How Vulnerable is Your Retirement Nestegg? What is your Plan “B”?

Where did the American Dream go? How can one feel so secure one moment and so vulnerable the next? The empty nest syndrome has hit Retirees big time. Looking after their families and helping them get on the right path, supplying financial and emotional support for their educations, many older folks are now in need of help themselves. Many are having to go back to work after retirement. One couple was interviewed on a news program and the husband is working at MacDonald's to try to keep things together after losing hundreds of thousands of dollars when his 401K bottomed out. My heart ached for him and his wife because their situation had become so dire.

Fortunately there is a solution to this escalating problem. Thousands upon thousands of people have decided not to rely on their pensions or a minimal paying JOB to carry them through their golden years. Their nest eggs have vanished but not their determination. Many retirees are developing the Entrepreneurial spirit and have decided to set up businesses working from home. They have the grit and hard work ethics to turn a home based business into a huge success. Mom and Pop are learning online marketing skills and computer programming to help them. Many like myself are designing and setting up websites to introduce their businesses to a huge offline and online market. Really when you think of it, this is one of the best things that could happen in a person's golden years, here are some reasons why:

1. You are constantly using your brain. When we retire that is the time we need to exercise our brain like any other muscle in our bodies, helping us to stay mentally alert and warding off diseases like dementia and alzheimer's disease. Starting up your own business is a good way to keep your mind keen and alert.

2. Many people when they retire decide it is time to 'retire from life'. Their best friend becomes the T.V. set and they allow the boob tube to become their means of communicating with the outside world. A big mistake! We need to interrelate with human beings one on one. Having a home based business is one of the best ways of keeping the lines of communication open. My husband and I are constantly meeting new people, making new friends, growing our business and replenishing our nest egg. You can too.

3. When we retire our dream is to travel and see the world. My husband and I have done more traveling since retirement than at any other time in our lives. What has made this possible is the opportunities to travel to different places where conferences are being held. At these conferences we are constantly being trained to further develop new skills and ideas to grow our businesses better and stronger. We have met new people and have had a lot of fun going to new places. We traveled to the Grand Canyon, visited Vegas, California, Texas, Michigan, etc. We are planning a trip to Ireland in the late fall. All of this paid for through our home based business and it is a complete tax write off. WOW! A dream that really has come true in our retirement.

4. Want a tax shelter? Start a home based business in Network Marketing and you have so many expenses you can write off to offset your income. It is truly the best way to take yourself through your retirement years and give you back some of your hard earned money.

5. All of this sounds really exciting you may say, but I could never do it. Yes you can. We did! It was a learning curve but one that is truly rewarding and with so much available on the internet it is very easy to plug into training systems that teach you step by step how to succeed in building a home based business. Put your Plan “B’ into action, you will be glad you did.

I am known on the Internet as "Java" Joan. Recently I embarked on a mission to share the failures and successes of my journey in the Network Marketing Industry. It has been a long, hard struggle and I want to help others to minimize their failures and maximize their successes much faster than it took me to achieve my goals. Personal development is the key to success and it begins with educating yourself to become the best at what you do.

http://www.joansincomeforlife.com http://www.javajoan.net

A Healtier Way To Start Your Morning

From the Canadian Business Journal
Author: By Jennifer Sorlie

It is instant, which initially made me doubt its validity
as a good coffee. That’s because any real coffee drinker
knows instant is inferior, and should only be consumed in
the most urgent of circumstances.

The date was April 14, 2010—just over four
months since Richmond, B.C.-based Organo Gold
Coffee officially launched the product. It’s rare to
get samples with a story assignment but, as I was
about to realize, I wasn’t dealing with a normal
company profile. I came into work at 7:30am and
headed into the kitchen as per my regular morning
coffee routine. Except this morning, instead
of filling my mug with a percolated French roast, I
added a package of Organo Gold Black Coffee to
a cup of boiling water.
The day before, I had already interviewed
Shane Morand, co-founder and global master distributor
of Organo Gold, so I had an idea how this
experience would go. Morand told me it would
look and taste exactly like gourmet coffee, “if it
didn’t, how would it sell?” he asked rhetorically.
Still, I was sceptical; after all, other instant coffee
brands sell in grocery stores all the time.
As the granules dissolved into the water, I
smelled a familiar scent. Coffee! I felt more awake
already. But I still had to taste it. To my surprise, it
was fine; actually it was good. Morand was right.
“Good for you, Jennifer,” says the reader. “You
enjoyed a cup of coffee.” You’re right, reader, I
did. But I also enjoyed that this particular cup
of coffee didn’t dehydrate my body and it didn’t
give me any heart palpitations. As I said, this isn’t
regular coffee.




