All articles written by: Henry Biagacz

Sales Funnel…Ignore It At Your Own Risk

If you don’t have a sales funnel in place, you’re wasting money, time and effort.

And, in all likelihood, your business won’t succeed.

Simply put, if you don’t have a sales funnel, you’re putting your entire business at risk.

So, what exactly is a sales funnel? And, why do you need one?

A sales funnel is a marketing system which does all your selling for you. 

It’s how you automate the selling process so you don’t have to be available to personally deal with every prospect-24/7, 365 days a year.

It’s the process your prospects go through that leads them from being a potential customer to becoming an actual customer.

It takes them by the hand and guides them smoothly through the transaction all the way to its successful conclusion.

Right to the point where they buy the first time and become a repeat buyer.

Just think about an ordinary household funnel which is used to avoid spillage and waste.

A sales funnel maximizes your resources and sends your prospects in the direction you want them to go.

You pass them through the basic stages of your funnel as you educate them on the benefits of doing business with you.

There are mainly four stages to a sales funnel. They can be customized to fit your exact market and prospect.

The four stages are:
• Awareness
• Interest
• Decision
• Action


The prospects have a problem that needs a solution.

The best markets are those where the problems are more urgent and require the fastest resolution.

These prospects are most likely to buy quickly.

At this stage the prospect becomes aware of your existence and visits your site in search of his answer.

At this point he wants help with his problem, but hasn’t yet made any decision to buy from you.


The prospect continues his search looking for a solution to his problem.

You attract him with useful content; showing that you understand his problem and feel his pain.

Perhaps you even suffered from the same problem and can show additional empathy to help build your relationship and trust.

He has expressed an interest in your solution; all with your funnel’s guidance.


He’s now making the decision that he wants to take advantage of your solution.

At this point, he’ll see your sales page which will show him different packages and options so he can make his best purchase decision.


This is the final step and the goal of your entire sales funnel process. This is where he makes the decision to buy and becomes your customer.

The goal of your entire business is to get your prospect to this point.

The point where he transitions from prospect to customer.

As you can see, the sales funnel plays a vital and irreplaceable role in the whole process.

It’s fair to say that without a proper sales funnel in place, you really don’t have a business.

But, the foregoing may still not be the biggest reason you must have an effective sales funnel.

I believe the most important reason for an effective sales funnel is because it does all the selling instead of you.

Can you imagine what it would be like if you had to personally deal with each prospect individually?

Nothing could be less effective .

With a sales funnel, you will only build it once and it can continue working efficiently for you far into the future.

All the while making sales on your behalf.

Here’s a little secret that the gurus won’t share with you. A sales funnel, instead of just a sales page alone, can easily double, or even triple, your profits with the exact same effort.

A test was recently done where the exact same product was sold without a sales funnel, only a sales page, compared with sales with a complete sales funnel in place.

The result of that test should not come as a surprise.

The campaign without the funnel yielded $11.700, whereas the campaign with the sales funnel earned over $45,000!

This is from one campaign for one product.

One campaign had a total of seven different pages which took the prospect from stage to stage until the final purchase decision.

Your sales funnel can also contain an opt in page which is connected to your autoresponder.

So, not only will your funnel make sales for you, it will build an email list, too.

This will allow you to make sales to your customers as far into the future as you wish.

As you can, imagine, building a sales funnel is a huge undertaking.

Frankly, not everyone is capable of building an effective funnel with all its various pages.

It’s a massive amount of work.

However, there’s a brand new automated software, Instant Funnel Lab Pro, that will build funnels for you.

Learn how to get instant access to Instant funnel Lab Pro

You just need to provide some very basic information and the software will take care of the rest.

And, instead of spending weeks, or even months, perfecting your funnel, the software can build you multiple funnels in no time.

To learn more and see this Instant Funnel Lab Pro in action, CLICK HERE.

Remember, without an effective and efficient sales funnel, you really don’t have a business.

Stop leaving money on the table and bring your business to its full potential.


Instant Funnel Lab Pro







You Must Master This…Or Else

Did you know that only a very small percentage
of internet marketers achieve any level of

The level of success that will provide them a
full-time income from their internet business?

