So what does this have to do with my husband? Well, he’s always saying that if “we” didn’t have to eat and buy groceries, we’d save a lot of money. Right? I’d say so and there’s only two of us.

Anyway a friend of ours who lives in Oklahoma shared with us her business by a simple question that made all the sense in the world… “would you like to ELIMINATE YOUR GROCERY BILL?”

Hello, hella ya! Did I mention hubby saying if we didn’t have to eat we’d save tons of money!

All he did was follow her lead and step by step we are now ELIMINATING OUR GROCERY BILL. We went to the website and are now in business. In business with a friend to help our friends ELIMINATE THEIR GROCERY BILLS. Not only groceries for free but also prescriptions and gas too!

Some people may only want to get their groceries, prescriptions and gas without spending their hard earned money but if you WATCH this short video (less than 10mins) you may see a “SUPER WalMart”.

Come back for a second look like hubby did and then go to: http://www.mpbtoday.com/thematrix
Happy Shopping

This past March, when my husband and I loaded up the RV and headed out of California to explore the Pacific Northwest, we vowed to get outdoors more often and at least walk each day.  Now we weren’t couch potatoes, we used to walk the dogs when we lived in our home in “suburbia”, but it was just around the block to go get the mail from the neighborhood mailbox.  I actually think the dogs could have gone around the block themselves, but they couldn’t master the mailbox key too well.

So now that we’ve been “hooked up” here in the Puget Sound area since the beginning of May, we have kept to our promise of walking on a daily basis.  It started out with a stroll up and down the road.  The area is pretty secluded and the road is lined with tall pines on each side and private roads lead in and out to beautiful residences down on the waterfront.  I found I could walk for miles, well 3, and be feeling okay.  My husband said I should be feeling okay since we normally walk an entire golf course.  But this was different, it was just walking and enjoying the view.

And then I decided to take it up a notch… I was determined that how to stay healthy was to start jogging!  Not too fast, not too long, maybe a combo jog walk to start.  Now I was cookin’.  Two whole weeks of jog walking.  Still 3 miles, but I could feel my clothes loosening up and I noticed my posture straightening.  I was feeling great.

I made up mind that I was ready to join my “running” girlfriend for a 5 mile trek.  I was literally off and running.  She of course was leading the pack.  How to stay healthy was going to be a breeze…or so I thought!

Having to work for a living, still, I found myself preoccupied on my way to the Airport shuttle one morning and that’s when it happened. A tweak in the knee. IT WAS ONLY A JAUNT! I don’t know when, don’t know how but there it was. If I hadn’t forgot my lunch in my car I could be running miles by now. (maybe 5)

It’s been a full two months now, August is right around the corner and I am tired of not being able to walk the golf course with my husband let alone just enjoy a great walk around the park. It does seem to be getting better however and it looks like I’ll be up and running in no time. I hope.

Moral of the story? Don’t forget your lunch, you never know what can happen.

We’ve been using the Money Merge Account Software System since 2007 and we are on our way to be debt free, mortgage free faster than we could have ever thought. Right now we’re enjoying our lives living in our 40 foot motorhome on Puget Sound. We couldn’t have done this without the Money Merge Account program and United First Financial.

Sneaky GMAC

I’ve been seeing TV ads for this new bank “Ally Bank” but it’s just GMAC. The GMAC Financial Services has given up on the GMAC reputation and is changing it’s name to Ally Bank. Seems to me the “No Sneaky” Disclaimers doesn’t pertain to them. The “high” interest rate they are advertising for savings accounts and CD’s must be driving them business otherwise they wouldn’t have gone with the name change. Sneaky aren’t they?

If I could find a way to not use any bank I would, but until then I’ll continue to pay off all my debt with the help of our Money Merge Account Software and pay it all off as fast as I can and then look for that alternative bank.  Maybe I’ll open up my own bank?

Dreams Do Come True

Thirteen years ago when we first moved from Hawaii to California, our dream was to buy an RV and live in it and enjoy the entire US.  Well, we recently did it!  We downsized from our 2300 sq ft home into our 400+ sq ft Motorhome.  Why it took us 13 years?  As the saying goes, “Life gets in the way”. (personally, I think it’s having a J.O.B.)

Last spring we made it our goal to find the best RV to our liking.  We knew back in 1996 which coach would have been the “one”, but that RV was now too old.  What we did realize by waiting (justification) was that technology in the travel trailer industry was now up to speed.

We’ve had a business from home since 1990 (we learned you get lots of tax advantages early on) and we were both interested in making sure we could still work from the motorhome.  Our (my) biggest concern was internet access.  We found out that most RV parks had free WiFi, (that took care of my addiction) and since we both have cell phones, no landline was needed.   Along with the WiFi and phone connections, we are pleased to know that cable is available at most parks for our TV needs and if not we have our satellite dish.  So it’s business as usual, just now it’s on wheels.

Although, we’ve only been in the coach full-time now for a month, I could not be happier with our decision.  I know it’s taken me away from focusing on my business, but it’s been worth it.   I have to remind myself that I’m not on a vacation everyday, even though that’s how it feels, and I’m now settling into a routine for our United First business to become our number one goal.

