E-Commerce Done The Right Way

Do you know what is the fastest growing business in the entire world today?

It’s E-commerce.


According to Business News Daily in an article published in March, 2017, E-commerce is one of the fastest growing industries in the world today.

There’s opportunity right now according to Business News Daily for anybody to start and build a very successful business that can generate life changing income.


In fact, it has been reported that Cyber Monday has surpassed Black Friday in sales volume.

E-commerce is a multi-trillion industry with plenty of room for anybody, who’s willing to work, to join.

The problem, however, is: How to learn to do e-commerce the right way.

Too many “gurus” who are currently teaching e-commerce are promoting a dying model with no long term future.

If you’d like to see a revolutionary way to do e-commerce the correct way, you’re in the right place.

You can check out this FREE four-part video series presented by a multi-million e-commerce entrepreneur.

In the first video he explains in great detail all about branding and why it’s so important to your success.

But, this isn’t just your standard idea of branding. He actually shows how he did branding for his products and made millions in sales.

Branding, when done right, can be the difference between mediocre results and fabulous sales results.

It isn’t very difficult to do, but so many e-commerce entrepreneurs don’t do it right and miss out on the big sales.

You can see the videos (at no cost) by clicking below.

                               Yes, show me the videos


Content Writers-It’s All About the Content

Content writers take heed:  “Content is king” is how the saying goes.

I’m sure you’ve heard it as many times as I have.

The reason is because it’s true. If you want to develop a following online and a brand (both required for success) you need to attract your following with content.

Content can take numerous forms. It can be blog posts, videos, social media posts or podcasts. You can even provide content that’s a combination of all the above-it’s your choice.

It all depends on where your comfort level lies.

What is content?


If your intention is to provide content, you need to know where to start.

The simple definition of content is: Anything that will provide value to your audience.

The first step, then, is to know your audience. This doesn’t mean cursory knowledge of your audience. It means that you must be deeply familiar with them.

• What are their pain points?
• What are their biggest challenges?
• What keeps them from reaching their goals?
• What are those goals they desperately want to reach?
• What keeps them awake at night?

Once you have a clear understanding of your audience, you’re ready to address their concerns and begin providing content to them.

Here’s where many marketers stumble:


What can I teach my audience that they don’t already know? Or, I don’t have a ton of knowledge myself; how can I teach others? They’ll see right through me.

The answer is that you have to value everything you’ve already learned-even if you believe it’s only a “little” thing.

If you found value in it, the chances are excellent your audience will as well. Even the most seemingly insignificant strategy can be turned into a 2-3 minute video and a blog post.

One common fear is that the material will not be new or unique to your audience. This is a misconception because they will have never heard it from you.

Everyone, including you, has a unique voice and a unique delivery. We tend to discount this about ourselves and it’s a mistake.

Nobody else has ever taught what’s coming directly from you. Just believe in yourself that you have value to impart to others.

There’s an additional huge by-product here for you, the content provider, as well.

Your own understanding of the content increases tenfold when you explain it to others. You gain a greater understanding.

The other major by-product of providing valuable content is that you build your “brand” as an authority figure.

This is highly significant because as an authority you are not identified with any particular product only. You are essentially marketing yourself. Your product is you.

Therefore, it makes absolutely no difference what product you’re promoting at any given time. You are not tied to it.

As an authority, you can promote a multitude of different products and services.

So, how does someone go about creating valuable content, especially someone who’s brand new and has no personal history in the business?

Here’s a simple three step formula:

Step 1: Learn something.

This can be a strategy that you just discovered or it can be instructions on how to use some software or a marketing tool. It can be anything that you find of value. Your audience will find it valuable, too.

Carefully explain the strategy step-by-step or demonstrate exactly how to use the software or tool to get the best results.

This can be done in a video and a blog post as well. Then post your video on social media for maximum exposure.

If you don’t want to appear on camera, do a power point presentation with a voice over.

Step 2. Implement


To give your content a high level of validity and believability, you must have implemented it yourself. Keep track of your results and share them with your audience. Your believability will increase exponentially because “seeing is believing”.

Your audience’s faith in you will skyrocket because you’re being “real”. If you can gain your audience’s trust, your success is virtually guaranteed.

You are also showing the audience that you’re vulnerable because you are willing to share your results.

If you’ve failed a few times with this strategy, let them know that. It makes you more real because chances are good that they’ve also failed a few times themselves.

Step3. Teach


Show in clear, easy to follow step-by-step fashion how you got your results. Be very clear and leave nothing out. There’s nothing that will disappoint your audience more than incomplete information.

Don’t be afraid to show your audience your very best strategies and golden nuggets.

Too many marketers are worried about “letting the cat out of the bag” by revealing their best secrets.

Your audience will know when you’re giving them your best stuff and they’ll appreciate you much more for sharing it.

Extra step (and most important)

Be consistent

You cannot provide content on an irregular, sporadic basis and hope to crate success.

