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Is Your Financial Portfolio Still Looking For an Economic Stimulus? Have You Thought of Becoming a Joint Venture Expert? (And Just What Does a Joint Venture Broker Do?)

September 8, 2009 by  
Filed under Anne Holmes, Blog, Entrepreneurs, Work, Money & Retirement

Could You Be a Joint Venture Broker?

Listen Up! Summer’s over. This past weekend was Labor Day Weekend here in the United States. If you’re in the US, it’s likely you used the weekend to cram in a last gasp of  vacation fun.

But if you’re like most Boomers, you probably also took a few minutes to pause and reflect on the status of your job and your income-generating power for your future retirement.

Hopefully that part was not too grim.

No matter the specifics of those quiet thoughts you had about your financial future this past weekend, you no doubt realized that you need to do something different than you have been doing – and do it fast.

I mean, just how long can you keep trying to sell your stuff on E-Bay in order to make this month’s mortgage payment, right?

I Hear You on That One, Some of My Best Friends Have Been Doing the Same Thing:

Some of my own income opportunities have dried up recently as well. That’s why I’ve just signed up for a new 12-week, income generating training program. The really exciting part is that when you come out if this program, you’ll be a certified joint venture broker, and you’ll immediately start generating a very nice income stream.

No Pie in the Sky Here. This is the Real Deal.

Your income generating opportunity is built right in. You graduate from the program and you get projects to work on.

If that sounds interesting, there’s even more good news:  This is something that you could do too.  There’s still time to get into the course, though you’ll have to act fast. REALLY FAST. Class starts Wednesday September 9th. That’s tomorrow as I write this…

(If you’re reading this after that date, there’ll be another class. But you might still try to get into this one, and the price for the training will be going up later…)

So what kind of training  am I talking about?

It’s called the “International Joint Venture Broker Certification Program,” — or as Willie Crawford, one of the trainers calls it for short: JV Brokers Bootcamp.”

But let’s begin at the beginning…

If you’re not sure what a joint venture is, or whether or not you have what it takes to become a joint venture broker let me share one of the big questions I pondered over the weekend:

Have You Ever Profited From Seizing an Opportunity That Was Only Available to You? Or Have You Recognized – and Profited From – an Opportunity That No One Else Saw?

I’ve seen this happen a few times – and when you watch it play out, it’s nothing but awe-inspiring…

As An Example, Let Me Tell You About A Joint Venture Opportunity My Former Stepmother Has Recognized – and Continues to Profit From

We’ll call her Athena, to protect her identity. I’ll also refrain from telling you what city she lives in, other than to say it’s regularly listed in Money magazine’s list of top places to live – as are many of the surrounding smaller communities.

The important thing to know is the  “back story,” that Athena, a beautiful single woman in her late 60s, is a registered nurse who moonlighted in her youth, as a real estate agent.

It’s actually the combination of nursing and real estate sales experience that have allowed her to recognize the opportunity she’s developed into a cash cow.

In fact, you might think that’s an odd combination, but it’s worked well for Athena… especially these days, when the economy has decimated her stock portfolio.

Is she worried about her financial future?

Interesting question: While I’m sure she’d like to recapture the money she lost in the stock market over the last two years, that hasn’t stopped Athena from continuing to enjoy life the ways he has lived it for as long as I’ve known her. Despite the economy, she is still known for:

  • Lavishly gifting her grandchildren whenever she sees them
  • Always wearing beautiful clothes – and owning a shoe collection that is “to die for”
  • Living in a fabulous new home in an upscale neighborhood
  • Driving an expensive late-model car, and
  • Taking extended trips to Europe when she wants to visit her many friends and family back on the Continent.

How Can She Do It?

Her secret is a little joint venture deal she’s developed which regularly tops off her bank account, while she hardly lifts a finger. It’s all based on who and what she knows.  And it’s predominantly passive income, as she barely spends an hour a week actively involved in this venture…

(Remember the adage that it’s not what you know, but who you know? Well, the fact is, both can make you a nice passive income if you know how to play the game.)

Here’s the Unique Deal She’s Cooked Up:

  • First, Athena lives in a Big Ten University town, where there’s a major medical clinic — large enough to draw patients from three states — which benefits from its proximity to the University’s medical school – and which is regularly recruiting new doctors.
  • Though she’s retired and not working as a nurse anymore, she maintains social contacts at that major clinic — including contacts in their recruiting office. Which is significant, since the clinic is always recruiting new physicians.
  • Athena knows that when those new medicos accept a position with the clinic, they’ll end up moving their home and family to the area. A fact which brings her real estate connections to the fore.
  • By staying in touch with her clinic connections — usually by sharing coffee or a meal with them — she regularly acquires a list of the names of the docs who are likely to come on board at the clinic – men and women who are about to become home-buying prospects.
  • Then she turns around and shares these prospect names with a friend who’s an active Realtor.
  • The Realtor gets “first dibs” on contacting the fresh prospects, and does all the necessary leg-work to contact the prospects, shepherd them through the whole moving process – and close the sale.
  • Then when all is said and done the home-buying deal closed — the agent pays Athena a finders fee for sourcing the buyer for her

It’s A Pretty Sweet Deal, and It’s Truly a “Win-Win-Win” Sort of Venture:

  • The clinic gets a new doctor whose family is happy in their new home
  • The doc gets access to an excellent Realtor who helps match needs with homes
  • The Realtor gets a reliable source of really fresh leads; and
  • Athena gets paid for putting the two needy parties together
  • And don’t forget that the clinic recruiter knows that since the Realtor is a competent person who will impress the doctor’s family and help make the transition to the new community a pleasant experience – word of the smooth move will get passed to other clinic staffing prospects – and future recruiting becomes even easier!

I Don’t Know What The Agreed-upon Finders Fee Is:

But typically, a buyer’s agent make three percent on the real estate transaction.

Even if Athena’s Realtor friend only shares a half of one percent with my stepmother, the finder’s fee would still be well worth her time.

As Proof, Let’s “Do the Math” On a Couple of Examples:

  • One half of one percent on a half million dollar home sale is — according to my calculations  — $2,500.
  • And, if the transaction is more in line with the median home price for the community — somewhere in the low $200,000 range?
  • Well, who would balk at making $1,000 for doing just a few minutes work?

I Know, I Know: You’re Saying, “That’s Great For Your Stepmother, Anne, But What’s In This Story For Me?”

After All You’re Neither a Realtor, Nor A Medical Professional. And Perhaps Money Magazine Isn’t “Hot” On Your Home Community, Either

Well that’s where the JV Brokers Bootcamp comes in. Because once you understand how to recognize the opportunities that are just sitting in front of you, as Athena did, then you can use these concepts to find opportunities you can profit from  – right where you live.

And who wouldn’t want to be part of a “win-win-win” scenario, right?

Once you’re trained to recognize the principles, you can readily see — and profit from — the highly profitable joint venture opportunities that are available to you close to home, right in “your neck of the woods.”  And suddenly you discover them everywhere – just staring you in the face, waiting for you to take action on them…

Best of all, these opportunities are there all the time, whether we’re living living in boom times or recession. And many times they can bring you a 6, 7, even 8 figure income.

Personally, prior to learning about Athena’s money-generating scheme, I had thought you either had to have access to big money or participate in big deals in order to profit from participation in a  “joint venture.”

After all, the first time I’d heard of someone profiting from bringing two parties together for mutual benefit, it had been when I discovered that a friend’s father was a big player in the oil industry…

  • Thirty years ago, I had been fascinated to discover that my friend’s father, a man with a degree in petroleum engineering, had become a multi-millionaire by bringing together wildcatters — men who drilled for and found oil — with investors — the people who have the financial wherewithal to fund a speculative drilling expedition.
  • Now I’d understood of course, that the money lenders would get a share of the proceeds when the oil well began producing.   But I had been amazed to find out that my friend’s father got an equal share of the profits – just for putting the deal together — even though none of his own money was on the line…
  • As I saw it, his expertise was in befriending people from two wildly different worlds — and putting them together for mutual profit.
  • I’d always thought that what a sweet deal his was. But again, I’d figured that these sorts of majorly profitable deals were found only places like West Texas, home of the Permian Basin.

