I have probably the best Father In Law on the planet. Robert Uyttenhove, is a great man. However, he does love to forward me email on a daily basis. Truthfully I don't usually read them however, this morning I did. Below is my response to this well intended forward I got from him. I think the reason stuff like this even gets forward is just because, as average Americans we don't totally understand the dynamics of some political issues and then our Politicians use that against us when creating or writing public policy.
My response to his email (you can read the email below my response)
This is good but its important to understand both sides of this coin. The argument to buy American to save jobs is a noble argument. But the greater issue has to do with why jobs aren't being produced here or why are those companies of which many are American, owned move facilities overseas. It ususally is not made off of the hourly wage difference. Take the CEO of Intel who recently said.
I would love to open a new manufacturing facility in California but it will cost us about $1 Billion dollars more to be located in California. That is not because of workers wage that is just because of higher government fees and taxes on our business model in the US. The Billion dollar cost will have to be paid before that new plant produces one Intel product.
quoted from memory
So the solution. In order to sale more products in the USA companies need to be more competative. Our government needs to allow these companies to be more competative. However as Americans we demand for such services as 113 weeks of unemployement, Social Security, Medicare, and Medicaid. Our government can't afford this, there isn't enough tax revenue coming in so they raise taxes on business because its easier to do than raise the tax on the people on main street. Then companies do one of two things they raise prices now to help compensate, but the unintended consequence is products from outside of the US are cheaper and therefore many American buy on price. Or they move overseas so they can operate on a more even playing field marketing to the US as their other International competitors.
Simply paying more for American although noble as it sounds is NOT the solution. That just allows the government to continue to raise taxes and fees on businesses. Businesses then raise their prices even further to compensate for this.
Instead if government allowed for businesses to grow and didn't not charge as much in business taxes and fees. Businesses can stay right here in the good ol USA, sale their products at a competative price with overseas competitors. Create more jobs, more jobs create more revenue in the form of taxes which will increase the governments income to better afford things like Unemployeement insurance, Medicare, Medicaid, and Social Security.
The email as it was forwarded:
Did you all see that Diane Sawyer has a special report coming up this week on this very subject. They removed
ALL items from a typical, middleclass family's home, that were not made in the USA.
There was hardly anything left besides the kitchen sink. Literally. During the special they are going to show truckloads
of items USA made being brought in to replace everything. And will be talking about how to find these items and the
difference in price etc. It was interesting that Diane said that if every American spent just $64 (more than normal) on USA
made items this year, it would create something like 200,000 new jobs.
Made ME think! Check the canned food too
I WAS BUYING FOOD THE OTHER DAY AT WALMART.
ON THE LABEL OF SOME PRODUCTS IT SAID 'FROM CHINA'.
FOR EXAMPLE THE "OUR FAMILY" BRAND OF THE MANDARIN ORANGES SAYS RIGHT ON THE CAN 'FROM CHINA'.
I WAS SHOCKED!! SO FOR A FEW MORE CENTS I BOUGHT THE LIBERTY GOLD BRAND OR THE DOLE SINCE IT'S FROM CALIF.
TAKES FOREVER JUST TO BUY FOOD AND DO LABEL READING ! !
Are we Americans as dumb as we appear --- or --- is it that we just do not think? While the Chinese, knowingly and
intentionally, export inferior and even toxic products and dangerous toys and goods to be sold in American markets.
Yet 70% of Americans believe that the trading privileges afforded to the Chinese should be suspended.
Well, duh..why do you need the government to suspend trading privileges?
SIMPLY DO IT YOURSELF, AMERICA!!
Simply look on the bottom of every product you buy, and if it says 'Made in China' or 'PRC' (and that now includes
Hong Kong ), simply choose another product, or none at all. You will be amazed at how dependent you are on Chinese
products, and you will be equally amazed at what you can do without.
Who needs plastic eggs to celebrate Easter? If you must have eggs, use real ones and benefit some American farmer. Easter
is just an example, the point is do not wait for the government to act.
Just go ahead and assume control on your own.
THINK ABOUT THIS: If 200 million Americans refuse to buy just $20 each of Chinese goods, that's a billion dollar trade
imbalance resolved in our favor...fast!!
The downside? Some American businesses will feel a temporary pinch from having foreign stockpiles of inventory.
Wahhhhhhhhhhhh!!!
The solution? Let's give them fair warning and send our own message. Most of the people who have been reading about this
matter are planning on implementing this on March. 4th and continue it until April.
4th That is only one month of trading losses, but it will hit the Chinese for 1/12th of the total, or 8%, of their American exports.
Then they will at least have to ask themselves if the benefits of their arrogance and lawlessness were worth it.
Remember, March. 4th to April. 4th
START NOW.
Send this to everybody you know. Let's show them that we are Americans and NOBODY can take us for granted.
If we can't live without cheap Chinese goods for one month out of our lives, WE DESERVE WHAT WE GET!
Pass it on!!!
(No I didn't pass it on, simply because its missleading and doesn't get to the heart of the issue)
Thursday, March 17, 2011
Wednesday, March 09, 2011
I'm almost a millionaire with Coastal Travel!
DFIlive.com, continues to grow and I won my DFI Award Ring. I can't thank God enough for placing me in this business. Since my wife and I become totally debt free the end of last year. I now can see how fast we are saving and investing money. It's utterly mind blowing. At this pace without business growing anymore we should have a million dollar net worth (not including business assests) in 5 years. However, with just alittle improvement in business we could achieve that in as little as 3 years.
Not too bad for someone who grew up in a single wide trailer that his parents didn't even own. You can read more about where I started and my life before Coastal in this blog post from 2005 >> http://jackieoquinn.blogspot.com/2005/01/my-biography.html
Below is a copy of the latest email I just received from DFI. It shows my progress so far on the leaderboard and last months achievements. I recognize the names of most of the people on that leaderboard, I have met so many amazing people since being in Coastal Travel. I often wonder where we would all be if it weren't for Coastal Travel.
_______________________________________________
Hello Jackie,
We have been watching and recognizing the top DFI team builders since Feb. 2010. As you build your Coastal business you will be recognized on this leaderboard. Top leaders bringing in at least 30 brand new members and above have the privilege of earning the right to wear a very prestigious DFI Award Ring. You can see pictures of this ring and get more details at www.DFIAwardRing.com .
Lets start off by recognizing top team builders for the Month of Feb. 2011.
Diana Repko -- 7 ( Great job ! )
Jackie O'Quinn -- 7 ( Great job ! )
Stacy O'Quinn -- 5
Tim and Sue West -- 4
Tara Hayes -- 4
Diana, Jackie, Stacy, Tim, Sue, and Tara great job to each one of you and thank you for leading by example. You set a great example throughout the month of Feb. !
Now for the complete Leaderboard since Feb. 2010. if your name is listed on this leaderboard even for bringing in one team member then you are an active part of our team and we thank you. Together we are working to help others achieve more in their life! We are working to build a group of entrepreneurs who want to make a real difference in our world. Each of us need all of us and all of us need each of us!
Tim and Sue West 54 ( Award ring , 6 more to your first diamond award)
Cadie Kalmes 48 (Award ring)
Stacy O'Quinn 46 (Award ring)
Jackie O'Quinn 37 (Award ring)
Michelle Tascoe 36 (Award ring)
Angela Lasher 34 (Award ring)
Deon Danner 28
Natalie White 28
Jessica Fletcher 26
Tara Hayes 21
Jessica Wendelboe 17
Renae Heikkila 17
Richard Birney Smith 17
Hilary Snyder 15
Lynn Kessler-Fallon 15
Tanya Peck 13
Nike Roach 12
Eddie Indouze 11
Crystal Maguire 10
Rojan Alexander 10
Diana Repko 9
Staci Smith 9
Keri Skarin 8
Rob Larson 8
Connie and DJ Castro 7
Max Melonuk 7
Heather Maidment 6
Lisa Sierocki 6
Andrea DeRego 5
Barbara Trudgian 5
Elizabeth Still 5
Jennifer Baker 5
Mary and Diana Letourneau 5
Sue Caylor 5
Brad Colmenares 4
Courtney Cunningham 4
Jolynn Skarin 4
Judy Poague 4
Bill and Sandy Leddon 3
Carol Bliz 3
David DeRego 3
Geanean Roberts 3
Jacqueline McQuaide 3
Jean-Francois Gemme 3
Matt Pinter 3
Melanie Stevenson 3
Naomi Knight 3
Nate Anderson 3
Rand and Judy Baker 3
Rosie Feasby 3
Sandra Hardy 3
Stephanie Johnson 3
Thomas Parrilla 3
Carolyn Mauer 2
Collette Foster 2
Emund Odai 2
Gloria King 2
Heather Wallace 2
Linda Allen 2
Mary Gamble 2
Mary Wight 2
Melody Futrell 2
Ryan Johnson 2
Stacie Blackstead 2
Kenny Wilkinson 2
Angela McRorey 1
Anna Diaz 1
Cynthia Chamberlain 1
Daniel Goff 1
David Bayer 1
Deborah Mims 1
Edward Miller 1
Emmanuel 1
Eric Ledwith 1
Jay Jackson 1
Jena Vasquez 1
Judy Girardi 1
Kathy Allen 1
Linda Siddons 1
Lisa Conway 1
Marietta Vermooten 1
Melanie Carter 1
Veronica Lane 1
Yen Tsutsumi 1
Jennifer Nalls 1
Robbie Morrison 1
Kathie Babka 1
Tara Hills 1
Mark Bohde 1
We have a mission of creating 100 brand new Millionaires in the next 10 years. Each of you are apart of this mission!
To your success,
DFILive Support Team
DFIFeedback@gmail.com
1-866-628-4129
__________________________________________________
Thank you DFI, and thanks to all of our leaders who volunteer their time to make sure that we all are able to have the opportunity to build a successful business from home.
Thanks for reading,
Jackie O'Quinn
My Website >> www.flexiblebiz.com/goland1/leaderboard
Not too bad for someone who grew up in a single wide trailer that his parents didn't even own. You can read more about where I started and my life before Coastal in this blog post from 2005 >> http://jackieoquinn.blogspot.com/2005/01/my-biography.html
Below is a copy of the latest email I just received from DFI. It shows my progress so far on the leaderboard and last months achievements. I recognize the names of most of the people on that leaderboard, I have met so many amazing people since being in Coastal Travel. I often wonder where we would all be if it weren't for Coastal Travel.
_______________________________________________
Hello Jackie,
We have been watching and recognizing the top DFI team builders since Feb. 2010. As you build your Coastal business you will be recognized on this leaderboard. Top leaders bringing in at least 30 brand new members and above have the privilege of earning the right to wear a very prestigious DFI Award Ring. You can see pictures of this ring and get more details at www.DFIAwardRing.com .
Lets start off by recognizing top team builders for the Month of Feb. 2011.
Diana Repko -- 7 ( Great job ! )
Jackie O'Quinn -- 7 ( Great job ! )
Stacy O'Quinn -- 5
Tim and Sue West -- 4
Tara Hayes -- 4
Diana, Jackie, Stacy, Tim, Sue, and Tara great job to each one of you and thank you for leading by example. You set a great example throughout the month of Feb. !
Now for the complete Leaderboard since Feb. 2010. if your name is listed on this leaderboard even for bringing in one team member then you are an active part of our team and we thank you. Together we are working to help others achieve more in their life! We are working to build a group of entrepreneurs who want to make a real difference in our world. Each of us need all of us and all of us need each of us!
Tim and Sue West 54 ( Award ring , 6 more to your first diamond award)
Cadie Kalmes 48 (Award ring)
Stacy O'Quinn 46 (Award ring)
Jackie O'Quinn 37 (Award ring)
Michelle Tascoe 36 (Award ring)
Angela Lasher 34 (Award ring)
Deon Danner 28
Natalie White 28
Jessica Fletcher 26
Tara Hayes 21
Jessica Wendelboe 17
Renae Heikkila 17
Richard Birney Smith 17
Hilary Snyder 15
Lynn Kessler-Fallon 15
Tanya Peck 13
Nike Roach 12
Eddie Indouze 11
Crystal Maguire 10
Rojan Alexander 10
Diana Repko 9
Staci Smith 9
Keri Skarin 8
Rob Larson 8
Connie and DJ Castro 7
Max Melonuk 7
Heather Maidment 6
Lisa Sierocki 6
Andrea DeRego 5
Barbara Trudgian 5
Elizabeth Still 5
Jennifer Baker 5
Mary and Diana Letourneau 5
Sue Caylor 5
Brad Colmenares 4
Courtney Cunningham 4
Jolynn Skarin 4
Judy Poague 4
Bill and Sandy Leddon 3
Carol Bliz 3
David DeRego 3
Geanean Roberts 3
Jacqueline McQuaide 3
Jean-Francois Gemme 3
Matt Pinter 3
Melanie Stevenson 3
Naomi Knight 3
Nate Anderson 3
Rand and Judy Baker 3
Rosie Feasby 3
Sandra Hardy 3
Stephanie Johnson 3
Thomas Parrilla 3
Carolyn Mauer 2
Collette Foster 2
Emund Odai 2
Gloria King 2
Heather Wallace 2
Linda Allen 2
Mary Gamble 2
Mary Wight 2
Melody Futrell 2
Ryan Johnson 2
Stacie Blackstead 2
Kenny Wilkinson 2
Angela McRorey 1
Anna Diaz 1
Cynthia Chamberlain 1
Daniel Goff 1
David Bayer 1
Deborah Mims 1
Edward Miller 1
Emmanuel 1
Eric Ledwith 1
Jay Jackson 1
Jena Vasquez 1
Judy Girardi 1
Kathy Allen 1
Linda Siddons 1
Lisa Conway 1
Marietta Vermooten 1
Melanie Carter 1
Veronica Lane 1
Yen Tsutsumi 1
Jennifer Nalls 1
Robbie Morrison 1
Kathie Babka 1
Tara Hills 1
Mark Bohde 1
We have a mission of creating 100 brand new Millionaires in the next 10 years. Each of you are apart of this mission!
