The Greatest Financial Gift You Can Give to Your Children

The Greatest Financial Gift You Can Give to Your Children

By Tom Dyson, publisher, The Palm Beach Letter

I wrote this essay for your children and grandchildren.
You’ve probably heard about America’s huge debt load. The U.S. government’s financial obligations now exceed $663,000 per American family. This burden will fall on the youngest Americans.
It’s unethical. It’s unfortunate. But it’s the reality.
With this giant financial obligation bearing down on them, it’s critical that now – right now – your children and grandchildren learn about money and finance. They need to know the basic principles… like how to be independent, why debt is dangerous, and how to grow money.
They don’t teach finance in schools. If you don’t teach them this knowledge, no one will. They call this financial illiteracy.
If our children are financially illiterate, they have as much chance of survival as a swordsman in a gunfight. There will be no mercy for the financially illiterate in the future. It’s likely these people will live as indentured servants to the government and its creditors.
But if our kids have a grasp of finance and its basics – and they obey its laws – they will grow up rich. They will be in a position to help other Americans, too.
Below, you’ll find the three vital financial concepts all children need to understand. Please pass them on to your children and grandchildren as soon as you can. I have three young children… And these three concepts are my starting point for their financial education.
First of all, our kids must know that they are not entitled to money or wealth… or anything for that matter, even Christmas presents. They must earn money. I want my children to learn that they shouldn’t expect anything to be handed to them. I don’t want them to rely on the government for their livelihood, like many people do right now.
So many people treat money and prosperity as an entitlement. The government even calls its welfare programs "entitlements." This word – and what it represents – gets stamped into young people’s brains. Kids act as if they are somehow entitled to toys, video games, and cars. But why should they be? Just because they have parents, it doesn’t mean they should get everything they want… or anything at all, for that matter.
I plan to regularly remind my children of this when they are old enough to understand it. And I’m not going to pay my kids an allowance. An allowance would reinforce the sense of entitlement. They can make money by earning it: doing the dishes, making their beds, mowing the lawn… there are a million things. My wife and I will pay them for doing those things. But I’m not going to just give them money.
The second concept our children need to understand is debt. Debt is expensive. If you abuse it, it will destroy you. Like the entitlement mentality, debt is an enslaver. It robs you of your independence. I avoid debt in my personal life… and when I’m choosing investments.
The best way to illustrate the cost of debt is to calculate the total amount of interest the debt generates in dollars over the lifetime of the loan, instead of looking at the interest rate (like most people do). Once you look at it like that, you can see how expensive borrowing money really is.
For example, say you borrow $100,000 with a 30-year mortgage at 7%. Over 30 years, you’ll end up paying $140,000 in interest to the bank. In the end, you’re out $240,000 for a house that cost less than half that. Not a good deal.
The third thing our kids need to learn is the power of compound interest and the best way to harness it.
Compound interest is the most powerful force in finance. It is the force behind almost every fortune. The brilliant Richard Russell calls compound interest "The Royal Road to Riches." And it’s mathematically guaranteed.
Let’s say, for example, you have $100 earning 10% annual interest. At the end of a year, you’ll have $110. During the second year, you’ll earn interest on $110 instead of $100. In the third year, you’ll earn interest on $121… and so on. This is the power of compound interest. The numbers get enormous over time, simply because you’re earning interest on your interest.
Because time is the most important element in compounding, it’s an incredibly powerful idea for children to understand. They have the ultimate edge in the market: the time to compound over decades.
The stock market is the best place to earn compound interest. You buy companies that have 50 years or more of rising dividend payments ahead of them. Then you let the mathematics work.
As soon as my kids are old enough to understand some arithmetic, I am going to sit down with the classic compounding tables and show them which stocks they have to buy. I’ll use Coca-Cola, Johnson & Johnson, and Philip Morris as examples.
Another very safe place to save and compound your money is our "Income for Life" strategy. It involves using a uniquely designed, dividend-paying, whole life insurance policy from a mutual life insurance company. This type of policy is one of America’s best-kept and most misunderstood secrets.
After that, assuming they have the discipline to follow through, they will get rich. There’s no doubt about it.
In sum, you have the responsibility to educate your kin about finance. If you don’t, no one else will, and they will suffer for it.
Encourage them to work hard and avoid the entitlement mentality. Teach them the power of compound interest and explain the dangers of debt.
If you do this, you will equip your kids and grandkids to survive financially in the difficult circumstances ahead. You’ll provide them with something that nobody can place a price on: the power of independence.


> Marketing Review,Training — Wes @ 2:15 pm

October 23, 2013

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May 16, 2012

Small Business Tip of the Day: Getting Clear On Risk

Hey Fellow Small Business Entrepreneur,

Today I want to follow up on a topic that paralyzes many entrepreneurs.
One that can stop your progress in its tracks. Freeze you when you need to make a decision. Ultimately lead you down a path that takes you where you never intended to go.

