MLM Residual Income – The Secret to Retiring Early

We have heard all of the stories. Top earners in the industry of network marketing have testified again and again about the giant financial potential of this business. We hear of self-made millionaires before the age of 30. There are lots of people who seem to be making a lot of money in this industry and the leverage they get from their huge downline team is enough for them to retire early.

Is this dream achievable for you? Will the time ever come that you will be able to sit back and relax, or fly to a far off island and enjoy an overdue vacation, all because youdon’t have have to work anymore because the downline you built is yielding tons of residual profits day in and day out..twenty four seven?

The answer to the question above is yes. Of course, the dream of financial freedom may seem like a steep goal for a lot of people, but it is achievable and attainable. But there is only one prerequisite: You need to set clear cut goals and you must have the desire to achieve them  no matter what! In essence, success in this industry is entirely up to you! Here are some tips:

1. Commit yourself to a specific amount of time you will spend on finding new prospects each day. Whether you prospect online or offline, you need to have a daily plan of output and you must set aside a specific amount of time that you will devote to prospecting, using proven and effective techniques.

2. Set a regular “mastermind” meeting with your downline leaders on a weekly basis. The goal of the “mastermind” meeting is to build a sense of community with your team members. At the same time, the weekly meeting allows the team to unite and implement strategies for more growth.

When you visit my website, I will show you effective ways to build residual income in your business. All you have to do is open your mind, visit my webpage, and learn supreme downline building tactics for free.

Thinking Of Retiring In Mexico?

Mexico has always fascinated Americans. Many Americans toy with the idea of retiring to Mexico all their lives and many of them do take the plunge. As the cost of living in USA is increasing every day and standard of living Mexico improving, more people are opting to retire permanently to Mexico. A retirement destination with sunny climate, beautiful beaches, friendly people, good medical care facilities, stable government, booming economy and world class real estate – Mexico is all this and more. The best part is that one can retire in Mexico and lead a very comfortable life for very less as compared to USA. Retiring to Mexico is not as complex as people think. In fact, Mexico is retirement friendly.

The Mexican authorities offer attractive benefits like a special visa and inexpensive health care for expats who come to Mexico attracted by the warm weather and white beaches. The “rentista” is a special type of non-working visa available to retirees 51 and older. To obtain a “rentista”, an expat needs to provide a letter from the bank or social security administration confirming that he/she receives a certain minimum income each month. Expat Retirees are also eligible for IMSS, medical insurance system. MSS stands for Instituto Mexicano del Seguro Social. It’s a Mexican social security plan that costs $200 per year and covers medical, dental, and vision care. IMSS gives you complete coverage including prescription meds except for certain preexisting conditions that have varying time periods before they are covered.

To encourage retirees to buy Mexico Real Estate, Mexican government has made buying property in Mexico for foreigners a simple process. Non-Mexicans can obtain direct ownership of property in the interior of Mexico. However, foreigners cannot own property outright within the restricted zone i.e. property in Mexico within 50 miles of the coast or 100 miles of a national border. Foreigner needs to set up a Mexican corporation which will technically own the land or a beneficial trust called a fideicomiso.

While buying Real Estate in Mexico, an expat make sure to contact a reputable real estate agent to help you get your corporation or trust established in right order. Since, there is no real estate license system for selling and buying property in Mexico, meaning that anyone can be a real estate agent whether or not they are familiar with the intricacies of laws and procedures. Before purchasing property in Mexico, research real estate companies and choose one only after evaluating their experience, references and communication skills.

Since property taxes in Mexico known as Predial is substantial lower in Mexico as compared to USA, buying Mexico real estate makes more sense than ever. You need to pay taxes only on slated sale price every year even if the property’s value increases.

The manifold benefits to retirees such as cheap luxury condos, affordable healthcare system, breathtaking beauty, relaxed atmosphere and rich culture are just what expats look for and get in Mexico. If you’re contemplating about retiring and purchasing home in Mexico, you’re in for an exciting journey.

Authour: Tom Budniak

Georgetown, Texas: Homes for Retiring Wine Lovers

Every hard-working person dreams of the day of their retirement, when they can sit back, relax and enjoy the fruits of their labor throughout the remainder of their days. Ideally, people rediscover the passions they were too busy to pursue and fill the void that the lack of work suddenly leaves in their lives. This could mean moving to a region of the country or world that helps retirees experience their ideal retirement. Many retirees are discovering their retirement dreams are coming true in the wine country of Central Texas.

