Will You Ever Be Able to Retire ?

Will You Ever Be Able to Retire ?

Back in the Day ... Twenty-somethings often refer to their parents’ youthful years as “back in the day” - and little do they realize how much things have changed since then - economically, socially, and politically. These changes impact every American, but they are especially relevant to those beginning to think about target retirement dates and whether they have saved enough.

“Back in the day” people worked long enough at one job that they drew adequate pensions in retirement. The luckiest ( or most visionary ) ones are the “triple dippers” who collect a civil service or military pension, a pension from years of working for a private company, and social security.

While triple-dipping is an enviable way to fund retirement, at least one dip of the trio is quickly disappearing : the company pension. Only about 40% of the baby boom generation, just now beginning to retire, will have any sort of pension, and the life-long health insurance benefits that were once part of nearly every retirement package are for the most part a thing of the past.

The 401K plans came along in US. With participating employers contributing some matching funds, employees who participate defer taxes on part of their income and get a literal pay raise from the funds match. Once again, it sounds like a great idea : So why are economists worried that America is facing a retirement crisis ?

To begin with, only a little over half of employees who are offered a 401K plan actually participate. Some cash out their plans when they leave, often because they need the money for living expenses while they look for another job, or they want to pay ahead on debts they know they can’t handle if they aren’t working.

While some of the non-participants have IRA accounts or other individual savings plans, an alarming 31% of workers 40 or older admit that they have not saved anything at all for retirement, according to a recent AARP Bulletin poll. The same poll revealed that 28% of those who had already retired had saved nothing ! Like almost 60 percent of current retirees, Social Security is their major source of income.

“But I still have my pension ... right ?”

Wrong. Many companies have converted pension funds into 401Ks, expecting employees who know little about the stock market to figure out how to invest for their futures. Some companies simply fund 401Ks with 100% company stock. Where does that leave the employee if the company goes bankrupt - as Enron did, leaving thousands of employees out of work and with shares of company stock once valued at $80 worth less than a dollar ?

Where Do You Stand ?

If you participate in an IRA or 401K, by all means keep doing so. Don’t take out any “loans” on them. And remember that according to the fed’s own web site, you should expect Social Security to replace only about 40% of the income you will need in retirement. The average couple on social security receives about $20,000 annually from the government. According to Bloomberg’s retirement calculator, this couple needs an investment portfolio of an estimated $500,000 to make up the other 60% they need ( $30,000 ) to bring them up to a retirement income of $50,000 a year.

Maybe this doesn’t worry you. Perhaps you are right on target. Congratulations ! You’re in the fortunate minority.

But -- more than half of all workers who are over 55 have saved less than $50,000. That amount is almost insignificant. It will generate only about $3000 a year - and that’s assuming a 6% return and no unexpected nose-dives in the economy.

How did people get into this fix ?

There are plenty of reasons. For one thing, real wages have remained stagnant since the mid-1970s, meaning that despite very hard work, many have needed every penny just to get by. Poor spending habits - the desire to have it all and have it now - have led others down the road to debilitating debt. 401Ks and IRAs are accessible ( although you pay taxes and a penalty). People borrow to pay for college and medical expenses, and somehow the money never gets paid back to the retirement fund.

Is retirement security a luxury you can’t afford ?

With an uncertain economy, skyrocketing healthcare and energy costs, and little help from employers, retirement may seem like an impossibility to you.

This happens to most countries in this world.

It doesn’t have to be that way.

We are living longer and longer. Must we spend our retirement years filled with anxiety about outliving our money ? Will we just have to keep working forever ?

It doesn’t have to be that way.

Even if you are approaching retirement age with little in the way of savings, there is still time to make up for the shortfall, relax, and enjoy the rest of your life.

It’s all in your hands. But you must be willing to take control of your finances and turn your life around.

As we said at the beginning of this article, the responsibility for retirement income is yours now. The government will help you out a little bit, but you need to find a way to earn about 60% of what you will need.

There IS a way.

Even if you must stay home to take care of an ailing spouse or aged parent, there IS a way. There is a business you can run from your home, your RV, your vacation cottage, even a lounge chair on a sunny beach. Technological advances in the past few decades have made it all possible, and it’s working incredibly well for thousands of people. To establish a viable business that will produce income now and for years to come, all you need is an Internet connection and a telephone. Skilled professionals who took back their lives will be happy to teach you the simple secrets of their success.