It’s something we all have to face. Everyone of us.
And if we don’t have a clear understanding of it, it can lead to disaster in anything you do.

I’m talking about risk.

There’s no getting around it, risk is present in everything we do.
But if you clearly understand what the payoffs of the risks you are taking are, then you have a much greater chance of overcoming those risks and achieving the exact goals you are after.

Today I want to share a few thoughts on risk and how to overcome any reluctance you may have to face it. It will not only make you a better entrepreneur, it will improve your life on every level.
So let’s get going.

To higher profits and beyond,

    Getting Clear On Risk

    By Rich Schefren

    Today I want to talk a little bit about "why?" About why you’re looking to build the business you want to build.
    You should be building a business because of what it allows you to do on a daily basis.
    If what you have to do on a daily basis, is not what you want to do, then you’re trading your life away. You sacrifice your present for some possibility in the future which, more often than not, never materializes. When you work this way, things don’t change. Only you do.
    That’s why I think that so many entrepreneurs get it all wrong in the beginning. Because they’re trying to build something that doesn’t excite them; that doesn’t get their juices flowing. And because of that, they suffer from a couple of negative effects.
    They’re slow to move into action. They don’t constantly think about their business and faster ways to get the outcome they’re after. And most important, they’re not willing to risk for that dream.

    That Idea of Risk Is An Important One

    When I’m talking about risk, I’m not talking about "risking" for an outcome. I’m talking about a risk that will allow you to live your dream on a daily basis.
    There’s always going to be risk in anything you undertake. The overwhelmingly majority of entrepreneurs who succeed the have tasted failure. They’ve had major setbacks. But they persist in their dreams, because they understand what the payoff of their risk is.
    I believe too many people try to make the entrepreneurial journey risk-free. And that’s just not possible.
    I think most, if not all of you who are reading this realize that. You realize that nobody can hand you a business on a silver platter. That a successful business is something you have to build. And ideally, it should be something that you enjoy building. And ideally, as you’re building it, you should also be richly rewarded while you provide value to the world.
    I’m bringing all of this up for anyone who is not making the progress that they’d like. If you’re not, it’s time to take a step back and look at where you might be falling down.
    Specifically, where does your fear of risk come from? Is it from a lack of clarity of your outcome? Maybe you haven’t thought through all of the shortcuts? Are you just not getting into action?
    Ultimately, once you know what it is, you have to work through what it’s going to take for it to change?

    Facing Risk On Your Own Terms

    You see, these are the kinds of things I do on a very frequent basis in my journal. My fear is that for many of you listening, you don’t take the time to really think things through to figure out where your sticking point is right now and what you need to do to change it.
    I’ve been going through a bunch of papers, kind of cleaning out my home office, and I came across an index card where I wrote down a note. It doesn’t really mean much in the grand scheme of things, but I think it very much applies to kind of what we’re talking about here. Here’s what I wrote on the note:
    It says, "what do I want?" The next question is "how do I need to be perceived to get what a want?" And finally, "how do I create that perception?"
    Now I have no idea if I was helping someone think through their positioning or what this note was dealing with. But what I can tell you is that these would be questions that I would be considering if I was going into a new niche; if I was releasing a new product, etc.
    And they are the questions you should be asking and answering on a continual basis.
    My fear is that each of you discounts your own experience and your own ability to think in an effort to learn from others. Of course, learning from others is a great thing. But if you’re not learning from yourself through the thinking process, then ultimately you’re not growing. If you’re not growing that’s obviously problematic.

    I’ll Leave You With One Last Thought

    There’s a lot of talking about living in the moment; about being present. You could also say that another way of saying that is living consciously – the ability to be aware of your environment, yourself, your thoughts, your feelings, etc. And as a marketer and as an entrepreneur, the more that you can live in the moment, the more that you can be conscious, the more that you can focus your attention on others, then focus internally, then on others, then internally – the greater your ability is to affect change not only in yourself but in others around you as well.
    Ultimately you have to embrace the risk of reality. You have to embrace responsibility and you have to embrace living consciously if you’re going to be a successful entrepreneur.

    Questions or Comments on this issue?
    Click here to send them to Rich!


    In today’s World of Technology, Small business absolutely has to have a web presence! Without it, you lose more than half the business you could have.

    But, just having a website doesn’t mean that the customers are going to be able to find you when they look for businesses of your kind on the net. Unless they know your name and domain address already, you need to be on the first couple of pages in the search engines (First page is best) and business listings.

    So, if you want to learn how to get your business found, call or eMail me now.

    I have just a few openings for new trainee’s.

