Tag Archives: success

RICH CAT, POOR CAT.

29 Aug

Even my cat is reading Rich Dad Poor Dad!!!

Even my cat knows we need to get our global financial purses in order.
Now it seems funny. Heck it is.
However the sad truth is not enough people are focused on their financial education. Even fewer people are focused on their financial well being. The average American is simply following what their payroll secretary instructs them to do. No offense to the payroll secretaries of the world but they are not financial advisers. They do not have to be. It isn’t a requirement. And in fact in many ways they don’t have your best interest at heart. They may round your overtime down per instruction. Hey legal or not that puts them against the dollars you earn when you trade sweat equity for a paycheck. below I’m going to give you my ideas on a few investments, assets, financials you need and or don’t. Ahead of time let me say I am NOT, repeat NOT a financial advisor. I’m just a well read, educated guy from the city that learned the hard way. Feel free to challenge me on redirect- also known as the comment section.

-Investments.
Many people are banking on investments they don’t understand and don’t control to see them through to the end. Regardless of. Lifespan. Sadly after the last crash- the game of economics has changed. I’m not being callous either. Your life isn’t a game but when you let strangers play with your money and wish for the best- you are doing worse than a guy who plays monopoly with his dog. Solution: ask questions. Find out what the fees are. What is your guaranteed ROI aka return on investment. If you can’t understand the product they sell you- Walk away. They get paid to educate you and serve you! Investments don’t have to be stocks and bonds. They can be metals, rental properties, reits, and many more. Look around. Educate Yourself.

-Assets.
Assets build for you essentially. A house you own free and clear is an asset. A sack of junk silver, also known as a bag of coins with no numismatic value and a high amount of silver in them, that’s an asset. A Porsche is not an asset. A cool toy and a burden on your wallet is what a Porsche is.
A rental property with positive cash flow every month is an asset. A home you live in with a mortgage is not an asset in my opinion. If you can lose it or you can’t pay it off in one swipe, then it is a burden. Now people with mega bucks may use a mortgage and a jumbo loan to create certain incentives and complicated fiduciary vehicles to benefit them. I’m not that guy and most of is aren’t either. So skip them lol. In essence an asset puts money in your pocket.

-Liabilities.
Back to the Porsche. Its awesome. I want one. I drive a Honda Accord sedan. You family can and no kids lol. I’m trying to plan ahead. My car is not an asset either. When I leased it however I had a nice tax write off for my home business. See how you can work things? Your home- sorry. Liability like I said before. Mortgage, insurance, maintenance, hoa dues, water bill, electricity- the list goes on. And heaven forbid your boiler or hvac system goes. Got 10 grand sitting around? The play station 3 and surround sound system your kid had to have- pricey liabilities. Oh and the 70 inch Sharp Aquos. Great tv. Li-a-bi-li-ty! Now you need shelter and transportation but evaluate your means and needs. Nothing wrong with having wants too. However find a balance. Don’t be ignorant. Don’t keep up with the jones’. Build your future.

-Physical wealth.
I love physical wealth. Gold, silver, platinum palladium- AMEN! These are my ideas of Assets and Investments. Gold has historically been a way to hedge against inflation and store wealth. Silver as well. Silver coins are highly collectible and can be fun to collect and teach the kids money lessons with. Sealed, signed, graded coins are considered numismatics and can gain value beyond their weight in silver or gold. You can buy junk silver as well. Try this- sort your silver coins for a week. Anything from 1965 or early has a decent chunk of silver in it. A 1960 nickel is 2 bucks. The quarter is 8 bucks. Now of course this all depends on silvers value as adjusted daily, but I assume you see the idea. Questions or want more info on this- reach out to me asap.

-Savings accounts.
Both are good. You should save a portion of every dollar you make until you die. No excuses. No usage. Ask your bank to remove $25 bucks from every check, $10 if you can’t squeeze it out. This way it goes right to savings and you don’t spend by accident. Putting money away for Christmas, or a new car is smart too.

-Emergency fund.
This builds off of the previous. We all need x amount of dollars set aside for life’s hardships. Suze Orman says save six months of living expenses. I concur but that’s a lot of money for all of us. So start with 1000 dollars as your initial goal. You can get there faster than you think.

