Archive for the 'Personal Finances' Category

Published by Bob on 18 May 2009

The Final Posting… And The End Of This Blog

This is the 301st posting on this blog.

As a result of coming into a greater realization of my own true purpose - providing an opportunity for people to rediscover their innate potential - which is only possible by consciously surrendering to a power greater than themselves - has caused me to recognize that I can directly affect many more individuals with a very different mechanism than this blog and weekly newsletter.

Therefore, this is the last blog posting in the “Best Years of Your Life” series… These articles and postings will continue to be available on this web site.

My time and effort will now be focused on helping individuals - who are ready - to discover their true life purpose utilizing the “mechanism” I believe most fully exemplifies the ideals, aspirations and principles I have always believed in and espoused.

With this in mind I am going to make available - free of charge - access to the Intentional Prosperity™ System 24 lesson online program - to those who join with me in this step I am taking into the future…

It is my intention to assemble a group of individuals who are ready for profound change in their lives - and want to positively affect the world around them.

It is time to us live a life of real significance

Touching others in a manner which opens hearts and minds to a power greater than themselves - a power which transforms, uplifts and brings true joy and fulfillment - and real prosperity- is the most significant thing any of us can do in the time we have left with our lives.

Please join with me - the world has never been darker - more confused - or in more need of illumination. In this physical world that illumination can only be expressed through your heart into the hearts and minds of others.

Because first and foremost - you are a conduit of light from the source of all love - God.

Together we can change the world - one person at a time.

Please call me at 406-475-3458 if you would like to talk about participating with me in this exciting new adventure.

Warmest Regards,

-Bob Baran

Published by Bob on 26 Mar 2009

Go Ahead - Keep Working Hard At Your Job

You can work hard at your job and make a living or you can work hard on yourself and make a fortune…

-Eric Gutman

It’s common knowledge that getting a good education will land you a job. What’s uncommon knowledge is the hidden secret that self education is the doorway to real prosperity and abundance.

I remember being attracted - while still in my twenties - to a headline I read in a direct response ad placed in a magazine I was reading.  The headline was something like this:

“Most people don’t make any money because they’re  to busy spending all their time trying to earn a living”

The truth of that statement resonated with me and I bought the book “The Lazy Man’s Way To Riches”.  I was working in an automotive assembly plant at the time.

All these years later the truth of that statement has never diminished.  The greatest single reason people fail to live the life they love is because they severely limit how prosperity and wealth flow into their lives. They keep themselves blind to the possibilities.

So they sell the single most important asset they possess:  TIME

The most productive time of their lives is sold off - often at a huge discount - 40 or more hours a week in order to do little more than survive.  And they actually believe that living within the tightly controlled little world their fixed income provides is what life is supposed to be like.

NO IT’S NOT!

Life should be a series of adventures - one dovetailing into the next.  Each a new page or chapter in your book of life. At some point “money” should no longer be the biggest obstacle to “doing what you want - when you want”.

Instead of life being a book of adventure stories - to many people opt for only two or three chapters:

School -  Work - Retirement

Because the work chapter of their lives represents the largest single time period in their lives - many actually put off until retirement - those experiences which would have enriched and transformed their lives - if only they could have experienced them ten or twenty years earlier.

Instead of working on themselves - whatever “ongoing education” they participate in is usually work related - just enough to make sure they can hold onto their job until they can retire.

The greatest gift life has given you is the time you’re alloted to experience it.

If your “year” is measured by the highlights of vacations and time off from work - why not turn your “work” into a vacation.  Make the rest of your life the “highlight of your life”,

Why not begin now to live the best years of your life while you can still fully immerse yourself into the experience?

I mean, you can always get a job.

-Bob

Published by Bob on 28 Jan 2009

10% Can Be The Difference Between Profit Or Loss

Predictions for the coming new year have been running their course.  

If you read this blog you know I’ve been a long-time fan of “Coast to Coast AM”, the most popular of all the night time radio programs.

The January 1, 2009 broadcast was quite fascinating.