Consistent content creation will develop loyalty with your audience and get you noticed by others.

It will build your brand faster and may even cause your content to be shared more and possibly go viral.

It’s not an easy task to be consistent, but the results are well worth the effort.

If you found the foregoing interesting and helpful, you can get much more valuable information by clicking the button below.

It will open a whole world of additional possibilities for you.



An Effective Landing Page Strategy

The first part of a sales funnel is usually the landing page (also called the opt in or squeeze page).

It has to be done effectively because it’s the first thing your prospect sees. Remember, first impressions are vitally important.

It has to be done right because its only goal is to get the visitor to give up his email address.

Due to the ever increasing amount of competition and the massive advertising, it’s becoming more and more difficult to get people to happily give up their email address.

The first rule of an effective landing page is relevance.


The message you deliver in the headline of your landing page must be a match to your market. Otherwise, your advertising budget will be totally wasted.

You must know your market. What are their biggest challenges and problems? What keeps them awake at night? What are they looking for from you?

Your message must directly address those concerns. Your free giveaway—your “ethical bribe” must also be congruent to the message on your landing page.

In addition, both your giveaway and landing page headline must be congruent to your offer.

Your offer should be the logical conclusion from your headline and copy of the landing page and your lead magnet.

Here’s the Big Tip of the Day


How to come up with the most effective landing page copy that will get you the desired response from your audience?

Go to offervault.com. This site contains thousands of offers from most of the CPA networks. You can find just about any offer on offervault.com

In the search bar at the top of the page, type in your offer. If, for example, you wanted to find a beauty product for women over 40, you could enter “skin cream”.

Offervault would show you all the skin cream offerings with information about payouts and which networks had that particular offer.

It would also allow you to click on any offer to see all its details, including its landing pages.

All of these networks have done extensive and expensive testing for all their offers before they bring them to market.

You can be certain they’ve tested all their landing pages and are only using those that yielded the very best results.

The strategy is to view landing pages of offers similar to yours and take the best ideas and model them on your landing pages.

You’ve now gotten the best performing pages for your niche without any of the work or expense!

Your landing pages will now be directly on target for your audience.

While the information I’ve delivered to you has been valuable, it’s only a small part of the entire process.

To get more in depth step-by-step information on effective list building, click the button below. This can be your first step to mastering the secrets of profitable email list building.

Don’t Make This Email Mistake…It Will Cost You Dearly

“The money is in the list”.

I realized that this phrase was the one thing I heard more often than any other since I entered the online marketing business.

The reason I heard it so frequently was because: It’s true.

You will not be able to find a successful internet marketer who doesn’t have an email list.
They all have them and use their lists extensively to create ongoing streams of profit.

Conversely, I’ve heard numerous successful marketers who bemoaned the fact that they didn’t start collecting emails when they began actively marketing.

They started collecting emails later in their careers and lost hundreds, or even thousands, of email addresses and potential customers.

And, they all regret it daily.

Your email list is your most valuable business asset. Your websites could be harmed by Google updates, your ad accounts could be shut down, but, if you had an email list, you would still have a business.

The people on your email list are solely yours. You control that list and no power (Google, Facebook) can take it away from you.

A responsive email list can be marketed to for years into the future. Internet marketer, Michael Cheney, says that for every email he sends, he earns $500-$5,000. That’s for every single email!

That’s as close to “push button money” as you’ll ever come.

List building is a skill set that every aspiring marketer must master. If you can only master one skill, make sure it’s this.

The Big Mistake



Unfortunately, many marketers are guilty of making a huge mistake with their lists.

It’s a mistake which costs them countless dollars in lost sales.

Let me illustrate what I mean. The most basic sales funnel is when traffic is sent by a marketer directly to a sales page. This is called “direct linking” and is the least effective method.

Very few, if any, sales are made and there’s no attempt to build an email list

The next method is a funnel where traffic is first sent to an opt in (or landing or squeeze) page and email addresses are captured.

The opt in page usually offers something of perceived value in exchange for the visitors’ email address. This “ethical bribe” or ”lead magnet” can be an ebook, checklist, report or a video—anything of value to the visitor.

Then the visitor is once again sent directly to the sales page. Unfortunately, this will only yield small results. The customer has not been pre-framed for the sales pitch, but rather, is hit with it out of the blue.

In addition, it often happens that the opt in page, lead magnet and sales offer are not at all congruent.

This is a huge mistake at the cost of many lost sales. Rather than leading to a sale, it often leads to the buyer’s confusion.

And, a confused mind always says “no”. It adds up to lost traffic, lost sales, lost time, lost effort and lost money.

The Solution



There’s a right way to do this.

First, remove any chance for confusion on your prospect’s part. Make certain your opt in page, lead magnet and offer are congruent. Don’t offer a free ebook on dog training and then try to sell beauty products to middle aged women. It won’t work

Next step, and this is crucial, send your visitors to a “bridge” page. This page serves as a bridge for visitors that takes them smoothly from the opt in page to the sales page.

