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The Terrorists in Your Wallet and the Seal Team 6 in your Mind.

11 Nov

The Terrorists in Your Wallet and the Seal Team 6 in your Mind.

Like many Americans I’ve been the victim of identity theft. Twice. And while it is upsetting it isn’t quite the daunting task that most people believe. Ill help you get started.

-Paperwork and Phone Calls.
Beating credit theft is imminently doable. America has a recent overhaul that helps or hurts depending on perspective. For now though we will focus on the other parts.
So your card gets declined. Now you’re embarrassed. And your credit is ruined.
Nope it isn’t. You can fix this. You can reclaim everything. It all starts with a simple phone call. Call the company issuing your credit card. Alert them to the issue and list every transaction that is questionable.
Write out the name of who you spoke with and their title. Get an id# of they have one. I always ask for a manager. Go to the top. It gets things done faster. Print and highlight the thefts. Staple all this together. As well as any correspondence you get from them.
Also make sure your card is canceled- as in the number not the account. You can close the account but your credit score will drop as your debt to credit ratio will drop.

-Check your Accounts weekly or better.
All of them. Every type. Without Fail. Get it done. No excuses. No lies. There is always time to secure ones future. Your credit is in your hands.
Setup email and text alerts. Its free at many banks if not all. I personally check my bank accounts and credit accounts every 2 to 5 days. Why wait for free help when you can be proactive? Manage your finances like you do your itunes.

-Get Your Free Credit report Every Year. The government has set aside a permanent website and free credit reports from the 3 major credit companies- Experian, Equifax, and Transunion. In my experience Experian holds the most weight. But all can effect your credit scores et al.
Here’s a nasty secret though: there are 6 credit bureaus. Ouch right. I used to have info on 4 out of 6 but that’s it. I will suggest though that you folks get your fico aka fair isaac score. This one holds a lot of weight. You need it more than you think. Pay if you have too. Now at the bottom of this post ill have the links to the 3 big boy sites and the government secure site to get your anual credit reports. So now that I’ve done the leg work you are free to simply monitor the reports. Once you get them- peruse them with extreme prejudice. Anything that is even 4 cents off must be questioned. Call, write, email. Whatever. Get responses, get answers.
And those boiler plate, pre-fabricated letters all over the net- skip them. The big credit companies have robotic programs that know the format and even the type fonts. Scary in a way but efficient and innovative. Beat them by being starkly real.
Till then my folks:
#findyourfuel

Equifax: 1-877-576-5734; http://www.alerts.equifax.com

Experian: 1-888-397-3742; http://www.experian.com/fraud

TransUnion: 1-800-680-7289; http://www.transunion.com

https://www.annualcreditreport.com/cra/index.jsp

 

#thriveorsurvive

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Once more:

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Use banking apps? @TMobile will automatically install Lookout antivirus software on most Androids in 2013.

2 Nov

Use banking apps? @TMobile will automatically install Lookout antivirus software on most Androids in 2013.

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Can I Afford This House?

30 Oct

What makes a house affordable? Housing costs can’t exceed 28% of income.

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Small Money, Small Success

23 Oct

Small Money, Small Success.

Small money, small success. Sad but true, this mentality is probably handicapping more entrepreneurs and start ups than I can imagine. The scope of your dreams defines the rise of your success.

Before I get into theory and concept let me preface my mindset with a story. You see I moved recently and ran into a former coworker. We were discussing my move and some of the new logistics that came with it. Previously I’d had an indoor garage parking spot and as such parking was never an issue. At my new residence however I have to park anywhere I can. Indeed it is almost a Darwinian situation in some aspects (kidding). Now I have to find a parking spot and dodge meters, street cleaning, and school zoning. I don’t particularly mind because the trade off in parking was worth the proximity to my job and the great neighborhood and superior building service. At this point in the conversation my former coworker stated that having to pay a few bucks a week for parking when I can’t get a good spot gets to be expensive. I had to pause here and I’ll tell you why. On the average week I’m paying about 4 bucks to park over a 7 day week. That’s not bad in my opinion. It adds up to 16 dollars a month which is not a lot either. Now being fiscally rabid isn’t smart but for me it’s an economic win win. This works out to be cheap because I cut my gas bill and car mileage dramatically. I now spend about 50 a month on gas. I used to spend 35 dollars a week or better. So when you do the math my gas and parking bill at its highest month is still about half what I used to spend. Keep in mind that that’s the average numbers. There are weeks I don’t pay for parking at all so the savings are even greater when we look at expenditures for certain months. Also as I mentioned my mileage is down dramatically. I went from 20 miles a day to about 3. If you use the IRS’ numbers for the value/cost of usage per mile this is a big savings. I’m doing 110 miles less a week on average. So now my resale value will rise dramatically. My wear and tear and thus maintenance also will drop precipitously.

