You are most probably reading this article because you are an online marketer, and one of your major desires is to become financially free. Am I correct? If this is the case, please continue reading.

If you have read some of my other articles on marketing, you would have observed that I place a great emphasis on the rationale for doing whatever we do, i.e. ‘why’. If you are not achieving the desired level of network marketing success, your ‘why’s are probably not good enough.  If that is the case, I’d like to suggest that you re-evaluate your mind-set and get your proverbial house in order.

Remember that all games involve a ‘mind-set’ and a ‘skill-set’. Both are important if we want to win. However in marketing, as in basketball, tennis, rugby, golf and most other ball games, it is the mind-set that separates the good from the great.    

For each of our actions, whether making a cup of tea or creating a seven-figure income, there is a motivation, or a ‘motive’, for action. Upon closer analysis we can actually observe two sub-classes of motivators, viz. those that remove us from pain, and those that move us towards pleasure. My personal belief is that we should not dwell too much on the negatives, as these could act as inappropriate instructions to our subconscious minds if we overemphasize them. However, it is actually good to work up some revulsion and say “Enough is ENOUGH!”  So in the remainder of this article we will focus briefly on the negatives.

If you are not sure of what I mean by ‘negatives’, let me give you some examples:

-   Are you lacking sufficient free time?

-   Is your 401k (or equivalent) sufficient for retirement?

-   Is the Tax Office breathing down your neck?

-   Do you live from paycheck to paycheck?

-   Are you afraid you might lose your job?

-   Do you have to forfeit time with family members and friends due to work reasons, or not being able to travel?

-   Do you hate commuting?

-   Are you sitting in a car for several hours every day?

-   Are you sick and tired of working for a boss?

-   Does the pittance you receive as a salary fill you with resentment?

-   Are you unable to go on vacation four times (or more) a year?

-   Do you have insufficient funds for pursuing expensive hobbies?

-   Are you disgusted with your tacky wardrobe?

-   When last could you afford a trip to the other side of the planet??

-   Can you afford expensive procedures such as orthodontic work on your kids’ teeth?

-   Can you afford the supplements/gym memberships etc to keep you in top shape?

-   If you, or your partner, are over 50 – can you afford some much needed makeovers?

I could go on and on, but I think you’ve got the idea by now. To summarize: if you are unable to do whatever you want, for as long as you want to, with whom you want to, where you want to, whenever you want to, then you are entitled to feel dejected. Society has played a very nasty trick on you by making you believe this is inevitable. That is very far from the truth!

Network marketing is one possible solution, if done the right way. But if you really want network marketing success in a very short time, you must go for it flat-out, which means your motivators (your ‘why’) must be on steroids. Moving away from stuff you hate is one side of the coin. In my next article I will discuss the positive motivators. See you there!

If that network marketing success that you are working towards is still a little out-of-reach, or you need some help with some aspect of your motivation, just ASK me. Marketing is my ‘life’, not my ‘hobby’…I’ll be happy to assist.

Retirement Risks

Assuming you’re a member of the Baby Boomer Generation, you’re likely evaluating retiring – if you haven’t already retired.  And if you have already left work, you’re probably considering whether you’re financially able to remain comfortably retired.

Today’s economic crisis compounds the situation substantially by increasing some significant retirement oriented economic contingencies:

1. Life Expectancy Has Grown

People are living longer than their parents’ generation. For example, in 1970, a 60-year old white male had a life expectancy of an additional 16.2 years; however, by 2008, his life expectancy had expanded to twenty years.

So how is the retiree going to afford to pay for those extra 3.8 years? Following are several possible solutions:

> Accelerate pre-retirement savings

> Continue to work longer

> Move in with relatives

> Expect a reduced quality of life

2. Spiraling Health Care Costs

Adequately funding one’s health care programs are some of the most difficult financial planning tasks, mostly because health care needs are so person-specific, with needs differing greatly between spouses. Long-term care needs are even more difficult to plan for and fund.

Medical expenses have grown more than 5% (inflation adjusted) for the past 15 years – a rate that is greater than the increase in family income. Medicare costs will probably rise as well at similar rates.

3. Legislation May Limit Retirement Income & Supplemental Programs

It is well known that the expenses of major entitlement programs (e.g., Social Security, Medicare, and Medicaid) are growing more rapidly than other parts of the economy, and some experts question the long-term feasibility of these programs due to the combined effects of increased life expectancy, size of the Boomer population, and rising health care costs in general.

Moreover, current questions regarding ongoing health insurance throughout retirement, and at what financial levels, are rampant in today’s economy – and these questions are given even more fuel by auto industry, and other, corporate reorganizations.

We are still witnessing a lot of conversation concerning a national health care system – but such conversations have been ongoing for decades, with few results to show for those efforts. Although President Obama will be leading a national health initiative this year, most people anticipate a lot of opposition from Congress.

Many expect that seniors past age 55 will be protected from cuts in these entitlement programs, but maintaining complete coverage for them is a two-edged sword – doing so increases the probability of a new tax, which would ultimately add to retirement tax burdens.