It pre-frames the prospect about your offer. It explains all its benefits and how it can help them reach their desired outcomes. It creates a smooth transition for the visitor and leads them to the conclusion that they should invest in your offer.

Your bridge page should also include one valuable piece of information or strategy from your product. Let the prospect know that the product contains more of the same. This is a particularly effective.

Here’s a summary of what this looks like:
• Traffic goes to your opt in page
• Your visitor is added to your email list
• Your visitor is taken to your bridge which pre-frames them for the offer
• Your visitor is taken to your sales page
You’ve now successfully added subscribers to your email list and, if done this way, made sales of your offer.

If you would like to master email marketing and learn all the secrets of creating effective email campaigns, click the button below for more important information.


Money Secrets The Ultra Wealthy Don’t Want You To Know

The ultra wealthy know things the average lunch pail guy doesn’t know.

If you study the habits of these super rich people, you’ll start to see some common patterns of behavior.

It doesn’t take a genius to understand that if these folks are all wealthy and they all do the same things, maybe you should be doing them, too.

Remember, success leaves clues. You just need to be smart enough to understand that principle, be observant enough to see it, and be smart enough to take action and imitate it.

There’s a long list of wealth principles available. You can use some of them or all of them to your advantage.

I’ll present a few of them here, but if you’d like to see more I recommend that you get a copy of Total Money Magnetism for a more detailed list ( and a lot more information about debt relief, money and wealth).

1. Watch Your Pennies, They Add Up To Dollars


The ultra wealthy know the importance of keeping tabs on their money…all their money, and where it goes. They know the value of it.

Warren Buffett buys his Diet Coke buy the case, not from a vending machine! It’s cheaper and if it’s good enough for Warren Buffett, it should be good enough for you.

Take a good look at the things you spend on daily. Determine where you can save by buying cheaper brands or by eliminating the expense entirely. You might shock yourself when you see how much you’re wasting.

Do you really need that expensive Starbucks latte and a muffin at a daily cost of $5? Why not just drink the free coffee at work?

Do you actually read all the magazines that you subscribe to every month?

How about your cable TV plan? Do you really need 100 channels?

When you understand that the super rich, who can afford all this stuff, still exercise care when spending, maybe you should, as well.

There’s a reason the ultra wealthy do these things. It’s really that important to your future.

2. You Won’t Get Rich At Your Job


Having a job is important to your financial well being.

It provides for all your basic needs and keeps your family fed. But, climbing the corporate ladder will only get you so far.

You’re still going to be trading hours for dollars and, since the number of hours in a day is finite, your income will also be finite.

You must learn how to make your money work for you instead of you working for it.

3. Time Is On Your Side

Take advantage of time, not timing.

The average investor thinks that the secret to investing success is timing the market. Knowing when to get in and when to get out.

Big mistake!

Timing the market over a long period of time is virtually impossible. It’s as dangerous to your financial well being as gambling. Nobody has ever won over the long term.

The ultra rich understand the value of time.

They understand the power of time when it’s coupled with compounding.

Compounding, simply put, is earning on your earnings. It’s the ultimate leverage and over time, it will always create exponential returns.

There’s no guesswork involved with compounding. It is “money in the bank”, both literally and figuratively.

4. Goals

Determine your goals and put them in writing. A goal that has not been written down is just an idea, nothing more.

Put it in writing, make it very exact and definitive and set a time limit for when it will be achieved.

Your goal should also have a detailed action plan with all the steps you will take to successfully reach that goal.

And then the most important part is to take action. Just get started. Your actions don’t need to be perfect. You just need to begin and you’ll gain automatically momentum.

Each subsequent action will be much easier than the one that preceded it. If things aren’t perfect (and they probably won’t be), you can back later and fix them as you gain more understanding and experience.

Imperfect action always beats perfect inaction

5. Use Leverage


Leverage, in this sense, means using a little to accomplish a lot.

It doesn’t mean you should expect huge returns from doing nothing.

The world doesn’t work that way.

It means that you can have a lot accomplished for you without your direct involvement.

The simplest example is the hiring of others to perform tasks on your behalf. You direct others to do the work, and their combined efforts would be much more than you could have accomplished on your own.

Another common example of leverage is the use of borrowed money.

When buying real estate, you might only use your own money to make a 10% down payment and borrow the remaining 90%. You, however, would own 100% of the property.

To take this a step further; if the property cost $1 million, your cash outlay for the down payment would be $100,000 (10%). If the property value subsequently increased by only 5%, it would now be worth $1,050,000, an increase of $50,000.

Since you only invested $100,000, your return on your money would equal 50%.

This is how the ultra rich use leverage to create huge returns.

