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Writing a Financial Plan on Your Own

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Like anything in life, you need a plan to succeed. That applies to your personal finance too. No one is completely secure financially unless you have accumulated millions of dollars and decide to live off the nest egg for the rest of your life.

Unfortunately, for most people, they are unprepared for retirement. Financial planning is crucial in reaching your goals of retiring comfortably. But having say that, how does one go about writing a financial plan without any formal education?

Below is a quick step-by-step guide to writing your own financial plan. Of course, a professional financial planner may be able to give you a more comprehensive financial plan but this will be a good step forward in understanding your needs and clearing some stumbling blocks.

1. What Are Your Objectives?

Don’t be afraid to dream – you only live once. Think about the size of the home, the education, your family, etc. Just pen these thoughts down of how you want the future to look like. Once you list down your ideals, remember to factor in mundane issues like kids education, insurance, etc.

Your goals should include:

* Education. Regardless of your age, extra education and training are needed either for a career switch or self-improvement. A lot of people are taking college courses (even with teenagers) or upgrading to an MBA to climb the corporate ladder. Even if college education is out for you, you still have to plan for your children’s college degree, unless you intend to leave them to their own devices.

* Career. What field do you desire to work in? Is it a creative job or a typical 9-5? Or do you want to be your own boss? Do you want to create multiple source of passive income?

* Lifestyle. Is work or family more important? Are you contended with “simpler living?” Do you desire a Porsche or BMW? Do you want to live in a mansion, a seafront house, etc? Do you have expensive hobbies life golf? These all cost money so tabulating the expenses and matching it to your income is necessary to achieve your lifestyle goals.

* Retirement. Don’t forget about retirement. It is a moment when you lose your income. So how do you want to live while retired? Will you downgrade your house, live with your children, or move to a retirement community?

* Insurance. Nothing is certain in life. You need to be insured for worst case scenarios. Every financial plan must have provisions for insurance.

These objectives may seem daunting but they need not be wishful thinking. The actual money set aside could be much less than you think, if effective financial planning is involved.

2. Plan Your Income

Of course, your financial plan isn’t just about your dreams. How are you going to pay for it? I assume you don’t have a sugar daddy, so you should be following a life of employment. Most people have their career path charted in this format – go to college, get a job, work hard up the ladder and retire.

There is nothing wrong race except there is high uncertainty in today’s globalized environment. People change jobs all the time due to layoffs or to seek fresh challenges.

Instead of a day job, you can consider starting a businesses or becoming a freelancer to sell your skills. Business isn’t just for those with money, MBAs or connections. You can start a home business to mange lawn care, making money online with a website or a vending machine business.

Besides becoming your own boss, you can find other income through network marketing or investing.

Investing is efficient in building side income as it is simply growing the money you already have. You can buy gold, stocks, bonds, real estate, etc.

Regardless if you are a business owner or an employee, you should not let your money sit idly under your mattress. Even putting your money into an online savings account is more profitable.

3. Writing Your Financial Plan

At its core, a financial plan is a lifelong budget. You’ll be budgeting not just your next paycheck, but for your entire life. Planning involves knowing how you’ll get there and when you’ll get there. There are no hard and fast rules.

You have to be rational enough to assess your current situation, creative enough to see what is possible, and have the integrity to follow through with the plan. Remember, just because it’s on paper doesn’t mean it will happen – you have to decide to follow through and live up to your goals.

Get started by doing the following:

* Timeline. Establish where you want to be in five years? Ten? Thirty? Fifty?

* Research necessary costs. Your current “bills” plus 5% inflation per year. Don’t forget to factor in life insurance, health insurance, car insurance, etc.

* Research luxury costs. What you “want” to do. Cruises, nice cars, nice house, etc.

* Plan income strategy. For most people, they start with salaries. But don’t forget that your job isn’t your only means of income. Starting a side business, a money making hobby, or even making money online are viable options for extra income.

* Plan Investments. Investing is simply a must to counteract against inflation. You can invest in anything. Just make sure you know what you’re doing, and don’t put all of your eggs in one basket. As you age, financial security should become more and more important.

Try to factor in every cost and possible incomes. Whenever you aren’t sure about the numbers, be conservative. Also, bear in mind that a financial plan is ALWAYS about your goals. It’s not just about the money – it’s about getting what you want out of life. Money is just the tool.

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Source by Barry Ritz

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February 10, 2020
Who Will Become Wealthy in the Information Age?

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As you know, we’re now well and truly in the
Information Age. It began about 10 years ago. In fact,
many economists say it began in 1989, with the Fall of
the Berlin Wall (and the start of the World Wide Web).

To understand who will become wealthy in the
Information Age, first we need to understand how the
Information Age differs from the Industrial Age (born
about 1860, died about 1989).

In fact, let’s get a complete overview and go back to
the Agrarian Age.

In the Agrarian Age, society was basically divided
into two classes: the landowners and the people who
worked on the land (the serfs). If you were a serf,
there wasn’t much you could do about it:
land-ownership passed down through families and you
were stuck with the status you were born into.

When the Industrial Age arrived, everything changed:
it was no longer agriculture that generated most of
the wealth, but manufacturing. Suddenly, land was no
longer the key to wealth. A factory occupied far less
land than a sheep farm or a wheat farm.

With the Industrial Age came a new kind of wealthy
person: the self-made businessman. Wealth no longer
depended on land-ownership and the family you were
born into. Business acumen and factories were creating
a new class of wealthy person. But it still required
enormous capital to build a factory and start a
business.

Then came the World Wide Web (in about 1989) and
globalization. Suddenly, everything changed again.

Factories (or real estate) were no longer necessary to
run a business. Anyone with a website could start a
business. The barriers to wealth that existed in the
Agrarian Age and the Industrial Age were completely
gone. People who could never have dreamed of owning
their own business were making millions from their
kitchen table.

Of course, the Information Revolution didn’t begin
in 1989.

It began in 1444 when Gutenberg invented the printing
press in Mainz, Germany.

But the printing press (newspapers, magazines,
paperbacks) belonged to the Industrial Age, not the
Information Age.

The printing press is a ‘one-to-many’ technology. The
Internet is a ‘many-to-many’ technology. And that was
what changed in 1989.

The Industrial Age was about centralization and
control. The Information Age is about
de-centralization and no control. No government and no
media magnate controls the Internet. This is the
crucial thing to understand about the Information Age.

As we moved from the Agrarian Age through the
Industrial Age to the Information Age, there’s been a
steady collapse of the barriers that kept one section of
society wealthy and the other section poor.

In the Information Age, literally anyone can become
wealthy.

So now that we have a clearer picture of how the
Information Age differs from the Industrial Age, let’s
ask that question again: ‘Who will become wealthy in
the Information Age?’:

(1) People Who are Self-Taught

To explain this better, let’s go back to the Agrarian
Age and the Industrial Age, and the Transmission of
Skills.

In the Agrarian Age, skills were passed on from father
to son. If you wanted to learn how to be a blacksmith
you had to be a blacksmith’s son. If you wanted to
learn to be a stone-mason, you had to be the son of a
stone-mason.

