The Wealthy Entrepreneur

Next Generation Lead Generation

2008-07-15T12:40:00.000-07:00

If You Are Making $10,000/Month You Do Not Need This Tool.

Lead Generation is the leading key to explode your business, particularly in today’s market.

Have you ever wondered what would happen to your business if 20-50 Interested Potential NEW Customers called your Business every day beginning TOMORROW?
Your business would grow almost in spite of you, wouldn't it?

Get excited because you are about to learn about a new turnkey technology the takes the dirty work out of creating a flood of new prospects for a fraction of what it would cost you with all other forms of advertising!

"Successful people profit in bad economies as well as good economies because they are able to take advantage of market conditions by seeing the problems, finding solutions, and then being decisive in their actions ..." T. Harv Ecker

The Secret of a Millionaire

2008-07-07T13:40:00.003-07:00

The Secret of a Millionaire
Video sent by skclouse

Allow me to help you reach your financial goals.

2008-06-23T20:00:00.000-07:00

I'm evaluating a multi-media course on blogging from the folks at Simpleology. For a while, they're letting you snag it for free if you post about it on your blog.

It covers:

The best blogging techniques.
How to get traffic to your blog.
How to turn your blog into money.

I'll let you know what I think once I've had a chance to check it out. Meanwhile, go grab yours while it's still free.

Become Wealthy

2008-05-05T20:23:00.000-07:00

Oprah Winfrey - a multi-billionaire and one of the most generous people in the world-featured The Secrettwice on her show. She wanted to become an entrepreneur. Oprah said she'd been using The Secret'sprinciples all her life without knowing it, sometimes seeing her dreams come true almost effortlessly. Jack Canfield, co-creator of the Chicken Soup for the Soul series and teacher, life coach and motivational speaker, says he arrived at his enviable position in life because he knew and used the principles of The Secret.
John Demartini, a former surfer/panhandler who dropped out of school at age 14 because of disabling dyslexia, later learned the philosophy behind The Secretand graduated magna cum laude with a doctoral degree. Others who devoted show time to The Secret include Larry King, Ellen DeGeneres, TheToday Show, and Nightline.
All over the world, standing-room-only seminars are teaching the principles of The Secret and showing people how to change their lives.
The Secretis literally a life-altering phenomenon that is changing the lives of people who live not just in the United States, but all over the world. The book and DVD have made the top of every best seller list, and have sold over a million copies. In an interview with USA Today, author Rhonda Byrne explained that she discovered the ancient secret to getting everything you want through her study of religious and philosophical texts. As the tagline for the DVD says, The Secret"has traveled through centuries to reach you." Byrne gleaned ideas from great thinkers and creators, scientists and philosophers, artists and writers. It is very likely that many famous people from the past knew this universal law-for example Beethoven, Albert Einstein, Sir Isaac Newton, Leonardo DaVinci, and Abraham Lincoln.
You do not have to belong to any particular religious group to learn, use and benefit from The Secret. It's for everyone, regardless of their spiritual beliefs, IQ, education, current circumstances or station in life. In fact, the author discovered and mastered The Secret when she herself was going through a very difficult time. It helped her turn her life around, and she is eager to share what she learned with as many people as possible. Will you be one of them?
Many people who are convinced The Secret works have watched the DVD and read the book again and again. Why? Because they say that each time they discover another secret, something new. Many who were skeptical decided it couldn't hurt to try anyway, and were simply amazed at the growth in their businesses and in the improvement in their relationships and health.
What can The Secret mean for you? That simply depends on what you want. Let's start with getting on the path to rapid prosperity, with multiple income streams that take you from a just-getting-by frame of mind to thinking like a millionaire. It can all be yours when you learn how to attract wealth and success and surround yourself with others who have learned to use the powerful principles of The Secret to find unlimited wealth, vibrant health, fulfilling relationships, and abundant success in every area of your life.With the combination of action and intention, you can accomplish anything you want to, no matter who or where you are or what you believe to be true about how the universe works at the present time. When you adjust how you think, your life will correct itself.
Will you make the choice to use your own free will and determination to change your life, realizing dreams you never thought possible before?
Are you concerned that you cannot let go of old ways of thinking? That old habits will pull you back into the same old rut? The Secret's teachers and others who have used it to win financial, emotional, and physical freedom have tips, tools, and strategies that will help you learn how to use the philosophy of The Secret to change your thinking-and change your life! Whatever your financial, emotional, and physical realities are now, you can improve them immensely using the principles of The Secret.
Are you willing to truly explore personal and business possibilities and goals that you previously thought were unattainable-not only abundant wealth, but true happiness, inner peace, and joy.
One of the principles of The Secret is that you must be open to opportunity. Perhaps that is why you have read this far.
This is your opportunity. You, like millions of others, can quickly learn to apply the principles of The Secret to build financial success and security by starting your own home-based business. Through personal empowerment, you can accomplish anything you want to. You will learn all about how The Secret can help you build unlimited wealth. Before long, you'll find that you'll replace negativity and resentment about your life with gratitude that you have found a different path, a different way of thinking and behaving. You'll look back and wonder who that "other" person was!
You can start out small if you feel you need to keep your regular job. You probably already have the only tools you need-a computer, an Internet connection, and a phone. As you practice the philosophy of The Secret, your business will begin to grow with such unparalleled speed that you will very likely be able to quit your regular job and devote your energies to accumulating wealth, all the time spending long stretches of time with your family and building strong relationships with other successful, positive people like yourself.
Yes, it's true. It really can happen, and it can happen to you. This is the time. This is the opportunity. Take the first step, and I'll tell you how you can begin to tap into the great universal laws to reach your full potential.

