Making money online, an update.

My last post a few months ago suggested that one could "Quit their Job".  Of course, that begs the question "What am I going to do for money if I quit my job?"

• Unless you have retired with a nice fat bank account and a pension (something that is extremely rare these days), you will either have to find another job, start your own business or turn to working online from home.
    
• Maybe you're not retired and the current job you have just isn't paying the bills. It is rare to have a paycheck that actually keeps up with rising costs of living.
• Maybe you don't even have a job or lost the one you had. This can put one in some pretty dire financial circumstances. If you have a family to support, rent or a mortgage to pay along with other normal day-to-day bills, you may be in some serious financial difficulties. You need to do something NOW to get some money coming in the door!
• Are you a stay-at-home mom or stay-at-home dad so that you can tend to your children while your spouse works all day? The successful "single-income" family is pretty rare.
• Are you an "Empty Nester" whose children have moved out and you are bored to tears with nothing to do all day?

I know, for many of you, this is a unfamiliar concepts. For us older folks that were taught the way to be successful in life was to "get an education, get a good job, work 30 years and retire".  Nice fantasy my friends but "that dog don't hunt anymore". Companies, even big companies, are closing their doors and laying people off right and left these days. Is a very sad but not uncommon story to hear that someone got laid off just short of their vesting period in the retirement plan and ended up with No retirement money and no health plan. One day, you're getting along just fine and the next day you find yourself jobless, broke and with a very dim future.  It ain't pretty but also not that uncommon these days. 

What are your options? There are a few;

• Freak out and scramble around like crazy trying to find another job that will likely only pay you half of what your were making. (Been there, Done that.) 
• Try to start your own business. Do you know how to run a business? Do you have the resources to even start your own business?
• Look to the online world of Internet Marketing and take the plunge. Without a "Mentor" this is very much a hit or miss proposition. There are plenty of shysters out there with huge promises of instant wealth for no work. Please?… Have you lost your mind?  Without a proper Mentor to guide you, success in this field can take a minimum of 6 to 8 months and very likely quite a bit longer. It can be done if you find the right vehicle and have the fortitude (and funds) to stick with it and make it work.

There is a solution!

The solution is to involve yourself in some type of Network Marketing, Affiliate Marketing or some other aspect of online work.  There are a million different "opportunities" out there, some you may have already tried with little or no success. I know I have with varying results.  

Some were a total bust, others made a little bit of money but took way too much effort for the return. Even if it was a moneymaking operation, like most, the opportunity eventually saturates out and dries up and the money becomes harder and harder to generate. 

You find yourself scrambling every day to keep the whole thing afloat.  I have been involved in online businesses that literally made me thousands of dollars for a few months and then just faded away. Pretty disheartening I know.

One of the things I learned along the way was that one needs to develop multiple streams of income and constantly be creating to keep the money coming in.

If you have a single stream of income (like a regular job for instance) and that stream suddenly dries up you're going to have a rough time of it. The trick is to set up and maintain multiple streams running simultaneously so that if one dies you can ramp up your efforts in another area to increase the income from that one while you look for a new one to add to your stable.

So what do I do now?

After much "testing of the waters" and fumbling around with several programs on my own, unsuccessfully I might add, I came across a person that had substantially demonstrated success in this area that was willing to take me under their wing and show me the ropes.  Along the way I learned this maxim... 

You do not need to reinvent the wheel.  The best way to get ahead in business and in life is to find someone that has what you want and is where you would like to be and then find out exactly how they did it and do the same thing. It is a simple concept although sometimes not necessarily easy, it is still simple. It is simple because you have an exact pattern to follow and thereby avoid taking the lumps of trial and error along the way. Your mentor has already done that so you don't have to.

If you are interested in such a program, simply click on the link at the upper right of this blog (Favorite Links) and proceed. I myself am deeply involved in this particular program because...

