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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!!