Other forms of leverage are outsourcing jobs that you can’t, or don’t want to do, Leveraging your time can be done through the use of technology to perform tasks quicker and more efficiently.

The foregoing is just a short list of only a few of the things that are practiced by the super rich.

For a more exhaustive list plus practical advice and methods to relieve debt and restore financial order in your life, you need to get your copy of Total Money Magnetism.

To learn more, click on the button below.



Too Much Month At The End Of Your Money? Part 4

I want to dispel a myth right from the start.

You cannot get rich by saving your money! You will never become a millionaire that way.


The only guarantee I can give you is that you will lose money that way.

I know since childhood you’ve always been told to save your money for a “rainy day”.

That’s horrible advice and I’ll show you why right here.

In 2016, inflation was 2.1%. That means that at the end of 2016 you would need $10,210 to buy whatever you would have bought at the beginning of 2016 for $10,000!

The average interest rate that banks and savings institutions were paying out in 2016, was 0.05% (1/2 of 1%).

Had you deposited $10,000 in a savings account at the beginning of 2016, you would have had a total of $10,050 on December 31, 2016. Your purchasing power and value dropped by $160 ($210-50=$160).

If you kept that up for a lifetime, the hole you would be digging would just keep getting deeper.

Okay, so after you set up a budget, get out of debt, set up an emergency cash fund, what should you do for long term financial growth?

You need to create passive income.

Passive vs. Active Income

“To get rich, you must be able to make money while you sleep” Warren Buffet

Here’s another myth you’ve probably also heard since childhood “The way to make money is to get a job and work hard at it so you’ll earn pay raises and promotions”.

It’s not bad advice per se; you just won’t ever get rich that way.

Every ultra-wealthy person did not get that way through their day job. They became ultra-rich through creating passive income.

Although most of them had regular jobs, they were eventually able to leave those jobs and live very well off their passive income.

To someone who has only ever had a regular job, this thought can be very intimidating. They’ll be thinking that they don’t even know where to start with passive income.

Active Income

Active income is typically income you “work for”. It’s the income that comes from your job.

When you’re engaged in your active income, you’re trading hours for dollars. Since the number of hours you can work in a day is limited, your active income is also limited.

Like most people, the active income you earn will go toward your every day expenses and, depending on your budget; something left over will go toward savings or investment.

That will become the source of your passive income.

Passive Income

Passive income is money you earn that you don’t “work for”. It’s usually money that comes from investments.

For example, money earned on a savings account is passive income in the sense that you didn’t physically work for it.

Passive income can also be from dividends on stocks you own, rents from tenants or income from someone else’s business where you are an investor.

The common denominator is you didn’t “work” for the money and you earn it even while you sleep.

Compound Interest

Compound interest has been called “the eighth wonder of the world”.

Essentially compound interest is interest you earn on previously earned interest.

In our earlier example of the savings account: At .05% interest on $10,000, you will have earned interest of $50. Your balance would now be $10,050.

At the same rate of interest, your earnings for the next year would be $50.25. The extra 25 cents represents the interest earned on the $50 you earned the previous year.

The numbers in the previous example are small, nut don’t be fooled. Compound interest is very powerful over the long term.

What if your rate of earnings was 8% (and that’s very possible even today) instead of .05%?

If you saved only $5 per day for fifty years, you would have a total of $91,250. If you invested that money instead in a blue chip stock at an 8% average annual return and re-invested all the dividends, at the end of fifty years you would have a balance of $1,032,786. That’s all due to compounding.

Incidentally, blue chip stocks have averaged a 10% annual return over the last one hundred years!

I hope that example got your attention. You only invested $5 per day which you can do by skipping your daily visit to Starbucks and drinking the free coffee at work.

Creating Your Passive Income


Total Money Magnetism

There are numerous forms of passive income that you can pursue. They include:
• Investing in stocks, bonds or other commodities like gold or silver.
• Investing in real estate.
• Creating your own internet based business.
I will go into each of these in greater detail in the future.

But first, I’d like to let you know about the pitfalls of passive income that you should avoid like the plague.

1. Expectations set too high

Creating a passive income will take work, time and effort.

You will be starting small, at least until you get your feet wet. You won’t be investing big money because you’ll want to limit your risk.

Don’t expect to make gobs of money in a short time.

Building a passive income stream will require plenty of thought, planning and patience.

This is a long term venture. Your earnings will compound over time through work and re-investment of your profits. Be patient. You will get you just follow the there if proven formula.

Start small with your passive income investing. Don’t risk everything on a quick roll of the dice.

“Make haste slowly” applies in this case. Learn as you go and build your knowledge base.

2. Giving up too soon

Your initial returns from your passive income ventures will be small. Expect that.

In the beginning you’ll be putting in a good bit of time and will only receive mall returns.

Do not become discouraged. The large returns will build up over time.

If things aren’t as great as you initially expected, just keep following the right steps and you’ll find great success.