With the coming of the Industrial Age, all this
changed. You could go to University and learn whatever
skills you wanted. Knowledge was freely available.

But in the Information Age, the Transmission of Skills
is changing once again.

The skills necessary to succeed in the Information Age
are not being learnt from our parents (as in the
Agrarian Age), nor are they being learnt in schools
and colleges (as in the Industrial Age). Children are
teaching their parents computer skills. And many of
the entrepreneurs who start hi-tech Internet companies
have never been to college.

The millionaires (and billionaires) of tomorrow
probably won’t have a college education. They will be
high-school drop-outs, self-taught people.

(2) People with New Ideas.

Again, it’s the people who are able to think outside
of the existing structures who will become wealthy in
the Information Age. Often, it’s just a Simple Idea
that launches people to success in the Information
Age.

Take Sabhir Bhatia, for example – the man who invented
Hotmail. Bhatia was a computer engineer working in
Silicon Valley. He had no previous business
experience, whatsoever.

But one day, while he was driving back from work, a
friend called him on his cell phone and said that he
had an idea: What about starting a free, web-based
email service? Bhatia knew this was the idea he’d been
waiting for. He told his friend to hang up immediately
and ring him at home on a secure line.

Three years later he sold Hotmail to Microsoft for
$400 million.

(3) Writers

The third group who will become wealthy in the
Information Age are Writers.

In the Industrial Age, Writers depended on large
publishing Houses to get published (remember that the
printing press is an Industrial Age technology – it is
centralized and controlled). And the Publishing Houses
took the lion’s share of the profits.

In the Information Age, Writers are doing their own
publishing – and keeping most of the profits
themselves. Indeed, Writers are flourishing on the
Web – mainly through eBooks and Ezine Articles.
But even if you don’t write eBooks or Ezine Articles,
if you own a website, you are a Writer.

Why?

Because the Internet is basically a written medium. It
favors writers, people who are able to communicate
effectively through the written word. Remember, it’s
not the graphics on your website that sell, it’s the
words you use.

In the Information Age, we’re all Writers!

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Source by

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February 9, 2020
A Modern-Day David and Goliath – Techno Teen Takes on Computer Giant – and Wins!

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“Those who say it can’t be done need to get out of the way of those that are doing it.” Unknown

The entrepreneur of today’s world can be compared to the legendary Don Quixote – chasing windmills in search of great fortune.

The entrepreneurial journey I would like to share with you in this article might be a bit of a surprise. I find it remarkable yet I have barely seen it mentioned in the press over the years.

Imagine the following scenario. The year is 1983. You are a college freshman at The University of Texas in Austin, sitting in your dorm room playing around on your computer.

1983. Pre-Internet. Pre-computers-on-every-desk, in-every-room-of-the-house. These were the days of PONG, where very few people sat around playing with personal computers. (If you don’t know what PONG is, ask someone a lot older than you.)

Back to your dorm room. You are supposed to be in class. Instead, you are sitting there playing around on your computer and you have a bright idea – the proverbial “light bulb” goes off in your head.

“I think I’ll start a computer company and compete with IBM!” Since no one is around to hear you and tell you how ridiculous you sound, you continue.

You have no employees. No manufacturing facility. No family in the computer business. You’ve never even worked for a computer company. Sure, you’ve been pulling computers apart and putting them back together since your were 15 but come on! Compete with IBM? Everyone around you thinks you have lost your mind.

Yet, you believe you have a better way.

You develop a passion for the idea of making better computers and selling them for less by going directly to the consumer.

The story goes that mom and dad heard that sonny-boy was skipping a lot of classes so that he could play with his computers. Mom and Dad decided to pay a visit one day and caught him red-handed. After reading Michael the riot act, Michael’s dad asked him what he wanted to do with his life. He told his dad that he wanted to compete with IBM.

Imagine that conversation!

And so it was that the 19 year old boy genius, techno-teen Michael Dell, armed with only $1000, abandoned his plans of becoming a doctor and dropped out of college after his freshman year to take on the big boys – IBM, Compaq, Hewlett-Packard, and others.

He believed he could outsource everything – the manufacturing, distribution, sales and service. Remember now, this was pre-Internet. Pre-global-out-sourcing. He believed he could bypass the traditional expensive distribution channels and go straight to the consumers, giving them exactly what they wanted – better quality, lower cost computers made specifically for them.

He knew what his consumer wanted because he was his own consumer – frustrated by poor customer service, crappy quality, non-existent customization and high prices.

The rest is history. Modern American business history, that is.

By the time Dell was 22 years old, his company had achieved annual sales of about $150 million. Starting with only $1000 and growing the company to a $1 billion (with a B!) public company in less than 10 years is a record few companies can match.

Today Dell, Inc. is a $57 billion company with the leading market share in the United States with over 46,000 employees, including more than 16,000 in Central Texas. Dell is listed as the 8th wealthiest person in the United States according to Forbes magazine (August 2007). Dell first made the Forbes 400 Wealthiest People in the United States at the ripe old age of 26. He is said to have been worth over $20 billion by the age of 40.

Dell has been named “Entrepreneur of the Year” from Inc. magazine; “Man of the Year” from PC Magazine; “Top CEO in American Business” from Worth Magazine; “CEO of the Year” from Financial World and Industry Week magazines.

Not bad for a college dropout.

Michael Dell. At age 19, he realized he could build a better mousetrap and sell it for less.

Simple formula. Brilliant execution.

The first time I heard this story, I frankly didn’t believe it. A college freshman takes on IBM, and wins?! No way, said my logical left brain. There has to be more to this story!

No, this one goes in the “truth is stranger than fiction” category.

Michael Dell was just a bright boy with a bright idea. Fueled by passion. Too young, too foolish, and certainly too focused to listen to the naysayers who said it couldn’t be done.

According to Dell, “No one told me that we couldn’t do it, and if they did, I wasn’t listening.”

It’s a good thing he wasn’t listening. In addition to revolutionizing the personal computer industry, Dell has donated more than $1 billion in stock to the Michael and Susan Dell Foundation, which is now one of the country’s largest foundations. The foundation focuses on children’s health and education initiatives.

Even though today’s story is about a mega-millionaire with a gazillion dollar company, never forget that once upon a time, Michael Dell was a lot like you and me. Just a kid with a dream that wouldn’t die.

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Source by Gina Carr

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February 9, 2020
Book Review: Breaking Through, Being Healthy In Mind, A 250 Pound Weight Loss Story

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I recently finished two of this author’s eBooks: Breaking Bad, Overstanding Behavior from an Abusive Father, Breaking Point 1, and Understanding Manifestation, Create a Vision and Hold on Tight, Overstanding Book 1. The author, Jason Criddle, is a product of mixed race and broken home. His father, a black man, severely beat him when he was young, and when Jason was nine-years-of-age his father left him and his white mother to their own devices.

I was impressed with this author’s writing style as well as his forthright openness about his childhood and the insights into his eventual success. Consequently, I just had to read this book too. But the primary reason I looked for this weight loss reading in particular is the personal journey that I’ve experienced with obesity.