Life Is A Series of Choices: How to Become Wealthy by Making Them

2008-04-29T10:40:00.000-07:00

Learn to accumulate wealth through personal development
About a year ago, I was on vacation sitting next to a father and his son. We were on a bus tour looking at homes of the "rich & famous." I couldn't help but overhear the conversation taking place in the seat next to mine. It went something like this: "Would you look at those houses, son... This is as close as we'll ever get. Can you even imagine?"
While listening, I was struck by the distinct difference in our thinking. The father spoke to his son as if their life would never give them that opportunity. Their fate was sealed, and all they could do was look.
On the other hand, I believed that if I wanted it and was willing to work hard for it, I could achieve it some day.
If you find yourself as the person gazing through the window at what you'll never have, you need to change your mentality. You need to begin to focus on what you can have, and what you will achieve.
Attaining success both financially and emotionally is possible with a home-based business. It is up to you to go after it.
OPERATING A HOME-BASED BUSINESS REQUIRES ATTITUDE.
I think Hal Urban says it best when he discusses life, money, success and the ability to choose in his book, "Life's Greatest Lessons: 20 Things that Matter." Mr. Urban writes:
"Life is a series of choices...
Look around you. What is happening in the lives of a large percentage of this country? Nothing much. And, whether they realize it or not, it's the result of choices: the choice to take what comes, the choice to let things happen, the choice to settle for less, the choice to let others do their thinking, the choice to merely exist from one day to the next."
Reading this statement was a defining moment for me. Life is a series of choices. You can either sit back and take what life deals you, or you can fight back, take charge, and determine your own path.
If you want and believe in something, you must take the next step and go after it.
To put this in perspective, I distinctly remember sitting with a friend who was discussing her financial woes. This person was stuck in a rut, both mentally and financially. I began to discuss the possibility of a home-based business as a possible outlet.
How did my friend respond? By saying, "I hate to stay at home. I could never do that... I would be bored to tears." And, in the very next breath, she was complaining again about not having enough money or job satisfaction.
So, there you go. A choice was made. She chooses to let her current situation continue to drain her instead of choosing to make a change to improve her future.
Life should not be dictated to you. It is a series of choices. It is there for you to make the most of.
What do you choose?
Right here at this website, I am offering you information about a business that you can operate from the comfort of your own home that is truly changing lives, including my own.
I have taken the initiative and have taken steps towards changing my future. I have gained tremendous personal development throughout the process. Remember: it is much easier to move forward in your journey towards personal development and find renewed confidence when you don't have the burden of debt, bills, and financial pressures weighing you down. Here are things to take into consideration when beginning your journey towards getting all that you want out of life:
Open your mind and be willing to reach towards new goals and dreams
Don't let fear be a part of the equation. Fear is debilitating, and can hinder you in everything you do in life. Disable that fear! Quiet it with renewed spirit and confidence by moving forward with your financial and emotional goals.
Openly accept change and welcome self-discovery
Be aware of your surroundings; appreciate the opportunities that life presents you.
Human potential is an amazing vehicle. With this business opportunity, you will be working closely with a group of individuals who truly care whether you make it - both financially as well as personally. It is not just about making the "quick buck" (although financial freedom is certainly a main ingredient!) It is also about finding inner peace and emotional stability.I encourage you to take that first step towards finding peace of mind, contentment, and a renewed confidence. Don't discount the role that financial freedom has to do with these important values. Free yourself from the burden of debt or financial worry. Afford the luxury to choose your direction and set your path.
Fill out the form below, and I will provide you with additional information about the opportunity that is truly shaping my life and allowing me the freedom to live out my dreams. I am living the life that I choose, not the life that is chosen for me by the circumstances surrounding me. I look forward to hearing from you!

Overcoming Debt: How to Become Wealthy

2008-04-28T09:49:00.000-07:00

Personal Debt is Skyrocketing
With the exception of a small rise in middle-class wages in the late 1990s, real wages have simply not kept pace with inflation. In fact, the median income of average households has fallen steadily for five years in a row. Despite these facts, consumption continues to increase. How can this be? The answer, unfortunately, is that people are incurring an increasing amount of personal debt. We're talking here about the 95% of us who are not wealthy, who are not saving enough for retirement, and who are bombarded constantly to buy, buy, buy.
It's true that the nation's economy is growing-how many times have you heard politicians point that out, while you wonder why you're still so far in debt? What they fail to mention is that the economic expansion is largely the result of people overextending themselves, using credit to buy such necessities as food and clothing, and even taking cash advances on credit cards to pay mortgage payments. A Federal Reserve study showed that 43% of US families spend more than they earn. The only way to do that is to use credit. And it's pretty obvious that if you use credit to spend more than you earn, you are going to be in debt.
The credit card industry collected 43 billion dollars in late-payment, over-limit, and balance-transfer fees in 2004. The major advertising ploy used by all the credit card companies sounds like a scene out of Brave New World-"You like it. You deserve it. Buy it." It's easy to fall into their supposedly people-friendly trap. But the truth is, they exist for one reason only, and that is to make money from you.
"Uh-oh, the mail is here."
With the typical American family now owing $19,000 on non-mortgage debts, it's no wonder that mail deliveries have become something to dread. Which bill is due or overdue? How much are the finance charges on credit card A, B, C, D...and on and on. (The average family has 13 credit, debit and store cards.) Sandwiched between the bills are offers from other credit card companies-or even the same ones you've already got. "Transfer your balances! No interest for six months!" Many people go this route as a way out. It can buy you some time, but it doesn't work forever. The proverbial piper must eventually be paid-and when that time comes, it will be worse than ever.

"But I always make the minimum payment!"
Making just the minimum payments on your credit cards will keep your credit picture in focus as far as the credit reporting agencies are concerned. "Pays required amount. Pays on time." Sounds good, doesn't it?
Actually, you'd be playing right into the hands of your creditors. The less you pay on your balance, the more interest they make. Let's say you have a balance of $6000 on a credit card and you STOP using it today. If your interest rate is 17.5%, a pretty average percentage, and you pay the minimum payment of $90 every month, it will take you almost 20 years to pay off the balance. You will have paid $21,240 on that $6000 balance. They made $15,240 in interest-and maybe additional amounts in annual fees.
Think about what you could do with $15,240! Wouldn't you rather be tucking that money into an IRA or a college fund?
Medical Expenses Are Enough to Make You SickA 2006 study conducted by the Center for American Progress showed that most older Americans who find themselves in debt do so because of the high cost of healthcare and prescription medications. In fact, anyone of any age with a serious illness or debilitating injuries suffered by any family member can soon find themselves in deep financial trouble. Even if you have health insurance, there are deductibles, co-pays, supplies and drugs that aren't covered. With today's astronomical healthcare costs, a policy's maximum lifetime payout can be reached with alarming speed. When they stop paying, and care is still needed, where do you turn? A medical emergency can be devastating to any but the wealthy.
When Keeping Up With the Joneses Is a Bad IdeaIn recent years, low mortgage rates and steadily rising real estate costs made home ownership seem like an excellent investment. While that is still true, some people find themselves in trouble now if they financed their home with an A.R.M. (adjustable rate mortgage) or an interest-only loan. When the federal reserve began raising interest rates, ARMs started resetting, increasing mortgage payments by as much as 25%. If you took an interest-only loan to buy a dream house just before the housing bubble burst, prepare yourself for disaster. With prices declining, there's a high possibility that if you can't make your payments, you will have to sell the home for less than you owe-maybe a lot less.
"Wait! There must be a way out."
You could take an equity loans on your house-assuming you have enough equity to make it worthwhile, and that you can handle the equity loan payoff. Although you could try a credit counseling agency, and IRS inquiry in May, 2006, revealed that the 41 so-called credit counselors they examined were of virtually no benefit to consumers. Investigations into other agencies are on-going.
"I can always go bankrupt."
Recent changes in federal bankruptcy law have made the procedure so expensive that people in dire financial straits cannot even afford the filing fees. While people often think that declaring bankruptcy means you can toss out your bills and just pay cash until your credit rating improves, the new laws demand a payback percentage to creditors. Credit counseling is now mandatory, although the chances are you will find yourself paying a bogus "credit counselor" for nothing more than a checkmark on your bankruptcy record that you've completed the counseling.
"Is There a Reasonable Solution?"
Yes. Think about it. If you need more money to pay your debts, then you simply need to make more money. This doesn't mean you need to go out and search for a new job in a crazy job market. It simply means that you need another income source to add to those you already have.
Ideally, you need to find a way to bring in extra income without undue stress on yourself and your family. You should still have some down time for relaxation. If this sounds impossible, there is good news: It can be done. Thousands of other people have already proven it.
If you're determined to get out of debt, a home-based business is a viable method for generating a genuine second income. It's a far cry from working for peanuts at a night job in a retail store, warehouse, or fast-food joint. You'll save money on commute time and gas, and the only equipment you'll need is a computer and a telephone.
Your first goal will probably be to heave a huge sigh of relief as you realize your balances are declining and you're getting ahead. Like many others, you may discover that you were always cut out for running your own business and increasing your personal wealth more every day. Your second job could become so rewarding that you will decide to make it your only job. Imagine working from the comfort of your home, interacting with people who started out just like you and are now making fortunes.
The way to financial solvency-even wealth- is open now.
If you're ready to pop that steadily swelling debt balloon-ready to shape your future the way you've dreamed it could be-you can begin right now.

