April 30, 2012, 12:00 pm

Are You Ready To Get The Ball Rolling? I Have Something Special For You!

by: The Financial Blogger    Category: Alternative Income,Business



Today I’m going to talk about someone who saw one of those windows of opportunity and seized a while ago. I’ve recently talked about how you should get the ball rolling in order to be successful.  Well if you are up for something that will start your journey toward a better future, I have something special for you today!


I’ll be talking about my friend; Adam Baker from Man Vs Debt. This guy used to be a regular dude making a regular income with a regular job. He changed his whole life upside-down and he is now an entrepreneur.


Over the past 2 years, we did business together and this business turned out to be the start of a great friendship. Adam is one of the very few people who actually use a web platform to make the world a better place. The guy spent an entire year (and literally an entire average income) in building You Vs Debt, a course to show you how to manage your debts and live a better life. In the first launch in 2011, his participants paid off more than 300K in debts! Speaking of making the world a better place, huh? But you know that I’m not too good at paying down my debts so I won’t be talking debt management today J.


He Recently Contacted me To Offer me Something Special


Something “special”… really? No crap? If this email was sent by anyone else I would have just deleted. But because Baker doesn’t waste his time, he surely doesn’t want to waste mine! So here he is, back with another 72 hours only offer. I’ve ran 2 of the previous offer on TFB and I only got “thank you” emails from my readers who purchased it!


But this time, he’s not only offering a great package… he is also offering Chris Guillebeau new book: the $100 Startup. But you won’t get an online copy, you’ll get the real hard cover book with free shipping on top of everything else!


If you don’t know Chris Guillebeau’s work, I suggest you go check out his blog or check out previous mention on this blog (Epicness of the week and Where are You Really?). I’ve personally read his book, The Art of Non-Conformity and I REALLY LOVED IT! So if you were interested in getting his new book, this offer is for you!


Here’s a quick excerpt from the book:


This book is different, and it has two key themes: freedom and value. Freedom is what we’re all looking for, and value is the way to achieve it.”


I don’t know about you but that speaks to me!

Chris Guillebeau $100 Startup


In case you’ve forgot about Only 72 hours, here’s how it works:

  • $1,000 in best courses, ebooks, and digital downloads (real value – not inflated, details below).
  • Price cut by 90%!
  • Free shipped hard cover of $100 Startup by Chris Guillebeau

  • We only do this for a SUPER short-term period (72 hours).


Guess how much it’ll cost?

Yep, exactly $100.

That’s over $1,000 in real value (we make sure all courses REALLY sell at the price point listed, before we allow them in) for only $100 for 3 days starting… NOW!


Chris Guillebeau $100 Startup


You Want More Than Chris’ Book for Your Bucks? Here’s What You Get!


Before you get the full list, I’d like to highlight a few people in there.


Corbett Barr: I’ve had the opportunity to talk with him in regards to the launch of my next eBook and I can tell you that he truly provided me awesome tips that I never thought of before. I’ll share this knowledge with you in a few months when I have results from my eBook.


Ashley Ambirge: Hum… if you don’t know The Middle Finger Project, You gotta click on it now… If you can pass the fact that she is using the *F word, she is definitely going to the point and talking about real stuff. I use most of her trick to run my business as I like gutsy advices. Checkout this video:


Jonathan Mead: I like this guy a lot because he is talking about how to make money off your passion. Yeah… I know… sounds pretty BS stuff as several people do the same thing. So why don’t you download a few free eBook he has written and see yourself he is the real thing or just another BSer (click here to checkout is site and download his freebies).


All right, enough of my favorite crew, here’s the whole package you get for only $100:


Topics covered in this sale


Better Blogging ($177 in value) 

  • Corbett Barr – Creating, Marketing, and Designing A Blog That Matters ($40)
  • Susannah Conway – Blogging From The Heart (eBook version) ($137)



Passion-based Business ($137)

  • Jonathan Mead — Identifying Your Passion Module + Workbook ($97)
  • Scott Dinsmore — Live Off Your Passion (lite) ($47)



Freelancing ($111)

  • Ashley Ambirge — You Don’t Need A Job, You Need Guts ($40)
  • Men With Pens — Freelancer Package: Unbelievable Characters, Guest Posting Guide, Beyond Brick & Mortar eBooks ($70)



Confidence & Courage ($129)

  • Johnny B. Truant — Tao of Awesome ($79)
  • Marianne Elliot — 30 Days of Courage (w/ Yoga Module) ($50)



Selling & Advertsing ($144)

  • Pam Slim — Ethical Selling That Works ($97)
  • David Risley — Double Your Ad Income ($47)



