and the same tyrant boss who called you during your off-duty hour to rush back for work for the sake of the company. You are so busy and often work late that you forgot the beauty of the rising sun.
Just think, owning your home based business means you can earn money and take good care of your family simultaneously. Of course, the best part is that you don't have to worry about being out of job.
Ever wonder why many businessmen like Donald Trump can went bust and then back to become a MILLIONAIRE again within a short-period of time?
It is The wealth of business experience they have accumulated as an entrepreneur which will always remain inside them for the rest of their life.
The Current banking crisis in America and Europe is raising the question as to how safe deposits are and are there alternative ways of building wealth. Many people live for today, which is a reason for keeping money on short term deposit or in a current account.
The time has come to re-examine your how you hard earned money is working for you. The housing market is not a good area at the present time. The Stock market is week and even the traditional gold and silver markets are sluggish.
One area where despite the recessionary trends consumers are still spending money is the health and wellness industry, so this may be an area which can offer an opportunity for a good return on investment (ROI) Now we are not talking about purchasing shares, but if you are one of these people who regularly take vitamins and minerals then perhaps you should consider setting up a business and buying from yourself, you could save some 20% initially and end up having a successful home business.
Now running a home business is not for everyone, people say they have not the time or knowledge to market one and do not want to approach friends and family. Tomorrows Home business has the answer because we are associated with a health and wellness company from which we can purchase existing customers, we do not have to do any marketing or selling or get involved in any way unless we wish to. we can buy customers and earn commissions for life. In fact if you had $1,000 to invest now, by doing nothing you could be earning over $5,000 a month in 10 years - not bad for doing nothing!
To learn more please click on the Contact Us link below
Troubled times ahead as Dow Jones records 600 point fall and around the world other financial institutions such as the UK Bradford and Bingley Bank are also failing. The Bradford and Bingley failure was due to the Bank lending money to people who could not afford to pay it back and now the taxpayer is expected to bail them out.
Why is it that so many people try to live beyond their means, it seems we are living in a spend now and do not worry about the future mentality. Governments and tax payers will not be able to pay out indefinitely. It is up to you to plan your own financial future.
You need to develop a number of income streams in order to become wealthy. Working for a wage will never make you wealthy, what you need to do is invest in you future, when you can purchase property, shares and collectable, yes there is a slump in the first two at the moment, but they will rise again. Selling on Ebay is a way some people make money from little used possessions. Starting you own home business is another way to create an income stream.
If you have money to invest now, Tomorrow's home business will show you how a partnership with a successful health and wellness company will be able to provide for your future needs for more information click on Contact Us link below.
How secure is your future, the economic downturn is forcing many Americans to take stock of their position. fuel prices are yo yoyoing up and down, banks and financial institutions are under threat, forcing the government to step in with funding. All this does not bode well for the future. If you are nearing retirement, do you think you can live on government handouts, with rising prices and job losses.
The average American throughout his or her working life will earn in excess of a million dollars and end up with little to show for it.
You need to take action now and take control of your future. Tomorrow's Home Business has been formed by a group of Entrepreneurs, with the sole aim of improving the average persons wealth. We can show you for example how a one off investment to purchase customers from a Health and Wellness Company in the USA will produce a residue income of thousands of dollars a month after 10 years.
The plan is inflation proof as you earn a percentage on each customers purchase and as the products increase in price so does your commission.
You can just sit back and reinvest your commissions to purchase new customers but we would hope that you will help with our co-operative marketing effort by learning some basis techniques to help capture top positions in Search Engine results.
Absolutely no selling is required and you do not need to involve your family and friends in order to earn money from this business.
WE hold and online presentation on Friday evening 6PM PST and a workshop on Sunday evening at 6PM PST which you are welcome to attend, just click on the Contact Us link in my signature to let us know of your interest and we will provide further instructions
What Makes the Best Work at home business
You need to examine what is required to run a successful work at home business.
