Friday, September 19, 2014

Retirement With Financial Dignity



In every country, whether rich or poor, the challenge of retiring into a world of restricted income far below what a person previously lived on is daunting at best. Most people are forced to cut back, to live minimally. There are generally not a whole lot of viable options available to those who have reached retirement age when they are forced to try to live on government pensions or social security.

Age discrimination is very real, and companies don't like to, or are unwilling to, hire people of retirement age no matter their experience or background. This presents a hostile reality for many senior citizens. While they may want to, and in fact, need to, work and contribute to society, society usually doesn't give them a chance. This is one reason you see so many elderly persons working at places like McDonald's or Burger King these days. There is tremendous need for financial alternatives that older people can utilize to supplement their retirement incomes.

This is causing many retirees to seek ways they can create additional income through home based businesses. They often don't have the money or the experience needed to open a small business of their own. They need something that doesn't cost much to start-up and that has a well thought out training program where they can earn as they learn. This is where network marketing comes to play.

There are a lot of network marketing alternatives available for the senior citizens to choose from, but the problem is that some work and some don't, and the ones that don't only worsen the already precarious financial situations these people are facing. Seniors need something that costs little or nothing to start-up, that allows them to work on a part-time basis, and incorporates effective training programs to teach them how to do the business.

There are also a lot of network marketing schemes out there that have questionable legality or integrity. How can a senior citizen know which networking schemes are viable for them and which aren't? For one, the program has to provide reasonably priced or discount priced goods and services to the general public, not just hype. Ideally, the program should provide products that a typical person will use routinely.

If money is made selling start-up packages, stay clear of that business. If the goods offered are not high quality, or don't have a full money back guarantee, beware. If you need to stock up on products, beware, this is a distinct danger sign. If the training is expensive, or involves frequent expenses for motivational meetings and materials, beware. If you are asked to buy your way to a higher level in the business, beware.

Every network marketing company will boast about the earnings of their top performers, but most people earn far, far less. Is the company promising overnight riches? Are they realistic about how long it will take to become successful in the business? Any company that presents itself as a get rich scheme should be avoided. Building a legitimate business always takes time and effort.

Get with a reputable company that has been around for a while, one that has withstood the test of time. Check with the Better Business Bureau. Find one with a good training program, preferably free, then jump in and give it a go. Master the business, build a down line organization, then retire in style.

The Art of Handling Excuses



It's crazy, but one person's excuse for not building the business will often be the same as another person's reason for building it. It's how a person chooses to use those reasons that either moves them forward or holds them back. The following list are typical examples:

No. 1: "My wife won't let me!" It takes a real mini-mouse to say this, but you will hear it occasionally none-the-less. What I find fascinating is that I have yet to hear a wife say, "My husband won't let me." Another person might just build the business out of spite, or to prove that he can to the negative wife.

No. 2: "I don't have time!" The truth is that we all have all the time there is, 24 hours in a day. It's how we choose to use that time that counts. Another person might see the business as a way to create free time to do what they love. Build the business in cracks of time if you have to.

No. 3: "I don't have any money!" It doesn't necessarily take money to build the business. The sign up and training in some network marketing businesses are absolutely free. You can earn as you learn. It does take time and effort, however. Most people do the business because they want more money!

No. 4: "My company won't let me have a side business." Your free time should be your own time. Another person might build the business for that very reason!

No. 5: "I'm busy!" Aren't we all? Each of us fills our day with 24 hours of things to do. What is important is which things do you choose to do, and will those things get you where you want to go? Actually, it's the really busy person who will tend to build a network marketing business. People don't build the business because they have free time.

No. 6: "I can't because... " and what follows is a lie! A person will build the business if they decide to, and won't if they decide not to. It's just that simple.

No. 7: "I don't want to pester my friends with this." It's all in your perspective. Some of us view it as us throwing them a life preserver. It's their choice if they choose to use it or not.

No. 8: "I don't need this business." Good for you. Maybe you know someone who does.

No. 9: "I like my job." Great, good for you. You don't have to quit your job to do this business. It just gives you that option!

No. 10: "I can't because of my kids!" Maybe that is the reason you should build the business in the first place.

You get the idea. You are going to hear lots of these as you build your network marketing business. Learn how to turn them around, or simply move on to the next person.