To your success,
DFILive Support Team
DFIFeedback@gmail.com
1-866-628-4129
__________________________________________________
Thank you DFI, and thanks to all of our leaders who volunteer their time to make sure that we all are able to have the opportunity to build a successful business from home.
Thanks for reading,
Jackie O'Quinn
My Website >> www.flexiblebiz.com/goland1/leaderboard
Tuesday, March 01, 2011
Email from Mike and my response
Sent: Mon, February 28, 2011 8:14:31 PM
Subject: Re: Mike read this before 10 pm EST
Listen I would love to make that kind of money staying home. But it just don't sound like it that easy I'm a full time business owner and always working to make a living and its hard too. So if it was that easy then I would do it. Nothing is for free today in this country and to make like you said that kind of money just seems like a bluff to me. Like I said I would love to but I prob have a better chance to win the lotto.
Sent from my Verizon Wireless BlackBerry
---------------------------------------------------------------------------------------
My Response
Hello Mike,
I appreciate your response. You are right in that it is a business and all business require work. However, let me reference a brief story from my grandfather in late 2004. Just a few months after me starting with Coastal.
My grandfather had been diagnosed with esophageal cancer and I knew that this could lead to his death. While he was still relatively healthy one Wednesday morning I was visiting him at his house. Now a little background on my grand father. He was a self made business man. He started out when he married my grandmother they had dirt floors. He was a manual laborer on a farm, eventually got an entry level position with Mayflower moving company. Moved his way up to clerk with Mayflower and always saved money. One day he saw a mom and pop moving company called Faircloth moving company and he bought it. He worked that company for several years until he retired in his fifties but then he started another business later.
On my visit I thought it was time to learn from my granfather's wisdom knowing he may not be able to share that with me much longer. Being a Cancer Nurse prior to my Coastal career I knew patients always had alot of wisdom to share if you asked and listened. So that is what I decided to do. Here is that conversation as best as I can remember.
Jackie: Papa, if you would tell me anything about business that you feel I should know what would it be.
He contemplated as if he knew this was a serious question and he wanted to give a good response.
Papa: I can tell you two things. First find a business that pays you the most for your efforts and don't feel guilty about how much money other people DON'T make.
Jackie: What do you mean?
Papa: Well let me give you an example. Jackie, you know me and your grandma started out very poor. I remember thinking life would never be any different for us. Back then I just wanted to land a decent job, so I got that job at Mayflower and I was proud of that. I learned that business inside and out. So one day I saw a moving company for sale in the paper and I decided to use my saving and buy it. That was in the 60s and we thought we really had something. We brought in gross revenues of $300,000 a year but would only profit about $30,000 which was still good money back then but it was incredibly hard work. I was never home and me and one of my sons were driving all over the country moving people and businesses. You were always paying out far more than you could ever keep. It felt crazy but it was all I knew and I just assumed that is how business was. Then when I was in my early fifties I told your grandma we had plenty of money in savings and I was out of the moving business so I retired. Now this is the lesson I want you to learn Jackie.
One day I was bored of being at home, I saw a small convience store for sale out in Dudley. I had never ran a convienent store and knew nothing about it but figured if I broke even at least it would give me something to do each day. It was cheap so I bought it. Jackie, I worked a lot of hours at that convienent store. I loved every minute of it. I had the men that would come in the morning and talk with me and then I had the men in the evening that would come in, it was like people were always visiting me. I worked alot of hours there but it was very easy work. Jackie, I was shocked at how much money you could make in the convienent store business. If I would have known how much money you could make for the effort that you put in, I would have owned a convienent store my entire life!
alittle nervous to ask what I was thinking but I had to know
Jackie: Well Papa, how much money did you make?
Papa: (with his eyebrows raised) Jackie in the late 70s and 80s I did an average net profit of $108,000 a year and never worked even close to what I did with the moving business. All businesses are NOT created equal. Find the one that will pay you the most and work it hard. This new thing you are doing from home it sounds like that could be a good business. (he was talking about Coastal, I had shared alittle of it with him and some of the money I was starting to make).
I had to go back to his second piece of advice
Jackie: Papa you said, also something about never feel bad about how much money someone else is NOT making what did you mean by that?
Papa: I'll give you a good example. In the convienent store business, I did put in long hours 60 sometimes 70 a week but I loved every minute of it. I was also beginning to feel like I was getting rich. I have always lived pretty modest and I had plenty of money. However, I started to feel guilty about my bookkeeper and my stock guy. I had only one main employee he was a great guy, and I only paid him $10,000 a year back then. I had a bookkeeper and I paid her about $7 an hour back then. I went through a time where I thought I should be paying them more. They had needs in their lives, I heard them complain about not having money and I was making plenty of it. Jackie, I thought more about that. I asked myself what would really change for them if I paid them more money. Would they work any harder? Would they be more efficient? Would that solve their financial problems?
Then I realized, both of the people were better off than I was when I started my young adult life. What is keeping them from doing more with what they got? How come my bookkeeper doesn't grow her business? Both of these people had options in their life that was better than me just giving them more money. More money would not solve their problems. Jackie, you can not feel guilty nor is it your responsibility to look out for the well being of people who make choices not to do more with what is already in front of them. But you need to find a business that will pay you the most for the effort that you put in.
All businesses are NOT created equal....
(My grandfather did eventually pass away full of dignity as an honorable patriach. I wish he could see me now. More importantly I wish he could see people like Stacy in NC, Rob and Meggan in Ontario, Andrea in TX, Tara and Gavin in Ontario, Stephen in FL, Selene in FL, Bob in WA, and so many more that have successful businesses today mainly because of the advice that he gave me and I have followed it whole heartedly. )
Mike, I wish you the best with your business. If you want to do some serious research and check us out feel free to give me a call I will be glad to schedule an interview with you. 1-888-309-5759.
All the best,
Jackie O'Quinn
Subject: Re: Mike read this before 10 pm EST
Listen I would love to make that kind of money staying home. But it just don't sound like it that easy I'm a full time business owner and always working to make a living and its hard too. So if it was that easy then I would do it. Nothing is for free today in this country and to make like you said that kind of money just seems like a bluff to me. Like I said I would love to but I prob have a better chance to win the lotto.
Sent from my Verizon Wireless BlackBerry
---------------------------------------------------------------------------------------
My Response
Hello Mike,
I appreciate your response. You are right in that it is a business and all business require work. However, let me reference a brief story from my grandfather in late 2004. Just a few months after me starting with Coastal.
My grandfather had been diagnosed with esophageal cancer and I knew that this could lead to his death. While he was still relatively healthy one Wednesday morning I was visiting him at his house. Now a little background on my grand father. He was a self made business man. He started out when he married my grandmother they had dirt floors. He was a manual laborer on a farm, eventually got an entry level position with Mayflower moving company. Moved his way up to clerk with Mayflower and always saved money. One day he saw a mom and pop moving company called Faircloth moving company and he bought it. He worked that company for several years until he retired in his fifties but then he started another business later.
On my visit I thought it was time to learn from my granfather's wisdom knowing he may not be able to share that with me much longer. Being a Cancer Nurse prior to my Coastal career I knew patients always had alot of wisdom to share if you asked and listened. So that is what I decided to do. Here is that conversation as best as I can remember.
Jackie: Papa, if you would tell me anything about business that you feel I should know what would it be.
He contemplated as if he knew this was a serious question and he wanted to give a good response.
Papa: I can tell you two things. First find a business that pays you the most for your efforts and don't feel guilty about how much money other people DON'T make.
Jackie: What do you mean?
Papa: Well let me give you an example. Jackie, you know me and your grandma started out very poor. I remember thinking life would never be any different for us. Back then I just wanted to land a decent job, so I got that job at Mayflower and I was proud of that. I learned that business inside and out. So one day I saw a moving company for sale in the paper and I decided to use my saving and buy it. That was in the 60s and we thought we really had something. We brought in gross revenues of $300,000 a year but would only profit about $30,000 which was still good money back then but it was incredibly hard work. I was never home and me and one of my sons were driving all over the country moving people and businesses. You were always paying out far more than you could ever keep. It felt crazy but it was all I knew and I just assumed that is how business was. Then when I was in my early fifties I told your grandma we had plenty of money in savings and I was out of the moving business so I retired. Now this is the lesson I want you to learn Jackie.
One day I was bored of being at home, I saw a small convience store for sale out in Dudley. I had never ran a convienent store and knew nothing about it but figured if I broke even at least it would give me something to do each day. It was cheap so I bought it. Jackie, I worked a lot of hours at that convienent store. I loved every minute of it. I had the men that would come in the morning and talk with me and then I had the men in the evening that would come in, it was like people were always visiting me. I worked alot of hours there but it was very easy work. Jackie, I was shocked at how much money you could make in the convienent store business. If I would have known how much money you could make for the effort that you put in, I would have owned a convienent store my entire life!
alittle nervous to ask what I was thinking but I had to know
Jackie: Well Papa, how much money did you make?
Papa: (with his eyebrows raised) Jackie in the late 70s and 80s I did an average net profit of $108,000 a year and never worked even close to what I did with the moving business. All businesses are NOT created equal. Find the one that will pay you the most and work it hard. This new thing you are doing from home it sounds like that could be a good business. (he was talking about Coastal, I had shared alittle of it with him and some of the money I was starting to make).
I had to go back to his second piece of advice
Jackie: Papa you said, also something about never feel bad about how much money someone else is NOT making what did you mean by that?
Papa: I'll give you a good example. In the convienent store business, I did put in long hours 60 sometimes 70 a week but I loved every minute of it. I was also beginning to feel like I was getting rich. I have always lived pretty modest and I had plenty of money. However, I started to feel guilty about my bookkeeper and my stock guy. I had only one main employee he was a great guy, and I only paid him $10,000 a year back then. I had a bookkeeper and I paid her about $7 an hour back then. I went through a time where I thought I should be paying them more. They had needs in their lives, I heard them complain about not having money and I was making plenty of it. Jackie, I thought more about that. I asked myself what would really change for them if I paid them more money. Would they work any harder? Would they be more efficient? Would that solve their financial problems?
Then I realized, both of the people were better off than I was when I started my young adult life. What is keeping them from doing more with what they got? How come my bookkeeper doesn't grow her business? Both of these people had options in their life that was better than me just giving them more money. More money would not solve their problems. Jackie, you can not feel guilty nor is it your responsibility to look out for the well being of people who make choices not to do more with what is already in front of them. But you need to find a business that will pay you the most for the effort that you put in.
All businesses are NOT created equal....
(My grandfather did eventually pass away full of dignity as an honorable patriach. I wish he could see me now. More importantly I wish he could see people like Stacy in NC, Rob and Meggan in Ontario, Andrea in TX, Tara and Gavin in Ontario, Stephen in FL, Selene in FL, Bob in WA, and so many more that have successful businesses today mainly because of the advice that he gave me and I have followed it whole heartedly. )
Mike, I wish you the best with your business. If you want to do some serious research and check us out feel free to give me a call I will be glad to schedule an interview with you. 1-888-309-5759.
All the best,
Jackie O'Quinn
Saturday, February 26, 2011
Dani Johnson on The View
Dani Johnson Home Business Coach and founder of 5 separate companies will be appearing on The View with Barbara Walters March 4th and Good Morning America March 3rd. Dani Johnson has taught tens of thousands on how to create a legitimate home business and to do it very well. This is an incredible opportunity for Dani Johnson to be able to share her own story of going from homeless to Millionaire in just two years (by the way that was with a home business). Dani Johnson not only created a lucrative home business for herself but she has helped 10,000’s over the years to be able to do the same and you can’t argue with the results.
I’m one of them personally. Before Dani’s business training I was Registered Nurse in debt and living paycheck to paycheck, totally stressed out. Today through her specific training I learned how to generate $15,000 my first month out of one of her training seminars. It was the most insane feeling on the planet and I knew my life would never be the same. That year working part time I earned $70,000 with my Coastal business, only earning $32,000 as an RN. Obviously at the end of that year I left nursing for a much more fulfilling carreer with Coastal. My second year with our company I earned $120,000 but it didn't stop there...
Over the last several years I’ve had the pleasure of teaching 100’s of people exactly how to apply what Dani has taught me. Our company is amazing allowing us to telecommute and generate this kind of income. But I don’t share this experience to impress you but to impress upon you that Dani Johnson’s home business training, with the right company, can help you make an incredible income and be able to have a rewarding career at the same time.
To learn more don’t miss The View with Barbara Walters on March 4th and Good Morning America on March 3rd. Both The View with Barbara Walters and Good Morning America are great conversational shows should be Awesome.
Thanks for reading,
Jackie O'Quinn
International Coastal Director
(Since 2004)
1-888-309-5759
Website: http://www.flexiblebiz.com/theview
I’m one of them personally. Before Dani’s business training I was Registered Nurse in debt and living paycheck to paycheck, totally stressed out. Today through her specific training I learned how to generate $15,000 my first month out of one of her training seminars. It was the most insane feeling on the planet and I knew my life would never be the same. That year working part time I earned $70,000 with my Coastal business, only earning $32,000 as an RN. Obviously at the end of that year I left nursing for a much more fulfilling carreer with Coastal. My second year with our company I earned $120,000 but it didn't stop there...
Over the last several years I’ve had the pleasure of teaching 100’s of people exactly how to apply what Dani has taught me. Our company is amazing allowing us to telecommute and generate this kind of income. But I don’t share this experience to impress you but to impress upon you that Dani Johnson’s home business training, with the right company, can help you make an incredible income and be able to have a rewarding career at the same time.
To learn more don’t miss The View with Barbara Walters on March 4th and Good Morning America on March 3rd. Both The View with Barbara Walters and Good Morning America are great conversational shows should be Awesome.
