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The Mayans Were Wrong But The Fiscal Cliff was only postponed

5 Jan

The Mayans Were Wrong But The Fiscal Cliff was only Postponed

We went over the cliff- technically. Accept it. Don’t buy the news channel shenanigans. Everyone breathed relief for about 5 minutes then went back to their favorite tv show. Not to malign the masses but if we don’t look out for our well being who will. I don’t care if you are a dem, rep, con, gop, etc, etc. You can never trust anyone to make your life better than you can.
In the gym I won’t ask for a spot from a weaker guy/gal. Also I won’t ask for a spot if I’m not reasonably sure I can lift the weight.
Lesson here: you don’t go heavy if you can’t go heavy. Its that simple. The treasury, The Fed, everyone wielding power has a vested interest in winning. Don’t you too?
We ALL do.
However most people are concerned with the Kardashians and or the sports page.

So back to the cliff. We have about 2 months. Roughly 60 days to get to a place where we all win. But that won’t happen.
Does anyone realize that our taxes have gone up from obamacare?
Everyone’s, in every brackets.
Then the social security went up. Its been down for a few years but this was bad. We got a few hundred bucks per person every check- but that money wasn’t meant for now. It was meant to hold social security up. Now some people will sell social security as an entitlement but if you look it up- you paid into it. It is your money.. I’m not anti government- by no means.
I love our country. I love the last three presidents. But we have to be personally responsible. We have to vote and invest from that mindset. I don’t plan to rely on social security- but I know millions do.
That being said many are about to get hit every check. I won’t blame Obama. But I will challenge you to do more. To be more.
Knowing your expenditures are going up no matter what you cut- do you have a plan?
You should.
I do. I’ve cut expenses and even moved in the last year in anticipation of being ready for all the tax raises I might face. I own my own business but still want to maximize my deductions while increasing my income.
Do you see how that can help?
Spending less while making more will lead to a future you can embrace if not beat.
Meet me at the top my friends- we are all we have.

#thriveorsurvive.

“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” -Suze Orman

“Your net worth to the world is usually determined by what remains after your bad habits are subtracted from your good ones.”
-Benjamin Franklin

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Is Your Price Point killing Sales?

2 Jan

Is Your Price Point killing Sales?

Sales are the heart of your business 9 out of 10 times. Bloggers and a few other specific businesses may sell indirectly or not at all. So working from this premise we can assume that you want to sell product consistently and repetitively (we all want customers to come back).
Assuming you want long term cash flow and growth and you aren’t looking for a one hit wonder.
We will also assume your product is killer, has good branding, marketing, and social media presence.
So all of those factors being declared let’s look at a factor a lot of up and coming entrepreneurs overlook, the price point.

A quality product or service has to have a proper price point as well or you risk eroding your profits.

Priced too high.
When you price your product too high you may miss your target audience. Indeed the very people you want to buy or benefit from what you offer may not be participants. This is where knowing your key demographics comes in handy. Data is always your best friend even if its implications appear negative. Let’s say guy X wants his tee shirt line to sell for 35 dollars a piece. Now data shows us people pay way more, 5 times as much in some cases. However you have to have the immersion, the marketing, and PR to make it work. Not to mention the distribution channels and so forth.
Guy Y on the other hand only wants a small profit and undercuts guy X by 10-15 dollars a tee shirt. In this economy especially he may beat guy X. Also at that price point people may buy 2 for 1 which is only a few bucks more. His lower price point has created new price points and may yield greater sales. If 5 dollars more buys an additional tee many people will opt for that deal. Have we not doubled sales on average? I’d say that all factors being equal we probably have.
If we look at the Kardashians we see proof of this. Their mainstream line is at sears and priced to sell. It is not on rodeo drive or 5th Avenue. This is simply to maximize profits. When you appeal to the mainstream you open yourself up to a greater amount of potential clients.

Priced too low.
The opposite can be said as well my friends. If Honda dropped their flagship Accord Model 13,000 dollars people would stop and think. Most would worry. As an Accord owner twice over I know that I pay a premium for value. The Honda brand is synonymous with quality and reliability. To under price that would gut their brand. It all comes down to value. You have to offer it to get fans and customers. But you have to value what you offer and what you create. Establish this before you go to print or sign deals.
Often we get what we expect and if you expect too little you will be little

#thriveorsurvive.