Technology & Systems ($171)

  • Joshua Kaufman — The Personal MBA Guide to Small Business Infrastructure ($49)
  • Free The Apps — How to Make iPhone Apps ($97)
  • Brett Kelly — Evernote Essentials ($25)



Artists & Writes ($130)

  • Alyson Stanfield — Turning Your Hobby into a Career (download & audio program) ($51)
  • Chris Guillebeau — Unconventional Guide to Publishing ($79)



And don’t forget – Chris Guillebeau’s brand-new book, “The $100 Startup,” shipping anywhere for free. 🙂


 Chris Guillebeau $100 Startup

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April 27, 2012, 6:00 am

Epicness of the Week

by: MD    Category: Financial Rambling

The most epic piece of this week was:

Thank You ADVERSITY For Giving Me The Motivation To Work Harder @ Yakezie.

I firmly believe that adversity equals opportunity. What you do when faced with adversity speaks volumes about you. Will you run away? Will you stare adversity in the face? I don’t hope for adversity, but I’ve learned to embrace it over the years.

What’s the best part of this piece?

“Thanks again Google, and for that matter, thank you adversity for giving me the motivation to carry on and think of new ideas!”

As always, don’t hesitate to submit your post to be featured on here.

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April 26, 2012, 6:00 am

How to Actually Work From Home

by: MD    Category: Alternative Income

How can you actually work from home?

No don’t run away just yet. This isn’t another piece on how to make money online or how to work from home. This piece is all about actually working from home. This article is for those of you that are already making money online and just want to improve the process.

I always thought that working from home was the coolest thing in the world. Now that I’ve increased my online income through freelancing and running my own blog, I find myself “working from home” most of the time. It’s still pretty cool, but it can get pretty interesting at times. It’s really easy to get lost and create the worst schedule in the world if you don’t know what you’re getting yourself into.

What are some practical tips to help you actually work from home based on my experiences?

Leave home if you have to.

The first tip might seem a bit counter-productive, but it’s actually the most helpful. If you’re not productive at home then don’t work from home. Get out of the house and go somewhere else. Go to the coffee shop, library, park, or any other random spot. Find a place that you feel comfortable and can focus. Once you find that spot you’ll want to go there all of the time.

Set boundaries.

What time will you work? Where will you work? Will you respond to emails during dinner? Will you bring your laptop over to your buddies place?

Where am I going with these questions? You need to set boundaries early on. If you create any boundaries, then your work can take over your whole life. Trust me, I’ve had many friends and girlfriends get mad at me because I didn’t set limits and would work when I shouldn’t. Once you set boundaries you’ll seen your quality of work improve because you won’t be cooking pasta while finishing blog posts.

Work with your body.

You need to work with your body when it comes to energy and time management. Maybe the reason that you hated a 9-5 gig is because your body just doesn’t function well during the day. Speaking from experience, I get my best work done in the middle of the night. I don’t lie to myself. I base my life around my energy and my focus.

If you want to work from home you have to work with your body. It’s going to take a few weeks for you to figure out how to work with your body. This also entails determining the following about your body:

  • When you’re the most focused.
  • What food fuels you the best.
  • The best time to train.
  • When you’re the most creative.

When you work with your body, you’ll be able to get the best results.

Wing it only when you have to.

When you first get started with working from home, you’re going to follow the typical pattern. You start off by thinking that you have all of the time in the world. You realize that you forgot to do the laundry. You then hit the gym. Then you meet a buddy for lunch. Then you stop by at the mall. Then you suddenly realize that it’s night time and you haven’t done anything. Just like in college, your deadline is approaching. You stay up all night. You get to bed at five in the morning. You wake up after noon. This pattern continues. You got your work done, but you had to wing it.

While I don’t advise winging it, the reality is that it’s going to happen once in a while. All I’m saying is that you try to limit this problem unless you absolutely have to. The worst habit that you can create through working at home is attempting to wing it every single day.

That’s how you can actually be productive from home. I hope that this article helps you work better from home. This is based on my own experiences and nothing else.

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April 25, 2012, 5:00 am

How To Get The Ball Rolling

by: The Financial Blogger    Category: Business,Career



Have you ever had the feeling that some people keep getting windows of opportunities and they seize them one after the other?


Have you ever had the feeling that the very same people keep increasing their net worth at a supercharged pace while you are struggling to gain 5% over the year?


Finally, have you ever had the feeling that good things happen to those people all the time?


You are not wrong. Those people exist. But they are like you and I. There is only one thing different about them. They get the ball rollin’!


