4th Trend: Baby Boomers Can’t Afford to Retire.

Recently I shared with you information from Jay Kubassek information about 4 global trends happening right now that are poised to help you create an Internet Lifestyle.Today I will continue sharing information from him and talk about the fourth trend…

4 million Baby Boomers a year are turning 50 and they will not be able to afford to
retire.

That’s a pretty scary statistic, isn’t it?

One can easily see a “boom” in 1946, when births went from 2.8 to 3.4 million. The end of the boom is not as clear, however. Perhaps that delineation was marked when annual births dropped below 4 million (1964).

“Every 7 Seconds” another Baby Boomer turns 50 – every 7 seconds.

Whew! Is that possible? Well, you don’t have to be a math major to check it out.

Let’s look at 50 years ago – 1959 – when 4,097,000 Boomers were born. Now, I suppose that some of them have not made it this far, so let’s round it down to 4,000,000. (That’s just my estimate, but it is close enough for my purposes here.)

So, a bit more than 4,000,000 will turn 50 in 2012 with over 20 million turning 50 over
the last five years alone.

Let’s see how that breaks down:
-per year: 4,000,000
-per day (4.0 mil / 365): 10,958
-per hour (10.6 k / 24): 456
-per minute (456 / 60): 7.1
- And 7.1 per minute amounts to one every 8.5 seconds.

If you use 1957 as your base number, when 4,300,000 million boomers were born, that’s
a heck of a number!

During the Baby Boomer years, 1946-1964 (inclusive), 75.8 million Americans were born. The ratio of males to females has stayed relatively constant.

There were approximately 1.05 male births for every one female birth.

The middle class and baby boomers are beginning to realize that corporations and governments will not be here to save them in the end.

If you are like most people, you are likely already affected by one, two, or even three
of these massive converging trends. At a minimum, you likely know someone who is
affected.

People cannot afford to retire. In March 2012 Canada increased the age of retirement
to 67.

Now… The good news.

These 4 trends are actually working toward a 5th, ‘Perfect Storm’ kind of trend.

One that you can capitalize on in the very near future.

More on that later!

Believe me, the future isn’t so bleak…

Info from Jay Kubassek shared with you by  Dr Jill, Senior Marketing Consultant


					

Headache Getting You Down?

The first thing to do is consider the cause:

Dehydration may show up as a headache, tiredness, light headedness, nausea or anxiety.  If you experience any of these symptoms, drink 1 to 2 glasses of pure water and notice if you feel better.

If you have not eaten for a while you could be having a low blood sugar headache.  Eat something, but not the candy bar!  Try orange juice and a few crackers – the sugar and other “good stuff” in the juice will pick up sugar level and the crackers will reduce potential of crash.  Notice if you feel better.

For more ideas on headache management check out this article from Healthy Woman Bottom Line ed: Tamara Eberlein

http://www.bottomlinepublications.com/content/article/health-a-healing/what-to-take-for-a-tension-headacheno-drugs-needed?utm_campaign=_BPr4YkB8i7KtA-

3rd Global Trend National Debt

Recently I shared with you information from Jay Kubassek information about 4 global trends happening right now that are poised to help you create an Internet Lifestyle.

Today I will continue sharing information from him and talk about the third trend…

The National Debt

The U.S. national debt is so bizarre that it is hard to know whether to laugh about it or cry about it. The following are some quick facts about the U.S. government’s massive debt problem that will wipe any smile from any politician’s face. – As of December 1st, 2009, the official debt of the United States government was approximately 12.1 trillion dollars.

- To pay this 12.1 trillion dollar debt would require approximately $40,000 from every single person living in the United States.

- Now the U.S. Congress has approved an increase in the U.S. government debt cap to 14.3 trillion dollars. To pay this increase off would require approximately $6,000 more from every man, woman and child in the United States.

- The U.S. government’s debt ceiling has been raised six times since the beginning of 2006.

So how hard is it to spend a trillion dollars?

If you spent one dollar every second, you would have spent a million dollars in twelve days. At that same rate, it would take you 32 years to spend a billion dollars. But it would take you more than 31,000 years to spend a trillion dollars. We could do the same kind of list for most of the world’s industrialized countries.

Here’s the thing though…

Millions and millions of people are beginning to wake up to the reality of this “transitioning economy.” Governments are going to be forced to cut expensive social programs. People are losing faith in governments.

I don’t mean to make the future seem bleak or anything. I want to wake you up though.