    Let me show you how to be the one they find and the one they come to for local expertise in your field.


    (877) 751-6368 (Toll Free US)

    March 1, 2012

    Small Business Tip of the Day: The Refreshing Truth About Technology and Making Money

    The Refreshing Truth About Technology and Making Money
    By Joshua Boswell

    Social media. Mobile media. Trip wire marketing. Email Campaigns. Search Engine Optimization. Shopping Carts. E-commerce. Hosting. Servers. Tablets. Smartphones. Digital Delivery. Java. HTML5.

    I could go on for hours, listing all the different, complicated technologies and devices that so many Internet marketing experts tell us we "must have" to make money online.

    But, the reality is … neither you or I are going to be able to conquer and stay endlessly current with the latest, hottest, most amazing stuff out there.

    This fact has really bothered me. And, in listening to many Carefree Entrepreneur subscribers, it really bothers you as well.

    How can you and I possibly make money online, if we can’t keep up with all the new stuff? And, not only that… how do we know who to believe… what’s real… and what’s just the latest passing fad?

    I decided to turn to my mentor and good friend Mark Ford (you’ll know him by his pen name, Michael Masterson) and get his opinion on the matter.

    I think his insights will be extremely valuable to you. Actually, he shared these with me and the entire Carefree and AWAI leadership team. Katie Yeakle responded back stating plainly … "This is a Master’s course in Business."

    And, indeed it is.

    Here are his profitable and powerful insights …

    90% of the Internet marketing industry is a joke. It’s based on a myth. The myth is that employing technological gimmicks can make you rich. This is not true, but it continues to be sold by so-called "Internet Marketing Experts" – and bought by unsuspecting would-be online entrepreneurs.

    The unfortunate reality is that 90% of Internet marketing experts are frauds. They are frauds because they only make money by selling this myth – not by selling legitimate business tools or ideas.

    So, how can they get away with it? Because they know technology. And these guys know technologies because they are fundamentally nerds … technology nerds.

    Over the last 10 to 12 years, while the Internet was changing the landscape of business, many of these nerds made a lot of money by exploiting their knowledge of specific Internet technologies.

    But, most of them never learned anything important about business. They never learned the truth about sound business practices. And now, as technology has advanced to the point where these technologies are more user-friendly, these people – who were really nothing more than over-paid technical consultants who were giving advice about topics they knew nothing about – i.e., business – have become less and less useful.

    Plus, as the market becomes more competitive, they are becoming less and less capable of acquiring new customers (people who foolishly believe in the myth of technology). And, that means we will soon be rid of them … which is a good thing.

    Here’s the truth:

    You can’t develop a real business by learning or applying gimmicks.

    There is one thing that every entrepreneur needs to learn, and it is not optional …

    It is 1,000 times more important than any one of these gimmicks.

    If you have it, you can build empires.

    Without it, expertise in 20 of these gimmicks will get you nothing.

    What is it? The one thing you need to master is the Optimal Selling Strategy (OSS) for your business.

    I believe that for every business, at any given time, there is one best way to acquire new customers. How you sell your product, service, or ideas – the specific decisions you make about presenting and pricing and talking about it – has a huge impact on whether you will be successful.

    To take a business from zero to a million dollars (and beyond), you have to discover and implement your Optimal Selling Strategy.

    When you have this, nobody can fool you with cockamamie marketing strategies or hollow technology gimmicks.

    Rich Schefren – founder of Strategic Profits – is a tech nerd who actually understands business. He put it this way: "You have to learn the ‘what’ before the ‘how.’ People always ask me things like, ‘How do I do PPC? How do I do SEO?’ But, they don’t know WHAT – What are you going to sell? You need to know that first."

    Mike Palmer – one of the world’s leading copywriters and sales strategists – put it this way: "Sales copy is king. Everything else is just gimmicks."

    If you can learn and consistently implement your OSS, you can hire people to implement the rest. You can – and should – hire out all the technology.

    I completely agree with Mark’s assessment.

    I promised to show you how you can be "Techno-Smart … When You’re Not" and this is it.

    The reality is that you – as the entrepreneur – don’t need to be caught up in the latest stuff. What you need to do is discover your Optimal Selling Strategy and then implement it.

    Are there specific technologies you should be using? Yes, but only if and when you clearly see how they fit into your OSS.

    In his book, Ready, Fire, Aim: Zero to $100 Million in No Time Flat, Mark outlines "Four Secrets of the Optimal Selling Strategy." This past week, during my webinar Converting Your Skills and Experience into Wealth, I talked about each of these four secrets.

    Over the course of the next few weeks, we are going to give each area a focused analysis so you can be fully empowered to begin discovering your Optimal Selling Strategy.