Following our desire to control our destiny led us to find United First Financial and without the Money Merge Account and UDeduct we probably would still be dreaming of  living in our RV.  Making the right financial decisions with the help of our personal financial “GPS” now let’s us live our dream in full color.

This morning before I jumped on the airplane, I was surfing the web and becuase I’m an addict and I found this new application by Citrix. 

GoView ~ You can send (email) a quick presentation to a friend who needs help with an application, or build content that’s intended for a larger audience. 

Currently I use GoToMeeting and GoToWebinar by Citrix to explain my business with United First Financial to clients and asssociates, and I can see how this will help me in keeping in front of them even more efficiently and effectively.  Sometimes sending a text email  just doesn’t cut it and a short screenshot or video to explain something I know will come in very handy.  Right now with U1st our Bizpack Business in a box has GoToMeeting and GoToWebinar, but I hope that in the near future GoView will be added.  In the meantime, I’ll see how I can demo the product on my own.

Veterinarians, who’s training and licensing is as rigorous as that of MDs will now have their care taxed as though they were dispensing canned goods.

And the cost of surgeries, neutering, etc. is high and an additional 9% will discourage many from giving their pet care.

If you oppose this tax on all veterinary services, the following information is for you. It only takes a few seconds, pushing some telephone buttons -

you don’t even have to talk to anyone.

Please call the governor’s office and make it known that balancing the budget at the expense of our pets’ health is not acceptable!!!

It only takes about 20 seconds because it’s all automated.

Subject: No veterinary tax in California, please!

Call 916-445-2841
Press 1 for English.

Press 5 for the veterinary tax proposal.

It will ask you to press 1 if you’re calling about the veterinary tax proposal,

so press 1.

Then press 2 to oppose the tax

Please forward to others. Thanks.

This only takes 5 seconds - you can punch the numbers one after the other.
Say NO to taxes on our vet services!

(916) 445-2841: then, 1 - 5 - 1 - 2

I’ve been reading Success Magazine for the last 4 or 5 months and it’s had me thinking about how long I’ve enjoyed direct selling over the last 20 years.  It’s been great first of all and I would suggest that when you find a product or service you like, that you research the company and see how you could become your own boss.

For most people who have had a desire to get out of the rat race and be their own boss, direct selling has been the lifeline they were looking for.   For the others, it takes too much energy and effort and they’d rather keep living paycheck to paycheck.  I’m not saying it’s for everyone, but it beats the J.O.B (Just Over Broke), and lately the threat of unemployment.

Listed here are my personal reasons for diving into direct selling so many years ago.

I Am My Own Boss

I set my own schedule, vacation when I want, I give myself a pay raise and I am in control.

I Get Way More Tax Benefits

Because I work from home and have a “home-based business”, I am entitled to tax deductions I would not normally be entitled to.  I get to write off a portion or percentage of my utilities on my home, office supplies, the mileage on my car (keep good records) and other expenses dedicated to my home office.  Internet, phone and fax line, cell phone, there are so many tax deductions to consider that I encourage you to consult your CPA or tax consultant.  You could also check United First Financial’s new product called BizPack.  It includes the Udeduct system for business owners to optimize the business deductions each are entitled to.

I Have Friends All Over The World

Although I’ve traveled on vacation to different parts of the world, it has been more fun traveling to meet up with friends that I have met through business.  Direct selling is all about building relationships and once you find your niche, you find like minded people everywhere.  Some become your customers, some become your team members and most become your friends.

I Save Time And Money

Little did I realize 20 years ago that I would be drawn into direct selling.  It’s not really selling when you’re just sharing with people you know.  But that’s what direct selling is.  I found myself buying products (perfume, cosmetics, vitamins, etc) from friends I worked with because it was convenient to buy from them and it was saving me money.  Back then I would call to order or reorder and they would deliver or mail directly to me.  Of course now days it’s even easier with the internet and an online presence.  Today all ordering, processing and payments are available 24/7 from a website.  I became a recurring customer to many direct sellers and enjoyed becoming a direct seller myself for more savings.

I Am Compensated For The Effort I Put In

Direct selling is work.  All the education and training I have under my belt however has paid off.  There is a learning curve when you start out in direct selling just like any other career but once you find the passion within you, there really is nothing to hold you back.  If you want it bad enough and you have set your goals in front of you, just like you do to climb the corporate ladder, all that’s left is to plug into the system, find a mentor to follow and keep plugging away.  For your own efforts you will be compensated greatly, but once  you understand the value of building a team your income increases significantly.  Think Compounded Interest!

I’d like to say that every direct selling business I’ve been associated with has been a successful endeavor, but I can’t.  But what I learned from my past experiences is that I was educating myself along the way for the right company to come along.  I know I’ve found it with United First Financial and I hope you do too.   

Become a part of United First Financial

Right now we have a pre-launch window of opportunity for anyone looking to build a direct selling business.  There are no fees or costs to PreRegister and you will instantly receive your personal replicated website.  Our one time BizPack activation fee and BizPack Agent registration fees are waived during this pre-launch phase.