• It has an extremely low threshold of entry, 
• Requires no recruiting, (but you can if you wish. It's nice to share the wealth)
• No selling, 
• No websites or capture pages,
• No phone calls-in or out,
• No bugging my friends and family to buy products they don't want, 
• No AutoShip programs that leaves you with a ton of products filling your garage that you can't use or sell. (been there, done that)

It is very simple to do, the training is provided online 24/7 so you can work it at your own schedule and you can make from $200-$2000 or more a month in your spare time, only working a couple of hours a day.

It's working very well for me and I make money from it every day. You can too!

Good Reasons to Quit Your Job

Good Reasons to Quit Your Job

Newsflash!  The field of employment and jobs has drastically changed over the years.  In the early 1900s, a significant change occurred in the United States.  It was called the Industrial Revolution.  Prior to that, most people either worked for themselves on a family farm or were in an apprenticeship program, learning a trade so that they could start their own business.

The Industrial  Revolution created a huge demand for something new called an "Employee", someone that would work for an hourly wage on a production line, producing the products for that particular company to sell.  The problem was, there was no infrastructure designed to produce this type of worker.  Most people did not attend school, at least not past the elementary grades.  Formal education was not in high demand.

This demand for employees was what drove the creation of the School System.   Rudimentary at first, the school system and its methods were formalized over time and stabilized on the standard of Elementary school, High school, and College or University level training. With only a few minor modifications, this system has remained in effect until present time.  Its end goal, however, has not changed.  It is still designed to create employees.

Why would you want to quit your job?  Here are a few reasons:

The middle class is disappearing and may in fact be dead! 

The American Dream never really existed.  It was, in fact, a marketing scam.  A carrot on a stick devised by Industry and Education that told the workers the way to happiness was to get a good education, get a good job, be a good "worker drone", slave away for 30 or 40 years until you are old enough to retire and then spend your "Golden Years"  being taken care of by the system.  In the early days, this may have been somewhat true but times have changed.  The carrot keeps getting moved, retirement age keeps getting moved and taxes, inflation and government fiscal mismanagement and political infighting have essentially destroyed the dream.

You are no longer an asset.  Employees have become effectively a liability for a company.
Outsourcing of jobs, a huge increase in the use of "temporary employees" (to avoid having to provide benefits), computerization and robotization of many tasks have all led to the end result of effectively destroying the middle class dream.

Corporations don't like you!
If you have half a brain, and are reasonably competent, you will soon realize that you are being exploited and demand more money.   This doesn't bode well for the bottom line of the Corporation.  They want nice, docile worker bees that never question and never cause problems. Just shut up and do the job you were assigned to do and don't make waves.  Effectively, "superstars" have a target on their back.  You are giving the other worker bees bad ideas and causing dissension in the ranks.  Incompetent and ineffective management often fear people that actually think for themselves and that possibly question management decisions.  This is not good!  There is an old business school maxim called "the Peter Principle" that one gets promoted within the corporate structure to their level of incompetence, where they remain.  Very few forward thinking companies will actually buck this trend.  Think about it, current management has risen to their own level of incompetence so of course they are not going to break that system that got them where they are.

Money doesn't necessarily equal happiness.
A common question among job seekers is "should I take the job I like or should I take the job that pays more money?"  Being an entrepreneur myself, I would question the viability of taking any job at all of course. Given what I know about this field, for most, a job is a dead-end in itself. 
Leaving that aside, studies show that an increase in salary offers little to no increase in "happiness" above a certain level. Why is this?  Because of one basic fact: people tend to spend what they make.  If your salary increases $5000, you will increase your "lifestyle" and quickly consume that increase.  Then you will ask yourself, "where did all the money go?"  You really didn't need the things that you blew the raise on and now you need something else, another raise!  playing at the corporate roulette table of salary increases is not a winning tactic.

Take a close, honest look right now at how many people can make a major decision that can ruin your life!
Personally, I don't like it when one person can make a decision that can have a major impact on my life.  If you are in that position now, and are controlled by time and money, you have to kiss ass every day to not lose everything you've gained up to this point.  That really sucks!  The way to avoid this situation is to diversify.  Create alternate streams of income that dilute or mitigate the power that person has over you.  I understand that this can't happen in a day.  Start planning now to create your own destiny.  Instead of allowing people you don't like to control it for you.