The difference:


That fact that you can’t taste the ganoderma
is a good thing. If you could taste it, I suspect
the product would go right to health stores and
people would drink like they drink wheatgrass
juice. I’m getting ahead of myself, because in all
likelihood, only a handful of you know what I’m
talking about—I didn’t know what it was until a
few weeks ago.
Morand explains it like this: “Ganoderma is
the highest-ranked herb in the entire Chinese
pharmacopeia; it is known as the miraculous
king of herbs.” This mushroom—‘Lingzhi’ or ‘Reishi,’
in Cantonese—has been used in traditional
Chinese medicine for more than 4,000 years.
The scientific name, ‘ganoderma,’ is derived from
the Ancient Greek, meaning ‘bright, shiny skin.’
Ganoderma is known to regulate the immune
system and is used to treat ailments ranging
from stress-related conditions to fatigue and
sleep disorders. “Our coffees, teas, hot chocolates,
lattes and mochas are delivery mechanisms
for 100-per-cent-certified organic ganoderma,”
Morand maintains, “so people can enjoy
all of those benefits.” Sounds great, right? Yes and no.
“The challenge in North America is that not even one
person in 10,000 has heard of ganoderma,” says
Morand. “Here we are with the closest thing to
MAy 2010 • The Canadian Business Journal 7
nutritional perfection found in nature, and few
know what it is. We are working on spreading the
message through word of mouth.”

A wide-open market:
The great news is Organo Gold is in the right
business. Morand estimates that between Canada
and the United States alone, more than a
half-billion cups of coffee are consumed daily.
“We’re all drinking coffee. The question is
whether it is making us feel good or not. North
Americans don’t talk a lot about the negative
impacts of coffee, but we know it reduces the
body’s pH balance, affects the nervous system,
dehydrates us and, over time, ages us faster. It’s
not that we’re against caffeine altogether, but
we are positive about the effects of ganoderma.
We’re entering a wide-open market, but we’re offering
something healthier,” he says.
Wide open indeed. Even though Organo Gold
is a Canadian company, it is growing internationally.
“We’re marketing in Canada, the U.S., Jamaica,
Peru, Bahamas, Germany, Netherlands,
Austria, and the Philippines; and we’re just getting
started,” Morand boasts. “People all over the
world drink coffee so it’s the perfect commodity.”
Although the product was officially launched
in January 2010, the company started operating
in June 2008. “It took us a year and a half to determine branding,
build a compensation plan, move the product, build warehouses,
perfect our shipping and test the product,” explains Morand.
“But we officially lifted the gates this year. Since
then, sales have exploded. We knew we had a
great product and a great management team,
but we’re still blown away by the response and
the speed at which we’re expanding. We’re emptying
warehouses everywhere, so we’re definitely
ahead of target.”
Organo Gold is certainly off to a great start
and I can see why: it tastes good and it’s good
for you. Since I first tried the coffee (about two
weeks ago), I have enjoyed it at least a half-dozen
more times. To get more, i would have to contact
a local representative, as the product is sold
via direct sales (think Avon model). If this product
line tweaks your interest, make sure to check out
want to hurry though. From what I understand,
it’s flying off the shelves. CB


http://www.organojavajoan.com

Are You Planning for Retirement-- How?

The dream of most people facing retirement is to live their lives the same as they did before retirement, giving up nothing, but relying on their nest egg and pensions to kick in to allow them to enjoy retirement to the full. This dream is quickly being shattered for many because of the downturn of the economy. Let's just hit on a few of the problems facing retired people.