“High achievement always takes place in the framework of high expectation.”
-Charles Kettering

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
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Or simply reply to this article.

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In the Red Corner – Gold Bullion vs. Certified Coins

1 Jan

In the Red Corner – Gold Bullion vs. Certified Coins.

BY Mike Getlin | September 29 2011 1:18 PM

We gold bulls have been licking our wounds over the last few weeks. This summer’s intense upward price movement set the stage for major volatility on the precious metals markets, and long term gold investors are stuck riding out the storm, at least for the moment. Yesterday however, something was brought to my attention by someone out on our trading floor. One of his clients who bought a diversified investment grade coin position early in the month was actually dead even on his overall position. While gold had tumbled by over $300 per ounce, his coins had stayed right where they were showing him no loss whatsoever. Needless to say, this needs a bit of explaining.

Let’s take a look at gold’s correction versus the price movement in a variety of $20 Liberty certified coins. Gold closed at $1895 on September 6th. Over the course of the next 20 calendar days, it shed $297 to close at $1598 on September 26th. That is an overall correction of 18.58% in 14 trading days. The certified $20 Liberty coins fared much better. See the chart below for the comparison.

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The major difference between raw gold bullion and certified coins is the premium (which is often significant) that the coins carry over the spot price of gold. For example, the $20 Liberty in Mint State 66 condition is a coin that sells for well above $15,000. Most investors look at that and wonder why in the world anyone would buy a one ounce coin for over 15 grand! Yet this month, the one who did would be laughing all the way to the bank while the rest of us dream longingly of weeks gone by and $1900 per ounce.

Now this is not to say we should all rush out and dump all our bullion in favor of certified coins. That said, there is clearly an advantage to be gained by owning some of these products that help insulate investors from these volatile markets. The real question is what causes certified coin premiums to change, and what place do these products have in a healthy and diversified gold portfolio.

The debate over whether to buy bullion or certified coins (also referred to as numismatics) has been raging for decades and will probably continue to produce spirited cocktail hour conversation for a long time to come. Some people swear by investment grade numismatics, while others think only a fool would buy anything other than bullion. So who’s right? Both of course. As with most arguments like this, there is a lot of truth to both sides, and each strategy has significant advantages and disadvantages.

On the bullion side, the main argument against certified coins is that they are too expensive. Why pay $3000 per ounce or more for a gold coin when you could buy a Gold Eagle or a bar for $1800? The premium, as well as the dealer’s bid/ask spread is much higher on certified coins as they are more difficult to source and procure. The other argument against them is they tend to move more slowly than bullion coins. For investors who need instant liquidity, or are trying to pop in and out of the markets with some frequency, certified coins present some major drawbacks.

In contrast, numismatists (people who study coins) never forget one simple fact: value comes from scarcity. If you purchase a gold bar this year and sell it in 2015, there will have been millions upon millions more produced and sold between now and then. If you purchase a certified $20 Liberty, you can sleep well at night knowing that never again will a single $20 Liberty coin be produced. It’s hardly even a question of supply and demand, because there really is no supply. Thus when you look at the $20 Liberty MS66 in the graph above, you see it actually increase in value during gold’s worst month in 20 + years. The premiums on certified coins can move quite independently from the gold market and often times increase when gold goes down. This provides strong buoyancy during gold market corrections; something a lot of gold buyers would have loved over the last few weeks.

All in all, there is no real “right” answer as to whether investors are better off with bullion or certified coins. As such, we’re strong believers in owning both. Ideally, a healthy gold portfolio would have both bullion and certified coins. The bullion will move more quickly, provide more gold per dollar invested, and can be bought and sold at lower margins. The certified coins may have higher long term profit potential, benefit from strong demand and scarcity, and can provide stability in a gold market that is likely to become increasingly volatile in the coming years. As with most arguments, the best answer probably borrows a bit from both sides. As with most investments, the best strategy is probably a diversified one.