You are unlimited to the number of members you can add to your team and you have all the benefits of building a significant residual income by building your business now before we even launch.

This is costing you nothing to get your feet wet in the direct selling industry.  Are you still worried about being unemployed?  If you are, think about the other hundreds of people losing their jobs.  How many do you know and how many can you help?

If your financial picture is not changing then change your direction.  Be a part of this growing industry.  Register here and secure your spot  Click Here to PreRegister for the BizPack

Are you still employed?

Below is an email I received and I thought if I just send it out to my email list, it could take awhile before it gets around to those of us who care to make a difference.  I searched for a site to link to Jerry, but unfortunately  couldn’t find it.  I’ll keep trying.  Thanks Jerry Shambaugh for your Proposal, your ideas and your desire to turn the US around.

The Proposal:
When a company falls on difficult times, one of the things that seems to happen is they reduce their staff and workers. The remaining workers need to find ways to continue to do a good job or risk that their job would be eliminated as well. Wall street and the media normally congratulate the CEO for making this type of “tough decision”, and his board of directors gives him a big bonus.

Our government should not be immune from similar risks.

Therefore: Reduce the House of Representatives from the current 435 members to
218 members and Senate members from 100 to 50. Also reduce their remaining staff by 25%.

Accomplish this over the next 8 years. (two steps / two elections) and of course this would require some redistricting.

Some yearly cost reductions would include:

$44m for elimination of base pay for congress. (267 members X $165k pay / member / yr.)

$97m for elimination of the above people’s staff. (estimate $1.3m in staff per each member of the House, and $3m in staff per each member of the Senate every year)

$241m for the reduction in remaining staff by 25%.

$7.5B reduction in pork barrel ear-marks each year (those members whose jobs are gone. Current estimates for total government pork earmarks are at $15B / yr)

The remaining representatives would need to work smarter and would need to improve efficiencies. It might even be in their best interests to work together for the good of our country ??????

We may also expect that smaller committees might lead to a more efficient resolution of issues as well. It might even be easier to keep track of what your representative is doing.

Congress has more tools available to do their jobs than it had back in
1911 when the current number of representatives was established (telephone, computers, cell phones to name a few)

Note:
Congress did not hesitate to head home when it was a holiday, when the nation needed a real fix to the economic problems. Also, we have 3 senators that have not been doing their jobs for the past 18+ months (on the campaign trail) and still, they all have been accepting full pay. These facts alone support a reduction in senators and congress.

Summary of opportunity:

$ 44m reduction of congress members.

$282m for elimination of the reduced house member staff.

$150m for elimination of reduced senate member staff.

$59.6m for 25% reduction of staff for remaining house members.

$37.5m for 25% reduction of staff for remaining senate members.

$7.5B reduction in pork added to bills by the reduction of congress members.

$8,074m per year, estimated total savings.

Big business does these types of cuts all the time.

If Congresspersons were required to serve 20, 25 or 30 years (like everyone else) in order to collect retirement benefits there is no telling how much we would save. Now they get full retirement after serving only ONE term.

IF you are happy how the Congress spends our taxes, ignore this message. IF you are not happy, then I assume you know what to do.  Comments are welcome, it’s good to know you care.

What Changes will you make?

I made it a point not to go to my J.O.B. today so that I could watch the Obama Inauguration coverage live on TV and I’m glad I did.  I know I could have just watched videos of the Inauguration online over the next couple of days, however I just don’t think it would have been the same.  History was made the day Obama won the Presidential election in November, but this too was History in the making.  I personally never thought I’d see the day the American people would elect a non-white President.  But, things are a changin’.

I’ve been reflecting throughout the day on President Obama’s speech and how his words will affect my life and blogging this short message I can see that it already has.  I watched Our President take his Oath to LEAD our Country and it gives me hope that I too can LEAD.  His commitment to all of us is enormous and will be full of challenges and every day he will make decisions large and small to keep the United States safe and prosperous.

My Oath to LEAD.  It maybe not the same as the Presidents Oath, but nevertheless it’s a commitment to my business with United First Financial and those families and individuals that I have recently touched.  A commitment to continue to show as many people as possible how easy it is to truly live a debt free life and to focus only on that goal.  “Keeping up with the Jones’” can no longer be our motto considering it has only gotten our entire country in debt.

As President Obama takes the helm and begins his first term with an economy that he, WE, must turn around, I take my pledge here and now to be a part of positive progress and teach others how they too can make simple and small steps in the right direction and dig out of the hole we are currently burried in.

With that said, I WANT YOU if you want an opportunity to be a part of the crusade!  Let us help President Obama LEAD this Country out of debt.  I’ll do it one at a time, but we can do it faster together as a Team.

p.s.  I have a J.O.B. because I am a slave to a paycheck, but this is not how I want to live my life.  I am making changes right now with United First Financial because it’s a system that works based on just math.  It’s the education we should have gotten in school, but as they say “better late than never”.