It is not the critic who counts, not the man who points out how the strong man stumbled, or where the doer of deeds could have done better.
The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood, who strives valiantly, who errs and comes short again and again, who knows the great enthusiasms, the great devotions, and spends himself in a worthy cause, who at best knows achievement and who at the worst if he fails at least fails while daring greatly so that his place shall never be with those cold and timid souls who know neither victory nor defeat. - Theodore Roosevelt




1.      Affordability. No room for interpretation here.  It has to be affordable to the masses or else recruiting/team building will be difficult to impossible for most and attrition will be high. there also needs to be a good income potential.

2.  Simple To Build & Get Into Profit Fast. Super important

to help curb attrition. The average Joe needs to be able to bring

people in without having to have house parties (which most

people won’t do) or try to sell to their friends and family (which

most people don’t want to do). A key point: it has to be able to cover their

monthly cost quickly or they’ll quit. That’s just a fact unless they

absolutely love the product. if the system is isn’t easy to duplicate they won’t do it.

3. The Product Must Be Retailable & Useful To Marketers. 

The product needs to be something you and other marketers

will want & be able to use to help them with their current opportunity(s)

and also we must be able to sell the product to non-network marketers. 

What you sell is as important as how, but you can’t sell what you don’t believe.

4. The Pay Plan Needs To Be Simple Yet Lucrative.  The pay plan needs to be easily explainable and more importantly understandable. It shouldn’t require that people build enormous teams, yet can pay out massively with some work.


Is your sweat making you money?

Stupid question I know. That only applies to jocks and mathletes. Let’s get serious for a minute though. You work, you go in day after day. You do 35-60 hours a week and you’re reward is a check that is predetermined regardless of your efforts for many people. So you and John Doe can put in different quantities and quality of work and get the same check so this further disheartens you.
But back to the main pain.
We established that your efforts get you a check. And that’s it. Odds are your boss is getting 50% more than you. And the owners and or CEO are taking home vast quantities of cash made off your efforts. Your labor, your sweat is building an empire for another person/s.
Now you can have the defeatest attitude and say well this is the system, and go grab a beer from sam adams- they have a new one flavored with melancholy.
You might say well ill just work harder and save harder. Spending nothing on myself. Well now you are bored, depressed, and your savings account does 1% if your lucky. Your 401k is losing value and is most likely going to drop more as baby boomers make their required 6% withdrawals. (We’ll discuss that in depth at a later date.) Oh, a final caveat- the govt taxes you on some savings and if you borrow from your 401k, your own money by the way, you may pay as high as 7% interest to the lender. Good deal right?
There is another way. Its called LEVERAGE. Leverage is a simple way to increase your time and income.
If you spent a few hours a week building your passive income in your spare time and then applied a little leverage you could see a positive return that would change the lives of not only you but your loved ones.
So my challenge to you is will you sweat for ‘the man’ or will you let your sweat build you an empire with passive income that frees you up?

Setting goals (#thriveorsurvive)

Success will not come without goals.
Now that may not seem a fact to all of my readers but think about it. Tomorrow the giants are in the super bowl battling the Patriots. Do you know what they have in common? The same Goal- to win the ring!
What do the teams who didn’t make it have in common- a goal to make it to next years super bowl.
In essence Goals are like building blocks and guidelines for the life you either achieve or end up with.
A Goal narrows your field, a form of tunnel vision I’d you will. Setting a Goal will give you focus and clarity to move forward with greater ease. It is also the cornerstone of your success. A Goal once conceived and followed up on is essentially the first step/stone- after it proceeds all that will come.
Goals don’t have a size or scope-in fact many times small goals lead to greater success. And a group of small goals once completed lead to grand victories.

Are you a goal orientated person? If not chances are you are either failing or treading water.
Look at Arnold Schwarzenegger. He set a goal to be the best, a champion body builder. And this simple Goal led him to success and wealth. And by the way he held that title for seven consecutive years which is no small feat.
What are your Goals?
Have you written them down?
Do you believe in your Goal?

If you haven’t answered yes to each of these questions start with this:

1)Get a piece of paper not your ipad, blackberry or so on.
2)Write down your Goal simply and clearly.
3)Say your Goal out loud three times.
4) Repeat this process every morning for 30 days straight without fail.