During these pressing times, it may be more difficult than before to find a location where an affordable housing market and low cost of living will allow you to pursue fine pleasures such as wine. A recent U.S. News and Reports article has named Georgetown, Texas as one of the 10 greatest places to retire for wine lovers, an affordable and beautiful place to spend the remainder of your days. Here is a look at some wineries in the greater Georgetown area, in the beautiful Hill Country of Central Texas.

The Georgetown Winery is located in Historical Downtown Georgetown and is only a short drive from Austin and all of Central Texas. They offer a wide palate of award-winning wines and an experienced wine staff on-hand that can guide you through the entire process of making your own personal batch of wine. They are open for your wine-loving needs Tuesday through Thursday, 11 AM to 6 PM and Friday and Saturday 11 AM through 9 PM. The Winery is also available after hours for private events and offer a large selection of wine gifts.

Vino 100 is a Georgetown winery that offers its consumers new ways of buying wine. Every wine has a “Wine Barometer™”, which is a tag that indicates its flavor and body, simply an easier way to buy. The entire store is laid out according to the Wine Barometer™ system, so customers can easily find the wines that suite their tastes and budgets. They also offer a variety of events, including Senior Appreciation Day every Wednesday, and all levels of wine education classes taught by certified wine specialists.

The Vineyard at Florence, just outside of Georgetown, offers a truly unique experience through the first residential winery in the state of Texas. You can have a premier property built by one of the winery’s preferred builders, offering a magnificent home site with a tremendous view of the vineyard. Amenities include a private tennis court, pool and pasture areas for horses. The wine tasting villa, Villa Firenze, overlooks the vineyard and polo field for a stylistic and graceful experience for any resident or visitor to the tasting room. The tasting villa also hosts a series of ongoing educational programs, cultural exhibits and performing arts events. The Villa Firenze is also available for private weddings, special events and private parties. You don’t have to be a resident to enjoy the fruits of Villa Firenze.

It’s easy to see why Georgetown, Texas was voted as one of the premier places to retire for wine lovers. Along with all of retired life’s amenities, Georgetown offers a thriving variety of wineries; from the affordable to the lavish, all are affordable for any wine lover’s retirement fund. A great resource to find out more about Georgetown, Texas homes is through local websites, like www.georgetowncustomhomes.com. The author, Edward Lui, has done your homework for you in the city of Georgetown and can help you find the right home for your retirement. Edward is also able to provide professional services for Cedar Park real estate, Round Rock real estate, Leander Real estate and other surrounding communities in the Hill Country.

Assisted Living Facilities Today Focus on Living, not Retiring

With workout facilities, pools, golf courses and trips, the aging communities today are not looking for their parents assisted living communities of the past. In fact, Baby Boomers are looking to live out their golden years packed full of as much adventure and fun as possible. <a rel=”nofollow” onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=http://www.greatplacesinc.com/features/AssistedLivingca.aspx>California assisted living</a>, Arizona, Florida and <a rel=”nofollow” onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=http://www.greatplacesinc.com/features/AssistedLivingMN.aspx>Minnesota assisted living facilities</a> are all changing their modern assisted living construction to reflect new attitudes about retirement living.

The New Look of Active Assisted Living Facilities Today
Besides all the modern safety features, furniture and designs of new assisted living facilities, seniors are also given a packed calendar of activities to choose from- encouraging active retirement, not just sitting and watching the days fly by.

From line-dancing instruction, ukulele club and wine tasting trips, senior assisted living facilities today are not so much retirement homes as they are active learning centers. Here are just some of the packed calendar events that are listed in many assisted living centers today.

•    Arts Programs and Events
•    Athletic and Sporting Events
•    Community Social Activities
•    Dance Programs and Events
•    Entertainment and Shows
•    Recreation Coordinated Events
•    Religious Services and Programs
•    Social Services Programs
•    Support Groups

People are living longer, so why should their “living” be any different? That is the refreshing take on new assisted living and senior retirement centers today.
Seniors can learn guitar, learn to speak Italian and tackle that big quilting project they have wanted to finish with like-minded peers around them.

Assisted living facilities all over the United States are focusing on modernizing what used to be called nursing homes and changing the name to active senior communities. Instead of a cold cafeteria every 6 hours for meals, gourmet chefs prepare amazing dishes. Physical therapists and masseuse are often onsite to provide long term care. And if one group is heading out for a round of golf, another group is watching a ballet performance downtown. Just because you’ve reached your golden years, doesn’t mean they have to be stationary.

Retiring From The Military

retirement, investment, 401k financial, stocks, ira

When somebody has done something good, it is right to provide him or her some rewards. For all the hardships and continuous service to the community, a worker is entitled to all the required benefits in exchange for all the services that he or she has done.

