If you’re a frustrated, disappointed, under paid realtor professional and you’re tired of working longer and harder to make less and less money in an industry that has been cut down at the knees with absolutely no signs of recovery, then you can end your worries right now by reading every word of this report by clicking here.

The massive shift in the Real Estate industry is affecting thousands of Real Estate Brokers , and Agents , as well as those in the Mortgage industry. According to Money Magazine, "Prices will sink even deeper. When it comes to housing, 2008 will be one bleak scenario."

The good news is you don’t have to be a struggling victim or statistic. Click here to see what top "former" Realtors, Financial professionals and Executives from all over North America have to say about this exclusive business model.

Until next time, J.

"Take control of your destiny or someone else will"

Your sister-in-law just called to confide in you. She’s beside herself and doesn’t know where to turn.

They will barely be able to make their house payment this month. On top of that, they will need to figure out how to make payments on their cars and credit cards. They’re in their "middle years" and life should be getting easier, not tougher….

They haven’t wanted to let anyone know how desperate they’ve become - it would be too embarrassing. How did they get so "upside down"? They make "good money", but it seems all their expenses kept going up while their income stayed the same. So, they charged more, they used their house as an ATM - now reality is they may need to move in with relatives to get back on their feet. She’s so depressed, and all this is taking a toll on their relationship too….

Sound far fetched? Unfortunately, it may be happening to more people you know than you think. Or, maybe it’s happening to you, and 2008 is your year to get things back on track. Wouldn’t it be a terrific feeling to never worry about something like this happening?

The good news is that there is a way to re-create yourself financially. By linking into a proven, powerful, and automated marketing system you can erase years of poor financial habits - it’s not too late - for you (or your sister-in-law)

To see how, click here

Imagine owning your home free and clear, and owning your cars as well. Plus, you’re able to save for the kids college, and fund a very comfortable retirement that others only dream of. Have more time to do the fun things in life and travel to your dream destinations. Imagine not waking up to an alarm clock and being able to FIRE your boss. No more commuting those long hours to and from a j.o.b. anymore…..

If that sounded good to you, and you’re ready for a life of financial freedom, you owe it to yourself to take another 20 minutes and satisfy your entrepreneurial spirit and see how to MAKE this your REALITY! It’s not "too good to be true", and we ARE changing people’s lives daily!

Make this a positive year! Click here to find out how.

Until next time, J.
"Take control of your destiny or someone else will"

This past weekend I was in Phoenix, Arizona attending an incredibly informative conference for Internet marketing. It was an event sponsored by co-founders of Carbon Copy Pro , Jay Kubassek and Aaron Parkinson. These two young men make more money in a month than most people can even begin to imagine making in a year! True visionaries and entrepreneurs! Those of you not yet familiar with "CCPro" , it is a turnkey marketing system that does "the selling" for you. It’s based on the premise that systems work, people fail. They’ve taken out the possibility for failure by designing an online system that incorporates all of the following:

Ø No buying leads
Ø No selling
Ø No telling
Ø No calling
Ø No prospecting
Ø No follow ups
Ø No cold calling
Ø No closing

It’s automated and takes the real hard work out of the equation!

The conference though wasn’t to address these features and how to use them, as they already exist. We heard from other top experts in the field of Internet marketing and Web 2.0. Entrepreneurs such as Jimmy Davis & Dennis Karganilla of MLM Goldmine. Cherie Yvette of The Urban Cowgirl. Jeffery Combs of Goldenmastermind, and Howie Schwartz who explained how to dominate the search engines. There were other top speakers and guests as well. This event gave all of us who attended so much information to leave with and put into action! Don’t you just love it when something is worth every penny you paid for it? Let me know what marketing systems are working for you and your home based business.

To find out more about Carbon Copy Pro, please click here

Until next time - J.
"Take control of your destiny or someone else will"

I’ve recently read there are three types of investors:

1. People who don’t invest at all
They may be the ones who feel they’re "entitled" to support from the government, or the companies they’ve worked for. Some might even expect their families to help out. Most certainly, this group has no desire to learn how to take care of themselves and their future.

2. People who invest to not lose
They are generally low risk takers. They want their money safe in CD’s or money market accounts. They might even allow their employers to choose for them where to place their 401K monies. This group usually does some research on their own, but it either intimidates them, or they just have absolutely no interest in managing their own money.

3. People who invest to win
This group doesn’t settle for "safe". They want higher returns and are willing to put forth the effort to learn more about various opportunities and investment vehicles available to them to participate in.

