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Building assets is something every adult should be familiar with yet very few are. Understanding assets versus liabilities and how the  poor and middle class differ from the wealthy comes down to one simple aspect. The wealthy know building assets is essential to a long-term investment strategy and creating a path toward financial freedom.  But  let’s first look at how the different classes handle money.

How the Poor Handle Money

The first basic cash flow pattern is the poor cash flow pattern. Before most people even learn about money they want things, and so they learn first to work FOR money. As their income is earned it is just as quickly spent on their list of wanted items. This cash flow pattern has earned income flowing in and entirely back out to expenses. Oftentimes this type of person may even justify the purchase by responding about how they “got a great deal” or the item or service was “so cheap.”

If you follow  this type of earning and spending it does not matter if you have a sizable income, because money does not make you rich. Money is just a tool. It is how you are managing it (money) that determines whether you become rich. Even with a substantial income you can still have this pattern as long as your focus is only on earning more income and paying your expenses.

You might make $250,000 a year, and have enough income to cover all of your expenses, but if something were to impede or disrupt your regular income stream you would quickly realize that you are following this pattern like so many others but really only “ one step ahead of the bullet” as they say.

Middle Class Cash Flow Management

Most people end up when they try to better their positions in life. It is like the poor cash flow pattern, with just a couple differences.

Eventually, people in the poor cash flow pattern get tired of their routine and begin to gain better understanding and control over their expenses. They have spent lots of time working for money, but none to educate themselves financially.

As a result, most people in this situation believe, in order to improve their situations financially, they need to focus even harder on their earned income. (Like getting a raise.)  Enough focus in this area on working for more money may bear fruit  in the way of a raise or a promotion but as you will see, it is not a solid  long term plan.

Furthermore, if one is stuck in this type of cash flow management already-adding more income will not fix the real problem.

Most people still have not spent significant time to educate themselves financially, so they don’t know what to do with the increase in funds when it does come. They don’t have any ideas of their own about how to finance their own retirement, either. The extra money is usually used to buy a newer car, a bigger house, and anything left over is usually put into savings (at least in the beginning). Either way none of is really put into assets and the majority is still placed in liabilities.

Most people are full-time spenders and part-time earners, which means they only receive income when they are working, yet the interest they’ve accumulated, the loans on all their cars, houses, furniture et al, does not stop:  indeed it constantly increases.  Thus this is why it is very difficult for the middle class to truly get ahead.  Most work for earned income and pull from only this category while purchasing liabilities just as the poor do.

Now, a difference here is the middle class person knows enough that they should be investing their money so they often decide to purchase a  portfolio for their retirement, usually consisting of mutual funds.

“Who has 2 thumbs and outperformed S&P 500? This guy !”

These purchases make life more comfortable, and so feel like assets…but they create an expense every month for a very long period of time. The misunderstanding is worsened by bankers who ask you to list your cars and home as assets against loans. By definition, these purchases are liabilities. So you’ve been told even by the bank that’s what is truly a liability is in fact an asset. It’s no wonder if you’re confused.

Thus the middle class work for money and, because they don’t know what else to do, they flow their cash into long-term liabilities that really improve their short term situations. The debt  created from these spending habits often become the very reason they cannot escape the slavery of working for money.

The middle class cash flow pattern has earned income flowing in, than back out to liabilities (which they think are assets). Left over income is used to fund a portfolio for retirement. We saw earlier how well the portfolio road often goes as well.

Building Assets :

Cash Flow Pattern Of the Wealthy

Wealthy individuals first of all understand the importance of financial education; they build assets and manage systems that produce their income for them.  All of these systems are assets. Expenses and liabilities are controlled, and excess cash is then  used for building additional assets.

The smaller systems figured out and used in the beginning are improved upon and used to finance the next, bigger deals. In this way people with a wealthy pattern have money work for them and aggressively increase their wealth.

This is the reason understanding these patterns is so important. They demonstrate how you can become financially independent working at a seven dollar an hour job. Your biggest obstacle in the beginning is controlling your expenses and changing your pattern. The first step to controlling your expenses is to work out AND follow a personal expense budget. Why? Because before you can think about building assets or businesses you first need to learn self-control over your money. And to do that we need to measure it accurately.

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The above is an excerpt from my new book ” How To Get A Raise This Week-With Or Without Your Boss’ Permission”- you can find it on Amazon or  simply by going here.

What’s the best way to build assets with little or no start-up money ? Follow the link to find out what is making more millionaires than both the sports and entertainment industries combined or check out our personal training site for building assets from home .