3. Avoid the “shiny object” syndrome

When choosing a model for your passive income creation, you’ve got many choices.

It’s far too easy to become distracted and lose focus. Don’t be charmed by the latest income fad and divert from your original plan.

What will happen is that you’ll start on numerous projects and will complete none of them.

Instead, create your goal, focus only on it and keep moving forward with your original plan.

Do not become the “jack of all trades, master of none”.

4. Don’t become a perfectionist

It’s not important to be perfect. Internationally famous marketer Dan Kennedy said “Good enough is good enough”.

The key to your success will be to take massive action. Get started with your plan. You will build unstoppable momentum.

If something you’ve done earlier is glaringly wrong, just go back and fix it now. But, don’t wait to start; you might never start.

I’ve heard many highly successful people say that when they first started, they made huge blunders upon blunders. But, they never stopped to be perfect and they became hugely successful just the same.

5. Treat your profits as capital to re-invest-rather than an opportunity to spend

When dealing with passive income, remember, the power of compounding. Money makes more money. Let your money work for you.

Re-investing even small profits in the beginning will yield large returns further down the road.

If you splurge and blow all your profits, you will never leave the starting blocks and your chance for huge compounding returns will be lost.

Don’t let that happen to you.

You get truly wealthy by re-investing your profits.

6. Holding on to a dead investment

Sometimes things simply don’t work out exactly how we would have liked.

In spite of careful research, planning and execution, we might fail. Thomas Edison failed hundreds of times before finally succeeding.

You have tried everything you could think of to make your venture successful and it still didn’t happen.

Just know that these things do happen. It’s not the end of the world. Just move on from that bad experience, learn from it and find a new passive income vehicle.

There are many vehicles to create passive income and each of them have all worked for someone. Go out and find the one that will work for you.

While the information I’ve provided here is invaluable, it’s only an outline of the process.

To get more in depth step by step information on how to rid yourself of money worries, click the link below for more information


Please let me hear your thoughts and comments and feel free to share your experiences.




Too Much Month At The End Of Your Money? Part 3


Do you know that as of 2015, the average credit card load for an American family was over $15,000?

Do you know that the average college graduate leaves school with over $35,000 in student loans?

Debt struggles have become as common to us as the common cold. If you’re struggling with debts like I was, just know that your situation is fixable.

You do not have to spend your life trying to manage which bills to pay this month and which to push off until next month.

You can save yourself sleepless nights. You don’t have to feel like a failure to your family because you can’t provide them with everything you want to and they deserve.

In my first two blog posts I talked about developing your “money mindset” and how important it is to banish your limiting beliefs about money and wealth accumulation.

In my second post I gave you a simple three step formula to finally kick all your debts to the curb and never be bothered by them ever again.

The big key and most important step in debt elimination is making extra debt payments over the minimum payments you’re required to pay.

The more extra funds you have available to do this, the faster you’ll be debt free.

In this post I’ll deal with finding that extra money. I’ll give you a few ideas, but you can find additional solutions on your own.

Just use your creativity and you’ll surprise yourself with the different ways you discover to find increased funds.

But, first I want to give you a word of caution. Getting out of debt is much, much harder than getting into debt. Getting out of debt will take effort and work.

The one thing you absolutely cannot do without is discipline. Once you’ve established your plan, you must have the discipline to see it through all the way. Once you start, you must stick with it every day. Just follow through and you’ll be fine.

Let me put it directly—If you have discipline and stick with the blueprint, you’ll soon be debt free. If, however, you don’t have the necessary discipline, you will fail.

It’s that simple. There are no shortcuts.

Here are some of the ways you can find extra money for debt freedom:

1. Find a part time job.


This one is fairly obvious. Even with only a small side income to use, you will accelerate your debt pay offs.

Anyone can find some source of part time income. Mowing lawns, being a week-end cashier or doing simple handyman jobs can yield some quick cash.

Every dollar you add will provide results to get you out of debt faster.

2. Review your budget with a keen eye and a sharp knife.

It’s vitally important that you constantly review your budget and look for areas where you can slash expenses.

You don’t have to live like a hermit and deny yourself the necessities of life. The idea here is to get out of debt while still living a “normal” life.

Don’t do away with necessities. Just watch your spending carefully while being on the lookout for any areas where you can shave expenses.

Do you really need a premium cable TV package? How about your cell phone plan—can you switch to something cheaper?

Once you see the plan working for you and you begin paying off debts, you’ll automatically check your budget on your own without any prompting.

You’ll want to accelerate the plan as much as possible.

3. Use money you didn’t expect to have.

This is known as “found“ money. It’s money you don’t normally receive. If you get a nice income tax refund or win a cash prize you never expected, the best thing you can do is to use it to make extra debt payments.

It can be tempting to use this money to splurge on something extra. Don’t do it. You’ll be much better off (and eventually much happier) by paying debts.