1. Pension Cutbacks. Some people who have worked for years are finding upon retirement that pensions are being cut and in some cases completely eliminated. People who have relied on pensions to compensate for the loss of income from their jobs and also have invested their money in plans such as 401 k’s to cushion their retirement, are now facing a cruel reality.
People are out of pocket huge amounts of money due to ponzie schemes and other setbacks due to the soft economy.

2. Too Much Debt. Borrowing money is the number one killer of retirements plans. Many people go into debt to buy a home or large ticket items such as college or university tuitions. Also debt is often used as a crutch for enjoying a lifestyle that is in reality not affordable for the average person. Living beyond one’s means has been the norm for many people and they have been caught up in paying these debts off over a long period of time, increasing their debt load by thousands of dollars because of interest charges.

3. Champagne Taste on Beer Income. Living beyond one’s means is a quick way to eat up your savings and cut into your retirement income. You do not have to give up everything you enjoy, but it is a time to tighten your belt and use common sense when planning out your budget. You should make an attempt to scale back on entertainment expenses. Boredom can quickly set in after retirement and it is easy to fall into the trap of spending time and money to compensate for not being busy working at your job anymore. Have you ever noticed that restaurants are still full of people eating out? Just check when you go into a restaurant at how many retired people are occupying a table. Many retired people no longer cook for themselves and spend hundreds of dollars a month eating out, thus increasing their expenses and eventually the debt load starts to rise and their budget suffers. Perhaps a plan "B" would eliminate a lot of boredom and money woes.

4. Prioritize Your Time and Money. Every parent wants their child to have a good start in life. Unfortunately many parents make the mistake of cushioning their children from reality and paying for their college or university costs, at great sacrifice to themselves. Time and again retired people exhaust their hard earned savings to make a more comfortable life for their children . We all want our children to be more successful than we are, but that doesn’t mean we need to sabotage our retirement plans to make this happen. The cold hard truth is that your child can borrow his way through post-secondary education, but you cannot borrow your way through retirement. Look after your retirement first, then save for your child’s tuition. You need to plan for tomorrow. No one else will do this for you. What is your Plan "B"?

What is your Plan “B”? If one finds himself boxed into a situation with no hope of recouping financial loses, what can be done? My husband and I were in that situation due to a loss of employment just 6 months after our marriage. Due to circumstances we were forced into early retirement. Our savings depleted fast and we knew we could not survive on our small pensions so we started looking for another income stream. We were introduced into Network Marketing and I must say it was daunting a first but 10 years later, we have built a strong business and have never looked back. It has been the best Plan "B" for us and I am confident you too can enjoy the benefits that working from home and owning your own business can bring. Oh and I forgot, being your own boss is heaven sent.

Networking for Success - How?

Increasing online visibility is the goal of every successful Online Marketer. Without visibility, you have no traffic and thus no business or sales. The good news is there are many options out there, but there is little time for most people to put in the necessary due diligence to become a overnight networking success. Where does an online entrepreneur turn first to get the visibility and traffic to promote his online venture?

The Internet is virtually being flooded with new gimmicks and tricks to get you sucked into their next best venture. Sad to say most of them are not viable solutions for helping you and are so complicated that it takes a rocket scientist to figure them out. In my business, I've discovered that there are a handful that are able to stand the test of time. Some have been around for as long as websites have been around, while others are newer kids on the block. Here are my 5 most effective strategies to massively boost visibility for your online business.


1. Press releases. Press releases are a well-known marketing strategy that have worked for years with print and broadcast media. In recent years they have found new life as an online visibility tool. Your release should contain something that is newsworthy that has been optimized with a select few keywords by which you want your business to be found. Don't waste your time submitting your release to the free press release sites -- the release simply sits on the site and goes no where else. Instead, invest in a fee-based service which will ensure your release gets the recognition it deserves.