I say all this to point out the difference in mindset. I saw gain, ease of access, and peace of mind when I moved. My compatriot saw the 4 bucks. This is ludicrous. I lowered my living expenses overall while increasing my standard of living. And therein lays the key.

What do you see when you spend? Do you not spend money on your education or to grow your business out of fear of losing capital? Or do you spend to build your regime? Life is short and the less you invest in you the less you gain. If you sweat the small dollars you won’t make the big riches. Being fiscally prudent is always important- but you can’t make money if you don’t spend money. I think the quotes below will indirectly end this article better than I ever could.

“We are all in the gutter, but some of us are looking at the stars.”
-Oscar Wilde

“The mind is the limit. As long as the mind can envision the fact that you can do something, you can do it, as long as you really believe 100 percent” – Arnold Schwarzenegger

“All that we are is the result of what we have thought. The mind is everything. What we think, we become” – Buddha

#thriveorsurvive.

#findyourfuel.

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Guest post from the Esteemed Corey Woods: The Top 10 Car Maintenance Tips That Save You Money

13 Oct

10 Car Maintenance Tips That Save You Money- By Corey Woods

To save money on the maintenance of your car, you need to do the following regularly without fail. That way, you could save 20%-30% on your cost of car maintenance annually.

1. Ensure your car is road worthy.

Many people drive cars that are not expected to be on the road again, either because of the ages of the cars or their poor maintenance records. A car is a machine, and just like any other machine, it has an economic life span depending on its maintenance records. It is always advisable to rest any car that has become too expensive to maintain. The bottom line is cost. You can always trade in your old beat-up car for a newer model if the cost of maintaining it has become prohibitive.

2. Tune up your car regularly.

This should be done at least once a month. A poorly tuned-up car uses up to 30% more gasoline each year. It is cheaper to pay for and regularly tune-up your car than to let it be. This you can do at your regular car maintenance garage if you can not do it yourself. Your regular car maintenance Engineer or Mechanic may even at times tune-up your car for you free of charge.

3. Regularly change the oil and oil filter in your car.

It is not enough to just change the oil, you must ensure you use high grade oil as recommended by your car maintenance Engineer. Follow the owner’s manual religiously and change your oil at 2000-4000 kilometers of regular driving depending on the make of your car. More frequent oil changes play a very significant role in extending the life span of your engine. Any time you change oil, ensure the oil filter in changed too. These oil change expenses will more often than not pay for themselves in savings on repairs and engine wear.

4. Check your tire pressure regularly.

Tire pressures should be checked at least once a month. Low pressure tires cause “drag” in your car which makes it to require more gasoline to maintain speed. You can lose up to 4%-6% in gasoline mileage for every pound of under-inflation. Compared to the cheap cost of keeping your tire pressures inflated to recommended standards, gasoline loss through low pressure tires is considerable.

5. Check your engine air filter every month.

A dirty air filter shortens the engine’s life and reduces gasoline mileage up to 10%. You can clean up the filter by removing it and blowing accumulated dust particles off it with an air hose, or you can replace it when you notice significant damages to it.

6. Use only recommended tires.

Ensure you use the right type of tires for your car as recommended by the manufacturers. Alternatively, steel-belted radial tires have a wide acclaim for safety so you can use them but you must make sure such tires are not expired. Using good tires with the right tread and radial size can increase your gasoline mileage from 5%-10% per year. This amounts to plenty of savings.

7. Check fluid levels regularly.

These should be checked every morning if the car is old and once a week if fairly new. Low battery water shortens your battery’s life. Radiator coolants, automatic transmission fluid, brake and clutch fluids are fluids that must be available and in the right viscosity and gauge to enable your car function properly. Any one of these fluids that is short or empty can lead to improper functioning of your vehicle. That can expose it to brakes failures and other problems which could lead to engine damage or even crashes. Engine damage is by far more expensive to repair than these routine maintenance checks.

