Month: August 2017

What is your why

What is your purpose

What is your why?

Children ask this question constantly and can pester parents relentlessly for the answers.

Somewhere along life’s path we’ve lost that curiosity….

I can remember when my youngest son Benny was four years of age, he would chatter incessantly, and finally I would have to ask him to be quiet… just for a little while please, unfortunately it only lasted for a moment and he was off again.

This quote below is very powerful, if we don’t discover why, our purpose, our passion, our self, we just go through life drifting from one day to the next, and finally when we do question our why, decades have flown by.

There are two great days in a person’s life – the day we are born and the day we discover why…
~William Barclay~

What does it mean, NOT knowing your why?

It can mean you stay in a career/job that you hate, and when Sunday afternoon rolls around (or whatever day is the start of the your working week) you have that same sinking feeling you felt when you had to go to school on Monday morning. That’s no way to live…

Don’t confuse ‘why’ with responsibility- for example, I must pay the bills and feed my family… that is MY why! you may say. No… that’s not what we are talking about here.
Simply knowing your why is the difference between living a full life or just existing… going through the motions of day to day living, because you haven’t worked out your ‘why’. Suddenly retirement is upon you!

A man (or woman) without a goal, (why, purpose or passion) is like a ship without a rudder ~Thomas Carlyle~

Attempting to navigate through life’s turbulent waters today, when you don’t know your ‘why’ can be scary, and gut wrenching… from a day to day perspective.

How can I find my why?

Life today can suck up our time, so much so, that we drift from day to day and year to year mechanically, until one day we come to the realization of wondering, is it all worth it? We are tired, worn-out and exasperated because we don’t know what our ‘why’ is.

Maybe our why is buried so deep inside us, we don’t believe we have one. Perhaps we need to quiet our minds for a while, to access it.

Our minds are rarely still these days, we are bombarded constantly by noise from every possible direction.
Your why is connected to your purpose, happiness, passion and self-worth, it’s about what resonates with you at a deep level, our core beliefs are also tied up with our why.
Knowing your why isn’t the new buzz word, decades ago they called it ‘finding yourself’.

What is your purpose?One way to find your why

One popular method of uncovering your why, is going back to when you were a child, and remembering what interested you, what thrilled you, what made your heart sing. What did you dream about becoming? Sometimes clues can be revealed.

Personally, I believe this is one of the purest ways of rediscovering your why. Remember this was before your mind was cluttered with the stresses of life and adult opinions, when it was okay to dream outrageous dreams, and ideas…. and the only attention you received was a smile, a pat on the head and chuckle from your parents.

Inwardly they were thinking… if only you could stay a child forever and I could protect you from this cruel world. Or you may have ignited a feeling in your parents they had when they were children… momentarily taking them back to their dreams.

Let me use myself has an example, when I was a child I use to love going into the garden and talking to the plants, my father to this day still refers to my behavior.

  •  I love the garden and have hundreds of pot plants.
  • Every night I would make up stories to tell my older sister, so she could fall asleep
  • Today, I’m an author of children’s books.
  • I can remember hiking up the local foothills and mountains and feeling the green springy short soft grass beneath my feet, and the tall rust coloured bracken {a type of large fern} seemingly towering above me.
  • Today, I have a site called Walking the Gold Coast, still love to walk.

These memories are vivid and for many years they were just memories in childhood, until I started to explore them.

There is a bridge to adulthood?

Yes…. there is a bridge. I use a pseudonym, Lillian Bell and have a website called Walking the Gold Coast. It took decades to come back and explore what I really loved in life.
Which brings me back to the ‘Why’… many of us cannot explore our why, because we can’t do anything about it anyway, we haven’t the time, or freedom to indulge ourselves – you must work or spend 60 or 70 hours in business just to keep afloat these days.

There we have it! We don’t know our why because living is taking up all our time…

If only there was a way where we could get ourselves in a position, where we could work hard for a relatively short time, compared to a whole lifetime, and have the freedom to explore our dreams, passions and find our purpose.

There is an opportunity available, a path that others have followed and modeled… which has allowed them to gain not only freedom to explore their purpose, or why in life, but to connect to a community of like-minded people.

You have that same opportunity extended to you now, I’m exploring it because I want to keep doing the things I love, and continue the lifestyle that supports it. I want to keep doing my ‘why’… the things that make my heart sing, but like you I have to live and pay the bills etc.

Check out the seven-day video series and perhaps it will help you find out… What is your why?

 

Women can’t afford to retire today

Most women can’t afford to retire today!

There is much talk about retirement, and how much money we will need to retire comfortably. Women in particularly are the most vulnerable, the figures indicate that one in three reach retirement with no funding, and the average woman retires with less than $100,000 in Superannuation or a pension fund.

These figures are mimicked throughout the western world, women in particular are at most risk, because of the gaps in their working lives for example –

Women will have to keep working

  • Staying at home with the children
  • Parttime employment
  • Equal pay still not a reality
  • Divorce
  • Death of a spouse
  • Ill health
  • Working from home

Men are in trouble also

The list goes on, it cannot be denied that men will also feel the effects of lack of funding for retirement, they may have a little longer to enjoy their retirement, but they will also suffer the same consequences.

