Business

Affiliate Marketing

Have you ever wanted to work on your own terms? How about your own business that you could work from anywhere in the world?

Sounds like a dream deal. Affiliate marketing is easy to learn how to do. Click on the  photo in this post to learn more. If you want an inexpensive way to start your own business, this is a fun way to start.

The information we’re providing is training, real world training to teach you how step-by-step. Lean how to start your own home based business that could change your life forever.

Freedom to be with your family, financial freedom or just extra income. You decide what’s best for you.

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family, spiritual

Five Things to Change your Life NOW!

“If you can dream it, you can do it.”—Walt Disney 

If life is not where you want it to be. Here are five things you can do that are easy to start and take no money just your time. Making an investment towards your own success has long-range benefits.

Take care to understand that with change comes challenge. The current life paradigms most have are self-defeatist. As a society, we tend to look to the dark because it’s easier to believe. The constant barrage of negative news, people around us, saying you can’t do that. So, it’s not a wonder we all struggle from time-to-time.

self help, change, life, prayer

Some of the things in the list you will have to research a bit to learn to do, the real point starting! Don’t worry about the how to, look forward to a beautiful result.

Don’t stay status quo. It will take real effort for change to last and for happiness to prevail. The old you will want to stay status quo, but the new you will plow through doubt and frustration.

If you give up the enemy wins. Everything in your head will be discomfort. It passes with time, and your life can be happy. You must decide, and you have to do it. Don’t listen to Nay-Sayers.

This is in no particular order.

Here is a list of 5 things you can start today to change your life now:

  1. Breathe, yes that’s right just breathe. A couple times per day, stop get quiet and breath in through your nose and out of your mouth. Deep relaxing breaths. A couple of minutes is all it takes.
  2. Taking time to relax and meditate. I’m not talking about chanting what I am suggesting is relax and focus on nothing. Clear your head! There is a reason meditation is called a meditation practice. It takes time to learn, but it’s super easy. You can find meditation music on YouTube® (use headphones). Find a place where you can relax and learn to meditate.
  3. Get off your butt and walk. Walking relieves stress and will help you clear your mind. Breathe in fresh air and soak up some sunshine.
  4. Do something nice for someone for no reason. Make a difference in someone’s life. Leave a huge tip, give to a food bank, give to a church, volunteer at an animal shelter, just to do something to be a change in the world. Without expectation!
  5. If your workspace is a mess if your house is a mess. Clean it up! The state of your home or office chances are is the state of your mind. Declutter your life. If you struggle just do one room at a time. Take small steps, but step!

Life struggles can be debilitating. Curling up in bed, being a hermit at home, blowing off friends and family. Today is the day that all STOPS. Take one thing on this list and do it RIGHT NOW!

Overthinking kills. It’s easy to say we don’t have time, don’t have money, don’t know how. Hell, we all suffer the same. Don’t worry about the how to look towards the result. The how will come! Take the first step right now. If you don’t then expect the same crappy result, you’ve been getting. This is about change get off your ass and do one small thing right now. Go!

Remember that change comes to those willing to fight through old paradigms. Your head will jack with you hard. What you think is the voice in your head saying “you can’t” (the enemy will deceive you) this is where you get out of your head and open your heart. Breathing, meditation and prayer will all help you live from your soul.

Hope will open life in new amazing ways. Get out of your head and into your heart (I think that’s a song lyric). Don’t worry about the how to, worry about the result. This must become your life’s mantra.

Lasting change comes with the first step. So, take the first step right now and begin the journey.

God bless you; I pray that you find peace and prosperity in your life. I believe you have the power to change your life to be anything you envision it to be. Stay in faith!

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Business, family

Bad Credit Getting you Down

Over thirty-five years of my career has been either directly or non-directly working in retail credit. Working with individuals and families for years helping them with financing. Over the years I have learned a thing or two about financing and credit.

Sadly, most of my clients these days have credit issues. You have no idea how much more difficult life can be when you don’t have a good credit rating. Bad things happen to good people certainly. However, so many folks are what bankers call chronic derogatory credit.

loans, finance, credit

It’s amazing to me how many people will, for example, let a car repo because the dealer won’t help them fix the car. Ruining their credit. Will get into this later in the article.

What I want to give you is sage advice on getting and keeping your credit. To also give you advice on how to regain your credit if you’ve lost it. How to pick up your scores and maintain a quality credit score.

The first thing we should cover is what you need to do before you buy anything on credit. Once you sign on the dotted line, you’re an OWNER. Does not matter how bad the product is you bought, you own it. Many consumers say they have three days to return an item. Better check with your States Attorney General for what is and is not covered under this law.

For example, in the State of Texas when you buy a vehicle, once you drive off the dealer’s lot you own the car. There is no bringing the car back if you have buyer’s remorse. When you cross the curb of the dealership if the car falls into two pieces, you own two pieces of a whole car.