Why haven’t you heard about this before ? If you had, you’d be ahead of the game. But the important thing is that you know about it now, and the sooner you act, the sooner you can begin to free yourself from anxiety about how to finance your retirement. In fact, you can look forward to enjoying the rest of your life as you live out your best years in the security of ever-increasing wealth.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Can You Afford Not To Invest ?

Can You Afford Not To Invest ?

When you mention the word 'investing' to most people, especially when it comes to the stock markets, reactions of caution and fear often arise.

I have heard my friends and relatives say ...

... 'I lost half my savings when the stock market crashed'
... 'Every time I buy a stock, it seems to go down.'
... 'I should have kept my money in the bank instead.'
... 'Investing is risky, you can lose your capital'
... 'Buying stocks is like gambling'

This aversion to investing is compounded by the fact that we were taught by finance courses, banks and financial advisers that 'high risk leads to high return'.

In order to earn high returns, you must be a risk taker ! And since most people don't like the idea of taking big risks, they never ever aspire to achieve high returns with their money.

As a result of past painful experiences and well-intentioned advice from ignorant friends, many people have developed a phobia for investing. They believe that 'investing is too risky' and 'it's safer to keep my money in the bank.' And so they resign themselves to earning measly returns of 2%-3% from their fixed deposit accounts.

Consequently, they have lost out on one of the most powerful wealth building tools available, and the opportunity to retire young and wealthy. What's worse is that by not investing, these people actually experience the devaluation of their hard earned savings from the effects of inflation.

Thinking they have saved enough money to retire comfortably after twenty years of hard work, they realize too late that everything around them has doubled or even tripled in price !

Think about that $9 movie ticket that used to cost $3 in the 1980s. Inflation would almost guarantee that you will be paying more than $27 to watch a movie twenty-five years from now.

Similarly, maintaining your home and a car would cost three times more than it costs today. Is your money growing as fast as prices are rising ?

By not learning how to invest, it is almost certain that you will end up struggling financially in your twilight years. That is what I call truly risky ! Not investing really leads to 'high risk and no return'.

Thanks for reading ! If you know someone who could benefit from this, feel free to forward it to them !

To Your Investing Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

P.S. : To find out more the Secrets Of Millionaire Investors and how you can build a million-dollar net worth by investing in the stock markets, simply visit here ...

The Four Levels of Wealth

The Four Levels of Wealth

There are basically four levels of wealth you must aim to attain.

Level 1 : Financial Stability

The first level of wealth is known as Financial Stability. This is the most basic level of wealth that you must first attain.

You have achieved Financial Stability when :

1. ) You have accumulated enough liquid assets to cover your current expenses for a minimum of six months.

2. ) In addition, you have life and hospitalization insurance to protect you and/or your family's lifestyle should you be permanently disabled, unable to work or if you pass away suddenly.

When you have attained this first level, you will have the peace of mind that should any unexpected challenges befall you ( like retrenchment, business failure, pay cut, death or disability ), you and your family's lifestyle will not be compromised. Or worse, you or your family will not slide into debt.

Once you have achieved this, you must then aim to achieve ...

Level 2 : Financial Security

You have achieved Financial Security when you have through the investment of time, money and ideas, accumulated a critical amount of Positive Cash Flow Assets that generate enough passive income to cover your MOST BASIC expenses.

In other words, when you reach this level, you can stop working and maintain a very basic lifestyle. It also means that if you continue working, all your active income can be channeled towards your investments and this will further compound your assets and increase your income streams.

Of course, we shouldn't be satisfied at being at this level. Once accomplished, you must then aim to go for ...

Level 3 : Financial Freedom

Many of us have heard of the dream of achieving financial freedom but what does it really mean ?

Well, Financial Freedom is when you have through the investment of time, money and ideas, accumulated a critical amount of Positive Cash Flow Assets that generate enough passive income to sustain your CURRENT LIFESTYLE.

When you reach this level of Financial Freedom, you can choose to stop working and still maintain your current standard of living ... indefinitely !