Thanks for reading,
Jackie O'Quinn
International Coastal Director
(Since 2004)
1-888-309-5759
Website: http://www.flexiblebiz.com/theview
Thursday, February 17, 2011
Dani Johnson on Oprah Winfrey!
Today on Oprah, our Company's trainer Dani Johnson will be featured in a segment.
Obviously if you have reviewed through our website. Then you have realized there is NO better way to create a real income fast from home. Sometimes, people will say. I get the products great, I can see how the profit margins are spectacular. It makes sense that you could make money fast if you can find clients.
So how do you find clients?
It's a great question, the way we find our clients with through advertising companies that we work with like www.SnapResponse.com and with the techniques that are taught by our Corporate trainer Dani Johnson.
Everyone in our company that has went on to earn $100,000 or more per year has learned directly from Mrs. Dani Johnson. We have always been both humbled and proud to work with her. Proud of who she is, what she represents, and where she comes from. Humbled, by the sheer speed at which we have been able to change our lives with Coastal because of her training!
Today we will be rooting her own at 4 pm EST on the Oprah Winfrey Show. GO DANI GO!!!
To your success,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
Website www.FlexibleBiz.com/goland1/danijohnson
Obviously if you have reviewed through our website. Then you have realized there is NO better way to create a real income fast from home. Sometimes, people will say. I get the products great, I can see how the profit margins are spectacular. It makes sense that you could make money fast if you can find clients.
So how do you find clients?
It's a great question, the way we find our clients with through advertising companies that we work with like www.SnapResponse.com and with the techniques that are taught by our Corporate trainer Dani Johnson.
Everyone in our company that has went on to earn $100,000 or more per year has learned directly from Mrs. Dani Johnson. We have always been both humbled and proud to work with her. Proud of who she is, what she represents, and where she comes from. Humbled, by the sheer speed at which we have been able to change our lives with Coastal because of her training!
Today we will be rooting her own at 4 pm EST on the Oprah Winfrey Show. GO DANI GO!!!
To your success,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
Website www.FlexibleBiz.com/goland1/danijohnson
Monday, February 14, 2011
Dani Johnson, helped them make over $1,000 last week!
One of my favorite things about working from home is watching others who also enjoy the work from home lifestyle. These are just some of the people that I am aware of from last week. All of these people made money last week. This is cash in hand!
Where else can stay at home moms and dads earn this kind of income on a weekly basis. This list is not conclusive, these are just some of the people that I have talked to or heard share on a conference call so obviously there are others that I didn't hear about.
All of these people below, have one thing in common. They are went to First Step to Success with Dani Johnson after starting their Coastal Travel business. Dani Johnson, is our company trainer, who confidently is going to be on the Oprah Winfrey show this coming Thursday!
Congrats to…
Jolynn Skarin– $9,705
Stacy O’Quinn– $8,000
Angela Lasher– $4,200
Hilary Snyder– $3,200
Jackie O’Quinn– $3,200
Jennifer Baker– $3,200
Cadie Kalmes– $1,000
Lynne Fallon– $1,000
Meggan Larson– $1,000
Jessica Wendelboe– $1,000
Natalie White -- $3,200
Every single one of these men and women has very different backgrounds, but they have one thing in common. They are all incredible leaders in DFI Coastal Travel and they have all graduated from First Steps to Success with Dani Johnson. Dani Johnson’s Home Business training is proven to create results.
Thanks for reading,
Jackie O'Quinn
International Coastal Director
(Since 2004)
1-888-309-5759
www.FlexibleBiz.com << apply here for work from home position
Where else can stay at home moms and dads earn this kind of income on a weekly basis. This list is not conclusive, these are just some of the people that I have talked to or heard share on a conference call so obviously there are others that I didn't hear about.
All of these people below, have one thing in common. They are went to First Step to Success with Dani Johnson after starting their Coastal Travel business. Dani Johnson, is our company trainer, who confidently is going to be on the Oprah Winfrey show this coming Thursday!
Congrats to…
Jolynn Skarin– $9,705
Stacy O’Quinn– $8,000
Angela Lasher– $4,200
Hilary Snyder– $3,200
Jackie O’Quinn– $3,200
Jennifer Baker– $3,200
Cadie Kalmes– $1,000
Lynne Fallon– $1,000
Meggan Larson– $1,000
Jessica Wendelboe– $1,000
Natalie White -- $3,200
Every single one of these men and women has very different backgrounds, but they have one thing in common. They are all incredible leaders in DFI Coastal Travel and they have all graduated from First Steps to Success with Dani Johnson. Dani Johnson’s Home Business training is proven to create results.
Thanks for reading,
Jackie O'Quinn
International Coastal Director
(Since 2004)
1-888-309-5759
www.FlexibleBiz.com << apply here for work from home position
Tuesday, February 01, 2011
Who is Dani Johnson?
Dani Johnson, is America's favorite Secret Millionaire. That is how most people will know here anyway. However, I found out about her in the fall of 2005, before Dani Johnson become the Secret Millionaire. Back then she was a sought after business coach. I was first made aware of her at a time in my life when I had started a small business out of my house. I was working with a marketing company as an independent rep. I didn't know what I was doing and had never worked for myself before. At the time I had a full time job as a Registered Nurse. I loved nursing, and breaking the stereotypes of men in the nursing field. But, I was in DEBT, and wanted control of my life back. Therefore I found a position available to establish myself as a marketing rep for a travel company. I had heard this company had a track record of helping their reps earn as much as $100,000 per year while only working part time. So I got invested and went to work. It was not long after that, I was told about Dani Johnson (the Secret Millionaire). I went to her website and heard her story. She had went from $2.03 to her name homeless to earning over $1 million dollars in two years all starting from a payphone booth. I had been in business only for a couple of months when I heard about her. I had made alittle money but not nearly what I was wanting to earn.
I hopped on a plane and flew to Los Angeles to see Dani Johnson long before she was the Secret Millionaire on ABC. That was in September of 2005. After applying the principles in that training seminar I generated $15,000 in my first 30 days. It took me 5 or 6 months to make that as an RN. My first year working part time we earned $70,000 which was double what I made as a nurse. I left my nursing career behind, earned $120,000 in my second year and haved earned hundreds of thousands since then.
That's not even the best part... With Dani Johnson's training our company formed a marketing team known as Decide Freedom International with the primary focus of using Dani Johnson's training and her Secret Millionaire principles to train new reps. in our company. Our company is the ONLY company that has made Dani Johnson, our primary corporate trainer. We have used her training successfully for over 5 years. There is no other company, that has our track record of using Dani's Secret Millionaire principles to create more stay at home Mom's and Dad's that have went on to earn in excess of $100,000 per year part time.
Here are just a couple of examples. Shawn in California, after attending Dani Johnson's training earned over $50,000 in his first 100 days.
Stacy in North Carolina, earned $15,000 in his first month out of Dani's training seminar.
Andrea in Texas, earned $60,000 part time from January to May after attending Dani Johnson's training event.
Rob and Meggan Larson in Ontario, generated over $22,400 in their first 2 weeks with our company because of applying the principles taught by the Secret Millionaire Dani Johnson.
If you want to increase your income, get out of debt, and live a lifestyle that will allow you to donate tens of thousands of dollars to some of your favorite causes then you may apply to work with our company. To be completely honest, we are slammed right now due to the recent publicity and don't have many positions left to fill. I have two positions available to train new reps you can call me directly at 1-888-309-5759 to request an interview. If you don't sound professional and enthusiastic to land a position with our company then you are NOT likely to get an interview.
To your success,
Jackie O'Quinn
International Coastal Director
(Since 2005)
1-888-309-5759
I hopped on a plane and flew to Los Angeles to see Dani Johnson long before she was the Secret Millionaire on ABC. That was in September of 2005. After applying the principles in that training seminar I generated $15,000 in my first 30 days. It took me 5 or 6 months to make that as an RN. My first year working part time we earned $70,000 which was double what I made as a nurse. I left my nursing career behind, earned $120,000 in my second year and haved earned hundreds of thousands since then.
That's not even the best part... With Dani Johnson's training our company formed a marketing team known as Decide Freedom International with the primary focus of using Dani Johnson's training and her Secret Millionaire principles to train new reps. in our company. Our company is the ONLY company that has made Dani Johnson, our primary corporate trainer. We have used her training successfully for over 5 years. There is no other company, that has our track record of using Dani's Secret Millionaire principles to create more stay at home Mom's and Dad's that have went on to earn in excess of $100,000 per year part time.
Here are just a couple of examples. Shawn in California, after attending Dani Johnson's training earned over $50,000 in his first 100 days.
Stacy in North Carolina, earned $15,000 in his first month out of Dani's training seminar.
Andrea in Texas, earned $60,000 part time from January to May after attending Dani Johnson's training event.
Rob and Meggan Larson in Ontario, generated over $22,400 in their first 2 weeks with our company because of applying the principles taught by the Secret Millionaire Dani Johnson.
If you want to increase your income, get out of debt, and live a lifestyle that will allow you to donate tens of thousands of dollars to some of your favorite causes then you may apply to work with our company. To be completely honest, we are slammed right now due to the recent publicity and don't have many positions left to fill. I have two positions available to train new reps you can call me directly at 1-888-309-5759 to request an interview. If you don't sound professional and enthusiastic to land a position with our company then you are NOT likely to get an interview.
To your success,
Jackie O'Quinn
International Coastal Director
(Since 2005)
1-888-309-5759
Wednesday, January 19, 2011
Dani Johnson is on Secret Millionaire
I have had family and friends ask me several times. Why do I think Coastal is such a good business or why do I think I have been able to succeed with it? I can give plenty of answers to this question. Many times I start by discussing the obvious things like, the travel packages are unique products, they offer great value to the consumer, and we are paid handsomely when people buys something many already want, discount travel.
But that's not the full story, in fact its not even the most important part. I would never have succeeded with Coastal had in not been for a very special lady I discovered several years ago early in my business. Her name is Dani Johnson, she is a home business Coach who literally went from homeless to earning her first $1,000,000 in two years. She does training events called First Steps to Success.
It was through her training that I had my first 5 figure month and went on to earning $190,000 my first two years in business working PART TIME. Dani Johnson, is now the only home business coach recommended by DFI for Coastal businesses. She has been instrucmental in ALL of our leader's success. This woman is for real, she practice what she preaches and she is what she teaches.
We just found out she is going to be featured on a new TV show coming on ABC called The Secret Millionaire. Check it out, she is the lady with the long blonde hair.
To your success,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
Website: http://www.flexiblebiz.com/goland1/secretmillionaire
But that's not the full story, in fact its not even the most important part. I would never have succeeded with Coastal had in not been for a very special lady I discovered several years ago early in my business. Her name is Dani Johnson, she is a home business Coach who literally went from homeless to earning her first $1,000,000 in two years. She does training events called First Steps to Success.
It was through her training that I had my first 5 figure month and went on to earning $190,000 my first two years in business working PART TIME. Dani Johnson, is now the only home business coach recommended by DFI for Coastal businesses. She has been instrucmental in ALL of our leader's success. This woman is for real, she practice what she preaches and she is what she teaches.
We just found out she is going to be featured on a new TV show coming on ABC called The Secret Millionaire. Check it out, she is the lady with the long blonde hair.
To your success,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
Website: http://www.flexiblebiz.com/goland1/secretmillionaire
Sunday, December 26, 2010
Get DEBT FREE in 2011
I hope you have had a great Christmas! We just got home to Atlanta, after visiting family in North Carolina for the holidays. On the way home, I was thinking about this past year and what we have been able to accomplish with our Coastal business. For starters as of this month we are 100% DEBT FREE, which was my New Year's resolution this year!
This made me think about all of the people who have that same New Year's Resolution for 2011. That lead me to create my New Year's Resolution for 2011. I want to see how many people I can personally help become 100% Debt Free in 2011. I will share with you some of the strategies I have been able to use to cut my interest rates in half, pay off my debts 4 times faster than expected, and I can show you how I used my Coastal Income to compound all of this.
I wish it was as simple as saying, go here make a pile of money and pay off all of your debt. 4 years ago, I attempted that strategy and fell flat on my face. Making money did help but only after applying the other strategies I have discovered. I have 2 applicants already for this strategy, they are Rob and Meggan Larson from Ontario, Canada.
Rob and Meggan, just had a beautiful baby and decided to start a business from home with Coastal Travel. Although, Rob has a small landscaping business it is really up and down depending on the time of the year. Meggan, wanted something she could do to stay home with their new baby. They contacted me via the internet and completely an interview with our company. They came in at the top position about 6 weeks ago. Since that time they have already generated $20,405.00 with their Coastal business. They called me on Christmas Eve, and told me they have decided to purchase their first home as a young couple. I can't tell you how EXTREMELY proud of them I am.
I know, all of this still has not hit home for them and they still feel like they are walking in a dream. I was proud to hear they are buying their first home but my very next thought was "Now how fast can we get that paid off"! Being debt free is true freedom and I want them to experience that and they have already expressed that same goal.
I am looking for other applicants to help become debt free... if you want to become debt free in 2011. then give me a call at 1-888-309-5759 and let me know when you are available for a prescreening interview. If you are serious, and ready to make some new choices in life and apply some new strategies to your life then you may very well be selected.
Happy Holidays,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
My Website: http://www.flexiblebiz.com/goland1/RobMeggan
This made me think about all of the people who have that same New Year's Resolution for 2011. That lead me to create my New Year's Resolution for 2011. I want to see how many people I can personally help become 100% Debt Free in 2011. I will share with you some of the strategies I have been able to use to cut my interest rates in half, pay off my debts 4 times faster than expected, and I can show you how I used my Coastal Income to compound all of this.
I wish it was as simple as saying, go here make a pile of money and pay off all of your debt. 4 years ago, I attempted that strategy and fell flat on my face. Making money did help but only after applying the other strategies I have discovered. I have 2 applicants already for this strategy, they are Rob and Meggan Larson from Ontario, Canada.