You can’t just simply take back a product after you consummated a deal and expected not to have consequences such as a repo. It does not matter how right you think you are, that you may have been duped. That is NOT the bank’s problem at all. The bank is not a mediator between you and the dealer in this example.

What is an absolute must before you sign for credit, know what you’re buying. Make sure that all your bases are covered. Does not matter is what you buy doesn’t work you still have to pay. Not fair I get it, but NOT the lender’s problem. Your problem is between you and the seller.

family, credit cards

Banks lend money period; they don’t care about problems outside of you paying them back. They did not break your TV or car; they lend you the money to buy them. They assume that you’ve done your due-diligence.

Consumers get caught up in the moment, get excited and make rash decisions. Don’t let emotions get in the way of sound financial judgment. Salespeople are trained to create excitement around your purchase. Don’t get fooled into something you are not completely in control of. Otherwise, you may get to pay for a piece of junk. You can give it back at the cost of your credit. Bankers don’t care about your story or how you got duped. What they will care about in the future is will you do it to them! Don’t catch that plague.

Research the product, car, TV, whatever item you plan to buy with credit. Before you sign on the dotted line.

So, what happens if now if credit is gone. Scores in the four hundred or five hundred range. What can consumers do to fix this?

Here are a few things you can do now:

  1. Get copies of all three credit reports with scores. Free services are good but go get your report from each of the three credit reporting agencies. Trans Union®, Equifax®, Experian®. See what a bank will see. Know exactly what is what.
  2. If you find erroneous information on your report. File a dispute with that credit agency to have it removed.
  3. Check the dates for derogatory information. If something from twenty years ago is on your report file a dispute to have removed.
  4. Work with creditors to remove derogatory information if you have paid them.
  5. Open credit card accounts that are maxed out. Work to pay more than minimum payments, make sure your payments post before your billing cycle. Very important that payments post before your billing cycle.
  6. When possible get at least one payment ahead on all your credit accounts. If you can’t at least try to get one or two. Especially cars, and mortgage. You never know when you might have a rainy day.
  7. Before you hire a credit, repair agency understands all they’re really doing is disputing information on your credit report. If creditors don’t respond within a set time, the credit agency will remove. You can do that for FREE.

There is NO magic cure to fix credit. When you dispute claims, some will fall off while others will stay.

When rebuilding credit starting off with a secured credit card can help. Lots of car dealers can help you with derogatory credit financing. This is not a loan that you buy your dream car with. So many folks go into car dealers to buy super expensive cars with sub-prime financing. This is a huge mistake.

Now you bury yourself in a depreciable asset, that you have no real chance of trading out of for years. Don’t get in this trap I have seen more people make financial matters worse doing this not better. Get your pride out of the way. You may not be driving the car you want this go around, but if you take care of business, the next car can be your dream car.

Believe me; dealers will let you get whatever you want they don’t care if you repo or not. Get what you can easily afford. Wouldn’t it be much better to have good credit in the future or perhaps you think driving a “Buy Here Pay Here” car would be a dream car. In that situation, if you put $2000 down that will be the value of the piece of junk you HAVE to buy for thousands of dollars more than what the car is worth. The cycle won’t end. Get pride out of the way!

If you want to change your credit outlook, it will take work. It won’t come overnight either, but it will come. You may work a couple of years to do it, but one day you will have credit again. Get with a good Credit Union and work to build good credit again. Secured loans and credit cards are a good start. Use practical sense when making purchases on credit where high-interest rates are part of your buying your way back to good credit. Do this, and before you know it, credit will again shine in your life.

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I am happy to answer questions about credit:

Business, spiritual

Work, Work, Work

Knowing today what I do with respect to my career, wow is their so many changes I would have made well before now. This article I hope speaks to young men and women early on in their careers. Working twelve, fourteen or longer hour days. Work, work, work, work, work!

 Jerk bosses will tell you to put in the hours to get ahead, while their ass is at home with family. Or out having a life. Sure, does have to be paid but don’t get lost in a Myer of work = money = life. What good is money if you don’t have a life? The million-dollar question: Life-Work – Balance.

Background for me early on. Working in automotive retail eight AM to nine + PM six days per week. Don’t even think about a day off or vacation. My sons first basketball game I was literally thrown a box on my desk told to pack my shit and go to the game. Or get my ass back to work! What do you do? Retail is a brutal industry, that is very unforgiving.

family,spiritual,kids

The incident I had with a boss with my sons first game was just the tip of the iceberg throughout my automotive career that has spanned thirty-five years. I lost a lot of firsts, family milestones, a life, and burned through a couple of marriages quickly. Damaged my relationship with my kids and the list goes on.

It was only too easy to fall into the trap of work, work, work. My argument with my family is “if I don’t work you don’t have a life.” Looking back how shortsighted that statement really is. What a stupid move. Sure, every man does what he has to in order to provide for his family. Looking back my family was more interested in having me than the money. My dumb ass chose the money.