    Brought to you by: Spiders Marketing Web – Where Small Business Comes to Learn How to Use the Internet for Local Social Marketing.

    > Internet Marketing,Training — Wes @ 10:19 am

    February 29, 2012

    Small Business Tip of the Day: How To Tap Into Your Inner Business Genius

    How To Tap Into Your Inner Business Genius

    By Rich Schefren

    Today I’m going to show you a simple yet incredibly effective thinking tool. Actually, I like to think of it more as a game.
    I was first introduced to this technique by Nathaniel Branden, a protégé of famed author Ayn Rand.
    It only takes a few minutes to "play," but it will help you generate amazing ideas to solve problems, seize opportunities, and gain greater insight.
    They’re called "Sentence Stems."
    A sentence stem is a partially complete sentence. It contains your desired outcome… but leaves blank your method for achieving it. Here are three examples…
    "I’d be more productive today if I…."
    "I could conquer procrastination by…"
    "Eating healthier would be easier if I…"
    The concept is incredibly simple, but sentence stems can be extremely effective in helping you improve your performance and accomplish your goals.

    The Rules of the Game…

    You start with a sentence stem. The sentence stem should be based on the problem you want to solve, an area you want to improve, a goal you want to achieve, or anything else you might want to use this process for.
    Every day for a full week, write 6 to 10 different endings to the sentence stem.
    At the end of the week, review all your answers, select the best ones, and get rid of the rest. Prioritize the answers that are immediately actionable and begin taking action on them. Create your next sentence stem from the answers that need further exploring.
    You need to adhere to a few rules in order to make this technique as effective as possible.
    1) Do not look at what you’ve written previously before writing. You’ll review all your answers when you are done for the week. This way you don’t allow previous answers to guide your new answers.
    2) Write your endings as quickly as possible – the first thing that comes to mind. Don’t worry about spelling. Don’t worry whether your sentence makes sense. This helps bypass your conscious mind and tap into the awesome awareness of your subconscious mind.
    3) Strive to make each answer unique. In other words, don’t use the same ending twice.
    4) Ideally you should do this exercise in the morning, and for at least seven days. For maximum results, complete it every day for 14 days.
    When you’ve completed this exercise for the number of days you decided on, have a look at everything you have written. Naturally there will be some repetitions from day to day, but there will also be many new endings.
    Take all your unique endings and consolidate them. Look through them and see if they trigger any additional ideas. If so, record them as well. Then look over your entire list of answers and decide what action you’re going to take. It might be just one of the ideas… or a combination of several.
    If you’re unsure, you can repeat the process to gain greater clarity on your next move. You’d then use stems like: "If anything on my list is true, then it might be helpful if I…" or "I can use this list in my life by…" Then see what develops. (Find out where to get more cool thinking tools that will give you greater success and more freedom here.)

    Let’s Walk Through An Example

    Situation: Let’s say you’ve got to work on an important presentation that’s a month away. You’re stressed and a little overwhelmed with all the work you need to do. But you don’t want to do what you’ve done in the past, which is to wait until the last moment to prepare. So you decide to use sentence stems to help you move into action.
    Sentence Stem: It would be easy to work on my presentation if…
    Initial Answers:
    …I didn’t watch any TV until I worked on my presentation for at least an hour.
    …I started with the section that was easiest for me.
    …I laid out everything I needed to work on the night before.
    …I did a free-writing exercise pretending I was doing the presentation and writing the transcript.
    …I doodled and diagrammed the presentation in my journal.
    …I called a friend, recorded the conversation, and talked about what I wanted to present.
    …I created an outline of the presentation.
    …I assembled the images I wanted to use in my slides.
    …I opened PowerPoint and simply started writing.
    …I recorded myself giving an impromptu presentation.
    And so on…
    I guarantee that if you did this for an entire week, before the week was even over you’d have already started working on your presentation. That’s the power of sentence stems. They help you tap into your subconscious mind and brainstorm solutions… and at the same time, they bring important priorities into your conscious mind.

    But That’s Not All That Sentence Stems Can Do For You

    You can also use them to get greater clarity on important issues in your life. Here’s an example from my journal from about eight years ago…
    Sentence stems from my journal
    You’ll notice I also listed my top 10 goals at the top. I do this quite often in my journal. I’ll write my top 10 goals from memory to make sure I remain conscious of them throughout the day.
    As you can see, I was doing important self-development work with these sentence stems. I was reflecting on what (1) independence, (2) thinking for myself, and (3) trusting my own mind meant to me.
    So you can appreciate how easy this is… and understand the impact it can have on your life… take a moment now to create your first stems.
    1. Think through a challenge you are currently experiencing.
    2. Construct your sentence stem with the outcome you desire.
    3. Write down six endings to the stem.
    See how easy that was?
    To keep it up, follow the directions I laid out for you. And watch the magic happen!

