Category Archives: MLM

Great video from @ericworre

Great video from @ericworre

How To Attain FREEDOM In Network Marketing


I work with several MLM companies because I like their products either for my family’s health or  for lifestyle reasons, and don’t see why I should pay retail when I can get a discount.

I don’t always work the business – but that’s the joy of networking isn’t it – it’s all up to you!

One I’m very keen on because I see it as my retirement saviour is Flipping 4 Profit

But I buy household goodies with Amway and every day take my dollop of Prime 1 ever since my son was recommended it when he had cancer.

So take your pick there are simply thousands to choose from just do your due diligence and don’t expect miracles… it is a business and you do need to do some work to reap any rewards 🙂


Go well till the next time


Boomers go Travelling in 2015

Do you like travelling?

I love visiting new places and even better if its a new country and culture!

It seems Boomers in general love to travel, as according to AARP’s member survey of 2014
* Boomers will make about four to five trips in 2015 and one-third of employed Boomers plan to work while travelling.

Doesn’t that just back up all that I have been saying recently about Boomers being great entrepreneurs and users of technology. How else could those statistics work?

This is exactly what I am doing with a little help from my mate Pete Carruthers. He’s not a real mate as we only have a student / tutor kind of relationship but I’ve been listening to his business guidelines for several years now and with the weekly webinars I do feel I know him well. I certainly trust him too guide me successfully into an online business.

It’s when you have an online business that you start to get the beginnings of freedom in your life. If you do your research well you are able to market whatever is your chosen product from anywhere in the world that has Internet access. Pete is regularly found in a coffee shop.

Online businesses come in many guises:

  • An online shop selling goods from a supplier
  • Selling and buying by using platforms like Amazon
  • A membership site where people pay you weekly, monthly etc for information
  • Sell your skills as freelance
  • Sell training of those skills or
  • Develop a course to sell
  • Blogging which can earn money if you Advertise on it
  • Affiliate marketing – when you promote someone else’s product and earn a commission if your referee buys the goods
  • Network Marketing

Obviously there are plenty of us Boomers who love the computer and have become entrepreneurial on the Internet. I love travelling around, logging in whenever I fancy, checking in on my business and either placing another investment, listening to a webinar,  writing to a client or even Skyping them.

Boomers were made to enjoy being retired and  wandering the universe all the while making sure they have a passive income to make it all possible.

If you haven’t started yet, give it a go it’s great fun and lucrative too!

Go well till the next time








Is This The Best Business in the World?

 In 1988 I had my first brushing with a new way
of marketing products.

As a young married couple and me a stay at home mum we were looking for a bit more income that I could do from home around the routine of the children.

We found a company that required me to make cultures from milk. Strange I know and we but it worked we made and sent it off to the company and got paid. We realised that referrals were paid commissions but before we got to thinking of telling anyone the company that was buying the cultures disappeared! We never really understood what went on and for the first time “Pyramid” reared its head.

I have no idea if it was a genuine collapse of a company or whether it was a pyramid but it at least opened my mind to a different way of running a business.

Move on ten years and with a husband out of work in a recession we were looking for a way to make some money and happened across, quite unexpectedly, a couple of companies that had chosen to sell their products using the direct sales model. It had evolved into a very ethical business model where if you referred anyone you were given a commission as a company thanks.

Being a bit of a equalatist (if there is such a word) this appealed to me very much as everyone starts on the same playing field with the same opportunities open to them with the same rewards payable.

I have since used several of these companies to buy goods I use so as to get the brilliant discounts and now I am even investing for my retirement, once more using this affiliate style of business.

I love it, but let me get David Frost a lecturer at Bethney College to explain it so much better than me.

Did you not find that fascinating?

Why not take a look at how it works today here
See if you too want to become a network marketer along with 76 million Boomers! (Forbes)

Go well till the next time



Why is Passively Investing in Real Estate Critical for Retirement?