In reality, most people who achieve financial freedom love their work so much that they continue working not because they have to, but because they choose to.

It is a great feeling to have ... being free of financial pressure & worries and working purely out of passion !

Obviously, the more expenses you have now, the more luxurious and indulgent your standard of living, the longer it will take for you to achieve financial freedom.

So besides increasing your passive income, reducing your unnecessary/frivolous expenses will accelerate your way towards this fourth level. Finally, you must aim to achieve ...

Level 4 : Financial Abundance

So what is the ultimate level of wealth you can achieve ? Financial Abundance is when you have through the investment of time, money and ideas, accumulated a critical amount of Positive Cash Flow Assets that generate enough passive income to sustain your DESIRED LIFESTYLE.

Your desired lifestyle is the amount of monthly expenses it will take for you to live the life of your dreams. This is totally subjective depending on the lifestyle that you desire.

If your desired lifestyle is to live in a 20,000 square-feet bungalow with a swimming pool, send your kids to the best schools and drive a Mercedes Benz S-Class, then you could be looking at a monthly lifestyle that'll cost a cool $50,000.

Of course the more luxurious your desired lifestyle, the longer it will take for you to achieve financial abundance.

The moment you reach the level of Financial Abundance, you will be able to choose to stop working and live your dream lifestyle indefinitely.

Again, most people who do reach this level usually love what they do so much that they keep on working for fun, channeling 100% of their active income towards charitable causes and further compounding their wealth.

With the right strategies and plans in place, you too will be able to achieve this ultimate level of wealth.

Thanks for reading ! If you know someone who could benefit from this, feel free to forward it to them !

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

P.S. : Discover The Exact Methods You Need To Create Financial Success ... Without Having To Turn Your Life Upside Down To Get It ! Click on the link here ...

Patterns Of Excellence

Patterns Of Excellence

Change is in Your Hands

Many people are put off from achieving what they really want to do in life simply because they do not have belief in themselves that they can, for these people the words “if only” are their first thought. Little do they realize that they have the power within themselves to accomplish anything if they are willing to change themselves ?

Simply by changing how you think and feel gives you the power to change your life to the one you want, where everything is possible and within reach. Too often people think that change is beyond their control and so feel totally powerless to do anything to change the situation, however simply by changing ourselves or our outlook on life we can begin to take charge of our lives and make the changes needed.

Decide what it is you want from life

The first step to changing is deciding what it is exactly that you wish to change in your life or yourself, do you wish to change you yourself or is there some aspect in your life that you wish to change ?

Write down exactly what it is that you wish to change, making a list of everything that you aren’t happy with and what changes you wish to make. How we feel about ourselves has a lot to do with how we see life, if we are full of self-doubt and no confidence then this shows in how we present ourselves, too much self-doubt gets us down so the first step to taking your life back into your own hands is to change your outlook.

Taking the first steps

The first thing you should realize is that you and only you has the power to change and the secret to this is freeing your mind and body to start moving forward and making the changes needed.

With a more positive attitude you will be able to change the way you feel and react and more importantly what you are able to achieve, you will be able to do this because you will have a different attitude towards life in general, others around you and how you are able to handle situations.

Of course the changes will be small in the beginning but slowly you will begin to realize that changes are happening and it is you that is making this happen, you don’t have to rely on anyone else. Along with the positive changes you will feel better, have more self-esteem, confidence, be more enthusiastic and be self-motivated.

Taking responsibility for your life and realizing that you alone hold the power to the changes that are happening around you will bring enormous self-satisfaction if you simply remember to always keep an open mind and remember that you have nothing to lose.

Lets me recommend a complete step-by-step system that will literally program you for success and help you achieve the goals you want in life. The Patterns Of Excellence from Adam Khoo.

He was a true-blue business entrepreneur, a real world investor and one of the top speakers in Asia. Here's What You'll Learn from his Patterns Of Excellence ...