2008-04-25T11:45:00.000-07:00

Some people balk at the idea of a home business because they think they'll be left completely on their own to sink or swim. With this business opportunity, that is not the case. Instead, you will be working closely with a group of experienced, professional individuals who truly care about you. They will help you every step of the way to attain financial success in the business. They will be there to applaud your personal and emotional growth as well as your financial growth.
You might wonder why these people you don't even know yet would care about you. There are several reasons. The first is simple and obvious. It's got something to do with empathy-that feeling of "been there, done that, know what you've been going through." Yes, they've been where you are, and they know how great it feels to leave behind the hassles of working for someone else. They recall what it was like to slave away for hours at something they didn't really enjoy, all for someone else's gain and with little in the way of reward or appreciation, unless you want to count a paycheck that was woefully small for the amount of work they put in.
Many have also felt the detached remoteness of corporate employers-the feeling that you're "just a number," and worse, easily replaceable for a smaller salary. They feel the business world has lost something important as more and more small companies sell out to corporate giants who then downsize and outsource and just generally play chess with the futures and livelihoods of their employees. In this business, you can count on the pros who will help you to get started because they are real people like you-people you will speak with on the phone and e-mail frequently. You won't be employee #35768 to them! You will be a friend, an associate, and part of a team that is playing with the same goal in mind-for every team member to come out a winner.
Football, baseball and basketball coaches often remind their players of the philosophy that goes "When one of us succeeds, we all succeed." Makes sense, doesn't it? When the receiver makes it into the end zone or the runner crosses home plate or the shooter sinks a three-pointer, the whole team rejoices, to say nothing of the fans crowding the stands. In this business, your mentors and co-workers will all be part of the team that celebrates along with you as you reach your goals and even exceed them.
Okay, everyone's heard a lot about teamwork. You've probably heard plenty about it at every job you've ever had. It's very big in management right now. The sad truth is that corporate teams are often a sham because the employees who comprise them see the transparency of the whole concept. They know who the real beneficiary of their teamwork is: the company. So why bother? Why give THEM your great ideas? You've already learned that the higher-ups only laugh in your face and then claim your ideas as their own. Great team-mate, eh?
That doesn't mean that teamwork is a bad idea. In this business, it works. The pros who will encourage and support you, teach you the tricks of the trade and help you organize your business believe this above all: The whole is greater than the sum of its parts. Why? Because they know that everyone can benefit from listening to everyone else's ideas. Instead of just one person using an idea to get ahead, everyone can use it, and with the spirit of sharing the dream foremost in mind, there is a huge diversity of ideas to use.
We're all born with different strengths and weaknesses, and a team that functions well uses this knowledge to strengthen the group effort. Everyone participates. Everyone has something to offer. Everyone is involved. Working toward a common goal together generates a special kind of positive energy that builds on itself and invigorates everyone.
In a supportive environment like this, you will have the opportunity to achieve results far beyond what you could accomplish on your own. So, if you've been hesitant to begin your own home business because of a fear of being alone in the effort, you can put that fear to rest. Seasoned pros will be there from day one to answer all your questions and help you navigate the road to your dreams.
http://www.WealthyOnlineEntrepreneur.com/

The Power of Responsibility

2008-04-24T16:54:00.000-07:00

The following is a great quote. What we are today is a direct result of extent that we accept responsibility.
"It's been said that the line between childhood and adulthood is crossed when we move from saying "It got lost" to "I lost it." Indeed, being accountable - and understanding and accepting the role our choices play in the things that happen - are crucial signs of emotional and moral maturity. That's why responsibility is one of the main pillars of good character.
Many people have been seduced by the Peter Pan philosophy of refusing to grow up and avoiding the burdens implied in being accountable. Yes, responsibility sometimes requires us to do things that are unpleasant or even frightening. It asks us to carry our own weight, prepare and set goals, and exercise the discipline to reach our aspirations.
But the benefits of accepting responsibility far outweigh the short-lived advantages of refusing to do so. No one makes his or her life better by avoiding responsibility. In fact, irresponsibility is a form of self-imposed servitude - to circumstances and to other people.
Responsibility is about our ability to respond to circumstances and to choose the attitudes, actions, and reactions that shape our lives. It is a concept of power that puts us in the driver's seat. The grand panorama of the potential of our lives can only be appreciated when we begin to be accountable and self-reliant.
Responsible people not only depend on themselves, but show others that they can be depended on. This breeds trust, and trust is a key that opens many doors.
If you want more control over your life and the pleasures, prerogatives, and power of freedom and independence, all you have to do is be responsible."
-Michael Josephson