I was a slender youth, an active athlete in high school, and well-muscled – “lean and mean” while in the Marine Corps. However, about fifteen years ago I came to the realization that I’d gained from 3 to 5 lbs. annually for the past twenty-five years. When I was in the Corps I weighed 185 lbs. Since then, the high-water mark for me was 308 lbs. I felt terrible, it hurt to sit with that large belly in the way, and each of my joints ached when I walked. So, I’ve been searching for diets to bring me back to my optimum weight.

Slim Fast and other supplements didn’t help. Atkins, liquid, and a number of other diets didn’t help. I’ve read a few books that have helped to some degree… books about quinoa, healthy slushies, juicing, paleo-diet, even hypnosis, and self-affirmations, all have helped. But I needed to find something that was all-encompassing, something that would touch all aspects of life. I found it in Breaking Through. Our author has presented us with a change in living, a change in life, and a new method of thinking. It’s not just diet and, in fact, this is not a diet book. It’s about keeping active, eating smart at correct intervals, and thinking positively.

I’m proud to say that I’ve lost 21 pounds, down to 287, about a pound or two over each of the past three months. That is in fact the best way to lose weight – slowly, but consistently. If you tend to gain weight over the holidays and need to start a healthier lifestyle this, of course, isn’t the answer to everything, but it’s certainly a start and it’s an inspiring read!

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Source by Christopher E Gregory

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February 7, 2020
The Cash Register and Their Uses
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We have all at least seen a cash register if not used one. Cash registers are an integral part of retail businesses and most cannot operate without one. Invented by James Ritty after the Civil War out of necessity for the running of his saloon. His main goal was to stop employees from skimming money and he got the idea after seeing a tool that counted the revolutions of propellers for steamships. Patented in 1883, the cash register soon took on a life of its own and after being sold a few times, finally settled into what it is today.

Today the cash register does not require you to break a nail while pushing down huge buttons that were known for sticking down and causing all sorts of problems. There are no longer number tabs that pop up to show you the amount being rung up, but rather most registers are computerized. Computer cash registers are available in many forms today and may consist of just a simple program that you run on your desktop computer that uses an interface just like a regular cash register to entire pos systems that come complete with bar code scanners, a till drawer and receipt printer. Pos cash registers are what most of us are familiar with today as all the large retailers use them.

Computer cash registers or pos cash registers are highly advanced and will do everything from ringing up the customer’s purchases to doing your taxes. Many of the systems will come with a program that keeps track of your inventory which will save you time and money by streamlining the process and not having to do physical inventory. Don’t forget the options like bar code scanners and laser receipt printers that will help keep your business running smoothly.

Touch screen cash registers are the first choice among restaurants and grocery stores. These registers will display menu choices and options that will make ordering quicker by just pressing the screen. Restaurant cash registers are designed so that the kitchen will receive the order when the wait staff enters it into the computer so they can begin preparing immediately. This makes for a much more efficient restaurant. Many of these pos systems also come with age verification software which is handy for those in the bar business. These registers also allow for unique user id’s that keep track of each person who uses the register, their orders and their sales. Most are able to download your business for that day or week into tax programs such as Quick-books.

The importance of cash register tape might seem little, but this is an important addition to any system and should be allowed some consideration before purchase. Today, most register systems and credit card machines use thermal paper for receipts. This paper requires special thermal printers that burn the image into the paper. Laser printers are also used and they have their own special type of receipt paper as well. These types of printers do not require ink, which is one less expense because in the long run ink will cost you a fortune, but they are much pricier up front than your regular paper receipt printers.

Below is a list of registers and prices that you can expect to pay:
- 8 Department Standard Electronic Cash Register (recommended for small businesses) starting at around $100 – These registers are very basic, but for the small retailer they are perfect – They use standard paper for their receipt printing
- 40 to 99 Department Standard Electronic Cash Register (recommended for small to midsized businesses) from $200-$350 – Same considerations as register above
- Touch Screen Cash Register (varies depending on size and bundles/options, recommended for restaurants and bars) $500-$2500 – These registers will almost always be used with thermal or laser receipt printers
- POS Systems (varies depending on size and options) $1500-$3200 – Used almost always with laser or thermal printers.
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Source by Gerald Hill

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February 6, 2020
Caribbean Medical School: Fastest Way to Be a Doctor?

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Caribbean medical schools have long been the butt of jokes but their graduates are the ones having the last laugh. There are thousands of licensed physicians from Caribbean schools practicing all across the country. Over 25% of all doctors in the US are from international schools. Do you know where your primary care physician went to medical school? This is the field where Caribbean graduates are expected to dominate with a large percentage of graduates training in Internal and Family Medicine. They are expected to fill a nationwide shortage that is currently occupied by Physicians Assistants and Nurse Practitioners.

Picture this. A 17 year old high school graduate enrolls in a pre-medical program at a Caribbean university. Schools will automatically accept students to their medical programs as long as they maintain a certain GPA in the pre-program. This means there is no need to take the MCAT so you can save yourself the headaches from preparing for that. The program is completed in 2 years and the student enrolls in the first year of the medical degree program at 19 years old.

Numerous Caribbean schools offer an accelerated curriculum that divide the year into trimesters. Students attend school year round and are able to complete their M.D. in less than 36 months. Not to mention you only spend 18 months studying on the island. The clinical years are spent training alongside American medical student at hospitals in the US. St. George’s medical school has hospital affiliations that match any US school. Our fictional student graduates with his Doctorate in Medicine at the ripe age of 22 (going on 23).

Our new graduate is eligible to practice in any state in the country as long as he attended one of the “Big 4” Caribbean medical schools (St. George’s University, Saba University, Ross University and American University of the Caribbean). Internal Medicine residencies last 3 years so we have a residency trained physician ready for board exams, licenses and employment at a mere 25 years old. Not quite Doogie Howser but it’s impressive to say the least.

This accelerated path also benefits those seeking a new career or chasing their dream of being a doctor. Time is of the essence and wasting summers off in the traditional semester system is not time well spent. Caribbean medical schools are littered with nurses, pharmacists, dentists, chiropractors and many other health care practitioners. Many schools offer several different entrance times during the year giving flexibility for students who want to begin their medical education immediately.

There is risk involved in attending a medical school overseas but there have been thousands who have blazed the trail before you and set the precedent. Caribbean medical schools produce capable physicians and fill an integral need in the health care system of the US.

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Source by Greg Andrew Park

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February 5, 2020
Larry Ellison – Here Is A Terrifyingly Good Rags To Riches Story

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Born to an unwed Jewish mother and an Italian American US Army Air Corps, Larry Ellison did not have a fairytale childhood at all. Unable to raise him properly, his mother gave him to her aunt for adoption at the age of just 9 years. Larry had a severe bout with pneumonia at that time. His adoptive father was a Government Employee who lost all his earnings in the Great Depression.

Raised in a Reformed Jewish home, Larry respected people who believed in religion even though he did not believe in that stuff at all. A dropout from the University of Illinois-Champaign, Larry completed his education at the University of Chicago. This was his first tryst with computer designing.

Larry realized that his heart was with computers. At Amadhi Corporation and Ampex Corporation, he learned the ropes of the trade. One of the projects done by him was preparing a database for the CIA. He named it ‘Oracle’.