Rob and Meggan, just had a beautiful baby and decided to start a business from home with Coastal Travel. Although, Rob has a small landscaping business it is really up and down depending on the time of the year. Meggan, wanted something she could do to stay home with their new baby. They contacted me via the internet and completely an interview with our company. They came in at the top position about 6 weeks ago. Since that time they have already generated $20,405.00 with their Coastal business. They called me on Christmas Eve, and told me they have decided to purchase their first home as a young couple. I can't tell you how EXTREMELY proud of them I am.
I know, all of this still has not hit home for them and they still feel like they are walking in a dream. I was proud to hear they are buying their first home but my very next thought was "Now how fast can we get that paid off"! Being debt free is true freedom and I want them to experience that and they have already expressed that same goal.
I am looking for other applicants to help become debt free... if you want to become debt free in 2011. then give me a call at 1-888-309-5759 and let me know when you are available for a prescreening interview. If you are serious, and ready to make some new choices in life and apply some new strategies to your life then you may very well be selected.
Happy Holidays,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
My Website: http://www.flexiblebiz.com/goland1/RobMeggan
Wednesday, October 27, 2010
HOLY COW!
Just got one of the most exciting emails I have ever received from DFI. I'm going to Copy and Paste below.
Jackie,
There is something new coming to DFI. Make sure you are ready for this. Get all the details on the Six Figure Income Club Thursday night at 10 pm EST. The phone number is 816-410-7493 pin# 607556#.
Decide Freedom International, is about to do something that will create worldwide headlines throughout the business community. Every decade or so their are pivotal moments that take place. The people who capitalize on those moments usually end up creating great wealth and international notority and change the future of our planet in someway. Just look at history:
The 1920s: Great depression saw fortunes of the Kennedy's, Rockerfeller's and Livermore's grow exponentially because they took advantage of those circumstances.
The 1980s: Saw the growth and dominance of Microsoft, IBM, Dell, Macintosh the owners and shareholders got rich and totally changed technology.
The 1990s: Saw Google and Yahoo come on to the scene and capitalized on the popularity of the internet and completely changed the way we use the internet.
The 2000s: After the tech bubble we see the emergence of Social Media and watch as Facebook become the leader. While a young 28 year old simultaneously become one of the youngest Billionaires in history and gave us a whole new way to stay in contact with friends and family members.
The 2010s, are just starting with a housing crisis, and high unemployeement, we have a hunch on who and is going to capitalize and who is going to make news over the next decade. We even know exactly how they plan to do it and approximately how much money will be made!
Find out for yourself, Thursday at 10 pm EST 816-410-7493 pin# 607556#
This is going to be pivotal,
DFILive Support Team
DFIFeedback@gmail.com
1-866-628-4129
That officially has me pretty excited...
All the best,
Jackie O'Quinn
Website: http://www.flexiblebiz.com/goland1
Jackie,
There is something new coming to DFI. Make sure you are ready for this. Get all the details on the Six Figure Income Club Thursday night at 10 pm EST. The phone number is 816-410-7493 pin# 607556#.
Decide Freedom International, is about to do something that will create worldwide headlines throughout the business community. Every decade or so their are pivotal moments that take place. The people who capitalize on those moments usually end up creating great wealth and international notority and change the future of our planet in someway. Just look at history:
The 1920s: Great depression saw fortunes of the Kennedy's, Rockerfeller's and Livermore's grow exponentially because they took advantage of those circumstances.
The 1980s: Saw the growth and dominance of Microsoft, IBM, Dell, Macintosh the owners and shareholders got rich and totally changed technology.
The 1990s: Saw Google and Yahoo come on to the scene and capitalized on the popularity of the internet and completely changed the way we use the internet.
The 2000s: After the tech bubble we see the emergence of Social Media and watch as Facebook become the leader. While a young 28 year old simultaneously become one of the youngest Billionaires in history and gave us a whole new way to stay in contact with friends and family members.
The 2010s, are just starting with a housing crisis, and high unemployeement, we have a hunch on who and is going to capitalize and who is going to make news over the next decade. We even know exactly how they plan to do it and approximately how much money will be made!
Find out for yourself, Thursday at 10 pm EST 816-410-7493 pin# 607556#
This is going to be pivotal,
DFILive Support Team
DFIFeedback@gmail.com
1-866-628-4129
That officially has me pretty excited...
All the best,
Jackie O'Quinn
Website: http://www.flexiblebiz.com/goland1
Sunday, October 24, 2010
What have I been up to lately...
I haven't updated my blog lately and there has been no particular reason for not updating it. At times I feel like I have nothing to add but this morning just reflecting on my last couple of blog posts I realized there are several things that I can at least update on.
Well business does continue to do well over all. Decide Freedom International continues to grow which is obvious by our conference call participation. Also D.F.I started a team site which looks great. You can check it out for your self at http://www.dfiteam.com/. In the past couple of months we had our first DFI ring winner, Mrs. Cadie Kalmes. Mrs. Kalmes, was the first person to bring in 30 new clients/members into her Coastal Travel business with DFI since the launch of the DFI Ring promotion. You can see a picture of that ring here >> http://www.dfiring.com/. I have almost won mine and would love to be the first male in our company to achieve that.
Also in my personal business I have joined together with a group of individuals all building their Coastal businesses together. We have started working together out of a virtual office (chat room), in the evenings. We all made a 3 month commitment to invest in advertising and really ramp up our businesses from Oct through December. Although we are in our first month, this has been a fun experiment and it's looking like we are definately getting the results we were hoping to get. I was excited to do this because I'm convinced that we haven't even seen a very small portion of what can be accomplished with Coastal Travel. I believe that we can hit annual incomes of $250,000 to $500,000 a year. I say that because I know that I have been able to earn $100,000 a year and be comfortable working a part time and some times inconsistent schedule. Over the next year or two I expect to prove this hypothesis.
On a more personal financial note. I have been doing some more research and investing in the Forex markets. This is something I rarely discuss but I will say this. I am extremely excited aboout what has started to be accomplished in my portfolio. Even though, I'm in the early stages it is very exciting. When you combine the level of returns I may be able to achieve with the free cashflow from a Coastal Travel business. It's an incredible combination.
This is Sunday afternoon and I'm on my back patio with our Yorkie named Mia. She is curiously watching the neighbors as the breeze blow by on this wonderfully peaceful day. Sunday is always a restful day for me so I'm going to sign off for a bit. I'm looking forward to Monday as usual it's a day of new oppurtunity. I consider it a great privledge to work from home. Have a great day!
All the best,
Jackie O'Quinn
http://www.flexiblebiz.com/goland1
Well business does continue to do well over all. Decide Freedom International continues to grow which is obvious by our conference call participation. Also D.F.I started a team site which looks great. You can check it out for your self at http://www.dfiteam.com/. In the past couple of months we had our first DFI ring winner, Mrs. Cadie Kalmes. Mrs. Kalmes, was the first person to bring in 30 new clients/members into her Coastal Travel business with DFI since the launch of the DFI Ring promotion. You can see a picture of that ring here >> http://www.dfiring.com/. I have almost won mine and would love to be the first male in our company to achieve that.
Also in my personal business I have joined together with a group of individuals all building their Coastal businesses together. We have started working together out of a virtual office (chat room), in the evenings. We all made a 3 month commitment to invest in advertising and really ramp up our businesses from Oct through December. Although we are in our first month, this has been a fun experiment and it's looking like we are definately getting the results we were hoping to get. I was excited to do this because I'm convinced that we haven't even seen a very small portion of what can be accomplished with Coastal Travel. I believe that we can hit annual incomes of $250,000 to $500,000 a year. I say that because I know that I have been able to earn $100,000 a year and be comfortable working a part time and some times inconsistent schedule. Over the next year or two I expect to prove this hypothesis.
On a more personal financial note. I have been doing some more research and investing in the Forex markets. This is something I rarely discuss but I will say this. I am extremely excited aboout what has started to be accomplished in my portfolio. Even though, I'm in the early stages it is very exciting. When you combine the level of returns I may be able to achieve with the free cashflow from a Coastal Travel business. It's an incredible combination.
This is Sunday afternoon and I'm on my back patio with our Yorkie named Mia. She is curiously watching the neighbors as the breeze blow by on this wonderfully peaceful day. Sunday is always a restful day for me so I'm going to sign off for a bit. I'm looking forward to Monday as usual it's a day of new oppurtunity. I consider it a great privledge to work from home. Have a great day!
All the best,
Jackie O'Quinn
http://www.flexiblebiz.com/goland1
Friday, September 10, 2010
The Common Denominator of Success
The Common Denominator of Success
by Albert E.N. Gray
“The common denominator of success --- the secret of success of every man who has ever
been successful --- lies in the fact that he formed the habit of doing things that failures
don't like to do.”
THE COMMON DENOMINATOR OF SUCCESS is as timely and inspirational, as it
was when it was first delivered in 1940. Though it was written for life insurance
professionals, it's message is equally well suited to anyone in the sales profession, or
anyone in any field of endeavor who seeks success in their professional, personal or
spiritual lives.
---
This inspiring message by Mr. Gray is one of the most timeless pieces of life insurance
literature. It first appeared as a major address at the 1940 NALU (National Association of
Life Underwriters) annual convention in Philadelphia and has been available to
association members in pamphlet form ever since. Although our author has passed away,
his words of wisdom and moving philosophy --- so manifest in "The Common
Denominator of Success" --- are part of the current life insurance scene and have real
meaning for today's professional life underwriter. Mr. Gray was an official of the
Prudential Insurance Company of America and had 30 years of continuous experience
both as an agent in the field and as a promoter and instructor in sales development. He
was known throughout the country as a writer and speaker on life insurance subjects.
---
Several years ago I was brought face to face with the very disturbing realization that I
was trying to supervise and direct the efforts of a large number of men who were trying
to achieve success, without knowing myself what the secret of success really was. And
that, naturally, brought me face to face with the further realization that regardless of what
other knowledge I might have brought to my job, I was definitely lacking in the most
important knowledge of all.
Of course, like most of us, I had been brought up on the popular belief that the secret of
success is hard work, but I had seen so many men work hard without succeeding and so
many men succeed without working hard that I had become convinced that hard work
was not the real secret even though in most cases it might be one of the requirements.
And so I set out on a voyage of discovery which carried me through biographies and
autobiographies and all sorts of dissertations on success and the lives of successful men
until I finally reached a point at which I realized that the secret I was trying to discover
lay not only in what men did, but also in what made them do it.
I realized further that the secret for which I was searching must not only apply to every
definition of success, but since it must apply to everyone to whom it was offered, it must
also apply to everyone who had ever been successful. In short, I was looking for the
common denominator of success.
And because that is exactly what I was looking for, that is exactly what I found.
But this common denominator of success is so big, so powerful, and so vitally important
to your future and mine that I'm not going to make a speech about it. I'm just going to
"lay it on the line" in words of one syllable, so simple that everyone can understand them.
The common denominator of success --- the secret of success of every man who has ever
been successful --- lies in the fact that he formed the habit of doing things that failures
don't like to do.
It's just as true as it sounds and it's just as simple as it seems. You can hold it up to the
light, you can put it to the acid test, and you can kick it around until it's worn out, but
when you are all through with it, it will still be the common denominator of success,
whether you like it or not.
It will still explain why men have come into this business of ours with every apparent
qualification for success and given us our most disappointing failures, while others have
come in and achieved outstanding success in spite of many obvious and discouraging
handicaps. And since it will also explain your future, it would seem to be a mighty good
idea for you to use it in determining just what sort of a future you are going to have. In
other words, let's take this big, all-embracing secret and boil it down to fit the individual
you.
If the secret of success lies in forming the habit of doing things that failures don't like to
do, let's start the boiling-down process by determining what are the things that failures
don't like to do. The things that failures don't like to do are the very things that you and I
and other human beings, including successful men, naturally don't like to do. In other
words, we've got to realize right from the start that success is something which is
achieved by the minority of men, and is therefore unnatural and not to be achieved by
following our natural likes and dislikes nor by being guided by our natural preferences
and prejudices.
The things that failures don't like to do, in general, are too obvious for us to discuss them
here, and so, since our success is to be achieved in the sale of life insurance, let us move
on to a discussion of the things that we as life insurance men don't like to do. Here, too,
the things we don't like to do are too many to permit specific discussion, but I think they
can all be disposed of by saying that they all emanate from one basic dislike peculiar to
our type of selling. We don't like to call on people who don't want to see us and talk to
them about something they don't want to talk about. Any reluctance to follow a definite
prospecting program, to use prepared sales talks, to organize time and to organize effort
are all caused by this one basic dislike.
Perhaps you have wondered what is behind this peculiar lack of welcome on the part of
our prospective buyers. Isn't it due to the fact that our prospects are human too? And isn't
it true that the average human being is not big enough to buy life insurance of his own
accord and is therefore prone to escape our efforts to make him bigger or persuade him to
do something he doesn't want to do by striking at the most important weakness we
possess: namely, our desire to be appreciated? Perhaps you have been discouraged by a
feeling that you were born subject to certain dislikes peculiar to you, with which the
successful men in our business are not afflicted.
Perhaps you have wondered why it is that our biggest producers seem to like to do the
things that you don't like to do.
They don't! And I think this is the most encouraging statement I have ever offered to a
group of life insurance salesmen.
But if they don't like to do these things, then why do they do them? Because by doing the
things they don't like to do, they can accomplish the things they want to accomplish.
Successful men are influenced by the desire for pleasing results. Failures are influenced
by the desire for pleasing methods and are inclined to be satisfied with such results as can
be obtained by doing things they like to do.
Why are successful men able to do things they don't like to do while failures are not?
Because successful men have a purpose strong enough to make them form the habit of
doing things they don't like to do in order to accomplish the purpose they want to
accomplish.
Sometimes even our best producers get into a slump. When a man goes into a slump, it
simply means that he has reached a point at which, for the time being, the things he
doesn't like to do have become more important than his reasons for doing them. And may
I pause to suggest to you managers and general agents that when one of your good
producers goes into a slump, the less you talk about his production and the more you talk
about his purpose, the sooner you will pull him out of his slump?