The rosy red pictures and happy words that you hear on the news are false. They’re the bad guys.

They want you to believe that the world is recovering and everything is fine… But it’s really not. Not at all.

Later, I’m going to talk about the last trend that’s going to have a dramatic effect on your life in the next 5 or so years… And after that, we’re going to talk about what you and I can do to fix it!

Info from Jay Kubassek shared with you by

Dr Jill, Senior Marketing Consultant

2nd Global Trend: Underemployment

Recently I shared with you information from Jay Kubassek information about 4 global trends happening right now that are poised to help you create an Internet Lifestyle.

Today I will continue sharing information from him and talk about the second trend…

FACT: The stock market is where it was 10 years ago with economists calling this the “lost decade”

FACT: 50% unemployment amongst college grads of the last four years with an average income of $40,000 for those lucky enough to have found a job.

FACT: Nearly 30% of Americans “under water” where they owe more than their home is worth.

FACT: Household income is back to where it was ten years ago.  [Some of us have income significantly less than 10 years ago.]

FACT: First time in our nation’s history people feel their children won’t have a better life than they did.

Crazy, huh?

People now understand that it will be the sweat, creativity and passion of entrepreneurs who will build the new businesses, create the wealth and save this country. [Remember not everyone lost everything during the Great Depression – many entrepreneurs started out and flourished at that time.]

Even top MBA grads are shunning Wall Street and Corporate Americas to do start-ups and here’s why:

- “Job Security” no longer exists. Corporate and government layoffs and downsizing will
continue given economic realities and people are losing patience

- Unemployment rate at 8%+ with not much hope in sight. The long-term unemployed face an even more difficult reality, people are losing patience

- An additional 20% are “underemployed”

According to a recent Gallup poll, 31% of Americans think underemployment is the nation’s most important problem!

Combine that with the current state of the economy (and that of the foreseeable future),
people are beginning to realize that the only thing they can count on is themselves.

The jobs are not coming back and anything and anyone that can be replaced with a computer or outsourced to India – will be.

There is light at the end of the tunnel though!  We’ve got to get through the last two trends first.  More on that later!

Info from Jay Kubassek shared with you by

Dr Jill, Senior Marketing Consultant

Warm Weather Outdoor Tip

I know I usually post business information, but the mosquitoes seem to be out and hungry early.  We all know by annoying experience that the little buggers make you itch and can carry disease.  Don’t be annoyed by stinging insects this summer and don’t worry about the chemicals either!  Since our skin is the largest organ in the body we need to be careful with it as ingredients in lotions are absorbed into the body.  There are several chemical free insect repellents.  Rub citronella geranium leaves or lemon grass on your skin.   Don’t like that smell?  Try mixing 1 part pure vanilla extract [not flavoring] with 1 part water – mix well and apply generously – you might make folks near you crave cupcakes but the bugs won’t sting.

1st of Four Global Trends – Economy & Employment

Recently I shared with you information from Jay Kubassek information about 4 global trends happening right now that are poised to help you create an Internet Lifestyle.

Today I will continue sharing information from him  and talk about the first trend…
The First Trend:

Massive long term shift towards buying online continues [15% Year-Over-Year-Increase in Online Spending]
Overall, 10 million people bought online on Cyber Monday, representing the first time
on record that threshold has been reached in a single day. The average online buyer
conducted 1.9 online transactions on Cyber Monday for a total of nearly
$125 in spending.

November 28, 2011 was a new record in online spending according to comscore.com, the
global leader in digital business analytics. In fact for the first time in 2011, there
were three consecutive days with over $1B in online spending. This is a whopping
year over year increase of 15%

ComScore.com, a leader in measuring the digital world, recently reported holiday season retail e-commerce spending for the 2011 holiday season, marking a 15-percent increase over 2010.

This includes November 28, (aka Cyber Monday,) which became the heaviest online spending day on record at $1.25 billion. Tuesday, November 29 reached $1.12 billion, while Wednesday, November 30 reached $1.03 billion.

These three billion dollar spending days currently rank as three of the four heaviest
online spending days in history.

The Result?

People are now perfectly comfortable buying their books, clothes, flowers, flights, and
everything in between online and there is no reason to believe this trend will slow down.

Online advertising projections, an indication of how much businesses are expected to spend is projected to increase 14.4 percent this year.

The trending info comes from eMarketer.com CEO Geoff Ramsey, a noted authority in the online space.