It Was Only Recently That I Found Out I Was Wrong.

As my friend and mentor Gina Gaudio-Graves, one of the four founders of Joint Venture University has explained to me:

You don’t have to be wealthy to begin a life as a Joint Venture Broker, though you will likely become wealthy as a result of your efforts.

Why? Because as a joint venture broker you are trained to look at life, business — essentially everything — from a completely different perspective.  Once you’re trained to have this vision, suddenly everything you touch has the potential to become hugely profitable.

Now, as never before:

  • You see opportunity where no one else does
  • You’re able to seize opportunity where no one else can.
  • You’re able to produce far greater results for each and every effort and asset than can anyone else.
  • You begin to strategically focus your mind on JV marketing opportunities as naturally as breathing.
  • You can clearly see how to ethically exploit every resource, every relationship and every deal that crosses your path.
  • You suddenly find that you’re achieving profitability with everything you do.
  • Let’s repeat that one: You suddenly find that you’re achieving profitability with everything you do.

To sum it up, let me just say that according to Gina, “being a JV Broker gives you the ultimate feeling of power, freedom, and security, because you know that the world is constantly generating possibilities for you to profit from.”

Talk about not having a scarcity mentality!!

Here’s the Complete List of the Joint Venture University’s Founding Faculty – Ladies First and Then in Alphabetical Order:

  • Gina Gaudio-Graves – Known all over the Internet as the “JV Queen”
  • Willie Crawford – The “Black Belt JV Broker”
  • Sohail Khan – Dubbed the “Million Dollar JV Dealmaker” after he brokered a single deal that netted him something like $1.8 million, with just a couple of months worth of effort
  • David Preston – The “Legendary Consultant”

As you can see, these people know how to do joint ventures. Between them, they’ve generated millions of dollars on behalf of their clients.

I’d love for you to learn how they do it, so you too, can rise above today’s economy with your very own economic stimulus package.

  • Aren’t you ready to take action to change your financial future?
  • Especially when you can help others in the process?
  • I thought so!!

Now’s your chance to join me and let these proven Joint Venture Experts show you how to become a certified joint venture broker. After all, how else can you legally make tons of money in just 12 weeks?

Don’t wait: All the details you need are in that link.

But do it now. Time’s a-wastin’!

As Obama Seeks Healthcare Reform, Now’s the Time to Stand Up, Make Your Voice Heard: You Do Want Solid, Affordable Benefits & to Enjoy Excellent Health, Don’t You?

Bracing for Healthcare Reform?

My friend Shelby — who was diagnosed with Type 2 Diabetes a couple of years ago, at the same time I was  —  confided to me last week that this year, for the first time in her 50+ years, she’s actually put off her normal healthcare maintenance appointments.

She says it’s not because she doesn’t believe in their value. That wouldn’t make sense, as not only does she have diabetes, but her husband’s a 10-year cancer survivor, whose tumor was discovered during a routine physical…  She knows the value of regular health maintenance appointments!

No, her decision is based on financial necessity: she’s been laid off, so money is tight. Oh, she still has health insurance through COBRA, but she says she’s saving that for real medical emergencies. On a preventive care basis, she can’t afford the out of pocket portion her insurance expects her to pay.

This has to be a “bitter pill” for Shelby, after all, she’s:

Woman undergoing a mammogram of the right breast
Image via Wikipedia
  • A proud, professional woman who formerly enjoyed a better than average income.
  • A woman who made sure her kids always got their vaccinations and annual physicals on time
  • A leader in her church and serves on several community boards.

Shelby’s crossing her fingers that she’ll manage to stay healthy, even though she’s:

  • Skipped her annual mammogram
  • Postponed her semi-annual dental check-up, despite the fact that she has a tooth that twinges now and then
  • Canceled her annual eye exam, an even bigger “no-no” for those with diabetes

No, she’s Not Self-Destructive…

Don’t go dismissing Shelby as a self-destructive woman with a secret death wish. That would be misreading the situation: Shelby understands how important it is to practice good health maintenance. After all, she and I met at a hospital-run diabetes management program our doctors referred us to when we were both newly diagnosed.

Back then I was impressed that she attacked the task of learning how to live with diabetes with the discipline of a trained military officer, a technique she learned from her father, who was a career military man.

She’s Still Doing What She Can…

That’s why Shelby hasn’t decided she also needs to:

  • Stop taking her prescription meds for high blood pressure and high cholesterol
  • Drop her physical exercise program
  • Abandon her recently acquired healthy eating habits

Shelby’s Not the Only One With These Healthcare Consequences

According to a Kaiser Family Foundation health tracking poll performed in July 2009, you, too, may have made a similar cost-based medical decision in the past 12 months. Although — in a case of some good news — this survey, showed slightly more improved results over the same poll performed in this past spring.

Which indicates that, to some degree,  Americans may now be  finding some relief from their difficulties in affording health care. Still, fully half of all adults (49 percent) say they have put off some sort of needed care over the past twelve months because of its cost.

Their survey, which attempted to determine whether or not Americans are putting off healthcare because of COST,  reported the following:

  • 33% – Relied on home remedies or over-the-counter drugs rather than go see a doctor
  • 29% – Skipped dental care or checkups
  • 27% – Put off or postponed needed health care
  • 21% – Skipped recommended medical treatment
  • 20% – Did not fill a prescription for medicine
  • 15% – Cut pills in half or skipped medicine
  • 7% –  Had problems getting mental health care

Clearly There’s a Crying Need for Healthcare Reform Here in the United States

Thankfully, Shelby’s a friend, and not a former employee. If she had worked for me, I’d feel even more upset about her situation. Why? As the owner of a small business, I’m the one who manages the  healthcare coverage options for our firm.

I know how hard it has been to keep offering reasonable healthcare coverages for our group, while still managing costs. Our small group premiums have risen a minimum of 11% annually for the past ten years.  Some years the increase has been in excess of 20%.

Given that I do manage an employee benefits portfolio, I have a huge interest in following the news related to healthcare reform. But I suspect that even if my job didn’t involve managing healthcare options, I’d still be interested . After all, I’m also a consumer of these same services.

No matter which side of the benefits desk you claim as yours, if you use health insurance to help defray your medical expenses you know the last few years have been a challenge:  health insurance premiums have risen drastically year after year, no matter whether your employer is a major player or a small “mom and pop” establishment.

No matter where you sit, healthcare costs are out of control.

But This Isn’t Really News, Is It?

The fact is, the United States is the only developed nation on the planet that does not provide universal health care coverage.  We spend twice as much per capita on health care as any other country and yet, when you look at our results — in terms of measurable aspects, such as life expectancy and infant survival — our results are far worse.

Almost a year ago, an article in the the Washington Post that addressed healthcare reform noted that Americans were struggling to pay medical bills and  accumulating medical debt at an increasing rate.

Why? There’s Many Reasons US Healthcare Costs Are Out of Control, And Many Places You Can Point Your Finger for Blame.