This is one of the places where you must have discipline.

4. Ask for lower interest rates on your credit cards and loans.

It is drop dead simple to get your credit card company to lower your interest rate.

Just ask them to do it!

I’ve tried this numerous times and never failed.

The credit card companies don’t want to lose a paying customer. Ask them to lower your interest rate. If they hesitate (and they probably will just to test you), explain that you may have to transfer your balance to another company that will give you a lower rate.

If you still don’t get a yes, ask to speak to a supervisor and explain the same thing to them. That’s usually as far as you have to go to get a reduction.

5. Sell what you don’t need or use.

Do you have things lying around in your attic or garage that you really don’t need or use anymore?

Everyone has items that have been relegated to the “non-use” category. Things like clothes, lawn mowers, tools and old bicycles.

You accomplish two things when you sell these items—you raise additional cash to use for debt elimination and you reduce the clutter in your home. Your buyers may also get bargain deals. It’s a win-win for everyone.

There are any number of other ways besides these which you can use to raise cash to get out of debt faster. You’re only limited by your creativity.

Just look around and find those ways yourself.

While the information I’ve provided here is invaluable, it’s only an outline of the process.

To get more in depth step by step information on how to rid yourself of money worries, click the link below for more information

Too Much Month at the End of Your Money? Part 2

In the last post we talked about obtaining your proper mindset for accumulating great wealth.

We talked about changing your money mindset from one of negative thoughts and scarcity to one of abundance and positive, life altering thoughts.

These mindset changes involved the following steps:
• Stop working for your money and let money work for you.
• Banish all scarcity beliefs for good.
• Dispel all your ingrained money fears.
• Cultivate a positive money mindset.
• Have a written, well-defined goal.

Our next step will focus on getting you out of debt as quickly as possible and then, staying out of debt forever.

There’s been a ton written about the best ways to get rid of your debt for good. But, it all really boils down to a few very basic steps.

Once these are mastered you’ll be in for clear sailing and won’t have to worry about debt build up again.

It’s important to note that you probably didn’t get into debt all at once and you also won’t get out of debt all at once.

Getting out of debt will take time, focus and work, but in the end it will be well worth it.

Here are the basic steps that will get you started:

1. Know your finances—make a budget.


It’s always surprising to me to know how many people have no idea where their money goes.

They just know that every month they run out of it.

You need to know exactly how much money you’ve got coming in every month. That’s your starting point.

Your next step would be to list where your money goes every month. List everything you spend money on-don’t leave anything out.

Everything must be written down.

Now compare the two numbers. If your income is greater than your expenses, that’s great! You’ve already got something to work with.

If your expenses are greater than your income, that’s not so great because you’re going backwards.

But, don’t despair. Your situation is fixable. It will just take some work.

Before we go further, you must understand something that’s critically important. You can’t possibly get out of debt by making only minimum monthly payments on your outstanding obligations.

Do you know that if you only pay the monthly minimums on your credit cards, it can take up to 20 years to pay them off—and that’s assuming you don’t add any new charges?

You must absolutely find the money to make payments above the minimums on your debts.

That’s where your budget comes in. This part will require some soul searching.

Examine every item of expense you listed on your budget.

You must begin slashing your expenses. See what items are not necessary for your daily living and get rid of them now.

Are you getting a daily latte at Starbucks instead of drinking the free coffee at work? Do you really need 100 channels of cable TV? How about your expensive cell phone plan? Can you switch to something cheaper?

You’re going to be faced with some tough choices. Do you really need that expensive pick-up truck? Can you sell it and use the money you save every month to extinguish another high interest rate debt?

The choices you make here will be determined by how badly you want to be rid of your debts.

To help you make your choices, I will tell you there’s no better feeling in the world than the one you experience when you pay off your last debt and are finally debt free.

Once you cut your budget down, you’ll be shocked by how much you were spending every month on these “necessary items” which really weren’t necessary at all.

2. Set up your emergency fund.


You don’t want to go back into debt when you’re hit with an unexpected car repair or a surprise dentist bill.

Your next step is, therefore, to put some of your new found savings into an emergency fund.

Try to put away $1,000-$1,500 as a ”just in case” fund. Then leave it alone unless you need it for a real emergency.

3.Kill the debt.

At this point you’ve got your budget and your emergency fund taken care of. Now it’s time to start whacking away at your debts.

Your budget should show monthly income over and above your “new revised” monthly expenses. If it doesn’t, sharpen your pencil and keep slashing those expenses. This is that important.

You’re going to use your extra cash, all of it, to make extra payments on your debts.

You can do this in one of two ways. List all your debts by amount owed and by interest rate.

You can begin by paying extra on your smallest balance debt first. Once that’s paid off, take your extra cash and the minimum monthly payment you were paying on your smallest debt and pay that money as an extra payment on your next smallest debt.

You’ll feel a great sense of accomplishment and success every time you get rid of another debt!