The year 1977 saw him venture into the business arena when he founded Software Development Laboratories along with two other friends with an initial capital of $2000. This company was rechristened ‘Oracle Systems Corporation’ in 1982. This company had its share of near bankruptcies before ruling the regional database market along with Sybase, Informix and Microsoft.

The years 1994 to 2010 was the golden period for Larry Ellison and Oracle as they acquired Sun Microsystems and expanded their grip on their domain. Larry has the power of being the CEO of the company until 2014 after which he assumed the post of The Executive Chairman and Chief Technology Officer.

Imagine a person starting a company with a meager sum of $2000 ending up as the seventh wealthiest man in the world in February 2017 with a net worth of $55 billion, according to Forbes. This is a true rages to riches story.

Is It Possible For You?

The answer to that question is yes. All you must do is get educated on the industry you will like to become affiliated with. Luckily for you, there are organizations of experts who offer free reports to help those who are in need of some information on how to multiply their income like how Larry did.

Obviously, there are a lot of resources of the internet, but the main thing to take away is the proper method on how to capitalize on the right investment.

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Source by Marc-Eddy Drouinaud Jr

Views: 0

February 5, 2020
TOP TEN Pound 4 Pound Best Boxer Ever

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Before we start our list, I wanted to take some time to comment on 2 fighters that may have strong support in certain communities for being among the best ever, but truly do not have a place on the list.

NOT RANKED

Rocky Marciano – Won 49 Lost 0, 43 KO

Ask any Italian who the greatest boxer ever was, and you will never hear the names Ali, Louis or Sugar. Nope. You will only hear the name Rocky Marciano, the only heavyweight champion to retire undefeated. To his credit, Rocky Marciano did make a habit of beating up his opponents in the ring. Add the fact that his most notable victory was over his childhood idle, Joe Louis, whom he sent back into retirement. But Joe was well past his prime. He also beat Archie Moore, but he also was already in his early forties. So to the entire nation of Italy and her children I say to you, Rocky Marciano could not beat any of the champions in my Top T.E.N.

Lennox Lewis – 41 wins, 2 losses, 1 draw, 32 KO

Lewis will most likely go down as one of the most intelligent, calculated champions ever. But that is not what pound for pound is based on. Lennox was able to capitalize on Tyson’s jail term to reign as champion, then got out before the Klitchko brothers could undo the legacy he has manufactured for himself. He stayed an extra 4 years as an amateur to win a gold metal against younger opponents (Riddick Bowe for the medal bout). He then became champion only because Bowe gave up the title. He backed out of Tyson’s way (accepting a huge multi-million dollar payoff from Don King as payment for Tyson taking his ranking) as he was climbing back up to regain the championship that was handed to him. I believe that history will judge him for the fake that he truly is.

And now, to the top ten best pound for pound boxers:

10 – Mike Tyson – 50 wins, 5 losses, 2 no contests, 44 KO

No other fighter has been called “the baddest man on the planet”. Mike Tyson was perhaps the most feared person in boxing history. Up until Buster Douglas embarrassed Iron Mike, Mike Tyson made fighters give up. Going up through the amateur ranks, boxers actually lost on purpose so as to not fight Tyson in tournaments. How ironic that Tyson’s worst defeat was not to a boxer, but to a beauty pageant contestant named Desiree Washington. There is a great chance that had Tyson not suffered a 3-year setback, he would have easily moved up and be universally recognized as one of the best ever.

9 – (Big) George Foreman – Won 76 lost 5, 68 KO

Foreman’s biggest enemy opponent has always been himself. He could not accept defeat. After making his name as one of the most dominant fighter ever, his loss to Ali took him out of professional boxing for over a year. He made his first comeback attempt in 1977, knocking out his next 5 opponents (including Frazier, again), only to retire after losing a 12 round decision. A decade later, Foreman made an improbable comeback at the age of 38. Foreman made it again near the top of the boxing rankings, and despite suffering setbacks against Holyfield and Tommy Morrison, Foreman shocked the world when he stunned Michael Moore with a knock out in the 10th round. His next few bouts further proved that even unto his late 40th, Foreman was still a formidable force.

8 – (Sugar) Ray Leonard – 36 Wins, 3 Loss, 1 Draw, 25 KO

Leonard has to be on this list if only for the pure psychology he was able to inflict on his opponents. Only Ali could get into his opponents head more. Add to that all the titles his has own, in multiple weight divisions, and you have your number 8 all time. Like most great fighters, he just did not know when to quit, so you will have to ignore the last few fights of his career. Sugar Ray beat them all, from Duran (No Mas, No Mas), to Hagler, then Hearns, Sugar Ray’s stock only dropped because of his own issues. He first retired due to a detached retina, and it can be argued that a serious cocaine habit between 84 and 89 further damaged his career.

7 – (Marvelous) Marvin Hagler – 62 Wins, 3 Losses, 2 Draws, 52 KO

Yes, we have the Marvelous one ahead of Leonard, even though Leonard beat Hagler in their one encounter. Hagler was so distraught by that loss that he left before, and even refuses to talk about that fight today. Hagler’s only 2 losses were early on in his career, and he responded to them by beating both fighters. He would have continued to dominate the middleweight division had he not suffered the mentally debilitating loss to Leonard. While Hopkins has been middleweight champion longer, with more title defenses, it can be argued that he never faced opponents the caliber of Duran and Hearns, both of whom Hagler defeated.

6 – Archie Moore – 181 wins, 24 losses, 9 draws and 1 no contest, 145 KO

Looking at the record, it is easy to see why the “Old Mongoose” or “Ancient Archie” has made it to the list. Archie’s career spanned over 4 decades, and it the only fighter to have faced by Rocky Marciano and Muhammed Ali. Archie was a better Light Heavyweight than he was a pure Heavyweight. He had his light heavyweight title stripped from him twice because he was too busy fighting at a higher weight class. No other fighter has knocked out as many professional opponents as Archie.

5 – Roy Jones Jr – 49 wins, 3 losses, 38 KO

This particular selection is highly debatable, and may end with Roy’s removal from the list completely. While there is no denying his talent, there is question as to if his showmanship and opponent section unfairly propelled him into his status. Winning a championship fight after playing paid basketball the same day was previously unheard of. As was becoming a champion at middleweight all the way up to heavyweight. Before his last two fights, Jones’ only defeat was a bogus call after he was disqualified against Montell Griffin, which he quickly avenged. Jones has at least warranted due considering, and an initial entry to the list.

4 – Joe (Brown Bomber) Louis – Won 68 Lost 3, 54 KO

While there seems to be some dispute over whether 5 of his victories by KO were exhibition matches or not, there is a consensus not take seriously 2 of his 3 losses in failed comeback attempts. The last, and most humiliating defeat was an 8th round KO through the ropes by Rocky Marciano. The Brown Bomber was so much in debt, that he tried to come back well past his prime. The fact that so much cultural identify was thrust upon his shoulders, made Joe Louis not only one of the greatest pure fighters, but a true icon for America’s 2nd class citizens. Joe will be best known for his 1st round KO over Germany’s Max Schmeling in 1938. Schmeling beat the favored Louis in 12 years only a few years earlier. Even when Joe won the Heavyweight title by knockout, he refused to be called champion until he settled the score with Schmeling. It is this attitude that made him a national hero despite his color.

