The game of life

Being an avid video gamer at once in my life. I use to love playing all sorts of video games and computer games. In fact the biggest reason I don't play games now is just because it sucks all possible productivity out of me. I do play every now and again but not on a daily basis nor even a weekly basis any more. I use to play video games related to business then all of a sudden I realized that I am playing the ultimate game right now. It is called the game of life. Just like any other business simulator game, my goal in this game is to increase my net worth and to reach my ultimate goals of time freedom and complete financial independence.

Currently, my best way to increase my net worth is with my Coastal business. Down the road I will continue to evaluate ways to grow my business empire. Of course I am always looking at investments and am definitely considering some Real Estate moves towards the end of the year. Obviously, I am working towards writing a book however, all of those things are secondary. My biggest tool in this game of life is without a doubt Coastal Vacation. I will continue to grow personally and professionally with the help of my business coach (Dani Johnson) so that I may become the most professional and most skilled business person that I can be. Anyone can succeed with Coastal Vacations literally it's not very difficult. However, I want to achieve a 7 figure income as quickly as possible. I want to see others on our team achieve 6 and 7 figure incomes as well. I want to see others reaching their financial goals.

In order for me to be the best coach and mentor possible I have to always keep my ego in check and continue to improve myself on a daily basis. If I had to say one way or the other I would say that I am winning this game of life. My net worth is not where I would like it to be, and I am very impatient but I see it growing on a daily basis as I work towards my goals.

Monday as usual

Just another Monday working from home. I am currently waiting on the rest of my advertising to start coming in from Cutting Edge Media. I have a daily goal of making no less than 60 dials a day talking with 7 clients. That is a very part time work load of about 3 to 4 hours. It usually takes me about 6 hours, so according to my business coach Dani Johnson I am wasting too much time in there somewhere. I only work about 6 hours a day for 4 days a week however, I strive to be as productive as possible during that time period.

I have made about 5 loans on prosper so far earning about 13% interest. Each loan is in $100 increments. I have another loan getting approved and verified as we speak, another one that I have bidded on and that auction ends in two days. That leaves me with about $300 in my account to bid with but I am waiting for more loans that meet my criteria. I will currently sit and wait on that extra cash for now.

I am very excited about this coming weekend. We are having out first annual Coastal Wealthbuilder training event. We have almost 100 paid attendees, this is going to be great! It is always a tremendous amount of fun to fellowship with my Coastal family. These are people that I hear and speak with on almost a daily basis. It is like a big family reunion, nothing like seeing each other sharing business ideas, tips, and strategies in a face to face environment. I will be speaking at the event also. I have to get some notes together for that this week. I will be doing a segment on "Mapping your future" although that sounds vague my portion of that topic will be about managing your finances and getting out of debt whether you are making money in your Coastal business or not.

Speaking of finances, I need to get back on the ball and get back to doing my research on my book. I have not made that the priority that it should be.

Prosper.com The neatest website of all time

I have recently found the most unique website I have ever seen. I think this is huge for entrepreneurs or small business owners who need some financial help. The website is www.Prosper.com, this is a eBay style peer to peer lending website. That is right, this is a website where individuals can apply for unsecured loans up to $25,000 and get competitive rates from other people who are willing to fund the loan.

First, of all from a business standpoint this is a pure genius business model. Prosper.com Was founded by Chris Larsen, who for quite some time was the CEO of Eloan. The way Prosper.com makes their money is they take 1% of the loan at time of closing from the borrower and they charge the loaner .5% of the annual interest.

From a borrowers standpoint there are a couple of things that make Prosper unique.

- First of all, all loans are amoratized and can be paid off early with absolutely no penalty.

- The terms of the loan are straight forward. You can even pick the terms you want, it is up to other lenders to decide if they like your terms and are willing to fund your loan.

- The loan is unsecured, rates are typically competitive compared to other unsecured loans.

- The loan process is relatively quick and easy.

- You are dealing with individuals versus corporate banks, this will allow you to appeal to individuals emotions in order to get your loan.

- If you have bad credit or no credit you have an equal opportunity of getting your loan. Anyone can get a loan!

- You can borrow up to $25,000 at any one time, and you will have up to 3 years to repay the loan.

- You can borrow as part of a group and get better rates versus just borrowing on your own.

I am just impressed with this whole concept. What a great business model for Propsper.com. What a great way for people to help people in need.

Month in Review...

Ok, it's time for a little bit of brutal honesty. I have become complacent in my business. Making money has become relatively easy and I have settled for only earning between $10,000 to $20,000 a month. This past month in June I only earned $9,705. That is truly just my fault. If I have worked 8 hours so far this week then that is probably too much. I have not worked my business consistently in several weeks, I have allowed many excuses to get in the way. I even procrastinated writing this post because I knew that I had to be honest. From this day fourth I will change my work ethics back to and even better than they were the first quarter of this year. I have a goal of hitting $250,000 in the next 12 months. However, I am only on track to hit $140,000 if I don't improve my work ethic. This business is not difficult but with any business it does require some work.

If I was an employee with the type of work ethic that I have had the past several weeks then I would have been fired long ago by any decent employer. Why in the world have I allowed myself to get to this point, probably has a lot to do with my view of money and success. I am sure there is some sort of deep psychological reason for why I am selling myself short but the bottom line is even that is just an excuse. My business coach Dani Johnson often says, "Only when we live an excuse free lifestyle will we truly unlock our potential".

Those words are not only powerful but when you truly grasp what that means you will realize they are without a doubt invaluable. Most people will live their whole life and never grasp what the true meaning of that phrase is. I will simply say this. If your life is not where you want it then in all likelihood there is only an excuse standing between you and your goals.

Until next time...