Monday, January 13, 2020

The Consequences of Debt: STRESS


In my last series ("Working From Home Series") I concluded with a lesson on "My Suggested Solution". In that lesson I shared the following numbers as it concerns debt in America:


In an article written by Bill Fay entitled, "The Emotional Effects of Debt" he states the following: "...72% of Americans said they felt stressed about money, according to an American Psychological Association study. And 22% said they felt “extreme” stress over their finances."

In another article, written by Jennifer Soong and entitled, "The Debt-Stress Connection", she states, "An AP-AOL study reveals that debt-related stress is 14% higher in 2008 than in 2004. Those who report high levels of debt stress suffer from a range of stress-related illnesses including ulcers, migraines, back pain, anxiety, depression and heart attacks."  

I read other articles that talked about other physical problems from which those under stress might suffer. Things like lack of sleep, loss of appetite and even hair loss. From my own experience and what I have seen with others, they may also include acne breakout on a persons body and even panic attacks. 

When you consider these things then you can also see why stress due to financial problems (debt) is one of the top reasons for a couple to get a divorce. Think about the impact on each of the two in the marriage as well as any children that may be a part of the marriage. All of this due to the stress with DEBT

The thing is, it's NOT NECESSARY! Too many people - maybe you? - have settled for the lie that debt is just a part of life and there is nothing that can be done to prevent it or to resolve the problem. BOTH OF THESE ASSUMPTIONS ARE FALSE

For the rest of this series we will be taking a look at other "consequences of debt" as follows: DIVORCE,  HOPELESSNESS, SUICIDE and LIMITS.  Think about how stress has a role in each one of these produced issues that come from the burden of debt. 

Debt is NOT just a "numbers" problem. It is a problem with our mindset and attitude. Debt often occurs when we decide to BUY THINGS THAT WE DO NOT NEED so that we can IMPRESS OTHERS THAT WE DON'T EVEN KNOW with MONEY THAT WE DO NOT HAVE.

Folks, that's a problem and the consequences are real but, again, they are unnecessary. Click on the link below ("Live Debt Free") for a REAL solution to help you remove ALL debt from your life in a fraction of the time than you can following "traditional" pay-off plans. 

In closing, think for a moment about the change in YOUR life as well as the life of your family and those close to you once you remove debt - and the consequences - from your life. Yes, you can!

Join me in the next part of this series as we continue to discuss "The Consequences of Debt".

"Make it an AWESOME day! (Who else is going to do it for you?)"

Mike


Friday, January 10, 2020

Work From Home Series #5: My Suggested Solution


In today's concluding article for this series, I will systematically go through the "Six Warning Signs" that I mentioned in Lessons 2 and 3 and see how they "stack up" with the company that I will share with you today. I will also see how this company "stacks up" with my personal "Mission Statement" that I shared with you in Lesson 4.

As I stated before, if you have not checked out Lessons 1 - 4, please be sure to do so. All of these lessons are important for those that may be considering connecting with a company for the purpose of "working from home". Too, I STRONGLY suggest that you watch the videos for this series. I believe you will benefit greatly by doing so. As a matter of fact, I will mostly be sharing the screen shots from the video in this article. Watch the video for full details.

Here is the comparison of this company with all six "Warning Signs"...



 Take a look at these stats...


 I recently worked for a company that built custom homes. I would work with those that showed interest in getting information about the process and would get them to the point that they wanted to fill out an application to see about getting a loan so that they could purchase their "dream home". 

However, there were so many that were not able to get approved due to their "debt to income ratio". Simply put, the amount of debt that they had was too great for the amount of their income and the financial institution decided that they could not take a risk on such a proposition. So much of their problem would usually have some connection to student loans, medical bills, credit cards and/or automobile loans. Often the problem involved ALL of the things that I just listed. 

DEBT IS A MAJOR BURDEN IN OUR SOCIETY!

So, here is my business card that will introduce you to the company that I have decided fits every area of my search and my purpose. The name of the company is United Financial Freedom...

Please be sure to go to the website listed above - www.ULiveFree.com - and watch the 2 videos that you will find there. This will give you a GOOD idea of what it is that we do. Write down any questions that you may have and then contact me with those questions. 