3 – Julio Cesar Chavez – Won 104 Lost 5, 2 draws, 80 KO

Julio is a Mexican world champion boxer who won world titles in 3 different divisions. Among the world champions that Chávez defeated in his career are Edwin Rosario, Jose Luis Ramirez, Rocky Lockridge, Meldrick Taylor, Roger Mayweather, Sammy Fuentes, Héctor “Macho” Camacho, Juan Laporte, and Tony López. Chavez went 13 years before not winning a fight, with a draw to Pernell Whitaker, and it was another year later before he suffered his first defeat which was avenged 4 months later. Only in his last 8 years of his 24 year career did Chavez acount for 4 of his 5 losses to 3 different oppenents. He was able to avenge his lose to Willey Wise, but failed in second attempt to Oscar De La Hoya.

2 – Muhammed (Louisville Lip) Ali – won 56 Lost 5, 37 KO

In my book, Ali will also go down as one of the greatest human beings of all time. As purely a boxer, only a “what could have been” during his 3 year lay off after refusing to go to Vietnam prevents him from being the best ever. He came back after 3 years to lose his first of three asking Joe Frazier. Both were undefeated at the time. The same happened with Ken Norton. In both cases, Ali came back to whup them in the next 2 fights. Although the two became friends later on, Ali is also credited with knocking Foreman out in the ring, out of boxing, and onto the pulpit. Leon Spinks got Ali during his declining years, but Ali still come back to beat him in 1979. What happened to Ali in the next two fights against Holmes and Berbick is eerily similar to what is happening now with Roy Jones Jr. In neither case, should those 2 fights be included into what was an otherwise spectacular career.

1 – (Sugar) Ray Robinson 179 wins, 19 losses, 6 draws, 2 no contests, 109 KO

While many fighters have held that nickname over the years, none have been as sweet as Ray Robinson, whose real name was actually Walker Smith Jr. Robinson won the middleweight title an unprecedented 5 times. Even Muhammed Ali referred to Sugar Ray as the greatest fighter ever (it is rumoured that Robinson actually refused to give Ali an autograph when Ali met him while Ali was still young, and Clay). Unlike Moore, the majority of Robinson’s losses came at the end of his career.

Honorable Mention

Floyd Mayweather Jr – 32 Wins, 0 Losses, 21 Knockouts

Now regarded (arguably) as the best active pound for pound boxer

Roberto Duran – 103 Wins, 16 Loss, 69 Knockouts

He will forever by scarred by his 8th round quit job on Sugar Ray Leonard.

Evander (Real Deal) Holyfield – 38 Wins, 7 Losses, 2 Draw, 25 KO

Was undisputed cruiserweight and heavyweight champion of the world. He also was the man that destroyed the aura that was Mike Tyson. He will have his place in boxing history, but not as one of the greatest ever.

(Smokin’) Joe Frazier – 32 wins, 4 losses, 1 draw, 27 KO

Also one of the most feared fighters ever, but 2 losses to Ali and Foreman will keep him off this list.

Thomas Hearns – 59 wins 4 Loss 1 Draw, 46 KO

AKA “the Hit Man” and “the Motor City Cobra”, Hearns won seven world championships in six weight classes during his 22 year pro career. But losses to Leonard (his first ever) and Hagler will keep him off the list.

Bernard Hopkins – 45 wins, 2 losses, 1 draw, 1 NC, 32 KO

More so than Hagler, Hopkins had a slow start to his career. When he finally won the belt, he has defended against the best of the 90’s and 2000. He may end up considered in the 10 top yet.

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February 3, 2020
Created To Bond – Changes That Heal Part II
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Failure To Develop Relationships

Emotional ties have a dramatic effect on our well-being. When one fails to develop relationships or bond with others, it can and often does affect their ability to stave off or recover from a variety of not only physical but also emotional ills. When they learn to attach to and trust others, they begin to develop not only emotionally, but also psychologically. Thus, their ability to bond with others… to become closely knit, often carryover into their home life.

When a child is distressed, he/she may show unusual signs such as increased pulse, increased or labored respiration, helplessness, and hopelessness and may easily become enraged. These signs are often seen when the biological parent remarries and the child tends to believe that he/she must compete with the step-parent for the biological parent’s attention.

When the adoptive or step-parent enters the situation with food, physical contact, compassion and other help, the child learns her parents can meet her needs. The child is then more active and able to respond to stimulation such as playing. When the child is content, she is able to sleep and feel comfortable in her surroundings.

According to Deborah Gray, author of Attaching in Adoption, “attachment is a relationship formed primarily with members of the family and requires more time and interaction to be created. Attachment is what most adoptive parents are referring to when they talk about bonding with their child. Adopted children of all ages may have an attachment to their birth family, even if the relationship was neglectful or abusive. Many adoption experts agree that if a child can form an attachment to birth and foster parents, she will have the skills to attach to her adoptive family as well.”

Signs of Secure Attachment

The parental attachment process can often take weeks or years to fully develop, and in some cases there maybe pervasive attachment disorders for which professional therapy will be required. A strong indicator of whether attachment is taking place is the comfort with which the adoptive or step-parent is able to recognize the child’s needs. It is important to remember that the repetition of parents meeting a child’s needs is the foundation of forming a secure attachment with children of all ages, not just infants.

The attachment bond shapes an infant’s brain

The attachment bond is the term for our first interactive love relationship-the one we had with our primary caregivers, that is, our mothers. The mother-child attachment bond is instrumental in shaping infants brains. This important attachment profoundly influences our self-esteem, our expectations of others, and our ability to attract and maintain successful relationships. So, the success, or failure, of our first love-the attachment bond-has a life-long effect.

Our secure attachment bond shapes our abilities to:
- feel safe
- develop meaningful connections with others
- explore our world
- deal with stress
- balance emotions
- experience comfort and security
- make sense of our lives
- create positive memories and expectations of relationships
Attachment bonds are as unique as we are. Primary caretakers do not have to be perfect. They do not have to always be in agreement with their infants’ emotions, but it helps if they are emotionally available a majority of the time.

We were born with an innate or preprogrammed need to bond with one very significant person-our primary caregiver, usually our mother. Like all infants, you were a small bundle of disjointed emotions-intensely experiencing fear, anger, sadness, and joy, often at the same time. The natural emotional attachment that grew between you and your caregiver was the first interactive relationship of your life, and it depended upon nonverbal communication. Therefore, the bonding you experienced in this relationship determined how you would relate to other people throughout your life. This bonding relationship established the foundation for all verbal and nonverbal communication in your future relationships.

For better or worse, the attachment bond profoundly influences the infant brain. It is a baby’s first love relationship. When the primary caretaker can manage personal stress, calm the infant, communicate through emotion, share joy, and forgive easily, the young child’s nervous system becomes “securely attached.” The strong foundation of a secure attachment bond enables the child to be self-confident, trusting, hopeful, and comfortable in the face of conflict. As an adult, he or she will be flexible, creative, hopeful, and optimistic.