CD1 - The Ultimate Success Formula
CD2 - The Power Of States & Physiology
CD3 – Submodalities
CD4 - The Power Of Beliefs & Anchoring
CD5 - Designing Your Life & Reframing
CD6 - Values: Your Driving Force
CD7 - The Magic Of Rapport
CD8 - Language Patterns I : The Milton Model
CD9 - Language Patterns II : The Meta Model
CD10 – Strategies

The Patterns Of Excellence 10 CD home study course is based on their Patterns Of Excellence LIVE Seminar Program. To attend just Module One of this seminar, it would cost you at least $1,600. And he always sell out every time he run the seminar, even at this price !

So knowing that it will cost you over $1,600 just to attend the LIVE seminar and discover the lifetime success secrets he reveal. Now, you'll asked : how much would the home study version be worth to you ?

However because you had the chance to discover and land on his website through my link here, he offer the Patterns Of Excellence home study course at a massively discounted rate, you'll also get a special bounse from me, ONLY from my link, Click here for your lifetime success now ...

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

P.S. : All the rich and successful people in the world must be doing or possessing something similar that have allowed them to achieve the success they have in life. Success doesn't happen by chance. So what's the secret behind all these people ? The secret is that they all possess the "Patterns Of Excellence".

Secrets of Self-Made Millionaires

Secrets of Self-Made Millionaires

What would it take to become a self-made millionaire ? Does the mere thought of it feel like wishful thinking ? Or maybe just a bit intimidating ?

Of course, any project, especially one as challenging as turning yourself into a self-made millionaire, will go better if you have someone to guide you through the process, someone who has personally achieved what you’re striving towards.

Imagine you could have your own personal self-made millionaire mentor who will share exactly how he did it and who will guide you through the process ? Do you think this would help – a lot ?

I’m sure you do. But your old, non-millionaire mindset will immediately ask the kinds of questions that are certain to sabotage your success : But aren’t mentors incredibly expensive ? It depends on how the mentorship works. Sure, hours of phone support and personal meetings will probably be out of reach for just about anybody who would need that kind of help.

But here’s a way that’s much more affordable. Adam Khoo, a self-made millionaire by age 26, and now a multi-millionaire and best-selling author as well as in-demand speaker, has produced an audio coaching program where he discloses all the secret ingredients of becoming seriously rich. And the best thing, he guides you every step of the way. He’s by your side with encouragement and guidance, with motivation, and with very specific and detailed examples. Once you listen to his explanations and work through the workbooks, getting wealthy will suddenly feel a lot more doable.

How does Adam accomplish this feat ? First of all, he shares how he himself became a millionaire, starting with his school days, where he transformed himself from a miserable failure to a top student in a very short time. And where he went out to teach others how to do the same. And turned that into money ! Adam’s inspiring story and his enthusiasm will give you a big boost.

Before you begin, you probably wonder if you even had it in you to become a millionaire. Surely, those amazing people who have accomplished that feat have really special gifts, you may think.

You’ll quickly discover that that’s not the case. Adam assures you that we all have the same gifts. It’s just that some of us use them more skillfully than others. And in his audio coaching program, he is going to teach you how you too can transform yourself into a person who puts his or her gifts to the best possible use.

Chances are you have read other books about “millionaire secrets” before and have found yourself utterly frustrated because they were filled with promises that weren’t fulfilled. It all sounded good, but every time you were looking for actual how-to information, the books came up empty. This is not the case with Adam’s program. He delivers specifics.

Sure, Adam includes plenty of pep talks along with a bit of tough love, and you’ll need it all. Why ? Because there’s real work involved in becoming a millionaire. Meditating on it won’t make it happen. Yet the right mindset paired with the right kind of concerted effort will. And Adam’s program gives you the tools to get it right and shows you how to apply them.

What will you get ?

The program consists of 12 downloadable audio lessons that average about 45 to 55 minutes each, with some of them more than an hour long. And Adam talks fast, and packs a lot of information into each one. You’ll see just how much when you look at the transcripts that are also included as PDF documents.

The lessons include the following :

* 7 Steps to Financial Freedom
* Developing the Million Dollar Mindset
* How the Rich Manage Cash Flow
* Strategies to Massively Increase your Income ( TWO lessons on that one ! )
* Managing Money and Controlling Expenses
* Creating Multiple Streams of Income Online ( TWO lessons on that one too ! )
* Investing Like Warren Buffett ( TWO lessons here too ! )
* Growing Your Money at Millionaire Returns ( TWO lessons ! )
* Designing Your Millionaire Road Map

The topics sound very enticing, and unlike a lot of other programs, Adam delivers. He really does give you the nitty-gritty how-to for all of the above.