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A Paycheck is Never Enough

30 Dec

A Paycheck is Never Enough

Money doesn’t fix your problems.
Money isn’t an answer, its merely a means to trading up toward your goals and dreams being realized. These seem like mixed concepts but bear with me.

A paycheck is not winning.
If you work for money you are losing. Hardcore. Unless you are in the top, let’s say 10% of the income bracket in our fine country you are precariously close to failure. If you are in the bottom 40% you may be already in what I call ‘failure to launch.’
It works like this: when you work for money you are losing. A large majority of folks on this continent are working for peanuts. I’m not here to argue for higher wages. What I am arguing for is that you expect more for your efforts. That doesn’t mean you storm corporate. It means you get to a higher plain. Demand more of yourself. I work hard at my day job. Real hard. And I play by the rules and do as I’m told. And in doing so I’ve earned trust and a little latitude. I’ve also been given more income. Great perk right lol. However I know this job can never be my everything. I want more. I need it. So I’ve had my own business in one shape or form since 2007. I’ve picked up new skills, joined mlm’s, worked with kids through NCLB, sold life insurance and become a licensed bouncer. All of these ventures except one made me money. Some still do actually. Also in doing my job I’ve learned great skills and been privy to great training that has made bouncing/security easier and made my resume for that line of work vastly grander.
Now all of that comes from the mindset that a paycheck is never enough.
We can’t simply work for money day in and day out and then die. Simple. Factual.
What’s your story?
What’s your motive?
Inspire people. Inspire yourself.
For you not to be more than a paycheck player is selfish. Expect more.
Live for more. Do more. Make the dollars you make work for you. Make your free time expansion time.
You need more than a paycheck.
You are more than a job.
Be everything you were made to be. Go beyond the money. Live the dream that is you-specific. Its that simple. Okay, you say Tony you jerk life isn’t that simple.
Fine you win. Enjoy that defeat.
Wow. Cuts deep right?
Its a mindset. Let yours be that there is a WAY- and You will Find it.
When you live and work for more than a paycheck you will be successful. You will be happy. Love your job? Already happy?
Fine. No problem.
One question- couldn’t you be more even in that thing you love?
I’ve found that the harder I work and apply myself at work and at my office- the greater success I’ve had. The more people I’ve helped. And the more abundance I’ve found. Aka my paycheck isn’t everything, and doesn’t have to be.

#thriveorsurvive.

“For every two minutes of glamour, there are eight hours of hard work.” -J. Savitch

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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We’re Going Over the Cliff, Ready?

28 Dec

We’re Going Over the Cliff, Ready?

So the Great Recession is on and by most accounts raging.
What’s next. Some say food shortages. I’m not sure but I know we all need a plan.
Are you ready?

Step 1: Take a fiscal inventory.
Everyone needs to know where they are at.
Get out a pen and a pad and write out all the debt you have and add it all up.
Next see what you make. Look at your last stub for the year and see what you made after taxes for that pay period and the year as a whole.
Your next step is to see what you spend on living expenses. Don’t include your discretionary spending. List that separately.
Once you have all these numbers worked out sit back and look at them. See if you are being foolish or fiscally fervent aka spending correctly. I’m not saying don’t have fun, just budget it in. Don’t be that guy we all know who spends all that’s left after paying his bills and saving that paltry 25 bucks a month. The odds are if you’re that guy you probably transfer that money back to your checking the day after the bank transfers it. Sounds slick to the spender, sounds like slavery to the fiscally efficient.

You have to make a choice. Decide where your values and dreams lie.
Money isn’t everything but poverty sucks. More to the point security is a better feeling and longer lasting. Anyone reading this blog on a smartphone has disposable income. The question I ask you is why dispose of it?

