Author: Frank

A key component of personal finance is planning, which is a dynamic process that requires regular monitoring and re-evaluation: Goals most people have is paying off credit card and loans or debts, investing for retirement, college funds for children, paying medical expenses, and planning for passing on their property to their children.
The six key areas of financial planning are.
1. Financial position: is concerned with understanding the personal resources available by examining net worth and household cash flow. Net worth is a person’s balance sheet, calculated by adding up all assets under that person’s control, minus all liabilities of the household, at one point in time. Household cash flow totals up all the expected sources of income within a year, minus all expected expenses within the same year. From this analysis, the financial planner can determine to what degree and in what time the personal goals can be accomplished.
2. Adequate protection: the analysis of how to protect a household from unforeseen risks. These risks can be divided into liability, property, death, disability, health and long term care. Some of these risks may be self-insurable, while most will require the purchase of an insurance contract. Determining how much insurance to get, at the most cost effective terms requires knowledge of the market for personal insurance. Business owners, professionals, athletes and entertainers require specialized insurance professionals to adequately protect themselves. Since insurance also enjoys some tax benefits, utilizing insurance investment products may be a critical piece of the overall investment planning.
3. Tax planning: typically the income tax is the single largest expense in a household. Managing taxes is not a question of if you will pay taxes, but when and how much. Government gives many incentives in the form of tax deductions and credits, which can be used to reduce the lifetime tax burden. Most modern governments use a progressive tax. Typically, as one’s income grows, a higher marginal rate of tax must be paid. Understanding how to take advantage of the myriad tax breaks when planning one’s personal finances can make a significant impact.
4. Investment and accumulation goals: planning how to accumulate enough money to acquire items with a high price is what most people consider to be financial planning. Major reasons to accumulate assets include, purchasing a house or car, starting a business, paying for education expenses, and saving for retirement.
Achieving these goals requires projecting what they will cost, and when you need to withdraw funds. A major risk to the household in achieving their accumulation goal is the rate of price increases over time, or inflation. Using net present value calculators, the financial planner will suggest a combination of asset earmarking and regular savings to be invested in a variety of investments. In order to overcome the rate of inflation, the investment portfolio has to get a higher rate of return, which typically will subject the portfolio to a number of risks. Managing these portfolio risks is most often accomplished using asset allocation, which seeks to diversify investment risk and opportunity. This asset allocation will prescribe a percentage allocation to be invested in stocks, bonds, cash and alternative investments. The allocation should also take into consideration the personal risk profile of every investor, since risk attitudes vary from person to person.
5. Retirement planning is the process of understanding how much it costs to live in retirement, and coming up with a plan to distribute assets to meet any income shortfall.
6. Estate planning involves planning for the disposition of one’s assets after death. Typically, there is a tax due to the state or federal government at your death. Avoiding these taxes means that more of your assets will be distributed to your heirs. You can leave your assets to family, friends or charitable groups.

Our Vision is to assist Equip, Teach, Train, our population each and every one interested in starting on the road back to making a decent living after the job that used to be our lifestyle and Enlarge the Network of people looking to Achieve, personal & financial Success in life. Through the network marketing system where everyone works together and has the ability to achieve whatever level of income would be a comfortable lifestyle for each one.

We have for your connection and opportunity to work from home part time with a team of people that love to assist each other with the daily business tasks of creating a lifestyle income from home, a business opportunity giving you access to a number of countries working right across the globe in health and nutrition.

This is an ideal business model capturing a large portion of the market interest, when the job market shrinks like today the internet and network marketing pickup drastically because people are looking for other ways to make a living. This at first glance may not be the ideal for you but after looking at it more closely, I think that you will find it to be a very sound comparable source for a very lucrative lifestyle.

Anyone looking for extra income working part time with people you like this is your best choice for the future in the virtual world of income. Taking into consideration the circumstances we are facing with the job loss in the market, this could become a Great alternative?

This is a Legitimate Business opportunity and is completely online giving everyone the ability to connect for the process of reaching the Globe with this amazing system and opportunity. We believe that the “internet” is a powerful tool for any business to be Successful. I would encourage everyone to do their research for the company that’s right for you, with full Team support and system for your personal preference, working together is the only way for us to restore the economic system and functionality of our world “Entering the Network of Online Business and Prosperity ” to build your life into a total success with overflow living.

We have been given an opportunity to spread the message of how each one of us can improve our lives with products of True HEALTH, and income of True Wealth in working from home. There is NO Emptiness in a GOOD Business of Substance, and we believe there should not be Emptiness in any aspect of our lives, including relationships, careers, family, health, finances and Godly Success. We believe that constant struggle in life is a choice, not a destiny. This business opportunity in working from home is an alternative to the lack of what a job would provide if we still had jobs to go to!