The first question to ask yourself is do you have the right commitment and drive to start a work at home business. If you want to earn more than a few extra dollars, you are going to have to ether work hard or invest money into you work at home business. Most work at home businesses fail in the first few years.
What kind of business are you going to conduct, is it going to home typing or data input or are you going to sell a product or service, whatever the case you are going to need customers, so where are these customers going to come from? I suggest that you forget friends and family, who might buy from you, and look to how you are going to market your work at home business.
You can have the best work at products in the world but if you cannot market them you will not get customers and your business will fail. So you are either going to learn how to market or pay someone to do it for you.
I have found a unique work at home business where not only does the company do all the marketing for you but you can buy customers from them to build your work at home business. If you are interested feel free to contact Tomorrows Home Business
Weight loss is about finding a balance. You have to find activities to fit your lifestyle that are both healthy and reasonably achievable. You can work out 3 hours a day and you will lose weight. But if you do work out 3 hours a day, you are likely to lose ground in other areas of your life. Sacrificing your sanity to lose weight is not a healthy life style.
There are two ways to lose weight. There are pounds you lose because of healthy eating choices, and pounds you lose because of exercise and physical exertion. According to most nutritionists, one pound of fat equals 3500 calories. So, to lose one pound you must either cut 3500 calories from your diet, or burn 3500 calories via exercise. If you were to try and cut 3500 calories or burn 3500 calories, that would be an example of a unhealthy imbalance. Attempting either one of those will not only take too long, but will also, more than likely undermine the other. If you cut 3500 calories over the course of 3 days, you would not have the energy to be active (which is why you want to lose weight in the first place). And if you burned 3500 calories in three days you would need to eat more than you normally would to have that kind of energy.
The healthy balance to lose weight would be to find a balance between cutting calories and burning calories. How do you lose the first 30? Figure out how many calories you need to maintain your current weight. Then the simplest, healthiest way, to lose weight is pick a number of calories you can realistically and eliminate from your lifestyle. If for example you weighed 325, it takes 4290 calories to maintain that weight. Now that’s a lot of calories…
You An easily cut 1000 calories a day a day to lose weight. 1000 calories a day means losing a pound every 3 and a half days. Next I split it right down the middle in order to cut 500 calories and burn 500 calories. Now both of those numbers are not hard to accomplish. That is still 3790 calories you could eat and you only have to work out 30 minutes a day to burn 500 calories.
So, when you start planning your lifestyle changes to lose weight, keep balance in mind to keep you healthy both physically and mentally.
Wealthy people buy businesses to increase their wealth, and create multiple income streams. If you have dreamed of owning you own home based business, you do not necessarily need thousands of dollars. What you can is purchase a share or a partnership.
Established businesses usually have a large customer base which is the reason for their success and this is the type of home based business you are best to get involved with.
Tomorrows Home business can show you how to set up a successful home based business by buying customers from an established nutritional company in the USA. One example is to spend $1000 on purchasing customers and then reinvesting all the money spent by these customers for a period of ten years after which you will be able to draw an income of around $5,000 per month.
I you are looking to build wealth over the medium to long term we have strategies that work and will provide you with income in the future which is inflation, because as the cosy of the goods your customers purchase rises so does you commission. for more details contact us
Everyone needsmultiple income streams to build wealth, but how do you get them to work for you. most Peoples main income stream is their job and the income may or may not vary on the hours they work, however it is constrained by time and cannot on it own produce wealth.
You can create multiple income streams by taking on other jobs but again time is the limiting factor. One way around the time constraint is to get other people to work for you and then time is not a limiting factor.
One of the best multiple income streams is to create residue income, where you buy something once and then get income from it, common forms of residue income are property which you buy and lease out or stock and shares which pay out dividends.
Multiple income streams protect you, if you only have one income source. say from labour and you lose your job you will soon run out of money, but if you have multiple streams you will still be earning money.
