Category Archives: goal setting

Working From Home by Taking Small Risks

Working From Home?

Risking our money is not something that everybody can do with the same ease.  For various reasons including past experience and even just the reality of having limited funds, people sometimes really are reluctant to gamble with their money.  Sometimes finding a place to “park” money is a good approach to maintaining positions you’ve already worked hard to achieve. Think asset protection

It is wise to consider your situation when determining if you can take a small risk. However it is really true that many times unless you can afford to take the risk you will have nothing but the same-old-same-old.  So there is a point to ponder.  Living life in general is taking a risk as you never know what the outcome of anything will be, including just walking out the door.

It probably stands to reason then that biting off your risks in small chunks will likely work best for most people.  Where we are referring to a home business opportunity, you can really get an educated guess as to whether or not it is a wise investment.  You can read all about the company on their website and read reviews from others. You can contact the company with questions.  I tend to look for newer ideas, and usually started by people with experience.

Although reviews are useful for most things, you must consider that there are a lot of haters out there and just plain ignorant folks who may try to damage a program or product just because they didn’t like it. That they didn’t like it or do anything to make it work has almost nothing to do with the product. This is why you should read many reviews in different places if you are going to use this method to do your due diligence.

And of course there is the other side, keeping in mind that the website is going to sing the praises and overlook things that are less than stellar about the program or product. However keep in mind particularly with affiliate programs and products where the financial risk is extremely small, that it won’t be the end of the world if you make a mistake.  Almost 100% of the opportunities in this genre have no contracts beyond month-to-month. The risk is low in every respect.

If you happen to lose a few dollars, don’t let it stop you from trying again someday. If you have to let enough time go by that you feel that you can afford another possible small loss, take as much time as you need.  As part of this effort maybe next time decide to invest more time and effort to make something work out. There are very few things that just blossom on their own, even the top earning programs.

My point is simple, don’t just wait until the opportunity passes you by.

Multiple Streams of Income

Multiple Streams

There have been many different people describing their being focused on just one business at a time as the reason for not taking a look at other things.  I find this almost humorous were it not for the fact that such as approach can, in fact, be detrimental to financial independence.

That approach means that one can’t walk and talk at the same time.  That listening to music presupposes that it is impossible to drive a card or work other tasks at the same time.  Both must be dependent upon different areas in the brain to allow simultaneous tasking.

Likewise, to say that when applying the 10 foot rule to talking with people you rule out the possibility that one person may not find appealing a product based networking opportunity because you are only interested in selling a service based opportunity.  Or consider the possibility of an affiliate based income opportunity when you are focused on a binary networking business.

The old saying that different strokes for different folks is as true today as it was in the past.  It is for that reason that I feel it is essential to have more than one opportunity to share.  Business is built on relationships and to exclude from a business relationship a person who might be perfect for one and not for the other between two opportunities is absurd.

So put a couple of different things together that you feel comfortable with.  My personal examples are a health business, ASEA, that merges well with my past medical history and networking with Xango.  I’m also looking at a company with a telemedicine aspect to it.  Lyoness is a no brainer because the cashback is a loyalty program everyone can do.  Gold and silver programs are different as much as they are alike.  The commonality is, however, that saving in currency is doomed.  Business on the internet with some people is a hot commodity.  The Stage-It  web business is able to promote all of the above and more.  Then there is always the Matt Lloyd, MOBE, my online business empire, which is for the higher income seeker.

All of these examples do not detract from one another.  They complement each other.

“Never depend on a single income.” ~ Warren Buffet

“The richest people in the world look for and build networks. Everyone else looks for work.” ~ Robert Kiyosaki

Many of today’s millionaires attribute their wealth and success to having multiple streams of income. I’m sure you’ve heard the saying, “Don’t put all of your eggs in one basket.” Nothing could be truer in this day and age. Never rely on just one source for your future. If you lose your job today, or the business you own doesn’t thrive, what will you do? Find what you are passionate about, what you really love, and use that to solve a problem or to fill a need.

If you’d like to see what I’m doing to insure for my family’s future, take a look here at KnoMe. KnoMe will work alongside any existing job or business, helping promote you first, and then your product or service. People do business with people they know, like & trust, and this is the tool that will accomplish that. KnoMe reaches people where they are at – right on their phones! And the coolest part – you get paid for sharing. Not selling, not convincing, not recruiting, JUST sharing…….can you imagine if you’d gotten paid to share Facebook???

So, what’s holding you back? Follow the link below and Take the Tour. You have nothing to lose, and possibly everything to gain.


I would appreciate your thoughts and sharing.

Thoughts on the Year


Last year when I was obligatory blogging on a weekly basis for a course that was life changing, I got away from blogging on this page which has been the basis for many of the things that are important to me.

I spent time realizing the value of family and also the value of pursuing the healthy habits that hopefully will allow me the ability to live to my delegated end point in relative functionality and mental clarity.

Here are some of the things that interested me.  The ability to network for business through social media has been of mixed results.  There have been some home runs and some awful looking whiffs.

The Whiffs

I am closing the business of Merchant Cash Advance partnership and not renewing any of the accounts which are non-productive.  I brought in the only accounts this year and feel that it’s not worth my time to look at that as a major income producer.  There is too much of a food chain ahead of me and I don’t like being the bottom feeder.  Commissions on the bottom are really not worth the effort.  The competition is fierce and I’m not looking to create a new wheel of fortune in the financial world.  l

I also have happily become involved with starting to save gold in the Karatbars program. There will be much to learn and I’m aware that all that glitters isn’t gold. Silver is also attractive but I haven’t found a program that will do everything that Karatbars does.

I’m looking forward to 2015 with anticipation and joy.

In Isn’t All that Hard

No Hard Feelings

Well, it’s harder than I thought.  After all, I had a minor lead in a high school play and I could memorize my lines and perform without any trouble. I’ve stood in front of training meetings and that wasn’t hard at all.   The difference is that the words weren’t my words and the feelings that I have right now to share my journey aren’t easy to express.  I’m going to begin a video blog on YouTube and probably start with something simple like an introduction.  That makes sense anyway.  My short term goal is to express my understanding of the challenges that one faces in early or forced retirement and give some practical solutions that I’ve found.

More importantly, in the long term, I hope to engage with those who want to engage and help them by listening and guiding them on their journey.  The books I’ve read and the stories I’ve heard are all part of the landscape of who I am and who my audience is.  That can be beautiful if cultivate properly and fertilized, weeded, and cared for.

So stayed tuned.  I’ll let you know when the first video is up on YouTube and I look forward to your comments.


PS  This is cool stuff.  Check it out here


If you would only practice.

How do you get to Carnegie Hall?  Practice!
How do you get to Carnegie Hall? Practice!

My guitar instructor told me last week that despite the fact that I was away and only was able to play a couple of days, that I was continuing to improve and that if I would only find some time to practice, I could be really “good”.   Now I don’t know if Derrick was just doing his best to encourage me or was telling the truth.  It did seem to me that he was, however, telling a universal law that simply stated is that we become what we practice.  It’s true in music, it’s true in marriage, and it’s true in business.  If we want success in any endeavor, we need to practice the skills that characterize that endeavor.

So whatever you want to do.  Go Practice!