I love this article from Bigger Pockets . I have taken some salient points which made good sense to me

Passively Investing in Real Estate is Critical for Retirement

Passive real estate investing allows investors the freedom to choose when to retire and without passive income, many will not be able to do so.

Definition of Wealth

What is wealth? Have you ever really thought about it? Or more importantly, have you ever thought about what wealth looks like for you? Wealthy is when we are able to stop… to stop doing the things we have to do so we can do the things we want to do.  Each of us has a lifestyle that we live and hopefully we have identified hobbies or activities that we enjoy; wealth is simply a mathematical equation that tells each of us how long we can enjoy those hobbies and our lifestyle before our funds run out!

Here is a simple mathematical equation for determining wealth:

There are many retirement forecast sites you can visit (**some are at the end of this article)  but essentially this is the equation and it’s easy enough for me to do it!

Balance of Accounts (cash on hand, retirement) = Retirement funds:

Monthly expenses (Mortgage payment, car notes, living expenses, insurance, required funding):
Monthly passive income (Net cash flow after debt service & expenses):

Monthly Expense - Monthly Passive Income = Total Monthly Flow (Positive or Negative) Multiply this number  by 12 to get Yearly Flow

Retirement Funds/Yearly Flow = number of years

*Ideally your passive income is larger than monthly expenses, but for most, it is not.  Subtract the passive income from the expenses and divide your Retirement funds by this number and you have how many years you can maintain your current lifestyle before your funds ran out.  Most people are often surprised to see that after a short handful of years their funds are gone. 

Since very few of us are built with the notion that working until our last day is our idea of enjoyment, putting together a plan for growing passive income becomes critical for securing a comfortable retirement.

Develop Passive Investments for Retirement

By adding passive investment properties to a portfolio, an investor gives themselves the freedom to choose which activities are most important to them

Passive Income and Real Estate Investing

I’ve  flipped some properties and I hold some as a long-term rental.  Essentially, I do nothing except choose what I wish to invest in today!  I leave the hard work to others who manage the whole process I simply just enjoy choosing what to invest in today!

Luckily, I am building a  ***passive income that will allow me to experience retirement on my terms for many years to come

Go well till the next time



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Is Your Financial Advisor Messing with Your Retirement?

Regular readers may know a little about me but when I saw an article the other day asking this question I thought, oh dear, I’m not the only one needing to make a plan.

More importantly, what are we all doing about it?

I do not have any resources to draw on other than my failing stocks, which are still tied up for another *** years. I cannot afford to put up my hands and say “C’est la vie!”not if I wish to eat once I retire! Much more importantly though, I have a pretty long bucket list that I would like to tick off satisfactorily.

So off to work I went.
The question is, what on earth is going to fill the hole in my current bucket which is loosing money at a disastrous rate?

I have scoured the Internet and read several books and taken several courses to best arm myself against more bad judgement calls.

I am currently on a course putting together the means for me to earn a reasonable passive income from the Internet with my long-time business guru Peter Carruthers. I did battle with an idea of what to do but now I’m busy researching my ideas to see what will gel. With Pete by my side I know it will work as he is passionate about helping us all have enough to retire on.

My Dad was a quantity surveyor and my brother is an architect and some of that seems to have rubbed off on me as I have always had an interest in property. It seemed natural to look too property for another string to my bow. I have done several courses but realised that the daily cut and thrust was maybe a bit too hectic for me so I looked for a simpler way to invest in property.

Fortunately crowdfunding has taken off in a big way and it has flowed into the property domain. This means I don’t need to find vast amounts of money I can invest my small amounts each month and draw out my percentage of rent payments or sale profits.
That is a really cool idea in itself but the best is that it is totally managed by a company not me! There are various companies to choose from but I found Flipping4Profit had an added tweak to offer. I decided (after much due diligence) to invest with them and explore their added extra which is simply networking the idea to others.

I’ve not stopped looking for other ways to create some income but having done the maths I’m satisfied that if I keep to my plan with these two income making avenues I should now be fine until the day I die regardless of what my financial advisor manages with the money I put into his hands!