Work From Home - Be Your Own Boss

2008-04-24T16:24:00.001-07:00

Here's How to Find Financial and Emotional Fulfillment
Your Mom stays at home? Oh, so she doesn't work?First, let's make something clear. ALL moms are work-at-home moms. Cooking, grocery shopping, cleaning and laundry might not be highly respected occupations, but unless you've got one of those super-husbands who considers these tasks his responsibility as much as yours, the chances are that you're taking on most of those tasks yourself. This seems to be just as true for moms who have worked all day at an outside job and maybe started and ended the day with a long commute.
The Decision to Stay at HomeAll this was difficult enough before you became a parent. Then, pure exhaustion set in. When you realized that you didn't want just quality time with your children, but quantity time as well, you made the tough decision: You became a stay-at-home mom. You decided it was best for your family for you to be the one who raises your children-not a babysitter or the staff at a daycare center. No matter how child-friendly they seemed, you always felt that no one else can care for your children as well as you. Best of all, now you don't have that distressing guilt and worry that bothered you ten hours a day or more.
The first thing you probably noticed is a serious cut in income. But then, you aren't spending as much on gas or lunches out or expensive clothes for work. You're really more comfortable in jeans and tees (and they're much more practical anyway). And you realize the kids don't care one way or another if they're wearing designer clothes. You can economize on food now because you're at home to cook nutritious meals instead of picking up fast food or a pizza on the way home.
And there are so many great payoffs! You're there to cheer Emily on when she takes her first steps and says her first word. You never have to miss a school program or a soccer game. Now you can take Madison to ballet and Jacob to his karate class. You're there to wipe away tears and answer those important questions that come up out of the blue-and you've got the energy to really play with your little ones.
There Seems to be Something MissingYou're aware of a troubling emptiness that used to be filled with the thrill of accomplishment that you took from your old job. You miss working with professionals to meet challenges, find solutions, and celebrate success. You miss the feeling of financial freedom you got from having your own paycheck and your own 401K. And you're getting a little tired of living frugally. It would be nice to be able to add something to the family income, but you really don't want to leave your kids!
There Is a SolutionEvery day, millions of people search online for legitimate work-at-home opportunities. Thanks to the information age and the availability of jobs not just in the US but all over the world, home-based entrepreneurs have found that they don't have to choose between family and professional fulfillment. It is estimated that over one-third of families with children 18 or younger have at least one parent working in a home-based business. The Internet offers hundreds of different opportunities to be an at-home entrepreneur.
As long as you have the desire to succeed and the willingness to learn, you can soon be enjoying the freedom of being your own boss, the return of that productive, professional feeling, and the flexibility to enjoy your family.
All genuine work-at-home opportunities provide you with the tools and expert guidance you'll need to get started in your own business.
The possibilities are endless!
Online Co-WorkersLook around, and you'll be pleased to find an interesting online community of people just like you who have found a way to continue using the skills they acquired on the job without ever leaving home. They like to joke that their commute takes 30 seconds-the time it takes to walk from the kitchen to their computer in their pajamas, with that second cup of home-brewed coffee fixed just the way they like it. While they work, they're free to snuggle with babies, keep an eye on a toddler, or get dinner started.
These stay-at-home moms are free of the hassles of a corporate job away from home, yet they have recovered the self-esteem that comes from being intellectually and financially productive entrepreneurs. Who could ask for more?
The Next Step Is Up to YouTo determine the path that is right for you, you need information about the different kinds of home-based business openings available. Fortunately, finding out couldn't be easier. There is no obligation or risk involved. Just fill in the form below, and you will be provided with additional information about an exciting opportunity.

Will You Ever Be Able to Retire?

2008-04-22T17:09:00.000-07:00

The federal government and employers are shifting the duty ofretirement funding from themselves to workers. How will this affect your future?
Back in the Day...Twenty-somethings often refer to their parents' youthful years as "back in the day"-and little do they realize how much things have changed since then-economically, socially, and politically. These changes impact every American, but they are especially relevant to those beginning to think about target retirement dates and whether they have saved enough.
"Back in the day" people worked long enough at one job that they drew adequate pensions in retirement. The luckiest (or most visionary) ones are the "triple dippers" who collect a civil service or military pension, a pension from years of working for a private company, and social security.
While triple-dipping is an enviable way to fund retirement, at least one dip of the trio is quickly disappearing and is not the way to become wealthy or rich: the company pension. Only about 40% of the baby boom generation, just now beginning to retire, will have any sort of pension, and the life-long health insurance benefits that were once part of nearly every retirement package are for the most part a thing of the past.
When the government introduced IRA accounts in 1975, they seemed like a great way for people to amass tax-deferred savings, but they are strictly the responsibility of the individual. You have to have the money, and you have to hope you've found a good place to invest it.
Six years later, 401K plans came along. With participating employers contributing some matching funds, employees who participate defer taxes on part of their income and get a literal pay raise from the funds match. Once again, it sounds like a great idea: So why are economists worried that America is facing a retirement crisis?
To begin with, only a little over half of employees who are offered a 401K plan actually participate. Some cash out their plans when they leave, often because they need the money for living expenses while they look for another job, or they want to pay ahead on debts they know they can't handle if they aren't working.
While some of the non-participants have IRA accounts or other individual savings plans, an alarming 31% of workers 40 or older admit that they have not saved anything at all for retirement, according to a recent AARP Bulletin poll. The same poll revealed that 28% of those who had already retired had saved nothing! Like almost 60 percent of current retirees, Social Security is their major source of income.
"But I still have my pension...right?"Wrong. Many companies have converted pension funds into 401Ks, expecting employees who know little about the stock market to figure out how to invest for their futures. Some companies simply fund 401Ks with 100% company stock. Where does that leave the employee if the company goes bankrupt-as Enron did, leaving thousands of employees out of work and with shares of company stock once valued at $80 worth less than a dollar?
Where Do You Stand?
If you participate in an IRA or 401K, by all means keep doing so. Don't take out any "loans" on them. And remember that according to the fed's own web site, you should expect Social Security to replace only about 40% of the income you will need in retirement. The average couple on social security receives about $20,000 annually from the government. According to Bloomberg's retirement calculator, this couple needs an investment portfolio of an estimated $500,000 to make up the other 60% they need ($30,000) to bring them up to a retirement income of $50,000 a year.
Maybe this doesn't worry you. Perhaps you are right on target. Congratulations! You're in the fortunate minority.
But-- more than half of all workers who are over 55 have saved less than $50,000. That amount is almost insignificant. It will generate only about $3000 a year-and that's assuming a 6% return and no unexpected nose-dives in the economy.
How did people get into this fix? There are plenty of reasons. For one thing, real wages have remained stagnant since the mid-1970s, meaning that despite very hard work, many have needed every penny just to get by. Poor spending habits-the desire to have it all and have it now-have led others down the road to debilitating debt. 401Ks and IRAs are accessible (although you pay taxes and a penalty). People borrow to pay for college and medical expenses, and somehow the money never gets paid back to the retirement fund.
Is retirement security a luxury you can't afford?
With an uncertain economy, skyrocketing healthcare and energy costs, and little help from employers, retirement may seem like an impossibility to you.
It doesn't have to be that way.
We are living longer and longer. Must we spend our retirement years filled with anxiety about outliving our money? Will we just have to keep working forever?
It doesn't have to be that way.
Even if you are approaching retirement age with little in the way of savings, there is still time to make up for the shortfall, relax, and enjoy the rest of your life.
It's all in your hands. But you must be willing to take control of your finances and turn your life around.
As we said at the beginning of this article, the responsibility for retirement income is yours now. The government will help you out a little bit, but you need to find a way to earn about 60% of what you will need.
There IS a way.
Even if you must stay home to take care of an ailing spouse or aged parent, there IS a way. There is a business you can run from your home, your RV, your vacation cottage, even a lounge chair on a sunny beach. Technological advances in the past few decades have made it all possible, and it's working incredibly well for thousands of people. To establish a viable business that will produce income now and for years to come, all you need is an Internet connection and a telephone. Skilled professionals who took back their lives will be happy to teach you the simple secrets of their success.
Why haven't you heard about this before? If you had, you'd be ahead of the game. But the important thing is that you know about it now, and the sooner you act, the sooner you can begin to free yourself from anxiety about how to finance your retirement. In fact, you can look forward to enjoying the rest of your life as you live out your best years in the security of ever-increasing wealth.
Take the first step now. Fill out the form below for free, no-obligation information.