Step 2: Invest, save, or make more.
If you haven’t wandered away yet you probably have found at least a kernel of truth in my words. As someone who was quite the fiduciary fool in days not too far past I learned my lesson the hard way. If I could impart any wisdom it would simply be have a strategy. Let your money make money. And a favorite quote many haven’t heard: Pay you first.. Every dollar should be viewed as a soldier to get you ahead not a party animal to get you a good time with. You can easily invest in something. Not sure? Get an advisor- but do your homework. Many will have you invest in what pays them the greater commission. I personally use forms of life insurance and physical silver currently as my vehicles to grow my wealth. For me it works. For you it may not. But the silver I collect, especially the numsimatic coins, are pretty cool. These graded, sealed .999 silver coins look good and appreciate well. They are my favorite. Junk silver is pretty cool as well but we will get into that in a later article.
Next I say save a few bucks in saving. Start at 3% of every checks take home. It isn’t much but it will work. Look into what tax advantageous plans your job may offer or even your state.
When else else fails, and when it all works-
WORK MORE. there is no harm in earning extra cash. Blog for money, work security, anything. Heck see if you can work at The Gap. I worked there on and off for years and I not only got a good check and good hours I augmented my wardrobe and saved a lot on gifts for others.
Find the mode that fits you but be ready for the fiscal cliff. Even if I’m wrong deflation or inflation are on the horizons. And let’s say I’m wrong across the board- isn’t more money going to benefit you in the long run?
Heck it’ll benefit all of us today.

#thriveorsurvive.

“Every problem has in it the seeds of its own solution. If you don’t have any problems, you don’t get any seeds.” ~ Norman Vincent Peale

“Really great people make you feel that you, too, can become great.” ~ Mark Twain

Life is like a photography, we develop from the negatives.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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How To Make Money ($) Blogging

27 Dec

How To Make Money ($) Blogging

YOU can make money blogging. Let me repeat that: You can make money blogging. It isn’t fantasy or fiction. Its only a matter of discipline and follow through.
I’ll list a few ways and tips below.

Affiliate Sales.
Love Amazon? Post your affiliate link on your blog for items you recommend. Why not make money off of the very education you culled from various books and sources.
Have a mentor? I do. And he has all kinds of great affiliate options. Not only did I make money but the items I sell are amazing. He packs value into every sale- (Thanks Ray Higdon). Anything that is worth having has an affiliate program. Set your blog up properly and people will click out of sheer curiosity. And we all know that a percentage of all clicks will buy. Free money, too good to be true? No just a click away.

Sell Your Value.
Webinars, courses, mentoring, audios- all have great potential. But the yield is zero if you don’t offer them. Offer webinars once a month for the dedicated few. Then watch that small number become large profits. One on one mentoring is highly profitable. You say, ‘hey tony I don’t know enough to sell jack squat!’. The answer there is look at how many people have 0 knowledge. You zero. If you can help people skip a few pitfalls they will pay. Time is money so why not save them time and make you money. Everyone wins. And for those that don’t want to “create” their competition, sorry folks- competition will only make you stronger if you are truly hungry. Also not everyone who buys will compete. Sell audio courses and mentoring every chance you get. People love freebies so do 3 for 2. Heck do 2 for 5. Its all profit and almost sero risk. You do the math.

adsense and its cohorts.
Adsense and the like can be useful. You may make a great deal of income on the side from it. I’ve used it in the past. The one caveat is that you don’t control directly what they post. I prefer the affiliate route for additional income.

Also don’t just mercilessly plug your primary company over and over. Network marketing is cool, but if all you do is harp on it you lose fans and future teammates. Also your existing company and team members won’t push your blog if its only focused on one product. That laser focus you’re bragging on is cutting into your income potential. It’s cutting your traffic and unique visitors to pieces as well. Focus on traffic. Blog consistently. It will bring you what adsense, and zealous focus on one product doesn’t. .

Lastly-
Talk about only what you know and like.
Don’t waste time talking about cars when Harley Davidson is your poison of choice.
People can smell the authentic. They know if you are wasting their time. It comes out your pores. It is reflected in your words. Make a choice, stick to it. And be original, be you. The readers love that.

#thriveorsurvive.

“Either write something worth reading or do something worth writing.”
~ Benjamin Franklin

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Is Silver your Financial Safe Haven?

26 Dec

Is Silver your Financial Safe Haven?

