Friday, May 30, 2008

Taking Action and the Law of Attraction

Twice within the past week, once while reading a book about writing and again while reading a daily meditation, I came upon the topic of pursuing dreams. The gist of each of these writings is that if you have a dream, once you set your mind to achieving it by taking action, the universe moves and makes resources (creativity, insight, money, people, etc.) available to you that you may never have believed possible. It's the law of attraction at its best and most powerful!

I've experienced this myself. A few months ago, I was given the gift of some free software called Promoter Full. To be honest, it is not the most user friendly software. After downloading it to my computer and fooling around with it for several hours, I became frustrated and moved on to other tasks. Well, I did not even think about Promoter Full for a week or so. Then one night as I lay in bed, it hit me. I knew exactly how to use that software!

The next morning, I got up, turned on my computer, and pulled up Promoter Full. And sure enough, I had it all figured out. I immediately used that software to post to a couple of Google Groups and other sites to which I belong. I taught three of my Success Blueprint colleagues how to use it. Somehow, I had become proficient at Promoter Full! It was incredible and the only explanation is the universe (God) at work!

It truly is incredible how we become inspired or, better, how inspiration finds its way into our hearts and minds. So, the next time you have an idea, take action and see what tools and resources the universe makes available to you and BE THANKFUL for them.

Monday, May 19, 2008

Grow Your Business With Training and Support

No matter what home-based business you're growing, one thing is certain, you need training and support. Let's be honest, some sponsors are simply better than others. So, what do you do if your sponsor has abandoned you?

There are only so many books you can read. And no amount of reading is going to get people joining your team. Do you really want to spend alot of money on leads that probably aren't even fresh? I bet you answered "no" to that questions. Well, I suggest you take a look at Success Blueprint Mentorship Group. Success Blueprint is a training and mentorship group that is committed to changing the 97% failure rate in our industry to a 97% success rate.

After joining Success Blueprint a few months ago, I was contacted by a training and mentorship program that costs upwards of $3000.00. That program offered one-on-one training and mentorship and some of the other things provided by Success Blueprint, the only real difference seemed to be the cost. What if you could get training and support for less than $300.00? What if you could learn how to grow your business with techniques that are FREE? Well, with Success Blueprint that's exactly what you will get!

Whether your business is EDC Gold, Little Guy Network, My World Plus, YTB, Ignite, Xango, Reverse Funnel System or one of the many others out there, it just doesn't matter. Success Blueprint can help you take your business to the next level. The training and support is awesome. Success Blueprint offers an array of live webinars and teleseminars each week including Viral Youtube Traffic, Video Editing, and MySpace Marketing.

In my opinion, the three part webinar on web videos is invaluable, especially if you'd like to learn how to make videos that will get traffic to your website. I made this video and I probably never would have been able to do this without Success Blueprint!

As a part of the training it offers, Success Blueprint teaches its members how to get unlimited targeted prospects contacting them each day. Imagine no longer wasting money on leads or wasting time on free classified advertising. Imagine earning daily cash flow of $200-$600 while learning Success Blueprint's techniques to grow your business. And remember, Success Blueprint is not trying to switch you. On the contrary, Success Blueprint wants to help you make whatever your primary business is successful.

The other great thing about Success Blueprint is the relationships I've formed. I have met some of the nicest and most helpful people since I joined. The one thing we all have in common is the desire to succeed and be prosperous. That common goal is the foundation for a very supportive network of friends that I wouldn't trade for the world.

Thursday, May 15, 2008

What the Hell Is Going On?

A few years ago I read a book in which the story took place in Myanmar. I can't remember the name of the book, but it appears that the author's description of the repressive military government is accurate. How can a government refuse to allow foreign aid into the country after such a horrific natural disaster? Laura Bush and others have expressed outrage, but they're a bunch of hypocrites!

What's so interesting is that the U.S. citizens that suffered through Katrina were treated no better than the citizens of Myanmar are being treated right now. And here we are years later and much of New Orleans (the 9th Ward) remains a disaster area.

How does a government justify not providing desparately needed aid to its citizens after a natural disaster? How does a government refuse foreign aid? Why is it that when a hurricane hits Florida or wild fires burn through California, George Bush is on the J-O-B, pledging disaster funds to help folks rebuild, but many people in 9th Ward have not received any such aid?

As far as I'm concerned, this is a matter of human rights. Who determines which lives have value or which lives have more value than others? Why doesn't the current U.S. administration have compassion, empathy, and concern for all of its citizens? As citizens of the United States of America, shouldn't we all be able to rest knowing that in the event of a natural disaster, our government will be there for us? Or should we worry if we are not rich enough or we don't live in the right neighborhoods or we are the wrong color or ethnicity that when our time of need comes, our very own government leaders might turn their backs on us?

Is strikes me as ironic that the U.S. immediately pledged aid after the tsunami and now, after the cyclone, but it took days before the U.S. government made a move to rescue the citizens of New Orleans from the Superdome. How could Barbara Bush, the mother of the President of the United States, say that those people who suffered and lived in filth for days in the Superdome were better off? How callus! How out of touch with reality! As humble as an individual's life might be, no one is ever better off living through a nightmare like Katrina and then having to suffer through the horrific conditions at the Superdome.