It is for this reason that retirement benefits are extremely important. It is solely the best gratification one could ever have after so many years of working hard.

In the military, people who work for the government and for their respective community should likewise be entitled to receive the benefits that are due for them.

Basically, military retirement is available in three remuneration plans. These plans were authorized by the Congress, which are entitled for every military personnel who have rendered the needed services to the government and to the whole country as well.

Military retirement plans are unique on its basic concept inclusive of the service dates, in which the amount of retirement benefits will be based from.

These military retirement benefits involve the “primary service dates” that provides the DIEMS or the “Date of Initial Entry into Military Service” and the service date as stipulated in the Title 10, Section 1405 of the United States Code.

For a complete understanding of the benefits in military retirement, here is a list of the three remuneration plans.

1. DIEMS before September 8, 1980

For military personnel whose DIEMS is before September 8, 1980, the military retirement benefit is based on the product of the military personnel’s monthly income and the 2 1/2% of the concerned personnel’s years of service.

This plan is known as the present military retirement plan.

2. DIEMS between September 8, 1980 and July 31, 1986

Any military personnel whose service dates falls between September 8, 1980 and July 31, 1986, the expected retirement pay is the product of the 2 1/2 % of the personnel’s years of service and the average of a personnel’s “highest 36 months” of the basic take-home pay based on the days of active duty.

This military retirement plan is known as the “High 36/50 Percent Plan.”

3. DIEMS on or after August 1, 1986

Any military personnel whose DIEMS is on or after August 1, 1986, the amount of the expected retirement benefit is the product of 2 1/2% of the personnel’s years of service, but less than 1% for every year of service that is below 30 years, and the average of the personnel’s maximum income on a 36-month remuneration.

This plan is called “High 36/40 Percent Plan.”

Indeed, any of these three plans will definitely give the military people enough financial aid by the time they retired from service.

Retiring Without a Fortune

Money everywhere, some people excel at accumulating it, most like myself make a modest living (we aren’t so adept at earning money). For myself, I’m not sophisticated enough to understand or, for that matter, want to understand all the intricacies of earning money past the blue collar level.

So, what do you do if you don’t play the game as well as everyone else and you can’t amass the small fortune that experts say you need at retirement? I’ve always believed that families should care for their own; modern family values seem to discard the elderly and boot out the offspring as soon as they reach adult status.

Each individual brings their own experiences and skills to the family, you have a team working together for mutual benefit – spiritual, mental, physical and even monetarily. So why would you willingly dissolve this partnership? – not taking into account the irritatingly dysfunctional uncle that drives you up the wall everytime you see him.

In my family I have quite a few of the trades represented, electrical, mechanical, chemical(not what you think), carpentry, agricultural and they have, very gradually, been moving closer both geograghically and as a family; many of them having maxed out on salery and realizing that they can’t work, yet, another job because when sleep comes it takes priority over everything else. It’s a work in progress but cooperation in all those fields with other family members, not the exchange of cash, has put most of my family in a better position – financially.

My brother-in-law’s father, here’s a guy that is highly proficient at ruining a good time , but, he can “grow” anything and he will help anyone, you just have to understand his unique way. If he was placed in a home his ways and his experience would be totally lost on the residents. If that is how you treat your parents don’t expect your children to treat you any differently; old doesn’t mean useless – it might mean cranky but definitely not useless.

One of the ways out of the rat race is to stop playing by the rules of consumerism (working a 40 hour week for a paycheck to pay for services or products that you need). What if you forego the 40 hr. work week? you’re broke right? maybe not, if you barter for goods don’t you receive “some” of the same goods as you would have if you handed over cash? I mean there has got to be someone out there that will hand over their treasure for your trash – everything is relative to wants and needs.

Unconventional is the word that comes to mind when searching for alternatives to the high cost of housing/living:

* Owner built home – build as you can afford it, no mortgage

* Earth sheltered home – energy efficient, passive systems with little maintenance, many first time builder friendly designs

* Grow your own groceries – become more self sufficient, less dependent on consumer goods

No mortgage is always good, an energy efficient home with passive heating and cooling systems makes knowing the costs of heating and cooling very predictable if any supplimentation is needed. If you budget, having relatively fixed figures makes life alot easier. Growing your own produce to be more self sufficient or if you have a surplus you can set up a roadside produce cart or barter surplus.