If you own a home based business you can use referral marketing to attract other people into your business to increase your multiple income streams and help build wealth. Many home business owners make the mistake of not reinvesting income from their business, back into their business, not realising the benefit of how reinvesting rather than spending will provide wealth in the future.
If you are looking for an additional multiple income stream come to our online presentation on Thursday 6PM PST at http://www.tomorrowshomebusiness.com/Conference_Room.htm or contact us below
Home based business owners who talk about their business are more likely to build a successful home based business than those who don't. Talking about your home based business is one of the processes that trains our mind, along with writing down and reading positive affirmations relating to home based business.
The more you think and dream about your business the better the business will grow, but you must put thoughts into action. Successful home based business entrepreneurs often keep a pencil and paper by their bed to write notes to follow up in the morning.
Many home based business owners fail to put ideas into action, they talk the talk but don't walk the walk and wonder why their businesses fail.
One business idea that does work is Tomorrows Home Business because the business plan revolves around buying customers, instead of buying leads and trying to encourage them to become distributors like MLM home based business.
Loyal customers are worth their wight in Gold and in fact if all you did with Tomorrows home business was to by customers at the end of ten years you would be earning a substantial income from your home based business.
Tomorrow Home Based Business entrepreneur also work together promoting the idea via blogs and web sites using proven SEO techniques that secure top positions in popular searches on Google.
How many times have you picked up the phone recently to find someone on the other end selling to you, telling you how much you can make next month if you join their business. The current woes in USA are forcing people to re -examine their financial situation and look for alternative solutions for their long term wealth. Dr Robert Schuller in his book Tough Times Never Last But Tough People Do, teaches how to deal with adversity in a postive way.
What does the future offer you? Did you know that that your brain can influence how wealthy you will be. If you have self belief and are prepared to walk the walk you will be successful.
Have you thought about your future lifestyle and your standard of living in retirement or are you hoping that you can survive on government handouts. If you take action now you could ensure a secure future.
A few days ago I was watching a presentation by an economist Dr Raymond Jewel who was explaining how a one off investment of $1,000 in an American health and wellness company will produce a substantial income in ten years time. Now $1,000 is a lot of money for some but if it would help provide you with a better lifestyle in the future
many people would be willing to make the sacrifice.
If you would like to learn more Click Here to contact Tomorrows home business
There are so many work from home USA jobs when you search in Google that you are spoilt for choice the question is what kind of job are you looking for, and how much time do you wish to spend on a work from home USA Job.
Depending on what job you choose you must remember that it will take you time and effort to build a work from home business from scratch and to be honest the statistics are against you, as there is a 99% failure rate, the rate has been creeping up over the years due to the increasing scams and dishonest business promoters.
When you start a new work from home job USA, you are full of enthusiasm, but this soon wanes when expected income does not meet your expectations. One suggestion I have is that instead of looking to start a new business from scratch, you are better to seek an established business. Look for a business which already has an active customer database, because a business without customers will fail. You probable do not have the funding to purchase the business outright but you could work from home USA job by affiliating with them.
You will also need to examine the product or services provided by the business to find out which area of the market they are working. I have found a company in the health and wellness industry, which even does all the marketing and sales for their work from home USA affiliates who can buy their customers to obtain ongoing commissions.
I read a recent report from the BBC which said that many older people are not get the recommend amount of vitamin B12 and as a result are running the risk of brain shrinkage, as lack of vitamin B12 caused the the brain to shrink which can lead to loss of memory and dementia.
Vitamin B12 is present in meat such as liver, milk and shellfish, so if these are not part of your normal diet you may wish to use vitamin B12 supplements. The study was conducted in Oxford England and involved 106 people aged between 61 and 82, over a period of five years. Further studies are being conducted to find out is taking supplements will reduce brain shrinkage.