For example, the two lessons on online income are among the clearest, fuss-free, and comprehensive guides to internet marketing I have encountered to date.

And the strategies to massively increase your income are just plain brilliant as are those in the rest of the program. Adam tells you how you can increase your value to your employer exponentially – and command the salary increases to match. And that’s just for starters. Wish I had known those earlier. In fact, that’s what I kept thinking while listening to most of this program.

In his investing lessons, all four of them, Adam provides more information than even an armful of books ever would. He teaches you how to pick stocks, how long to keep them, and so on. It’s very comprehensive, and you can literally get started after just working your way through this program.

And while 12 audios and the matching transcripts would provide plenty of value for your money, especially considering the content, that’s not all.

You’ll also get bonuses :

You’ll get a manual of more than 200 pages, which is both a workbook with space for you to fill in as you work yourself through the process, and a quickie overview over the program, complete with graphics and tables that you’ll find yourself referring to again and again.

And then there are 7 spread sheets, which help you with determining your own net worth, your income statement, making money on the internet with the internet profit formula, and, yes, pick the right stocks ! Or tell if you’ve picked the right ones. And when to sell them too.

In the program itself, Adam covers a huge territory as you can see from the titles of the lessons above. He helps you explore your attitudes about money, and, very importantly, change the ones that don’t serve you. If you worry what would happen if you were to actually make money, you probably won’t make much. And if you do, self-fulfilling prophecy goes right to work and helps you live up – or down – to your expectations.

Adam is a very enthusiastic speaker and a fast talker, which means, that you may sometimes wish you could rewind. In fact, the pace of his presentation style is a bit on the fast side. I kept wanting to tell him to slow down. He also has a Singapore accent for obvious reasons and coupled with the fast pace it can occasionally.

But what really counts is what he delivers, and he delivers a terrific blueprint for becoming a self-made millionaire. All the info you need is right here. Just add action, stir, and watch your net worth grow.

These 7 steps alone will guarantee anyone's financial future. The only trouble is no one out there actually knows or even uses these steps !

To get the full scoop about the 7 steps and to find out more about how you can become a financial success, I recommend you have a look at this. You will not be disappointed.
Click on the link here ...

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

P.S. : You'd only want to listen and learn from a millionaire and no one else !
Would you take driving lessons from someone who can't drive ? Obviously not, so why would you take the same chance with your financial future ? You wouldn't. If you're looking to secure your financial success, here's the link you want ...

Secrets of Self-Made Millionaires ( The Millionaires Book )

Secrets of Self-Made Millionaires
( The Millionaires Book )

You see, I know you are sick and tired of all the nonsense that's thrown at you by all these websites that claim that you can retire young and rich and all you have to do is to just buy their ebook.

Ever wonder whether these people behind these websites actually know a thing about making money first or are they just making money off you by selling their 'Get Rich' ebooks ? You never know, can you ?

It's Common Sense. If You Want To Learn How To Create Massive Wealth, You Should Listen To Someone Who Made His Money First And Not From Someone Who Got Rich Selling 'How To Get Rich' Ebooks.

After all, this true-blue business entrepreneur, a real world investor and one of the top speakers in Asia, Adam Khoo, ONLY started teaching people how to get rich only after he made his first millions. He believe that he must do the walk before he ever do the talk. And he believe his was overwhelmingly qualified to teach people how to get rich.

Lets talk about this book :

There are over 350+ pages of million-dollar tips, secrets and strategies in the Secrets of Self-Made Millionaires ebook. That's HUGE ! Most ebooks out there have at most only 100 pages and those are the good ones already.

So you're getting an absolute TON of Priceless Information and you are going to be absolutely gob-smacked by the amount of value you are going to get instantly when you invest in the Secrets of Self-Made Millionaires book.

You will be learning 7 main components on this book :

Component #1: Seven Steps To Financial Abundance
You must learn these fundamental mindsets and principles that have made countless people wealthy and why if you break them, you will never be rich.
And more ...