4. Sometimes One’s Retirement Date is Dictated, and not Totally Up to the Individual

According to a 2004 Health and Retirement Survey (HRS), 37% of seniors are forced to retire. This can occur due to poor health or economic downturns, etc.

5. 401Ks Have Been Decimated

Did your retirement savings (including your 401k) take a major hit with the stock market meltdown in 2008? Mine did. Many comedians now refer to 401Ks as 201Ks because of the drop in the stock market. For many people, their 401k was the bulk of their retirement savings, so this stock market crash significantly damaged their retirement plans.

Humpty Dumpty Was No Financial Planner

But there is some good news. You can fix a broken egg – a broken retirement “Nest Egg,” that is.

You can work an extra year or two, take a part-time job or work from home to supplement your earnings, start your own business, etc.

If you’d like to start an online business, but are hesitant because you’re not an internet expert, a very good starting place for collecting all the knowledge about internet marketing that you will need to be successful is to sign up for the Online Success for Beginners classes.

A study by Butrica, Smith and Steuerle (2006) noted that working just one (1) extra year can augment annual retirement income by 9%, while working just five (5) extra years can generate an additional 56% annual retirement income.

If you’d like to learn how to create a supplemental income, so that you can have a luxurious, financially secure retirement, check out Darren Salkeld’s new MaxPro Marketing System and get his FREE Report and FREE Audio describing the age-old secrets of creating wealth.

How To Change With The Times And Come Out Stronger Than Ever Before!
by Dani Johnson

Times are different. They are difficult. They are causing many to worry and be afraid. In fact, fear is floating in the air and people are being crippled by it.

If you’ve been around as long as I have or even longer, you’ve discovered these facts about life: there is no guarantee of any good thing lasting forever; there are good times and bad times; challenging times and easier, peaceful times; times of struggle and times of strengthening. Life will throw you a few curve balls, at times. But I can assure you that you can succeed regardless of the circumstances.

In my twenty years of business, I’ve found that it’s never the circumstances that determine success. It’s what you do with it!

Right now, one of two forces are either pulling or pushing you. One force leads to destruction. It starts in a mediocre path with habits, mindsets, and beliefs that dig their claws deeply into your very being. It starts with being comfortable and having no goals or vision for a better future, just existing every day. The only goal becomes to merely exist throughout the day. But this mindset will ultimately lead to terror—the terror of losing what you’ve managed to keep in these uncertain times.

We hear this everyday. “My God, I’ve already lost 50% of my retirement!”

No you didn’t. You never had it. Anything you have that’s in an ambiguous place under the control of other people means you never had it in the first place.

There was actually a time in American history when people actually kept their retirement cash under their mattress. Since that time, our society has undergone major changes in our habits, mindsets, and beliefs. The entire pitch became about comfort and convenience. This is why we began putting our money into savings and into no-risk stock. Little did we realize that putting our hope and trust in other people would cause the problems that our economy is currently suffering from. Right now, people are terrified about losing the rest of what they have managed to keep, whether it’s their house, their investments, or stocks.

If you’ve fallen into the zone of least resistance, I want to alert you to another force that also exists today. Believe it or not, it is calling you by name. This force will lead to the deepest yearnings inside of you, which most people choose to ignore because it is not comfortable.

What is this force that 2% of the population has discovered? It’s the force that leads to life—true living! It’s the ability to live your wildest dreams; the liberty to take the risks that will lead to you moving, growing, and investing in your own personal development. It ain’t easy, but it’s very rewarding. It’s living life out of the Lazy-Boy chair!

This force requires personal change and decision. It requires risk. It requires a changed attitude. It requires a change in work ethics. It requires a change in mindsets, habits and beliefs. It has many benefits, including putting more control of your life into your own hands and removing it from others. It fights fear and activates faith.

This force happens to lie dormant within 98% of the population. They have stifled, ignored and repressed the voice of the free, the voice of the risk-taker, and the voice of the faith-walker that they were born with. Instead of true life, they are living in self-defeat.

With the changing times, business as usual has to change! It starts with not allowing the circumstances of life or this economy to determine our success. It starts with us taking control of our own lives, minds, habits, attitudes, and belief systems. It starts with a decision to change.

Dani Johnson is a relationship marketing expert, author, speaker, trainer and founder of Call to Freedom Int’l. She went from living out of her car with $2.03 to her name to earning her first million in two short years by the age of 23. Dani regularly consults, mentors, and coaches successful home business owners and entrepreneurs on marketing and lead generation solutions, prospecting, closing, business building strategies, leadership development and personal achievement, insider profit strategies, organizational and team development and more.

Gain control now of your financial future with free training by Dani Johnson. Check out WorkAtHomeProfitZone.com for more free articles and home business training and remove all barriers to your financial future now!

Richard&Cheryl

© 2009 WorkAtHomeProfitZone.com, All Rights Reserved Worldwide! WorkAtHomeProfitZone.com is a division of Call To Freedom Int’l, LLC.

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