Many men with whom I have discussed this common denominator of success have said at
this point, "But I have a family to support and I have to have a living for my family and
myself. Isn't that enough of a purpose?"
No, it isn't. It isn't a sufficiently strong purpose to make you form the habit of doing the
things you don't like to do for the very simple reasons that it is easier to adjust ourselves
to the hardships of a poor living than it is to adjust ourselves to the hardships of making a
better one. If you doubt me, just think of all the things you are willing to go without in
order to avoid doing the things you don't like to do. All of which seems to prove that the
strength which holds you to your purpose is not your own strength but the strength of the
purpose itself.
Now let's see why habit belongs so importantly in this common denominator of success.
Men are creatures of habit just as machines are creatures of momentum, for habit is
nothing more or less than momentum translated from the concrete into the abstract. Can
you picture the problem that would face our mechanical engineers if there were no such
thing as momentum? Speed would be impossible because the highest speed at which any
vehicle could be moved would be the first speed at which it could be broken away from a
standstill. Elevators could not be made to rise, airplanes could not be made to fly, and the
entire world of mechanics would find itself in a total state of helplessness. Then who are
you and I to think that we can do with our own human nature what the finest engineers in
the world could not do with the finest machinery that was ever built?
Every single qualification for success is acquired through habit. Men form habits and
habits form futures. If you do not deliberately form good habits, then unconsciously you
will form bad ones. You are the kind of man you are because you have formed the habit
of being that kind of man, and the only way you can change is through habit.
The success habits in life insurance selling are divided into four main groups:
1. Prospecting habits
2. Calling habits
3. Selling habits
4. Working habits
Let's discuss these habit groups in their order.
Any successful life insurance salesman will tell you that it is easier to sell life insurance
to people who don't want it than it is to find people who do want it, but if you have not
deliberately formed the habit of prospecting for needs, regardless of wants, then
unconsciously you have formed the habit of limiting your prospecting to people who
want life insurance and therein lies the one and only real reason for lack of prospects.
As to calling habits, unless you have deliberately formed the habit of calling on people
who are able to buy but unwilling to listen, then unconsciously you have formed the habit
of calling on people who are willing to listen but unable to buy.
As to selling habits, unless you have deliberately formed the habit of calling on prospects
determined to make them see their reasons for buying life insurance, then unconsciously
you have formed the habit of calling on prospects in a state of mind in which you are
willing to let them make you see their reasons for not buying it.
As to working habits, if you will take care of the other three groups, the working habits
will generally take care of themselves because under working habits are included study
and preparation, organization of time and efforts, records, analyses, etc. Certainly you're
not going to take the trouble to learn interest-arousing approaches and sales talks unless
you're going to use them. You're not going to plan your day's work when you know in
your heart that you're not going to carry out your plans. And you're certainly not going to
keep an honest record of things you haven't done or of results you haven't achieved. So
let's not worry so much about the fourth group of success habits, for if you are taking care
of the first three groups, most of the working habits will take care of themselves and
you'll be able to afford a secretary to take care of the rest of them for you.
But before you decide to adopt these success habits, let me warn you of the importance of
habit to your decision. I have attended many sales meetings and sales congresses during
the past ten years and have often wondered why, in spite of the fact that there is so much
good in them, so many men seem to get so little lasting good out of them. Perhaps you
have attended sales meetings in the past and have left determined to do the things that
would make you successful or more successful only to find your decision or
determination waning at just the time when it should be put into effect or practice.
Here's the answer. Any resolution or decision you make is simply a promise to yourself,
which isn't worth a tinker's dam unless you have formed the habit of making it and
keeping it. And you won't form the habit of making it and keeping it unless right at the
start you link it with a definite purpose that can be accomplished by keeping it. In other
words, any resolution or decision you make today has to be made again tomorrow, and
the next day, and the next, and the next, and so on. And it not only has to be made each
day, but it has to be kept each day, for if you miss one day in the making or keeping of it,
you've got to go back and begin all over again. But if you continue the process of making
it each morning and keeping it each day, you will finally wake up some morning a
different man in a different world, and you will wonder what has happened to you and the
world you used to live in.
Here's what has happened. Your resolution or decision has become a habit and you don't
have to make it on this particular morning. And the reason for your seeming like a
different man living in a different world lies in the fact that for the first time in your life,
you have become master of yourself and master of your likes and dislikes by surrendering
to your purpose in life. That is why behind every success there must be a purpose and that
is what makes purpose so important to your future. For in the last analysis, your future is
not going to depend on economic conditions or outside influences of circumstances over
which you have no control. Your future is going to depend on your purpose in life. So
let's talk about purpose.
First of all, your purpose must be practical and not visionary. Some time ago, I talked
with a man who thought he had a purpose which was more important to him than income.
He was interested in the sufferings of his fellow man, and he wanted to be placed in a
position to alleviate that suffering. But when he analyzed his real feeling, we discovered,
and he admitted it, that what he really wanted was a real nice job dispensing charity with
other people's money and being well paid for it, along with the appreciation and feeling
of importance that would naturally go with such a job.
But in making your purpose practical, be careful not to make it logical. Make it a purpose
of the sentimental or emotional type. Remember needs are logical while wants and
desires are sentimental and emotional. Your needs will push you just so far, but when
your needs are satisfied, they will stop pushing you. If, however, your purpose is in terms
of wants and desires, then your wants and desires will keep pushing you long after your
needs are satisfied and until your wants and desires are fulfilled.
Recently I was talking with a young man who long ago discovered the common
denominator of success without identifying his discovery. He had a definite purpose in
life and it was definitely a sentimental or emotional purpose. He wanted his boy to go
through college without having to work his way through as he had done. He wanted to
avoid for his little girl the hardships which his own sister had had to face in her
childhood. And he wanted his wife and the mother of his children to enjoy the luxuries
and comforts, and even necessities, which had been denied his own mother. And he was
willing to form the habit of doing things he didn't like to do in order to accomplish this
purpose.
Not to discourage him, but rather to have him encourage me, I said to him, "Aren't you
going a little too far with this thing? There's no logical reason why your son shouldn't be
willing and able to work his way through college just as his father did. Of course he'll
miss many of the things that you missed in your college life and he'll probably have
heartaches and disappointments. But if he's any good, he'll come through in the end just
as you did. And there's no logical reason why you should slave in order that your
daughter may have things which your own sister wasn't able to have, or in order that your
wife can enjoy comforts and luxuries that she wasn't used to before she married you."
He looked at me with rather a pitying look and said, "But Mr. Gray, there's no inspiration
in logic. There's no courage in logic. There's not even happiness in logic. There's only
satisfaction. The only place logic has in my life is in the realization that the more I am
willing to do for my wife and children, the more I shall be able to do for myself."
Imagine, after hearing that story, you won't have to be told how to find your purpose orhow to identify it or how to surrender to it. If it's a big purpose, you will be big in its
accomplishment. If it's an unselfish purpose, you will be unselfish in accomplishing it.
And if it's an honest purpose, you will be honest and honorable in the accomplishment of
it. But as long as you live, don't ever forget that while you may succeed beyond your
fondest hopes and your greatest expectations, you will never succeed beyond the purpose
to which you are willing to surrender. Furthermore, your surrender will not be complete
until you have formed the habit of doing the things that failures don't like to do.
Hope you enjoyed this,
Jackie O'Quinn
International Coastal Director
Website: www.FlexibleBiz.com/goland1
by Albert E.N. Gray
“The common denominator of success --- the secret of success of every man who has ever
been successful --- lies in the fact that he formed the habit of doing things that failures
don't like to do.”
THE COMMON DENOMINATOR OF SUCCESS is as timely and inspirational, as it
was when it was first delivered in 1940. Though it was written for life insurance
professionals, it's message is equally well suited to anyone in the sales profession, or
anyone in any field of endeavor who seeks success in their professional, personal or
spiritual lives.
---
This inspiring message by Mr. Gray is one of the most timeless pieces of life insurance
literature. It first appeared as a major address at the 1940 NALU (National Association of
Life Underwriters) annual convention in Philadelphia and has been available to
association members in pamphlet form ever since. Although our author has passed away,
his words of wisdom and moving philosophy --- so manifest in "The Common
Denominator of Success" --- are part of the current life insurance scene and have real
meaning for today's professional life underwriter. Mr. Gray was an official of the
Prudential Insurance Company of America and had 30 years of continuous experience
both as an agent in the field and as a promoter and instructor in sales development. He
was known throughout the country as a writer and speaker on life insurance subjects.
---
Several years ago I was brought face to face with the very disturbing realization that I
was trying to supervise and direct the efforts of a large number of men who were trying
to achieve success, without knowing myself what the secret of success really was. And
that, naturally, brought me face to face with the further realization that regardless of what
other knowledge I might have brought to my job, I was definitely lacking in the most
important knowledge of all.
Of course, like most of us, I had been brought up on the popular belief that the secret of
success is hard work, but I had seen so many men work hard without succeeding and so
many men succeed without working hard that I had become convinced that hard work
was not the real secret even though in most cases it might be one of the requirements.
And so I set out on a voyage of discovery which carried me through biographies and
autobiographies and all sorts of dissertations on success and the lives of successful men
until I finally reached a point at which I realized that the secret I was trying to discover
lay not only in what men did, but also in what made them do it.
I realized further that the secret for which I was searching must not only apply to every
definition of success, but since it must apply to everyone to whom it was offered, it must
also apply to everyone who had ever been successful. In short, I was looking for the
common denominator of success.
And because that is exactly what I was looking for, that is exactly what I found.
But this common denominator of success is so big, so powerful, and so vitally important
to your future and mine that I'm not going to make a speech about it. I'm just going to
"lay it on the line" in words of one syllable, so simple that everyone can understand them.
The common denominator of success --- the secret of success of every man who has ever
been successful --- lies in the fact that he formed the habit of doing things that failures
don't like to do.
It's just as true as it sounds and it's just as simple as it seems. You can hold it up to the
light, you can put it to the acid test, and you can kick it around until it's worn out, but
when you are all through with it, it will still be the common denominator of success,
whether you like it or not.
It will still explain why men have come into this business of ours with every apparent
qualification for success and given us our most disappointing failures, while others have
come in and achieved outstanding success in spite of many obvious and discouraging
handicaps. And since it will also explain your future, it would seem to be a mighty good
idea for you to use it in determining just what sort of a future you are going to have. In
other words, let's take this big, all-embracing secret and boil it down to fit the individual
you.
If the secret of success lies in forming the habit of doing things that failures don't like to
do, let's start the boiling-down process by determining what are the things that failures
don't like to do. The things that failures don't like to do are the very things that you and I
and other human beings, including successful men, naturally don't like to do. In other
words, we've got to realize right from the start that success is something which is
achieved by the minority of men, and is therefore unnatural and not to be achieved by
following our natural likes and dislikes nor by being guided by our natural preferences
and prejudices.
The things that failures don't like to do, in general, are too obvious for us to discuss them
here, and so, since our success is to be achieved in the sale of life insurance, let us move
on to a discussion of the things that we as life insurance men don't like to do. Here, too,
the things we don't like to do are too many to permit specific discussion, but I think they
can all be disposed of by saying that they all emanate from one basic dislike peculiar to
our type of selling. We don't like to call on people who don't want to see us and talk to
them about something they don't want to talk about. Any reluctance to follow a definite
prospecting program, to use prepared sales talks, to organize time and to organize effort
are all caused by this one basic dislike.
Perhaps you have wondered what is behind this peculiar lack of welcome on the part of
our prospective buyers. Isn't it due to the fact that our prospects are human too? And isn't
it true that the average human being is not big enough to buy life insurance of his own
accord and is therefore prone to escape our efforts to make him bigger or persuade him to
do something he doesn't want to do by striking at the most important weakness we
possess: namely, our desire to be appreciated? Perhaps you have been discouraged by a
feeling that you were born subject to certain dislikes peculiar to you, with which the
successful men in our business are not afflicted.
Perhaps you have wondered why it is that our biggest producers seem to like to do the
things that you don't like to do.
They don't! And I think this is the most encouraging statement I have ever offered to a
group of life insurance salesmen.
But if they don't like to do these things, then why do they do them? Because by doing the
things they don't like to do, they can accomplish the things they want to accomplish.
Successful men are influenced by the desire for pleasing results. Failures are influenced
by the desire for pleasing methods and are inclined to be satisfied with such results as can
be obtained by doing things they like to do.
Why are successful men able to do things they don't like to do while failures are not?
Because successful men have a purpose strong enough to make them form the habit of
doing things they don't like to do in order to accomplish the purpose they want to
accomplish.
Sometimes even our best producers get into a slump. When a man goes into a slump, it
simply means that he has reached a point at which, for the time being, the things he
doesn't like to do have become more important than his reasons for doing them. And may
I pause to suggest to you managers and general agents that when one of your good
producers goes into a slump, the less you talk about his production and the more you talk
about his purpose, the sooner you will pull him out of his slump?
Many men with whom I have discussed this common denominator of success have said at
this point, "But I have a family to support and I have to have a living for my family and
myself. Isn't that enough of a purpose?"
No, it isn't. It isn't a sufficiently strong purpose to make you form the habit of doing the
things you don't like to do for the very simple reasons that it is easier to adjust ourselves
to the hardships of a poor living than it is to adjust ourselves to the hardships of making a
better one. If you doubt me, just think of all the things you are willing to go without in
order to avoid doing the things you don't like to do. All of which seems to prove that the
strength which holds you to your purpose is not your own strength but the strength of the
purpose itself.
Now let's see why habit belongs so importantly in this common denominator of success.