-Fees.
This is money you can use to build that emergency fund.
checking fees are killing most people. Use direct deposit or get the most basic service you can.
Monthly installment geico vs 6 months upfront. This will save you 60 dollars a year. If you make the payments upfront you skip the fees. Life insurance does the same and so do many other payments. Mortgage and car- send am extra 100 bucks a month to- THE PRINCIPAL. This will reduce interest and fees. It will also add about a payment a year. Lastly this kind of math will take years off your mortgage and months or years off your car loan. Think folks.
Lastly- you don’t need the Cable gold package. You want it. Get the basic. Heck, get Netflix and only the internet. That 80 to 100 dollars you save monthly will give you 960 to 1200 dollars a year!

Are you with me yet folks?
There is money in your wallet/purse. You have to want it though. Do you need change? Tired of the boss? Want to get rid of debt. Well I just gave you some concepts and strategies and info you may not have been privy to before. Use it. Grow.
And remember:
You #thriveorsurvive by your own hand.

#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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Core Concepts, Some Old Some New

27 Aug

Core Concepts, Some Old Some New.

So I’m going to be a bit erratic today folks.
I’m going to cover some stuff I’ve spoke on and some stuff that’s eluded my fans and myself as well. I’m also going to go out of order. Better said- I’m going to use these four core concepts in an order that I think precedes success.
-Put in the time
-Focus
-Mentors
-Follow through.

That’s it folks. Four core concepts that can change your business, change your life.
Let’s dig in!

-Put in the time.
I don’t care who you are or what your deal is. You will get nowhere if your dream, plan, scheme is a hobby. Sorry it’s a fact. You are a failure before you even dig in. Mastery of anything takes 10,000 hours.
Don’t have ten thousand hours to get rich? To be perpetually wealthy?
See you at the finish line after you’re lapped. I don’t care who you are or what your troubles and time constraints are.
Make time for your future. Make time to be free forever so you don’t miss the games with the kids or that super bowl vacation you only dreamed of before. Start small. Use your lunch breaks and bathroom time to sharpen your mind. When you have coffee read to build strategies from authors who have done it before you. Turn off the television. And xbox, ps3, not going to put cash into your roth ira is it?
Everyone has an hour a day for starters. Find yours.

-Focus.
You don’t get anything done well without it. Focus is the key that unlocks your dreams and desires. Chaos creates only more chaos. A focused mind however will guide and create. A focused mind is a tool that when honed to perfection will find cashflow and residual income. However you have to avoid the distractions. Turn off the tv- see a trend there? After that make sure you fill your time with productive tasks. The gym, education, reading. Make lists of what you need to do and the dollar amounts to reach on the road to financial freedom. When you are doing the tasks and steps that are required for your business- do only that. Multitasking detracts for most people. When you’re at work you work right? Well at your own venture you must be that much more focused.

-Mentors.
Mentors are great. A good mentor will for many mean the difference between success and failure. A mentor can illuminate the path for you whether you are in the same business or not. A mentor will help you see the mistakes you are making and help you skip a few they made themselves. My mentors are both highly successful and one is even in my current venture. However the one who isn’t is still there when I have questions and needs. His willingness to help and his thirst for knowledge and self growth are not only infectious but influential.
Accountability is a key aspect of a good mentor. They will ask you the questions you hoipe they won’t. They will want answers when you fail. They will require you work harder. And they need not gain from your success to be effective. A mentor may cost you money and they may not charge a dime. be aware thought hat you get what you pay for.
Lastly, the mentor I speak to most frequently asked me one question and pointed out my greatest flaw in my business endeavors. Do you see the power?

-Follow through.
So you got your focused mindset and your putting in 3 hours a day with a fifteen hour minimum. Awesome! You even found a mentor and things are smooth. Their pricing is reasonable and your learning curve has been exciting.
Great now FOLLOW THROUGH.
Life isn’t simply trying and applying. You have to repeat the process. Over and over and over. That’s it. No compromise, no hoping it was enough. Make it enough. Every action that breeds success must be repeated over and over. Not only will you become more successful but you will become better at these steps as you complete them repeatedly. NBA, NFL, MLB- all require repetitive motion to rise to the top. Ask Jeter. Ask Ted Williams. Ask Ray Allen. Ask Kobe Bryant. They don’t win and then slack. In the off season they work. And if you have competition for your business- buddy, you better believe your competition is training when you’re sleeping. That is the nature of the beast. Practice your craft. And then make practicing your practice a step. Sounds odd, I know. But you will get me when you see how it builds for you.

#thriveorsurvive.

“Train your mind to be like a hammer… you will see every problem as a nail”………………………..gn.

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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Exclusive Interview #6. Spotlighting J. Cuban of Phoenix Fitness Group in Motion.