It’s not just about money…its about lifestyle and happiness…

Those retiring in the next few years are particularly at risk, for a number of reasons. When you look at the working life of most women, over the last couple of decades, you will find large gaps while taking care of children at home. It’s understandable that women cannot afford to retire

In addition when they were working, it may have been part time, so the income isn’t there to collect in significant contribution.

No one likes to talks about this…

Super funding was introduced into Australia in 1992, we are looking at only 25 years ago, so those retiring now, are already behind the eight ball. They have lost a couple of decades of their working life, contributing to an old age funding scheme.

We could extend that by a few years, because it took some employers time to adjust to this new system, with many resisting changes.

In addition… throw in those that were working for themselves or using their ABN…. we have a recipe for disaster.

In fact there is a huge moving bubble of baby boomers, ill prepared for retirement and approaching retirement age. No one likes to talk about that, they talk about people not being able to retire because of lack of funds.

The only acknowledgement of this issue of time frame, is to extend their working life, beyond 65 years. (maybe they can catch up, if they stay in good health)

The Association of Superannuation Funds of Australia (ASFA) has estimated the yearly income required for a retiree, they broke them down into a number of categories. These figures are interesting and sobering at the same time.

Retirement Standard Annual Cost
Couple – Modest $34,560/Year
Couple-Comfortable $59,619/Year
Single-Modest $23,996/Year
Single-Comfortable $43,372/Year

These figures are based on the retiree owning their own home, and in reasonable health. (Source ASFA)

I can not afford to retire

Do you really need less money when you retire?

They always say you need less income when you are retired, I’ve always questioned that type of reasoning.

For example you may use less fuel because you don’t have to commute to work… but then you go out more and take day trips… more travel, longer distance.

You still consume the same amount of electricity, maybe more…. Spending more time at home in front of the heater in the cooler months.

You eat the same amount of food. You might save a few hundred dollars here and there on insurances because of your age and concessions can help. We are talking about lifestyle here, I know I don’t want to be talking about the cost of everything and complaining about life. I want to live!

Let’s Break Down – Single Income (Single Modest)

Rates 2,000
Home Insurance 1,000
Life/medical Insurance 1,560
Contents Insurance 380
Car Insurance 700
Car Registration 700
Car Service 400
Food @ $130/weekly 6,000
Petrol @$50/weekly 2,400
Meals 2x$50/monthly  1,200
 Electricity  1,400
 Mobile @ $70/monthly  840
 Internet @ $60/monthly  720
 Netflix   @$12/monthly  144
 Holiday for a week  2,000
 Beauty Salon  ?
 Hair cuts  ?
 Medical  ?
 Body Corp Fees  ?
$21,444

We have already hit expenses of $21,444, and still haven’t completed all the variables, yes it’s true, we can save in this area or that, but at the end of the day this isn’t what I would call a modest single income. You are on the poverty line and we still haven’t finished the expenses.

If you have a $100,000 in the bank, you may get an additional $200 per month or $50 per week if you can access it. However your principle isn’t growing. I’m not a financial planner and I have no skills in this area, my only qualification is how I live and what I would expect a secure lifestyle to look like.

Feeling depressed?

This isn’t the purpose of this exercise, to make you feel without hope. However most of us don’t want to think about it, hoping we might have a ‘win’ somewhere, maybe a long lost relative leaves us a fortune, or we have a windfall by winning the lottery.

I know because I have been there too. Is it too late to enjoy our later years, living life to the full? Traveling to distant places, indulging in the things we have put off.

Is there a solution? Or are we doomed to struggle, after a life time of working…

There is an answer, but it does require some investment and a learning curve. It’s possible by following this online business model that you could recover and be able to retire with sufficient funds to enjoy your retirement with an income coming in monthly.

There are no claims made on income, because it is up to you. You can tap into a community of like minded people who can mentor and support you along the way. It’s best described as an Earn & Learn system and worth a look. An opportunity for women who cannot afford to retire, to get some control back for their future. 

Why not take advantage of the seven day video series. You will be able to tell right away whether this system is for you.

 

All the best with your retirement, I wish you well and good health and a great lifestyle… 

Will Money Make Me Happy?

More money will solve my problems and I will be happy… we instinctively know that is not true. However, most of us say it, and believe it will make a big difference in our lives right now.

Happiness is not something you postpone for the future, it is something you design for the present… ~ Jim Rohn ~

If a whole heap of cash showed up, how would it change your life?

Would you…

  • Pay off your debts, credit cards and mortgage
  • Buy a new car
  • Go on that vacation you have been dreaming about
  • Pack your bag and get out of Dodge!
  • Help your parents
  • Give it to a charity

Suddenly you don’t have anymore money problems, no debts, you have a beautiful home and car, and all the trimmings with money in the bank. How long do you think you could stay in this position? You may say… I will never ever, ever get myself into that situation again, I am secure and happy for the first time in my life, and it feels wonderful.