By the way, this is NOT some sort of "credit repair" company at all. This is NOT a company that will try to find some "loophole" that will allow you to skip out of debt that you owe. It is a program designed to help you pay off your debt - ALL debt - in a fraction of the time and save you THOUSANDS in interest. Again, WATCH THE VIDEO to get the full story of what I shared there. 

Let me mention one more thing: IF you feel that this is NOT for you as far as a "work from home opportunity", please take a close look and see if this would not be something that could help you and your family in the area of debt and the stress and strain that is a part of that circus.

I'd love to get your feedback and hope you will do that for me. Until next time, whatever you do...

"Make it an AWESOME day! (Who else is going to do it for you?)"

Mike



Thursday, January 9, 2020

Work From Home Series #4: YOUR Purpose and Passion


I firmly believe that, if you are considering "joining up" with a work from home "opportunity", THIS is the MOST IMPORTANT "piece of the puzzle" that you MUST consider.

Yes, I do actually believe that it is that important!

You see, even when you consider the six "warning signs" that I've mentioned in Lessons 2 and 3, your decision of how YOU feel about them will be determined by YOUR purpose and passion. 

In other words, IF you are a person of character and you are determined to remain "true" to who you are and to your PURPOSE then, friend, these things will take care of themselves. Make sense?

If you have not done so, it is IMPERATIVE that you go back and catch up on the previous lessons and, if at all possible, WATCH the videos for this series. I believe that you will benefit greatly by doing so. 

Does the "purpose" or "value" of whatever product the company promotes match up with YOUR purpose? If not, why be a part of something like that?

What IS your purpose? What IS your passion? Obviously, I cannot answer that question for you but I do believe that God has placed you here for a reason and that He has given you your purpose!

Take a look at my "mission statement" that I put together back in 2013. By the way, I had tried to put together a mission statement before but never could come up with anything. Why? I now believe that this is something that you cannot force or "make happen". I believe that is something that must "naturally" come from you, your life and beliefs.


I have to be reminded of my mission statement from time to time. I need to be reminded of my purpose and I must also be reminded that this purpose is to apply to ALL areas of my life - "all endeavors that I undertake".  Is it possible for me to find some sort of "work from home opportunity" that will match up with my mission statement? YES and, here's the thing to consider: If I strongly believe that this is my purpose (mission statement) then I should not settle for anything less in my search! And, friend, YOU don't need to settle for less! Don't allow any type of desperation cause you to "cut corners" on what you believe to be your purpose and passion in this area.  I believe that is what you will find in the message in the image below...


It is important that you "get clear" on your purpose so that you have a "compass" for your life! This will be your guide to help direct you along your way and in every way or area of your life. YES, IT IS THAT IMPORTANT!

Notice what Tony Evans said in the above graphic about how your purpose will "not allow circumstances to dictate your decisions." Again, for example, being desperate - needing money - will NOT dictate your decision if it is not in alignment with your purpose. 
 

John C. Maxwell also expresses this truth very plainly, does he not? Now listen, I don't know you or what you do or don't believe and, friend, that's o.k. If you don't agree or don't like this thought, that's up to you. But it is what I believe to be true and I will promote such things in my blog, my podcasts and my videos. I do ask you to consider it anyway.

I can certainly relate to being "unhappy and confused" during times in my life and I know that, often, it was due to the fact that I was ignoring or trying to "go against" my purpose in and for my life. Given to me by God. And, yes, this unhappiness and confusion often was connected to work from home opportunities that I would try to make work.

Are you unclear about your purpose and your passion or maybe even unsure about "how" to discover your purpose and passion in life? If this describes you then, friend, you MUST watch the video that I show below. You can find it by going HERE.

Again, be sure to watch my videos on this series by going to the "YouTube" link below. I believe that you will gain a LOT of extra insight into my thoughts on this topic.

I will conclude this series in the next lesson - Lesson 5: My Suggested Solution - and invite you to check it out. If you want to get a "sneak peek" at the business that I will share with you (no, this will NOT be a sales presentation!) then click on the link below that is listed as "LiveDebtFree!"

I'd love to get your feedback about this series. If you would, please do so by going to my Facebook page (link also below) and do it there. If you have any questions on any of this, just post them there and I will answer them as soon as possible.

Until next time, stay true to YOUR PURPOSE and PASSION and, while you are at it...