25 Aug

The sixth interview in a series highlighting up and coming entrepreneurs and leaders.
Today we interview J. Cuban of Phoenix Fitness Group in Motion.

And without further ado:

-Where you from?
Newark, New Jersey.

-Age?
31.

-What is your title?
Income Maintenance Tech – Full time.

Personal Trainer – Full Time.

-What certification(s) do you hold?
AAAI (American Aerobic Association International).

-How did you get into training people professionally?
I have always enjoyed working out at local gyms around my area. Finding that many people who attended the gym were performing some exercises incorrectly most of the time and I decided why not help people and make a career out of it.

-How long have you been a trainer?
2 years and counting.

-What made you embrace your position? Passion for the field of Fitness and helping others.

-What keeps you in your position?
My communication and understanding of others life styles.

-What are your secrets to success? Personality.

-What sets you apart from the game?
I embrace my client’s with honesty and communication.

-What do you love about training?
It’s more than loving training it’s more like a lifestyle.

-Hate about it?
…………. Nothing.

-What are ppl doing wrong in the gym?
We can start with the people who join the gym for all the wrong reasons considering it a Social Gathering …..lol.

-Do exercisers really lose more weight than calories cutters by 84% ?
I wouldn’t know I would have to research and reply back at a other time.

-Thoughts on no carb, south beach diets and atkins?
If it works for you continue it if the side effect cause no bodily harm or effect the immune system.

-Favorite exercise?
Step and Press.

-Where can people find you at on the web and in person?
LA Fitness Clifton NJ 852 Rt3 Clifton 07012.

Mon 6:30 – 10pm Tuesday 6:30 – 10pm Thursday 6:30pm – 10pm Saturday & Sunday 8am – 1pm.

Twitter: @TrainerJCuban

BBM Pin:22A492C3

-Advice for my readers?
Try everything once if it doesn’t work move forward.

-Your definition of success?
Being Healthy, Happy and Safe = Success.

-Any projects you’d like to promo?
Phoenix Fitness Group in Motion.

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FIND A WAY (NO EXCUSES)

23 Aug

FIND A WAY (NO EXCUSES)

Life is hard. And in the current economy there are few ways to capitalize let alone succeed to the extreme based on the old models and economic policy. That being said it is time we all look for new methods and bigger dreams. I’ve embraced two things:
Network Marketing.
Blogging.
And I’m using them hand in hand. Now these are the tools I’ve chosen and I could make a persuasive argument on why this where the country as a whole needs to be. At the very least two thirds of the current population.
Why so many? because there are many unemployed people, under employed people, and simply unsatisfied people. However that’s not the point of contention in this article. I have a simpler point that will edify your mind and feed your wallet.

No matter what you choose there are a few key concepts that are not only proven but constant.

Work ethic.
Organization.
Continuous learning.
Leadership, not being the boss.
Find a way. Passion as fuel.

So let’s dig in.

-Work ethic.
Doctor, lawyer, businessman, artist. And all of these careers require a strong ethic. Want to be the best, you put in the hours. No excuses, no bull. It takes ten thousand hours to become a professional at anything you do. That’s a fact. Innate talent only gets you so far. Everyday, every week, every month- you put in forty hours a week. I don’t care if you have a job. Or a career, make it thirty five then. What you put in you get out. If your job or career is keeping you from building your empire then you don’t want it bad enough. In the gym I love the weights and I have high goals. But to bench four plates (405 lbs) I have to lift my way there. I have to go consistently. I have to go almost daily. I have to go weekly. And not going is only for rest periods. If I want this goal, and I can taste it my friends, I will put in the work. Coming off a back injury I’m more zealous than ever. I had a pro outline my approach and time line to get halfway there. At my peak I was only eighty pounds from my goal. And I will get there. Which segways to point two.

-Organization.
I had to get organized to hit this goal. Heck I had to get organized to chase it! And as I mentioned before I had to get help. First I sat with a friend who was a pro (Big THANK YOU!- to Paul) and he showed me a quick and simple plan to get me in the groove building greater endurance while using less time. Next we wrote it out on paper- by hand. Then I made copies so my plan of attack is always with me. Then I planned out my supplement usage and phasing. The body needs fuel literally. And pizza doesn’t cut it. I even organized the tracks on my blackberry that motivate me into one cohesive playlist so I can get it done and get it done great. In my business the same approach is used. My contacts, expenses, tools, shipments- EVERY THING is organized, sorted, and meticulously detailed when needed so I can be successful. Even my taxes and expenses have a specific software and storage area.