We have the ability to reach out to our friends, relatives and Nabors sharing /assisting others and becoming a part of a united force for the alternative process to a job for a better lifestyle opportunity changing people’s lives one person at a time, adding value to each other as we work together to achieve the lifestyle we all want to have, improving life for ourselves as well as our family, friends and Nabors. A valuable opportunity to each and every person that is in need for extra income and those we know that could use extra income and may be interested in working from home improving their lives wanting better for Him or Herself, to build an improved lifestyle and world for themselves and their families.

Building a worldwide Organization in Network Marketing with “Devoted People working together as a Team” to overcome the level of poverty that looms over so many today evolves a lot of personal growth in multiple areas of our lives. We would like for you to partner up with us in bringing this great opportunity to everyone you have connection with to provide Good HEALTH and prosperity in all our business activities, transforming People from the sick and poor to the HEALTHY & WEALTHY Lifestyles.

We believe in the process of empowering each other in the process of improving ourselves and teaching others around the world the Success traits and Quality of Leadership. The purpose here is to gather together in one voice to all who have a need and know of others that are the same need, teaching and equipping everyone that is Serious.

United we stand, divided we fall …

Running a successful home business is very much a matter of how we program our thinking, and the way that we think is probably the most important thing we could do to either be successful or not. Now the foundation for self-improvement begins with how we think about ourselves and the everyday use of affirmations. Upbeat and encouraging phrases encourage us to think positive thoughts, feelings and actions that you need to bring your goals to fruition.

You can reprogram yourself for success with the correctly used affirmations, or you can program yourself for defeat by using the wrong or incorrect affirmations.

How you phrase your affirmation is a big part of how your mind receives it. You should always phrase it in a positive way, the here and now way and with conviction. For example, “I am fit and healthy” is much better to say than “I don’t want to be fat”.

You should speak your positive affirmation out loud (because you need to hear them) possible 5-10 times each day especially “each morning and evening” just before going to sleep as your mind works with the last bit of programing you receive just before going to sleep, so remember to say them out loud and not just think it, repeating them numerous times throughout the day will solidify them into your minds thought the process and the more you think of them the more your mind pays attention to them (remember that what you focus on has your attention)(& what has your attention Grows) working on making them reality. With your continual use of positive affirmations you will notice how your goals will slowly start forming and becoming reality.

When you are repeating “I am fit and healthy”, doubt is normal …especially when you are looking in the mirror and see someone that is possibly overweight and not healthy or in shape while repeating your affirmation. Do not let your doubts get to you and do not beat yourself up over them, they are normal …instead, just repeat your affirmation again over and over with even more conviction.

Proverbs 18:21 King James Version (KJV) Death and life are in the power of the tongue: and they that love it shall eat the fruit thereof.

Speaking Positive affirmation OVER Yourself! will produce them in reality! That’s Gods law… (The more that YOU here them the more you believe them.)

Confession is the most Powerful Voice in you life, because; you believe YOU more that anyone or anything else. So speak positive messages over yourself it will bring positive things into your future! 

(Because the Bible says that you forecast your future with your words.)

People often quit using their positive affirmations before they have even started because they feel that it is stupid and harebrained. Remember, even when you exercise every day you don’t see an immediate difference, it takes time and work. Your affirmations take time to work and you need to keep a positive attitude, no matter what you see in the mirror So Speak Positive WORDS.

How you feel is an important part of saying your affirmations; so you need to remove any doubt and make you affirmation mean something to you. You can produce quicker results and have continually positive feelings about your affirmations by adding one little word.

A very powerful way to phrase your affirmations is instead of saying “I am fit and healthy”, you would say, “I am becoming a fit and healthy person”… Instead of “I am a millionaire”; say “I am becoming a millionaire”.

By adding the word “becoming”, it allows you to stay positively focused on your affirmations. You can also use “I am in the process of…” For example, “I am in the process of running a successful home based business”

The more positive emotions you add to your affirmations, the sooner they will come into existence. Using these or similar modifiers can help you mentally believe the affirmations as true, and that will increase your positive emotions.

You know how they say Success and Failure are 6 inches apart from the left ear to the right ear, that’s because we either think positive or negative thoughts, so make sure that you promote the outcome you want to see materialize in your life!  (THINK POSITIVE THOUGHTS)

Following are some examples you use or make up your own…

• I have the power to create all the success and prosperity I desire.
• I let go of the old, negative beliefs that have stood in the way of my Success.
• My mind is free of resistance and open to exciting new possibilities.
• I am worthy of all the good life has to offer, and I deserve to be successful.
• I believe in myself and my ability to succeed.
• I am grateful for all my skills and talents that serve me so well.
• I am enjoying my work today and optimistic about what lies ahead in the coming days.
• The universe is filled with endless opportunities for me and my Success.
• I am surrounded by positive, supportive people who believe in me.
• I am always open minded and eager to explore new avenues to success.
• I recognize opportunity when it knocks and seize the moment.
• Everywhere I look, I see prosperity.
• I am well organized and manage my time with expert efficiency.
• I am committed to achieving success in every area of my life.
• My ambitions are in perfect alignment with my personal values.
• By creating success for myself I am creating success and opportunities for others.
• As I take on new challenges I feel calm, confident, and powerful.
• Creating solutions comes naturally to me.
• I always attract successful people who understand and encourage me.
• I recognize every new challenge as a new opportunity.
• I celebrate each goal I accomplish with joy and gratitude.