Thoughts, questions, or just need help?
Leave a reply or email me at

Given the scale of life in the cosmos, one human life is no more than a tiny blip. Each one of us is a just visitor to this planet, a guest, who will only stay for a limited time. What greater folly could there be than to spend this short time alone, unhappy or in conflict with our companions? Far better, surely, to use our short time here in living a meaningful life, enriched by our sense of connection with others and being of service to them. 
—  From a mentor,
Thanks RON.
Riskiest Places to Use Your Credit Card (via

Riskiest Places to Use Your Credit Card

Even if you use the utmost caution, you can still be a victim of credit card fraud. Credit card companies and banks are more and more often putting the onus of catching phony or incorrect credit card charges on the consumer.

The most important thing is to check your billing statment, of course. And there are organizations like that offer tips on how to keep your cards safe as well. Here, we take a look at 10 of the riskiest places you might use your card, according to , and what you can do to avoid the dangers.

By Constance Parten, Senior Producer

External image
When debt collectors call, know your rights
By Scott J. Wilson, Los Angeles Times

April 22, 2012

Debt collectors calling? You have rights.

• The debt collector must tell you — within five days of initial contact — the amount you owe, the name of the creditor and how you should proceed if you think you don’t owe the money. If you dispute the debt, send the collection agency a letter within 30 days saying so. Once the debt collection company receives your letter, it must stop trying to collect until it sends you written proof of the amount you owe.

• Debt collectors may not call you before 8 a.m. or after 9 p.m. unless you say it’s OK. They may not call you at work if they know, or if you tell them, that your employer prohibits such calls. If you tell them to contact you only by mail or not to contact you at all, they must comply (it’s best to put your request in writing). If you have an attorney representing you over the debt, the collector must deal with the lawyer, not you.

• Collection agents may not “harass, oppress or abuse you or any third parties they contact,” the Federal Trade Commission states. They may not threaten violence or harm, publish the name of debtors, use profanity or make repeated calls to annoy someone.

¿ Debt collectors are not permitted to lie in an attempt to get you to pay up. They can’t, for instance, say you have committed a crime or claim that they work for the government or for a credit reporting agency.

¿ Report problems with debt collectors to your state’s attorney general’s office (in California: and to the FTC ( If you feel your rights have been violated, you can sue a collector in state or federal court, but be sure to file within one year of the date of the violation

So for the gym goer’s- we all know this exercise right? Its the bench press to build the major pectoral muscles- known to the common man as the chest muscles. Every guy wants these muscles big- they’re a status symbol like the varsity letter on a jacket. But you can’t move without a base platform, in this case the bench that supports your weight and hopefully proper form. Now this seems like basic hoopla to most people but let’s examine it for a second. You want to tone and carve up your physique. You want to be the new terminator. Well you need a starting point. And that bench is it. It is the foundation that puts you in place, holds you up, and sets you free to achieve. Now let me close this article with a few questions. What is your foundation? Do you have one? What is it holding up? Are you ready to build on top of this foundation? Will you? If you need help putting the pieces together, or want to simply discuss them- let’s chat.

Email me at:

5 Thoughts of Wisdom

1. If you are right, then there is no need to get angry. And if you are wrong then you have no right to get angry.

2. Patience with family is love Patience with others is respect. Patience with self is confidence.

3. Never think hard about the past, It brings tears. Don’t think more about future, It brings fears. Live this moment with a smile, It brings cheers…

4. Every test in our life makes us bitter or better. Every problem comes to make us or break us. Choice is ours, whether we become victim or victorious.

5. Search a beautiful heart, not a beautiful face. Beautiful things are not always good, but good things are always beautiful.


“I didn’t even complete my University Education” - Bill Gates

“In my childhood days, I stitched shoes” - Abraham Lincoln

“I struggled academically throughout elementary school” - Ben Carson

“I used to serve tea at a shop to support my football training” - Lionel Messi

“I used to sleep on the floor in friends’ rooms, returning Coke bottles for food money, and getting weekly free meals at a local temple” - Steve Jobs

“My teachers used to call me a failure” - Tony Blair

-What about u?
Are you leaving a legacy?
Have you made your mark?