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Network marketing recruiting can appear to be so difficult can’t it ? Like there is some great wizardry behind it no one has told you about ;

Network marketing recruiting : Staff not included

but when you break it down it becomes rather simple once you have  a system that  is repeatable and practical.   Then your network marketing recruiting efforts can become easy indeed. How easy ? Enrolling 2 or 3 people a day easy- that's what I was able to do once I learned this formula and began practicing it. Of course that isn't the only I did to increase the effectiveness of my network marketing recruiting efforts. Follow the link if you can't wait to find out .

Network Marketing Recruiting - The 6 Steps To Success

Thus , the very first thing we need to break it down into steps.

1. Greet

2. Invite

3. Qualify

4. Present

5. Handle Objections

6. Follow-Up

Greet –MLM prospecting doesn’t have to be difficult after all, you just have to follow a system to make it easy on yourself. Once you’ve established that system and know what to do it is easily repeatable – for you and your team . Knowing WHAT TO DO will give you confidence and make the process less scary. Start with greeting your prospect whether on phone or in person, and if possible take the time to find something in common with the person if possible ( especially if you do not know them that well ).

Qualify-This is perhaps the most important step and the one most people miss. Not handling this properly can and probably WILL lead to the rejection so many are afraid of in this industry. Here’s how you can avoid that.

Ask questions ! First find out what they want ! Network marketing is all about helping other people -whether it be through some product or service a person can’t get anywhere else –or empowering them and teaching them how to create their own business part-time.

So you need to find out …

1)      if they are interested in a side project? In adding some extra income ? In other words, do they have all the time and money they want and feel fulfilled with what they’re currently doing?  Almost everyone is going to say no to one of those three things. If they say they have all those things they’re probably lying and you may want to move on.

See what we just did there ? You’re creating the avenue for you to decide whether this person is someone you want to take the time to work with and help, not the other way around.

2)      … If  they said no to any of the above-what is their plan to change that ? ( Usually they don’t have one and a that’s where you will step in. )

3)      …what is their reason for doing so? Not just “to make more money “ but the root cause…pay off debt, job loss, get theirs spouse out of work – what is it ? Remember this and come back to it later.

Invite- Once we’ve established the persons need we can then –and only then –move on to inviting them to something or taking them to the next step; whether it’s a presentation, an audio, link online , or home meeting-this is where you invite them by simply asking another question such as “ If I could show you something that makes sense, would you be interested ?” At this point you’ve already found out that this person needs something and if they’re still talking to you about it then they’re going to be interested. However they might have questions so here’s what to do next…

Present- If they ask you something like “Well what is it ?”, do NOT try to explain your business to them in a few sentences it will not work. Instead say something like “I’m sure you’ve got questions but I really want you to see this for what it is and there’s no way I could do it justice in the time we have now. So check this _________ out , and I’ll call you at ______ time to see if you saw what I saw.” That’s it. But you Must Establish a time you’ll call back or you’ve simply wasted your efforts. If you do not put immediacy on this they will not either.

Handle Objections-This is another vital aspect people often skip over in their eagerness to get more people into their business; but remember that someone that feels pushed into your biz or doesn’t have all their questions answered first is likely not going to stay very long so did you really gain anything in the end? Instead determine the main objections you encounter and then address them with the prospect . You want all their questions answered so they come in both prepared and excited. Not sure about objections ? you can find out how to answer more here on this article on MLM objections.

Follow-Up-  Finally . You’ve made it to this point so what should you do next ? After they've been through your presentation and you've successfully handled any objections the next step is in the network marketing recruiting process is getting the person started, then continuing to follow-up and make sure they are happy with the service provided. If they've decided to pursue the business side of your endeavor as well then you certainly need to be diligent about getting them off on the right foot, establishing a marketing plan, etc. This section could be a whole article alone so I'll leave it there and suggest that if you don't know the following it just might save you years of struggle in this industry...

Network Marketing Recruiting : Mastering This 1 Thing

Could Be The Difference...

What if you could learn how to promote your business in a way to get others to initiate the relationship… and contact you to learn more?

How about learn how to use automated MLM recruiting systems to generate leads on demand and get paid even if most of these prospects do not ever join your team ? Would you be interested ? If you're anything like I was , right now you're thinking

" Of course  I would but does that really happen !?" It does. I didn't think I could learn this either but I did ( and I was so bad with a computer I had to get my wife to help me get into Facebook)- and it changed my business FOREVER.