-Continuous learning.
I’m big on this. You need to get better. Period. I don’t care who you are or what you do. Raise the bar, take a class. PAY for a class. To be the best see the best. Football players watch films. Doctors take continuous education. In my day job we have professional development that is mandatory. So I’d the day job demands it, must we not Scream for it. And I don’t mean knowing just your product. Know you. Know sales. Know marketing. Know people. I love books. My first mentor loves audio tapes. These also work phenomenally. Bottom line its not the input method but the input. Teach yourself. Athletes have coaches- so do billionaires. You will be what you put into this life.

-Leadership, not being the boss.
Be a leader not a boss. Your team knows your the boss. The employees do to. The difference is a boss is a pain. A leader gets it done. They shouldn’t have to follow you, let them want to. Let them need to. And not need because you haven’t empowered them. No, need because they ache to do for others what you have done for them. Leaders reap what they sow, bosses get a paycheck. And I don’t know about you but I won’t live my life as a paycheck player.

-Find a way. Passion as fuel.
This is it. The end all be all people.
All the rest is almost worthless. Why? Because if you don’t find a Way, a Will- nothing happens. Life requires drive, purpose, passion. You want a million dollar yacht- get it. Need to make your why a best selling book- write it. Don’t make the excuses. Don’t tell me you have no time. Your kids require too much. Your kids can be your burden or your blessing. Let them be your motivation. I am building an empire now so I can have time with my future progeny. I’m building now so my wife can be home raising our children and not strangers as the case all too often is these days. I’m building this empire, my empire- NOW- because I must. It is my want, my need. I think about it all the time. It consumes me in a healthy way that is part passion, part fun, and part intellectually stimulating. I make it work and am amply rewarded as a result.
When cash was low early in my marriage, and I needed a website built I went to craigslist.org and hit the barter section. I soon found a guy who needed paper goods. I had bought my domain name already so we swapped a few emails and in less than a month I was up and running. When we needed money to fund this dream I found a second job. When my wife had to stay home I found work in a week. If you can’t find a way- you don’t want it.
There are no excuses only solutions.

*Lastly keep a keen eye on the finances. We’ll discuss that next time folks

#thriveorsurvive.

“Without a sense of urgency, desire loses its value.” -Jim Rohn

“To solve any problem, here are three questions to ask yourself: First, what could I do? Second, what could I read? And third, who could I ask?” -Jim Rohn

“You will be what you put into this life.” Tony

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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TRUTH

21 Aug

“Your time management will dictate the velocity of your success.” -Ray Higdon

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FYI

20 Aug

I didn’t lose with Zeek but wanted to use this episode as a teachable moment my friends. Stay strong.
#thriveorsurvive.

#thriveorsurvive

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ZEEK REWARDS SHUT DOWN!!! (a quick lesson)

19 Aug

ZEEK REWARDS SHUT DOWN!!!
(a quick lesson)

So Zeek Rewards and their mlm model and bid site and sale site are shut down.
A Ponzi scheme the Attorney General said. Interesting. Now there are many people signing petitions to get back in. A fellow network marketer I know had about eight grand in Zeek and was doing a couple hundred a day in income. He even made twelve hundred dollars in one day! However he never took his profits out. He let it “keep bubbling” as he put it. Now he will get his money back most likely and no profits.
Now I’m not here to malign the company or my friend. Or even prey on those Zeek people who still need a good opportunity.
I just want to discuss a few parameters and educate my readers.

So let’s let this ramble and you guys guide me with your replies.

-Lost credibility.
The guy who brings you into this venture, if it was zeek or any other may have lost credibility now. And this will largely depend on how he got you to join and how he mentored you. If he did the quick sale and sold you pipe dreams you probably resent him now. In all fairness people you are to blame. First his sales pitch, speech, spiel etc is wrong. He should have been teaching and guiding you into a point of being a pro at the venture and any others you go to. That’s a leader. That’s the guy you join. He is a mentor. Second if you fell for a quick, no need to recruit business you got had- by your greed. Zeek had a three tier sponsorship/buy-in. So how did u make $$$$ without getting in the ppl at the top? Yup, I looked at zeek. And put no money in. It didn’t look kosher. I won’t plug my venture here. Its not the time. But I will say that when you do network marketing- and you DON’T NETWORK- you will LOSE. Sorry. Its true. Get on the phone. Meet and greet. Make the commitment and you won’t have to worry about their credibility or yours.