2. Social Networking. Social networking now ranks near the top in terms of attracting visibility to your business for a very low cost. If you don't yet have accounts on the two most popular social networking sites Facebook and Twitter, that is a must. Newer social sites such as Sokule, Direct Matches and People String are just a few of many places where you can interact with people to build relationships leading to introducing your business to them through groups or networks, sharing resources, and asking questions. A minimum of 15-30 minutes each day dedicated to Social Networking is a must before you will begin to see the results you are looking for.

3. Article Marketing. Writing and submitting articles to major article directories is an excellent way to become more visible online. Article marketing will drive traffic to your site, establish you as an expert in your target market's eyes and provide people with informative content. To be highly effect your article needs to contain a strong resource box that drives traffic back to your site, needs to contain useful content that solves a problem of your target market. I find writing in a format like you see here attracts readers because it is in point form making it easier for the reader to digest.

4. Blogging. If you are promoting your business you must devote time every day to blogging. It is one of the most popular and successful ways to get the exposure you are looking for. Blogs use RSS feed technology to immediately get new posts and updates out to your blog subscribers through a feed reader. Search engines index blog posts almost immediately, which helps you generate traffic to your website. The important key to blogging is getting return visitors so your content must be fresh and informative to keep visitors coming back. I have found that adding a little humor really adds some spice to your blog and puts a smile on many a weary face.

5. Search Engine Optimization (SEO). Optimizing your site or your blog for organic, naturally-occurring, searches has been around from the beginning of Internet marketing. Use a keyword research tool and create a listing of keywords applicable to your Business Opportunity. Don't forget to add things like "how to", "tips", or short descriptions of your target market's problems to your research. Then, take a look at your page titles, page descriptions, page headlines, and formatted text on a page (bolding, italicizing, underlining) and include your keywords in those areas, as well as sprinkling 1-2 keywords throughout the content of your page. Make the SEO appear to be natural, not forced, and the search engines as well as your visitors will love you.

I spent a total of three years trying to learn how to market effectively online. I finally found out how to get the most out of the volumes of information available for Online Marketing. I hired a coach and mentor to teach me the necessary skill sets for survival in one of the fastest growing industries today “The Internet.” In my next article I will give you some more tips on how to survive and become an overnight success tapping into the most challenging and diversified mode of doing business in the 21st Century, you had better learn to master the “demon” because it is not going anywhere and will only be a thorn in your side until you become it’s master.

The Internet is constantly changing so these series of articles will at times reflect my frustrations and my triumphs as I weave my way through the learning curve to becoming a successful Internet Marketer. Your work is never done, it just faces the challenge of being adaptable and having the courage to master the next hurdle you face on the ever changing Internet highway.
http://www.joansincomeforlife.com

Why is Ganoderma Coffee Healthy

Why is Ganoderma Coffee Healthy

Transforming an Unhealthy Habit into a Healthy One!

Why Coffee?
According to Wikipedia, Coffee is the second-most-traded physical commodity in the world!” Considering the other commodities are oil, gold, silver, wheat, and corn; you get an idea of exactly the kind of popularity and demand coffee commands. Virtually everyone drinks coffee! Even for the tiny, tiny minority who may not drink coffee, they’d have to be from another planet to never have heard or seen people drink that black java.....It is estimated that there are 255 million coffee drinkers in North America. Coffee is big business!

Coffee facts.....

But isn’t “Healthy Coffee" an Oxymoron?
Although there has been some controversy surrounding the subject, most health practitioners would assert that drinking coffee is not good for health for a number of reasons. Coffee can leech vital alkaline minerals (like calcium, magnesium and potassium) and water-soluble B vitamins from the body, making it a contributing factor to an overall overly acidic condition. Plus, coffee can deplete the adrenal glands and energy stores, thus weakening the immune system over time.

In addition to the adverse health conditions that long-term coffee addiction can cause, the caffeine contained in coffee can cause a host of negative side-effects, such as: nervousness, jitters, acid reflux, upset stomach, headache, irritability and insomnia. Despite its generally acknowledged adverse health effects, coffee is the second most consumed beverage in the world, and most people who drink it consider it a necessity rather than a luxury, making it the most popular addiction in the world!

