finances

Are You Really Ready For Retirement?

Published by Kenneth

Are you really ready for retirement? Unless you are a “Baby Boomer,” you probably have not given a whole lot of thought about your retirement. Most of us are just thinking about how we will pay our bills every month, let alone when and how much money we will have to retire.

Have you ever thought about how long that you will have to work in order to have enough money in your account to be able to walk away from Corporate America and actually live your life? The statistics can be quite daunting! I took a few minutes and did a quick calculation on Kiplinger.com (http://www.kiplinger.com) to see what someone my age would have to save. I just turned 36 years old and calculated that I would work until I am 65 along with my wife. To make the numbers easier, I had both my wife and myself making $60,000/yr. and did not add any 401k, etc. The result: We would need to save $2,745/month for 30 years!

 

Now I realize some of you make more or less per year, but what I want you to think about is, are you truly saving between 2-3k/month in your household? Keep in mind, this is to just maintain your current standard of living and nothing more.

I don’t know about you, but I surely do not want my wife and I to have to work until we are 65 years old. We both want to enjoy life to it’s fullest and not wait until we are too old to enjoy some of the things we want to do now. So do you have a game plan for your financial future? Does it make you cringe to think about how long you will have to work for someone else, give your very best, show up every day, and then barely be able to survive? Thankfully, my wife and I were presented with a business opportunity that would allow us to make some additional income every month in our spare time outside of our current commitments! We were shown a very simple marketing plan that would allow us to do what we already did and get paid to do it! On top of that, we also gained access to some very successful business men and women who were willing and able to mentor us. When we make money, they make money- a “win-win” situation!

 

Since we have taken advantage of the opportunity that was presented to us, retirement is literally right around the corner for us! We have also helped many other singles and couples get ahead of their retirement curve through our opportunity.

 

So what about you? Are you looking to get ahead financially? Do you have loved ones that are going to be counting on you in the future? Do you want to have the security knowing that you will be financial stable? Do you want to travel more? Pursue hobbies, etc.?

 

If you want some of these things and others, I can help you! In order for any opportunity to work, you must be willing to learn and be teachable, willing to delay some things so that you can have them in the future. This is not a sales pitch or an attempt to “convince” you to do anything. It is simply an offer to work with and help ambitious people who just want an opportunity to succeed. 

I can provide you with some information on how we can work together and you can begin your path to financial success.

Click here to get complete details. 

To your success!

Ken Cloutier

Increase Your Dreams; Increase Your Financial Future!

Published by Kenneth

All of us have had dreams from early childhood up until now. As we got older the dreams may have changed, but we all have dreams that we would like to accomplish. The sad reality is that most people will shape their dreams around their income rather than using their dreams to increase their income.

 

What am I getting at? Let me explain. Let’s say someone makes $80k/yr. at their corporate job. Most likely they have tied their “dreams” or goals into what $80k/yr can buy them; car, home, travel, etc. They can not imagine driving a Ferrari or living in a multi-million dollar home because to them it is not “realistic.” They have no way of achieving those goals so the settle for what they can afford.

 

I am challenging you to develop a dream so big it intimidates you. When you have a big dream that is bigger than your current circumstances, it forces you to take action and make the kind of money to afford what you want. You will strive to make enough money to be able to afford that multi-million dollar home or retire your wife/husband from their job; even yourself! You were created to do more and be more, not just settle for what life or your boss says your value is. You can begin to shape your financial future by just increasing your dreams alone! When your subconscious mind is set on achieving a goal, it will begin to create and think of opportunities to help you achieve that goal. That is why one of my definitions of success is: When opportunity and preparedness meet. Your mind will have you prepared to see an opportunity and take advantage of it. 

 

So begin to increase your dreams to increase your finances. Stop settling for what you currently have based on your circumstances. Rise up and be all you can be!

 

Click here to join a winning team and increase your cashflow for a brighter financial future!

 

Ken Cloutier

Why Network Marketing Makes Sense!

Published by Kenneth

Network Marketing has a long, storied history that dates back to the 1950’s. Over the years it has gotten both good and bad publicity. Recently, however, many people are beginning to understand how Network Marketing can be a very simple and low risk way to make money.