To quote Kiyosaki, "I realized the reason most people invest not to lose is because most people think investing is risky or that investing is gambling. Many also believe that to get higher returns means you have to take on more risk. Nothing could be further from the truth."

The key is to use "leverage", which is difficult to do if you’re an investor like #1 or #2. You need to create an asset base that will grow exponentially. Create multiple streams of income, so combined they work together, even when you’re not. As an "employee" you trade time for dollars and will only be able to earn as much as your hours worked. But leverage "yourself" by becoming a business owner (even part time to begin with), and an investor - and the entire scenario can change.

What would you do if you had more time and money? What is really important to you? I recently explored these questions with one of my clients. He attended a recent company event - had an "AHA" moment, and decided he wanted to be like investor #3. Of course, he heard from some of the best in the industry at that event, and his life will never be the same. Contact me if you’re interested in exploring those questions too…..

Until next time, J.
"Take control of your destiny or someone else will"

Setting up a home business office is slightly different than telecommuting for an employer. Many times employers will provide assistance with ensuring your equipment and “environment” are set up to be productive as well as ergonomically correct. As a small business owner you are now responsible for all of this. But before we discuss the placement of equipment, I’d like to point out a few other factors for your consideration while you embark on your new journey. Here are some of the “Pros” of working from home and taking the plunge!

To read the rest of the article and see the 9 “Pros” listed, please continue here…

This past weekend we hosted our annual "Lake County" ride and BBQ. A group of us have been riding (Harley’s) together for many years and this particular ride we’ve now done for 10.

We began the trek on Saturday from Danville, Ca, and rode into the wine country, through almond orchards, and around Lake Berryessa. It was a bit hazy this year, but still great weather for a ride. We then ended the day back at our placed for a BBQ. There were 18 of us this year…. a great group and lots of fun!

Here’s a shot of the Lake (a big water skiing destination) and again, just like last week the picture was taken from the back of the bike…

We ended our weekend by seeing our close friend, Laurie DeSeguirant, perform with a Big Band paying a tribute to Old Blue Eyes. It was called Simply Sinatra and Laurie sang and performed brilliantly. The band backing him were Jim Franz, Jan Nichols, Gordon Rowley, Bob Scott, John Nichols, and Dave Tidball. They have performed with greats such as Tom Jones, The Drifters, Liberace, Michael Jackson, Sammy Davis Jr., Ella Fitzgerald, Willie Nelson, Frank Sinatra himself, and many others.

A good weekend and now regenerated again, to roll right into a productive week!

Until next time - J.

"Take control of your destiny or someone else will"

The chances in todays economy are you will become the "new" poor, unless you decide to become the "new" rich. The middle class is disappearing, with so many people not prepared for the future.

As Kiyosaki has said, "Identifying a problem creates the opportunity for creating a solution." We’ve all read and are aware the majority of the baby-boom generation doesn’t have enough wealth to retire as they thought and hoped they would. Unfortunately, many are of the "entitlement" mentality.  Their parents may have had a pension and Social Security, so they think they will too.  However, our Social Security and Medicare systems are in serious trouble, but many are still counting on it to be there.  Their meager savings won’t be enough to retire. Instead of educating themselves and creating a "Plan B" for themselves - they are being ostrich’s with their heads in the ground!

We have a growing trade deficit, growing U.S. national debt, and a falling dollar, while oil and food prices continue to climb. It’s time for more people to become personally responsible for themselves. There are many opportunities for people to supplement or increase their income through starting small side businesses or a home based business. Learn to invest money wisely, and as importantly learn to manage your own finances.

"The mind that opens to a new idea never comes back to its original size"  -  Einstein

Until next time - J.
"Take control of your destiny or someone else will"

Success is a process and not something encoded in your DNA. It doesn’t transfer through generations, even if you were "born into" a wealthy family.  It is a learning process that requires you to take steps towards your goal.  Sometimes you might feel like you’re going backwards instead of forward, however even then, you’re learning the process which will push you along.  Because of this, the playing field is even- anyone can learn to become successful with focus and desire.

Sometimes those backward steps are telling you to redirect and take a different path to your goal. So, your first step to learning how to become successful should be goal setting.  As rudimentary as this sounds, many don’t do it.  A very basic, day to day, goal setting process would be to start with three types of lists:

•    Standard type tasks that must be attended to each day

•    Things you can do each day to create new opportunities and growth (personal development is included)

•    Daily to-do and to-call lists - these are best created the night before.  You’ll find by doing this, you’ll save time and be able to hit the floor running the next day.