Because coffee is so addictive, it is unrealistic to expect people to quit drinking it without offering an effective alternative to those who depend on coffee's stimulant properties to help them wake up and stay alert, which is why Ganoderma extract enhanced healthy coffee was introduced a few years ago. Ganoderma lucidum mushroom is a potent medicinal herb that can decrease the adverse effects of caffeine and add numerous health-supporting benefits, making it the ultimate solution for transforming this unhealthy addiction into a healthy one. In fact, Ganoderma-enhanced healthy coffee has enabled numerous coffee addicts to reduce their dependency and intake of coffee. Additionally, many people have reported significant "coincidental" health improvements simply by replacing their regular coffee with Ganoderma healthy coffee and tea products. When you consider these important benefits that have been added to Ganoderma extract enhanced "Healthy Coffee", there are multiple reasons to replace unhealthy coffee with this alternative.

Why Is Ganoderma Lucidum so special? Our Ganoderma products contain the highest grade of 100% Certified Organic, log-grown Ganoderma lucidum at the most economical prices. In addition, our Ganoderma products contain extracts that are obtained by an exclusive patented processing technology, referred to as “Cracked Spore Extraction”, which produces Ganoderma extract that is more nutrient dense and about 16 times more potent than that of the competitors. When you try our Organic Healthy Coffee you will fall in love with the smooth mild flavor with a power punch that will sustain you throughout your day with no negative effects that regular coffee can cause. Try a cup today, you will be glad you did.

Key words: healthy-coffee, ganoderma-lucidum, ganoderma-lucidum-healthy-coffee, acid-reflux, 100%-certified-ganoderma-lucidum, ganoderma-products,

Baby Boomers! You can stop the clock. How?

Baby Boomers! You Can Stop the Clock - How?

'Youth is wasted on the young,' we have all heard that statement many times over. Many of us have said if we had our lives to live over again, we would do it differently. Is that a true statement? If it is why are we doing the same things that we did in our youth?

* When we were young we spent hours soaking up the sun, do we still do that unthinkable thing? I saw a friend of mine a few weeks ago and she is at least 20 years younger than myself but her skin was so wrinkled and lined I was shocked. What had she been doing to cause that? You did not have to ask her, the color of her brown complexion told the tale. Many of us defy Father Time, many of us think it will only happen to the other person, but when all is said and done we are looking in the mirror and the person looking back at us has become a complete stranger, reality sets in.

* What about that second Martini or nightcap before bed? The older we become, the higher the likelihood of alcohol related aging skin. Alcohol is a toxin and is notoriously dehydrating - regular drinking means deeper lines and facial wrinkles. Alcohol also depletes calcium levels and causes bone loss thus hastening the aging process. Could changes in lifestyle slow this aging process down?

* Stress is becoming a real epidemic today. What causes stress? Lifestyle wants are a big factor. During this past year the downturn of the Economy has caused many people to simplify their lives. A family interviewed on Channel 4 News told their story. They were living in a million dollar house and had the life style to match. When the Economy went sour they lost everything. They are living now as a family of five in a trailer park in a small mobile home. Both the husband and wife said even though they have lost everything and their three children had to give up so much, as a family they are happier and closer together because their life is simpler and they have more quality time together as a family. Reducing stress from your life can be a big factor in slowing down the aging process.

* Do you eat your veggies? Antioxidants are so important to keep your body in top condition. Did you know that 99% of people in North America have acidic bodies? The lifestyle we live and the foods we eat contribute to a toxic body that not only cannot perform at ultimate levels but does just the opposite, causing our bodies to age. Fast foods cause overweight and undernourishment to our bodies.

All of the above and more contribute to a life of fast aging and wrinkled skin to go along with it. Can we turn back the tide and slow down the aging process. Yes we can, how? By reducing stress in our lives, eating a healthy diet and taking supplements that nourish the body and replenish our cells. Our bodies need to be well oiled fine tuned machines. If we put junk oil into out automobiles how long would it be before there would be serious problems that would interfere with the smooth running of our vehicle? Our bodies are no different. We need to treat our bodies with the utmost respect and care. The choice is up to us.

We have this one life to live, lets live it well!