-Never promise the sky.
I don’t care if you work for the FAA- never promise more than you can deliver. I had a teacher say always promise less and deliver more. The reason being that if you do less they expected that. If you do more they are pleased. Once you promise the best output you have to deliver. Now I say aim for that. That’s smart. Its feasible. However you need to set achievable goals. And make only promises YOU can keep.

-Who did they want to recruit?
Zeek sounded awesome. Money with no effort or just a few messages and emails and even more money. Now if Zeek recruited anyone who bought the dream they were going to lose anyway. You don’t recruit the last place guy to play in the USA team in the Olympics right?

-Who do u recruit?
*Listeners. The people who don’t ‘know it all.” The people who will listen and ask questions. They grow. They yield results.
*Those willing to fail. Sorry but failure is part of growth. Every toddler falls while learning how to walk. Every runner loses a race. The hungry get up and learn to cook. They catch a meal and cook it. Same in business. The ones who want it will get it. I’ve only grown out of hunger. And failure. Failure has made me a better man than I could explain in 5 blogs.
*Those willing to put the work in.
You don’t get rich doing nothing. You get rich working. You get a house by building it. And the same in a business. Put in the sweat equity. Put in the hours blogging. Let yourself be a slave to your tasks. The guy who practices makes his shots. The guy who gets six rings is Jordan. He trained HARD. Tiger Woods: TRAINS SUPER HARD. You make 0% of the shots you don’t take. So practice taking those shots. 3000 practice shots gets you key tournament shots. Go for the gold. In network marketing- speak to every stranger you SEE!! And remember:
Everyone wants to play, no one wants to lose.

#thriveorsurvive.

“Some people claim that it is okay to read trashy novels because sometimes you can find something valuable in them. You can also find a crust of bread in a garbage can, if you search long enough, but there is a better way.”—Jim Rohn

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.

#thriveorsurvive

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TRUTH

18 Aug

“It took me 20 years of hard training to get the physique I have today. What you need is what I had – belief in yourself.” – Branch Warren

#thriveorsurvive

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Exclusive Interview #5. Spotlighting Duce Da Privilege CEO GXMedia.biz & Knetwork Ent

18 Aug

The fifth interview in a series highlighting. up and coming entrepreneurs and leaders.
Today we interview Duce Da Privilege CEO GXMedia.biz & Knetwork Ent.

And without further ado:

-Where you from?

Brooklyn, New York

-Age?

28

-How did you get in the game?

I’m in the game? Oh sh*t, I guess I made it lol. Nah I’d have to say the game is in me and always has been, silence annoys me & as a kid I couldn’t read, do homework or anything else w/o music in the background.

-What made you embrace your position?

Me embracing my position is attributed to me acknowledging my gifts and understanding my purpose and reasons for having these gifts.

-What keeps you in your position?

My need to succeed. Whether I quit now or if I keep pushing, 5 years from now I’ll be 5 years older either way so why stop?

-What are your secrets to success?

The law of Attraction. Thoughts become things, I’m the total sum of my past thoughts, therefore I get what I focus on the most, negative or positive, failure or success. Get it?

-What don’t you like in the game?

Nobody f*cks with you until everybody f*cks with you, that’s that sh*t I don’t like lol.

-What do you like in the game?

I like the fact that you determine how far you go or, how far you don’t go. You’re in control.

-What would you change in the game?

I’d remove the hate and the violence and encourage more progressive lyrics across the board.

-If I gave you a milli what or whom would
you invest in?

I’d invest in my brands GXMedia.biz & Knetwork Ent

-What sets you apart from the game?

I’m an Entrepreneur. I’m an Artist that creates opportunities for other Artists. How many unsigned artists do you know that do that?

-What are your thoughts on 360 deals?

I’m not thoroughly educated on them, pardon my ignorance. But from what I’ve heard, they suck, stay away lol.

-What made you love hip hop?

It’s a part of who I am & I love myself so how could I not love it.

-Who is your fav rapper/lyricist?

Jay – Z

-Best person to ever play your position?

Jay – Z

-Best rapper alive?

Besides me? Jay -Z

-Advice for my readers?

Set your Goal, create a Plan & Follow through.- Think. Plan. Do! Review.

-Your definition of success?

Succes is a journey not a destination. You’re successful when you accomplish something you’ve set out to. Every minor goal accomplished in route of your major goal(s) is a success.

-Any projects you’d like to promo?

My mix-tape “G.E.D. MENTALITY” Free Download http://piff.me/ae0572e

Follow me on twitter & instagram: @DuceDaPrivilege & @iamgxmedia

#thriveorsurvive.

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