1. I have the power to do the most incredible things
2. I’m confident in myself and my abilities
3. I always make the best decision for myself
4. I am in charge of my life
5. My confidence in myself grows more and more every day
6. My confidence is constantly increasing
7. I’m a magnet for success
8. I can achieve anything I put my mind to
9. I love myself
10. I believe in myself and my abilities
11. I have the power to accomplish everything I need to do today
12. I know I’m making a difference
13. My clients love to work with me
14. I’m constantly inspiring people around me
15. I’m proud of myself and my achievements
16. I wake up each morning feeling confident and empowered
17. Confidence is my birth right
18. I’m successful in everything I do
19. I attract success by being my authentic self
20. Everyday in every way I’m becoming more confident
21. All of my thoughts, plans and ideas lead me straight to success
22. I’m radiant with confidence, certainty and optimism
23. I exude confidence
24. I’m confident in the decisions I make
25. I trust myself and my intuition
26. Every decision I make leads me towards my desires
27. Confidence is my middle name
28. I live each day feeling confident and grateful
29. I love seeing my confidence grow every single day
30. I radiate confidence and positivity
31. I am confident

     

    START YOUR NEW LIFE WITH CHRIST JESUS TODAY
    You can have real, lasting peace today through a relationship with Jesus Christ. Start your four-step journey now!

    Step 1 – God loves you and has a plan for you!

    The Bible says, “God so loved the world that He gave His one and only Son, [Jesus Christ], that whoever believes in Him shall not perish, but have eternal life” (John 3:16). Jesus said, “I came that they may have life and have it abundantly”—a complete life full of purpose (John 10:10). But here’s the problem: 

    Step 2- People are sinful and separated from God.

    We have all done, thought or said bad things, which the Bible calls “sin.” The Bible says, “All have sinned and fall short of the glory of God” (Romans 3:23). The result of sin is death, spiritual separation from God (Romans 6:23). The good news?

    Step 3 – God sent his Son to die for your sins!

    Jesus died in our place so we could have a relationship with God and be with Him forever. “God demonstrates His own love toward us, in that while we were yet sinners, Christ died for us” (Romans 5:8). But it didn’t end with His death on the cross. He rose again and still lives! “Christ died for our sins. … He was buried. … He was raised on the third day, according to the Scriptures” (1 Corinthians 15:3-4). Jesus is the only way to God. Jesus said, “I am the way, and the truth, and the life; no one comes to the Father, but through Me (JESUS)” (John 14:6). 

    Step 4 – Would you like to receive God’s forgiveness?

    We can’t earn salvation; we are saved by God’s grace when we have faith in His Son, Jesus Christ. All you have to do is believe you are a sinner, and that Christ died for your sins, and ask His forgiveness. Then turn from your sins—that’s called repentance. Jesus Christ knows you and loves you. What matters to Him is the attitude of your heart, your honesty. We suggest praying the following prayer to accept Christ as your Savior:

    “Heavenly Father, I know I’m a sinner, and I ask for your forgiveness. I believe Jesus Christ is Your Son. I believe that He died for my sin and that you raised Him to life. I want to trust Him as my Savior and follow Him as Lord, from this day forward. Guide my life and help me to do your will. I pray this in the name of Jesus Christ. Amen.”

Achieve Success First By Adding Value …
So you think you have found the best networking marketing company for yourself, and you’re excited to get going! The question is how can you cut your learning required quickly and transform yourself into a top earner in your new company Business?

These days, with the Internet, you can utilize the power of Google, Yahoo, MSN and many more capturing the attention of millions. Building the best network marketing business is so much more powerful when you leverage the power of the Internet and a large group of people.

So, with the old school model of Network Marketing, the more people you present the information to, the more success they say you’ll achieve, right? Wrong… If that was the case, then it would be simple to become the top income earner of the Network marketing company you chose. Why is it that there is still only a fraction of the people who you present to that realize their capability and reach their goals and gain success?
What are the secrets of the top income earners and how do they succeed where so many others fail?

It’s about the System Process, Motivation and Determination. Successful entrepreneurs are doing what they love doing, and remember that the successful are doing it, not just waiting for it to happen or waiting for someone else to do it for them, loving what you is the key otherwise they wouldn’t be doing it either, nor would they be successful. Passion is absolutely necessary for large Success, says Donald Trump. Network Marketing is about sharing your passion, there’s no question about that.

