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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

Do You Have a Financial Safety Net?

Published by Kenneth
Over the past several years, many people have endured demoralizing corporate lay-offs or downsizing. In fact, the Bureau of Labor Statistics reported that as of 2013, 11.3 million people are unemployed. That is a frightening statistic. Are you one of those millions? 
The sad part of this scenario is that most of these individuals did not have a “plan-B” or a safety net that they could fall back on if they ever lost their job. Now that they have gotten laid of, they have to scramble to try to find some work in order to keep the lights on and food on the table! More times than not, they end up taking a job that pays them less than what they were making before just so they can have some type of income. Not a good situation, is it?                                                                                                                      
 What about you? Do you have a safety net? I’m sure you are thinking that you have a good job and are on the fast track for growth within your company. I have heard that all too often only to then hear that there was a corporate takeover and the new company is bringing their staff in with them. Maybe you have a bunch of money in your savings account (not many do) and you can go for a period of time without any income. Can you go 90 or 120 days with no income? You have worked hard and have been very disciplined in order to save money so why would you want to have to resort to using it in order to survive before you retire?
I recommend that you develop a secondary stream of income. You can not expect to work with one company for the next 30-40 years and retire with any financial dignity. It just doesn’t happen like that anymore. Having a secondary income can be done in your spare time. It does not have to interfere with your current career or family time. This can be done on your own accord with as much or as little effort as you would like to put in. Think about it, if you could make an extra $2,000/month in your spare time, would that help things around the house? CouldID-100199996 you start to get out of debt quicker? Travel more? Be able to keep your current standard of living if you got laid off? Now you can make more or less per month, but I’m just using that number as an example to get you to think about why it would be a good idea to make extra money outside of your career.                                                                    
 If you have not thought about having a safety before, I would encourage you to do so. We can’t predict the future, but we can make every effort to make it more secure regardless of what happens. My wife and I have helped hundreds of individuals and families create a secondary source of income as a safety net. If you would like to find out more about what we do, click on this link and provide some simple information where we can fill you in on all of the details.
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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Do you have Multiple Streams of Income?

Published by Kenneth

You have heard about it all too frequently on your local news of jobs being cut and the prospect of the economy taking a turn for the better a slim one. Many people are simply holding on for the ride or sticking their heads in the sand and hoping that everything gets better.

But why put your fate into the hands of political officials to make decisions on the economy for you and your family? Why not develop another way to make income outside and away from your current profession or career?

Having multiple streams of income allows you to not only generate more income to your bottom line, but it also helps you prepare for a rainy day. God forbid you or your significant other get laid off from your job, what happens then? Do you have a game plan? I would hope that you are not one of those individuals that think “it couldn’t happen to me.” As I’m sure you are well aware, it can.

So how can you create a secondary source of income when you are topped out on time and may even be working two jobs? What I have found as a great way to make money is to leverage my time with a business system where you can make money even when you are not there. In other words, the income is not solely based on your efforts!

There are many ways to make additional income and I am not professing that there is only one way to do that. I am however, urging you to take some serious thought into having multiple streams of income. You will be thankful you did in the years to come.

If you would like more information on how to create an extra stream of income outside of what you are doing now, simply fill out the form and I will provide you with additional information.

To your Success!

Ken Cloutier

 

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