Whew what a weekend! There were 10 year old girls screaming all weekend. Oh yeah I was at my little girls birthday bash all weekend we had fun and here on this misty rainy Monday. I had a few moments to reflect on the past event as I rose in pain early this morning.

More on that in a minute. I really did have a blast. I worked pretty late on Saturday and my daughter, her friends, my wife and my son were all waiting. When i arrived it was late and these girls had tons of “sugar powered energy”. We went till the early hours in the morning.

Then Sunday came along and we did the bowl-a-thon for a couple of hours. These girls had me on three out of the four lanes. I was speed bowling on some rounds when all two or thre lanes lit up with my name. Needless to say last night I was beat. I woke up for an early appointment this morning and felt like a frieght train and I had wrestled around for a couple of hours.

After I finished my morning calls I decided to make a couple of adjustments to my blog and finish up my review of my new friend Chris’s article 2010 the rise of the sophisticated real estate investor. Chris and I met on Facebook several months ago. We have passed a few articles around to one another through various news feed however this particular article really called out to me.

I read the article quickly last week and put the post out to you this week. I really enjoyed reading the article for a second time. Chris provides many tools and resources for you as a real estate investor to weight to use for your arsenal. Having this type of knowledge and education availability is infinately rewarding and extremely valuable.

Chris and I are looking into creating some new ventures. I will definitely keep you posted. In fact I will be featuring this articles tools and others in some upcoming posts. For today Monday I am in a work light get ready for the upcoming weeks activities today. you know the planning, organizing and execution of the rest of the week. I have made several great contacts over the past week and now is the time to solidify the new relations and build the trust and other foundational activities that will enable the scalability and growth of the opportunity going ahead.

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“Test results are back and the prognosis doesn’t look good…”

My wife’s Doctor was a nervous wreck after she reviewed her file. We have all taken tests from the Doctors office and stressed over the outcome of the results; usually everything checks out okay, what do you do when they don’t? Surprisingly her Doctor was stunned and frankly a nervous wreck while she was going over the test results with my wife, all the while my wife took the news ever so calmly. The Doctor was so stunned that she had to repeat that fact of my wifes calmness several times during the visit.

You can see the comedy in the statement above, the parallel of the Doctor being the wreck, while my beloved stays calm during the whole office visit. Yet as soon as my wife got home to tell me the disturbing news she started to unravel at the seams.

The Doctor’s reaction was rather unsettling for my gal. So this really got me thinking about the long term consequences of being financially unstable and the long term residual effects on your mind, your body and your spirit. We all know that eating the right foods seems more costly when you look at the up front costs. Have you ever considered what the back end long term costs on your wallet, not to mention your body and spirit. Living healthy is just as key to creating wealth and financial security in your life as managing your body.

Think about the state of our current health care system, the rising costs of medical coverage, insurance and medical treatment. Our state governed programs are maxed out with patients and stretched for funding at all levels. It’s not designed to handle the mass group of uninsured citizens of our great nation. The Doctors are taxed to the max with patients and many have no patience for people who neglect or defiantly treat their body with abuse.

Back to my topic neglect is abuse and I am sure that you have received a nudge or two from your primary care physician, possibly your dentist has mentioned a thing or two about your hygiene? Regardless avoiding the infection, symptom(s), infections whatever you are dealing with only leads to greater problems and increased risk of terminal illness.

Yes I said terminal illness, or you have the option to face the issue at hand and make a conscientious decision to address them at all costs no matter what lengths you have to go for. Otherwise you have made the choice to take on a life sentence of undesirable circumstances. The word is out on the street and you know exactly what you must do.

It’s entirely up to you on how to make a change, fortunately for you, your biggest challenge in front of you doesn’t have to depend upon just you alone. A simple team has been assembled for you, to provide you with support, advice, guidance and goal achievement. Making the transition doesn’t have to be difficult or painful.

Tackling any type of obstacle always starts with the end in mind, your outcome has to be clearly visualized and accepted before you will ever reach it. I know this now more than ever. Have you ever felt like a much needed change just wasn’t happening for you? Well ask yourself did you clearly see the end result, did you give the appropriate attention to the planning and organization of your required activities? Did you measure the results you were getting? How did they compare to your original projections, what could have been improved on?

I bring this up to you only because the news my wife’s Doctor gave her was shocking, now Teri has to make the same decision about her own condition that you have to make to take control, own her life with clarity, focus and vision. Funny thing was that the motivation factor wasn’t he news about test results it was the treatment. As soon as her Doctor said you have to take injections for life Teri looked up and firmly stated “what other options do I have?”

The fear of having to physically take insulin injections to control her diabetes was alarming, so her Doctor gave her a time line to make dramatic improvements or the only alternative was her injection recommendation. So in the end what does all of this have to say about you and your current circumstances?