 

Dollar Decline Chart

 

At first look, most of us would say that the price of gold increased from $20 to $1600/ounce. However this is not accurate. Gold actually still buys the same amount of goods and services that it did in 1933. Gold has basically stayed constant. The dollar’s value fell by a factor of 50- so that it takes 50 times more paper dollars to buy the same amount of goods and services than it did in 1933 (See the price of gas since 2002 alone). Looking forward, we must consider whether the dollar will buy more or less in 10, 20, or even 30 years. The gold you have today will allow you to buy the same amount of goods and services that your money will buy today, 10, 20, or 30 years from now. Viewed from this angle, gold and silver are a way of preserving your wealth. They are a type of wealth insurance.

Many Europeans have long-held 10-20% of their net worth in precious metals for this very purpose. They have a history rich in tragedy: hyperinflation, government changes, borders that have moved and two world wars. Gold’s durability has served them quite well through all sorts of political unrest. In fact, it is perhaps the only constant in a world subject to change.

 

As gold and precious metals are priced and traded in US dollars, they surge in value when the US dollar declines. As the fed prints trillions in new money, the dollar and basically all other currencies will fall precipitously relative to gold. In an environment where the dollar is already weak and many currencies are weaker, investors that wish to keep and grow their wealth (duh, who doesn’t?) must understand the impact of declining currencies on their portfolios.

 

The US and Canadian dollars have lost approximately 84 percent of their purchasing power since 1970!  Most other currencies across the globe have fared no better. Not coincidentally, 1971 was the year the link to the gold standard was cut via President Nixon et al. Only gold, and its two precious metals brethren -silver and platinum- are able to hold their respective values in periods of severe inflation and deflation.

Both Gold and silver benefit from negative economic policies, political tensions, and monetary conditions contribute to a rise of their prices. For this reason gold has always been referred to as the “crisis commodity” and why investors are buying all the gold they can afford.  And the same may be said for silver.

The below trends weaken stocks and other paper investments and cause the price of gold and silver to rise:

War

Inflation

High Oil Prices

Weakness in the U.S. dollar

Budget Deficits

Stock & Bond Market Turmoil

Bank Failures

Loan Defaults

This being said is it any wonder people are buying gold as fast as they can?  Every time it drops a 100 dollars people buy asap.  Are you following that trend?  If so you are smart.

However the trend in silver is the same and gains can be realized faster.

For the sake of discussion lets assume gold is 1600 dollars an ounce and silver is 30 dollars an ounce.  Gold is seen as the big boy in the group but silver affords the real opportunity to max out your portfolio.  For every 1 ounce of gold you can  buy53+ ounces of silver.  Now you might say the dollar value is the same but silver is slept on my friends.  It is used in almost every electronic in your house.  Also in my opinion silver is the sleeper buy.  it will rise faster when the ‘isht’ really hits the fan.  But lets talk turkey- I can’t afford to buy gold at these prices, who can?  However we can all afford to buy silver.  it is even sold in half ounces and quarter ounces.with these small denominations possible for purchase I would argue that we all have a chance to build wealth and create our own hedges against inflation.  after all do you work 35-40 hours a week to just hand it all over to the government, the corner store, cable and the rest of the creature comfort providers?  I’d bet not  So lets work the legal methodologies provided us by the system.

#thriveorsurvive.

“Gold is the wealth of kings……
Silver is the wealth of gentlemen……
Barter is the wealth of peasants……
Debt is the wealth slaves!!!!!”

-Norm Franz.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

 

 

 

 

 

 

 

 

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HOW TO GET FREE SILVER

4 Dec

HOW-TO-GET-FREE-SILVER

Now this rocks!  A quick post with an included link to get free silver.

I personally invest in silver and always wanted tangible wealth.  As a kid I collected coins- nothing valuable just a notion.  When I moved out and got married I realized I wanted a safe haven for my income.  Robert Kiyosaki spoke on wealth and the lost value of a dollar and it resonated with me.

Since the 60’s folks the dollars’ purchasing power has been decimated.  I wont point fingers or place blame.  I just want to be wealthy and comfortable as I’m sure you my readers do too.   And while the dollar plummets silver is on the rise.

So how do you get your free silver?

Easy.You can enter here.

Name. Email. That’s it.  It has a spot for your phone number but it’s not mandatory.  The winner does get called though.

-Do you have to buy anything? NO.

-Any costs? – nope.
The most you may be asked is for a testimonial.