Is there a product on the Market that can reduce aging and help our bodies to become healthier? Yes there is. Have you checked out the King of Herbs, 'Ganoderma Lucidum,' more commonly known as Red Reishi (Japanese) or LingZhi (Chinese), it is an herbal mushroom used in Japan and China for over 4000 years, making it the oldest mushroom known to be used as medicine.

In ancient times Ganoderma Lucidum was reserved for emperors and royalty and was revered as nature's rarest and most beneficial herb.- Red Reishi is an adaptogen,
- an immune modulator,
- a body-weight regulator, keeping the body in alkaline balance, the state which prevents illness,
- a detoxifier, and each cup of coffee, tea, hot chocolate
- 150 anti-oxidants and over 200 nutrients in every cup.

For more information about this amazing herb 100% Certified Organic Ganoderma Lucidum go to my website at http://organojavajoan.com

Spilling the Beans On Ganoderma Lucidum

What is this wonder product called Ganoderma Lucidum?

Why is it so highly revered in the Orient?

Why were poor people put to death if caught with it in their possession?

Why was it sought after by Emperors and people of high station in China over 4000 years ago?

Why today is it sought after by so many people, even people in North America?

The reason to all the above questions has but one answer.

The healing power within the Ganoderma is found no where else on the Planet.

Why does it have such a huge impact on the human body?

Ganoderma stands for POWER!!

P = PH Balance

When we consume beverages with 100% certified organic Ganoderma Lucidum, alkaloids in the Ganoderma neutralize the caffeine in the coffee. Every time you sip one of these beverages good things are going on in your body! Bear in mind, It takes 17 glasses of water taken immediately afterward to get rid of the acid build up in your body from drinking just one cup of coffee, and bring your body back into alkaline.

Have you ever seen a neglected fish aquarium? Not a pleasant sight. The water becomes murky, stagnant and starts to stink, the fish get very sluggish. They need more oxygen to survive. When oxygen is depleted, they turn belly up in the tank and die because of being starved for oxygen. When we mess up our body levels, the body which is 95% water, cannot do it's job, causing all sorts of negative things to happen such as bacterial growth. Yeast infections can start because yeast loves an acidic body. Coffee dehydrates us and when we do not feel thirsty, the body is in a state of dehydration. Dehydration is linked to so many diseases. 50% of our visits to doctors is due to dehydrated bodies. Caffeine also stimulates the appetite and stops the body from rebalancing itself. Decaffeinated coffee still has a large amount of caffeine in it. It is impossible to extract all the caffeine from a coffee bean.

O = Oxygen

Ganoderma Lucidum oxygenates the body. The higher the oxygen content of the body the more fat is burned.

W = Water

When the body knows it is starting to clean itself, it starts craving more water and this is what happens, the Ganoderma starts detoxifying the body and the body starts to clean itself and needs lots of water to do this. Also the Ganoderma helps people lose weight. When taken 1/2 hr. before meals, it satisfies the appetite so you do not consume as much food at meals.

E = Energy -

People need energy and when people drink our products with Ganoderma they focus better, have more energy and mental clarity, the list goes on and on. Ganoderma Lucidum is just good stuff for the body.

R = Relaxed

People can handle stress more effectively when on the Ganoderma. It's an Adaptogen. It regulates, rejuvenates and helps the body rebuild itself with over 200 nutrients and 150 antioxidants in every cup that the body can pick from to restore health back to the cells.

Powerful, powerful products that are changing peoples lives, one cup at a time. Helping children get off of their medications and helping them settle down and focus without mind controlling drugs.

A Professional Trainer said while he was doing Interval Training he was able to train and run with athletes half his age and have more energy, stamina and controlled breathing. The athletes and their parents changed to our beverages and found they also were getting improved results in their training, running and their breathing was much stronger. Why because of Ganoderma Lucidum, the King of Herbs. Great Stuff that Ganoderma Lucidum (Reishi Mushroom)!!

NOW you can enjoy your morning coffee and stay healthy at the same time all because of that amazing herb from the Orient, the King of Herbs, Superior Herb "Ganoderma Lucidum."

For more information on this amazing herb go to my website at http://organojavajoan.com