Network Marketing Recruiting Secrets: Get Paid Even When People Do Not Join Your Team

Learning the art and science of marketing and promotion (instead of old-school cold calling and prospecting) is where you will find all the best-kept network marketing recruiting secrets. So do yourself a huge favor and learn more now.

Because it’s time. You deserve it.

To your success,

Ryan Shaffer

PS – Who else want to discover how to we rake in  1000's of leads a month , affiliate commissions and get paid even when we sleep? Heavy Hitter Network Marketing Recruiting Tips

How To Advertise On Facebook To Get Results

Learning how to advertise on Facebook is becoming an ever- increasing method for people to make money and grow their business by accessing the hordes of people on the social networking giant.  It is no secret that Facebook dominates the social media landscape, so it only makes sense that anyone building their business online use the tools available to them.  Yes, you can learn to how to advertise on Facebook  ( or at least market) with some free methods but let’s be honest; learning this and implementing those techniques is going to involve a lot of effort you may not have.  So this piece will instead be about how to advertise on Facebook using their  PPC (pay-per –click) service. Then at the end I’m even going to show you about someone who went from 0 to 6- Figures on Facebook – in 6 months , and get you instant access  to her free webinar on exactly how to do that yourself.

Now she uses cash for Kleenex.

Advertise On Facebook: First Things First- Set a Budget

I can already here you now… “ I hate setting budgets !” or “ What is this going to cost me to advertise on Facebook?”  Because you’re a business person ( or you wouldn’t be reading this) you already know that advertising on Facebook is going to cost something.  The good thing for you is it’s much less than say Google and can be far more effective. You also know that to grow any business you have to invest in it and this can be a great a time – effective means once you know what you’re doing.

Basically this service allows you to place ads targeted to certain demographics and you pay for the number of clicks or times people actually look at what you have to offer. Thus, pay-per-click.

You can also pay per thousand views.  The pay per views options incurs a cost regardless of whether any clicks are received on the ad, so many people prefer the PPC because it means an action was taken.

So decide what your budget will be first.  Something that is especially helpful when you are just starting to advertise on Facebook is that they  allow you to set your own daily spending limits on your campaigns so you never overspend.

3 Steps For An Powerhouse Campaign To Advertise on Facebook

1. Targeting: Who do you want to reach ?

Highly targeted ads are a much smarter way to go than trying to reach the masses with a single advertisement.   Ideally, you will want to target those that have interests related to your topic.   Don’t limit yourself to company names, but also think about prominent people, industry leaders and practical concepts. What problems can you solve ?

You can even select  demographic and geographic sectors and break your ads down between age and gender as well.  Keep in mind that targeting  areas  such as the U.S. and Canada will increase the cost of your ads,  however remember that if this is where the people you are trying to reach lie, it is likely worth the price .  You  can even break down your ads into time of day: so for this area it is wise to think about when most people would be on Facebook AND have the time to respond to something else.

2.Where do you want them to go ?

Next- where will you be sending prospects to after they click on your ad ?There are two basic destinations that are commonly used:  External pages and Facebook Fan Pages.   I have known marketers who have used both landing pages effectively; however, my preference is towards the Fan Page.   In my experience remaining in the working environment of the social network allows for lower per click costs and more importantly an increased “sticky” factor with greater exposure for the marketer.  To do this you will want to put some thought into the Facebook Fan Page they arrive at- it could be the difference between gaining a sale and losing one .    An added benefit to the  Fan Page  is that  it encourages the viewer to become a fan, which then means exposure to their network of friends as well.

3.What do you want them to see ?

The next point of consideration for your advertisement is the ad itself.   You want something that is creative  and will grab someone’s  attention. Try to think about –again, what problems you can  solve for someone or what you can offer them .  To get your ads approved, it is important that your headline and ad copy reflect are in the same vein as   the landing page; otherwise you will lose the trust of your viewer-and if they don’t trust you chances are they will not do business with you.  If you are going to advertise on Facebook, remember people do business or buy from those they know, like and trust so you want to build this kind of reputation in order to help your business in the long run .

How To Advertise On Facebook: The 3 Biggest Problems

• Getting ads approved
• Getting super-cheap clicks ( as in less the  $.05 )
• Create loyal fans who keep coming back …

Of course I am going to show you how to solve them !

So if  you want to know more about  How To Advertise on Facebook and make massive profits including solving the 3 above problems you need to check out Social Media Mastery- how anyone can build a 6 figure salary using Facebook- in 6 months or less- it’s Facebook advertising broken down to a science and something no one serious about working online is going to miss.

How To Advertise On Facebook: A Money-Making Blueprint

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