If you like the page and feel it is a high converter, and decide you want one- lets talk. Email me @ tony@changeinadvance.com

Where do you enter again?  You can enter here.

#thriveorsurvive

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HOW TO GET FREE SILVER

23 Nov

HOW-TO-GET-FREE-SILVER

Now this rocks!  A quick post with an included link to get free silver.

I personally invest in silver and always wanted tangible wealth.  As a kid I collected coins- nothing valuable just a notion.  When I moved out and got married I realized I wanted a safe haven for my income.  Robert Kiyosaki spoke on wealth and the lost value of a dollar and it resonated with me.

Since the 60’s folks the dollars’ purchasing power has been decimated.  I wont point fingers or place blame.  I just want to be wealthy and comfortable as I’m sure you my readers do too.   And while the dollar plummets silver is on the rise.

So how do you get your free silver?

Easy.You can enter here.

Name. Email. That’s it.  It has a spot for your phone number but it’s not mandatory.  The winner does get called though.

-Do you have to buy anything? NO.

-Any costs? – nope.
The most you may be asked is for a testimonial.

If you like the page and feel it is a high converter, and decide you want one- lets talk. Email me @ tony@changeinadvance.com

Where do you enter again?  You can enter here.

#thriveorsurvive

 

 

 

 

 

 

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MAKE THE POOR RICH?

19 Nov

For today’s article I found myself motivated by an excerpt from the net:

In the words of Florida Sen. Marco Rubio

“The way to turn our economy around is not by making rich people poorer; it’s by making poor people richer.”
(Read more: http://bit.ly/RP1V65)

Now this I found very intriguing.  In this time of peoples unrepressed loathing of the 1% and the Occupy Wall Street movement there seems to be an every growing desire to rob the rich.  Now I know many people are going to ream me for this but I just can’t get with taking from those who built their fortunes.

The rich pay a vast majority of the taxes. 

The rich give the most to charities and non-profits globally (see buffet and gates).

If we are to simply take what they make, what incentive is there to keep making money and giving it as well?

In my humble opinion it is high time we find a way to incentivize people’s efforts to be rich.  Not everyone will make it, not everyone wants to- but wouldn’t the world be better if we all strived for greater gains?  Imagine if Michael Jordan only wanted single digit stats?  If Ali didn’t want to be the greatest? And what if Steve Jobs didn’t insist on perfection?  I think we would have lost as well.  Add Leonardo da Vinci to that mix to my friends and imagine what profound loss we as a species would have.  And it is in this vain that I exhort you to do as Rubio suggests.

Every economy in the world benefits when there are more wealthy folks or even those with healthy bank balances.  So let’s see how you would get there.

*Mind your Business.  Yup- not what your mom said, what Tony says.  Simply put make your own money.  Don’t be a wage slave forever.  If you don’t agree why not simply start a part time business from home?  Extra money in your spare time or a business that sets you free from having a boss is ideal.  The average millionaire was middle to lower class.  It doesn’t always take vast sums of cash to make more cash.  Bloomberg wasn’t born a billionaire but will die one.  He set lofty goals for himself and let his ambition move him beyond simple things.  Id dare say all his dreams have been actualized.  Doesn’t that sound great?  What separates us from him? Nothing. 

*SAVE, SAVE, SAVE.

Can’t find the time to build an empire?  Just not sure that’s what you want?  That’s not a problem.  Its fine actually.  Simply save and live below your means.  Start out trying to put aside 5% every month.  After the bite of this begins to fade up shift to 7%.  After that 10%.  Your goal should be to stash 20% of your take home every month from now to eternity.  Even after you reach your targeted amounts and goals- save more.  In retirement as well, save more.  The greater your capital cushion the easier you will weather the financial storms and the less stress you will feel.  When you hit a financial curve you will pause and then continue your forward motion.  Imagine not worrying about money, because you have an excess.

Your economic future is in your hands.  Therefore why would you not craft the most amazing, dynamic, wealthy personal economy you can?

#thriveorsurvive.

In a country well governed, poverty is something to be ashamed of. In a country badly governed, wealth is something to be ashamed of.
Confucius

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
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