This surge of billions and billions of online spending being transferred from brick and
mortar stores to the net has created an incredible opportunity for online
businesses.

More on the next trend next time.
Dr Jill – Senior Marketing Consulting for
Jay Kubassek | Founder ProU

“Failure is the path of least persistence”

My favorite quote – Interpreted.

“Failure is the path of least persistence” The concept behind this has real meaning for me in my educational pursuits as well as when I started my online business.

Failure obviously is the opposite of success.  But success has many definitions and degrees of success.  Something that initially looks like a set-back or failure may actually be a door that closed for a purpose to open another onto a new horizon.  But the traditional definition of failure is that crushing depressed prevailing mood of “I didn’t make it.”

Persistence is not just necessarily batting ones head against the same wall until the wall cracks.  Persistence is continuing through adversity towards your goals.  Having a goal, hitting a road block is a learning experience.  How do you face roadblocks? Depression, frustration, open attitude as to why and how?  Sometimes the roadblock is the lack of information – plan to get more info e.g. take a class or get a mentor.  Sometimes the roadblock is too much information so that you feel overwhelmed – plan to get a mentor to assist you in breaking things down into chewable bites so you can advance.

When I was going through Occupational Therapy education at University of Pittsburgh, I experienced both of these road blocks.  Seeking assistance, stating your goals and stating the specifics of blocks are excellent ways to get through to your desired degree.  But what if it is not quite so simple?  Finding a specific mentor someone you can look up to who has experience and success in a specific area is the most important.  Then work with this person to establish the plan and then it is up to YOU to execute it.  If you are not persistent in reaching your goal – any time you hit a road block you will be defeated and fail.

Look for mentors in anything you do and when you are moving up, look back and reach back to mentor someone else.  Be persistent and support other persistent folks.  That is why I became a Senior Marketing Consultant – I want to help others as I have been helped.

Get Real, Get Rich – Won’t Get Both?

I just received this information from Jay Kubassek’s Newsletter and wanted to share the information with you.
Lottery sales are booming. (And so are alcoholic beverage sales, but that’s a whole separate issue.) And why wouldn’t they be? The economy has tanked and the ship is still sinking. Unemployment is through the roof and is still rising. People are starting to panic.

Everybody is looking for the magic pill–maybe it’s a magic bullet, actually–to make their problems go away. They want to get rich quick, kick back, relax. No pain, no worries, everything will be fine. Well, if this is what you’re looking for, there are two old adages that apply. If it sounds too good to be true, it probably is. (A better way to say that is if it sounds too good to be true, it’s probably a lie.) The second adage is no pain, no gain.

The fact is that nothing comes easy. There is no short cut to success–period. Hard work, dedication, and motivation are all common denominators for striking it rich. There is of course a lot more involved, but these are three prerequisites.

The bottom line is that if you want to get rich, you first need to get real.

The internet today is like California during the gold rush. Everybody wants to hit the mother lode, and everybody is staking a claim. But just like the prospector who has to sift though dirt to find a gold nugget, so too must the internet entrepreneur sift through hype to find a real opportunity.

The internet is a business tool, not a magic wand. A serious entrepreneur who wants to launch a serious business–and make serious money–can do so on the internet. But a desperate person seeking a quick fix for existing financial problems will simply create more financial problems. And lose a ton of cash in the process.

The principles of a successful business are pretty simple. Create or offer a great product or service. Find a hungry market. Get your message in front of the masses. Attract prospects and make sales. Deliver exceptional value. Get paid. Simple, yes; easy, no. Running any kind of legitimate business requires operational expertise, a financial investment–and a lot of hard work. A legitimate internet business is no different, for the most part at least.

There are however some differences, and important ones at that. Since you don’t need a storefront or an office, the capital investment is less than for a bricks-and-mortar enterprise. Commuting costs and other workplace expenses are completely eliminated. There are no occupancy costs, and payroll is typically kept to a minimum, or eliminated altogether. And since an internet business is by definition promoted on the internet, there are tremendous efficiencies in advertising expenses because you have no printing costs, and you’re not buying media or postage.

The other difference is that because of the vast reach of the internet marketplace, it is not uncommon for successful entrepreneurs to share their wisdom. Sifting through the clutter of internet scams and rip-offs, it is still possible to find proven and tested systems that literally provide a turnkey online business model. PRO U is one such system.