Among them:

  • Doctors who over-prescribe drugs and perform unnecessary and/or redundant tests – and the patients who expect this: We all know the name of the game is “cover your rear.” No doc wants to be found negligent. And many patients demand to be sent home with a script. It seems it’s a lot easier for us to pop pills than to actually get our acts together and change our diets, take action to reduce our stress or get more exercise…
  • Insurance companies and health maintenance organizations (HMOs): According to The Commonwealth Fund, which bills itself as a private foundation working toward a high performance health system, “the United States leads all industrialized countries in the share of national health care expenditures devoted to insurance administration. The U.S. share is over 30 percent greater than Germany’s and more than three times that of Japan.”
  • Consumers who “go naked” whether by choice or necessity – that is, people who don’t carry any sort of health insurance, but who are legally guaranteed treatment in hospital emergency rooms: Somebody’s got to pay for the services they receive – and it’s those of us with insurance who do. Hospital costs for these “pro bono” emergency room services — with ER’s offering the most expensive sort of care —  are passed along to you, the insured consumers. But you already knew that, right?
  • The drug companies, which you most likely already suspect are one of the most powerful players in the healthcare industry, though perhaps you didn’t realize just how powerful. How about this:
    • Earlier this month, the National Public Radio program “All Things Considered” reported that during the second quarter of this year — right around the time when the healthcare reform issues started really heating up in Washington — PhRMA (that’s the Pharmaceutical Research and Manufacturers of America), along with its member companies — the big name firm like Pfizer ($5.5 million), Amgen, Eli Lilly and GlaxoSmithKline (about $3 million each), together spent $40 million lobbying Congress. That’s more than $3 million each week.
    • If you think they were lobbying for better use of naturopathic healthcare methods (as in herbal remedies and nutritional solutions), government-negotiated drug prices or reimportation of drugs from Canada… you must be smoking one of those funny herbal cigarettes.
    • In its favor, however, you need to know that PhRMA teamed up with Families USA to lobby Congress to expand Medicaid to cover everyone who meets the federal definition of poverty and those who make up to 33 percent more, which is about $14,000 a year in income for individuals. Adults without children, whether single or married, would qualify for the first time under the proposed expansion. Cynically, some see this as a great PR move whose sole reason for being is to generate positive public impression…

What Action Can You Take – Right Now?

The First Step is to Talk to Your Legislators:

The healthcare reform debate has been centered in Washington these past few months, but it’s coming home again. Your House members have already left Washington DC for their August break, and your Senators will be heading home soon.

Which means you’ll have a chance to talk to your representative in person at town-hall meetings, or when they come to town to speak in hospitals or at meetings with small business owners.

Now’s your chance to meet with them in person and tell them  what you’d like to see happening.

  • This is especially imperative if you don’t live in a major metropolitan area.
  • You know rural communities are not as well served medically — and it’s especially hard to find doctors who are trained in rural medicine.
  • The lack of health care in small towns is a problem Congress is just beginning to address.

Shelby says the biggest questions she’ll be talking to her legislators about will be related to:

  • Lack of affordable health insurance
  • Skyrocketing medication costs
  • Coverage of preexisting conditions – something that’s especially concerning if you have to find a new insurance provider, as she does…

But whether you live in an urban or rural community, keep this in mind: As a (reasonably) healthy Boomer you’ve got decades ahead of you — and you want to make sure you’re able to stay in good health to enjoy those years.

Here’s some help to get you up to speed:

The Next Step — Just as Important to Your Healthy Outcome  — Is to Take Personal Charge of Your Life and Health:

That’s what Shelby’s just started doing, and she’s excited by how well it’s working.  She started working on her mindset and motivation right around the time she realized she was probably going to lose her job.  Along with pulling out her resume and starting to look at what she needed to do to shine it up…

Thankfully she remembered me talking about my friend Gina Gaudio-Graves, her Miracle Motivational Package, and how it had helped me set goals and put a plan in motion to reach them. So she followed my link in an earlier post and got a copy for herself…

As a result Shelby says she’s been thrilled to discover how to shift her mindset to see abundance in all things — even in losing her job and having to learn how to — temporarily — live on a reduced income.

In fact, she’s all fired up about a book she’s writing and the business she’s starting — all based on sharing the knowledge and expertise she’s acquired over a lifetime… But that’s a topic for another post!

(If you want a great product to help you set out your goals and put together a plan to achieve them,  check out Gina’s fantastic Miracle Motivational Package. You’ll quickly find that you can use it to achieve anything – health and wellness, wealth, success. And just ask Shelby — it really works!)

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Bucket List Game Reminds Us That THIS Is the Year You Can Achieve Anything You Want: You Haven’t Let The Recession Keep You From Writing Up Your New Goals List, Have You?

Recession-Proof Your Bucket List Now

Bucket lists are big news these days and we’ve talked about them before, of course. But here’s one that begs to be shared with you. This time, instead of you coming up with your own personal list, you get to share your experiences with  others.  Think of  this as an opportunity to get to know your friends better.

Here’s how it works: Review all 100 items on the bucket list below and bold the ones you’ve already achieved – though undoubtedly you’ll feel that some of them are more like experiences than they are true lifetime achievements. Still, it’s fun to see how many you can check off!

Below — with brief annotations — is my bucket list. Thanks, to Rhea at “The Boomer Chronicles,” for sharing and getting us started. Feel free to share your results via a comment to the blog. I promise to comment back to each and every one!

Once you get done reading the list and contemplating how you would answer each point, it’s time for the real work to begin. That’s right – it’s time to develop your plan for what you want to personally achieve this year! After all, if you’re going to leave a legacy, it’s time to start! Here’s the bucket list:

I Have…

1. Started my own blog

2. Slept under the stars – while on a horseback pack trip. It was phenomenal

3. Played in a band

4. Visited Hawaii – no, but I’ve been to Alaska!

5. Watched a meteor shower

6. Given more than I can afford to charity – how could that be possible? The more you give, the more blessed you become…

7. Been to Disneyland/Disneyworld

8. Climbed a mountain

9. Held a praying mantis

10. Sung a solo

11. Bungee jumped

12. Visited Paris

13. Watched a lightning storm at sea

14. Taught myself an art from scratch – first there was macrame, then crochet and tie-dye. Hey, it was the 60s!

15. Adopted a child

16. Had food poisoning – no but I have experienced being seasick during a storm at sea. They might be analogous, not sure…

17. Walked to the top of the Statue of Liberty – no but I’ve walked DOWN from the top of the Washington Monument and the Gateway Arch…

18. Grown my own vegetables – that was during my “Earth Mother” days, but I am seriously looking into doing it again this year…

19. Seen the Mona Lisa in France

20. Slept on an overnight train

21. Had a pillow fight

22. Hitchhiked – my mother told me not to, but I did. Thankfully I’ve never revealed this to her… Guess she’ll know now

23. Taken a sick day when you’re not ill – what parent hasn’t been forced to take a sick day to care for a child?

24. Built a snow fort – oh and it was a dandy!

25. Held a lamb – no but my grandma took a shot of me as a toddler, holding a squirrel as I sat in my sandbox. My mother was petrified when she saw it

26. Gone skinny dipping – in Lake Mendota, at midnight, on a sultry June 21 – the longest day – after drinking a bottle of Boone’s Farm apple wine. Ahh, those UW college days…

27. Run a marathon

28. Ridden in a gondola in Venice

29. Seen a total eclipse – well, you can’t watch it DIRECTLY…

30. Watched a sunrise or sunset – both are worth waiting for…

31. Hit a home run – I’m a leftie batter and THAT experience was amazing!

32. Been on a cruise

33. Seen Niagara Falls in person

34. Visited the birthplace of my ancestors

35. Seen an Amish community

36. Taught myself a new language

37. Had enough money to be truly satisfied – for one brief shining moment…and then it was gone in a flash!

38. Seen the Leaning Tower of Pisa in person

39. Gone rock climbing

40. Seen Michelangelo’s David

41. Sung karaoke – but not as a solo performance…

42. Seen Old Faithful geyser erupt

43. Bought a stranger a meal at a restaurant

44. Visited Africa – no but it’s on my wish list, along with Antarctica

45. Walked on a beach by moonlight

46. Been transported in an ambulance

47. Had my portrait painted

48. Gone deep sea fishing

49. Seen the Sistine Chapel in person

50. Been to the top of the Eiffel Tower in Paris

51. Gone scuba diving or snorkeling – I was there with others who did, but I couldn’t get over the concept of spitting into my mask…

52. Kissed in the rain

53. Played in the mud

54. Gone to a drive-in theater

55. Been in a movie – no, but I’ve performed live onstage in front of an audience who paid to be in attendance…

56. Visited the Great Wall of China

57. Started a business

58. Taken a martial arts class

59. Visited Russia

60. Served at a soup kitchen

61. Sold Girl Scout Cookies – actually my cookie sales experience is what got me kicked out of Girl Scouts…

62. Gone whale watching

63. Got flowers for no reason

64. Donated blood, platelets or plasma

65. Gone sky diving – no, but I want to

66. Visited a Nazi concentration camp

67. Bounced a check

68. Flown in a helicopter – over Mendenhall Glacier in Alaska, while the the ethereal music of “Enya” reverberated into my headphones, courtesy of the pilot. It was a  transcendent experience – a day I will never forget!