Then we have the champion scrounger, the person that can make something useful out of other peoples discards(after all we are a throw away society); every spring we have communities that put out their broken furniture, mowers, appliances, etc. for the county to haul away, a treasure trove of potential profits, people don’t care who takes it so long as it disappears. All of these things operate outside of our normal everyday, business as usual economy, but, knowing what the normal “accepted” alternatives are(welfare, old folks home, homeless), for people that don’t have that huge nest egg to fall back on an underground economy is a perfectly viable alternative.

When I think of an underground economy I think of very basic transactions between two parties both needing what the other has without a middle man holding his hand out to take a very sizable slice of the pie; of course you can’t have an underground economy if everyone is doing it, it then becomes mainstream, and noticed, and regulated, and then the middle man takes his share.

Retiring In Pattaya Thailand

Pattaya, in Chonburi province of Thailand, is about 150 kilometers southeast of Bangkok. It is probably the most well-known destination in Thailand for foreigner alike. The Pattaya city and its three beaches – Pattaya, Jomtien, and Naklua – grew rapidly during and after the Vietnam War, when the Americans built a naval base and American GIs invaded the town for “Rest and Recreation”

Today Pattaya boasts dozens of Five-star hotels, luxurious resorts, and a vibrant nightlife with hundreds of bars, nightclubs, and restaurants.

Pattaya has a large foreigner’s community, with Americans and Brits topping the list. There’s a sizeable population of assorted Europeans and Australians, as well. Two foreigners’ Clubs organize a host of activities for the foreigners. There’s a various of activities going on in the Pattaya city every day. There are two daily English-language newspapers-The Pattaya mail and Pattaya Today-and one free bi-weekly magazine which is called EXPAT.

Pattaya is a prime tourist destination for the pleasure-lover, and lies along the gulf of Thailand 150 km southeast of Bangkok. U-tapao airport is nearby. A taxi to bangkok is Bt 1,200 – 1,500. Buses and trains are much cheaper and service is virtually continual.

But a reasonable drive down the coast brings the visitor back into contact with Thailand. Sattaheep, Chantaburi and Trat are much more traditional.

Here are the comparison between benefit and drawback of retiring in Pattaya.

Benefit of Retiring in Pattaya, Thailand

1. Pattaya has foreigners’ clubs that meet every Sunday. They provide an extensive support network. Each club has a host of special interest groups. One of them provides cheaper health insurance for foreigners.

2. Easy access to Bangkok and all its attractions.

3. Three beaches offer a host of water sports for the active resident.

4. The city is one of the most entertainment capitals of Thailand, with hundreds of beer bars and A-go-go bars that are open to the small hours.

5. A heaven for gay residents for foreigners and gay-lovers.

6. Amazing array of restaurants, especially for sea-food and international cuisine; five-star hotels for comfortable dining and night-life entertainment.

7. Some of the best sailing and yachting in the country; also a big-game fisherman’s paradise.

8. Well over 20 golf courses in the nearly area.

9. Lots of clubs to join: five Rotary Clubs, a Lions Club, a Sportsman’s club and two prominent yacht clubs.

10. Many business centers to take care of financial and property needs.

Drawback of Retiring in Pattaya, Thailand

1. Up to a million tourists during the November to March. There are a lots of people around here.
2. Overcrowding of beaches during the tourist seasons.
3. Inflated prices for foreigners.
4. Pattaya residents usually get mistaken for tourists until the locals get to know you better and see you frequently.
5. Rush-hour traffic can be as suck as other metropolis, especially during holidays and festivals.
6. Although improvement of environment, the beaches are still polluted with garbage all the times.
7. Booming tourism has caused much environmental degradation of the area.
8. High rate of Crimes.
9. Pattaya continues to have the image of being a city of sin and sex.

Retiring To A Golf Community

When you retire do you know where you want to go? Some people simply want to stay in the home that they lived in their entire life. But on the other side of things there are people that want to retire to something a bit more comfortable. One of the best options fore people like this is retiring to a golf community. If you like the game of golf, and are not against moving, this is one option that you should definitely look into.

The best thing about a golf community is the golf! If you like to play the game, this will give you the ability to hit the links everyday of the week. Regardless of what time it is or what day it is, you are never any longer than a short walk or drive to the first tee.

In addition, golf communities are also great places to live as well. Most of these communities have many options to choose from. In most cases you can buy a home or condominium, or if you would rather you can rent an apartment. Just make sure that you know what decision is best for you, and then move forward with a golf community that can suit your needs.

When searching for a golf community to move into you will want to take your time. By jumping into things too quickly you may end up finding out down the road that there was a better option available. Most retirees like to move into a community where there are other people their age around. This is a great idea and there are many golf communities that cater to people who are retired.