Surveys have actually shown that maybe 5% of marketers
make more than $100 per month from their efforts.

There are any number of reasons given for this-

information overload,

shiny object syndrome,

taking no action, etc., etc.

But there are really four main areas where people
get STUCK…

Once you’ve mastered these, you can be
on your way to creating a successful and
sustainable business.

So, what re these four elusive areas?

They are:

List building

That’s it…there’s really no more than that.

Let’s talk right now about the first two.


Nothing happens unless a sale is made.

In order to make a sale, you must have a
customer first.

But, you can’t just have a random customer.

You must have a customer who’s interested in
the product you’re offering.

In addition, you’re going to need to be able to
create a steady stream of these targeted customers.

There are many ways to drive traffic.

But, you need to know which is the most effective
for your offer and which will only cost you
money and time, but, won’t put any
money in your pocket.

Is it better to do free traffic or paid traffic?

Do you know which will work better?

Do you know how to do proper tracking, so
you’ll know how effective your campaigns are?

What’s the most effective way to do paid traffic
when you have a very limited budget?

List Building:

If you’ve been in online marketing
for even a short time, you’ve probably heard…

“The money’s in the list”.

And, you know what? It’s true!

Your email list will be your business’ most
valuable asset.

You pay for it once as you build it and it
can pay you back for many years into the future.

The internet marketing rule is that you earn $1 per
month for each subscriber on your list.

When you do the math, you can see how fast the
numbers add up.

But, just knowing the importance of a subscriber list
is not enough to get the job done.

You need to know what it takes to get people to
join your list.

Most folks are on numerous lists and get lots
of email every day.

Why should they also join up to your list?

What makes you so different?

How do you appeal to strangers so they’ll willingly
sign up and open your emails?

It’s not nearly enough to just get an opt in. How can
you increase your open rates and click through rates?

How can you get folks to eagerly wait to hear from you
and read what you sent them?

What are the best ways to use social media to
grow your email list?

These are a lot of things to think about for both
traffic and lit building.

They are two of the four areas where so many
marketers get STUCK and lose their way.

In the meantime, if you’d like to see a way for you
to get your online business UNSTUCK quickly and
get right on the road to success:


If you get STUCK in your business, it’s crucial that you get
UNSTUCK as fast as possible.

Unfortunately, many marketers remain stuck at this
point and simply fade away.

Don’t let this happen to you…

It’s a tough way to have your dreams destroyed.



This involves repeatedly turning your
prospects into action takers on command.

You can drive traffic to your offers and you can
successfully obtain subscribers to your email list.


If they don’t convert into buyers, what have you really got?

You’ll have a nice list of prospects, but no income.

When you think about it…what’s your list actually worth?

Not a whole lot.

You have to learn how to turn prospects into action
takers on landing pages, sales pages, websites and

Did you know that there are a number of hypnotic
factors that practically FORCE people to buy?

Are you familiar with the affiliate conversion tactics
that can help you bank additional hundreds every day?

How about the back end methods to convert low
ticket buyers into high ticket purchasers that will
exponentially multiply your income…with very little
extra work?

So many would-be entrepreneurs overlook these
tactics…and pay dearly for it.

You don’t want to be one of them.


is the duplication and automation of
systems for growing your business.

Once you’ve figured out what works in your business, you
want to do it as much and as often as you can.

Scaling is where fortunes are made.

The beauty of scaling is that once you know what works,
it becomes progressively easier to duplicate.

This allows you to quickly stack up those big bucks.

Do you know there are tools and apps available right
now that can help you scale your business quickly
and efficiently–with a minimum of work on your part?

How about tools that can automate your income, even
if you’re on a shoestring budget?

Are you familiar with the keys to managing big projects
and multiple projects at the same time?

How about winning product launch contests?

Or, how about creating systems that allow you to earn
commissions continuously on an evergreen basis?

Between these four areas, there’s a lot to learn.

With so much knowledge required, it’s easy to see why
so many marketers get STUCK.

Don’t let it happen to you.

If you’d like to really dig in and learn how to do this stuff
the right way the first time, you can CLICK RIGHT HERE
and check out the free video.

It will make sure that you stay on the path to your success.

It will keep you from getting STUCK.

==>Here’s your free video<==


























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

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