One thing I have come to learn in my life is you have choices even when you think you don’t. What I mean by this. Don’t forget to have a life while you’re providing for your life. Easier said than done, pardon all the cliches in this paragraph.

Here is my challenge to leaders in organizations. Let’s say that I am a member of your management team. I want to go see my kid play whatever. If you’re the ass hole that says no. My question would be your such a shitty manager that one person off your floor is going to destroy your day. What you’re telling me if I was the owner of this business. If we let one person off for a few hours, my business is going to stop?

The person asking off has such an impact on my business that he can’t be gone for a few hours? This is what you’re telling me? We’re going to screw up the head of one of our best players who must tell his child he can’t do this or that because he has to be at work. As a leader, you should have depth in your bench to move players around, so my business does not suffer. What do we do on sick days? Shut down because XYZ employee is not at work???

Companies are running sales teams, for example; if you can’t be short a guy or two and still not run at peak performance, I am going to look at my leaders and say you may not be the right fit. My teams can operate fully staffed or short-handed period.

Not allowing an employee a few hours now and again to enjoy family events that if allowed will bring back to me a better person. Parents who are proud not stressed about not being there. How much more am I going to get out of someone who is happy than sad? If you can’t figure that out, you’re too stupid to work for me. Business can be hard, let’s not make it harder because of short-sightedness.

Most of this must be a leadership change. A culture change that hardliners are going to buck. Leaders must be able to move players around, fill holes, adapt. This is what makes a great coach; he does not focus 100% of his attention on his starters, he has a bench so he can adapt to change at the speed of business.

This has been what leaders should do. What can you do if the corporate culture you work in is unforgiving? If you find yourself in a job that it’s a brick wall when it comes to time off for life events.

Here are some not most ideal way but a way:

 

  • Take a vacation day. You don’t necessarily have to say why just ask for a vacation day in advance of your family event.
  • See if you can get someone to cover your shift. Another parent is always a good person to ask. Trade shifts with a coworker.

If the business you work in is simply inflexible, it may be time to consider a different company. Jobs come and go but time with your family cannot be replaced. Believe me; I pay the price for that every day. Do over; I would have taken a different path.

It’s nauseating to me when I hear so-called Guru’s say you must pay an ultimate price for success. That the only path to success is at the expense of your life. If you’re chasing that Unicorn, it takes years to achieve real success and wealth. Just as you plan your career path, you need to do the exact same for your family and children.

 

  • Birthdays you can’t get back.
  • First Recital you can’t get back.
  • First Football game you can’t get
  • The first day at school you can’t get back.

Don’t fall into the trap of justification. You cannot justify to a child why you missed so much of their lives; they simply don’t care about your excuse. What they want is you not an excuse. After thirty-six years in business, I can tell you NOTHING was ever worth missing my family milestones. Don’t pay the same price, so many of us pay every day.

Jobs are a touchy thing for obvious reasons. Your life is also important. Think about this are you living to work or working to live? With proper time management and a little creativity with coworkers, you can find a work life, home life, balance!

At the time I wrote this I was fifty-six years old. The biggest regret I have is not taking time for my life and putting work before everything else. All the times that I stayed at work when I should have been living my life. I’m in NO way better off because I did, quite the reverse. Don’t think that money will make up for lost time it does not. Don’t think your kids are better off because you have money, ask them and I can promise you they want YOU not your money.

Don’t get me wrong we all need a job to take care of our families. Just don’t lose your family trying to take care of your family.

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family, spiritual

New Day New Moment

It’s been a tough few months for me. Yesterday, was the end of a season in my life and today it’s time to let a new season unfold. I’m looking one more time in my rear view mirror to say goodbye.

 

self help, Bible, Faith, Hope
A new road, a new life, hope! 

 

What I choose to accept in my life today is that God is in complete control of my life. My one little struggle with that is letting God do his job, and I do mine. In my studies, I have come to learn that if I continue to look backward or in the rear view mirror several things are going to happen.

Looking backward:

  1. I will miss the exit God has directed me to take. The enemy will rejoice in that.
  2. I will inevitably crash if I keep my eye’s looking backward instead of what’s in front of me.
  3. I live status quo, miserable with no change.
  4. What was meant for my destiny will fly by me because I am not allowing my real chance to unfold. Why, because I am not looking forward to seeing my new life.

As you can see if we look backward nothing good can come from it. Yes, I never really wanted such a significant change in my life. On some fronts, I was very content and others in hindsight I was not me anymore, that was not good.

Even though struggle comes from looking into the past, it’s hard not too. What I have come to learn is that we must pray for the strength to look forward, we have to learn to become expectant of beautiful gifts the Bible has promised us and that Jesus paid for on the cross.

Today I trust you will make a pact with me that we will look forward, leave the status quo behind. God has a plan for our lives why not see what that will be!

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