Alternatives

I just had a conversation tonight regarding gas prices. My mentor mentioned that he and his wife just returned from a month in Europe. They said that when they returned to the US they could feel the tension with the economy being what it is and fuel prices skyrocketing out of this world. He also delivered some grim news. He said, in his opinion, this is no where near the top. He feels that gas prices will not stop rising until they hit around $6.50 per gallon. In Europe they toured one of the richest oil countries around and they were paying $10 per gallon. And this is a country that produces it's own fuel.

Pretty grim. So it's no longer a situation about where the prices will stop, but rather what are you going to do to improve your income $400-$450 a month so that you can manage it. What are you going to do to manage it? Mmmmm.....good question.

One solution. Invest in your own home based business. Sleep deprivation is a huge issue in society. So most likely if you are like most American's taking a second or in some cases a third job may seem overwhelming. Looking at what fits into your life at the moment seems logical and most of us talk, right? We talk at work. We talk to our friends and we talk to our family. Well, why not talk to them about something that could be beneficial for everyone. And while your at it, why not talk about NIKKEN.

What astounded me when I got involved with NIKKEN and I started talking about it, I haven't had one person tell me a single negative thing about the company. The 33 year established business has such a well earned reputation that maybe not everyone wants to be a business builder with you, but they will be pleased with the products. Seems people I talk to have a) not heard of it before or b) oh yeah, their mom has used it and loves it or something similar.

It's time to look at home based businesses as a serious means of supplemental income. Rising costs of fuel and groceries will not go down soon. Therefore, it is imperative that we find additional means of bridging the gap. What are you going to do the make up the financial difference of $450 a month? What if it could be even more?

In network marketing, you definitely reap what you sow. You get out of it what you want to put into it and if you want to do it part time or full time, you can't go wrong as long as you move forward.

Personally, I'm looking for business builders. However many hours you can contribute, I want you on my team. I want to build you up, because that is how you win at this game, by helping others and I want us both to benefit from the knowledge of an amazing upline and sidelines to make a difference not only in our financial well being but in our health as well. More and more we hear about stress effecting our health and how it is a leader in health issues in this country. Give me a call or drop me an e if you are looking for a way out of financial worries and way in to a healthier more financially stable life. I'm standing by. Christy.Barber@hotmail.com or 541.786.1613.

Falling Behind in Your House Payment? Lisa Page Can Help!

This time of year it's easy to get there! October is slower for business. Kids need school things. It's easy to fall behind just a little in your mortgage payment. Then a little more. Before it gets out of hand, meet my friend Lisa Page. Lisa Page is a mitigator for US Loss Mitigation and Stop Foreclosures Assistance. Lisa is a kind and wonderful person who wants to help you save your home. Here's her story.

LISA PAGE ASSISTS HOME OWNERS

With foreclosures at an all time high, interest rates gone through the ceiling and government supposedly unable to do anything about it, many homeowners are in dire straits trying to make ends meet and stay financial ahead of the home mortgage game.

According to FT.com, housing foreclosures doubled in September with 223,538, a 99% increased compared to a year ago. Adding that mortgage banks have stated an increase of late mortgage payments, the online magazine is citing that this housing trend is nowhere near an end.

The impact this trend has had nationwide has reflected in a depressed economy as well as large corporate businesses such as Countrywide Home Loans to reduce the number of employees creating a depressed job market as well.

According to Lisa Page of US Loss Mitigation and Stop Forclosure Assistance, this does not have to be the case. “Sometimes it means just having someone help you get current again without having to acquire huge late fees and interest to get back on track”, says Page. “Often a homeowner can bring their payments current with the equivalent of one payment versus what’s now due, past due with late fees and interest”.

“There are ways we can help a homeowner get their mortgage problem solved often in as little as 30 days”, she says. Page’s company allows a homeowner to work within their current mortgage bank and prevents a homeowner from being faced with some unpleasant alternatives such as having to sell, rent or lease the property or having to borrow money. “Often that places a homeowner in a difficult financial situation when they may already be struggling”.