The other method to do this would be to begin by paying extra on the debt with the highest interest rate. Once that was paid off, use the extra monthly money and the minimum payment that you were paying on the old debt and pay those on the next highest rate debt.

The second method will save you more money than the first method because you’ll be lowering your overall interest charges.

Either method will work to get you out of debt, but you must be patient because this will take time. You didn’t get into debt in one day and you won’t get out of debt in one day, either.

Remember as you go through these steps, this method works every time without fail. You just have to stick with it and work the plan.

Keep a constant eye on your expenses and practice “frugal living”. Measure every cent you spend and always be looking for creative ways to cut expenses and add more funds to your debt payments.

The more money you can pay extra every month, the quicker you can say good-bye to your debt worries.

Getting into debt is very easy and getting out of debt can be really tough. It will take intense effort and constant vigilance.

But, keep in mind, many people follow these steps successfully and you can, too.

The best part is when you’re free of debt; you’ll know it was all worthwhile.

While the information I’ve provided here is invaluable, it’s only an outline of the process.
To get more in depth step by step information on how to rid yourself of money worries, click the link below for more information

Too Much Month at the End of Your Money? Part 1

There I was again…

It was the end of another month. I was sitting at my table with a pile of bills that had to be paid.

But, there was a problem…

I didn’t have the money to pay all the bills that were due.


Same thing happened last month.

I had to decide what to pay today and what to push off until my next payday.

Just like I did last month…

I don’t have a spend thrift lifestyle. I try to be careful with my money and not waste it.

But, with things like kids shoes, dentist bills and repairs to my ten year old car there just wasn’t enough money.

This couldn’t go on month after month any longer.

Although my family didn’t complain to me about our money problems, I felt like I had failed them.

I had to tell the kids they couldn’t have some of the things their friends had, we couldn’t g on any vacations and birthday gifts were once again going to be skimpy.

I couldn’t have possibly felt any lower.

I hated seeing the mailman approaching our house because I just knew we were getting more late payment notices.

I knew I needed to do something.

I needed a plan to get off this miserable roller coaster.

I realized I had to change my entire mindset about money and how to get it.

I needed to re-program my mind and start thinking about money like a millionaire (even though I was far away from becoming one).

I had to do it even I was struggling to pay my bills and had only an average job with a limited salary.

Since I didn’t have much knowledge at the time about money and wealth accumulation, I started researching books on the topic.

One thing became crystal clear—Before you can accomplish anything, you first have to program your mind properly.

I realized that a good part of my problem was all the negative thoughts about money that were building up and cluttering my mind.

Thoughts such as: “Money is the root of all evil”, “Rich people got rich by cheating” and “Nobody in my family was ever rich, so I won’t be either”.

Forever having been stuck in these same “wealth resisting” patterns (even for many years), it was going to be tough to undo all the damage. I realized that this would take time.

I had to first “hypnotize” my brain to banish all these bad thoughts and reprogram it with all new positive thoughts about money.

My research showed me that it was actually my subconscious mind and all those bad thoughts that were interfering with my ability to achieve wealth.

But, I also found that there are ways to overcome this problem and remove the blockages from anyone’s path to success.

I was able to obtain some recordings which I listened to over and over. They were the tools I used to remove all those limiting beliefs about wealth.

Once these new thoughts and beliefs became hardwired into my brain, my subconscious started working to keep me living in alignment with my new beliefs.

This paved the way to allow me to start building wealth and to finally getting off the horrible roller coaster that had held me captive til now.

Here are some of the things that were accomplished:
• Erase negative self-beliefs about money from your mind
• Program positive, empowering thoughts into your mind
• Help break destructive wealth habits
• Introduce positive new millionaire success skills
• Program proven millionaire wealth building strategies straight into the storage vault of your mind

This actually took care of ridding my mind of all the problem causing thoughts.

Next, I had to start programming my mind with the “good” thoughts. The thoughts that would allow me to start achieving my money and wealth goals.


My most pressing and immediate goal was to finally be rid of debt from my life forever.

After that, would be to build a successful business, earn my first million and, finally, achieve total financial freedom.

Did you know that 95% of the world’s wealth is controlled by only 5% of the population?

I firmly believe that as of this moment, ANYONE in the free world can become a millionaire. I know that’s a bold statement, particularly if you’re toiling under the burden of crippling debt. You just need some guidance.

But, I believe it’s true and I’m convinced that you will soon believe it, too.

The ultra rich understand what it takes to turn any amount of income into exponential wealth.

It makes no difference how large or small your wealth goals are, it boils down to five money making success fundamentals.

The first of these steps is to transform your mind into a wealth magnet.

Everything begins with the proper mindset.

“The single most powerful asset we have is our mind. If trained well, it can create enormous wealth.”
Robert Kiyosaki, bestselling author of Rich Dad, Poor Dad

There are five distinct steps to creating your wealth mindset.