"Make it an AWESOME day! (Who else is going to do it for you?)"

Mike



Wednesday, January 8, 2020

Work From Home Series #3: Warning Signs - Part 2


Welcome to part 2 of "Warning Signs" in my current "Work From Home" series! Obviously, since this is lesson 3, there are a couple of other lessons before this one that you need to go take a look at FIRST so that you can be "in rhythm" with this series as we continue with today's entry.

I also strongly encourage you to take the time to watch the video's for this series (YouTube link below) since so much of what I share involves visual effects that is a bit hard to describe. I think you'll be glad that you did so.

In "Lesson 1" I discussed the "why" behind this series and also discussed how/why I feel that I have the qualifications to do such a series. I'm no expert and I've made that clear BUT I do have 15+ years of experience in this area which does qualify me to share the information that I am sharing in this series. 

In "Lesson 2" I began discussing some of the "warning signs" that I feel it is important to point out for those that may be considering getting involved with a home based business. I would not say that these are necessarily "red flags" but, more like things that you need to be aware of and that you should make sure that you get complete understanding about through the process of checking on these "opportunities".  We covered three in the first part of this section and, in today's article, I will share another set of three.

Warning Sign #4 of 6: Does the product have a real purpose or value? Though this may seem like an odd question, you may be surprised at how many of these "so-called opportunities" actually don't really have a product to offer at all! Oh, they may offer some sort of "digital library" which is readily available for anyone to put together themselves, but they have actually done THAT part of the work for you if you so desired such a "library" of these recordings, e-books and videos. And, from my experience, many times they really don't promote these digital items as THE "product" that is being sold but more of an "extra bonus" to deciding to join up with their organization. 

Again, watch the video and/or listen to the podcast for more specific details about that and also know that this also applies to a lot of "supplemental drinks", etc. that some companies try to pass off as an actual "product". Many of these items are basically worthless and are highly inflated in price but, for their purpose, it is a product that they will have for sale, regardless.

YOU NEED TO KNOW what the product is and then YOU must decide if it actually has any value and would you be comfortable in promoting such. Very closely related to what we will be discussing in #6 of "Warning Signs", is that you need to pay attention to whether or not this is clear to you or if you are still trying to figure out what the "product" actually is. If YOU aren't clear about it then you really need to ask yourself WHY this is so and also realize that the same confusion will be experienced by those that you may present this program and "product" to as part of your "business". 

Warning Sign #5 of 6: What kind of support will you actually receive? KNOW THIS: All of these companies will boast about their support but very few deliver on the promise.  "You're in this FOR yourself but never BY yourself!" is a motto that you will hear many times but, again, just know that most of these companies do NOT deliver in this area!

If you have questions, who can you call to get answers or WHERE can you get answers? If you are talking to someone and they ask a question that you don't know the answer to (and this WILL happen), how quickly can you get an answer and do you know HOW to get that answer? If you are told that your "sponsor" (the person that got you to join) will be available to answer your questions then you must also ask yourself, "How much do THEY know?" and will they have to, in turn, try to find the answer from someone else? How much information (and is it GOOD information?) will be available to you in your "back office" that the company SHOULD provide for you?

Bottom line: You WILL have questions and those questions will often come from your customers. You need to know AHEAD OF TIME how this will work. Remember, don't get caught up in "the hype" and let this get "blown over" in the process!

Warning Sign #6 of 6: Is the advertising that you will do misleading? You may say, "Uhhh, I don't know" but, friend, you DO know! Did YOU find it confusing or did you notice that it actually WAS misleading as you have talked to someone (or will talk to someone)? If so then, guess what? IT IS MISLEADING and YOU will be sharing misleading information as well! THIS IS HUGE!! I have never understood why ANY company would need to mislead anyone or try to "trick" anyone about their product or "opportunity" IF they were, indeed, a legitimate organization that were not scammers. By the way, you have just been told one of the main ways to know whether or not this company/opportunity is a scam or not. PAY ATTENTION and do NOT allow yourself to be "sucked in" with a bunch of hype. 

Again, please watch the video to get a better view of this but take a look at the following, actual ad for a company and see if you can figure out if this is a "job" or if this is a "work from home opportunity" and then, what IS it?