8. Use only recommended gasoline for your type of car.

Unless your car is so old and completely beat-up, it is proper to use unleaded gasoline. Even though in many advanced countries, there are various grades and prices of gasoline, a costlier gasoline adds no specific advantage except it is your car manufacturers’ preference. Take the advice of your car maintenance Engineer because for most cars, premium gasoline offers no significant benefit. Unless your car has a high-performance engine or your car manufacturers recommend high-octane gasoline, use the less expensive one. You can save 5%-10% on fuel costs annually if you use the right fuel that is of lower cost.

9. Ensure your car tires are balanced.

You can add thousands of kilometers to the life of your tires by having them balanced twice a year or even more often if you drive regularly on rough roads. In addition to destroying the tread, improperly balanced tires can wear out your shock absorbers and damage your suspension system, leading to higher expenses or even accidents.

10. Ensure your car tires are properly aligned.

Check your tire alignment regularly say about four times a year depending on the type of roads you drive on. Poor alignment leads to uneven wear on such tires particularly the front tires. It can reduce the life span of tires and may expose them to other more dangerous damages. Compared to the cost of buying new tires regularly, the cost of regular tire alignment is insignificant.

Budget stretching is inevitably everyone’s concern these days. Saving costs therefore particularly on essential and regular expenses is a smart thing to do particularly in these hard times. You can save plenty of money on your car maintenance expenses if you take these tips to heart. That aside, it is good to think safety all the time even while lowering costs.

Get more great content from Corey Woods at: http://bit.ly/UYuPp9

#thriveorsurvive.

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Your Feelings on Taxation May Indicate Your Success Ceiling

10 Oct

Your Feelings on Taxation May Indicate Your Success Ceiling.

Touchy subject, I know. And folks outright I’m telling you- pay your taxes!
No ifs ands or buts!
The issue I’m talking about today is fearing the tax man. If you play it straight there is no need. So let’s break this down a bit.
Also I’m not a licensed financial advisor so everything I state is conjecture and opinion.
Aka I’m not liable ;).

I have a coworker who does 90 to 100 hours of work a week. And that’s between two jobs. At his night job he’s a supervisor. And in the day he’s at the bottom of the pay scale. When I approached him with simple ways to raise his pay via union and or company related methods that were low cost he said ‘naw then I have to pay more taxes.’. He essentially turned down about 10 to 12 grand in extra income to do the same hours, same labor. I’m sorry folks but in my book that is the definition of insanity.
He has dependents.
He has a home.
His spouse has a home based business.
These are all great tax deductions.
Also he could make that money and have it go to pre-tax retirement funding or medical funding plans to offset future costs. See he would in essence be funding both his present and his future with the governments blessing. He’d also gain peace of mind and some extra coin in his pocket.
However he won’t do it. Which leads us to the next issue.

-Self imposed failure
Folks I’m not being mean. I’m not a jerk either. I just call an ace an ace and a spade a spade. What my coworker is doing is self imposed failure. Simply put that is when you are the author of your own disaster. Sadly this ruins more entrepreneurs than competition. Fear of taxes and the long arm of the irs is gutting people. Look at the coming elections and the current fear many business owners have. Taxes from healthcare, 75% tax brackets in france. People who can are avoiding it and saving wealth and others are simply self sabotaging. I personally am more scared by the fear. The only way to beat the system is to learn it’s rules. The tax code has ways to enable you. Get a great CPA. Not the local guy. Learn the rules. Life is chess not checkers and as such you have to move from that mindset and rule group.

-Owning your own business can help stave off taxes legally.
Lastly, if you are scared of taxes don’t be. Uncle Sam rewards those who give back by creating jobs. The people who become the stopgap are those who will be richly rewarded. When you make a greater effort there is a greater reward. Its that simple. Ever put your all into something?
What did you reap? I bet more than you did when you put in less effort. See Jeter, Jordan, Bloomberg and the rest. To get to the top you have to put your all in.
I have chosen the independent route. While I will keep my day job for now- I will be minding my business full time. It is the true way to survive. And while I’ve had a few failed options my learning curve has been tremendous. And all the while I reaped the rewards of tax benefits I earned legitimately. And its a good feeling. I earned income. I lost income. And I got tax breaks in all instances. It works folks.
If you step out of your comfort zone you will succeed.

Basically folks if you fear taxes you are living with a self imposed ceiling. You have literally told your mind and subconscious to program failure as the main option and catalyst. When fear becomes the strongest advocate your horizons shrink.
Let your life be more than that. If your tax bracket makes you feel pressure GOOD!!!
Pressure creates diamonds. Don’t let the fear of a small tax bill impede dreams of great wealth.
What is a million dollar tax bill to a billionaire? (And even that bill can be worked with via the United States governments legal tax code!).
See the point?