    Questions or Comments on this issue?
    Click here to send them to Rich!


    Got a small business?

    We know how to get you to the top in a hurry. We are looking to help 3 or 4 small businesses with their online presence. If you want to know more about how we can help, let Wes know and we’ll show you just what it takes to succeed in your local area.

    Check out and and see what we did for them.


    > Internet Marketing,Training — Wes @ 9:18 am

    February 28, 2012

    Home Business Tip of the Day: What’s Still Working Dec 2011

    The Internet changes fast. Very fast.

    Business models that are having success one day can be gone the next.

    So let’s talk about what’s still working as of December 2011…


    Ebooks, How-To videos, membership sites. Whether it’s teaching someone how to learn karate, build their own organic garden, or trade the Forex markets, people will always be willing to pay for information — especially if it saves them the time to try and find it themselves and/or presents the information in a unique way.

    The “Publishing” industry has been around for a very long time, and it’s not going anywhere anytime soon. It will simply evolve.

    We’re seeing a major ‘shift’ away from physical infoproducts (DVDs, printed manuals, etc.) and more products moving towards ALL DIGITAL — downloadable PDF reports, online streaming videos, and MP3 audio files.

    In the world of “instant gratification” the digital-delivery model solves that urge and provides lower costs for the business owner selling information products, since there is practically zero cost of goods in providing downloadable products; aside from any server bandwidth costs which are incredibly cheap.

    The entire book industry is also going through a major shift with what Amazon is doing with the Kindle. More people are buying and downloading ebook copies of real books than ever, and this trend is only going to continue its explosive growth.

    A powerful element of building a business around infoproducts is that it can be outsourced and you can simply hire someone else to not only write an ebook or special reports for you, but even to shoot video content.


    Our entire world now runs on software. There are many opportunities to develop software for a variety of niche markets and needs.

    We’re now seeing software in different formats (all of them are having degrees of success)…

    • Mac or PC desktop software

    • Web-based applications

    • Mobile & Tablet applications

    Software fortunes are being built every year by entrepreneurs that cannot program a single line of code. So it’s another great business model that can be outsourced.

    A software business essentially has TWO primary roles…

    • Programmer

    • Designer

    User Interface design is critical for success today. A good looking, user-friendly piece of software will often out-sell a more complicated, more robust competing piece of software.


    This is what I used to call “virtual real estate” sites. These are web sites that are created to targeted certain keywords and niches and usually contain product reviews and articles.

    These sites are monetized from AdSense, affiliate programs, and other advertising.

    Since “content” is what the Internet is made up of, this model will always be around in one form or another. And it’s not just for “the little guy.”

    Massive companies like Demand Media, AOL, Huffington Post, and many others are essentially a content-only web site network. They’re just making MILLIONS from it while most small entrepreneurs are generating thousands.

    Another business that can be completely outsourced and SCALED.


    Ecommerce is still thriving if not continuing to grow. Lots of opportunities to sell REAL products to people across a wide range of niche markets.

    There are, however, many product categories that are being commodotized with lower and lower prices (and margins). So you’ll want to pick a market that has a higher margins and the products aren’t necessarily readily available at every Wal Mart and Target in the world; or you might have a hard time generating much revenue. has created some amazing opportunities for ecommerce store owners. Did you know you can now not only list your products for sale within Amazon’s web site but they will store and ship your products AND collect payments and everything?

    Lots of ecommerce store owners are having great success by having Amazon handle everything — they just focus on marketing and have their inventory shipped to Amazon’s warehouses. Amazon even handles customer support!

    Definitely something you might want to look into.


    This is an area that’s often overlooked, yet can be a GOLDMINE for those willing to venture into this area.

    There are millions of businesses that need a certain set of services…

    • Content Writing

    • Graphic Design; logos or web sites

    • Programming

    • Market Research

    • Data Entry

    • Accounting

    • SEO & PPC Management

    • Lead Generation & Cold-Calling

    • Social Media Management

    • Customer Support

    • And much more

    There are companies out there making MILLIONS just by offer PPC Management services to other businesses. They manage campaigns and doing the keyword research for other businesses and take a percentage of everything they spend in AdWords. That alone is a great business that’s only going to get bigger.

    The beauty of a Professional Services business is that almost every skill that you would offer to other businesses can be outsourced. Meaning you would just market the services (and you could even have others do that too) while others do the actual work for the clients. This is a tried and true model that’s been around for a long time.


    There is still a lot of money to be made as an affiliate marketer, but for 99% of affiliates, you’re not going to build much of a business only focused on being an affiliate marketer — unless you build a huge network of Content sites.

    Affiliate marketing is a great source of income when combined with other business models — like information products, software, and professional services.