Component #2: Cash Flow Strategies Of The Rich
Learn how millionaires manage their money and why this is the basis of how the rich get richer. I'll teach you how you can also harness these exclusive principles to be a millionaire yourself in no time flat.
And more ...

Component #3: How To Massively Increase Your Income
Learn how to double your income in less than five months with these fool-proof methods. Whether you're an employee or a business owner, these strategies work anywhere.
And more ...

Component #4: Creating Multiple Streams Of Income Online
The internet is one of the fastest and easiest ways you can start adding passive income streams, without quitting your job.You will learn about the entire roadmap from, start to finish, on how to build your own internet business that will start earning you mountains of profit.
And more ...

Component #5: Managing Money And Controlling Expenses
Learn how millionaires manage their money and why if you break these principles, there is no way you can be rich.
And more ...

Component #6: Building Your Million Dollar Net Worth
Learn how you can use time-tested strategies to compound your money using the stock market and make passive income while you sleep !
And more ...

Component #7: Designing Your Millionaire Master Plan
Learn how to develop your personal millionaire roadmap so that everything you learn in this book can straight away be put into massive action.
And more ...

You see, most people always dream of becoming financially free and wealthy, and that's the problem ! They always dream and never take action to make their dreams become reality.

Let me tell you that this is a reality for me and for people who follow these proven steps to financial freedom. Isn't it time you took action for yourself to create the life you want ? The choice is yours. Click On The Link Now.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

P.S. : Imagine what your life would be if you didn't know all these valuable principles and strategies. And imagine the how much you will be losing out on if you didn't start building your million dollar dream right now. What are you waiting for?
Please Click Here Right Now.

Master Your Mind , Design Your Destiny

Master Your Mind , Design Your Destiny

Do you ever wish you had more time, money, or other resources ? If only you had all those things, you believe, you could make all your dreams come true. Alas, you don’t, and so, year after year, your dreams stay just that : dreams.

But it doesn’t have to be like that. Lets me recommend one of the best and favourite motivational books that i have.

In this book, "Master Your Mind, Design Your Destiny", Adam Khoo argues that all those perceived limitations are just illusions. The fact is, he writes, we all have everything we need to be successful. We just need to learn how to put it to use. And in this book, he teaches exactly how it’s done.

He starts with the premise that we all have basically the same neurological make-up. We all have roughly the same 1,000 billion neurons in our brains. It’s what we make of them that makes the difference.

So how is it that some people are able to accomplish so much with their 1,000 billion nerve cells, and others accomplish zilch ? Adam argues that the key to those differences lies in the behaviors and habits that get installed while we grow up. The majority of people are not exactly brought up with a winning mindset. And unfortunately, most of those people never question what they do and never change their habits. It probably never occurs to them that they could. But of course we CAN change habits, behaviors and beliefs by stimulating our brains in the right way and creating new mental patterns.

The technology Adam uses to reprogram the mind is NLP, i.e., Neurolinguistic Programming, which has proven to be highly effective at that task. And after carefully reading it, I found that Master Your Mind is not just another book on NLP, useful as that may be, but it actually goes far beyond that.

First of all, Adam’s Master Your Mind offers a comprehensive, thorough, and easy-to-follow description of the actual techniques that are necessary to accomplish that goal. But it doesn’t stop there. It’s also an extensive workbook that helps the reader to put all those techniques to use right away. Thirdly, it offers a wealth of inspiring examples.

Adam Khoo himself is a case in point.

Starting out as an academically weak student at the very bottom of the pile, he used some of those very strategies he teaches here to reprogram himself and turn himself into a top student. Moreover, unlike his fellow students who were satisfied with a normal career path and income come graduation, he set himself the goal to become a millionaire by age 26 – and achieved it.

He started his first business while still in high school, and several more while in college, and he even became a best-selling author with his book on how to become an excellent student. He developed a program called Patterns of Excellence that he used to teach others to repattern their mind to achieve success as well.

So Adam is quite an inspiration indeed. And he provides us with many more inspirational examples throughout the book, from Sylvester Stallone to Richard Branson.

From the outset, Adam urges us to have the right mindset : And one of the key parts of that mindset is planning for success by setting specific goals, developing strategies to achieve those goals, and putting them into action.