Men are creatures of habit just as machines are creatures of momentum, for habit is
nothing more or less than momentum translated from the concrete into the abstract. Can
you picture the problem that would face our mechanical engineers if there were no such
thing as momentum? Speed would be impossible because the highest speed at which any
vehicle could be moved would be the first speed at which it could be broken away from a
standstill. Elevators could not be made to rise, airplanes could not be made to fly, and the
entire world of mechanics would find itself in a total state of helplessness. Then who are
you and I to think that we can do with our own human nature what the finest engineers in
the world could not do with the finest machinery that was ever built?
Every single qualification for success is acquired through habit. Men form habits and
habits form futures. If you do not deliberately form good habits, then unconsciously you
will form bad ones. You are the kind of man you are because you have formed the habit
of being that kind of man, and the only way you can change is through habit.
The success habits in life insurance selling are divided into four main groups:
1. Prospecting habits
2. Calling habits
3. Selling habits
4. Working habits
Let's discuss these habit groups in their order.
Any successful life insurance salesman will tell you that it is easier to sell life insurance
to people who don't want it than it is to find people who do want it, but if you have not
deliberately formed the habit of prospecting for needs, regardless of wants, then
unconsciously you have formed the habit of limiting your prospecting to people who
want life insurance and therein lies the one and only real reason for lack of prospects.
As to calling habits, unless you have deliberately formed the habit of calling on people
who are able to buy but unwilling to listen, then unconsciously you have formed the habit
of calling on people who are willing to listen but unable to buy.
As to selling habits, unless you have deliberately formed the habit of calling on prospects
determined to make them see their reasons for buying life insurance, then unconsciously
you have formed the habit of calling on prospects in a state of mind in which you are
willing to let them make you see their reasons for not buying it.
As to working habits, if you will take care of the other three groups, the working habits
will generally take care of themselves because under working habits are included study
and preparation, organization of time and efforts, records, analyses, etc. Certainly you're
not going to take the trouble to learn interest-arousing approaches and sales talks unless
you're going to use them. You're not going to plan your day's work when you know in
your heart that you're not going to carry out your plans. And you're certainly not going to
keep an honest record of things you haven't done or of results you haven't achieved. So
let's not worry so much about the fourth group of success habits, for if you are taking care
of the first three groups, most of the working habits will take care of themselves and
you'll be able to afford a secretary to take care of the rest of them for you.
But before you decide to adopt these success habits, let me warn you of the importance of
habit to your decision. I have attended many sales meetings and sales congresses during
the past ten years and have often wondered why, in spite of the fact that there is so much
good in them, so many men seem to get so little lasting good out of them. Perhaps you
have attended sales meetings in the past and have left determined to do the things that
would make you successful or more successful only to find your decision or
determination waning at just the time when it should be put into effect or practice.
Here's the answer. Any resolution or decision you make is simply a promise to yourself,
which isn't worth a tinker's dam unless you have formed the habit of making it and
keeping it. And you won't form the habit of making it and keeping it unless right at the
start you link it with a definite purpose that can be accomplished by keeping it. In other
words, any resolution or decision you make today has to be made again tomorrow, and
the next day, and the next, and the next, and so on. And it not only has to be made each
day, but it has to be kept each day, for if you miss one day in the making or keeping of it,
you've got to go back and begin all over again. But if you continue the process of making
it each morning and keeping it each day, you will finally wake up some morning a
different man in a different world, and you will wonder what has happened to you and the
world you used to live in.
Here's what has happened. Your resolution or decision has become a habit and you don't
have to make it on this particular morning. And the reason for your seeming like a
different man living in a different world lies in the fact that for the first time in your life,
you have become master of yourself and master of your likes and dislikes by surrendering
to your purpose in life. That is why behind every success there must be a purpose and that
is what makes purpose so important to your future. For in the last analysis, your future is
not going to depend on economic conditions or outside influences of circumstances over
which you have no control. Your future is going to depend on your purpose in life. So
let's talk about purpose.
First of all, your purpose must be practical and not visionary. Some time ago, I talked
with a man who thought he had a purpose which was more important to him than income.
He was interested in the sufferings of his fellow man, and he wanted to be placed in a
position to alleviate that suffering. But when he analyzed his real feeling, we discovered,
and he admitted it, that what he really wanted was a real nice job dispensing charity with
other people's money and being well paid for it, along with the appreciation and feeling
of importance that would naturally go with such a job.
But in making your purpose practical, be careful not to make it logical. Make it a purpose
of the sentimental or emotional type. Remember needs are logical while wants and
desires are sentimental and emotional. Your needs will push you just so far, but when
your needs are satisfied, they will stop pushing you. If, however, your purpose is in terms
of wants and desires, then your wants and desires will keep pushing you long after your
needs are satisfied and until your wants and desires are fulfilled.
Recently I was talking with a young man who long ago discovered the common
denominator of success without identifying his discovery. He had a definite purpose in
life and it was definitely a sentimental or emotional purpose. He wanted his boy to go
through college without having to work his way through as he had done. He wanted to
avoid for his little girl the hardships which his own sister had had to face in her
childhood. And he wanted his wife and the mother of his children to enjoy the luxuries
and comforts, and even necessities, which had been denied his own mother. And he was
willing to form the habit of doing things he didn't like to do in order to accomplish this
purpose.
Not to discourage him, but rather to have him encourage me, I said to him, "Aren't you
going a little too far with this thing? There's no logical reason why your son shouldn't be
willing and able to work his way through college just as his father did. Of course he'll
miss many of the things that you missed in your college life and he'll probably have
heartaches and disappointments. But if he's any good, he'll come through in the end just
as you did. And there's no logical reason why you should slave in order that your
daughter may have things which your own sister wasn't able to have, or in order that your
wife can enjoy comforts and luxuries that she wasn't used to before she married you."
He looked at me with rather a pitying look and said, "But Mr. Gray, there's no inspiration
in logic. There's no courage in logic. There's not even happiness in logic. There's only
satisfaction. The only place logic has in my life is in the realization that the more I am
willing to do for my wife and children, the more I shall be able to do for myself."
Imagine, after hearing that story, you won't have to be told how to find your purpose orhow to identify it or how to surrender to it. If it's a big purpose, you will be big in its
accomplishment. If it's an unselfish purpose, you will be unselfish in accomplishing it.
And if it's an honest purpose, you will be honest and honorable in the accomplishment of
it. But as long as you live, don't ever forget that while you may succeed beyond your
fondest hopes and your greatest expectations, you will never succeed beyond the purpose
to which you are willing to surrender. Furthermore, your surrender will not be complete
until you have formed the habit of doing the things that failures don't like to do.
Hope you enjoyed this,
Jackie O'Quinn
International Coastal Director
Website: www.FlexibleBiz.com/goland1
Saturday, July 31, 2010
Saturday Morning Thoughts
I'm in my office this morning and I have tons of things swirling around in my head. Let me give you an explanation. So I got up at about 8:30 this morning which is pretty early for me on a Saturday. I had to go deposit some checks at the bank which is normal many clients purchasing travel packages will send Cashier's Checks or Money Orders. On the way home I'm listening to the ready and it's always fascinating listening to "morning shows" on the radio. This is because they are "catering" to the "employee mindset" which is who their target audience is, everyone going to work.
That lead me to several different throught processes in my head. Right now if you have been reading my "Monday Matters" emails then you are beginning to realize and see that there are about to be some major economic shifts happening around us. I have been writing the emails to point out things for you to notice that I have noticed. I have been hoping you started doing your own research and even listen and watch the news with a more critical mind.
Take for example recent events, unemployeement benefits have been extended for up to 99 WEEKS! Now here is what is interesting about this. First it does those of us who are americans NO GOOD. Our politicians are brilliant and most know that this isn't the best thing to do for the American workforce but it sounds good and with a huge precentage of people out of work right now the "unemployeed" becomes a great voting contituency to pander too. Basically your government is looking out for themselves, knowing that they vote in policies that look good and sound good right now, the unemployeed will vote them back in office. In the long run the unemployeed becomes reliant on this supplemental money and will desparately seek or vote for any politican that will give it to them as if there was no end it sight to what the government can provide.
If you still believe there is no end in sight to what the government can provide then you need to go back and watch this >> http://jackieoquinn.blogspot.com/2010/07/letters-to-john.html
Not too long ago I heard a politician on TV say that these unemployeement benefits needed to be past to help the American worker who can get a job. He went on to say, "Some have said that extending these benefits will simply create an unmotivated workforce. Those that have said that simply don't believe in the American spirit." He went on to say that his opponents were just being heartless etc.
That's great political speech but here is what you need to be aware of and this is why you need to be critically thinking here because you can see the writing on the wall you will be able to take advantage of this wealth tranferance as it happens. This politician knows that what he is saying is missleading. He has access to some of the best economist and studies that have been done by the best intellects in our country. Study after study has shown:
Lengthy unemployeement benefits lead to:
- A decrease in the number of people who are actively seeking work.
This is where the unmotivated argument comes in. It's not to be confused with lazy. It doesn't necessarily mean someone is lazy it just means they don't have the same "urgency" to have to make money. They have some income which can help to ease some stress.
- It drastically decreases the "skilled workforce".
With many industries like technology moving so fast your knowledge today can be outdated in that field in 99 weeks.
- It creates a less desirable workforce and actually makes it more difficult to get a job
Imagine being responsible for hiring at a local company. You have a ton of applicants to consider for one job. It's a low skilled position which are the type of positions that continue to hire through a recession. Most of the applicants have been on unemployeement for many weeks. Which do you consider first the one that has been unemployeed for 85 weeks or the one that has only been out of work for 12 weeks. Which one should adjust better to being back in a work environment?
What do you tell all the rest? You tell them the best rejection line of all. "You are over qualified".
- It decreases the average worker's wage. The longer someone is unemployeed the more likely they are to accept a lower paying job when the are rehired. This usually means they need further government assistance to survive and they continue to vote the one in office who will continue or increase that asisstance.
No greater example of this type of Politics then what I recent read online doing some research:
________________________________________________________________________________________
Almost overnight Roosevelt, the most popular president in the 20th century [elected 4 times] looted most half of this nation's wealth, while convincing the people that it was for their own good, in the name of Democracy. His right hand man, Harry Hopkins, suggested many of Roosevelt's policies, he said:
"Tax and Tax, Spend and Spend, Elect and Elect, because the people are too damn dumb to know the difference".
________________________________________________________________________________________
Eighteenth century historian Alexander Fraser Tytler, says Lord Woodhouselee is claimed to have argued:
"A Democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves largesse from the public treasury. From that moment on, the majority always votes for the candidates promising the most benefits from the public treasury with the result that a Democracy always collapses over loose fiscal policy, always followed by a dictatorship."
________________________________________________________________________________________
Why have I taken the time to send this to you? It's NOT so you will go out and start some revolution. Remember what I have been saying on Monday Matters. It's easier to take advantage of what is happening around you versus attempting to single handedly changing it. If you want to demonstrate and revolt or whatever thats fine, but first make sure you are making decisions in spite of our current geo politcal and economic environment, that will stabalize you and your family. That's easy and can be done much quicker.
It's easy to see a wealth swing coming. It's important that you are positioning yourself to benefit from this shift. That is what we are doing at Decide Freedom International (http://www.flexiblebiz.com/goland1 ).
Have a great weekend,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
That lead me to several different throught processes in my head. Right now if you have been reading my "Monday Matters" emails then you are beginning to realize and see that there are about to be some major economic shifts happening around us. I have been writing the emails to point out things for you to notice that I have noticed. I have been hoping you started doing your own research and even listen and watch the news with a more critical mind.
Take for example recent events, unemployeement benefits have been extended for up to 99 WEEKS! Now here is what is interesting about this. First it does those of us who are americans NO GOOD. Our politicians are brilliant and most know that this isn't the best thing to do for the American workforce but it sounds good and with a huge precentage of people out of work right now the "unemployeed" becomes a great voting contituency to pander too. Basically your government is looking out for themselves, knowing that they vote in policies that look good and sound good right now, the unemployeed will vote them back in office. In the long run the unemployeed becomes reliant on this supplemental money and will desparately seek or vote for any politican that will give it to them as if there was no end it sight to what the government can provide.
If you still believe there is no end in sight to what the government can provide then you need to go back and watch this >> http://jackieoquinn.blogspot.com/2010/07/letters-to-john.html
Not too long ago I heard a politician on TV say that these unemployeement benefits needed to be past to help the American worker who can get a job. He went on to say, "Some have said that extending these benefits will simply create an unmotivated workforce. Those that have said that simply don't believe in the American spirit." He went on to say that his opponents were just being heartless etc.
That's great political speech but here is what you need to be aware of and this is why you need to be critically thinking here because you can see the writing on the wall you will be able to take advantage of this wealth tranferance as it happens. This politician knows that what he is saying is missleading. He has access to some of the best economist and studies that have been done by the best intellects in our country. Study after study has shown:
Lengthy unemployeement benefits lead to:
- A decrease in the number of people who are actively seeking work.
This is where the unmotivated argument comes in. It's not to be confused with lazy. It doesn't necessarily mean someone is lazy it just means they don't have the same "urgency" to have to make money. They have some income which can help to ease some stress.
- It drastically decreases the "skilled workforce".
With many industries like technology moving so fast your knowledge today can be outdated in that field in 99 weeks.
- It creates a less desirable workforce and actually makes it more difficult to get a job
Imagine being responsible for hiring at a local company. You have a ton of applicants to consider for one job. It's a low skilled position which are the type of positions that continue to hire through a recession. Most of the applicants have been on unemployeement for many weeks. Which do you consider first the one that has been unemployeed for 85 weeks or the one that has only been out of work for 12 weeks. Which one should adjust better to being back in a work environment?
What do you tell all the rest? You tell them the best rejection line of all. "You are over qualified".
- It decreases the average worker's wage. The longer someone is unemployeed the more likely they are to accept a lower paying job when the are rehired. This usually means they need further government assistance to survive and they continue to vote the one in office who will continue or increase that asisstance.