Why are some of the Katrina survivors living in mold infested trailers, while millions of dollars are being spent in Iraq? It makes no sense to me. And until our government begins to place as much value on ALL its citizens as is does on war and power and money, none of us should sleep soundly and securely. We might be the next citizens upon whom the U.S. government turns its back.

Thankfully, though, we are on our way to a magnificient change and hopefully, no U.S. citizen will ever be treated as horrifically as the Katrina survivors were and continue to be treated by this administration!

Thursday, May 8, 2008

Building Relationships

One thing that has become apparent to me over the past few years is that big corporations seem to have utter contempt and disrespect for their customers. I can't even count the number of times I have called customer service at a company and been treated rudely. To make matters worse, the credit card companies charge exorbitant fees, the banks charge you to make ATM withdrawals, and the phone, utility and cable companies will disconnect your service despite the fact that you've paid the bill! Let's not even discuss what the oil companies are doing to us right now. The bottom line is that these large corporations have forgotten they need us, the customers.

So, as a home-based business owner, how will you distinguish yourself from these big corporations? Will you sponsor reps into your business and then forget about them or will you provide mentorship, support, and training? If your product is a lotion or potion, will you keep in touch with your customers and make sure they are satisfied with the products they are buying from you?

Building relationships is key in building a home-based business. You want to create a bond with your reps and your customers. You want your reps and your customers to trust you and to feel that you have their best interests at heart.

In order to gain trust with your reps, you must communicate with them. Make sure they understand the product and how to market it. Provide advice and assistance. Don't be selfish with your knowledge. Remember, by educating your reps, ultimately, you will benefit!

To build trust with your customers, you must be knowledgable about your product. That means committing your time to participate in training calls and workshops. Read any training materials provided by your company about the products you are selling. There's nothing worse than being unable to answer a question about a product you're selling!

Follow up is important whether you are dealing with a rep or a customer. As far as your reps go, set a follow-up schedule. Decide whether you are going to contact them weekly, bi-weekly or monthly. Whether you contact your reps by phone or e-mail, regularly let them know you are there for them.

With customers, send out a handwritten thank you card thanking them for their order and letting them know how much you appreciate their business. Every month or two, call them or e-mail them to make sure they are using the product correctly and to answer any questions they might have.

When your reps and customers know that you care about them, they will trust you and continue to do business with you, even if you move on to a new venture. So be consistent and always remember that relationship building is the key to success.

Tuesday, May 6, 2008

Living the Dream: Create an Additional Stream of Income

When I started my law practice in 1997, I never even considered the possibility of having an additional stream of income. Only within the past two to three years did I come to the realization that most of us, regardless of what we do for a living, should have at least one additional stream of income.

Having an additional stream of income is important because it provides you with an added level of security in this economy where job security has become a thing of the past. Gone are the days of working at the same company until retirement. Sometimes people choose to move on to greener pastures. But more and more often these days, workers are laid off because their positions have been out-sourced, their company merged with another, or their company simply went out of business.

There are several things you should consider when contemplating creating an additional income stream. First, what do you do? There are many options to choose from like real estate, catering, home-based businesses like YTB, My World Plus, Ameriplan, etc., or direct sales businesses like Avon, Jafra, Market America, GBG, etc. If you have been blessed with artistic talents, your choice might be utilize those gifts to create an additional stream of income for yourself. Do your due diligence and educate yourself about what is going on in the field you choose.

The next thing to consider is whether your secondary career will interfere with your primary career? This is a crucial question to answer because you do not want to jeopardize your primary source of income. Will your additional income stream require you to do work that could be considered a conflict of interest with your primary career? Will pursuing your secondary career interfere with or in any way hinder you from fulfilling the duties of your primary career?

You will also have to decide how much of a financial investment you want to make to create an additional stream of income. You must be business minded. That means making a financial commitment. I'm not saying that you must invest your life savings. But, remember, ultimately, your are investing in yourself and your future.

Next, you will need to decide how much time you want to invest in your secondary career. The more time you are willing and able to give it, the more quickly you will see results. What are you willing to give up, in order to create an additional stream of income? Will you stop watching 4-5 hours of TV each night? Will you stop hanging out with the fellas at the local watering hole 4 nights a week? Will you get up 2-3 hours early to work on developing your secondary career?

How much time are you willing to wait to see results? If you expect to start your business today and be in profit in thirty days, you're being unrealistic. I'm not saying that it can't happen. All I'm saying is that it probably won't happen. Set a reasonable and realistic timetable. Give yourself at least 6 months to a year and one to two years would be even better.

While you are growing your business, get as knowledgable as possible about what you are doing. Network with successful people in your chosen field. Find a mentor. Read books. Attend seminars, teleconferences, or webinars.