People who fail to establish this type of bonding relationship often experience confusing, frightening, or broken emotional communications during their infancy and often grow into adults who have difficulty understanding their own emotions and the feelings of others. This hampers their ability to establish, build and/or maintain attachments leading to successful relationships.

What is Attachment?

Attachment is the relationship between infants and their primary caregivers-is responsible for:
- shaping the success or failure of future intimate relationships
- the ability to maintain a normal emotional balance
- the ability to enjoy being ourselves and to find satisfaction in being with others
- the ability to successfully rebound from various disappointments, discouragement, and misfortune
Many scientific studies of the brain-and the primary role attachment plays in shaping it-has given us a new basis for understanding why vast numbers of people have great difficulty communicating with the most important individuals in their work and love lives. Once, we could only use guesswork to try and determine why important relationships never evolved, or developed chronic problems, or fell apart. Now, thanks to new insights into brain development, we can understand what it takes to help build and nurture productive and meaningful relationships at home and at work.

What is the attachment bond?

The mother-child bond is the primary force in infant development, according to the attachment bond theory pioneered by English psychiatrist John Bowlby and American psychologist Mary Ainsworth. The theory has gained strength through worldwide scientific studies and the use of brain imaging technology.

The attachment bond theory states that the relationship between infants and primary caretakers is responsible for:
- shaping all of our future relationships
- strengthening or damaging our abilities to focus, be conscious of our feelings, and calm ourselves
- the ability to bounce back from misfortune
Scientific research reveals the infant/adult interactions that result in a successful, secure attachment, where both people are aware of the other’s feelings and emotions is the necessary precursor for successful relationships. These studies also reveal troubled, or insecure attachment, in which the communication of feelings fails thus resulting in an inability to form the bind needed to establish a solid relationship. Researchers found that in order to have successful adult relationships there must exist in us and we must depend on the ability to:
- manage stress
- stay “tuned in” with emotions
- use communicative body language
- be playful in a mutually engaging manner
- be readily forgiving, relinquishing grudges
The same research also found that when an insecure attachment exists some type of abuse may have caused it, but it is just as likely to be caused by isolation or loneliness. These recent discoveries offer a new glimpse into successful love relationships. Taking these observations into account often provides the keys to identifying and repairing a love relationship that is strained or falling apart.

Insecure attachment affects adult relationships

Insecurity can be a significant problem in all of our lives, and it usually takes root when an infant’s attachment bond fails to provide the child with sufficient structure, recognition, understanding, safety, and mutual accord. These insecurities may lead us to:
- Tune out and turn off-Most often, if our parent is unavailable and self-absorbed, we may-as children-get lost in our own inner world, we become introverted, avoiding any close, emotional connections. This often causes us as adults to become physically and emotionally distant in relationships.
- Remain insecure-If we have parents who are inconsistent or intrusive, it’s more than likely that we will become unrealistically anxious and fearful, never knowing what to expect. Then as adults, we may become willingly available one moment and totally rejecting the next.
- Become disorganized, aggressive and angry-When our early needs for emotional closeness and comfort is neglected, or when a parent’s erratic behavior is a source of disorienting terror, emotional problems are sure to follow. As we grow into adults, we may lack the ability to love easily and may unknowingly be insensitive to the needs of our partner.
- Develop slowly-Problems often occur when we fail to develop as rapidly as we should, both emotionally and intellectually. Such developmental delays often manifest themselves in the form of deficits and often result in subsequent physical and mental health problems, and generally lead to social and learning disabilities.
Lessons Learned From Our Attachment Bond

There are many powerful, life-altering lessons we learn from our attachment bond-our first love relationship continues to teach us as adults. The gut-level knowledge we gained from this bond then guides us in improving our adult relationships and making them secure.

Lesson No. 1-All adult relationships depend on nonverbal forms of communication for their success. These nonverbal communication skills are learned in infancy. Newborn infants cannot talk, reason or plan; yet they are equipped to make sure their needs are met. Infants don’t know what they need, they feel what they need, and communicate accordingly. When an infant communicates with a caretaker who understands and meets their physical and emotional needs an attachment takes place and the strength of that attachment influences other relationships later in life.

Lesson No. 2-Relationships in which the parties are tuned in to each other’s emotions are called attuned relationships, and attuned relationships teach us that:
- nonverbal cues deeply impact our love relationships
- as we play it helps us smooth over the turbulent times we endure in love relationships
- inevitable conflicts can build trusting relationships if we approach them without fear or a need to punish or retaliate
When we can recognize knee-jerk memories, perceive expectations, inappropriate attitudes, unfounded assumptions and improper behaviors as problems resulting from insecure attachment bonds, we can squelch their influence and their effect on our adult relationships. That recognition allows us to readily reconstruct the healthy nonverbal communication skills that ultimately produce an attuned attachment and successful relationship.

Becoming an Adult and Relationship Orientation

As we grow into adulthood, for the most part we bring with us the ideas and communication lessons we have learned from the time of our infancy. Whether these are good or bad depends on our ability to not only view life from our perspective but also have the ability and the willingness to see things from the other person’s point of view as well. When we are able to do that, then we are in a more astute position to deal with situations and circumstances that are adverse to us.

As we move through the adolescent stage of life we find ourselves at odds not only with others but also with ourselves. We want to be an adult with all of its rights and privileges sooner that we can become one, yet at the same time we want to abdicate the responsibility that goes with that station in life. It is a time of being able to make your own decisions and taking authority over your own life, but you are not there yet. You must learn to maintain control of your impulsiveness and your inhibitions. You must be able to objectionably reevaluate your beliefs, see your parents and authority figures realistically, recognize and pursue your God-given talents and goals, and be willing to take ultimate responsibility for yourself. Finally you must be able to accept and appreciate people who are different.

This ability helps us to be able to accept the good and the bad because we are able to address situations in a mature manner. When we are able to do this, we place ourselves into a position of strength, resulting in a proper evaluation of ourselves. Thus we are able to overcome some of the most persistent problems we face daily because now we are not only able to see things in black and white but also in the various shades of gray. As such, we are able to make allowances for our and other peoples mistakes.

We at that point come to realize that everything in life doesn’t have to go our way in order for us to be happy. We gain a new perspective on ourselves, others and God as a result of our changed thinking. We are then able to deal with each other with mercy, in grace, with the understanding that we too make mistakes. When we move into the realm of tolerance and forgiveness, we are able to love others without them having to be perfect.

Yet, in order to accomplish the task and responsibility of growing up we must also be willing to take responsibility and be accountable for those things of which we have been put in charge. Those things include our attitude, tongue, and actions. As we continue to grow in stature and wisdom the maturity level of our life should also increase proportionately.

Differences Between Men And Women

From my experience in dealing with women, (my mother, aunts, seven sisters and many friends and associates) I find that the majority of women are generally oriented towards their existing friendship networks whereas men were more interested in meeting new people and finding people who had similar interests — in other words, men would rather enjoy the adventure of reaching out to new people rather than cementing their existing relationships.