Accredited by the Better Business Bureau, US Loss Mitigation and Stop Forclosure Assistance offers free consultation and no application fees. “We also have a 98% success rate”, adds Page. “We are designed to assist you in getting current with your payment, retain your home and see what we can do to save your credit standing.”

Page is afraid that people don’t know that this type of assistance is out there. “I met a lady the other day who said she could have kept her home had she known this was an options”, says Page. Page also emphasizes that the time to contact her is before a home goes into foreclosure. “If you start to get behind 30-60 days, that’s when you need to call me”, she says. Waiting longer may not provide Page’s company the time it needs to reverse the situation.

For more information on Lisa Page and how she can be of assistance to you, please visit www.USLossMitigation.com/lpage, www.StopForclosureAssistance.com/LisaMariePage or call 541.962.0997.

How Is Your Retirement Coming Along?

Do you know that only 20% of Baby Boomers have any type of savings account? That means that 80% in this critical age have NOTHING in savings. That is a very scary statistic. What about retirement plans? I know that at 43 and the very small amount I put each month into a IRA, my financial advisor has told me that I am ahead of the game compared to most. Frightening. And I thought I was so far behind! Bankruptcy laws have now changed as well. Did you know that if you file bankruptcy that it will not solve medical debt? This a new development from good ol' G. Dub. Medical debt is one of the leading reasons that our national files bankruptcy in the first place. Am I making your day so far?

My question to you is "What are you going to do about taking care of your financial resources?"

If you think Social Security will be around to take care of you in your retirement, you are wrong. If you think that $25 a month in an IRA or 401K is going to take care of you, you are wrong. And yet we live paycheck to paycheck. Where will the extra come from? I'll tell you where. The home based business that you will start this year.

That's right. You will start a home based business this year. You will find a product that excites you with a reputable company, preferably the #1 company, with a record of longevity and products that you can feel good about and believe in. You will dedicate 2 hours a week to this business to begin with. More if you have the time. You will learn how to write off home expenses and save $3,000 to $9,000 on your taxes. You will take what you earn and place it in a tax credited IRA or 401K. Your financial consultant can tell you what is best for you.

You will capitalize in the power of 2. You will talk to 2 people a day. You will help 2 people get started in what you do. You will help them find 2 people to do the same. That's it. That is the formula to improve your financial situation. It can really be that simple.

You will begin to enjoy the freedom of less worries for your future. You will begin to see that you control your income, not your employer. You will begin to see that your financial capabilities are in your own hands and not your employers. You will see that you can make a terrific income, worry less, enjoy your family more and it's all in your control. The future begins today. Are you ready to start?

It's Not Too Late!

I have a CD in my car that a friend loaned to me. It's David Bach, renowned author, discussing a plan for wherever you are in life to change your life and literally finish rich. I have listened to it twice now. I believe that the first time you hear something like that you just scratch the surface. The second time it begins to penetrate and have meaning. Bach wrote "Start Late/Finish Rich". A book I plan on reading soon. He himself was a millionaire at age 30. A multimillionaire by 35. The thing that sticks the most for me in what he said is that we should pay ourselves first. If we look at our paychecks the first thing we notice is that the government has already taken it's share before we can take ours. Bach says we need to get in the habit of doing the same for ourselves. His suggestion? Take one hours worth of your wages a day and pay yourself first right into a tax deductable IRA or 401 K. He goes on to say that the growth that will produce will be very beneficial in the long run. Agreed. Tricky part? Where do you pull that money from if you live pay check to pay check as so many of us do. Ironically enough, my new marketing account is an investment banker. We found ourselves in a conversation today about how Social Security will not be there by the time us early to mid forty-somethings need it. The investment banker I met with today says there isn't enough there to take care of the baby boomers at this point. Bach's solution for extra funding? In home businesses. His statement was that if you can begin a home based business that provided just $500 a month in extra income to invest into your future that it would be well worth it. And in many cases with MLM's and home based businesses that $500 often turns into $1,000 in not a lot of time. Know where you want to be in five years. Know where you want to be in 10 years. And if you aren't there or on your way there, what you are doing is not working. It can work. If you are interested in knowing some important criteria for selecting a home based business, contact me. I'd be glad to share some unbiased information with you that might help you make a choice.