69. Saved a favorite childhood toy – well, I saved “Sheepie,”one of my kid’s favorite stuffed animals, but only books remain from my childhood…

70. Visited the Lincoln Memorial

71. Eaten caviar

72. Pieced a quilt – not yet, but I have a sister-in-law who’s promised to teach me

73. Stood in Times Square – way back in the 60s, before they cleaned it up!

74. Toured the Everglades- sadly, I don’t think touring Florida’s Weeki Wachee Springs counts.  But I did go on a Cajun Swamp Tour in New Orleans that was pretty spectacular…

75. Been fired from a job – twice, though the second time was termed “closing your department,” but I wonder…

76. Seen the Changing of the Guards in London

77. Broken a bone – technically I did bruise my tailbone in a skiing accident, but there’s nothing they can do for that. The subsequent ride in the Ski Patrol basket was pure embarrassment, however

78. Been on a speeding motorcycle – so far, only in my dreams

79. Seen the Grand Canyon in person

80. Published a book – lots of stuff I have written has been published, but my book’s not done yet…

81. Visited the Vatican – the most memorable thing for me, besides the Vatican Guards’ uniforms, was the catacombs…

82. Bought a brand new car- thankfully I’ve enjoyed this pleasure many times

83. Walked in Jerusalem – no but I have a sister-in-law who has…

84. Had my picture in the newspaper

85. Read the entire Bible

86. Visited the White House

87. Killed and prepared an animal for eating – no, but I helped my Dad clean ducks he’d shot. That was close enough for me…

88. Had chickenpox – even gave it to my brother, who was just a few weeks old. Sorry, Eric!

89. Saved someone’s life – well I had to give my daughter Syrup of Ipecac once, so I think that counts…

90. Sat on a jury – called twice, but never chosen…

91. Met someone famous – Most notably,  “The Guess Who” came to our house and showed my son how to play American Woman on his guitar. Each played it a bit differently. We have pictures

92. Joined a book club – many times

93. Lost a loved one

94. Had a baby – Did that twice – a long time ago

95. Seen the Alamo in person

96. Swam in the Great Salt Lake

97. Been involved in a law suit – oh yeah. Thankfully I’ve always won, even when I was the defendant

98. Owned a cell phone

99. Been stung by a bee

100. Ridden an elephant – not yet, but I have a friend who arranges this in Africa, so I’ll do it eventually

Back to You: What’s in Store For You Goals-wise, in 2009?

Your answer, you understand,  is deeply rooted in your ability to set and achieve goals. The fact is, recession or not, you have the ability to achieve WHATEVER you desire. Perhaps you seek …

  • Robust health
  • Financial freedom
  • Enduring relationships
  • Wonderful friendships
  • Fulfilling family activities
  • True happiness

Whatever your desires, any and all of them are possible once you take the first step by setting goals for achieving these experiences.

Of course, to do it right, you really need to have a variety of goals:

  • Short term goals (goals you can easily accomplish in one day to one year)
  • Mid-range goals (goals which you can attain in one to three years)
  • Long term goals (goals that will take you three to five years to realize)
  • Finally, of course, you still want to maintain your “bucket list” goals  (those big picture things you want to experience before you die)

When you set goals strategically, you start by planning the long term goals.  You then carefully break down each goal into specific steps  to develop your mid-range goals.

Then, for each mid-range goal, you  ask yourself what you need to do to accomplish each one.

Use those answers to create your short term goal list.  These become your “To-Do List” each day for the next year.

Your goals list should not be about only those things you want personally …

Of course, there’s no need to limit your goal-setting to things you’d like to accomplish for yourself…You can also work out what sort of legacy you’d like to leave:

  • For the world
  • For your business
  • For your family

You can create goals related to anything that you can affect as well as anything that you want to participate in. It’s all fair game.

For example, do you long for world peace? Don’t let the dream die because you think it’s more than you can accomplish. Instead:

  • Put world peace on your long term goals list
  • Then figure out a way to make a peaceful difference in the world via your mid-range goals
  • Start building toward peace immediately via your short term goals – for example, you could start by participating in other people’s peace-generating activities

Regardless of what decide to you do, remember this:  Albert Schweitzer once said, “Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.”

In short, if you want to achieve all of your goals in 2009 and beyond, your first step is to  make sure that you include everything that will make you happy on your goals list AND make sure that you are focused on doing something you love!

That’s why it is so important to follow your passion in building a business.  Unless you have a true passion for what you are doing, you will find it all but impossible to succeed.

When you follow your passion, you’ll not only experience  success — but happiness will be its twin.

What Sort of Success Will You Create in 2009 and Beyond?

The answer depends on the goals you set for yourself and the action you take to achieve them.

If you’ve never before used goal setting to help you achieve success and happiness, here’s a program created by the fabulous Gina Gaudio-Graves that is guaranteed to help you realize your goals.

Don’t let yourself down or your goals die. The legacy you want to leave is too important to the world.

Download this highly recommended goal-setting package from Gina Gaudio-Graves today at:

—> Miracle Motivational Package

Are You Worried, Fearful the Recession Will Bust You? Don’t Just Wait for Obama. Why Not Motivate Yourself to Start a Business That Creates Your Own Economic Stimulus Plan?

Got Your Own Recession Busting Stimulus Plan?

My friend Kathy has been a motivated and highly successful Realtor in beautiful and historic Galena, Illinois – a community whose lifeblood is tourism –  a for about 30 years. Regularly one of the top selling agents in her MLS, she loves her work and has lived through boom times and bad with the knowledge that everyone needs to have a home. Hers has always been a business marked by sales awards and steady growth.

  • But, along with almost 100% of the Realtors in the country, she found 2008 to be a real financial challenge. With little or nothing she could personally do to turn things around.
  • Which is probably why she sent out Christmas cards this year featuring a photo her husband took of her with Barack Obama back in 2004, when he was in town, campaigning for the Illinois senate. (She’s what you’d call a long-term Obama fan.)
  • For the past year, her hopes have been that he’d win the presidency and turn the economy around – and that he could take action quickly enough to get people confidently buying real estate again.
  • Naturally, she’s delighted Obama’s presidency is off to the fast start the whole world has been praying for…

Financially, We’re Not Out of the Woods Yet, Of Course. This Recession is Just Too Deep to Turn Around in Less Than a Month.

Obama may be a man with a plan and a compelling vision of hope. But even Kathy knows he doesn’t have super-powers. Nor did he come equipped with a fairy godmother and a magic wand… And we still live in the real world. There’s still a lot of hard work – and painful decisions – ahead:

No Doubt That’s Why You’ve Heard President Obama’s Cautionary Soundbites On the News This Past Week:

  • “We are in the worst economic crisis since the Great Depression”
  • “2009 will be tough”
  • “Things may get worse before they get better”
  • “We must take dramatic action now, with regard to the American Recovery and Reinvestment Plan, the economic stimulus package, tax cuts…”

Meanwhile…

  • Back at the ranch
  • Over in your neck of the woods
  • Or wherever in the world you like to hang out

January – with its excitement of the new year and the inauguration – has segued into the chill of February. And the hot dragon breath of recession and economic crisis no doubt continues to flick at your ears, as:

  • More Americans filed for unemployment in January than at any time in the last 26 years
  • A recent New York Times editorial opined that there’s “no guarantee that today’s battered 401(k)’s will rebound powerfully. People close to retirement don’t have time for a do-over. Even for those still far from retirement, there’s no telling how stocks will perform in the future. “
  • Big companies around the globe continued to announce plans to lay off tens of thousands of workers. A quick analysis of world headlines finds the following major firms announcing personnel cutbacks:
    • Caterpillar (20,000)
    • Sprint Nextel (8,000)
    • Home Depot (7,000)
    • Boeing (10,000)
    • Macy’s (7,000 workers cut, plus they cut their quarterly divided, and said they’re integrating all divisions into a single unit, as they expect 2009 to remain very tough for retail)
    • Starbucks (announced plans to close 300 under-performing stores worldwide and lay off 6,700 workers, mostly in the US )
    • The anticipated Pfizer Wyeth merger (which will result in a net loss of 8,000 jobs)

As Ann Landers Used to Say, “It’s Time to “Wake Up and Smell the Coffee:”

The question you must now ask yourself is “What have YOU planned to do in 2009 to keep yourself financially solvent??”