Become Wealthy Through Acting "As If"

2008-04-16T22:10:00.000-07:00

Many years ago the great psychologist William James announced his famous “as if” principle. That is, if you want to be successful or wealthy act “as if” you already are. That is the most constructive idea which we should put into practice. If you want to be rich, act rich. If you want to be brave, act brave. If you want to develop a warm, friendly, happy disposition, don’t go around with a scowl on your face and hatred in your heart. Our mental and spiritual faculties are like servants. They always serve us with exactly what we request. If we acted as though we expected to be “a nobody”, life assumes that we are in earnest and grants our prayer.

How to Become Wealthy Through Closing Off Retreats

2008-04-10T13:54:00.001-07:00

The following has been taken out of the book Leadership by Sterling W Sill. It can be applied to any part of our lives but I will specifically aim it towards making money and becoming wealthy by closing off all areas of retreat.

“Pompey the Great was ruler of the Roman Empire. His most important field general was Julius Caesar. Caesar had some differences with Pompey, and was considering marching on the capital to take matters into his own hands. In 49 B.C. Caesar came to the Rubicon, a small river in Northern Italy that served as his territorial boundary line. It was the line across which njo general was ever allowed to pass without special permission from the Senate. If Caesar crossed the Rubicon it would be with the idea of making the entire Roman Empire subject to his will.

That was a momentous decision. It would immediately precipitate a civil war and divide the world between Pompey and Caesar. Caesar know what the consequences would be if he tried and failed. He knew that many lives would be lost, in any event. Surely he must have hesitated before arriving at so great a decision, for he knew there could be no hesitation after the decision was made. Caesar carefully considered every angle. He explored every possible angle. He explored ever possible alternative. Then he made up his mind. He would march on Rome.

One part of Caesars power came from his ability to analyze a situation; another part came because of his habit to always finish what he started. Caesar said, “The die is cast.” That expression marked the point where deliberation ended and action began. There would be no turning back. Then Caesar threw himself into the waters of the Rubicon at the head of his legion and the whole history of the world was changed.”

Once we make a solid decision every contrary thought should be banished. No energy should then be wasted in doubts, fears, or reconsiderations, and nothing should then be left undone which would help to bring about the projected accomplishment. Far too many of us are guilty and affiliated with the trait of making partial decisions. One thing is certain, if you make a partial decision to become wealthy and leave doors of retreat open you will never become financially wealthy.

How To Become Wealthy With You Own Business

2008-04-09T15:15:00.000-07:00

Starting Your Own Business:What Does It Take?
How many times have you, or someone you know, said something like "I've always wanted to have a business of my own. Something I'd really enjoy doing. Be my own boss."
Lots of people have the dream, but they get bogged down in the details of how to go about it. While this article isn't meant to serve as a complete business start-up guide, it will give you an idea of some of the steps involved in starting your own business.
1. Hire Professionals The most important professionals you'll need at the beginning are a lawyer and an accountant. The lawyer can help you decide if you want to be a corporation, partnership, sole proprietorship, or some other type of company. A good accountant can help you make this decision based on which will be most advantageous to you from a tax angle. A lawyer can also help you register your business and get any licenses and permits you will need, and can advise you about patenting your idea or protecting your intellectual property by requiring everyone you discuss your business with to sign non-disclosure or confidentiality agreements.
2. Make a Business PlanYou may need to hire a writer or other business professional to help you write a business plan. You'll need one to help yourself get organized as to what your business's main purpose or goal will be. This could be anything from serving hot dogs to people outside the home improvement store to providing technology support to major players in the business world. Either way, you need a plan that sketches out how you will proceed toward your goal and an estimate of how much money you'll need to get there. What will your equipment costs be? Will you be hiring employees? How about renting office space? All of these cost estimates should be included in your Business Plan.
3. Get FinancingHow much start-up money will you need? Do you have savings you can use? Friends or business associates who might want to invest in your venture? Or do you need a bank loan? Whatever the situation, you'll need to present a copy of your business plan to bankers or investors if you need to borrow money to get your company rolling.
4. Set Up Your Record-keeping SystemA good accountant can advise you on the best record-keeping software for your business, and help you set up a system for keeping track of payables, receivables, sales tax, payroll, employee benefits plans, and so forth. You will be relying on the accountant for at least your yearly tax return for your business, and possibly for quarterly payroll and sales tax returns. Your accountant can also get you an EIN number (Employer Identification Number).
5. Find a LocationDepending on your business, location may be very important. If you need to be visible to the public (say your business is a bookstore or restaurant), then you'll have to think long and hard about where you should set up shop. Location can make you or break you-and the rent is due no matter which way your fortune turns. You will also need to get a phone, get the utilities turned on, install your furniture and equipment, and get a sign or two that shouts "Hey look! We're here!"
6. Set Up Accounts with Credit Card CompaniesEvery brick-and-mortar business these days takes plastic or they don't stay in business. You'll pay a small percentage for every credit or debit card transaction a customer makes. You will need to invest in a method for checking the validity of debit and credit cards-like those "Slide Card Here" machines at cash registers everywhere.
7. Hire EmployeesYou may not need to do this step if you're a one-person operation. Maybe you can get by with just one part-time person to answer phones and do some of the paperwork. Of course, it depends on your business. You can probably run a small bookstore by yourself, but even a tiny restaurant means you'll need a cook, several servers, someone at the cashier, and so forth. You'll need to have them complete various forms for the IRS, and you may want to run background checks or at least check some references before you hire anyone.
8. Promote Your BusinessDecide how you will let people know you exist, what you can do for them, and why they should come to you instead of someone else. Common forms of advertising are TV and radio commercials, newspaper ads, flyers, and coupons that appear in booklets distributed by local companies.

The list above might make you think twice about starting a business of your own. Perhaps you aren't looking to make such a financial commitment regarding the hiring of professionals, finding a location... And it's also a big, big risk.
But let's look back at the way this article began: "I've always wanted to have a business of my own. Something I'd really enjoy doing. Be my own boss."

YOU CAN! Without all of the headaches of traditional business.
There is a very simple way of attaining this goal that has worked well for millions of people. You can have your very own business in your home, and you can cross off all or most of the steps listed above. The best part of exploring home-based business opportunities is that there is little risk and the upside is tremendous.
Many of the inconveniences and pressures of the traditional business are wiped away with the home business. The biggest roadblock to starting or buying a business is that they require a considerable up-front cash investment. In addition to the large investment, the time commitment you must make when starting a business can ultimately turn out to be far greater than what you have experienced in any job, and the return is not necessarily worth the extra time or the financial risk.
There is another option. Visit me online at http://www.wealthyonlineentrepreneur.com/ where I will teach you how to become wealthy.