Is your job satisfying your "needs"?
How do you define needs?  Here is a suggestion: There are actually 4 "needs" that one may identify. 1. Your physical needs.  2. Your emotional needs.  3. Your mental needs.  4. Your spiritual needs.
Personally, I have had jobs in the past where I had to work far too hard and too long.  This was rarely satisfying for any of my personal needs.  The only thing it did was provide money. I have already addressed the issue of money not equaling happiness.
Yes, you can argue that not everyone is able to have all of those need satisfied at a job. Since we already know that the salary of a job will not make you happy, you can easily modify your lifestyle and at least work to satisfy more of your needs. The more these needs are satisfied, the more you will create a condition of true happiness and abundance in your life.

Excuses.
"I'm too old."  "I'm not creative." "I need the insurance." "I have to provide for my kids." Winners make things happen, losers make excuses.  Which do you choose to be?  I once ran into a person I hadn't seen for several years.  I didn't even recognize him at first.  When we had worked together on a job years ago, he was always looking bedraggled and beaten-down.  Life was not being kind to him.   Now, you is a totally different person.  He looked 10 years younger, was nicely dressed and had a big smile on his face.  So what had changed? About six months after I left that job, he got fired.  I'm sure at the time, it was devastating to him. .  He related this story to me; For the first couple of months he was frantic, trying to find another job so that he could support himself and his family.  Then one day, he had an epiphany.  He realized that he had actually been set free from the zoo!  He was no longer trapped by the virtual bars of an extremely stressful job that paid too little and satisfied none of his basic needs other than providing some money. He had chosen to make use of his experience and talents to start his own business.  At first, he wasn't making a lot of money but the freedom was exhilarating.  His happiness and exuberance soon allowed him to generate a large customer following and he was now making a substantial income, as well as handling all of his 4 basic needs very well.

It's okay to take baby steps.
"I can't just quit!" people will say. "I have bills to pay."  I understand.  Nobody's saying just up and quit one day and walk out the door and let the chips fall where they may.  One must plan their exit strategy and then implement it carefully. Before one can run a marathon, one must first learn to crawl then walk and then finally, run. Sit down right now and make a list.  List every dream that you ever had before life intervened and you were forced into being a drone.  These are not GOALS.  They are more like "themes".  Something to look at and be guided by every day as you decide what it is you need to do to make them happen.  The most important thing is to START.  Dreaming is not action.  Things happen when you actually take action.  And that is the key point.

Abundance will never come from your job.
Only when you make the decision to step out of your prison, your job, will you start down the path to abundance.  You may not be able to see it now, it's hard to do when you're looking through prison bars.  Abundance only comes when you're moving along your path toward your dreams.  When you are truly enhancing the lives of the people around you.  The money you make is simply a measure of your value to society.  When you increase your value to society, society will reward you.  It may seem counterintuitive, but it really is that simple.  You must give to then receive.

Make Money Online? Absolutely!!

Can one really make money online?

You absolutely can!  I put money in my bank
every day working online and you can too.

I began my online money making efforts a couple of years ago.  At first, I spent most of my time weeding out the scammers and less than ethical attempts of some to fatten their bank account at the expense of my own.  I fell into the trap of the "amazing magical secret" for only $97 to get started!  It soon became apparent that that was only the tip of the iceberg and that these guys would continue to reach deep into my pockets as often as they could. The $97 was just the beginning.  Upgrade offer after upgrade offer soon followed.

This process actually has a name;  it's called a "Traffic Funnel" and it is designed to take someone from a relatively low cost entry point into higher and higher cost programs.  It's all good though, these things work fine and often the programs are valid and can be amazing money makers.  They also filter out the "tire kickers" from the real players.

The real question is "Are you ready to actually receive this information?"

You see, the thing is, your head has to be in the right place in order to actually "see" the value of one of these programs.  If you are at heart a "wage slave" and consider that having a job, any job, is the best thing going for you, you probably will not be very warm to one of these programs. It would mean that you would have to do something you are not comfortable with.

To actually change your situation in life
you must change You first. 