    There are obviously other business models that are still working, but the above ones are some of the biggest right now. Each one of those models continues to evolve but the core business is still the same.

    You’ll notice a repeating theme for many of those…

    I mentioned the model mostly runs on Outsourcing.

    I cannot stress enough how much you MUST master Outsourcing if you’re going to build a successful business online. I honestly believe it’s THE single greatest factor in building and growing a successful online business.

    LABOR has always been the critical component of leverage that has built fortunes. You show me a big successful company and I’ll show you one with 1,000s of employees.

    Now that doesn’t mean YOU need to hire 1,000s of employees but you need to have people doing work for you if you want to have a great level of success. And it’s not something that’s scary or anything. In fact, you can hire ONE person (I’ll show you exactly how) to be a “Team Leader” that can manage others; whether it’s to manage 3 other people or 300. You’ll just deal with that one Team Leader person.


    Step #1: Write a check.

    Step #2: Cash a larger check in return.

    THAT’S IT. That’s the ‘secret’ to all wealth building.

    There’s no better way to do that than to leverage the work of others. Write a small check for their work and get back a larger check for what their work made for your business.

    If you’re one of my customers or long-time subscribers that hasn’t yet gone through my “Outsource Force” course, you really NEED IT for your online business success.

    Once you complete the course you’ll be 100 TIMES ahead of your competitors online when it comes to Outsourcing. And it’s funny… so many marketers ‘think’ they know how to outsource… just by posting a job on eLance or oDesk or another site… well, that’s hardly Outsourcing.


    It’s not just about having a task done for you to save you some time or some other one-off project. And those freelance sites are often 2-3 TIMES more expensive to have work done than what it costs if you learn the secrets of how to find workers that only want to work for you directly.

    How would you like to have BETTER, FASTER WORK done by 3 PEOPLE for the cost of ONE? That’s exactly what you can learn to do…

    And once you learn how to build and ‘run’ this scalable model you can take nearly ANY online business model and make it grow for you — Information Products, Software, Content Sites, Professional Services, Affiliate Marketing, and more.

    If you want to make 2012 your best year yet, I strongly challenge you to MASTER OUTSOURCING. See how much you can get done in the New Year by not actually doing the work yourself! You’ll be surprised how FAST your business can really start growing. That’s when it becomes a lot of FUN and really just lets you spend more time on coming up with new ideas.

    And let’s face it, that’s all we want to do anyway…

    …just come up with new ideas.

    Go get my “Outsource Force” complete course here:

    It will be the best investment you ever make in yourself and in ANY future business idea.

    Yours For Online Profits,

    John Reese


    Want in on the Ground Floor of What’s Working Now and in 2012 too?

    Click Here to learn how to get started today!

    Click and get started today, put real cash in your bank account tomorrow!

    > Internet Marketing,Training — Wes @ 2:53 pm

    December 6, 2011

    Home Business Tip of the Day: There is a way to make money during your travels, enough to cover your trip.

    Can You Take a Photo Like This One?
    By Jason Holland

    For most people, vacation is a time to spend money — usually more than they planned.

    But, there is a way to make money during your travels, enough to cover your trip. Without sacrificing any of the fun.

    Shelly Perry travels all over the world as a stock photographer, and one of her favorite places to visit is Paris. Each time she goes, she spends time in cafes, enjoys lavish meals, and always makes time for long walks through this beautiful and history-filled city.

    Like most tourists, she snaps pictures throughout her trip. But, instead of posting them to Facebook or showing them off to family and friends, she sells them to an online stock photo website when she gets home.

    But you don’t have to travel the world to sell your photos. Shelly takes photos and sells them when she’s back home, too. Stock agencies are looking for photos of just about every topic, setting, situation, and subject you can think of. Check out some of Shelly’s pictures below. They’ve all sold multiple times, but as you can see, they’re of a variety of subject matters.

    Stock photo sites are used by all sorts of individuals, publishers, and businesses to illustrate magazines, websites, corporate manuals, advertisements, picture frames, travel brochures, and more. They need pictures of people, objects, landscapes, and more. You’ve probably seen a dozen today without realizing it.

    More than six million photographs are published every year in the U.S. print media alone. That’s more than 16,000 per day. And, more than 40,000 photos are published a day worldwide. That’s not even counting all the photos online. A huge number of those are stock photos. And sooner than you think, the photos being published could be yours.

    While it was easier to break into these online agencies a few years ago, there’s still a lot of money to be made today — a couple of thousand a month once you get in the groove. It could be a fun side income for you as you build your primary Carefree Business.

    What’s more, you have basically all the tools you need already to make this little freelance gig work for you if you already have a camera. And if you don’t, there are lots of websites online where you can buy used equipment for just a couple hundred dollars — money you can earn back through the sale of your photographs.