PRO U is a highly tested and refined training and marketing engine that eliminates countless learning curves and automates the process of filling the sales funnel. Prospects are attracted to your business, qualified and even sold by the PRO U team. While all of this happens in the background, the entrepreneur can focus on more important business matters, like building relationships and growing the business. It’s a turnkey blueprint for success in the form of a working business model that anyone can use.

Now, an online business might not be for everybody, especially if you have a lottery based mentality and are looking to “get rich quick.” (I suggest something like cash gifting or any of the countless money games out there. Bernie Madoff anyone?) But if you are seriously considering venturing into the world of legitimate online business, stack the deck in your favor. Understand that you are undertaking a real business, not a part time hobby. Arm yourself with a proven and tested system of success and align yourself with a team of experienced professionals who can lead you around the pitfalls that swallow most. PRO U won’t make your problems go away. But it can help you to start and build your own business quickly and efficiently, and to reap the tremendous rewards that await everyone who is willing to work for them.

To register for informational free webinar:  www.DrJill-Consulting.com
Hope to see you at the live webinar,
Dr Jill – Senior Marketing Consultant to
Justin Woolf and Jay Kubassek of ProU
Remember: Failure is the path of least persistence.

You make plans then life happens.

You set your goals, make you make your step by step plans to reach your goals then life deals you a curve.  What should you do now?                                            Other than shriek “Oh S…!”

“The best laid plans of mice and men…..” you know how that goes.  So the part of your planning you may have missed considering is contingency plans.  I am a Senior Marketing Consultant with an online company.  As such I do not punch a time clock, but I have timing for certain activities that need to be done.  I made my plans to reach my goals and keep revising them as I have grown in knowledge and experience and technology development.  What I did not count on was a significant family medical emergency turning my life and my organized plans upside down.  Some parts of my plans were put on the back burner, some altered while I attended to the family issues.  The support of family will always come first with me, but I did feel like I needed to be doing something productive.  Fortunately, I am an avid reader and had downloaded many books on content writing, marketing, subconscious mind, keyword development, financial crisis and two books by Napoleon Hill into my digital reader.  I was able to write advertisements and articles and save them in my digital reader and retrieve them later at home on my laptop. I do not have a wireless card for my laptop so I could not check business email or actually publish advertisements or articles until I got home in the evening, which was end of day very inconvenient for this tired brain!  I think the wireless card for the laptop will be a good investment as hospitals and MD offices do not like to share their wireless with patients and families.

My advice for all of us that are self employed online workers is to have contingency plans a little cache of stuff to work on that is portable.  I was lucky that I was as well prepared as I was when the emergency struck.   You might not be able to reach your goals in a straight line but you will be headed in the right direction.  Back up plans, extra “just in case” things are always a real bonus when life happens at those inconvenient times.

Home Business Can Save You Tax Money.

Having a home business can qualify you for home office tax deductions, work mileage deductions, business entertainment and trips as well as equipment, phone, internet etc.

Think about how much you paid in taxes this year – most of us think of that dollar amount with a pained face.  Yes, it’s too late for this year’s tax savings, but not too late to plan for next year.

Having a part time or full time home based business can get you a sizable tax break.  You will need to review the federal as well as your state laws for the specifics and the percentages allowable for each type of deduction.

  • The percentage of your home that is totally dedicated to home office is deductible as well as the amount of utilities for the home office.
  • Your computer, phone, fax, office furniture, lamps, rugs and repairs to these items are all items to keep track of to decrease your tax liability.
  • Your small office supplies like paper and ink for your printer and fax, paperclips, pens/pencils, note pads are deductible home office expenses.
  • If you live in a snowy part of the country and pay to have your driveway shoveled a percentage of that fee may be deductible as you need to move your vehicle out to work as well as the family car. [If your home office is 20% of your home, you could deduct only 20% of the snow removal.]
  • When you have a home office and you leave it to perform a job related service work mileage begins at your home office and ends at your home office – no commuting miles.
  • Some states and municipalities offer “Homesteading Tax Breaks” which will give you a sizable break on your local property tax, provided the percentage of the office space vs living space is not to high.  This enables you to save at the local level for your property as well as the state and federal level for your income tax.

Keeping good records of all expenses for a home office can save you lots of money at tax time whether your home business is part or full time.  So what are you waiting for start file folders and collect your receipts.

But before you start squirreling away your receipts – make sure you have a home business.  A business that you can start with 8-10 hours a week and then grow from there would qualify you for these tax breaks.   Check this information for a doable home business with lots of information, training and mentoring to help you get started and grow.  Click here.