Become Wealthy

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

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

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 Sick
A 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 Idea
In 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.

The Power of Responsibility

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

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 Home
All 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 Missing
You’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 Solution
Every 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-Workers
Look 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 You
To 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?

The federal government and employers are shifting the duty of
retirement 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.

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