    The key is in learning how to work the system — what kinds of images are selling best, and how you can create them with your camera.

    The Kinds of Photos that Sell Best

    There are hundreds of different in-demand categories of stock photos.

    You can make money by taking photos on your next vacation … in your backyard … of friends and family … in your city or town … in the park down the street … out in nature while on a hike … the zoo … during the holidays … of hobbies … at festivals and sporting events … the beach … the mountains … wildlife … in your office … the list goes on.

    Shelly Perry, the stock photographer I mentioned earlier, has three specific recommendations for saleable stock photos. These are a great place for you to get started:

    1. Farmer’s Markets
      “Farmer’s markets are teeming with stock shot opportunities … from the repeating patterns and colors of seasonal fruits and vegetables to signs scrawled in chalk and people picking out their wares.”
    2. Your Hotel
      “I’ve sold photos of curtains, tassels, pillows, and more. One photo of a front desk bell has sold 1,021 times on”
    3. Textures and Patterns
      “People like to buy photos of simple textures or patterns to use as backgrounds for their websites … fine art on their wall … and a myriad of other things. Keep an eye out for these: peeling paint, rusted metal, brick walls, cracks in the sidewalk, bark on a tree …”

    Of course, there are lots of other subjects you can shoot. For more, visit one of the popular online stock agencies and browse their list of topics.

    Shelly works with, but there are many other agencies. A simple Google search using the keyword “stock photos” will help you identify others.

    On iStock, it’s free to upload your pictures. And, it’s the perfect place for you to get started, too. Amateur photographers are welcome.

    A typical stock photo on these sites sells anywhere from $1 to $15, depending on what size photo the customer wants to purchase. And, the photographer gets a royalty based on sales.

    This may not sound like much. But, when you add up all the downloads (there is no limit on how many times a picture can be sold and downloaded). Popular photos can sell hundreds or thousands of times.

    In general, stock photographers earn an average of $1 per image per month from their portfolios. Upload just 10 photos per week and this time next year, your royalties should amount to over $500 a month in spare cash — an extra $6,000 a year of passive income.

    Commit to uploading twice that amount, and your earnings will be an extra $12,000 a year. Money you can put towards a new car, a mortgage payment, multiple vacations, and more.

    Get Started Today

    Like I said earlier, it takes a little know-how to choose the right online stock photo agency, submit the kinds of photos they’re looking for, and earn you your first royalty check. But, there’s no reason you can’t start on your journey to becoming a stock photographer today. Why not give it a shot this weekend?

    1. Take a look through the photos already up for sale at to see the types of photos that are selling. Also check out magazines with a lot of photos. Look at the shots accompanying articles, as well as the ads. Look for common themes or subjects.
    2. Then, head out this weekend with your camera and … start practicing. Take a lot of photos! Multiple shots of the same subject. And, a lot of different subjects. You want to have a lot to go through when you get home — so you can figure out what you did right and why certain photos didn’t come out.

    And here’s an inside tip: Set your camera to shoot at the highest quality, largest size possible — a must for profitable stock photos.

    Good luck and good shooting!

    Editor’s Note: You don’t need an elaborate set up or professional experience to make this opportunity work. But, learning the tricks of the trade from experienced pros will give you a leg up when you’re ready to submit your photos to stock sites.

    The “Lazy Man’s Approach” is a method designed to help stock photographers just starting out to work less, and make more.

    With The Lazy Man’s Guide to Stock Photography, you’ll learn how to take good photos that don’t require a lot of effort. Plus, it shows you how to let stock agencies sell them for you — so you have more free time on your hands.

    It won’t make you the greatest stock photographer of all time, mind you. But, it will get your stock photo career up and running fast. It will help you take shots like the simple photos above. It will show you how to create a portfolio packed with images that can make you money — in just a few short weeks.

    For a limited time only, The Lazy Man’s Guide to Stock Photography is available for free when you purchase the brand-new 4th edition of our photography program, Turn Your Pictures into Cash. In the guide, you’ll learn tricks for jump-starting your success in stock photography the lazy man’s way, like:

    1. Discover six microstock agencies you can get started in right away. Page 11.
    2. The same photo can sell for different prices on different websites. Since you’re earning a percentage of each sale, how can you ensure your photo sells for the highest price, rather than the lowest price offered? Learn the simple secret to this on page 26.
    3. Why NOW is the best time to jump into stock photography as a new (or inexperienced) photographer. Page 9.
    4. The #1 key ingredient EVERY stock photo must have no matter what you photograph. Use this winning ingredient and you’ll have a recipe for success. Page 12.

    There is a really cool video that lays out this opportunity and gives more details about both The Lazy Man’s Guide to Stock Photography, and Turn Your Pictures into Cash.