No greater example of this type of Politics then what I recent read online doing some research:
________________________________________________________________________________________
Almost overnight Roosevelt, the most popular president in the 20th century [elected 4 times] looted most half of this nation's wealth, while convincing the people that it was for their own good, in the name of Democracy. His right hand man, Harry Hopkins, suggested many of Roosevelt's policies, he said:
"Tax and Tax, Spend and Spend, Elect and Elect, because the people are too damn dumb to know the difference".
________________________________________________________________________________________
Eighteenth century historian Alexander Fraser Tytler, says Lord Woodhouselee is claimed to have argued:
"A Democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves largesse from the public treasury. From that moment on, the majority always votes for the candidates promising the most benefits from the public treasury with the result that a Democracy always collapses over loose fiscal policy, always followed by a dictatorship."
________________________________________________________________________________________
Why have I taken the time to send this to you? It's NOT so you will go out and start some revolution. Remember what I have been saying on Monday Matters. It's easier to take advantage of what is happening around you versus attempting to single handedly changing it. If you want to demonstrate and revolt or whatever thats fine, but first make sure you are making decisions in spite of our current geo politcal and economic environment, that will stabalize you and your family. That's easy and can be done much quicker.
It's easy to see a wealth swing coming. It's important that you are positioning yourself to benefit from this shift. That is what we are doing at Decide Freedom International (http://www.flexiblebiz.com/goland1 ).
Have a great weekend,
Jackie O'Quinn
International Coastal Director
Since 2004
1-888-309-5759
Letters to John II
Letters to John are actually letters that have been sent to my email subscribers who are looking for oppurtunities to increase their income working from home. Letters to John, focuses on educating subscribers about future events that may create oppurtunites for you to increase wealth and security for your family.
Hey John
This is the second installment of Monday Matters sent each Monday. If you missed the last one you can read it here: http://jackieoquinn.blogspot.com/2010/07/letters-to-john.html
As you read this I want you to keep in mind two important points. You have to look at the facts of what is happening around us as objectively as possible. Secondly, don't let your personal belief system get in the way of your judgement. In order to take advantage of the financial shift that is taking place, you want to position yourself strategically. That strategic positioning is what we will be discussing more later on.
In the mean time I found a short video that does a great job of explaining what a recession is and how we get out of a recession.
http://www.youtube.com/watch?v=5e1BuKBdi84
Jackie, why are you wanting me to learn about the Recession and Recovery? Because in a Recession and the Recovery will create unprecedented oppurtunities for you to become financially secure. An oppurtunity for you to be able to protect those that are the closest to you.
Have a great week,
Jackie O'Quinn
International Coastal Director
(Since 2004)
http://www.flexiblebiz.com/goland1
Hey John
This is the second installment of Monday Matters sent each Monday. If you missed the last one you can read it here: http://jackieoquinn.blogspot.com/2010/07/letters-to-john.html
As you read this I want you to keep in mind two important points. You have to look at the facts of what is happening around us as objectively as possible. Secondly, don't let your personal belief system get in the way of your judgement. In order to take advantage of the financial shift that is taking place, you want to position yourself strategically. That strategic positioning is what we will be discussing more later on.
In the mean time I found a short video that does a great job of explaining what a recession is and how we get out of a recession.
http://www.youtube.com/watch?v=5e1BuKBdi84
Jackie, why are you wanting me to learn about the Recession and Recovery? Because in a Recession and the Recovery will create unprecedented oppurtunities for you to become financially secure. An oppurtunity for you to be able to protect those that are the closest to you.
Have a great week,
Jackie O'Quinn
International Coastal Director
(Since 2004)
http://www.flexiblebiz.com/goland1
Friday, July 16, 2010
Letters to John
Letters to John are actually letters that have been sent to my email subscribers who are looking for oppurtunities to increase their income working from home. Letters to John, focuses on educating subscribers about future events that may create oppurtunites for you to increase wealth and security for your family.
John,
As I told you over the weekend. This will be my first email designed to help us ( I say us because I am always learning ) take advantage of our current political/economical environment to secure our personal finances. In order to take advantage of what is happening around us we have to eduate ourselves so that we can see these oppurtunities.
First let me ask you to watch what I find to be the easiest explanation of our money system and financial system in most developed countries. Below is a short free movie I found some time ago. It's not terribly entertaining but very easy to follow. It's important that you review the movie below so that later discussions will make sense to you. I would even recommend that you save it on your computer to watch again. It's is alittle slow give it about 5 minutes and it will start coming together for you.
http://video.google.com/videoplay?docid=5352106773770802849#
Any questions that you have feel free to email me at jackieoquinn@yahoo.com
All the best,
Jackie O'Quinn
International Coastal Director
Since 2004
http://mydfilive.com/direct.php?id=123456&password=password
John,
As I told you over the weekend. This will be my first email designed to help us ( I say us because I am always learning ) take advantage of our current political/economical environment to secure our personal finances. In order to take advantage of what is happening around us we have to eduate ourselves so that we can see these oppurtunities.
First let me ask you to watch what I find to be the easiest explanation of our money system and financial system in most developed countries. Below is a short free movie I found some time ago. It's not terribly entertaining but very easy to follow. It's important that you review the movie below so that later discussions will make sense to you. I would even recommend that you save it on your computer to watch again. It's is alittle slow give it about 5 minutes and it will start coming together for you.
http://video.google.com/videoplay?docid=5352106773770802849#
Any questions that you have feel free to email me at jackieoquinn@yahoo.com
All the best,
Jackie O'Quinn
International Coastal Director
Since 2004
http://mydfilive.com/direct.php?id=123456&password=password
Monday, July 05, 2010
June 27th was my wedding anniversary
Carmen and I just celebrated our 1st wedding anniversary. We went up to the Blue Ridge mountains and rented a luxury cabin for a week. It was a great time. The first couple of day we basically had some rest and relaxation playing games, and taking naps mostly. As the week went by we did more adventurous things. One day we went hiking for about two hours. There are tons of hiking trails and lots of national forest so that was scenic and incredibly beautiful. Another day we went horseback riding. This was technically my first time on a horse other than being a kid but that was when someone else like my uncle was holding the reins. Horseback riding through the mountains was definitely a good time. We went through the woods, down old logging roads, and open fields. In several places we had incredible views of the mountains.
Thursday of last week was probably one of our highlights (outside of my wife she was THE highlight and has been since the day we got married). We went whitewater rafting. We went down the Ococee River. This was a first for both of us, but man it was SO MUCH FUN. To be honest, I was intimidated alittle at first. Our guide was very knowledgeable and very laid back. Carmen did get knocked out of the raft once, but she got back in and was fine. One boat that was in our group completely turned over. It was alot of fun. If you have never been whitewater rafting then I would HIGHLY RECOMMEND it!
We came back home on Friday and had a quiet weekend. Now it's Monday and the first week of July. Back to business. In DFI we have a contest running through the summer and I want to do well with it so I will be giving it a good run. Speaking of which I have an appt now so I need to run but will be back for another blog post later.
All the best,
Jackie O'Quinn
1-888-309-5759
www.FlexibleBiz.com
Thursday of last week was probably one of our highlights (outside of my wife she was THE highlight and has been since the day we got married). We went whitewater rafting. We went down the Ococee River. This was a first for both of us, but man it was SO MUCH FUN. To be honest, I was intimidated alittle at first. Our guide was very knowledgeable and very laid back. Carmen did get knocked out of the raft once, but she got back in and was fine. One boat that was in our group completely turned over. It was alot of fun. If you have never been whitewater rafting then I would HIGHLY RECOMMEND it!
We came back home on Friday and had a quiet weekend. Now it's Monday and the first week of July. Back to business. In DFI we have a contest running through the summer and I want to do well with it so I will be giving it a good run. Speaking of which I have an appt now so I need to run but will be back for another blog post later.
All the best,
Jackie O'Quinn
1-888-309-5759
www.FlexibleBiz.com
Tuesday, May 18, 2010
Earn money through the summer with a home based business
The Summer time is one of the very best times to build a home based business. During the summer time people are off work and thinking about how bad they don't want to have to work. During the summer, other people with a home based business tend to slow down or slack off so that means that if you own a home based business you have far less competition. It's best to get started working from home in a low competative environment which is what the summer provides. Also many manufactures offer some of the biggest contests during the summer time! In the next few paragraphs, I will explain my points above alittle further.
The Summer months are the ones in which most people take time off work and travel. This is vacation time, wedding time, out door picnic time, lake time, and beach time. People are resting relaxing and inevitably thinking about wanting to relax and vacation more often. This is when people often times consider working from home or starting a home business, so they can have more control and more freedom in there lives. These are exactly the type of clients you want to talk to if you are in business development from home. Also if you are in the travel industry such as we are then this is inherently a great time of the year for obvious reasons. Have you seen our website >> www.flexiblebiz.com/
Also this time of year other home business owners start taking time off. They procrastinate this time of year more than any other. The fact is that 95% of home business owners are part time and only operate a home business for extra income. That means there business is not often their top priority. During this time of year vactions and time off with family tend to become a much higher priority. This is a great time to maximize your business as we just described, many people are still looking to work from home but your competition has taken the summer off.
Many manufactures that home businesses represent understand that their distribution channel (the home business industry) slows way down due to a lack of people work. So they offer some of their very best contests during the summer months. It's also this time of year there are less people competing for those contests, so they are ususally much easier to win.
In summary, if you are looking to get started working from home then there can be no better time than right now. If you own a home business then don't fall into the summer trap. Instead be sure to capitalize on it. Come the Fall your business will be in explosive growth and momentum!
All the best,
Jackie O'Quinn
1-888-309-5759
The Summer months are the ones in which most people take time off work and travel. This is vacation time, wedding time, out door picnic time, lake time, and beach time. People are resting relaxing and inevitably thinking about wanting to relax and vacation more often. This is when people often times consider working from home or starting a home business, so they can have more control and more freedom in there lives. These are exactly the type of clients you want to talk to if you are in business development from home. Also if you are in the travel industry such as we are then this is inherently a great time of the year for obvious reasons. Have you seen our website >> www.flexiblebiz.com/
Also this time of year other home business owners start taking time off. They procrastinate this time of year more than any other. The fact is that 95% of home business owners are part time and only operate a home business for extra income. That means there business is not often their top priority. During this time of year vactions and time off with family tend to become a much higher priority. This is a great time to maximize your business as we just described, many people are still looking to work from home but your competition has taken the summer off.
Many manufactures that home businesses represent understand that their distribution channel (the home business industry) slows way down due to a lack of people work. So they offer some of their very best contests during the summer months. It's also this time of year there are less people competing for those contests, so they are ususally much easier to win.
In summary, if you are looking to get started working from home then there can be no better time than right now. If you own a home business then don't fall into the summer trap. Instead be sure to capitalize on it. Come the Fall your business will be in explosive growth and momentum!
All the best,
Jackie O'Quinn
1-888-309-5759
Monday, May 10, 2010
Oil Spill in the Gulf and Gas Prices?
I heard the end of last week that the latest Oil Spill in the Gulf of Mexico is obviously a major crisis, however it seems that some analyst are predicting that plus inflation from out of control government spending could lead to $5 and $10 a gallon gasoline this summer? That doesn't seem too far fetched really, last summer many places in the US saw $4 a gallon gasoline. But in today's current economic environment with unemployeement hovering just under 10% what does $5 or $10 per gallon of gasoline do for you and your family? How about your neighbors?
It's a tragedy really, if you use a tank of gas per week and your car holds 15 gallons per tank then that's like $150 per week in gas. I'll be honest with you, it is amazing how unemployeement and potentially rising gas prices tremendously helped our business. The home busines industry is in a mini surge right now. People want security, people are afraid they may lose the job they have. People are getting laid off and can't find work so they start looking to work from home.
If gas prices go up this summer then people will be looking for ways to get out of commuting so far everyday. That will lead them to looking at working from home. Which just means more people will get started. Those who have an established business already will benefit from the coming growth that will be taking place through the summer months of our industry. Working from home has always been fun and lucrative but it's about to become even more lucrative over the next 6 to 12 months.
All the best,
Jackie O'Quinn
Website: www.flexiblebiz.com/goland1/oilspill
1-888-309-5759
It's a tragedy really, if you use a tank of gas per week and your car holds 15 gallons per tank then that's like $150 per week in gas. I'll be honest with you, it is amazing how unemployeement and potentially rising gas prices tremendously helped our business. The home busines industry is in a mini surge right now. People want security, people are afraid they may lose the job they have. People are getting laid off and can't find work so they start looking to work from home.
If gas prices go up this summer then people will be looking for ways to get out of commuting so far everyday. That will lead them to looking at working from home. Which just means more people will get started. Those who have an established business already will benefit from the coming growth that will be taking place through the summer months of our industry. Working from home has always been fun and lucrative but it's about to become even more lucrative over the next 6 to 12 months.
All the best,
Jackie O'Quinn
Website: www.flexiblebiz.com/goland1/oilspill
1-888-309-5759
Tuesday, March 23, 2010
I'm earning 12.68% at Lending Club
Hi Jackie,
I'm currently earning a 12.68% Net Annualized Return as a Lending Club investor.
I think this is a service you should check out.
It's easy and free to join. Because I invited you, you'll receive a $25 bonus on an initial investment of $25 or more.
Sign up for a no-cost account;
Lending Club respects the privacy of its members. Your personal information will always be kept totally confidential from other members--including me.
Best,
Jackie O'Quinn
Notes offered by prospectus filed with the SEC.
_________________________________________________________________________________
The above email I just copied and pasted to here so you could check out Lending Club if you wanted. Let me explain what Lending Club is and how it works. Basically in the simplest of explanations, this is your way of becoming a bank/finance company without any of the overhead. Someone else does the billing and collecting you just reap the profits from your lending activity.
Lending Club is a marketplace where lenders with above average credit score (600 and up). Can apply to get loans at very competative rates. As an investor you are allowed to browse through these loans, you get access to the borrowers full credit profile. Based off of that information you can make a determination if you would like to fund part of the loan starting with as little as $25 up to the full amount they are asking.
