Saturday, January 30, 2010

Forgive Debt

Debt, it can be something when we are in debt and when others are in our debt.

Just a suggestion that I have adopted into my life many years ago.
NEVER loan money to friends and family...not at least if you value them.
Either GIVE them the money they need, or don't; but don't ever loan them it.
If they can't repay, it can cause them to feel guilty and cause them to avoid you even. There goes the relationship! All over money.
But when you GIVE them money, make sure they know it's a gift and make sure you know that it's a gift. Gifts never have to be paid back. The relationship stays strong and that's what really is important, even more important than money.

Wishing for you more Wealth and Riches in your life!


Saturday, January 23, 2010

The Secret of Leverage

Leverage really is not a secret, but it seems it is; because so few use it.
But to those who do understand and use it, they greatly benefit from leverage.

Jim Rohn said "Profits are better than wages". Here's his video on it:


Let's talk more about being in business for yourself and using leverage.

Let's say you're a barber. Let's also assume you're a popular barber and you're busy cutting hair all the time.

So lets say you cut hair 8 hours a day, 5 days a week.
It's takes you on average 1/2 hour to do each person at $12.00 per head and your average tip is $3.00 per person, so that's $30 an hour x 8 hours = $240.00 a day x 5 days a week = $1200 x 4 weeks= $4800 a month or $57,600 a year. That's a nice income for a years work. $57,600 would be gross before overhead and other expenses.
The only way to make more money for yourself would be to cut more people's hair in a years time.

Now, let's say you get tired of cutting people's hair and standing on your feet all day. Your fingers and arms hurt and so do your feet. What would be a better way?

How about you take your savings and invest in a place that has just 3 barber stalls and you rent each stall out for $350 a month to 3 self employed barbers.

$350 a month x 3 stalls = $1050 a month gross. Not bad, but no where near the $4800 you were making cutting your yourself.

So instead of just one place, you buy 10 with 3 stalls each only.
Now we are looking at $10,500 a month income. Now we are talking! You have just about doubled your income without having to stand on your feet all day cutting greasy hair. But you did have to invest a lot of money into each building and you have to manage each buildings repairs and collect the rent each month from each barber and make sure all the stalls stay rented to continue your cash flow.

What if though you didn't have a lot of money to buy 10 properties at say $150,000 each on average? What then?

What you need is a better way to leverage your time and money.

What you need is something similar but without the large overhead.

This is where the idea of MLM or MultiLevel Marketing comes into play.

Low start up. From $40 to $1000(instead of $150,000 to $1,500,0000
Low overhead and everyone is self employed working together with you as a team to help each other grow and profit.

This is leverage at its best!

Please watch this video by Randy Gage to learn more about Multilevel Marketing before reading on:

Introducing Young Living. More than a MLM company with products. Rather a lifestyle of health.

Everyone wins in Young Living!! You can intertwine the business with your daily activities, so it's like investing $100 a month in products that will keep you and your family healthy, and then find 6 other people and ask them to do the same. Once you find 6 that will invest $100 a month, you will actually get a bonus ...check for $100, so your products will essentially be free. Teach at least 2 of these 6 to do the same thing so they can get their $100 bonus, and you will get a $500 bonus check. These bonus checks are every month, by the way, as long as there are 6 people that invest, of course.

With MLM you are leveraging not only your money but your time. Because just like a savings account that has compound interest to make your money multiply over time, the same when you invest your time in a good solid MLM business.
When your team multiplies over and over, it just keeps getting larger over time.

To study the comp. plan and the products of Young Living simply go to


"Adventure isn't hanging on a rope off the side of a mountain. Adventure is an attitude that we must apply to the day to day obstacles of life – facing new challenges, seizing new opportunities, testing our resources against the unknown and in the process, discovering our own unique potential." -- John Amatt

Wishing you more adventures and Wealth and Riches in your life!

Sunday, January 17, 2010

12 Angry Jurors


Our friend Mike invited us to a live drama 12 Angry Jurors, at the York Little Theatre.

I haven't been to a live drama since I was 17 years old.
It was a very good story and great acting. Three acts in all.
Nice to get out and do soemthing new.
I used to be in some Middle School and High school plays and it was a lot of fun.
Now that I have a taste for the Theatre again, I have a vision of going to see some type of major production in New York. I might as well take advantage of being close to NY!

Thanks Mike for the evening out!

More Wealth and Riches.

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Saturday, January 16, 2010

It's never too late

If you're reading this now, it's never too late to do something!

Listen to the recording below:

You see, you got to get on up from that chair, from that couch; from that bed and get out and do something to have or be what you are to have and/or be!

You're never too young or too old to make your dreams come true.
Stop making excuses and start with your plans and get going!
There's always plenty of excuses for failure, but there are none for success.
You are great!

More Wealth and Riches to you!


Tuesday, January 12, 2010


Goals, they are like exercise it seems. We all know we should do it, but usually put it off until the negative effects have taken their toll.

But how can we motivate ourselves to create personal goals for 2010 or any year for that matter? What can we do to actually create and write down our goals?

"A person without a goal is like a ship without a rudder." -- Denis Waitley

"Look for role models who have succeeded in achieving goals similar to your own – individuals with whom you can personally identify." -- Denis Waitley

Only three percent of adults have written goals, and everyone else works for them.
-- Brian Tracy

I believe you can see and hopefully be inspired to write down your goals starting NOW. Once you have them written down, you'll need to break them into workable steps with dates so you can take action on going towards each goal. Without action, your goal is only a dream. With action your dream is a workable and achievable goal!

Once you have your goals written down view them at least twice a day and work towards them at least five days a week until you have reached them.

One more quote to keep in mind after you have written down your goals:

“When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps.”

More Wealth and Riches in your life!


Frankincense, a Sacred Oil

Frankincense, a Sacred Oil: this article was shared by permission from: Faye Durham

Christmas reminds us of one the gifts given to baby Jesus. Ever wonder why frankincense, a sweet smelling resin from Arabia, was one of the gifts given along with gold and myrrh? “Used to treat every conceivable ill known to man,” frankincense was valued more than gold during ancient times and only those with great wealth possessed it.

Frankincense has many properties. Besides being the “holy anointing oil”, it is also an immune stimulant, anti-tumoral agent, antidepressant, expectorant and muscle relaxant. It has been used for many different conditions such as asthma, ulcers, allergies, high blood pressure, inflammation, stress, skin problems, cystitis, and others. There are many references to frankincense in the Bible as well as the Ebers Papyrus, which is one of the oldest known Egyptian medical records dating from the 16th century B.C.

Frankincense contains sesquiterpenes, enabling it to go across the blood brain barrier where it is elevating to the mind. It also increases the activity of white blood cells in defense of the body against infection.

Today, researchers have discovered that these constituents of frankincense help stimulate the limbic system of the brain, which is the center of emotions, as well as the hypothalamus, pituitary and pineal glands. Frankincense is currently being researched and used therapeutically in European hospitals. It is also being investigated for its ability to improve human growth hormone production and help repair DNA damage.

Frankincense can be diffused, inhaled or applied topically. It can also be taken orally. Be sure though, that you’re using therapeutic-grade or medicinal-grade essential oils. A lot of essential oils o n the market, including those sold in health food stores, unfortunately, carry synthetic and adulterated oils.

I love using essential oils because they are literally alive and carry a vital life force. This is important because this vital life force makes them therapeutically active and potent, reaching far beyond the effects of dry herbs. For example, 1 drop of peppermint essential oil has the same effect as drinking almost thirty cups of peppermint herbal tea.

For more information on therapeutic grade essential oils, contact me at

Faye Durham