Of course, if you do enough challenging things, some of them will not work out as planned, which is something most people call “failure” and try to avoid at all cost. Adam, however, argues that there’s no such thing really. What may seem like failure is just feedback, and that attitude is essential for achieving any goal because paying attention to feedback helps us stay or get back on the right track and accomplish our goals.

He also introduces two more essential ingredients : an empowering belief system, and the right kinds of values. He doesn’t leave it at that, but provides plenty of specifics and work sheets that help his readers to establish those for themselves.

Next, Adam takes away our excuses ! He urges us to stop playing the victim. Instead, he shows that taking absolute responsibility for everything that happens in your life is the key to self-empowerment. Which, by the way, does NOT mean blaming yourself. Far from it. Instead, it means that when something doesn’t go according to plan, you ask yourself what YOU can do to turn things around. Whether it’s customers that won’t buy or colleagues that are uncooperative, reclaim your power to change things. And the only person whose actions you really have control over is you.

And so, this is what it means that you can only change what you take responsibility for. If you believe something is out of your control, how could you possibly do something about it ?

Adam takes it even further : not only does he challenge his readers to take responsibility for their results, but also for how they feel. This book is not for whiners but for people who are prepared to do serious work on themselves.

And in keeping with that, each chapter features exercises and action questions that guide the reader through that work that will, as the book promises, help them master their mind.

Among the key aspects of Adam’s mind mastery program are beliefs and how to take control of them and turn them into the kind that will get results. He calls them the “tap to our personal potential” and provides evidence that they can even change our biochemistry.

Once again, that section is followed by an extensive workbook section where you can track down any limiting beliefs and change them into empowering ones.

And that’s just for starters. Adam goes on to provide detailed instructions on how to achieve key performance by gaining control of your emotional states. There’s a long section on successful modeling, one of the key concepts of NLP and a key tool for achieving success.

Next, a detailed chapter on how to manage your brain, with how to take control of all the aspects of your perception and imagination, by manipulating its submodalities, along with instructions on associating and disassociating. While I’ve read about these before, I’ve never seen them treated so clearly and in this much detail. Once again, it comes with detailed workbook so you can actually do it and not just read about it.

Of course, the techniques for manipulating submodalities and emotional states serve a purpose, to motivate yourself, to overcome procrastination, to remove intense negative emotions and change them into neutral ones, to change cravings to disgust, and much more.

He even shows how to use the swish pattern technique to change lifelong habits almost instantly, including how to move from hitting the snooze button and going right back to sleep to jumping out of bed with enthusiasm as soon as the alarm goes off.

There’s more, including a detailed section on anchoring, both on setting anchors for desired states of mind, and on removing unwanted anchors, and another section on meaning.

All in all, this is a very comprehensive program on mastering one’s mind, and anyone who does all the exercises can hardly help but feeling profoundly changed.

Any drawbacks ? Master Your Mind, Design Your Destiny, with its 364 pages, is really long for an ebook, and it’s been a bit of a pain to read on the small screen of my ibook, what with having to scroll up and down all the time. But it was SO WORTH it that I didn’t mind anymore once I got into it. Besides, if you have a bigger screen, that shouldn’t be an issue anyway. And, of course, you can always print it out. Here's The Link.

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

P.S. : Master Your Mind, Design Your Destiny is the Complete 12 Steps System you need right now to empower yourself on the road to personal and breakthrough success right now ! All of this knowledge, skills and strategies have been distilled for you and put down in a EXACT, step-by-step system for you to follow and create the results you deserve and want in life. Master Your Mind and Design Your Destiny Now ...

First Experience With Robert’s Philosophy

First Experience With Robert’s Philosophy

Let me just share my first experience being exposed to Robert’s wealth building philosophy.

The first book I read from Robert was “Retire Young Retire Rich”. I’ve heard of this guy before but had never read his book. Till one day ...

I was at this bookshop somewhere Takashimaya and the title caught my eye. Hmmm “Retire Young and Rich” ... that was what I have been wanting to do since my teenage years.

Well the book was both an eye-opener and a mind-opener ! I could not put the book down. I just wanted to devour page after pages of it. I couldn’t believe it. Why have I been so ignorant of these concepts for so long ...