    Check it out — and find out how to order — here.

    For questions or requests: contact us online.

    Ready to Start Your Own Home Business and put extra cash in your checking account before the Holidays?

    You need to read this now:

    Full details on how to start today and have cash flowing into your account tomorrow is RIGHT HERE!

    > Internet Marketing,Training — Wes @ 8:14 am

    December 4, 2011

    Home Business Tip of the Day: Three Checks To Be Sure

    Hey Wes,
    In your last issue of One Step Ahead, I got on the topic of your personal communication. Of what it should be accomplishing every time you reach out to your prospects or clients. And how important it is to make sure they get the message.
    But how do you know if you’re succeeding? How do you know if your messages are hitting or missing your mark?
    Well I’ve got some good news for you today.
    There are some tell-tale signs you can look for that will give you those answers.
    Clues from your market that will tell you if your personal communication is resonating, or simply going in one ear and out the other.
    And I’ve got a couple tips for those of you just starting out can use as well.
    So let’s get started…
    To higher profits and beyond,

    Three Checks To Be Sure
    Your Communication Is Hitting Its Mark

    By Rich Schefren

    So we’re talking about your communication with your market this week. This is really an important and often misunderstood topic.
    You see, all of your communication must have a point, a purpose. To create a connection, to gain agreement with your perspective, to boost retention, to establish loyalty…
    Not just to produce content. (That’s what my latest Founders Club report is about – what your content needs to do to move a prospect closer to the sale.)
    So writing with one or more of these goals in mind begs the question…
    How do you know if right now your communication is achieving any or all of them? Let me give you a few ways that you can tell.

    How do you know when you’re doing it right?

    The first thing to notice is are you getting contacted by the marketplace? Do you get mail or emails from clients and prospects on any kind of a regular basis?
    And not just correspondence asking questions (or customer service calls!) But are you getting mail that talks to you? Let me tell you about some of mail I get.
    Whenever I talk about my dealing with ADD, I often get email, letters, sometimes boxes with gifts in them that have to do with my ADD. They’ll offer suggestions about what I can do to deal with it or relate what they’ve done to get over it that I should try. Personal things like that.
    In other words, when I mention that I have ADD, people on the other side of that communication who feel like I care about them… who feel connected to me… who feel as if there’s a relationship between us… care enough to send me an email, a letter, a gift and express their concern.
    So that’s one way of knowing your communication is hitting the target. Call it "personal fan mail." If you receive that kind of stuff, that lets you know you’re doing what I’m talking about here the right way.
    Another way to know you’re hitting your mark is when people start telling your stories or quoting you – and giving you credit.
    As an example of this, many of you might have heard Frank Kern say that, "launches are bonuses, not businesses." He says it pretty frequently and always gives me credit for saying it first.
    When people quote you, re-tell your stories, etc. – and especially if they give you credit (if they just take your story it’s not really that wonderful) – that also tells you that you’re resonating.
    Another way to know your communication is doing its job is if your market communicates with you telling you things that they’ve accomplished based on what you’ve told them.
    That may seem like they may just be showing it to you in order to seek some approval from you. I don’t mean this in a derogatory sense, but in the same kind of way my daughters might bring home something they painted or colored at school and want me to put up on the refrigerator door with a magnet.
    Like, "look what I did Rich based on what you taught me." It’s a pride of accomplishment they want to share. Often as a form of thanks for you helping them.
    So those are just some ways that you know that you’re on the right track.

    But what if you don’t have the big huge following yet?

    Now if you’re just starting out, it’s a little harder to tell. You’re not as likely to get a ton of fan mail from your market.
    But there are ways to gauge the impact you’re having, especially when you’re just starting out. One way is if you have a blog, to see how often people come back to read your posts? How often do they leave comments? Or you can check to see how many people are opening your emails, etc.?
    The whole purpose of communication is about getting your marketplace, your prospects, your clients, to pay attention to you. To listen to your advice and your information. To accept it and then to spread it.
    This is really important because understanding and getting clarity on your communication goals has to become before your positioning.
    And speaking of positioning, one of the most important ways to do that is through your personal story. Many entrepreneurs think business is about their products and the benefits they offer their prospects. That’s a mistake to think like that.
    And one of the best ways to connect with your market is through your personal story. It’s a powerful tool that can create lifetime relationships if you do it right.
    And that’s what we’re going to cover in your next issue…

    Questions or Comments on this issue?
    Click here to send them to Rich!

    Ready to Start Your Own Home Business and put extra cash in your checking account before the Holidays?

    You need to read this now:

    Full details on how to start today and have cash flowing into your account tomorrow is RIGHT HERE!

    > Internet Marketing,Training — Wes @ 9:18 pm

    November 29, 2011