Network Marketing can basically be defined as a company that sells goods or services or both who has distributors that sell the product to the market place via word of mouth. This cuts down the advertising expense to the company and allows the distributor to make the profits that the company would normally use on advertising. The second component to Network Marketing is the ability to add other distributors into their network who do the same thing. When other distributors sell a product, everyone in that network gets a small percentage of the profits. Does this sound familiar? McDonald’s uses the same concept. When Ray Kroc started with McDonald’s, he only had two stores. Understanding the law of duplication, Ray began offering an opportunity to entrepreneurs to purchase a store and he would provide all of the training and supplies. In exchange, the owner of the store was able to keep 98% of the earnings and gave Ray the additional 2%. This was a great deal for both parties involved. The store owner made a lot of money and as more and more stores opened up, Ray made a lot of money. Would your like to have 2% of a million dollars duplicated over and over? That is the essence of Network Marketing. Now that you have an understanding of how Network Marketing works, let’s discuss why it makes sense for the average individual to use it as a way to make money. It is important to understand that Network Marketing is  not for everybody. Then again, what is?

There are tons of Network Marketing companies out there that have many different products. From electronics to phone services to health/consumables and insurance, and many more. It is based on the individual’s preferred product that will help to determine which opportunity is best.

Generally speaking, you are able to purchase products from the company and make money doing it. How neat is it to be able to buy things that you are going to buy anyway and make money back? Think of it as frequent flyer miles that airlines offer. When was the last time that a major supermarket or store in your area actually sent you a check based on a percentage of the products that you had to buy already? Very cool concept, wouldn’t you say? In addition to purchasing your own products, you are now able to sell the products that other people are also already purchasing and using. This allows you to make a profit just like the major stores do that you have been spending your hard earned money with. There is no limit to how much you can sell or earn as it is all word of mouth selling- the best way! Think about the last time that you bought a shirt or a pair of shoes and got complimented. Most likely the person asked you where you bought the shirt or shoes and went to the same store and purchased the shirt, shoes, or even some other clothing. Did the store send you a referral check for the money the new customer spent? Can you see how this works? You put yourself in a position to be able to profit from things that you do already on a daily basis.

Finally, in Network Marketing you are able to offer the same opportunity that you have to others. Notice the word that I used- “offer.” You don’t sell people on getting in business or joining a Network Marketing opportunity, you ID-100105995simply offer it to them as a way to make money. Remember that I said Network Marketing is not for everybody? Some people that you offer the opportunity to are not in a place in their lives where they are looking to create additional income. Maybe they just got a promotion at work or are finishing up a Doctorate degree. Whatever the case may be, they just are not interested in the opportunity. So what? There are millions of other people all over the world that are looking for an opportunity to make money. You just have to sift through people to find the ones
that are serious about making more money. I like to use the example of a waiter or waitress and ketchup. You and another person are at a restaurant and just ordered a burger and fries. The waiter or waitress asks the both of you if you would like some ketchup with your burger and fries. You say no because you don’t like ketchup. Do you think the waiter or waitress takes it personal that you don’t want ketchup? No. They simply ask your friend if they want ketchup and they say yes. It is as simple as that! We all have a circle of influence that would be open to creating some additional money, you just have to ask them.

It is with sincere hope that this article has cleared up any misconceptions or given you a good frame of reference as to what Network Marketing is. It does not matter your educational level, age, or type of job or career that you have. Anyone can use Network Marketing to achieve their financial goals. All that matters for anyone considering a Network Marketing opportunity is that you have a goal in mind and that you are willing to be persistent, work hard in your own business, and can handle rejection.

My wife and I have been part of a Network Marketing business for several years and have successfully helped hundreds of people make money and achieve their financial goals. Just as in anything, there are no guarantees, and please understand that Network Marketing is not a “get rich quick scheme.” Legitimate results requires legitimate effort.

If you are building a Network Marketing business currently, congratulations! Keep at it and don’t ever give up! I wish you the best. If you are looking for a Network Marketing opportunity or just looking for a way to make money in general and would like my help, I would be honored to find out what your goals are and help you to achieve them together. Just click here and I will see you on the other side!

To Your Success!

Ken Cloutier

 

 

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How to Make Good Decisions

Published by Kenneth

Good decision making is crucial to anyone that wants to achieve success. In the very high-tech world we live in today, there is a battle for your mind. From the pressures of getting the newest cell phones/technology to the tv commercials telling you why you should buy their products,  to the world news attempting to direct you on how to vote, think, etc.we are constantly surrounded by others who want to make decisions for you.

It’s no wonder why so many people fall victim to their own decisions. They have never really had to. It is as if many people are like sheep that just follow one another into the slaughter house and then wonder “how did I end up here?” With the constant battle for our minds, we must understand how to think for ourselves and make the best decisions that can have a positive influence in our lives. We have fallen into the trap of trying to “keep up with the Joneses” (whoever they are) and if my next door neighbor, co-worker, friend, or relative is doing or not doing it, it must be the right thing to do. Those of you who learn how to think for yourself and make quality decisions can save yourself a lot of hard times and heart aches.