Be business-minded. Set a schedule and stick to it. Set goals and outline what you must accomplish each day to ultimately achieve your goals. Don't let the naysayers get inside your head. Unfortunately, we all know people who will not be supportive. IGNORE THEM. Surround yourself with positive, like-minded people. Stay focused on your goal and envision your success!

Monday, May 5, 2008

Are You Facing Foreclosure?

It's all over the news; the foreclosure rate in the U.S. has skyrocketed! As an attorney, I have dealt with many clients who have ignored their financial problems until its too late. Foreclosure is a scary proposition and sometimes people allow their fear to paralyze them. Many people think that if they just ignore it, the problem will go away. Unfortunately, that's simply not true.

If you are behind on your mortgage payments, it's imperative that you be proactive. There are several things you should do. First, communicate with the Loss Mitigation Department of your mortgage company. You may be able to work out a forbearance agreement or restructure your loan.

Next, you may want to consult with a bankruptcy attorney. It is possible to stop the foreclosure and keep your home with the "fresh start" afforded through the bankruptcy process. Be aware, though, that sooner is better. With the changes to the bankruptcy laws which went into effect in October 2005, last minute filings on the eve of bankruptcy are more difficult and may raise concerns with the bankruptcy court.

There are two types of consumer bankruptcies - Chapter 7 and Chapter 13. Generally speaking, Chapter 7 relieves a debtor of the obligation to repay unsecured debt. Chapter 13 is a debt consolidation. Most people facing foreclosure want to save their homes and usually choose to file a Chapter 13 bankruptcy. In a nutshell, debtors who file Chapter 13, must submit a consolidation plan to the bankruptcy court that sets forth how they will repay the arrearage on their mortgage as well as how they will repay any other debts, both secured and unsecured. For the duration of the bankruptcy, the Chapter 13 debtor must pay their regular monthly mortgage payment beginning the first month after they file their bankruptcy petition directly to the lender. These mortgage payment must be paid on time each month. Failure of the debtor to make their regular monthly mortgage payments or to comply with any other terms of their Chapter 13 plan, may result in a dismissal of their case.

Finally, you may want to consult a realtor. If you have enough equity in your property, you may be able to sell your home and with the assistance of a realtor, negotiate a "short sale". A short sale is an agreement between the lender and the homeowner in which the lender agrees to accept less than what is actually owed on the property as a payoff on the loan. In other words, a short sale happens when, for example, a homeowner owes $90,000 on their mortgage, but the lender agrees to accept $79,000 as a payoff of the loan.

For sellers who do not have much equity in their home and do not have cash available, a short sale is probably not a good option because they would be required to bring money to the closing. Keep in mind with short sales, lenders require that the seller nets $0 at the closing. Because the lender is accepting less than what is owed on the mortgage debt, the seller cannot walk away from the closing table with a check.

A short sale is a win-win-win situation. The homeowner is able to sell the house and avoid having a foreclosure on their credit, the lender is able to avoid the costs of a foreclosure, and the purchaser, in many cases, has instant equity.

Be aware, that there are tax consequences to short sales. Any seller contemplating a short sale should consult with a tax attorney or accountant to ascertain what, if any, tax liability they may have if they sell their property as a short sale. The tax consequences on short sales of primary residences and investment properties may differ.

Rather than waiting until the last minute to try to stop a foreclosure, be proactive. Take the steps necessary to try to save your home. Even if you are ultimately unsuccessful, I think you will feel much better for having taken action, rather than allowing your fear and uncertainty to paralyze you.

For more information about short sales or for a referral to a real estate professional in your area, send an email with "Short Sale" in the subject line to sharon.smoot@coldwellbankeratlanta.com.

Getting Through the Hard Times

Whether it's the death of a loved one, the loss of a job, the break-up of a relationship, we all face challenges and struggles as we go through life. Sometimes those challenges are short lived and other times, we just can't seem to move beyond whatever it is we are dealing with.

When the difficult times drag on for months and months and months, many of us become depressed. We may turn to alcohol or drugs, contemplate suicide, overeat or engage in other self-destructive behavior. We wonder why we are facing such difficult challenges. Our faith in whatever higher power we believe in may falter.

However we respond to the challenges in life, I think one thing we all have in common is that we tend to look back to the time when life was good and wish we could return to that time. My question for you is this: By yearning to return to the past, do we somehow lose sight of the future? By focusing on the past, do we miss an opportunity to grow and ready ourselves for the next chapter of our lives?

Over the past few months, many times I have found myself saying, "I want my old life back!" That statement presupposes that what lay ahead for me will not be as good as my past life. I believe in the law of attraction and I realize that by focusing on my old life and assuming that my future will not be as good, I am creating a future that is not as good!

So, when we are facing hard times and wallowing in the past and are consumed with feeling sorry for ourselves, how do we change our focus? I've decided that each time I'm feeling sad and longing for my old life, I have to make an active and conscious decision to envision my future as I would have it be. I must see and feel myself living a happy, prosperous, abundant, secure, fulfilled and content life. It's hard work, but practice makes perfect, right?