You are where you are in life because that is where your mental outlook allows you to be and that is where you are most comfortable.  To change things, you need to actually step into your area of uncomfortableness.  To have the things in life that you really want you must be willing to do things that others are not willing to do.

Are you ready to step out of the box?

If you are ready to take a look at a real opportunity that pays you every day straight into your Paypal account or by direct deposit and has NO START UP COST then give me a call at my toll-free number 877-466-8504
or drop me an e-mail at YourGoodMoneyLife@gmail.com

Talk to you soon!
Dana

Starting Your Own Business. Are you the reason it didn't work?

Nothing will change until YOU change.

It has been said many times over; "Doing the same thing over and over again and expecting different results is a workable definition for insanity."

Nothing will change in your life until you make a decision to change yourself and do something differently than what you have been doing. You are where you are in your life because that's where the things you have done and the decisions you have made have put you.  

Are you broke?  Do you have a job but hate it?  Are you unemployed?  Are you driving the car you want to drive or living in the house you want to live in?  Are you saving money for retirement?  Fairly simple questions aren't they?  For most people, the answer is NO!  The real question that needs to be asked is "Why am I in this position?"

 Excuses-Excuses-Excuses

Yes, yes, we have all heard all the excuses.  "I need a better education."  "It's the economy!"  "My boss hates me!"  "It takes too much money to start my own business."  "I've thought about starting my own business but all my friends said that I couldn't do it."  I could fill pages and pages with the excuses I have heard.  When push comes to shove, they are just that, EXCUSES!  

It's only human nature to try to blame something or someone else when things go wrong.  Remember, when you point a finger at something else, there are three fingers pointing back at you!  Majority Rules!  You, my friend, are the real problem.  You can't fix a car with broken tools.  You can't fix your life if you are broken.  So the first place to start fixing your life is fixing yourself.

If you don't fix yourself, nothing will change.

 Self-evaluation is often uncomfortable. People around you, and life in general, do a fine job at beating us down.  Why should we participate by doing it to ourselves?  Because if you don't, nothing will change!  When it comes down to it, YOU are the central figure in your life.  What you do affects every thing else in your life. It's not being selfish or self-centered to focus on yourself and what you are doing.  It's survival!  If you don't survive well, others that are connected to you will not survive well either.  Be it coworkers, your family, your friends or just people in general, if you are doing poorly it impacts everyone else in some way. On the other hand, if you are successful and thriving, it benefits those around you.  

When you are doing well, you are upbeat and excited about life.  The people that you come in contact with can be positively effected by this. If you have money to spend, it benefits the businesses you patronize and the economy in general.  Being upbeat and excited is like a beacon on a dark night.  It draws people to you and lifts their spirits. It provides people with an example that one can win at life.  Wouldn't you like to be that example?  You can be!

Okay I'm ready - How do I start?

 

The first thing you should do is to look at where you really are.  Strip away the social veneer and really look at where you are in your life.  This establishes a starting point so to speak.  Without a starting point to measure against, how would one know if any progress is being made?

The next thing is to decide where you would like to be.  Call it a target or a goal.  Whatever it is, it's something you want to move toward.  Don't be overly concerned at this point about how you're going to achieve that goal or target.  That part will be discussed a little further on.

 

 

Wish - Want - Need - Got

 

Consider this concept: 

Wish; This is something you would "sort of like to have."  It would be nice, but it is unlikely you will put in the effort needed to get it.  As my father used to say "If wishes were horses, beggars would ride."

Want; This is something you would really like to have. This might be attainable but it's going to take some work.

Need;  A "Need" is something you are much more likely to put in the effort to attain.  "I need to eat" or "I need to put gas in my car or I won't make it to work" or "I need to pay my rent or I will be living on the street."  

It's amazing how it works.  Needs some how get accomplished.  Wishes and Wants are less likely to happen.

So what's the message here?  Turning your wishes and wants into needs.  It's a "mental" adjustment, that's all.  It's as simple as that, turn your wishes and wants into needs.  When you turn them into needs, you'll figure out how to get them. 

"Dream Building"

The goals or targets that you set should be real to you.  They should be something that you really need.  