Simply put you need to get involved in your financial affairs, it’s a proven fact that proper medical attention and monitoring are critical to your overall wellness factor, lack of money and reserves can become a problem if you don’t have the means to take care of your self. Your future retirement money not safe either. You didn’t just save money to pay for medical bills and Doctor visits. So in light of this profound idea and shift in thinking thanks to a good friend I recently connected with I have decided to make this exam painless to you and your pocketbook. Over the next two weeks I am setting up your diagnostic exam center fully equipped with the latest state of the art equipment.

Recent legislation has passed that will eliminate many of the unscrupulous characters currently posing as so called experts for financial hardships, loan modification consultants, credit repair services, debt settlement companies and all of the other take your money and provide you with no measurable results.

The office is open even during the construction phase I will have a general admission and registration page up by Saturday at the latest. Those of you who are seriously buried in debt, experiencing late payments, facing impending foreclosure or bankruptcy; those of you who have fallen victim to the crisis at hand with sudden job loss, diminishing pensions and retirement accounts there are solutions for you.

Solutions that can and will provide you with clearly outlined, manageable plans that are backed with legal advice and protection designed to give you the patient/client the ultimate experience in customer satisfaction. As the separate departments come on line you will be updated. Most people go through life with rose colored lenses on, ignoring the warning signs until it’s too late.

I know my wife doesn’t want to deal with the possible outcome of ignoring her situation, I also know you don’t want to deal with your health, your financial management, or your wealth creation choices without proper advice and input. Running down the road not looking for indications of measurement in improvement in your circumstances is like driving down the road with blinders on. You’re eventually going to crash.

Why not research, review and monitor your symptoms now and act on advice from trusted professionals to guide you in your healing process. You don’t need to do this alone.

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Imagine owning your very own telecommunication Company without actually having to run it. It was so eloquently mentioned by Dell CEO Michael Dell; “Content, Commerce & Community.” Let me back up here for just a second. I was discussing social media topics with a friend of mine. He mentioned this concept by Michael Dell. So let me try to layout our conversation to make sense of where I am going with this.I say; “Whoever can provide the best content to their readers for value and benefit of their products and services will have the platform to establish commerce; whoever can provide the atmosphere, enticement, comfort will provide a platform for community.” “ Who ever combines these three critical components together will be the winning innovator in business.

First you establish a presence for your reader to reach your targeted audience, this is easy everyone knows you need marketing collateral to reach out with your brand. This again established a platform for commerce to take place; however the most important piece of the puzzle isn’t in this one way line of communication.

The Community Involvement

It’s the community of people who are both your raving, loyal fans, it’s also your first time prospects, window shoppers, first time customers and their valued feedback and opinions. Without that critical key input no one would truly have the capability to understand their target customers who keep people coming back time after time. They feel respected and valued while knowing that their voices will be heard.

I know the difference first hand with a company who is customer centric and one who is not. I don’t pitch product everyday like a good marketer, Instead I feel that value comes from knowledge and that knowledge will take people to higher levels of awareness as well as new found consciousness .Money is a difficult idea to fathom, it’s complexities are deep rooted and entangled in a web of debt, liens, over extensions etc. It’s a freaking night mare.

I like to keep it simple, do you?

Keep it simple and answer me these three questions…

1. Are you interested in saving more money?

2. Are you interested in creating more wealth?

3. Why aren’t you taking the advice that has been given to you and placing it into ACTION?

I’ll tell you why you’re paralyzed by the system, in fear of what’s going on in our economy? Takre a deep breath, you will be just fine. You know how I know? I thought you’d remember…

So back to this whole phone, Michael Dell scenario, my customer centric view and these questions, what do they have to do with social media, making money etc. I want to show you a way to reduce your monthly telecom needs by looking at your same service provider the same way but with a twist. I’ve talked about the phone for several weeks, here’s the coolest part.

Simply as a customer for a one time fee you have the ability to resell airtime to your friends family etc. Here’s a great scenario. You have your account and inside of that account is a call center where you can actually buy and sell bulk airtime and you can mark it up as you wish.

This is just as a customer how powerful is that? You have a small business without having to put out a ton of money. The more airtime you start selling the more you can make. You also have the option of starting as a business owner and having the full ability and access to resell all of the telecom packages we provide.

My point is simple you can literally set up your basic account for a one time fee of $20.00 and be in the airtime business in less than one hour, not even any equipment to buy. Just simply get up and running in seconds. With the newest design of our award winning X-LITE Desktop Application,

Here’s the key to all success, online, offline and interpersonal relationships. Communication, if you live in the fast paced, ready to respond to any inquisitive visitor within seconds notice whether that be via the web on a site such as facebook, your blog, your online support forum with nstant chat, maybe you’re handling many clients on the phone as well you’re busy putting out fires.