How to Become Wealthy with the American Dream

2008-04-08T12:07:00.000-07:00

Is the American Dream still alive and achievable?
Defining the Dream
The immensely popular 19th-century author Horatio Alger is largely credited with defining the American Dream as well as the means to achieve it. Through him we can learn how to become wealthy. His books told the rags-to-riches stories of people who succeeded because of the opportunities they had in the Greatest Nation on earth. It didn't matter who they were. No matter how hopeless their situations seemed, his characters found wealth and success through determination and hard work-and of course, because they believed in the American Dream.
The Dream Today
We believe the American Dream is alive and well. The 21st century continues to offer incredible opportunities. Escalating wealth is mostly a matter of finding the right opportunities and having the determination and guts to follow them through.The materials and methods for accumulation of wealth have changed, but the opportunities are greater today than at any other time. One simply needs to learn about the new materials and methods!
So Many Things Have Changed:Dealing With Fear and Uncertainty
The events of September 11, 2001, permanently changed our country and its citizens. Our assumptions that we are safe in our own land faded to fear and uneasiness. Maybe you used to enjoy travel, but now airports make you nervous. Perhaps you dwell on the possibilities of another terrorist attack. We're all dogged by an unstable job market where mass layoffs and outsourcing threaten our livelihoods. The future is fraught with uncertainty about whether we're making wise investments, whether the CEO will abscond with the pension funds, and whether Social Security will be there for us. Even weather patterns are unstable, taking lives with devastating hurricanes, tornadoes, tsunamis, heat waves, and blizzards. Fear can make you want to simply maintain the status quo and not take any chances-yet that is exactly what you must do to avoid becoming a victim of fear, because fear is the only thing that can prevent you from taking advantage of all the possibilities that are open to you. FDR's famous statement still applies: "The only thing we have to fear is fear itself." But think about this: All kinds of fears have always held people back from trying to improve their lives. We've used fear as a convenient excuse not to get on with the lives we'd like to live. It's so much easier to stay where we are, complaining that we'll never get ahead.The opportunity is there for the taking, but you must be prepared to leave your comfort zone, summon up your strength and determination, and set a course towards wealth accumulation. While money isn't everything, it can certainly do a lot to alleviate uncertainty and to enrich your life and the lives of those you care most about.Worrying about the future doesn't change it. Worrying about the future will not help you to become wealthy. No one has ever been able to predict what will happen, or when, or why. You only have today and the lessons you have learned from your past. You can take charge of today's reality and make it sing with tomorrow's dreams.

How to Become Wealthy with a Supportive Environment

2008-04-07T12:57:00.000-07:00

A Supportive Environment
Some people balk at the idea of a home business because they think they'll be left completely on their own to sink or swim. With this business opportunity, that is not the case. Instead, you will be working closely with a group of experienced, professional individuals who truly care about you. They will help you every step of the way to attain financial success in the business. They will be there to applaud your personal and emotional growth as well as your financial growth.
You might wonder why these people you don't even know yet would care about you. There are several reasons. The first is simple and obvious. It's got something to do with empathy-that feeling of "been there, done that, know what you've been going through." Yes, they've been where you are, and they know how great it feels to leave behind the hassles of working for someone else. They recall what it was like to slave away for hours at something they didn't really enjoy, all for someone else's gain and with little in the way of reward or appreciation, unless you want to count a paycheck that was woefully small for the amount of work they put in.
Many have also felt the detached remoteness of corporate employers-the feeling that you're "just a number," and worse, easily replaceable for a smaller salary. They feel the business world has lost something important as more and more small companies sell out to corporate giants who then downsize and outsource and just generally play chess with the futures and livelihoods of their employees. In this business, you can count on the pros who will help you to get started because they are real people like you-people you will speak with on the phone and e-mail frequently. You won't be employee #35768 to them! You will be a friend, an associate, and part of a team that is playing with the same goal in mind-for every team member to come out a winner.
Football, baseball and basketball coaches often remind their players of the philosophy that goes "When one of us succeeds, we all succeed." Makes sense, doesn't it? When the receiver makes it into the end zone or the runner crosses home plate or the shooter sinks a three-pointer, the whole team rejoices, to say nothing of the fans crowding the stands. In this business, your mentors and co-workers will all be part of the team that celebrates along with you as you reach your goals and even exceed them.
Okay, everyone's heard a lot about teamwork. You've probably heard plenty about it at every job you've ever had. It's very big in management right now. The sad truth is that corporate teams are often a sham because the employees who comprise them see the transparency of the whole concept. They know who the real beneficiary of their teamwork is: the company. So why bother? Why give THEM your great ideas? You've already learned that the higher-ups only laugh in your face and then claim your ideas as their own. Great team-mate, eh?
That doesn't mean that teamwork is a bad idea. In this business, it works. The pros who will encourage and support you, teach you the tricks of the trade and help you organize your business believe this above all: The whole is greater than the sum of its parts. Why? Because they know that everyone can benefit from listening to everyone else's ideas. Instead of just one person using an idea to get ahead, everyone can use it, and with the spirit of sharing the dream foremost in mind, there is a huge diversity of ideas to use.
We're all born with different strengths and weaknesses, and a team that functions well uses this knowledge to strengthen the group effort. Everyone participates. Everyone has something to offer. Everyone is involved. Working toward a common goal together generates a special kind of positive energy that builds on itself and invigorates everyone.
In a supportive environment like this, you will have the opportunity to achieve results far beyond what you could accomplish on your own. So, if you've been hesitant to begin your own home business because of a fear of being alone in the effort, you can put that fear to rest. Seasoned pros will be there from day one to answer all your questions and help you navigate the road to your dreams.
For free information about this opportunity to change your life, simply got o my website at http://www.wealthyonlineentrepreneur.com/.

Becoming Wealthy Through Persistance

2008-04-04T16:01:00.000-07:00

In the book, Think and Grow Rich, by Napoleon Hill he said, "What a different story people would have to tell if only they would adopt a definite purpose, and stand by that purpose until it had time to become an all-consuming obsession!" To many times people give up when the first sign of defeat shows itself not realizing that success is just one step further. If you are at the point where you feel defeated then keep moving forward. You have to prove yourself worthy of what your goal is. This is the key to becoming wealthy through persistence.

Starting Your Own Business

2008-04-03T10:44:00.000-07:00

You might be thinking that you need special qualifications to open a home business of your own, that maybe you need a degree in marketing, business, or accounting. Nothing could be further from the truth! To find out if you qualify for a home-based business, simply read this list. Think honestly about each statement, and check off those that describe you.

I want to take control of my own financial future.
I want to make more money than I currently do.
I don't feel I'm being paid what I'm worth.
I'm tired of working to make other people rich. Why not me?
I am a highly motivated, positive person.
I have huge dreams for my future, and huge income goals.
I'm ready to begin an adventure that will change my life.
I would like to spend more time with my family and friends.
I'd love to take more vacations, especially to some exotic locations.
I'd like to be part of a community of people who think like I do and who are also interested in attaining financial success and independence.
I'm prepared to put in the effort necessary to reap huge rewards.
I'd like to experience the thrill of achieving true success.