Finally, just because you do not have a lot of money does not mean that you cannot move into a golf community. There are thousands of these all over the country with each one offering unique features and price levels. Simply search around until you find something that suits your needs and budget.

Overall, retiring to a golf community can be a lot of fun. Not only will you get to live in a nice home for the rest of your days, but you can also play golf anytime that you want. For some people this is as good as it gets. If you are interested, start your search today. In no time at all you will be living the life of luxury.

Ixtapa Real Estate, Excellent Option for Retiring in Mexico, offers Direct Flights to Canada

While Ixtapa Real Estate already offers excellent airline access to most major American airports, with easy connections to many other locations, recently a milestone was reached when the first direct flight was made from Canada to Ixtapa-Zihuatanejo. This is excellent news for Canadians thinking of Retiring in Mexico, or just finding a home away from home in an top-quality beachfront resort destination.

The first direct flight from Canada came from Calgary, offered by the Canadian airline, Westjet.  This first flight was given a special “grand-opening” type speech from the president of Westjet, Tyson Matheson.  In an interview Matheson outlined a number of the benefits of Ixtapa Real Estate and tourism, which led the company to offer its customers a direct flight to this retirement and beachfront lifestyle destination.

The direct flight from Calgary to Ixtapa is approximately 5 hours, the first flight leaving Canada at 9 am (Mountain Time), and arriving in Ixtapa-Zihuatanejo at 3 pm (Central Time).  It is scheduled landing two flights a week from this month until May 2010, a number which could increase according to demand.  Matheson also mentioned the possibility of expanding to offer flights from other destinations, again according to demand.

This new milestone comes as excellent news for Canadians searching for a property ideal for retiring in Mexico; beautiful beaches, excellent infrastructure and a laid-back beachfront lifestyle with a large North American community are only a broad overview of what Ixtapa Real Estate offers.  Canadians looking for a second home in a warm climate will also welcome the news, meaning that soon more direct access home will be available, making visits back home quicker and easier, as well as visits from friends and family.  To investigate more of what life in Ixtapa-Zihuatanejo and Ixtapa real estate offer, contact TOPMexicoRealEstate.com; “We are certified professionals that specialize in guiding new buyers through the Mexican purchasing process.”

TOPMexicoRealEstate NETWORK; Mexico’s Leading Network of Specialists for Finding and Purchasing Mexican Properties Safely

Retiring in Panama

Affordable real estate, extraordinary sceneries, near perfect weather, a low cost of living, inexpensive labor force and a pensionado program are just a few causes why retiring in Panama is the most excellent. Panama is quickly becoming one of the world’s retirement spot. Panama has something great and immense for every person. With an interesting cultural background, to the history of conquistadors and now a modern society with infrastructure and transportation that is first world. In addition Panamanians are some of the friendliest people you will ever meet. All this make Panama an ideal location for retirement or a second home.

Earning a lot of money to retire is not a need in Panama. The country is the definite choice and the answer if you are looking for a safe place as well as a cheap place to retire. All the facilities and services that you are looking for can be found in Panama. The country could give and bestow a very comfortable retirement contrary to what others believed and imagined it to be.

Retiring in Panama offers and provides a lot of benefits. Not only will one gets access to all the calmness and luxuries of this current life, but they will also gain admission and contact to more because of the lower cost of living in this country.

Panama offers a Pensionado program, which includes a package of the most excellent incentives that can be benefited by retirees from all over the world. If you are at least 19 years old, all you have to do is to provide a proof that you have a monthly pension of $500 plus $100 per dependent to be eligible for the program.

Panama has one of the world’s best discount programs for retirees. They give to up to 50% discount to everything from movies, doctor’s fee, mortgage rates, restaurants and travel fees. Here, you’ll encounter fewer formalities and paper works and a lesser amount of interference and obstruction from local authorities. As a beneficiary of the program, you are entitled to these advantages:

Import tax exemption for household goods Tax exemption to import a new car every two years

25% discounts on utility bills

25% discount on airline tickets and 30% on other transportation like buses, boats and train fares

15% discount on loans made in your name

1% reduction on home mortgages for homes used for personal residence

20% discount on doctor’s bills 15% on hospital services if no insurance applies

15% off dental and eye exams

10% discount on prescribed medicines

20% discount on bills for professional and technical services

50% discount on entertainment like entrance to movie theaters, cultural and sporting events

50% discount at hotels during Monday to Thursday, 30% on Friday to Sunday

You will be retiring rich when you are in Panama because of its low construction costs, low cost food and low cost for land. By taking all the stress off, you would probably retire happily in Panama. Lifestyle also makes you happy which includes your health, family, friends, activities, travel, community and weather.

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