Will money change you?

It is true that many of our day to day financial problems may seem to be solved, or eliminated, it would certainly take a lot of pressure off. Perhaps we may feel more secure and free. At this point we should ask ourselves a few questions:

  • Are you still the same person?
  • Have we grown as a person?
  • Maybe become more generous
  • More loving & playful
  • Are we truly happy?

Suddenly coming into money unfortunately doesn’t wave a miraculous wand over us, and make us instantly happy. We may feel relieved that now for the first time we are financially free… the pressure is off. None the less, we are still the same person with the same insecurities, feelings and habits.

Maybe you are a special case…

You may be one of the ones that can hold onto this new found lifestyle. However statistic show that most of us revert back to our original income status, along with the person we really are within a few years. There have been many of studies done with lottery winners and this has been the case.

Maybe solving our money problems isn’t the long term answer to happiness or freedom.

Happiness is a state of mind they say…

It has been stated that happiness is a state of mind and we must choose happiness, if we are to be truly happy long term. What does that mean? In its simplest form it means we need to practice being happy, we should make a habit of it, and become aware of what’s going on in our minds throughout the day. Reading books and meeting people who have achieved not only financial freedom but more importantly happiness.

If you are still of the opinion that money is the answer to happiness and the key in your case, you need to do something about it. The chances of a truck load of money appearing or winning Lotto are unlikely. Why not start a business with a proven track record, and meet people who have achieved both money and happiness, and have learnt that happiness is more important. You can connect with such a community by clicking the banner below.

This is a community of people from all walks of life, that can assist with a proven business model.. that can point you in the direction of improving your financial position, and yourself worth. This will ultimately bring happiness to you and those around you.

Never too late to prepare for retirement

Retirement is fast approaching for me, it only seemed like yesterday the children were small, and retirement was a lifetime away. That lifetime is fast disappearing and that nagging question fills my mind. Am I set up for retirement? Is it too late to prepare for retirement?

What will the future look like?

Can I look after myself for the next couple of decades and beyond? (My father is 92 years old, active and in excellent health… enjoying a better social life than me)

The truth is I am not set up for retirement… certainly not to live till I am 92 years of age, and comfortably like my father and unfortunately I am not alone.

Today there is an army of women, who will be working well into their seventies, that’s not to say that many, both men and women don’t enjoy working, the question is, what quality of life will they have?


Its been reported that one in three women retiring will have no 
Superannuation. (Retirement funding) according to an ABC News Report.

Throw into the mix, ill health… it’s not a pleasant outlook. Working just to survive isn’t what I imagined my life to be in my later years.

Have you experienced this…

Have you ever watched the news where some individuals were interviewed, and they mention their age… you look up in shock when they are younger than you, and appear decades older, (at this point you usually check the mirror just to be sure) but in all seriousness …they are broken and without hope, its quite sobering…have you enough to retire

You can now understand why some people resort to spending their time and money on ‘good times’ at their local pubs and clubs.

Their prospect for the future seems bleak, based on their circumstances, and for all those looking on.

They have lost hope and vision for the future.

It doesn’t have to be that way… there is a solution.

What about your future?

Just to be clear here, its about quality of life… and not how much you have put away…

Some save and prepare for that rainy day, and are frightened to spend it, that rainy day ends up being their funeral.

Life is full of situations that can impact on your retirement, death of a spouse or divorce, investments going belly up, the list is endless. It really doesn’t matter how you arrive at this point, the end result is the same, you are not prepared for retirement and you will have to work.

Let’s face it, the government wants us to continue working and not rely on the old age pension… 

We have to find another way, because it isn’t too late…

There are many opportunities today to start an online business, in fact the market is flooded with them. Some are potentially a good option, others not so much.

Personally I look back over the last few years and see a number of opportunities I could have explored, and they may have been successful if I had worked on them. But I didn’t pursue them for a number of reasons.

  • Didn’t like the product
  • The business model required cold calling or telephone salesBuild a business you love
  • Didn’t resonant with me
  • Didn’t believe in myself
  • Ethically questionable
  • High pressure selling
  • Lack of funds to get started
  • Family and friends laugh at the idea

Whatever the reason it doesn’t matter, the point being they weren’t for me, certainly not for the long term. Its never too late to prepare for retirement…there is an online business that fits all the requirements.

  • Its ethical
  • No high pressure selling
  • No B.S.
  • A proven business model
  • Mentoring and support
  • Quality training products
  • Community of like minded people

There is still time to prepare for retirement

Does it take work? Yes, it does. Does it take some investment, and time, yes it does? Is it a get rich scheme? No. Can I do this if I have reached retirement? Yes, there is no age limit. Will it work for me? There are no income guarantees in life, however there is a proven model to follow.

I feel personally, it’s the missing link… that turns a business into a success… 

One of the factors missing in most business models is support and a community of like minded people. This is a business that you don’t have to compromise who you are, you don’t have to pretend you are someone else. You have to be you and you alone, success is being yourself.

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