However, it’s not just about being passionate about your company and products. Top income earners know that when they share their enthusiasm for learning, sharing your knowledge, and leveraging their time and efforts coupled with the passion of helping others that they to create success for themselves with others, and that process helps each of us to find those that are right for the opportunity and many other will follow.

As you continue to be a leader and cultivate leadership relationships in others, using the Internet to leverage your time, and share your talents with your team and new members, you won’t have to chase people to join your business. Instead, people will seek YOU out and join your business because of what you have to offer them.
Is it that simple?

Yes. When you are sharing your talents and become the leader people want to follow, you will be selling yourself as an expert in the industry. You will distinguish yourself amongst a sea of other people who are trying to climb the success ladder, and sometimes claw their way to the top.

The Law of Attraction is always at work for us, giving us an opportunity to build what we want. Remember that I said BUILD there are so many companies out there that will try to tell you that you do not have to do anything to become rich, and that just doesn’t happen in the real world. If you are clear on where you stand on the belief system and in yourself to back it up, there is nothing that will stop you from becoming a top income earner.

So, “Take the leap of faith that’s necessary in any worthwhile endeavour and turn this opportunity into Success. Network Marketing is a business in which everyone CAN succeed if you are serious about getting or having a better life for yourself.

After you’ve found that best network marketing company for yourself, make sure that it offers a powerful team of experts who can show you the way, and then be coachable and follow what the top 3% of successful income earners are doing. Become a student of Network Working Marketing industry and grow
your knowledge. Then simply share what you’ve learned.

If you provide value in a caring environment first, Success can’t help but follow you.

Attitude determines altitude. How many times have we all heard that saying? If my attitude isn’t where it should be, I am reminded to make some changes in my thoughts and in my mind to lift myself to where I want and need to be.

Attitude is extremely important in business – especially in Network Marketing. Network Marketing is a wonderful business that attracts people from all business backgrounds, and even those with no business experience at all. It allows someone who possibly would never achieve great wealth otherwise, to have a legitimate work from home chance at building the kind of six or seven figure income that people only dream of. But if that is ever to truly happen with you, then Network Marketing must be understood clearly or any new prospect might just find their dreams frustrated.

To achieve great Network Marketing Success, business models and compensation plans are important, but ATTITUDE is everything to achieve it. The most obvious proof that it takes more than a good business to bring somebody success is the fact that there are enormously successful people in every Network Marketing company! These people have found a company that suits their liking and then they have worked hard to make the kind of income that they wanted. They have the attitude that nothing and nobody will get in the way for them to reach the top income position.

First, they have stopped listening to Dream Stealers the Nay Sayers in their lives, people that a may have heard of someone they know that tried MLM, and like the game of golf when you first try it you’re not very good at it but instead of learning how to do this business properly they go around spreading their negativity about how it doesn’t work, but if you were to see the lack off efforts they put into building their network I’m not surprized that they didn’t get it up and running good they only tried to imitate it without the effort required. These people live in a doom and gloom world and make sure that everyone they know gets the same results in theirs; tearing down others with their pessimism and offer their support of discouragement. The successful people know that these negative people are so negative and bored with their own miserable lives that they have to tell everybody else why their network marketing business will fail. People with no dreams will try to crush other people’s dreams. Knowing this, why would they listen to even a word that these nay Sayers have to offer?

The successful also know how much sense the business made when they first looked at it. They remember how excited they were at the prospect of quitting their job and being financially free. Discouragement and the lack of a good Attitude will find that there is no room in the head of the positive person because excitement about making a great income for life in Network Marketing is already there. The type of person who achieves success in Network Marketing is the one that says, “I know why I joined the business, I know what I am doing now, and I am confident in where I am going. No one will derail me because I am focused on my objective.”

So let’s all remember that all the bad press out there about Network Marketing has been created by people who never had success because they never applied themselves to the process or they let other people control their destiny with a bad attitude. I say that we should all regain control of our own desires and attitudes and lift them up to a higher plain. Success in Network Marketing is absolutely possible today for anyone and depends on you finding the company you like and the going to work with a never quit attitude.

Marketing Company like USANA Health Sciences and T.B.G.H.B.O (TheBestGlobalHomeBizOnLine) offer the best training and personal support and material to keep you uplifted and encouraged along with all the local and online support with other materials to help you keep a successful disposition at all times!

I read an article yesterday that said we have over 200,000 people joining a network Marketing Company each and every week today, when you think about those 200,000 people do you think for one minute that all of them don’t know what they are doing and are joining companies that only out there to rip them off? I think not as I know there are millions of people out there that are making a phenomenal income each and every week from Network Marketing in fact they make a greater income then what they could ever make with any job!

Because in Network marketing we all work together, where do you see that in any job?