Gerald Celente,  led off a number of futurists, psychics and practitioners of the predictive arts.  For those of you who may not be aquainted with Gerald Celente, he’s been around a long time - has established himself as being very accurate at predicting coming trends.

His predictions were the most dire:

We’re going to see a substantial failures of retail merchants beginning in January. The main reason was the dismal holiday selling season - the worst in decades.

What a lot of people don’t realize is that most retail operations whose sales drop 10% or more can suddenly be faced with massive lay-offs, store closings and even bankruptcy.

Why?

Except for a handful of businesses - most businesses are leveraged, mortgaged and basically running on credit.  Which means that 10% loss in sales revenue can cause them to not have the financial where-with-all to continue to operate - That 10% is where they’re operating profit exists.

Look at it this way:

A business with a 1,000 stores with a revenue of  1 million dollars per store equals a billion dollars.  10% of a billion is 100 million.  This is simplistic but hopefully you get the idea -  Those stores have to maintain a certain level of revenue in order for the 10% profit margin to actually happen.

This where it can get complicated 

The profit margin rapidly deteriorates as the revenues go down - It’s not in direct proportion.  If the revenue drops to 900 million dollars the profit doesn’t stay at 10%

It may drop to 5 or 6%. 

A 10% drop in revenue can have a catastrophic effect on many businesses. Causing their profit margin to shrink very rapidly…

This is why banks are not lending to businesses - which appear to have large yearly sales revenue - It has to do with businesses’ revenue model. As far as the bank is concerned the bottom line profitability of the business - which is how the loans will be paid back -  is much lower than a 10% fall in yearly revenues would indicate.

You see, many American businesses - like many Americans  - are operating on a week to week basis - often struggling to keep afloat even in the best of times.

I’m sorry to say that we’re going to see a large number of businesses fail in the coming months because a 10 -15% fall in revenues means they won’t be able to keep their doors open.

Please support your local merchants. There’s a lot of good people who are suffering though sleepless nights right now.

-Bob Baran

Published by Bob on 08 Dec 2008

“Worse Than Expected”

Worse Than Expected…

Those three words have accompanied just about every dire economic report I’ve seen since last September.

So what’s going on?

The so-called experts don’t have a clue.  

We’re in uncharted territory. Their “models” of how things are supposed to be working don’t fit reality.

That should give you a boost of confidence!

The people who advise us on what to expect keep getting it wrong… Again and again.

So what does this mean?  

Well common sense tells you that if “worse than expected” has been the most used phrase during the last three months - when describing the latest economic surprise - you had better believe that experts are at least getting one thing consistently right:

It’s worse than expected - and it going to continue to be worse than expected until it runs it’s course.

Are you prepared for the “worse than expected” future that’s rapidly coming your way?

The Intentional Self-Reliance online Boot Camp is coming soon…

It’s going to help you be fully prepared - so your experience will be “better than expected”!

-Bob Baran

Published by Bob on 08 Dec 2008

When The Tulip Bulb Bubble Burst

They say that a Sailor walked into a shop and saw what he thought was an onion on the counter.  So he sliced the “onion” - made a sandwich - and promptly ate it.

That “onion” was actually a tulip bulb

And that sandwich caused the Shopkeeper to go bankrupt!

You see, he had “invested” his entire life savings into that single tulip bulb.  Because tulip bulbs where the most valuable things on the planet at the time.  There had been an enormous run-up in value - so everyone started “investing” in them. That’s right - tulip bulbs!

Then the “bubble” burst and it caused a world-wide financial meltdown

Sounds far-fetched doesn’t it?  Like I made up the story…

Well, I didn’t.

It’s true and it really happened in the early 1600’s

Many fortunes were lost because people got carried away - thinking the price of tulip bulbs would just keep going up and up - until one day it all came crashing down.

Believe it or not, history is full of financial “bubbles” that always eventually burst.

It’s just the way of things…

How much you want to bet that even right now, yet another “bubble” is starting to expand - and people will soon start throwing their money into it…

Those who fail to study history are bound to repeat it.

-Bob Baran

 

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