Life is not about what you couldn’t do so far, it’s about WHAT YOU STILL CAN!


Are you fighting for your independence?

Are you fighting for your independence?

Its independence day people. Today we celebrate our freedom and get a nifty day off from work to boot! Now I know a lot of people aren’t too excited. And most of those who are excited feel so simply because they got a day off from work. Nice.
However I have something more important on my mind and wanted to engage my readers with a few simple questions.

-Are you fighting for your independence?
Everyday, in every choice we make we either move closer to true freedom or put another limb in the proverbial shackle.
Let me explain. When we make workplace choices, or spending choices, or even simple choices as to what to read we place our freedom in jeopardy. You see there is a science to being free. A system of sorts and it requires dedication and hard work. And of course discipline. Wallace D Wattles wrote a book called the Science of getting Rich. I bought a copy and a coworker laughed. Now I won’t discuss the book now. What I will discuss is his laughter. You see he laughed at my choice of work but I saw it as research. The more you know about your goals and your end game the better you will achieve.
Also there is a mind set that has to exist. His mind set was -eh whatever money isn’t important.- My mind set was the more I know about the monetary vehicles and systems that control whole countries, the more I could achieve success in their realm. Remember people, money and finances are NOT everything but without a mastery of these concepts and systems you are little more than a new era slave.

-Do you have a plan of action that enables you to have a steady stream of residual income?
Without residual income you probably will work past 80. Sorry fact. My parents aren’t retiring till damn near 70. SSA administration has me set to retire after 67 and with budget crises and what have you I expect worse. Yes. The number will rise as we age people. The government and the average joe as well has kicked the can down the road for so long that we are already out of road and we are merely looping our current path to fiscal destruction. Sorry its true. Yet if I was wrong would you not still be better off if you simply created that residual income that will take you to the next big purchase- And beyond it?
Residual income is simply what it sounds like: income that keeps COMING and keeps GIVING.

-Do you have a plan to become independently wealthy this year?
Or a plan to get you there in the next two to three years minimum?
If you don’t, enjoy the shackles. Tuition, mortgage, health care- they can all take you down. Heck if you don’t have long term health care you are stuck in a mere few decades. I’ll even wager most of you haven’t heard of it, wanted it, or even thought of buying it. Let alone the few who have it set up. WE ALL need a plan to get ahead. How could you not want to be independently wealthy? Working for a cause is noble and a profession that gives back is amazing. I SALUTE that. But you have to want the big money. Why. Not the money. But the freedom that it provides. The leisure. The choices. Make a plan. Make decisions. Get thee people and start with planning it out on paper.

-Do you currently have the freedom to come and go as you please?
Amazing how we all have bosses and think we are in charge. Sorry if you need to schedule vacations et al and then they are pending approval- you’re stuck. And I’m sorry but its horrible. I’m currently employed by a boss. How or where is inconsequential. The sad truth is I love my job. Better yet I love the work. I give back. I’m fair. I’m honest and I give 110%. However my line of work has a time frame and as such I can’t pick up and go for a trip to Ipanema. I can’t run for any and every family emergency. I loathe that.
Do you? If not. Why? Get free people.

-Do you worry about college expenses for the kids? Daughters first wedding? Parents getting sick? A new recession?
These expenses are almost inevitable. Unless you’re an orphan, a jerk or plan to be child free forever and are sterile- hey, accidents happen. If you have any of these worries. Or inflation keeps you up at night its time to move past that. Financial freedom is the only way. You have to have a surplus. If you have x and your expenses are y you are stuck! Time to move forward people. Make a commitment to being free. These moments in life can be burdens or blessings. I want to be blessed to care for my family. I want to be there in the final moments and the high ones. I want to miss nothing. I don’t want tuition to dictate my kids choices. Are you with me?

Quick recap:
Mind set. You have to want independence and believe it is possible- and that YOU Will achieve it.
Learn more. The more you know the more you will gain. Remember G.I.Joe- knowing is half the battle.
Plan more. The more you plan the less you fail. Simple enough not to belabor it.


The quality of your life is always defined by the choices you make.“ - Marshall Sylver

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat.


Or simply reply to this article.