In case you were too busy to take action earlier due to:

  • The year-end holidays
  • The election or
  • Your own personal financial implosions

You need to know this: It’s not TOO LATE for you to RESOLVE to spend 2009 focused on generating income via consistent activity related to your skill sets and your big ideas!

Especially if You’ve Recognized That 2009 is Not Just the Chinese “Year of the Ox,” But Probably Also the “Year You Must Become Self-employed.”

And why wouldn’t you be starting to realize this? Obama may be quickly putting solid plans in play, but you’ve been around the block a few times. You’ve heard all the cautionary talk, and you know you don’t have time on your side:

Most people agree that it’s going to take at least two years – possibly longer – to get our economy straightened out again.

And, as a Boomer, someone who might have had plans to retire in as few as two years, you know you’ve got to take action. You can’t just wait for the “man from the government, who’s here to help”  – even when he brings with him as much hope as Obama does…

With so much to do, and so little time, your first step has to be to resolve to get motivated to take some action – after you chart your own personal recovery and reinvestment plan!

>Not Sure If Now Really Is the Time to Start Your Dream Business?

The truth is, 2009 is the perfect year to start. Done right, the economy can actually help you break all kinds of records for a start-up business generating sales, revenue and profits. Which is why there has not been a better time in the last 70 years to go out and build a business. You know why?
Because everyone else is pulling back! That means, for instance, that ad rates are cheaper now, so it costs you less to find buyers – provided you have pinpointed the messaging that is going to resonate with your ideal prospects…. and you’re absolutely clear about where you’re going with your business, and how you’re going to get there.

What? You’re Panicked and Not Buying This Concept?

Well relax. Fear and panic won’t get you anywhere. But strategic planning accompanied by proper motivation will.

As proof, take a look at the front page of Advertising Age for January 26, 2009.  Hone in on the article that says, Marketing’s New Red-Hot Seller: Humble Snuggie”

  • You know what product they’re talking about: those slightly silly-looking  blankets with arms that have been advertised all over TV these last few months… You can probably recite the commercial from memory, so you know they come in 3 colors and you can get two of them –  plus two book lights – for $19.95 plus shipping and handling…
  • Turns out the manufacturer has sold 4 million of these quirky little blankets with sleeves in just over four months which represents just under $40 million in retail sales.
  • And the products are not only back-ordered, they’re flying out the door as fast as the company behind the idea can get their Chinese suppliers to crank them out…
  • Here’s how popular this item is:

    • Not only has Ellen DeGeneres jokingly worn one
    • Fox News actually honed in on a woman wearing one at Obama’s inauguration
    • And the product has inspired more than 200 parody videos on YouTube – as sure a sign of success as anything

    Now Think About It: Haven’t YOU – At Least Once or Twice – Had an Idea for a Product As Simple – and On Target – As This One?

    Thought so. Most people have. Problem is, too few take action to turn these personal flashes of genius into income-generating products.

    Now’s the time to review those great ideas you’ve shelved somewhere in the back of your head and dust off any that might fit a similar mold. That is, products that are easy to produce and fill a need.

    Especially if – like the Snuggie – they are product ideas that can help people in at least one of these four crucial ways:

    • Save money
    • Make money
    • Relieve pain, or
    • Do something they have to dono matter what the economy (except, of course, that you can show them how to do it better, faster, easier, with less trouble)

    Add to That the Concept of: Do What You Love And the Money Will Follow

    Whether you’ve been laid off, are anticipating that a layoff might happen to you later this year, or are simply trying to figure out how you’re going to be able to retire in a few years, now’s the time to take a clue from experts like Loral Langemeier and figure out how to make some additional money doing what you already know how to do. Especially if it’s something you love to do AND it fits the criteria listed above.

    • Just getting a new job isn’t going to do it for you right now.
    • Nor will panic and fear get you anywhere.
    • Your best option today,  no matter whether you’re “still employed but worried,” or just lost your job, is to start figuring out how you can generate some new money. Money that will allow you to recession-proof your income.

    But What If You Can’t Afford to Spend Money on a Great Business Coach to Help You Get Started?

    No doubt there’s a lot of work you’ll have to do to get your business off the ground. The fastest and quickest way to do this is to work with a counselor or coach.

    • But that takes money, which is something you’re no doubt short on right about now…
    • Your next best option, instead of hiring someone to coach you one-on-one,  is to find a reliable online coaching program that’s readily available and free.
    • Gina Gaudio-Graves has a great one: Take a look at her 30-Day IM Challenge. Luckily for you, the latest challenge is just about to start. You’d be smart to take a look at what she’s offering.

    The 30-Day IM Challenge is Packed With Hundreds of Pages of Solid Information – All Free – And Since It’s a Contest, There Are Even Prizes to Further Motivate You!

    According to Gina, the biggest problem people have with completing the challenge is staying motivated to keep up with all of the training. Of course, you can work your way through it slowly. But since your goal is to get yourself into a position where you are generating some new money as fast as possible, taking it slow isn’t the best option. Especially if you want to with the prize, which is a free one-year coaching program with Gina, worth over $5,000.

    Here’s something guaranteed to help you focus and stay motivated, so you can keep up with the 30-Day IM Challenge and win:

    It’s Gina’s fantastic Miracle Motivational Package.

    You owe it to yourself and your future to find out what’s included in this program. Especially since just reading Gina’s story will motivate you!

    Can you imagine:

    • A car accident ended her legal career
    • Doctors gave her 12 months to live
    • When doctors said there was no hope – she used motivational techniques – which she shares with you – to save her life. She not only overcame her paralysis, learn to walk again, and figure out how to pay for $9 million in medical bills –
    • She also dedicated her life to helping one million people learn how to live the life of their dreams

    Discover How Gina Turned Her Life Around – And How You Can, Too!

    • Learn to motivate yourself to overcome everything that’s dragging you down right now, including this recession and your current financial frustrations!
    • Grab her Miracle Motivational Package today.
    • And don’t forget to sign up for the upcoming 30-Day IM Challenge!

    One month from now – when everyone else is moaning about how the recession has only gotten worse – you’ll be so glad you did!!

    “Joe the Plumber” Isn’t the Only Entrepreneurial Wannabe: Haven’t You Wondered Whether You Could Successfully Fund Your Retirement by Starting Your Own Small Business?

    Small Business Owner Wannabe? Yes You Can!

    If you watched the third and final presidential debate earlier this week, you heard both candidates talking abut how their economic development and tax plans would benefit Joe Wurzelbacher, aka “Joe the Plumber,” a Toledo, Ohio man who’s considering buying the plumbing business where he currently works – for somewhere between $250,000 and $280,000.

    Both candidates attempted to make the case that their plans for taxation and business development would benefit more Americans. Who won the debate – and the hearts and minds of Americans – will be determined in mere weeks now. But that isn’t the main point of this post: Helping you decide whether or not to buy or start your own small business is.

    See, “Joe the Plumber” Is Not the Only Baby Boomer Considering the Entrepreneurial American Dream of Business Ownership. Likely You Are, Too!