These results contribute to the growing research on social capital, networking and highlight the importance of examining specific interactive applications. The importance of distinguishing between strong and weak ties plays a major role in establishing new relationships. Also, it is necessary to consider the importance of taking into account gender differences in social interaction patterns. Whereas, women increase their bonding social capital as a result of using these sites but men do not. Women, on the other hand, show a decrease in bonding social capital with those whom they meet outside of their normal sphere of influence.

The fear of incorporating emotional intimacy into these association/relationships is mainly due to a fear of rejection and engulfment – a fear of losing the other and/or losing yourself. To overcome this obstacle you must be able to establish an inner bond with yourself. Inner Bonding is a transformational process for healing the fear of intimacy related ideas that have been carried from past experiences.

The mental visualization of these experiences often cause us to digress into a self-contained state of emotional security that hinders our ability to openly tolerate the inconsistencies we see in others. As a result, we ourselves are moved to a protective state and therefore unable to deal with the negative feelings that we will invariably experience. This barrier can block us from resolving issues that in reality are non-issues.

The Immaturity In Adolescence

Struggles with adolescent identity and depression usually set in when an adolescent experiences a loss. The most important loss in their lives is the changing relationship between the adolescent and their parents. Adolescents may also experience strife in their relationships with friends. This may be due to the activities their friends take part in, such as smoking, which causes adolescents to feel as though participating in such activities themselves is likely essential to maintaining these friendships. Teen depression can be extremely intense at times because of physical and hormonal changes but emotional instability is part of adolescence. Their changing mind, body and relationships often present themselves as stressful and that change, they assume, is something to be feared.

Your experiences in life help you to mature. The maturity is developed when you know you have no one to blame for the past but the circumstances and your immaturity. Oftentimes your immaturity stopped you from having a proper perspective of the facts facts and seeing things as they were. This made you blame others for your sufferings. You may have created and escalated your suffering without realizing the facts and circumstances and taking a easy way out by holding others responsible for it.

You feel you are always on the receiving end of every wrong or perceived wrong due to your immaturity. However, life has a knack of replaying memories and after few years it recreates the same circumstances but this time puts you on the opposite side (giving end), you are left with no choice but to accept the fact that you were so immature then and have grow-up with years. As you mature, life makes you see your ‘old you’ in somebody else now in these replaying of circumstances and you know that the other person still has to wait years ahead to grow and realize these facts.

Maturity slowly leads to wisdom when you know that it is only you who has to stand up and take responsibility for your past – action / inaction, sufferings / failures instead of holding others responsible. It is truly said that you create your own happiness. By blaming others and holding grudges you keep happiness at bay and give way to hatred and self pity. However, with time and wisdom when you accept the responsibility for your sufferings and embrace all your successes without pride -you are truly happy.

Divorce And Its Affects On Maturity

Children of divorced parents often bitterly vow not to repeat the same mistakes. They want to avoid putting themselves and their own children through the pain that comes from the dissolution of a marriage. But, according to University of Utah researcher Nicholas H. Wolfinger, these children’s aspirations face unfavorable odds. “Growing up in a divorced family greatly increases the chances of ending one’s own marriage, a phenomenon called the divorce cycle or the intergenerational transmission of divorce.” Dr. Wolfinger has spent almost a decade studying the marriages of children from divorced homes in America. These children are more likely to marry during their teenage years, cohabitate and marry someone who is also a child of divorced parents. And they are also one-third less likely to marry if they are over age 20.

“Understanding the Divorce Cycle: The Children of Divorce in Their Own Marriages,” by Wolfinger, published by Cambridge University Press, contains important information for those interested in divorce and its repercussions. “Divorce is an important topic because it has so many consequences for well-being,” writes Wolfinger,

“Its transmission between generations adds a whole new dimension by perpetuating the cycle of divorce. The divorce cycle, in short, can be thought of as a cascade. Ending a marriage starts a cycle that threatens to affect increasing numbers of people over time, a sobering thought in an era when half of all new marriages fail.” His research also suggests that if one spouse comes from divorced parents, the couple may be up to twice as likely to divorce. Spouses who are both children of divorced parents are three times more likely to divorce as couples who both hail from intact families.

Besides observing the marital stability of the offspring of divorced couples, Wolfinger’s book provides another perspective on how parental divorce affects offspring marriage timing, mate selection, cohabitating relationships as well as historical trends in the divorce cycle. Wolfinger also explores the divorce reform movement in America and argues in favor of no-fault divorce laws, arguing that a return to an age of tough divorce laws would recreate the social conditions that used to make divorce harder on children.

It is my opinion considering all that has been written on this subject that one reason children from divorced families get divorced more often is because they have a tendency to marry as teenagers. Social history demonstrates that the older you are when you marry, the less likely you are to get divorced. It’s good advice for everyone.”

On the other hand, the more transitions children experience while growing up, the more they will experience as adults. Taking this into consideration, the question that needs to be asked is, “What is the hardest for kids is how many disruptions they experience — the up-and-down cycles.

This is a valid question because many children will have stepparents, and some will see their new families dissolve. This type of disruption occurs any time they lose a parent — except from death. That’s different, and doesn’t have the same negative effects on children… whereas divorce is ambiguous. Children wonder whether the divorce was their fault or who is to blame. And they wonder ‘Is he coming back?’” It is certainly good news that people are less likely to stay in high conflict marriages than they used to. However, “ending a low-conflict marriage may hurt children as much as staying in a high-conflict family,” and the odds of divorce transmission are actually highest if parents dissolve a marriage after little or no conflict. It therefore behooves us to evaluate the effects divorce will have upon our children and their emotional well being should we decide to travel that road.

But before making that decision, we should honestly examine ourselves and the motivating things that are moving us in that direction. This inventory, if prayerfully done will allow us to see the other persons point of view more clearly and thereby make the necessary adjustments, where warranted, to resolve the issues that precipitated situation to begin with. If we are truly willing to continue the relationship, then we must take the necessary steps needed to resolve the issues of what is good or bad by first considering what we could have done to alleviate the problem rather than casting blame. When we allow the power of forgiveness to flow in us we cannot only deal with the past and present, but also the future as bonds are cemented.

Gray, Deborah. Attaching in Adoption: Practical Tools for Today’s Parents. Indiana:Perspectives Press Inc., 2002.

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Source by Franklyn T. Johnson, Ph.D

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February 3, 2020
Who Wants to Be a Millionaire? A Review of My Millionaire Mentor

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My Millionaire Mentor Review

Who wants to be a millionaire? Everyone! And yes, this opportunity promises to make you one in a matter of months. But hey, don’t we know that if there is something that sounds too good to be true, it is likely to be not true? Whenever we see any opportunity that promises a lot of money very fast, and with minimal efforts, it is natural to feel a little skeptical about it. There are thousands of such scams on the internet which claim to let you into a secret which will make you a millionaire in a matter of months. But eventually, you just end up spending your precious time and your hopes are dashed when time passes by and you make no money at all.

However, My Millionaire Mentor seems to be slightly different from all those false promises that are strewn around the internet. So let’s try and figure out whether this is actually a good opportunity or yet another internet money making scam.

What is My Millionaire Mentor?