I am not proposing that I am an expert in decision making nor do I claim that I have made all of the right decsions. That is very far from the truth! In fact, the reason why I feel that I can write this post is because I have made many bad decisions try  ing to keep up with the rest of society! The key is that I have learned from most of my bad decisions  and more importantly, learned from the process of how I made those bad decisions.

 The way to make a good decision versus a bad decision is not at all complicated. In fact, it can be summed up with one word- VISION.

Vision allows you to look ahead and see things how you want the end result to be not as you see them currently This is not like having psychic powers where you are looking into the future, but you have a clear picture of where you want to be and then make your actions line up in order to get there.

So what does vision have to do with making good decisions you ask? Everything! If you don’t have the vision of where you are going, how can you get there? Furthermore, how can you take the correct actions and take advantage of the law of cause and effect?

Vision allows you to look far enough ahead to see what is coming. By doing this, you can now be proactive instead of reactive. When people are reactive to things it is like being hit by a barrage of punches from Floyd Mayweather. You are powerless and have to take them with no time to adjust.

If you take our slumping economy, bad job market, and high gas prices into account, you can see how the people with vision can avoid the life challenges of the majority. Those folks who have either went into business for themselves or started a home-based business where they can make additional income while maintaining a job, have looked ahead and fixed their leaky roof before it rains. They know what they want (or what they don’t want) and are doing something about it. They are being proactive.

So how about you? Have you been proactive or have you been hit with body blow after body blow from Floyd Mayweather?! After awhile those punches hurt and start to wear you down. Are you sick and tired of being sick and tired? Have you lost your vision for what you want and are now just taking life as it comes? I know how that feels, I have been there. It is a very frustrating feeling to not feel like you have any control over your life or future. The good news is that you can take control of your financial future by making the right decisions. One of the best decisions that I have ever made was to start a home-based business and take control of my financial future so when the economy slumped or the job market dried up, I am able to get water from my well rather than wonder where the well is!

If you have vision of where you want to be for your financial future and are ready to do something about it, then click here and let’s talk!!

To your success!

Ken Cloutier- Get Motivated For Success

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Who Are You Listening To?

Published by Kenneth

Watch any TV commercial or pick up any newspaper or periodical and you will be flooded with information and opinions on what you should or should not do. The question is, who do you listen to?

It is unfortunate that a large amount of people will listen to, and take advice from, people who don’t have their best interest in mind. Sometimes, it is actually from close friends and loved ones who are trying to “protect’ them from making a mistake or making a bad decision.

Having been in business for a number of years, I have witnessed potential entrepreneurs get SNIOP’d (susceptible to the negative influences of other people). They listened to somebody’s opinion about whether or not they should go into business for themselves or not.

The reality of the situation, is that these people listened to individuals who are have not obtained any type of personal or financial success. These advice givers don’t understand that in order to be in business for yourself and make money, it does require an element of risk- a calculated risk. What the potential entrepreneurs did not take into consideration was the ‘fruit on the tree’ that those people giving opinions had.

How can you expect to learn something from someone that has never done what they are giving their advice about? I have never studied or performed a brain surgery. How crazy would it be for someone to take advice or opinions from me on brain surgery? I have no clue on how to even begin a surgery let alone a brain surgery! Yet that is what so many people do when it comes to their finances and making money. They take opinions from people that are in debt, unhappy, and working in a career going nowhere.

The next time that you are going to take somebody’s opinion that is not going to encourage or support you, see where they are at in life. At your job, have you ever looked at the person who has been with the company for 10+ years and observed how happy they are, what kind of car they drive, where they live, etc? If you like their lifestyle, then continue to follow in their footsteps. If however you don’t, then understand that if you keep following their same path, you will end up where they are.

I have been fortunate to have been able to have a set of mentors that are in life where I want to be. They have given me and my family the ability to have someone to model and follow a script for success. These individuals have been able to put up the warning signs of life and enable us to sidestep any potential potholes that would be around the bend.

How about you? Do you have anybody encouraging you to do more with your life? Do you have somebody who has a vested interest in your success? Do you have anybody that you can listen to in order to help your chances of being successful?

I have helped hundreds of individuals create extra income and secure their financial stability while maintaining their current occupation. I do not claim to be any type of expert, but i’m just a guy who has great mentorship and has figured out a few things for himself. I am willing to help others do the same.

If you are ambitious, ready for a change, and looking to secure your financial future, click here  to get more information. See you on the other side!!

To your success!

Ken Cloutier