    For many Baby Boomers, born between 1946 and 1964, the concept of retirement has a very different meaning than it did a generation ago. Many of you are looking into starting your own business to support your retirement – or semi-retirement. Actually what some people are starting to refer to as “unretirement.” And why not?

    After all, several recent studies indicate that roughly 63% of non-retired adults in the United States plan to work into the time periond that used to be called retirement. Why? Your reasons may be different, but here are some popular ones:

    • Two-thirds of you say your key reason is that you enjoy your work and you want to stay mentally engaged
    • About half of you have a concern over not having enough money to cover your basic living expenses once you are old enough to collect Social Security
    • The current economy has left many of you with decimated home values, mountains of bills, and vanishing 401(K)’s
    • Only 28% of you report confidence in your ability to pay for projected medical costs – especially since many of you won’t have health insurance after you retire -and you can easily expect to live another 20 to 30 years

    On the Plus Side You Can’t Ignore the Very Real Benefits Of:

    • Your years of valuable work experience
    • Your maturity and judgement
    • Your health and vitality

    Actually, There Are as Many Reasons for Starting a Small Business as There are Americans Reaching Retirement Age

    At the very least you have to consider:

    • Corporate layoffs
    • The need to supplement your current income
    • Your desire for a more flexible lifestyle
    • Your recognition that advancing technology has leveled the playing field for many small businesses
    • The very real opportunity to realize your personal ambition to be the boss and reap the rewards

    It All Adds Up: More and More Boomers Find Financial and Personal Fulfillment in Running Your Own Small Business.

    “[Boomers] stand at the portal of advancing age more driven by their desire to stay engaged with achievements and family relationships than by the value of their portfolio,” says Carol Orsborn, an author and expert on marketing to Baby Boomers. Here are some other relevant facts:

    • A study by Merrill Lynch and Harris Interactive found that 45% of Americans approaching retirement never plan to completely stop working
    • You can often deduct some of your health insurance premiums from taxes if you’re self employed and Health Savings Accounts (HSAs) offer more savings.
    • Americans over the age of 50 make up a disproportionate share of the self-employed workforce, about 40 percent compared to 25 percent of the overall workforce according to a 2002 AARP study
    • Americans in their 40s and 50s expect to “retire” at age 61 but will continue to work until around age 70 according to Merrill Lynch and Harris Interactive. During these 9 years, many of you believe the ideal work arrangement is to “cycle” between periods of work and leisure (42%). And only 17% of you hope to never work for pay again
    • The top-10 most popular franchising industries according to a report in USA Today are: fast food, service, restaurants, building and construction, business services, retail, automotive, maintenance, food retail, and lodging
    • A new franchised business opens up in the United States every 8 minutes, according to Price Waterhouse Coopers.  Average initial investment is $250,000
    • Only 37% of the Boomer generation indicated that earning money was an important reason to keep working according to Merrill Lynch and Harris Interactive.  67% thought challenge and mental stimulation would motivate them to continue to work. The same study found that of Boomers who plan to continue work, nearly two-thirds want to pursue a different line of work.
    • The number of franchised business in the US has grown to 850,000 from 760,000 in the past six years according to an International Franchise Association report. The number of “franchise concepts” has grown to 2,500 from 900 in 3 years
    • 75 industries use franchising to distribute goods and services according to Price Waterhouse Coopers

    Undoubtedly it’s facts like these that led the US Small Business Administration (SBA) to unveil a new section of their web site earlier this month, aimed directly at you, the country’s most rapidly expanding group of entrepreneurs.

    The new Small Business oriented site is designed for you if you are a 50-plus entrepreneur seeking information on starting, growing and expanding a small business.

    “The SBA is working hard to increase opportunities for small businesses of the Baby Boomer generation at every stage of their business development through better technology tools and effective services through the agency’s district offices and resource partners,” said SBA Acting Administrator Sandy Baruah in a statement. “We believe 50-plus entrepreneurs will drive significant new business growth in the coming years.”

    The new site has been designed to help you evaluate the pros and cons of business ownership after age 50 and provides advice on how to treat different phases of business growth. It includes a series of free online course on topics like:

    • Small Business Primer: Guide to Starting a Business
    • How to Prepare a Business Plan
    • How to Start a Business on a Shoestring Budget (Trump University)
    • Franchising Basics
    • Technology 101: A Small Business Guide

    In addition you’ll find:

    • A tool to you measure your business readiness
    • Information on borrowing and credit
    • Encouraging success stories from other Baby Boomer small business owners

    There’s Also a Section Called “Bootstrapping Basics” That Offers Training Tools Such As “Traits of the Successful Entrepreneur”

    Here, you learn that:

    • Just as not every idea is well suited for a shoestring start-up, not every person is well suited to be a bootstrapping entrepreneur
    • “When it comes to starting a business on a shoestring budget, two of these traits are especially important. An entrepreneur must be passionate about his start-up business. It can be long time before you really start reaping the rewards of your business, and it can be easy to let other endeavors distract you. Your passion is what will keep you focused on moving your idea forward
    • “Too much caution can stand in the way of a successful start-up.”
    • A bootstrapping entrepreneur must also be something of a risk taker. You must be willing to experiment. If the first thing you try isn’t working, you have to be able redirect your efforts and try another approach.”
    • “Successful entrepreneurs share some common traits that help them meet the particular challenges starting a business puts before them. They include:
      • Passion
      • Tenacity
      • Persistence
      • Self-reliance
      • Risk-taking
      • Focus
      • Curiousity

    The SBA’s Self-Paced Training for 50-Plus Entrepreneurs Is A Good Idea, But It Lacks Passion – and a Mechanism to Keep Your Focused and Moving Forward.

    If you’re serious about building as business to support your retirement there is no time to waste. You need to get started now, and you need to get training from a reliable resource which will keep you focused and moving forward with passion.

    In my opinion, you’ll be much farther along in your business development efforts one month from now if you work with Gina Gaudio-Grave’s program, The 30-day IM Challenge instead of using the SBA’s self-paced training.

    What Have You Got to Lose? It’s Priced Right, and A Stronger Program

    In the past I’ve recommended Gina Gaudio-Graves free 30-Day IM Challenge program and I stand behind that recommendation. Also free, it gives you all the knowledge you need to succeed with your own business, whether you decide to go home-based or not.

    In Addition to the 750+ Pages of Training, Plus Recordings and Videos, the 30 Day IM Challenge Gives You Weekly Group Phone Calls and an In-depth Forum, Where You Can Ask Questions of Gina’s Apprentices, Who Are All Successful Graduates of the 30-Day IM Challenge.

    So, if you’re considering starting a small business to supplement your retirement income,  the only questions still left for you to answer are:

    • Do you want to succeed?
    • Do you have what it takes to own your own successful business?
    • If not, are you willing to work hard to acquire it?
    • Are you ready to launch yourself into prosperity despite the gloomy economy?
    • Or would you rather stick your head in the sand and wait until things are “easier.”

    If you opt for the last option, keep in mind that while you wait your chances for enjoying a comfortable retirement will be steadily shrinking…

    “Joe the Plumber” is not waiting. Don’t you hold off either!

    Nest Eggs Shrinking, Home Prices Falling, Financial Anxieties Blooming: Should You Put the Brakes On Retirement Planning and Power Up Those Dreams For a Business of Your Own?

    Is The Economy Choking Your Retirement Plans?

    Are You Worried About the Economy?

    Who isn’t? After all, if you haven’t already experienced major losses, you’ve been hearing from a host of respected financial experts – like Brett Arends who writes the “ROI” column in the Wall Street Journal – who are wringing their hands, while telling everyone to “bite the bullet,” and “stash your cash” as they frighten you with stories of a pending depression, should our economy continue spinning into freefall.

    Meanwhile, as the news flows, the Dow pumps up and down erratically, sort of like your blood pressure.

    In case you missed today’s column, Arends wrote:

    Cut everything.

    Drop your cable package and TiVo. Say goodbye to Applebee’s and Starbucks. Cancel the ski trip.

    Slash every single penny you possibly can from your household budgets and start building up cash.