Getting Which Ball Rolling Where? (Mike, What Are You Talking About????)


You probably know what I’m talking about but I just want to make sure. At my day job, I meet several people like this everyday. They all have one thing in common: they never stop. They run 10 projects at the same time and always have something in mind for future projects. They have a vision of where they want to be in 1, 5, 10 years from now. They don’t have a complete plan written but they have several ideas to reach for.


They obviously didn’t start all their projects the month before. They have been planting seeds for a very long time and keep planting more while harvesting from their first projects. This is what I call “getting the ball rolling”. It is developing projects, relationships and establishing plans to create wealth on a daily basis. Most people are satisfied with their 9 to 5 job and wait 30 years to pay off their mortgage and hope that they won’t run into any bad luck during that period so they can retire peacefully. These people don’t get the ball rolling. They don’t try to create wealth, they just try to avoid bad luck and pray that this shaky hope will weather the storm.


How You Can Get The Ball Rollin’


They are tons of ways to get the ball rollin’:


You can save money to buy land or a rental property.


You can develop relationships with important people in order to get a promotion or build a business partnership.


You can invest time and money into a sideline to create additional revenue.


You can go back to school part time to learn more and expand your network (read my MBA experience).


You can try different partnerships (it can be very small though) in different fields to gain experience.


Or you can do all the above at the same time. The key point is to start doing this right away. Get many balls rolling in many directions. Honestly, several projects will fade away naturally and won’t be profitable. However, the experience you gain while doing them is priceless. Before I started my online company which is a true side income success, I had 3 others company projects that faded away and didn’t create much wealth. The first one was a distribution service which had helped me paying for my tuitions fees. The second was a computer building/repairing service during College which ended 18 months after we started. The third one was me going online by myself with celebrity sites…ish… do I have to tell you how did it went? Very bad!


How I Get The Ball Rolling


Fortunately, amongst the several projects that I started, I’ve been able to see some success. At the age of 22, I bought land and made 4K of profit within a year. At the same time, I was trading on the stock market (with funding from my line of credit). Those 2 investments lead to my 25% cash down payment to buy my first house. I was saving aggressively ($1000/month) for 3 years before starting my family on the right foot. Today, I have almost 100K in equity on my house.


In my 20’s, I earned my CFP title along with an MBA. My performance and diplomas lead me to a great career in the financial industry where I’m now in wealth management at the age of 30. I now have a great network and a solid knowledge base to pursue  my domain. My future income forecast is quite interesting in this field at the moment and I don’t have to work 60 hours a week to be successful.


A few years ago, I started an online business which provides me with a “plan B” if I ever lose my job. At the moment, we are reinvesting most of our profits to make the company grow faster and increase our revenues. The fact that we don’t need the income from the company makes our investment decision a lot easier. We have a long term vision. This sideline is still growing and I’m expecting to reap some great benefits in 5 years or so.


And you know what? I’m still looking for more! While I have my house setup, career on a great path and a side income growing, I’m starting to think about a new project. Why? Because the more balls you roll, the dough you get!


Potential Projects


At our current pace, we should be able to pay off our business loans with the next 2 years. I expect that we will keep a certain level of liquidity and would like to buy real estate. Why would I buy a rental property instead of buying more blogs? We will continue to buy blogs, but we would like our company to be even more diversified. The real estate market should eventually drop upon a rise in the interest rates. I’ll be sure to be around to buy something at that time!


Another of my projects would be to buy land in my area. I really enjoy where I live and think that another piece of land could increase my net worth over time. The worst case scenario would be that I sell my current house to build a new one on that land in several years. The best case would be that I sell the land for an important profit. Since the economy is growing in my area, I’m pretty confident there will be a great demand over time.


I hope to find even more projects but I need to stabilize my finances first. This year will be concentrated on dropping my debt level and getting rid of a lot of consumer debt. Then, I’ll aim for more. I think it is crucial to continuously seek out more projects in order to get some winners out of them and let time play in your favor. I told you yesterday that your most important window of opportunity is between 25 and 35… I don’t have much time to lose! Only 5 years to go!


Readers, do you get the ball rolling? Do you have any side projects? Have you experienced any success yet? Any failures?

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April 24, 2012, 4:44 am

Your Window of Opportunity

by: The Financial Blogger    Category: Business,Career


« Look, if you had one shot, or one opportunity, to seize everything you ever wanted in one moment, would you capture it or just let it slip away?”

 window of opportunity

In business, in life, in everything; there are moments where a window of opportunity opens. These “windows” don’t come with specific timing nor do they happen a specific number of times. Some people will claim they always happen at a bad time while others seem to have 10 windows open per week for them. Call it luck or coincidence, I call it hard work and having a vision.