Pay attention to the parts of this advertisement that I have highlighted in red! First of all, in BIG, BOLD, RED LETTERS you see, NOW HIRING and you also see a picture of a young lady with a headset on and, if you look closely, you can also see what appears to be another person next to her. It would appear that she is a part of a "call center", wouldn't you agree? I'm not sure how much you can actually read in the box outlined in red but it is a list of things that, apparently, this company is hiring for! Things such as "customer support, sales, consulting, management, coaching, data entry" and on and on. And look! They have "hourly and salary opportunities" as well! WOW!

What kind of job or situation would you think that this would be? A job or a work from home "opportunity"? For me, it would seem to suggest that this is a company that is offering "call center" jobs to people where you can earn money either by hourly wage or even by a salary. My goodness, look again in that "red box" and notice all of the ares that are available...surely you fit into at least ONE of these areas, right? And then look at the part that I circled in red that indicates that you could make between $400 - $1200 PER DAY!!! Double Wow!

Now then, take a step back, take a breath and ask yourself this question: Do you REALLY believe that you are going to be able to have a "call center" type job that is going to allow you, at an hourly rate, to make that kind of money? C'mon now, get real here and be honest. Not even close. 
This is NOT a "call center" job even though this company regularly uses that phrase in their advertising and there are NO "hourly OR salary" positions available. Nope! If you call in and are looking for that type of work, you will simply be referred to another link that is simply a site for a job search. Unbelievable, right? And, get this - that person will get an affiliate commission for sending you to that page IF you fill out the information. I'm not making this up and I'm not just guessing about this. I know this to be true. 

Isn't it sad that such organizations feel the need to be so misleading? Do YOU really want to attach yourself to such a thing? I HOPE NOT! That is why it is so important to not get caught up in the hype and allow yourself to make justifications to yourself as a way to look past what your own character will tell you is NOT what you need to become.

Remember, if you have ANY questions about any of this information and even if you have an advertisement that you would like me to look at for you, I'll be happy to do so. I will give you my honest assessment about the ad and point out to you any areas of concern that I see. Again, I'm not an expert but, at the same time, I've seen a lot and learned a lot over the past 15+ years.

And, finally here's what I suggest BEFORE you talk to anyone: Have these 6 "warning signs" lined up for you to go through with whoever it is that you talk to about a possible "work from home" opportunity. If they are unwilling to spend the time with you to answer your questions then, friend, you need to move on. I talk more about that on the video and in the podcast so check those out for more about that part. 

In our next lesson I will be discussing, "YOUR Purpose & Passion". This may very well be the MOST IMPORTANT part of this process and I invite you to join me for Lesson #4 in this series. In Lesson #5 I will be sharing information with you about "My Suggested Solution" and, yes, I will share some basic information with a program that I've come across that "checks all of the boxes" in a good way...at least for me. I will not be trying to sell you anything but, again, I will share some basic information with you in that lesson. If you would like to get a "head start" looking at that information, just click on the "Live Debt Free" link down below. 

Until next time, whatever you do, always be sure to...

"Make it an AWESOME day! (Who else is going to do it for you?)"

Mike



Tuesday, January 7, 2020

Work From Home Series #2: Warning Signs Part 1


As always, please be sure to go back and read the article before this since it is the first "lesson" in the series. ALSO, I would suggest that you actually WATCH THE VIDEOS (link below) in this series...I think you will benefit from doing so.

As we continue to discuss the possibility of working from home, it is important to take a good look at what your "expectations" are when you envision taking this journey. What do you imagine it will be like if and when you take that step? What "picture" do you "see" in your mind? When you watch the video, you will see several pictures that I pulled up on a search for "work from home". I've included one below so that you can get an idea of what is often portrayed for this category.


Is this similar to what you envision when you think of working from home? Do you picture yourself lounging around in your pajamas, kicking back and, for the most part, taking life easy?

If so, this is one major problem before you even begin the daunting task of looking over what is available! This is a FALSE IMAGE that does NOT truly show what it is like to work for yourself, from your own home. Not even close! Is it possible to live this way? Yes, but it will take you years to get to the point for this to be true in your own life, if even then.

So, before we even begin to address the actual "Warning Signs" that I have planned for this article, we must start there! Come on back down out of the clouds and to reality and we'll continue with the rest of today's discussion.