Go-ahead, start dreaming.  But don't just do it in your head.  Make it real, write it down on paper, start collecting pictures of the things you really want.  Make a craft project out of it if you will.  Get yourself a poster board and start cutting pictures out of magazines and sticking them on the board.  Find pictures of the exact car that you would really like to be driving.  Pictures of vacation spots you would like to go to.  Pictures of the house you would like to live in.  Pictures of anything you want.  Be detailed and definite.  If you want a red BMW of a certain model, find that exact picture.  Remember, these are your "wants" that you're going to be turning into needs.  A picture of something "sort of like" the thing you want is not good enough.  It needs to be the exact same thing to work its magic.  

So..... where are we now?  By doing a sincere and honest self-evaluation, we have established our starting point. (Call it "Point A".)

By doing some dream building and then making those dreams real to you by finding the pictures of those exact things, (call this point B) you have now established the parameters of your journey.  Now you know where you are and where you're going.  Next comes the road map.  

To be continued..........

Where is the employment and business growth?

Which industries are growing and which are shrinking?

 Due to various factors, some industries grow while others shrink. This is important for those still in school and contemplating a career.  Training to be a buggy whip artisan these days does not hold much promise!

I recently read an article on LinkedIn that had a great graphic representing the industries that are growing or shrinking.

Quite enlightening!  Many of the solid, tired and true areas are shrinking. MY belief is that is somewhat due to the aging population. The areas of Health Care, Wellness and other related industries are projecting pretty strong growth.

What is to be learned from this?  If you are looking for employment, training for a future career or looking to move out of one of the more traditional, but shrinking industries, this is where you should be looking.

I myself have launched an online business in the Wellness field and it's growing rapidly. Proof in the pudding so to speak!

How Should I Handle My Money?

What money, you ask?

Although times are a bit tough right now, it has not always been that way nor will it continue to be. Everything has a cycle if you look at the numbers over a period of time. Various sectors of the economy move up and down like the tides. Nothing is static. Sometimes the cycles are complimentary, one moving up as another moves down. Some are linked and as one falls, so does its companion. Being aware of these cycles can be useful.

Your financial life is not a simple thing. Nothing is cast in stone and there are quite a few variables that determine how you should handle it. For some, their income is not all that predictable, such as those that are self-employed. Others, as long as they actually have a job (not a sure thing these days), can be pretty sure about the amount of money to expect each month.

The Five Areas of Personal Finance

• Cash Flow
• Proper Protection
• Debt Management
• Emergency Fund
• Asset Accumulation & Preservation

Let me address the "Cash Flow" part first. (part one of five)

How and where does your income come from? Is is stable and predictable? Is it enough? (Too much month left at the end of the money?) How do you manage expenses. Do you need to earn additional income? Do you follow a budget or track expenses?

The first step in good financial management is to be brutally honest with yourself and actually KNOW how much you really bring in each month from all sources and where it really goes. This is one of the weakest areas for most of us. A few weeks into the month and we are asking "Where the hell did it all go?" There are numerous ways to track this available for free in most cases. From something as simple as a $.50 pocket notebook in which you write down every penny you spend on anything to freeware programs for your Smart Phone and computer. Whether you use a pencil and paper or a spreadsheet, the point is, JUST DO IT!

If you really do this, you will soon spot the "leaks" in your cash flow. Now you will see areas that can be evaluated as to just how important the expense is in relation to your overall financial health.

Not enough money left to pay all the expenses? You have two choices here, cut expenses or make more money. In many cases, spending a few dollars here and there can be trimmed or eliminated with little loss of "life style". Are you spending $3-$5 every day in that coffee house? Did you know that you can get a 24 oz. coffee for only $.89 at 7-11 or Circle K or whatever local convenience chain is near you if you bring your own cup? Or even better, make your own at home and bring it with you. Still smoking? There is $250 or more per month. Damn! That's a car payment! Or that could buy you a $250,000 Life Insurance policy or fund an Annuity policy for retirement or for college tuition that has huge tax advantages! Basically, you can "find" extra money if you look for it without changing your quality of life and it may even improve it.

Next time: Proper Protection