I’m going to be OK, are you?
Go well till the next time



Invest in Something You Understand Not An Idea!

“Invest in something you understand not an idea”

This are the wise words of Scott McGillivray in an interview with Robert Laura, a retirement activist. Robert Laura is well known for his insight into retirement and investing for retirement. He had an interesting interview with Scott McGillivray of HGTV Canada. Mcgillivray’s recommendations are to:

  • Invest in something you understand not an idea – get some education
  • Property is get rich slow not get rich quick
  • Follow through – Do It!

On Creating An Income Property

He is in favour or ‘Buy and Hold’ for rentals and I can see what he means, but there really is a thrill in a flip isn’t there.

However I have followed most of his recommendations.

  1. I have spent several years and many dollars getting educated. It is an ongoing process I have found but the initial grounding has stood me in good stead.
  2. I have made my plan as he recommends.  Phew got that right!
    I have a 4 year plan of investing and saving, at the end of which there should be enough invested to produce a good passive income for my retirement.
  3. And I do realise profit from real estate is a slow process. I have been already working my ‘plan’ for a while now.

real estate
However I decided, unlike McGillivray to not become a full on landlord.
I don’t know about you but I am not of the age that I want to dash around after workmen and rental people.
Instead I use people to do that for me.
I am still a landlord, of sorts, because I have a part investment in some ‘buy and hold’ properties but, and this is the important part for me, without any of the hassles involved in finding and looking after an investment property.

Also, I do like to flip with some of my money!

I find flipping so satisfying.
I suppose it could just mean that I’m impatient or short on staying power but whatever it is I enjoy choosing what to invest in then waiting for the flip within a few months and BINGO my money is returned with a nice profit attached.

I am on track to some good retirement income and loving every minute, are you?

Go well till the next time


Did you see that Business Opportunity?

What a catchup we had!

I don’t know about you but generally at the end of a year we tend to spend a fair bit of time with gatherings of people. It is a favourite time of year for me as it’s such a good catchup time with friends and family that I do not necessarily see on a daily basis. This time it was with an Aunt and cousin and family who I haven’t seen for so long. What a catchup we had!

Anyway during all the catching up did you casually brush off some friend or family member as being daft because they were setting up a new business or starting a network marketing venture or hoping to earn a living off the Internet?
You see if you are like most of us when someone starts talking about something

  1. They are passionate about and
  2. Or we have little knowledge about,
    we tend to brush them off.

Why do we do this?

Right at this moment, It’s a time when there are way too many people out of work or earning too little for their family needs or starting a retirement with insufficient funds.
Surely we should be encouraging any form of initiative with interest and constructive criticism if any at all!
Surely we should be asking questions to understand whether or not this business idea could possibly be beneficial to us or someone else who could do with a helping hand to getting some income.

I remember the first time I saw a business idea in network marketing…The friend had already decided that it wasn’t for me but what she didn’t know about me was that I actually had a huge interest in the product and a great need for an income as my husband had just been made redundant! I was quizzing her avidly and to this day am very pleased I did as not only did I get to work with an incredible product but it left me with a knowledge of how a good network marketing business works which meant that I was receptive to other business opportunities. Some I only join to use the products like Prime 1 which was recommended to us by the Cancer Association to help my family through my son’s  cancer – we all still take it to this day!
Others I join to actually do the business as well as to using product like with Flipping 4 Profit

I have read a ton of stuff on network marketing bad but mainly good and it remains my preferred way to buy goods if I like the product. Robert Laura wrote a brilliant article

Would You Join A Multi-Level Marketing Company For Retirement Income? in which he says:

“.. there is a seemingly endless debate over whether these companies and programs are legitimate business opportunities or not, so I dug in and got the real scoop. As a result, I believe that the entire industry is poised for explosive growth and can be one of the most significant solutions to America’s current retirement savings crisis.”

There are so many things we can do to help ourselves independent of any corporate.
Lets all be a little more receptive to new ideas, who knows how profitable they could be for us!


Go well till the next time