Each month when the borrower makes there loan payment to Lending Club you get your portion of that payment plus interest. Each month you are getting part of your principle back with interest you can withdraw this money or reinvest it (this is what I do).
A common question is, What happens if someone fails to pay? Well that can happen and does (has not happened to me yet at Lending Club). If that happens, then Lending club is very proactive with their collections process and they even give you full details about phone calls and emails sent to contact the borrower. I know this because I have one payment that was late and had through notes on that account where borrow was contacted every 2 days for 6 days until they made there payment. That made me feel good to see they were so aggressive on the collections piece.
You are able greatly reduce any risk by being picky with the credit profiles you lend to. For example you are able to see the borrows credit score, any defaults or late payments they had in the past 5 years, how long they have been employeed, if they own their home or rent, you see how much income they earn, what their debt to income ratios is, what their revolving credit line precentage is, etc. You really are able to see alot of information before making the decision to let someone borrow money.
Another recommendation is to diversify in to several loans and not just put your eggs all in one basket. In wrapping this up, I would highly enourage anyone looking to save or invest money to seriously give Lending Club a shot it has been one of the easiest most flexible investments for me. The best part is it produces an income each and every month and it's consistent! Below I have listed some Pros and Cons.
First of all a few of the "Pros":
It's very easy to get started with only $25 initially.
It offers very high returns compared to any other investments out there
It's an income investment which means you actually generate income from it each and every month
It's very liquid, so you can withdraw money or sell your notes on the notes exchange at anytime to pull cash out if you need it.
You have full control over the investment. You decided which loans meet your criteria.
It's been a very safe investment for me.
Some of the "Cons"
It's not guaranteed, no great investment is. The banks are not getting rich off of guarantees that people are going to pay their bills. Most "safe investments" are a joke anyway. Sure your CDs at the bank are pretty safe and they are earning less than inflation and they are FDIC insured. Most people don't even realize what FDIC insurance really is. Let me just say this, do some research on FDIC insurance if something happened and you had to excersize that insurance the bank has 10 years to give you your money back. Thats not too great.
People can default. Just diversify into a bunch of loans. Start with the safest ones first till you feel comfortable. Be picky who you lend to based on their credit profile.
In interest of FULL Disclosure if you click on the link above to get a free $25 with Lending Club they will also give me $25. If for any reason you are not comfortable with that just go here www.LendingClub.com and they will not give either of us the $25 bonus. If you have any further questions feel free to contact me via email.
Hope you enjoyed learning this,
Jackie O'Quinn
International Coastal Director
1-888-309-5759
Website: www.FlexibleBiz.com/lendingclub
P.S. I have more stuff to share in later posts
I'm currently earning a 12.68% Net Annualized Return as a Lending Club investor.
I think this is a service you should check out.
It's easy and free to join. Because I invited you, you'll receive a $25 bonus on an initial investment of $25 or more.
Sign up for a no-cost account;
Lending Club respects the privacy of its members. Your personal information will always be kept totally confidential from other members--including me.
Best,
Jackie O'Quinn
Notes offered by prospectus filed with the SEC.
_________________________________________________________________________________
The above email I just copied and pasted to here so you could check out Lending Club if you wanted. Let me explain what Lending Club is and how it works. Basically in the simplest of explanations, this is your way of becoming a bank/finance company without any of the overhead. Someone else does the billing and collecting you just reap the profits from your lending activity.
Lending Club is a marketplace where lenders with above average credit score (600 and up). Can apply to get loans at very competative rates. As an investor you are allowed to browse through these loans, you get access to the borrowers full credit profile. Based off of that information you can make a determination if you would like to fund part of the loan starting with as little as $25 up to the full amount they are asking.
Each month when the borrower makes there loan payment to Lending Club you get your portion of that payment plus interest. Each month you are getting part of your principle back with interest you can withdraw this money or reinvest it (this is what I do).
A common question is, What happens if someone fails to pay? Well that can happen and does (has not happened to me yet at Lending Club). If that happens, then Lending club is very proactive with their collections process and they even give you full details about phone calls and emails sent to contact the borrower. I know this because I have one payment that was late and had through notes on that account where borrow was contacted every 2 days for 6 days until they made there payment. That made me feel good to see they were so aggressive on the collections piece.
You are able greatly reduce any risk by being picky with the credit profiles you lend to. For example you are able to see the borrows credit score, any defaults or late payments they had in the past 5 years, how long they have been employeed, if they own their home or rent, you see how much income they earn, what their debt to income ratios is, what their revolving credit line precentage is, etc. You really are able to see alot of information before making the decision to let someone borrow money.
Another recommendation is to diversify in to several loans and not just put your eggs all in one basket. In wrapping this up, I would highly enourage anyone looking to save or invest money to seriously give Lending Club a shot it has been one of the easiest most flexible investments for me. The best part is it produces an income each and every month and it's consistent! Below I have listed some Pros and Cons.
First of all a few of the "Pros":
It's very easy to get started with only $25 initially.
It offers very high returns compared to any other investments out there
It's an income investment which means you actually generate income from it each and every month
It's very liquid, so you can withdraw money or sell your notes on the notes exchange at anytime to pull cash out if you need it.
You have full control over the investment. You decided which loans meet your criteria.
It's been a very safe investment for me.
Some of the "Cons"
It's not guaranteed, no great investment is. The banks are not getting rich off of guarantees that people are going to pay their bills. Most "safe investments" are a joke anyway. Sure your CDs at the bank are pretty safe and they are earning less than inflation and they are FDIC insured. Most people don't even realize what FDIC insurance really is. Let me just say this, do some research on FDIC insurance if something happened and you had to excersize that insurance the bank has 10 years to give you your money back. Thats not too great.
People can default. Just diversify into a bunch of loans. Start with the safest ones first till you feel comfortable. Be picky who you lend to based on their credit profile.
In interest of FULL Disclosure if you click on the link above to get a free $25 with Lending Club they will also give me $25. If for any reason you are not comfortable with that just go here www.LendingClub.com and they will not give either of us the $25 bonus. If you have any further questions feel free to contact me via email.
Hope you enjoyed learning this,
Jackie O'Quinn
International Coastal Director
1-888-309-5759
Website: www.FlexibleBiz.com/lendingclub
P.S. I have more stuff to share in later posts
Monday, March 08, 2010
Coastal Travel News
This recently went out to all members in DFI. I wanted to pass it along to you because it has a great motivational story as well as the latest news and announcements taking place inside of DFI and Coastal Travel. I hope you enjoy reading.
The Old Mule
Once upon a time a farmer owned an old mule who tripped and fell into the farmer's well. The farmer heard the mule braying and was unable to figure out how to bring up the old animal. It grieved him that he could not pull the animal out. He'd been a good worker around the farm. Although the farmer sympathized with the mule, he called his neighbors together and told them what had happened. He had them help haul dirt to bury the old mule in the well and quietly put him out of his misery.
At first, the old mule was puzzled, but as the farmer and his neighbors continued shoveling and the dirt hit his back, he had a thought: he ought to shake off the dirt and step up. And he did just that.
"Shake it off and step up...shake it off and step up...shake it off and step up." Even though he took painful blows of dirt and fought panic, he just kept right on shaking it off and stepping up!
It wasn't long before the old mule stepped up and over the lip of that well. What could have buried him actually blessed him...all because of the manner in which he handled his adversity.
~author unknown
DFI NEWS and ANNOUNCEMENTS:
Many of you have heard about the NEW DFI Leadership Council Rings. Many of you are actively working on your own ring. To earn your ring all you have to do is bring in 30 new team members into DFI. To do that in 6 months you have to simply average 6 new team members a month. Cadie from MN, Michelle from CA and Stacy from NC are all examples of Directors who have done this so far. Several of our Directors are on track to accomplish this in the first year all you have to do is bring in 3 new team members a month.
To get more details about the DFI Leadership Council Rings go to www.dfiawardring.com
DFI Cruise Info:
DFI will be having a Leadership cruise from a time of fun in the sun and learning for all. To win a free ticket all you have to do is bring in 30 new team members by Feb. of 2011. To win a ticket for both you and a significant other you only have to have 50 new team members join DFI.
Specific Cruise info to be announced late FALL.
Recession is OVER:
With all the talk of the country being in a recession it’s easy to understand how it almost feels that way sometimes. Did YOU GET THE MEMO? DFI’s web development company has said that Feb. 2010 was the largest increase in growth they’ve ever seen in the history of Coastal Travel. Do you know how much we grew? 38.9% one month growth! Did you get a 38.9% pay raise all of last year? Heck most of us did not get a .9% pay increase last year but in DFI collectively our income grew by 38.9% over a single month based off of our new members.
I think its official the recession, which we didn’t really seem to feel is actually over.
New Stories heard on the calls:
This is an area we want to highlight new stories that we’ve heard on the calls recently.
Michelle in CA, made $3,200 last week
Stacy in NC, made $10,705 last week
Cadie in MN, made $7,400 last month
Sandy in MO, just recently generated $12,000
Renae in MN, just had a $9,705 day
Tara in MI, has made $19,410 so far this year
Nike in NC, just had a thousand dollar day
Tim in LA, just recently had a $3200 dollar week
If you’ve made money recently and we have not heard you, step out on a call and share it. If you have and we missed you we apologize share it some more. After you’ve been around a while you tend to not think a 1k to 5k week is not “big enough” to share. Every single new person on this team would like to hear about your small weeks , so continue to inspire us and please share. Obviously many people are making money so send an email to announcements@mydfilive.com to be included in a future email to the team. Since Coastal is an association we cannot know if you’ve made money unless you share it.
How do I Contribute? If you have a testimony, a motivational story or quote and would like to share it with our team send an email to announcements@mydfilive.com
Training Call of the Week! If you missed it unexpectedly last week we had one of the most impactful calls we’ve had in a long time. It was completely by accident. On the last Six Figure Income call two of our successful director’s shared their experiences and what made them successful. They were transparent, honest and it was full of golden nuggets of information. If you missed it you can listen to it in its entirety below.
http://www.byoaudio.com/play/WN3bLFrk
All the best,
Jackie O'Quinn
International Coastal Director
http://www.FlexibleBiz.com/
1-888-309-5759
The Old Mule
Once upon a time a farmer owned an old mule who tripped and fell into the farmer's well. The farmer heard the mule braying and was unable to figure out how to bring up the old animal. It grieved him that he could not pull the animal out. He'd been a good worker around the farm. Although the farmer sympathized with the mule, he called his neighbors together and told them what had happened. He had them help haul dirt to bury the old mule in the well and quietly put him out of his misery.
At first, the old mule was puzzled, but as the farmer and his neighbors continued shoveling and the dirt hit his back, he had a thought: he ought to shake off the dirt and step up. And he did just that.
"Shake it off and step up...shake it off and step up...shake it off and step up." Even though he took painful blows of dirt and fought panic, he just kept right on shaking it off and stepping up!
It wasn't long before the old mule stepped up and over the lip of that well. What could have buried him actually blessed him...all because of the manner in which he handled his adversity.
~author unknown
DFI NEWS and ANNOUNCEMENTS:
Many of you have heard about the NEW DFI Leadership Council Rings. Many of you are actively working on your own ring. To earn your ring all you have to do is bring in 30 new team members into DFI. To do that in 6 months you have to simply average 6 new team members a month. Cadie from MN, Michelle from CA and Stacy from NC are all examples of Directors who have done this so far. Several of our Directors are on track to accomplish this in the first year all you have to do is bring in 3 new team members a month.
To get more details about the DFI Leadership Council Rings go to www.dfiawardring.com
DFI Cruise Info:
DFI will be having a Leadership cruise from a time of fun in the sun and learning for all. To win a free ticket all you have to do is bring in 30 new team members by Feb. of 2011. To win a ticket for both you and a significant other you only have to have 50 new team members join DFI.
Specific Cruise info to be announced late FALL.
Recession is OVER:
With all the talk of the country being in a recession it’s easy to understand how it almost feels that way sometimes. Did YOU GET THE MEMO? DFI’s web development company has said that Feb. 2010 was the largest increase in growth they’ve ever seen in the history of Coastal Travel. Do you know how much we grew? 38.9% one month growth! Did you get a 38.9% pay raise all of last year? Heck most of us did not get a .9% pay increase last year but in DFI collectively our income grew by 38.9% over a single month based off of our new members.
I think its official the recession, which we didn’t really seem to feel is actually over.
New Stories heard on the calls:
This is an area we want to highlight new stories that we’ve heard on the calls recently.
Michelle in CA, made $3,200 last week
Stacy in NC, made $10,705 last week
Cadie in MN, made $7,400 last month
Sandy in MO, just recently generated $12,000
Renae in MN, just had a $9,705 day
Tara in MI, has made $19,410 so far this year
Nike in NC, just had a thousand dollar day
Tim in LA, just recently had a $3200 dollar week
If you’ve made money recently and we have not heard you, step out on a call and share it. If you have and we missed you we apologize share it some more. After you’ve been around a while you tend to not think a 1k to 5k week is not “big enough” to share. Every single new person on this team would like to hear about your small weeks , so continue to inspire us and please share. Obviously many people are making money so send an email to announcements@mydfilive.com to be included in a future email to the team. Since Coastal is an association we cannot know if you’ve made money unless you share it.
How do I Contribute? If you have a testimony, a motivational story or quote and would like to share it with our team send an email to announcements@mydfilive.com
Training Call of the Week! If you missed it unexpectedly last week we had one of the most impactful calls we’ve had in a long time. It was completely by accident. On the last Six Figure Income call two of our successful director’s shared their experiences and what made them successful. They were transparent, honest and it was full of golden nuggets of information. If you missed it you can listen to it in its entirety below.
http://www.byoaudio.com/play/WN3bLFrk
All the best,
Jackie O'Quinn
International Coastal Director
http://www.FlexibleBiz.com/
1-888-309-5759
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