If any of these points fit your situation, then I invite you to contact me for further information on this opportunity.

Becoming Wealthy; Working at Home

2008-04-02T14:32:00.000-07:00

1. Hire Professionals The most important professionals you'll need at the beginning are a lawyer and an accountant. The lawyer can help you decide if you want to be a corporation, partnership, sole proprietorship, or some other type of company. A good accountant can help you make this decision based on which will be most advantageous to you from a tax angle. A lawyer can also help you register your business and get any licenses and permits you will need, and can advise you about patenting your idea or protecting your intellectual property by requiring everyone you discuss your business with to sign non-disclosure or confidentiality agreements.

2. Make a Business PlanYou may need to hire a writer or other business professional to help you write a business plan. You'll need one to help yourself get organized as to what your business's main purpose or goal will be. This could be anything from serving hot dogs to people outside the home improvement store to providing technology support to major players in the business world. Either way, you need a plan that sketches out how you will proceed toward your goal and an estimate of how much money you'll need to get there. What will your equipment costs be? Will you be hiring employees? How about renting office space? All of these cost estimates should be included in your Business Plan.

3. Get FinancingHow much start-up money will you need? Do you have savings you can use? Friends or business associates who might want to invest in your venture? Or do you need a bank loan? Whatever the situation, you'll need to present a copy of your business plan to bankers or investors if you need to borrow money to get your company rolling.

4. Set Up Your Record-keeping SystemA good accountant can advise you on the best record-keeping software for your business, and help you set up a system for keeping track of payables, receivables, sales tax, payroll, employee benefits plans, and so forth. You will be relying on the accountant for at least your yearly tax return for your business, and possibly for quarterly payroll and sales tax returns. Your accountant can also get you an EIN number (Employer Identification Number).

5. Find a LocationDepending on your business, location may be very important. If you need to be visible to the public (say your business is a bookstore or restaurant), then you'll have to think long and hard about where you should set up shop. Location can make you or break you-and the rent is due no matter which way your fortune turns. You will also need to get a phone, get the utilities turned on, install your furniture and equipment, and get a sign or two that shouts "Hey look! We're here!"

6. Set Up Accounts with Credit Card CompaniesEvery brick-and-mortar business these days takes plastic or they don't stay in business. You'll pay a small percentage for every credit or debit card transaction a customer makes. You will need to invest in a method for checking the validity of debit and credit cards-like those "Slide Card Here" machines at cash registers everywhere.

7. Hire EmployeesYou may not need to do this step if you're a one-person operation. Maybe you can get by with just one part-time person to answer phones and do some of the paperwork. Of course, it depends on your business. You can probably run a small bookstore by yourself, but even a tiny restaurant means you'll need a cook, several servers, someone at the cashier, and so forth. You'll need to have them complete various forms for the IRS, and you may want to run background checks or at least check some references before you hire anyone.

8. Promote Your BusinessDecide how you will let people know you exist, what you can do for them, and why they should come to you instead of someone else. Common forms of advertising are TV and radio commercials, newspaper ads, flyers, and coupons that appear in booklets distributed by local companies.
The list above might make you think twice about starting a business of your own. Perhaps you aren't looking to make such a financial commitment regarding the hiring of professionals, finding a location... And it's also a big, big risk.
But let's look back at the way this article began: "I've always wanted to have a business of my own. Something I'd really enjoy doing. Be my own boss."
YOU CAN! Without all of the headaches of traditional business.

Master Your Destiny; Becoming Wealthy

2008-04-01T10:22:00.000-07:00

Why should anyone else be theMaster of your Destiny?It's all about you.It's all about choices.
Some people talk a lot about the kind of life they'd like to have. Other people do something to make it happen. Which kind are you?Deciding to Take a Chance on Yourself

About ten years ago, a friend of mine named Melissa made a decision that changed her life. Her school counselor offered her the chance to become an exchange student in Europe. She would be living in Germany, France, and Denmark, learning all about each country's customs, meeting new people, and picking up some of each language. No one in Melissa's family had ever traveled far out of the state they lived in. Her parents were skeptical, and told her that she should forget it-they didn't have any extra money to help her with such foolishness. In fact, no one in Melissa's working-class neighborhood had ever considered going to Europe. They just hoped they'd have enough money to pay the rent each month and buy groceries each week.Melissa knew it would be easier to stay home, to keep working part-time and going to school part-time. "After all," she thought, "who do I think I am? I really don't know what to expect. I don't know any foreign languages. I'd probably just make a fool of myself." If Melissa went to Europe for a year, she wouldn't be able to work, and she'd be spending the money she'd worked so hard to save. It would be her first time ever away from her family and friends, too. What if she got homesick? And the thing that scared her most was that when she came back from her adventure, she'd be broke. She'd have to live at home and rely on her parents until she could get a job and save enough to move out.
Still, she couldn't quite forget the idea. Why shouldn't it be her? After going endlessly back and forth, she finally decided to take the risk. She could always come back early if she hated it. She called her school counselor, who was delighted when Melissa said "Sign me up!" The counselor was about the only one who seemed happy. Melissa's family offered no support, emotionally or financially, and her friends just laughed when she said she was going to Europe. They finally realized she was serious when she closed out her savings account and asked the counselor to drive her to the airport. "We'll see you in a couple of weeks," her dad laughed as she walked to the car.

Lessons LearnedThe trip began poorly. The airline bumped Melissa's entire group, and told them they'd have to wait until the next day to leave. Although she had never flown before, Melissa decided if she didn't leave that very day, she'd chicken out completely. She went from one ticket counter to another until she found a connection, spending 10 hours in the airport before leaving on her first-ever flight. It took so long and she was so nervous that she began to wonder if she should have listened to her parents and her friends after all. When she arrived in Germany the next afternoon, she was exhausted. She guessed that the weird sleep-deprived feeling she was experiencing was what people called jet lag. Oddly, it pleased her somehow to know first-hand what it was. No one back home knew what jet lag felt like! She handed the address of her new apartment to the taxi driver, and paid him in Euros when he dropped her off. Then she slept for a long, long time.

The next day, Melissa began exploring her new neighborhood. She wasn't nervous at all. She found her way to the nearest travel agency and bought a train pass. Nearly everyone spoke English and seemed helpful, and the trains made it easy to get around.

The next week, she ventured further-to Switzerland. She went alone because the other students in her group were apprehensive about traveling outside the "base" country. Melissa wasn't exactly radiating confidence herself, but she wanted to see as much as she could during her time in Europe, and the only way to do that was to summon up her courage and go. She loved learning what was beyond the sheltered world she had left behind. She found that all she really needed was common sense and a map. From then on, when Friday came, Melissa was packing her bag for another destination. She saw the ruins at Rome, the Eiffel Tower, and even the great pyramids in Egypt. Sometimes she felt like she must be dreaming-that she'd wake up from this new feeling of independence, freedom, accomplishment and success. But she was wide awake, and enjoying every minute.Melissa's year of travel was a year of revelation for her. As she studied different cultures and met so many new people, she realized she had always had an adventurous spirit and a thirst for knowledge. And if Melissa had decided to stay in the US, she would never have met her future husband. She helped him run his restaurant in Berlin-a new enterprise they enthusiastically shared, and with great success. They stayed in Germany for another year before they returned to the States. As it turned out, Melissa was far from being broke!

