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Are You Busy Living or Dying?

 by: Esther Smith

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If you are not busy living, then you must be busy dying. Most of us do this subconsciously and are unaware of which side of this equation we reside on. It must follow then that if you have lots of money, you are probably busy living and living well. Everybody wants more money. But is it the money itself or is it the freedom it buys? Lots of money = lots of freedom.

On the opposite side are the people busy dying. It must follow then that their income falls short of the mark. They cannot meet their obligations, their debts are growing, and there is more month at the end of their money. Yet fuel prices, housing costs, taxes, even groceries keep rising. How do you budget an inadequate income? So they add on a part-time job to make up the deficit. Lack of money = lack of freedom.

In one month alone, nearly 400,000 people went to Search Engines for self help .

• 1,324,817 for help with depression

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• 276,647 for help with an addiction

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So, how do we correct this? More money is the only solution and there are many ways to do this. For most, it is not how much they earn but how much they are able to keep. This is the single most important difference between becoming wealthy and staying poor. Spending more than we earn leads to certain financial disaster, yet most people do just that.

The poorest people would never think to buy knowledge or invest in their greatest asset their brain. Certainly the easiest way to gather financial knowledge is through educational publications on the subject. Yet the ones who desperately need this knowledge almost never read it. They think poor and so do nothing to change it.

All too often we entertain the thought that there may be a shortcut to wealth. We dream about winning a lottery, or investing in a popular trade, or jumping into an Internet wonder-business that promises you a license to print money (been there, done that).

I m sure by now you think I m going to come up with the perfect solution to this problem and I wish that were even possible. But I ll offer my two cents for what it s worth. Let s start a new generation with one parent staying home with the kids. Like the old days we seniors like to say. And it doesn t always have to be the at-home-mom; plenty of dads can fill this need and do a superb job; I happen to know a couple of them first hand.

We live in a new millennium where dotcom millionaires are made every day. So I will make earning a living online my solution, because it is the only way a parent can stay at home without fracturing the family budget. And I m not talking about paid surveys, stuffing envelopes, secret-shopper, or (god-forbid) telemarketing! Usually this is too little, too late.

To realistically run a business from your home, you must set aside some funds for start-up costs. Free is swell, but in the end it will not pay the bills. Compared to a brick and mortar business $1000-$2000 is not unreasonable. Currently, a McDonald franchise goes for 3.5 million! And what good are profits if you are imprisoned by your business. There is no freedom in the food business (been there done that too).

You will need some tools to run your business proficiently. Don t start out with a handicap like some one-armed paperhanger. You will need everything going for you if you are to succeed. Properly equipped, you will appear to be a serious business person but more importantly, you will feel like one.

Start with a domain name, a hosting company and unlimited phone service. A lot of your time will be in conference and follow-up calls. You will need a toll-free number if you want prospects to contact you most will pass on a long distance call. You should automate your business as much as possible because you will be splitting your time between home and office duties. A Lead service and Autoresponder would be beneficial. A secluded place for your new business would be ideal and should be labeled off-limits during your scheduled work-time.

Working at home can be challenging if you don t have discipline. You have to resist morning TV shows and learn to say no until friends and relatives realize that you do have a job with a schedule to keep. A structured day is almost mandatory, especially with small children. It does get easier when they are in school. Your day can match school hours and the many camp-options can eat up the summer months. And oh yes, you will be able to afford it by then.

So the next step is to search for the perfect home-business. Personally, I like independent sales so I don t have to share my profits with several upliners. I also like residual income to be the larger part of my earnings. What is residual income? It s when income continues to flow automatically as a result of your efforts months ago. It takes no further effort on your part and rewards you generously.

Put high priority on a company s product. If you ve never claimed to be a 5-star sales person, you will need a superior product at an irresistible price. But once you discover what works you will stop doing what doesn t, and never look back.

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© 2005 Esther Smith

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About The Author Esther Smith publishes a syndicated Newsletter every Sunday: clendon@charter.net?subject=subscribe. More articles by Smith here: www.thepermanentventure.com/articles.htm She is a proud member of the Profit Masters Team www.exec-livestyle.com -- the power and simplicity of this business earns $3k - $5k weekly in a very short time. Creating wealth is fun if there is no struggle attached to it, and this team shows you how. goplaytoo@charter.net

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Copyright 2005 David Frey

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Yes, I admit it - I hate asking for referrals - don t you? Be honest. Doesn t your heart start to pump faster and hands start to sweat even thinking about asking a customer for a referral?

If you re like me, you hate to impose on others. Asking for names of friends or family members almost makes you feel as though you re selling a multi-level marketing opportunity.