A recent study in The New England Journal of Medicine indicates that elevated blood levels of the amino acid homocysteine (already considered a risk factor for Cardiovascular Disease) are associated with an increased risk of developing Alzheimer’s Disease. Blood levels of homocysteine can be reduced by increasing intake of Folic Acid and Vitamins B-6 and B-12. − Dr. Richard Hodes, Director of the National Institute on Aging.
Vitamin B-12 studies show that Sublingual B-12, B-6 & Folic Acid is readily absorbed into the bloodstream.
A recent study published in the Journal of the American Medical Association stated if people received 1,000 mcg of folic acid and 500 mcg of B-12 per day over 300,000 lives in the U.S. would be saved each year from heart disease.
I have in the past and am at present taking vitamin B12 and certainly feel that I have more energy and it seems to sharpen my memory
The Platinum control panel from Veretekk allows home based business owners in Malaysai and arounf the world now have unrivalled power at their fingertips. The system is not for everyone, however those people with a vision to succeed will find success with this system.
David Ogden Internet marketing Mentor
http://davidogden.org
david_ogden.veremail.com
2017938702
Skype seadogs11 (read more)
Goal Setting for Your Business
Goal setting is a very important step to take in order to build a work at home business opportunity, but it is an area that many people skip. To be successful online you need to get used to setting goals, short term, medium term, long term and perhaps your ultimate goal.
You may need to have goals to cover areas outside your business life, social, fitness and mental goals.
Goal setting trains you to reach whatever you you desire and acts like a map leading you to your destination each goal achieved acting as a waypoint along the road map to riches. I refer to maps because in 1999 I challenged myself to compete in a 1,000 K long adventure race.
Over a three month period leading up to the race I had to learn many skills, such as sea kayaking, caving and inline skating. my ultimate goal was to finish the race,my long term goal was to start the race, my medium term goal was to be selected for a team and short term goal was to learn the new skills. I set goals for each skill, for example inline skating was expected to cover 100K so this was further broken, the first goal was to be able to stand up and be able to stop, then each week I had to add an extra 10k to my training.
Once selected for the team my short term goal was accomplished and I had then to train with a team so as to ready to start the race in the Philippines. I still remember one hour before the start my team Captain commenting that I was very quiet and I replied that I was just getting my head around the fact that the first leg of the race was kayaking over 35K, most of it upriver and yet as a team we had only kayaked 1 kilometer together. We had goals set throughout the race and after 11 days of racing, I sat in the South China Sea disappointed to have missed my ultimate goal. Click here to read my account
It was two more years and two more big races before my dream became reality and I finally crossed a finish line, which brings me to the next point.
Goal setting also involves thinking about how you will feel about reaching a goal, you need to try to visualise you next goal, see yourself reaching the goal and write down how you will feel and how important it is to achieve your goal.
Goal setting is a key to your success, it keeps you on the straight and narrow and helps you avoid distractions which can cause failure. Every time I am approached by someone with a new online business opportunity I ask myself a simple question, will this lead me to my next goal and I take the appropriate action.
I recommend you review your goals at least monthly. I use Simplology webcockpit from http://www.simpleology.com/ to help me on the road map to riches. David Ogden Internet Marketing Mentor Kota Kinabalu SabahMalaysia(read more)
Have you ever thought you have the magic software program, the ebook and all the other tools that say that they can, and will, show you how to make the first page of Google? Hey, take a deep breath and know this. There is nothing, that competes with Veretekk and the Veretekkies who use this powerhouse system. I was probably just like most people learning to market online when I found Veretekk. I had spent way to much on ebooks, software, programs and tools to learn online marketing. That money leak stopped when I found Veretekk and started applying what I learned.
Last months unemployment figures were the highest for 34 years with a further 598,000 jobs lost and the trend is expected to continue with some experts expecting it to reach 9% by the end of the year. Long term unemployment is also growing with 2.6 million people being out of work for over six months. 
ahead provided their are changes in management who
caused the problems in the first place. The USA cannot afford to close the
plants down but will need to make them more efficient.
Welcome to the big support group.