So what's the lesson here? People who don't take risks don't go far. People who let others make their decisions for them are rarely happy. And fear is what keeps 99% of people from leading fulfilled, successful lives. You don't have to let that happen to you. Figure out what you want, and then go for it!

Becoming Wealthy

2008-03-31T15:28:00.000-07:00

Pumping Up Your Real Estate Career

If you're a real estate agent, you are well aware of the downsides that people outside the field know little or nothing about. Before you could begin working for a broker, you had to acquire a thorough knowledge of real estate law, terminology and math. Regardless of which state you live in, you had to pass a test for your license, and pay a hefty fee for the privilege of holding it.
While you may not have had much trouble finding an office to work through, you might not have expected to have to pay for advertisements for your listings and possibly for desk space at the agency. Health insurance? Maybe, if you're lucky, you'll have the opportunity to pay the full premium for a group policy. Of course, you've got to sell some stuff before you can afford to do that. You have to get lots of listings. You have to close sales and set aside an emergency fund for the tough months when few or no sales come your way. Otherwise, you won't be able to pay your own bills, much less the ones the broker keeps reminding you of.

Talk about an independent contractor! Not only that. You sometimes get the feeling you're surrounded by vultures. Maybe not in your own office-but in the ones down the street and around the block and everywhere else in town.

Yes, you're well aware that you're in a heavy-competition business. You've got someone really interested in a $450,000 home you showed them last week. They're practically ready to put the money down today-only when you check to make sure it's still on the market, you find out it sold yesterday. The disappointed couple doesn't want to see anything else, they say, edging their way to the door. You just know someone else showed them their second-choice, and they're on their way to that other office now.

How to Become Wealthy

2008-03-30T17:28:00.000-07:00

Accumulating Wealth:The Opportunity Has Never Been Better

Horatio Alger may have been right in the 1800s when he claimed that anyone willing to work hard could succeed. Today, the picture is different. It is painfully possible to work very, very hard and not get ahead. If you live from paycheck to paycheck and worry constantly about how you will meet your financial obligations, you're living in a world of stress. You don't even have the luxury of worrying about the stock market, because you've got nothing to invest.Yet more people are amassing wealth today than at any other time.

True, the financial picture for many of us doesn't measure up to the rosy pictures we hear of a growing economy. We worry about the war on terror, how we'll afford gas to get to work, and whether our jobs will still be there for us tomorrow. Yet you can begin your journey to financial success today.

Instead of the dubious prospect of accumulating wealth working for someone else, you can take control of your finances by owning your own business. It is much, much easier than you can imagine because you can do it with your own home-based business.Did you know that two thirds of all American millionaires are self-employed?Think about it. Who makes the most money? The restaurant manager or the restaurant owner? The car salesman or the dealership owner?

Owners are self-employed, and they are much more likely to be wealthy than the people who work for them.We're not suggesting that you buy a restaurant or an automobile dealership. It isn't necessary to take that kind of risk or put in that kind of work. Your own home-based business can be every bit as lucrative and much less stressful than a bricks-and-mortar business. You probably already have the only equipment you'll need-a computer and a telephone. That's all! Now all you need is the information that has transformed so many people's lives.

Becoming Wealthy or Wealth Accumulation

2008-03-29T14:43:00.000-07:00

Wealth Accumulation

Is America Still The Land Of Opportunity?

A recent Survey of Consumer Finances conducted by the Federal Reserve Board revealed these statistics about the state of America's finances.

Do any of these facts hit home with you?
The typical American family earns about $45,000 per year. From 2001 to 2004, family debt increased 33% (adjusted for inflation). Surprisingly little of this debt stems from unnecessary spending. Instead, credit is being used to pay for necessities like housing, household expenses and health care, particularly in low- and middle-income families.

Average net worth, which grew rapidly during the boom of the 1990s, rose only 1.5% between 2001 and 2004 for the average American family. In other words, for most of us, the worth of our investments is not keeping up with the inflation rate.

The middle class is being squeezed more tightly than ever. Among the wealthiest 10% of Americans, net worth rose to $831,600, or a 6.5% increase from 2001. Meanwhile, the net worth of those in the bottom 25% fell 1.5% to $13,300.

More than a third -- 36% -- of those who owe more than $10,000 on their cards have household incomes under $50,000. 13% who owe that much have household incomes under $30,000. The percentage of disposable income used to pay debts is near record highs.

How to Become Wealthy

2008-03-28T14:41:00.000-07:00

Though variations may exist the same fundamental principles for becoming wealthy stay constant. They involve hard word, dedication and never giving up. Too many times a person will hit a bump or obstacle and give up thinking all is lost. What they fail to realize is that you must be persistent and prove your self worthy of the thing that you desire. What we offer is the pathway to success and proven methods of overcoming obstacles. It doesn’t matter what your background or circumstances are, everyone has within themselves the power to be their own entrepreneur and a successful and wealthy one.

Becoming Wealthy

2008-03-26T15:50:00.000-07:00

If you apply the same principles that are taught in the Law of Attraction then there is no excuse why you cannot become a wealthy entrepreneur. Entrepreneurs understand a simple principle; it is that it does not matter what your background or current circumstances are, you will be financially successful, no exceptions. This is the case in real estate, owning your own business, whether that is a home based business or one from your own office. It is up to you to determine your success.

Ways to Make Money

2008-03-26T10:58:00.000-07:00

The real way to make money is to make it for you and not for someone else. To many people are blinded by the misconception that working their way up the corporate ladder will get them financial success and freedom. Soon they find themselves chained to their computers and locked in an office or cubicle spending 50 or more hours a week working for someone else and making their dreams come true. This is not the way that life is to be lived. Check us out online to find a new way of life. One that is satisfying, rewarding, allows you quality time with your family, and can make you much more money than your are currently making. You can make in one month what most people make in a year. Don’t believe it then don’t go to my site at http://wealthyonlineentrepreneur.com/.

Home Based Business

2008-03-26T10:42:00.000-07:00

Have you wanted to start your own home based business? What if your commute was 1 minute to your home office down your hallway and not one hour to your boss’s office in rush hour traffic? One hour one way one day a week equates to 10 hours per week and 40 hours per month on the road. That’s the equivalent of one work week! How much more profitable could you be if you were to eliminate the wasted time that you spend on the road just to line some one else’s pockets. What we have to offer you is a way to make in one month what most people make in a year. Click on the links to find out how you can surpass what you currently believe is financially possible. Through this you will be able to break through your limits to achieve the lifestyle that you deserve. See you at the top!

Becoming a Wealthy Entrepreneur

2008-03-26T08:59:00.000-07:00