    Yes, I’m serious. The shocking collapse of the rescue package on Capitol Hill threatens a disaster on Main Street. Unless this gets reversed almost immediately, it could turn a slowdown into a slump, and a slump into a depression.

    It’s hardly possible to make any sensible recommendations about investments or other financial matters until we get a better sense of what will happen next.

    Ordinarily in a panic like this I’d be urging people to invest. My usual approach is that the worse people are panicking, the more aggressively you should buy. And that might still be the right thing to do.

    But the political and financial situations right now are chaotic.

    So you need to get an iron grip at least on one thing you can actually control: Your own personal budget. 

    Whether or Not Everything Will Actually Sort Itself Out Without Further Disaster is Small Potatoes for Baby Boomers.

    You’re not so much concerned about having to slash your Starbucks budget as you are terrified over the impact this economy will have on your retirement planning. Worse, you realize there’s the potential that you’re going to have to forget about retirement entirely.

    Perhaps you’re even mentally trying on the smock of a  megastore greeter or a burger flipper and contemplating the prospect of standing on your feet and smiling at strangers for the next two or three decades – just so you can qualify for group health insurance.  Slaving away day after day, year after year, until you keel over dead. Not a pretty image, right?

    Getting back to present day reality, certainly the numbers are not good. Bear markets are particularly tough on people who are close to retirement. Especially if that nest egg you spent years building up has suddenly lost a good part of its value – or vanished entirely.

    But as discouraging as it is to think about having to rebuild your portfolio via working a few more decades, these are thoughts Baby Boomers need to consider, according to financial planners and researchers.

    They point out that even if the real estate market hadn’t tanked, and the banks hadn’t failed, many Boomers had already been jeopardizing their futures by  ignoring the retirement planning process and as a result, grossly underestimating how much money will be needed to fund two or three decades of retirement. Because of these major miscalculations, many Boomers were already leaving the work force carrying nest eggs with premature expiration dates.

    Consider this: Even before the current financial meltdown, less than one-quarter of workers age 55 and older — just 23% — have savings and investments totaling $250,000 or more, according to a study published in April by the Employee Benefit Research Institute in Washington. About 60% have less than $100,000.

    So the most important economic point Baby Boomers must be thinking about RIGHT NOW is this:

    At This Time In Your Life, There’s Only One Economy That Matters: YOURS

    The bottom line is, our global financial system is in rough shape and the final consequences are still a murky mystery. But that is largely out of your control. Even though you may have already  experienced significant financial repercussions, you must let this point guide you at all times:

    “At the end of the day, it DOESN’T MATTER what “the economy” does, all that matters is what YOU do.”

    When the headlines are blaring doom and gloom, it takes a strong mind to stay focused on what matters most: The reality is, it doesn’t matter what “the economy” does: All that matters is what YOUR personal economy does.

    With that in mind, right now is the best time to take charge of your financial life, and take on the challenge of retirement planning like never before. When you do that, according to Loral Langemeier, you’ll find that it’s not only possible to survive in this economy, you’ll actually be able to thrive.

    Now, considering that the stock market had the biggest one day dollar decline in its history just a few days ago, the concept of thriving instead of just barely making end meet, is a truly wonderful. After all, it was that shock that might have had you swallowing hard and considering what it might be like to have to stay in the workplace a few more years, just to bring your personal financial base back to where it was… 

    Now, if you decide you want to continue working for an employer, that’s OK, as long as you stay in the workplace on your terms. After all…

    Many Financial Experts Have Suggested That Our Country’s Pending Economic Woes Could Be Overcome if Baby Boomers Would Choose to Work Longer – Especially When Considering the Challenges Related To: 

    • Supporting Social Security and Medicare
    • Overcoming the workforce brain-drain and labor gap anticipated by 77 million Baby Boomers retiring in a short period of time  
    • Alleviating the need to draw down on federal benefits, or liquidate investments, home equity and savings to fund two of three more decades of living, and as a result leaving more money for your children’s inheritance
    • Putting an end to intergenerational warfare and the now-popular sport of “Boomer bashing“
    • Potentially injecting $3 trillion into the economy each year, resulting in a 9% increase on Gross Domestic Product by 2045

    On the other hand, the best way to get out of debt and be financially free is to create new money and build wealth. And you’ll never do that as an employee. Short of investing your earnings in the market, that means finding some way to generate income on your own, even if you start small, simply by selling items you own but no longer need on eBay or Craig’s List.

    Once you get comfortable with the concept of finding ways to create more money, you can thumb your nose at Mr. Arends, and the other financial experts who’ve been advising you that you’ll have to give up your Starbucks, TiVo, that upcoming ski trip — or date night with your spouse or friends.

    Meanwhile, Guess What? The World Didn’t End When the “Great Financial Bailout” Failed to Materialize On September 29th. No, the World Continued On, and People STILL Need to:

    • Eat…food on the table continues to be a constant requirement for everyone
    • Enjoy solid roofs over their heads…
    • Look after their kids…
    • Advance their careers…
    • IN fact, they still need to pursue any one of the million-and-one things we human beings need to do *regardless* of the financial weather outside.

    In Other Words, Day-to-Day Business Goes On, Even When Wall Street’s Business Goes Down the Drain.

    Don’t let the headlines pull your attention away from that major reality:

    The world goes on and people still need businesses and organizations to support their endeavors.  So perhaps now’s actually the perfect time to dust off those long dormant dreams of starting your own business.

    After all, if you start a “third act” or retirement business as a cash machine to fund your retirement planning, you – and no one else – are in charge of your wealth building efforts. You call the shots with regard to your hours and your involvement.

    • If you choose your business niche properly, there’ll be an ongoing need for your product or service, no matter what happens on Wall Street.
    • In other words, once your business is set up, the money keeps generating, while you work or play as you please.
    • You can even give the business to your kids, or use it to fund charitable work in your name.

    Worried About Starting Up a Business In A Down Economy?

    Here are some facts that will help you keep your head together and focused on the real financial opportunities awaiting you in the days ahead:

    First: The Speed of Our Economy May Have Declined, But It Won’t “Flat-line”

    Few people realize that many of the successful companies of our time were started in the depths of the Great Depression. There are thousands of them large or small. (You can prove this to yourself with your own Google search.)

    In fact, “Down Times” are great times to start businesses if you do it the smart way. Why? Several reasons:

    • Costs are lower
    • Skilled help is easier to find…and
    • A lot of your potential competition disappears from the marketplace

    Second: There Will ALWAYS Be People Who Have Money to Spend. The Real Concern Is, Will Your Business Know How to Find Them? 

    For example, looking to the Great Depression of the past as a worst case scenario, if you were wandering the Dust Bowl in the depths of the 1930s, you probably would have been wise to move somewhere else.

    • And it’s true that there was massive, brutal unemployment during the Great Depression 
    • Twenty-five percent of all American households were without a breadwinner
    • (You probably know that, you’ve heard the stories from your parents. No one has to tell you what a scarring experience the Great Depression was for millions)

    But here’s the reality…

    • 75% of the country was employed
    • These people were cautious with their money and they demanded real value, but they spent money every day on all kinds of things, even movies
    • Whole new industries like broadcasting, automobiles and Hollywood reached their financial critical mass during the Depression
    • Thousands of successful new businesses were started. Others grew massively

    Third: Smart Business Owners Thrived During the Great Depression – And If Another One Comes, They Will Do So Again.

    Here’s another amazing fact:

    FEWER businesses failed in 1929 than failed in 1928 and 1927. 1929 was, of course, “D Day” for the Depression. That’s when the sky fell for “the economy.” And yet, on the micro-level – where we all live – there were *fewer* business failures.

    Why?

    • Smart business people are flexible, can adapt to the times, and find today’s opportunities.
    • Owning a smart business (or better yet, several smart businesses) is the greatest financial security there is.
    • It’s also the only reliable source of true wealth financial experts recognize.
    • But owning your own business is serious. It’s not something to play at. Nor, realistically, is business ownership something that will effortlessly bring you riches overnight.