#findyourfuel.
#thriveorsurvive.

“Things work out best for those who make the best of how things work out.” -John Wooden

Thoughts? Concerns?
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2 Quick Credit Fixes You Probably Haven’t Considered

8 Oct

2 Quick Credit Fixes You Probably Haven’t Considered.

A lot of what I discuss on here is how to build a business or what mindset to have or avoid. Every now and then though its finance time my friends.
Today I’d like to discuss two quick credit fixes for the average joe. Credit can make or make you and literally cost you 100s of 1000s of dollars over the course of a mortgage, car, or student loan.
So let’s save you Money!

-Increasing your existing Credit.
A quick fix that most everyone is going to hate me for suggesting is to INCREASE your credit limits by taking out more lines of credit and more credit cards. Consistent approvals and credit limit increases will increase your credit score and your ratios in a favorable manner. Every time you are denied you lose two points. When Amex gives you a new account with them and a low to high limit though, you win. Even a $300 dollar increase still adds to your available credit. You always want a lot of available credit. Now in this economy people are scared. They are avoiding credit, hoarding cash, and living in fear. Fear doesn’t feed the kids folks. Fear doesn’t have dividends that pay quarterly.
Increase your existing limits. Heck call every six months and ask for a credit increase. Speak cordially and state your case. Your case should be that you miss no payments and are a member in good standing etc. They can only say no right?
If that fails, ask for a reduction in the interest you are paying. Even a quarter percent will add up over time. And again-
They can only say no right?

-Debt to credit ratio.
This ratio should be below 30% percent ideally. If you reduce your spending and or pay down the amount you owe to that level or lower and keep it below said threshold you will win. Having a lot of credit is good. Its actually a high need in your personal life and in your entrepreneurial endeavors.
The more credit you have the better you are to meet fiscal challenges. Not necessarily to save your personal pockets- but in a business you may need it.

And using credit, BUILDS credit! Amazing system huh!
By reducing this ratio you will see great results in your credit report, credit score, and fico score.

-Lastly don’t cut up those cards too quick.
A lot of people think that rather than practicing self control it is easier to cut up the cards and end the access. And that’s fine- if you cut them up ONLY. A lot of people cancel their cards to avoid debt and cash flow slavery. However when you cancel one of your credit cards you shrink your income to debt ratio. Ex: before you had 3 cards with $3000 limits respectively. So you effectively had a $9000 credit limit. Now when you cancel card 1 you are down to $6000 of available credit. And if you use $3000 of said credit you have a 50% ratio-OUCH! Credit companies, banks, etc don’t like that ratio. If you had that third card you would have a 33% ratio- a preferred percent.
So folks. Be grown ups. Don’t use that card. Heck don’t even cut it up. We are grown ups. And we are entrepreneurs.
Self control is the basis to success so practice, practice, practice.

#thriveorsurvive.

“The lack of money is the root of all evil.”
-Mark Twain

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SAVE NOTHING!!!!

21 Sep

SAVE NOTHING!!!!

NO MORE SAVINGS ACCOUNTS!!!
Savings accounts are killing your dreams. Your fancy IRA and 414k are slaving you out! Stop saving your money.
Okay. Wait up folks. Let me get into all this.
There’s a lot you need to know and I only got a few of the pieces. Let’s get it in my friends.

–Ok, go ahead and save.
Save something but you shouldn’t be betting it will save you. A lot of people work like dogs and sock away that glorious 20%. Great plan. I applaud you. However I don’t agree. At this stage of my life I’ve committed to paying down my debts. I need financial freedom now. And before the economy tanked this was my thought. I knew I’d make up for lost time with the extra dollars, but couldn’t do both. So saving money is a last goal not a first. I say save something. Get up to a grand and stop. Suze Orman says save 6 months- for me that’s 18,200 bucks. Sorry Suz, but before the economy took a crap in my wallet you had a different plan for me. Ill skip you and a few others.

–Your job won’t save you.
This part corresponds to the last one. Your job won’t provide the income you need. If you aren’t a top level CEO with that golden parachute forget it. Move on. Now you don’t have to quit but reassign your drive.