You see, I have been brought up all along to think that I need to study hard and get a good job. For the longest time as I can remember, I have done just that. But I have always been searching for ways to become rich.

Now the main reason I wanted to become rich is not because I just want to live a life of luxury. That may come once you got it but my main motivation was that I found that a significant part of my life was spent at work ... working tireless and hoping that people will notice my work and give me a promotion. I loved my job and I enjoyed solving and being creative in it. But it is really taking me away from some of the things that I would like to accomplish in my life.

I have in fact been a slave to my job. I need a job to provide me with an income but I quickly found out that it was always a struggle to save enough money. I had some savings, but it seemed like it will be almost impossible before I will be able to say that I can live without having a job. Month after month you are just working so that you could pay off this expense or that expense and this cycle would presumably continue until your final days.

I questioned myself whether this is what life is all about.

Why does a job take up the majority of our waking lives ?
Are we living for a job or do we have a job to live ?

But it seemed that everyone is doing the same thing. We rush out of our house every morning and came back late at night, we worked on weekends sometimes and we always missed that important dates with our families. Isn’t this model upside down ?

Well indeed, that book was like a revelation. It answered a lot of the questions I have all along. And I will love to share some of the things in it that has transformed the way I look at life forever.

Stay tune to my next post ... live your life to the fullest ... !

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail.com
http://mysignaturebusiness.blogspot.com
Singapore

Retire Young Retire Rich Lesson 1 - The Power of Leverage

Retire Young Retire Rich Lesson 1 - The Power of Leverage

As I mentioned in my previous post, Robert’s book “Retire Young Retire Rich” was a book that totally reshaped my financial thinking as well as my perspective of life in general.

It was like you have this hard knock to your head that totally shattered your lifelong conception of money and how to earn it. Suddenly, I could see why I was struggling to earn money, even though I am already in the upper middle class section of society. I was earning good money, but the expenses were high and I could not safely say that I could quit my job and life will go on as normal.

The first key lesson that I got from Robert’s book was "Leverage". Basically, leverage is anything smaller that can achieve anything much larger. In fact the whole book focusses on leverage. Leverage of the mind, leverage of the your plan, leverage of your actions and leverage of your first step.

Robert’s Rich Dad said that “Cash flow is the most important word in the world of money” and he continued to say that “The second most important word is Leverage”. In fact, leverage is the reason why less than 5 percent of all people are rich. These people are rich precisely because they know how to use the power of leverage and most people don’t.

I was indeed struck by this concept of leverage. Leverage is indeed power. For example, how long would you take to save $100,000 dollars ? Assuming you can save $1000 per month, it will still take you 100 months or 8.3 years. Most people though will have difficulty putting away $1000 per month in spare cash. How then could you be able to afford big investments if you are just depending on your ability to save ? How can you be rich by just saving money ? The answer is leverage. You use other people’s money ( OPM ) such as the bank’s money to make investment in the form of risk-managed debt instruments. More of this in later posts.

But the biggest leverage that I learned from Robert is leverage of the mind. That was lesson 1 for me. Isn’t it amazing how often we hear the words “I cannot afford it”, “I can’t do that”, “I don’t have the money” and “Investing is risky” ? What all these do is limit the scope of your mind and switching off your thinking caps. If you said you can’t afford it, the brain takes it as final and end of story. It will not think about it anymore.

However, if you say “How can I afford it ?”, it becomes a challenge to the brain. You put your mind to work looking at ways to afford it. Great inventions were made possible because humans refused to accept that something was not possible. The Wright Brothers would not have invented the aeroplane if they accept that humans cannot fly. Humans need to be challenged and they excel when challenged. Unfortunately, a lot of people take the easy way out and accept that they cannot afford it because it is easier to do so.

Hence, always be aware of what you say to your mind. Be aware of words that limits your possibilities. Be aware of other people’s words that make you feel small. Be aware of your thoughts that diminish your potential.

That my friend, is the first step in your journey towards meeting your “Retire Young Retire Rich”’s goal ...

To Your Success

Wingcent Ning
Success-Biz Marketing
wingcent@gmail/com
http://mysignaturebusiness.blogspot.com
Singapore