Not to worry. There are many ways to get a continual stream of qualified referrals without having to go through the painful process of asking for referrals face-to-face.

The secret to getting referrals without asking for them is to develop referral systems that do the asking for you. Here are six innovative systems for getting referrals without asking.

Referral System # 1

Make a list of people / businesses that sell complimentary products and services to your own product or service. If you sell athletic shoes your list might include health clubs, running clubs, basketball teams, or podiatrists. Now create a referral program that pays referral fees for people that are sent to you by your referral partners.

To make this system more effective, give your referral partners customized coupons, tickets, or cards that the referral brings with them to your business so that you can correctly track each referral source.

Referral System # 2

Approach charities in your local area to get a list of donors that already give to the charity. The United Way is a good place to start. Most United Way donors make advanced pledges or set goals to give a specified amount to the United Way.

Now approach the executive sponsor of the United Way donation drive and make a proposal. Propose that for every referral that is sent from their organization to your business, you will take a percentage of your sale and donate it to the United Way (or whatever charity they are affiliated with) in their name.

Referral System # 3

Local churches are always looking for innovative ways to raise money to sustain the programs they offer to their members. Most churches would be enthusiastic about the opportunity to receive a donation from you or your business.

Simply call up the ecclesiastical leader and ask if you can meet with him/her to talk about a potential fundraising activity. Propose that for every referral (church member) they send your way, you will donate a percentage of the sales to the church. In return, the church should agree to promote your business.

This same referral tactic can be done with the booster clubs of local sports teams, Boy Scout troops and other organizations looking to raise money.

Referral System # 4

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The fourth referral system is very simple. Give your products or services away (or significant discounts on your products or services) in local raffles. In my hometown of Friendswood, Texas the local Ford dealer gives away a brand new truck in a 4th of July raffle through the local Chamber of Commerce.

The tickets sold in the raffle go towards paying for the cost of the truck and the dealership gets to display the new truck for several months leading up to the raffle in high-profile areas provided by businesses that are members of the Chamber of Commerce.

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In fact, we found our financial planner through a raffle offered through the local Boy Scout troop. We "won" a full financial analysis and eventually purchased some of his products as a result of the raffle.

Referral System # 5

Most everyone has a barber or hairstylist they use on a frequent basis, especially if you have children. I don t know about you, but my barber always engages me in conversation during my haircut. And most barbers and hairstylists are very happy when you give them a $2 - $3 tip. Do you see where I m going with this?

Why not approach the local barbers and hairstylists and offer them $1 for every referral card they pass out to their customers. You might even motivate them to talk up your business by promising them a percentage of each sale that results from their referral.

Referral System # 6

The last referral system will not only bring you referrals, but will also create a lot of goodwill. I learned this tactic, strangely enough, by Princess Diana and a local real estate agent. When Princess Diana died a close associate of hers was interviewed and revealed that Diana always carried a set of "royal" thank you notes.

Every time she met with someone she would remember their names and as soon as she got in her car she would write a short thank you note to them. The people cherished the thank you notes they received from the Princess. After hearing that, I started to carry around my own box of thank you notes.

But here s what really will make this referral tactic take off. Not long ago I received an email from a subscriber to my Marketing Best Practices Newsletter that had this phrase under the man s signature:

By Referral Only

By Referral Only...means: We invest 100% of our time and energy to delivering first-class service to our clients. As a result, our valued clients, suppliers, and friends refer their family, friends and work associates to us for advice on buying or selling real estate. We're interested in building strong life long relationships one person at a time.

You see, its not enough to send a thank you note. People need to know that you want and appreciate their referrals. The phrase, in essence, answers the question, "What can you do for me in return for this nice thank you card?" Immediately, I had this phrase printed on the bottom of my thank you notes and my referrals took off.

Conclusion

Each of these referral tactics that I have shared with you are s-y-s-t-e-m-s. They motivate others to generate referrals for you without you having to play the role of the beggar and asking for referrals face-to-face.

The best thing you can do to excite your referral partners is to get them to experience your product or services themselves. Then they can talk about it with first-hand knowledge. It will not only make them more credible to others but once they've experienced the benefits of what you have to offer, they will be more excited to tell others about it.

In the referral systems that require you to pay referral fees, make sure you pay quickly, honestly, and with gratitude. Always give your referral partner the benefit of the doubt. If you treat them right, you will be the benefactor.

About the Author

David Frey is the author of the best-selling manual, "The Small Business Marketing Bible" and the Senior Editor of the "Small Business Marketing Best Practices Newsletter." To get your free lifetime subscription visit http://www.MarketingBestPractices.com

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