–Make money. Create cash flow.
This is the only way I think we can thrive and not just survive. A friend and I have committed to buying a small amounts of .999 pure silver to hold wealth and barter if necessary. Now yes, I know this is savings. However its not fiat currency in the bank. Its not devalued dollars and I can trade it in this economy and in the event of an economic collapse- global or local.
Now this may not fit with the part of the article I started but wait- as my silver appreciates I make money. As I buy volumes cheap now I will beat the rise I see coming. And as I cash in ounces over time I will have a consistent cash flow. See how that works? Disagree with my concept fine but I have a way that is fluid and set to the constraints I designed. I have a plan. I’m in control. And a savings account wouldn’t do this for me. Look at the interest rates from ’06 to ’12 and tell me what you think.

–Let residual income save you.
This is the way most people hate. Or even outright malign and avoid. Residual income simply means money coming in the future from past efforts. That’s it. You don’t need an mlm but why not try one? Tax breaks, fiscal education, what do you lose? Its a good way to learn at the very least. If not what do you think dividends in mega-conglomerates are? Get it. Continuous income is a key strategy. Why do banks charge interest? Car loans, mortgages, school loans. These are residuals for a bank. Create your own my friends.

–You can’t reach your full potential wit a safety net.
This might be the key to my article. The heart of existence too.
When we aim for safety first we lose first. Life is a quick trip some say. I’m in my thirties and I let fear get me a lot when I was young, heights, rock climbing- no more. Last time I hit a theme park I got on every ride and got the cam picks to prove it. I screamed like a little kid but loved it in the end. And in life there is a saying: go for broke. If you do nothing but play it safe nothing will change. There is no growth. There is no dream. There is no hope.
Now I refuse to be safe. I use the club in my car and have alarms in my apartment and a go bag. But I don’t wait for safety in finance. I don’t wait for safety in my blog or my ventures. I reach for the stars. I commit funds and worry later. I’m not foolish but prudent. And here’s why: I’m used to making safe and or smart decisions and so when I take risks they are calculated. And that is smart. I share my world in this blog. I share my mind and heart with anyone willing. And I follow the financial strategies most shun.
And for me that works. I take a lot of fiscal risks. And yes I’ve lost money. I bought fools stocks too. The learning I gained was priceless. The courage I found- more so. This is my life and I won’t follow talking heads. I’m moving forward with no qualms.
I will be rich. By my hand, my choices, and with no safety net. Sorry to my fiscally prudent fellows- I won’t save to fight fear when success trumps all.

#thriveorsurvive.

Playing it safe is the cousin of fear when its true rationale eludes us. -CEO, Change In Advance.

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Consumers, Creators and Consistency

16 Sep

Consumers, Creators and Consistency.

There are very few people who will accept responsibility for their situation. PERIOD. Sorry folks but its the first step to financial freedom and entrepreneurial ecstasy.
In fact I’ll take it a step further and state that most people don’t know whether they are consumers, creators, and if they are even consistent in any fashion. Let’s break this down friends.

-Consumer.
A consumer consumes, period.
From dictionary.com:
consumer[ kuh n-soo-mer ]. noun
1. a person or thing that consumes.
2. a person or organization that uses a commodity or service.
3. an organism, usually an animal, that feeds on plants or other animals.
That’s it its simple. They consume but don’t create. A classic consumer is the individual who garners a small check through labor or income through others and in turn only spends on goods that own no value.
The average consumer is just that, a consumer. They don’t contribute to society in a meaningful way. They don’t seek financial freedom. They do however have the newest Beats by Dre. They have new sneakers every quarter at a minimum. And they also lack savings or financial planning let alone financial savvy of any sort. They either don’t care or blame it on the wealthy and while this is enticing its also a cheap way out. Sorry folks. I’m the first one to admit he loves possessions. However I will give back. I do volunteer. I have done community service. This blog is also free and I have a few students that will not be sold my ventures and will only be given free education in their finances and entrepreneurial drive. I also work and have a few ventures. I’m not better than anyone, I just see that we have to work all the avenues. Join me in doing so.

-Creators.
Creators are those who find avenues of financial growth. They not only consume but they create product and tools and services. They don’t simply work for income. They create income. They build futures and provide jobs.
From dictionary.com:
creator[ kree-ey-ter ]. noun
1. a person or thing that creates.
2. God.
Now we aren’t God. So working with only the first definition we see that we have to create to step above the rest. Okay, the definition doesn’t imply that but the fact that the next definition is to be God only verifies my assumptions and mind frame. My friends we are here to create. We are here to thrive and not just survive. (#thriveorsurvive get the hint…)
And anyone and everyone can create.
Find your niche. Create your hustle. Love to write? Be a published author. I can do this for you at low to no cost!
Want to be a tattoo artist? I have the mentor you need. There are people a tweet away. A message away. So don’t make excuses. Meet your destiny head on and create it.