My Millionaire Mentor is Ryan Matthew’s personal website where he offers to train fifty internet newbies and teach them a six step secret which will make them earn anything from $1000 to $5000 per day. Wow! That’s a lot of money, right? But what does one have to do in order to earn this kind of money? That is precisely what millionaire Ryan Matthews wants to teach you.

He is going to personally coach the first fifty people who sign up for this program, and he promises to let them in on the secret which has made him earn around $11 million in just two years. He adds that in order to make that whopping amount of money, he had to work for only an hour per day! When you see his San Diego beach house and his neat set of supercars, it seems like a fantasy. And when he promises that you can have all of that, it seems to be an even more unlikely proposition.

Ryan Matthews also adds that this process is completely risk free, and does not involve going to your friends and family to sell a particular product. He makes it very clear in his promotional video that you will not be a salesperson of any kind. Moreover, he guarantees that there is no way that you can lose money by participating in this program. So what is this program all about? Read on to find out more.

Is My Millionaire Mentor A Good Opportunity?

In the promotional video for the company, we find people from different walks of life thanking Ryan Matthews for completely transforming their lives. One instantly identifies with those people. All of us have debts and mortgages that we struggle to pay, even though some of us work on two jobs. We spend all our days working hard to pay off our debts, while the best times of our lives just pass us by. Who wouldn’t want to spend more time with their kids rather than working in office on a Saturday night? Moreover, there are so many other financial pressures that we have on our shoulders – like college funds, home loans, health worries – that we hardly find time to follow our dreams and live our lives to the fullest.

Thus, when an opportunity like My Millionaire Mentor comes to us, it is absolutely alluring. But the thing is, the internet is full of many financial scams which claim to transform your lives, but end up taking money from you. All of us have been disappointed many times through various such programs that claim to make us millionaires but end up taking our own hard earned money.

So we need to be very careful before getting into any such program which offers easy money. My Millionaire Mentor states it very clearly that it is a scheme which has long term returns. On the plus side, that means that your grandchildren can enjoy the fruits of your labor. However, on the other hand, it means that it will take some time before you can earn some real money for yourself.

How Does My Millionaire Mentor Work?

It is clear from the promotional video on the website that the product is basically a free traffic source that you will get unlimited access to if you become a member of this program. The other benefits include special coaching by Ryan Matthews over the phone. He will personally mentor you on how to best use his product and maximize the profits for yourself. Once you become a member of what Matthews calls a secret millionaire club, you will have access to the various tips and tricks that will help you to make money. It is also mentioned in the video that the way in which you will make money is 100% legal, moral and ethical.

So once you have access to the free traffic source, you will get clients who will pay you $1000 to $5000 a day for sending them traffic over the internet. Internet traffic is basically all the clicks that lead people to different website. According to Ryan Matthews, he has access to clients who are ready to pay that much amount of money for access to your traffic. In effect, you will be an internet traffic broker who will work with millionaire Ryan Matthews to coordinate internet traffic and redirect it to your clients.

Basically, it is an opportunity where you will be doing affiliate marketing. Affiliate marketing is an actual money making source on the web where you get paid for traffic that you send to your client’s website. And if you have access to a good traffic source which you can turn on or off at will, it is possible that you will make a lot of money online.

There are six steps to making this work – but that is classified information which you will get access to once you become a part of this program.

How Can You Make the First $500 Through My Millionaire Mentor?

In the promotional video, Matthews promises you that once you become one of the private members of the My Millionaire Mentor program, you will earn $500 and much more in the first month. In fact, you can around $5000 a day, without even leaving the comfort of your home. And to top it all, you just need a computer with an internet connection to do this job.

In order to become a private member, the entry fee is $1000. But in effect, you pay only $49 because you are refunded $500 immediately. You get your money back immediately, and Ryan Matthews guarantees that you don’t have to spend a penny more than $49 to get into this program.

Matthews also tells that by becoming a private member, you will get to be a part of a highly regarded company that is going to be the next big billion dollar internet empire in times to come. Though it is a speculation, in the internet age, anything is possible.

The process which Ryan Matthews is going to teach you is actually a very simple process which many people have used on the internet in order to make money. It is called affiliate marketing. Affiliate marketing is basically a process through which you send traffic to the websites of your clients. And for each click that leads a person to your client’s website from your source, you get paid a certain amount as commission. And if you have access to a source from where you can send millions of clicks to your clients, you will seriously earn a lot of money online. So, technically, My Millionaire Mentor is a concept that could actually earn if you serious money if Ryan Matthews actually handed out a free traffic source to you.

Pros and Cons of My Millionaire Mentor

It is evident that this is a program which appears to have some sort of risk. But then, that is life. There are certain risks that one has to take, especially if you want to be a millionaire.

Technically, Ryan Matthews is asking for just $49 from you for getting access to a private group where you will be coached on the secrets of making money on the internet. This scheme does not have an MLM structure, and you need not sell anything. It is absolutely legal, and all you have to do is broker internet traffic.

Moreover, once you sign up, you get an immediate return of $500, which is a very good proposition. If you really get that money, it is a fantastic deal. Especially since you could go on to make more money in following months.

One of the cons of this entire program is that by watching the promotional video, you get to know very little about the process. There are many things which are not spelled out clearly, which makes it difficult to take the plunge and actually subscribe to the scheme and be a part of the millionaire mentor club.

However, the testimonials from the various people who have tried this out spells out that there are people out there who are making money from this program. And that is exactly what makes you want to go ahead and try it.

Another con of this program is that earning money through affiliate marketing can sometimes be a very slow process. But this is something that Matthews tells you in the promotional video itself. It is a long term investment plan whereby you will take some time to earn money.

But on the other hand, Ryan Matthews is also promising to let you on into a secret six-step process which will make the money making process much faster. So once become a part of the secret millionaire club and get to know the secret process which gives you access to more traffic, you might be able to make serious money online. And the success stories that are shared in the promotional video clearly say that people are making money quite fast. In fact, one woman said that she made more money through My Millionaire Mentor in two months than she had made in two years.

Now, that is something!

The biggest minus of this entire project is previous experience. Whenever we hear about something that promises to give us a lot of money without working hard, it raises our suspicions. Also, there are thousands of scams on the internet which make a fool of people who do not have sufficient knowledge about the topic and subscribe to various programs hoping to make money. In the end, they realize that all of it was a scam.

Conclusion

The good thing about My Millionaire Mentor is that you get to see people for whom this process has worked, and that tends to give you some courage to go ahead and take the plunge. What you need to do is hear Ryan Matthews for yourself. Go to his website and have a look at his promotional video. If you feel that what he is saying is worth giving a try, you can go ahead and become a private member of the millionaire club. It is a conscious decision that you need to take for yourself, now that you already know the pros and cons of the program.

If you think that this is yet another money-making scam on the internet, don’t sign up for it. However, if you think that this program really has the potential to completely turn your life around, go ahead and become one of the protégés of Ryan Matthews. After all, every one of us dreams of having a Lamborghini parked at our garage, and a wonderful, spacious home from where we can see the sunset with our loved ones. There are some dreams that can be fulfilled when you become a millionaire, and if you are a person who nurses such dreams, you might want to try out My Millionaire Mentor to see what’s in store for you.

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Source by David Morgan

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February 3, 2020