When I say "Warning Signs" I'm talking about things that you MUST pay attention to and understand how important it will be for you as far as getting answers about them.

Warning Sign #1: Is it something that is already offered in "normal" venues?      Whether it's vitamins or some type of energy drink, coffee, makeup, nail polish or any of the many things that are promoted in this arena, if it is something that people can buy at the local store at a much cheaper price, THIS WILL MAKE IT VERY DIFFICULT TO SUCCESSFULLY SELL TO OTHERS. 

It doesn't matter how much better you have been told (and maybe believe) your product may be compared to those at the store, the majority of people don't really care about any thing else except the cost. Money talks and what you have to offer will likely be priced substantially higher than what they can buy at the store.  Be careful that you don't buy into the hype that will tell you otherwise.

Does that mean that it will be impossible for you to have any type of success with this type of product. No, but it will definitely make it more difficult. 

Warning Sign #2:  Does the use of this product require MAJOR changes in habit?    Back in 2003 I lost 100 lbs over the course of 13 months. I don't remember exactly how much of that 100 lbs. I lost by using a certain weight loss product but I did honestly feel better using that product than I did with anything else I did and/or tried over that time period. I actually still use some of those products even today! People that knew me and saw the transformation that had taken place wanted what I had! They saw the results with their own eyes!

However, I learned quickly that, even though they "wanted" the results, they were unwilling to do what it would take for them to get similar results. Many people want CHANGE but are not willing to DO WHAT IT TAKES to bring about that change in their lives.  

The same is true if you are talking about "cleaning products" for you home or even coffee. It's the same for those programs that urge others to completely change their habits for their phone, electric, t.v. and other services that they use on a daily basis. 

Impossible? No. However, I just want to make sure that you are aware of the difficulty that this type of product will bring your way - REGARDLESS OF THE HYPE that you will be told.  

Warning Sign #3:  What is the cost to get started and what is the CONTINUED costs involved?  Please notice that a "start up" cost does NOT mean that it is something that needs to be avoided! You will not find a program that will actually provide you a way to do business without there being SOME cost involved at the start. That cost can (and likely will) vary widely and YOU will be the one that will have to decide what amount you feel is justified. 

"Continued Costs" can come in several different ways. One of the main ones is what is usually called "Admin Fees" (administration fees) and, again, THAT cost can and will vary widely. Currently, I pay $0 monthly fees in this area and have paid as much as $197 per month for these fees. Again, YOU are the one that will have to decide what you are comfortable with and what you feel is justified. 

One that many don't even consider (most don't even KNOW to consider this) is the cost of having people to talk with in one way or another.  It may be the cost of posting ads on Craigslist, for example. "I thought you could post for free?" Regardless of what you may be told, posting ads for free in this way is NOT the way to accomplish much of anything. For one, you will CONTINUOUSLY be checking to see if your ad has been removed or not and, it likely will be and will be OFTEN. The only way to actually do much in this area is to PAY for it and, friend, that cost CAN add up quickly. 

You may need to buy leads in order to have enough people to share your opportunity with each and every day. What are leads and how much do they cost? Leads can be those who reply to your ads that you have posted or that saw you make a post on social media. A "lead" is simply a person that has given you some amount of information so that you can contact them and share your information. Some people BUY leads which, by the way, has a "mine field" all it's own! The costs of these leads also vary greatly and the "quality" of them ALSO varies greatly.  

NOTE: Most home-based business FAIL due to the lack of an adequate supply of leads. Simply put: Not enough people to talk with about whatever it is that you offer.  THIS IS A COST THAT YOU MUST TAKE INTO CONSIDERATION! 

In the next "lesson" I will cover 3 more "Warning Signs" that need to be considered and I hope that you will join me for that one. If you have any questions that you would like to ask, please do so by going to my FBook page (see link below) and leave a comment. Perhaps it is a question about something that I've discussed in this series OR a question about a situation that you are considering and you'd simply like another opinion. Please don't mention any company names when you leave a comment with your question. If you have some information that you would like me to actually see, just let me know and I'll make arrangements to get that from you. 

Just for your information, here is another look at the topics to be covered in this series...


 I hope you find this series beneficial and I hope you will join me again for the next "lesson" and, until then, whatever you do, always be sure to...

"Make it an AWESOME day! (Who else is going to do it for you?)"

Mike