You need reliability, functionality as well as the most important part of your effort to assist. The clarity in communication. Without these essentials you’re loosing customers and recognition. So back to being clear and heard we want to hear you. I have a personal goal of helping literally thousands of people save more and create more in their lives. When was the last time a company paid you just for doing something you’ve always done?

You see we have provided you the tools to save money, we’ve provided you the tools to make money, now these partnerships that have been created are going to give back to you in a way you have never seen before. We want a community of enthusiast and skeptical people to come together and experience the true power of life changing thinking. We not only want your life on it’s way to recovery and fulfillment, we want to get you off to a fast start in getting your return on investment.

As you remember I started this community with the sole purpose of gaining like minded people to be heard. Again community is the one voice that stands together to support growth and change. More importantly community builds strength, and eternal goodwill. I Ryan Wegman here do pledge to bring you the ultimate experience for creating awesome change in your life and your wallet.

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You know when you hit that brick wall and you feel stuck. Everything that you do seem like it has impact or bearing on your goal achievement. That moment when you feel like you’re stuck in a mud puddle and can’t gain any traction or forward momentum?

You move left, right, you exert upward force or downward pressure; yet there just isn’t anything that seems to be working. Everything seems to be working against you. You need to focus harder than ever before when you hit these pot holes and time constraints. You need to muster up the courage and strength to keep pushing and moving with your momentum.

This is when the “big bang theory” happens; it’s like pushing a car that’s run out of gas. You’re feet are digging in to the ground, your muscles are all bulging from the enormous amount of energy you are mustering up to get the car moving just a little bit.

Then you start to feel your efforts beginning to take shape as the car starts to move slowly down the road. Now you are starting to gain a little bit of speed and momentum with the car which moves you closer to the point where momentum is almost effortless to keep the forward motion going.

This analogy is exactly the same as your business building and wealth creation efforts start. You have to muster up the courage, strength and energy to keep pushing. As I stated you’re arriving at the breaking point. More commonly known as the tipping point where all of your efforts start to take shape right in front of you.

The cup runneth over, and flows abundantly. You hit the point of breaking the atmosphere, your ship is out of the atmosphere and orbiting the planet. All the while you feel as if you’ve been beaten down, broken spirits and nothing seems worth all of the energy and sacrifice you have put into your goals. It seems that you are wasting time and energy on a goal that seems so far away and unreachable.

This is the power of big thinking, the very thinking that got you started on your path to prosperity in the first place. Why feel frustrated when you know in the back of your mind you’re approaching the tipping point. That stage of acceleration where life meets possibility, and procrastination takes second to anything you have that may seem to be an obstacle or potential distraction.

You have to retain your clarity and focus at these particular cross roads or you will definitely be blindsided when you least expect it. Like a freight train smashing into a semi-truck stuck on the tracks. You have to be aware and present to make things happen in your life. Get ready, set and go go go towards your dreams and visions of an ultimate lifestyle.

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It wasn’t too long ago when I started writing about social media and creating a movement, a paradigm shift in thought and actions of others. It hadn’t dawned how predominate of a social movement is already underway. We see charities, acts for legislation and reform, green communities, niched social platforms.

However the one social movement that I see really taking shape is the act of social lending. What exactly is social lending? It’s simply a group of like minded investors making a positive shift to correct the missing gap in our current financial markets.

Using the power of peer to peer networks and spreading the diversity of risk across small micro loans the investor once again takes the position of the bank. At the very same time the exposure to defaults are reduced since investors pool monies together and diversify across many transactions versus being the entire lender on one transaction.

Most of these networks use unsecured lending as their revenue platform. Short 1 to 3 year terms with interest rates just over 7% and up to 23% being the average. Sure the same restrictions apply, deal structure, credit rating, lender approval, the biggest differences are speed of execution, personalized deal structuring and minimized lending amounts to keep the system stable.

I found a couple of articles on these subjects and I thought that these would appropriately discuss both the positives and negatives of this emerging social culture of investors. The impact on the lending industry as well as the long term evolution of this new and exciting marketplace.

The first article I found is titled “Social Lending Networks, New Alternative to Banks” written by LAURA MARQUEZ

Next we head on over to “Guide to Social Lending Networks” written on the bargain engineering blog.

Lastly we take a look at the impact of social networking to see the disruption of our current lending system.  “Social Networks Disrupting Money Lending”"

After you spend a few minutes learning and understanding all about the topic at hand take a look and see how these social networks diversify their lending courtesy of http://www.sociallending.net/

Social Lending Graph of Diversification

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