Of course these then can be expanded on for weekly and monthly lists.  Master the use of them and you’ll find yourself beginning to learn the process of goal setting.

Until next time - J.
"Take control of your destiny or someone else will"

GOING CALIFORNIA COASTAL

It was weekend’s like this past one that I feel so blessed to live in California. Within a few hours of either direction (from SF Bay Area) we can be in a variety of micro-climates and terrains. I had to pinch myself all weekend as we took off on one of our Harley excursions for the weekend with a couple of friends. We started out on Friday morning, making our way through some traffic (although could’ve been worse!), and went up to Healdsburg for lunch. This is an area that is one of the “gateways” to the wine country. Imagine rows and rows of grape plants with their leaves just popping out. The sky was blue and the weather about 80 degrees. Perfect day for a bike ride!

After lunch we cut over to the coast for our evening destination at Sea Ranch. A community which started in the 70’s and all homes are positioned with ocean views. During the ride over the mountain range to get there we drove through some breathtaking vistas. Starting with rolling hills of green starting to turn golden. The wildflowers are all in bloom this time of year and every so often at a turn we could breath a sweet smell of flowers. The Bay Leaf trees are bursting and we would smell those as well. The air was what we call “soft” this weekend, meaning there were just light puffs going across you instead of nagging hard blowing wind. (Yes, we’ve ridden in that too!) You’d never be able to experience some of these things from a car! This time of year all of the trees and shrubs are pushing out their new foliage and they’ve not had a summer season of dust on them yet. The various shades of greens and shadowing make for a fabulous tapestry.

Saturday we headed up north further along Hwy 1 to the town of Mendocino. The sky was so blue, not a bit of fog, making the water look as turquoise as you’d see in Hawaii - although not near as warm! It’s one reason I prefer our coast in the Spring and Fall - the weather seems much calmer then. We had a terrific lunch on the deck of a small restaurant, sitting in the sun and overlooking the beaches. We then headed back to Sea Ranch for the evening - and what a treat we had - we saw a couple of whales “blowing their spouts” from the living room window!

Here’s a picture of the coastline we were on for a few days….. not a bad shot since it was taken from the back of a Harley going about 60mph!

On our return trip home Sunday, we took a different route via Russian River and through the Redwoods. If you’ve never seen a redwood grove, try to do it sometime. The road is lined with lush ferns and other shade loving plants. When the sun filters through these giant trees onto the greens it’s an incredibly peaceful sight. We then visited a very unusual nursery/greenhouse which you can checkout at www.californiacarnivores.com. It reminded me of something out of The Little Shop of Horrors! All of these plants eat bugs, some of them can grow large enough to eat small rodents - yikes! You’ve probably heard of Venus Fly Trap, they have those and many others. You’ve just gotta love Spring and getting outside to do things!

Here’s a picture of one of the “carnivores” but really doesn’t do it justice. Check out their website!

Until next time, J.
“Take control of your destiny or someone else will”

There’s an old saying - "Life is not a dress rehearsal. It’s the real thing".  With that there’s a certain amount of living on the edge that’s needed if one is going to excel. Does that mean you need to live on the edge of a financial cliff each week or month though? Quite the opposite - it’s very liberating to not need to worry about your finances, and then you can enjoy those moments of living on the edge.
The keys to this are:

•    Evaluating your current financial situation objectively. Get some assistance to do this if necessary. Then put a plan in place to consistently knock down your debt.

•    Minimize your taxes.  There are ways you can legally and lawfully lower your income taxes.  Learn ways that you can benefit specific to your situation.

•    Create a savings/emergency fund.  You should have a minimum of 3-6 months of income saved to pay your bills in an emergency situation.

•    Ensure proper protection, so you can sleep better at night. Is your family properly protected?  Do you have adequate life insurance? Do you have a living trust?  Find out what you need to do to protect your family’s assets.

•    Create wealth and build a legacy. This is where it gets FUN! Invest like the wealthy and see how it grows. Fully fund college accounts.  Retire early on your terms.  Make your financial dreams a reality.

•    Remember that finances are only one piece of the "being wealthy" equation.  Maintain your health so you can enjoy the fruits of your labor. Give back to your family, friends and community - it’s a wonderful feeling, embrace it.

Until next time -

Janet

"Take control of your destiny or someone else will"