    So let’s get real: 

    Here’s Your Bottom Line: Whether You’re Running Your Own Business Now, Or You’re Currently An Employee Who’s Seriously Thinking it’s Time to Start Your Own Business, Will You Be Smart Enough to Survive the Coming Days?

    If you’re smart about business, there’s someone – and something huge – you need to know: Gina Gaudio-Graves and her fantastic, FREE business development coaching program, the 30-Day IM Challenge.

    Gina Gaudio Graves kicked off her third 30–Day IM Challenge this past Tuesday, September 23rd. But it’s not too late for you to get some FREE business startup help from one of the best business development coaching programs around.

    What, you haven’t yet heard of Gina Gaudio-Graves and Her 30-Day IM Challenge?

    Here’s a Little Bit About Gina:

    • Prior to a disabling car accident, she enjoyed an extremely busy legal career as a litigator. But an accident left her unable to get out of a hospital bed and wheelchair for almost 10 years. During that time, she turned to the internet as a way to spend her time and afford her medical bills
    • Eventually she experienced a miracle cure which allowed her to get out of bed and walk without aid. Doctors can’t explain it and she still has no feeling in her legs
    • On her feet again, Gina spent the next 4-1/2 years organizing Joint Ventures for some of the most successful people on the internet. People like Shawn Casey, Willie Crawford, Henry Gold, David Garfinkel, and many others
    • As a Joint Venture Broker, she earned the reputation of “The JV Queen” because her promotions were so hugely successful!
    • Today she is a coach and mentor to entrepreneurs looking to build a business using the power of the internet.
    • Whether the internet is the business owner’s only presence or their secondary presence, her information products and coaching programs show them how to get bigger results, faster
    • Gina’s areas of expertise include:
      Mindset
      Strategic Planning for your Online Business Presence
      – Product Creation and Planning
      – Joint Ventures and Strategic Alliances
      – Strategic Traffic Generation
      – Strategic List Building
      – Web 2.0
      Blogging
      – and many other aspects of building a business using the power of the internet
    • These days her mission is to help 1,000,000 entrepreneurs learn to live the life of their dreams through owning their own business, by the year 2013.
    • That’s why she came up with the idea of offering a free 30-Day Challenge, conducted online, allowing her to teach entrepreneurs EXACTLY how to build a business that will be a success!
    • Beyond that, she has a variety of paid information products and an Apprentice program, which is hugely successful 12-month long group coaching program.
    • Further, she also provides one-on-one coaching to a very a limited number of highly qualified students
    • Perhaps the thing that is the most impressive about Gina is the success percentages her students achieve. They are off the charts!

    The most important thing you need to know right now is the success rate of Gina’s students: It’s doubtful any of the “big name” experts can point to as many real student success stories as she’s helped create in just a few years.

    The 30-Day IM Challenge Gives You the Knowledge You Need to Succeed With Your Own Home Business.

    So the only questions still left to answer are:

    • Do you want to succeed?
    • Do you have what it takes to own your own successful business?
    • If not, are you willing to work hard to acquire it?
    • Are you ready to launch yourself into prosperity despite the gloomy economy?
    • Or would you rather stick your head in the sand and wait until things are “easier.”

    If you opt for the last option, keep in mind that while you wait your chances for enjoying a comfortable retirement will be steadily shrinking…

    Remember: There’s never an easy time to make money – and there’s never a hard time to make money…

    There’s only the right time which is always NOW

    You can still register for the 30-Day IM Challenge RIGHT NOW, for FREE and learn to live the life of your dreams through building a business using the power of the internet. You’ll find all the details at: 

    www.BoomerLifestyle.com/go/30day

    The 30–Day IM Challenge will walk you through every step of the process, one small step at a time.

    The 18+ Lessons – Totaling More Than 750+ Pages – Covers A Variety of Topics Hugely Critical to Your Success, Including:

    1. Time Management, Mindset, Goal Setting & Strategic Planning (You MUST have these foundations in place before you start anything else!! Gina explains why.)
    2. Choosing Your Target Market and Your Products (i.e. What is your niche?)
    3. Your Profit Funnel (i.e. What products will you sell?)
    4. Your Web Presence (i.e. Setting up Your Blog, why she recommends you use WordPress, and how to do it!)
    5. Resources for Creating Your Web Presence
    6. Increasing Your Traffic (it’s all about having a traffic generation SYSTEM that you repeat every day)
    7. Building Your Business on a Solid Foundation (without a solid foundation, your business is going to fail!)
    8. Avoiding the “Price Wars” Game (Find out why competing on price will not only decrease your profits, it will also decrease the demand for your products! Gina shows you why you MUST avoid this at all costs or your business will NEVER succeed!)
    9. Developing Your USP (That’s Unique Selling Proposition, and she explains the why and how)
    10. Building Strategic Relationships (With the development of Web 2.0, the internet is all about relationships. Build them strategically and you’ll totally DOMINATE your market every time!)
    11. Copywriting (Good copywriting skills must be learned. Without the right message, your business won’t succeed, no matter how much traffic you generate!)
    12. Traffic Generation and List Building (These go hand in hand! Gina shares tips and tricks)
    13. Using Blogs, Forums, and Article Marketing (Just because everyone is talking about Web 2.0 doesn’t mean that you should forget about the good ole’ days when Forums and Article Marketing were the ONLY way to drive traffic! They are just as effective today! And when you combine them with Web 2.0 strategies, look out!)
    14. Tying It All Together With Information Products (Remember — the Internet is the “Information Super Highway”. People are online because they want INFORMATION, not “stuff”. So give it to them — AND — make loads of money in the process!)
    15. Joint Ventures and Strategic Alliances (As “The JV Queen”, Gina shares her strategies for building some of the most profitable joint ventures online!)
    16. And Much, Much MORE!

    Plus, as a 30-Day IM Challenge Member, You’ll Have Access To:

    • All of the Lessons
    • The IM University Classroom (the forum where IM University students are actively discussing their businesses and what they’re doing to build them)
    • The daily podcasts with tips for implementing all that you’re learning

    Even Better, After You Register For the Challenge, You Can Upgrade to Become a Gold Challenge Member, Where You Also Get:

    • The LIVE Weekly Teleconferences with Gina’s personal help in building YOUR business and critiques of your website(s), blogs and business plans.
    • You’ll get mp3 recordings of all four calls too.
    • You’ll even get mp3 recordings from all 8 of the calls held for the 1st 2 Challenges, for a total of 12 mp3 recordings in all!
    • Since the topics don’t repeat from one Challenge to the next, this means you’re getting three-times the content!
    • As much help as you’ll need to rapidly get your business up, running, and actually getting RESULTS!

    This is a True Win-Win-Win Scenario

    First, you win no matter whether you’re:

    • Brand new to the concept of operating your own business and you’re still kicking around ideas for what kind of business you want, or
    • You’ve already got a business up and running but it’s just not seeing the kinds of results that you dream about

    Either way,  the 30-Day IM Challenge will help you build a business that can quickly bring you a 5–figure monthly income!

    • You’ll learn how to keep your new funds generating, reliably, month after month – no matter what the market does
    • Set your business up right, and this “third act” cash machine will keep churning out income, even if you choose to be off saving the rainforest, or cruising the world! 
    • And of course, you’ll be providing value to your grateful customers, the people who buy whatever it is you end up selling. (And this WILL happen, because Gina will have taught you strategies to identify and serve ravenous markets, who are starving for whatever it is you’re offering.)
    • Plus, you can set up your business to allow you to leave behind a legacy for your kids or a favorite charitable cause

    Now if that isn’t reliable long-term retirement planning, what is?

    In closing, keep this in mind: Gina’s current 30-Day IM Challenge may already be underway, but there’ll be a new one starting in a month or so! Why not check it out today! There’s no charge, it’s free! All you’ll be investing is a bit of your time…

    Do nothing and time’s a-wasting! And retirement is calling!

    Tick Tock!