Stop working for money and let your money work for you.

Don’t spend all your time worrying about making more money or paying bills and expenses.

Think about how you can achieve greater success, how you can better your business and how you can better yourself, as well.

When you do this exercise, you’ll realize that you’re in control and that you can make money come to you.

You’ll never have a scarcity mindset about money again. You’ll know there’s plenty of money available to anyone who wants to take it.

Banish the scarcity beliefs for good.

As a child you probably heard “Money doesn’t grow on trees” or” There’s never been enough money to go around”.

You’ve probably heard these or similar sentiments your entire life. You may have even said them yourself.

What happens is you actually come to believe that money is scarce and difficult to come by.

  • Some other limiting beliefs you’ve heard are:
    1. I’ll never be rich
    2. I’m not smart enough to be rich
    3. Money’s not important
    4. I’m bad at business-everything I try always fails

People spend so much time stressing about money, they never even try to build wealth. They simply conclude it can’t happen for them.

The way to rid yourself of these beliefs is don’t allow them to exist.

Money makes no judgments. Money doesn’t care who gets it. Smart or stupid, tall or short, skinny or fat, it’s all the same to money.

You need to decide for yourself that you can become wealthy. You need to expel all your toxic beliefs.

Choose to be rich and decide to succeed. Picture it in your mind constantly until you want it so badly that you can taste it.

Dispel the fears.

There are a number of common fears that stop people from accumulating wealth and becoming rich. They are:

The fear of failure. You can become so afraid of failing that you refuse to ever try anything. This fear keeps you from moving forward and you often lose out on opportunities.

The fear of being poor. The ear of not being able to pay bills, being homeless, or not being able to provide keeps people tied to a hated, dead end job just so they can pay the bills and get by paycheck to paycheck.

They become “money slaves”.

The fear of success. At first blush, this one seems strange. Everybody has a desire to succeed, so why be afraid of it?

Success may mean moving into new, unfamiliar territory. Old friends may become resentful. Success may require new friends and new social circles. People are unsure whether or not they’ll be able to fit in.

People fear the necessity of having to become a whole new person.

They may also believe that rich people are evil or that the only way to get rich is to cheat other people.

You have to understand that failure is only temporary…as long as we analyze our failures and learn from them.

Thomas Edison failed hundreds of times, but he said he never failed, he just learned hundreds of ways how not to reach his goal. Eventually, he succeeded.

You don’t have to be perfect; you only have to be good enough. Humans are not perfect by nature, so you don’t have to be either.

You will only get, in life, what you want by thinking only about it and stop focusing on those things you don’t want; i.e. struggle and poverty.

Positive thoughts about money will attract it, where negative thoughts will repel it.

Cultivate a positive money mindset

Millionaires radiate positive energy and confidence. This comes from having a mindset of abundance.

There’s enough to go around for everybody. It’s the exact opposite of the scarcity mindset.

There’s a bigger “piece of the pie” for anyone who’s willing to go after it.

The fear of failure will never be able to hinder you. There’s no need for jealousy.

Have a goal

You need to have a target to shoot at. Your target must be written, definitive, have a due date and be something that will cause you to exert yourself.

Determine your specific numbers, not just a random estimate of where you want to be.

You must also have a compelling “why”. Accumulating wealth isn’t always going to be easy. The path to riches doesn’t go in a straight, unimpeded line. There will be stumbles along the way.

Your “why” must be strong enough to keep you going in spite of any difficulties you may encounter.

Then you also align your brain (mindset) directly with your target (goal).

Your mind can’t deal with anything vague. Your target must be clear and visible. See your nice, fat bank account, see yourself in your brand new sports car, picture your family in your new dream home.

Be clear so your mind can focus on the target. Napoleon Hill wrote in Think and Grow Rich, “Whatever your mind can conceive and believe, it can achieve”.

The more you focus on visualizing this image in your mind, the more likely it will come to life.

This completes our first installment on mindset and the critical importance of creating the proper mindset in order to allow yourself to accumulate wealth.

In my next post about wealth accumulation and becoming rich, I’ll be looking at building “wealth magnetizing” relationships.

While the information I’ve provided here is invaluable, it’s only an outline of the process.

To get more in depth step by step information on how to rid yourself of money worries, click the link below for more information.

Four Percent Review…Not For The Other 96%

I’ve been telling you about a product I recently

It’s a product that accomplishes things which I
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First and foremost, it contains step by step, over
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There’s nothing left out to guess about…just
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The training is called “Operation 100k”.

The reason for the name is because the program
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It will be done on camera, raw and uncut…

You’ll be able to see every mouse click…

I don’t know of any “gurus” who would have the
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Once your funnel has been set up, the system will
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It contains multiple streams of income and you can
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You would think that it really couldn’t be any easier…

Except that it is…

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That’s right…you can sign up at no cost and get
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I could spend more time telling you all
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