What is a Window of Opportunity?


In my own terms, a window of opportunity is a moment when you have a chance of improving your life (at different levels) happens. It could be a position opening at work, a business deal or simply the most awesome woman on Earth calling you for a date (and eventually becomes your wife). These moments usually pass very fast and if you are waiting on the sidelines thinking about what you should do, chances are that you will let it slip away. Most people don’t even realize they are letting these windows close in front of them. They call themselves unlucky or too poor to benefit from these opportunities .


On the other hand, a window of opportunity is not obvious. It’s not an easy choice to make… unless you realize it’s one of these windows! There is always a  risk, a part that will make you doubt. And, most importantly, seizing the opportunity doesn’t only mean saying “okay, I’ll do it”. It means that you will actually jump with both feet into the maelstrom of life and be ready to work like you never have. A window of opportunity is like a wild mustang; it’s an awesome beast, one of the most beautiful species on Earth, but you have to work hard to tame it and connect with it.


Let me Share with You a Few of my Windows


I’m not going to get sentimental here, so I’ll skip my love story (a guy has the right to keep a few things personal, huh?). One of my first windows opened when I had the opportunity to study offshore for a session. At that time, I barely knew the guy I was going to travel with. I had met him for a few months earlier as a school buddy, that’s all. Nonetheless, we decided to go with our backpacks for 40 days. We travelled across 7 countries without an itinerary and without knowing the local languages (going from German to Italian to Spanish). It was quite “risky” as we were young and didn’t know what we were doing. We even came very close to being attacked by 5 guys on a small street in Amsterdam at 2am. But this was the most amazing travel experience I ever lived in my life. Most people have found excuses not to go (it’s too expensive, I don’t need this, I want to keep my weekend jobs, I have a girlfriend, etc.). I could have had all these excuses (believe me, leaving my girlfriend for 6 months and coming back after wasn’t that easy!), but I decided to seize the opportunity. I learned a lot about life and myself during this trip, I’ve had the opportunity to meet a lot of people and grow my adaptation skills. And most importantly, this is when the strongest friendship on Earth was born between myself and my friend, who’s my child’s Godfather and partner in my business.


The second window of opportunity I will talk about today was regarding my online business. Back in 2006, I really wanted to partner up with my friend and start something online. He had the experience and was already making money with his websites. I thought it was a huge opportunity with me to start my own business. My friend didn’t want to join his sites to our project at first since he wanted to see if I was ready to work hard. Many people asked him to partner up (obviously, when you are successful, people want to work with you ;-)). So he decided to start a few sites with me to see how it goes. During 18 months, I worked very hard in order to learn the web and understand how it works. We weren’t making much money for the first 12 months but started to see it grow after that period. 18 months later, I decided to use my savings and buy half of my friend’s original sites so we could combine everything together and create a company.  A year after that, I decided to remortgage my house to make a 5 digit purchase. It was a great blog with great traffic and great income. The decision was tough because I was taking all the financial risk on my shoulders at that time since my friend wasn’t in a position to help very much. However, I was convinced that this would lead to a real company. Most people could have found excuses not to do the deal (we are not sharing the risk equally, I don’t want to remortgage my house, 5 digits is too much for a blog, I can’t right now as I’m building my family, etc.). Well, I decided to take the risk and go ahead with the purchase. 3 years later, we are building a huge sideline that works on auto pilot. I can easily stop working on the company completely and would still be able to rack up some profit! But I enjoy writing too much, so I don’t want to quit yet ;-).


When is the Best Window of Opportunity?


A wise man told me not so long ago that the foundation of one’s personal finance is played between the age of 25 and 35. This is when you have the most energy and most likely don’t have too much debt. You technically don’t have kids yet or in the process of having them. In both cases, your kids are too young to understand that you are making money sacrifices for a better future. This is when it’s the time to build your empire.


I think that one will have tons of windows opening during his entire life. But he will be more likely to seize them within this period. After that, excuses come in faster than opportunities. You are tired, you have a family, you are tied financially, etc. But between 25 and 35, the world is in front of you. I still have 5 years in front of me to seize all my windows. I’ve made some previous choices that make excuses too accessible right now (especially my mortgage and family) but I won’t let these windows close! Starting in 2012, I’m paying down my debts and focusing on increasing my net worth. I want to build something extraordinary and have 5 years to do it. Now is the time.


Readers, what are your windows of opportunities? Are you seizing them or finding excuses? (yeah I know, it’s shocking, but the same rule apply to anyone: either you seize it or let it slip away!)


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