-Consistency.
Consistency, wow. I love this topic and my followers know. And I’m the first cat to admit I drop the ball. But I keep track. This sets me in to a pattern where I drop the proverbial ball less and less and I become a better entrepreneur. My Consistent desire and approach to and for success has bred this trait for me. It wasn’t inherent.
So let’s look at two forms of consistency.
*Captain consumer is consistent- at only spending 9 out of ten times. This individual will plot and plan to purchase and acquire. Hey that’s cool but it doesn’t build empires.
*Captain creation on the other creates before he consumes. He gives back. He has an idea that consumes his efforts. This idea becomes his consistency. He is at it day after day, hour after hour.
This is Positive consistency. When you chase consistency it rewards you.
However is your desired reward belongings and possessions, or is it growth and financial freedom that in turn let’s you have what you desire?

Consistency can plague you or build you. What do you choose? Being consistent in building an empire gave Columbus, Napoleon, Malcolm X, Genghis Khan, and many more true freedom.
Consistency is simply the act of repetition. Determine a simple formula for you and repeat it. That’s it folks.

#thriveorsurvive.

“If we did all the things we are capable of, we would astound ourselves.”
– Thomas Edison

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
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@changeinadvance
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What Free is Costing You

9 Sep

What Free is Costing You.

A lot of people want freebies. If it aint free they aren’t interested. Double negative, I know. However when you show people the gains they would achieve, or the free time they will have- it is mocked or insulted.
My friends I’m going to dispel these myths.

-Free trainer.
Sorry folks the guy trying to train people for free is a pervert. He wants to touch people. Its funny to imagine the SNL skits this evokes- but its real. You get what you pay for. The guy who has needs fulfills needs. Remember that.

-Free School.
Sorry but I went to private school and it was awesome! Smaller classes. Teachers cared more and there was no real violence. I am in education but as an inner city kid turned educator, and a guy who went to both private school and a small college in Westchester I see the difference. Now we can’t all afford private school no problem. But I have friends a bit older than me and family as well who cry broke when it comes to their kids education and own 5 macs, and a bunch of LED tv’s. Or they have a Cadillac Escalade but won’t put the kiddies into a better educational environment. Sorry but its real.

-Free Products in an mlm and/or venture.
Sorry again my friends. Its just not sensible to expect to get a product for free. You bought the new Honda Accord? It wasn’t free. You get cable- It has never been free.
Why would you expect to get free products in a network marketing venture or any other? My brother sells medical supplies, and still pays for medical services. Fair right isn’t it? Exactly. A former teacher sells retirement plans- and this too seems to imply he will retire well. Wrong. He had to pay the same or more.
Nothing in life is free.
There is always a direct or associated cost.
Now as a network marketing or direct marketing veteran I know nothing is free. A current venture gives me the product free- but only when three people join and therein lies the key.
If I can’t find the three people who concur with me on what is worth my time, money,
And efforts I’m in the wrong place at the right time. Yup. That is said the way I mean it.

-Free training.
If you want to learn to be the boss you pay for it. The best teach the best- at a price. My mentor charges for his time. All of it. Now he has given me lots of freebie advice- however I have met him in the middle. I have bought his courses.
I have followed his growth.
I believe in his methods.
What you see right now is a direct result of our limited interactions. He has taught me a great deal. But I missed a lot not paying upfront. So I buckled down and bought the courses. I asked for his help and I paid the fees.
Lastly the lesson I learned was hard. I have a few free students I offered to train in an effort to build momentum. And it was a cool idea. And it kind of worked. The problem? One has made it and one isn’t doing the work. Now that could be luck of the draw.
I see something different. I read an article where the author stated that what is free isn’t highly esteemed. And she was right. People don’t value the free training. Same was a Bugatti is valued.
I valued my training at $25.00 an hour. And you know what? I found a few cool students at free and none at that price. I just found one today as write this article so I’m excited. Yet the learning curve is tremendous. More people have asked to learn and grow with me once the free period ended.
Get it folks?

“Earn and learn- the rest is worthless.”
-Tony, CEO http://www.Changeinadvance.com

#thriveorsurvive.

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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