31 May 2013

I Wish.......

One day, when I reached home from office, very late in the evening, tired and irritated, my son walked up to me and asked very sweetly, “Dad, how  much do you earn?” I found this extremely silly, and so I did not reply. He continued to stand there silently, watching me unpack and change my dress. Then, again he asked, “Dad, how much do you earn per hour in the office?” This question really pissed me off, and I shot back at him in a loud voice, “That’s none of your business. Now off to bed you go so that you wake up on time for tomorrow’s school.”

Immediately sadness descended on his face and he quickly turned away to probably hide it from me, and ran off to his room. I did sense this feeling, but shrugged it off. However, my conscience kept pricking me. I had my mind immediately flooded with thoughts like, ‘poor child, he’s been waiting to talk to me for the whole day and I just shooed him away while he tried to strike a conversation’, ‘he was not asking for heaven, he was just being inquisitive and I should have simply answered ’ and many more on the similar lines.

I felt heart broken, and decided to make amends. So, I walked over to his room. His face on the pillow was facing away from the door. I sat down, and touched the pillow. It was moist. The poor fellow was crying, and that made me feel even worse. And the moment I placed my hand on his head, he started to cry even more. I rolled him over and picked him up in my arms and hugged him. I felt extremely bad and angry at myself at this point of time.

With a little consoling, I calmed him down and he stopped crying, probably after feeling the warmth of affection. And, then I said, “Son, I am sorry. I should not have behaved in the manner I did, and then hurt you.” He replied, “It’s okay Papa”. Then to steer away, I engaged him in other talks related to his school and other activities during the day. He soon became normal and I could see the smile returning to his face. Then I told him that I need to go and prepare for next day.

The moment I stood up, he very innocently asked once again, “Papa, how much do you earn per hour?” For a moment, my fuze blew off and in a flash I was angry at him within for asking that silly question again, but somehow managed to retain composure. After taking a few deep breaths and moments of silence, all the while when he kept looking at me, I said, “Why do you ask, son?”

“Just tell me Papa”, he replied.

“Five hundred rupees”, I said.

“Can you please give me one hundred rupees”, he requested sweetly with a glint in his eyes.

“Sure”, I said, and took out my wallet and gave him a crisp one hundred rupee note.

He became very happy and excited on receiving it from me. He quickly got down from the bed and rushed to his study table. He opened the drawer and pulled out an old pencil box and returned to the bed and sat in front of me. And then, when he opened the pencil box, twisted and crumpled notes of denominations of 50, 20, 10 and 5 fell out of it.

While he became busy in arranging them, my anger suddenly shot up. “So, this is what the brat has been upto. Collecting money with flimsy excuses”.

And then even before I could snap at him, he extended his arm towards me with all the notes neatly collected in his hand, and said with a very innocent sweet smile, “Dad, here are five hundred rupees. Can  you please give me an hour of yours tomorrow, as I want to play with you, something which we haven’t done for months now”.

And, then the obvious happened. I cried inconsolably.

No, this really did not happen with me. It is actually an adaptation of a email which I had received quite some time back. However, it is quite probable that is waiting to happen with very many of us.

I WISH…………..this does NOT happen with you.

                                                      *****

I have this friend who worked for a particular big corporate company at Gurgaon. He was on a very important position and earning well. Unfortunately his aged father, who stays at Chandigarh, got unwell. He had to therefore take some leave and rush to attend to his father. The ailment was treated and his father recovered. However, there was  a requirement of prolonged hospitalization of his father, for which the presence of my friend  was essential at Chandigarh. His aged mother would not be able to manage this crisis alone, and there were no siblings or close relatives to fall back upon.

He brought this to the notice of his bosses in the company, and requested for permission for a little more absence. The reluctance from their side was evident, however they granted him two more weeks. Sadly, the hospitalization was to be for about a month.

So, just before two weeks were to end, he again approached his boss, with a request for another two weeks leave.

“Please find yourself another JOB”, was the curt reply he received through the Secretary of his boss.  

I WISH…………..this does NOT happen with you.
                                                      
*****
Neetu is the name of my wife’s friend. She is the mother of a cute seven year old child. While her husband works for a flagship company, she also goes to teach in a reputed school. Both of them earn handsomely and stay in a rented bungalow.

It happened on a particular second Saturday of a month. On this day, the periodic Parents-Teacher Meet was scheduled in her school. When the family woke up in the morning, the parents realized that Rahul (their son) was quite unwell with severe throat infection and high fever 101 degrees centigrade. She was in no position to miss her school because of the PTM. So, she asked her husband to take leave and stay back at home to look after Rahul. However, he too was not in a position to do so as he had to attend an extremely important business meeting with a client from China.

Left with no option, she rang up one of her doctor friend and enquired about the medicines which could be given to Rahul. Fortunately she had those medicines available at home. She then gave those medicines to Rahul, comforted him and guided him before leaving for school. Her husband had already left for his office and poor boy Rahul was left all alone to fend for himself at the home. Luckily, Rahul was already getting used to such situations and was mentally prepared for it, which may not be the case with every child.

She did go over the formalities of the PTM at her school, but all this while her heart and mind were worried about the well being of Rahul. With God’s grace the situation did not deteriorate  an d the fever had come down by the time she returned from school.

I WISH…………..this does NOT happen with you.

                                                      *****
I have this good friend, who’s doing extremely well in life. He is financially well off, owing to the income which he had from his  small business unit engaged in manufacturing. He had no business partners and this  factory was the outcome of his dedicated hard work and toil, which he managed independently.

He is particularly careful about his health and loves to exercise regularly. Unfortunately, one day while doing a household chore and in the process of lifting some heavy weight, he severely strained his back and suffered a slip disc in the backbone.

The pain was debilitating and he was bed ridden for a very long time, during which he had to undergo regular physiotherapy treatment for relief from the problem. This led to his continuous absence from his business unit and the production began to suffer. It became extremely difficult to manage the daily functioning of the unit and also to attend to the aspects related with the workers. Somehow it got managed for little less than two months, but thereafter it became extremely impossible. His brothers provided him the support they could, but it did not work out. The workers at the unit began to leave and the work was on the verge of a standstill.

Finally, he decided to shut it down completely, as it was impossible for the work to progress without his physical presence at the business unit premises. He suffered financial setback in the process, but luckily he was able to convert the premises into a ware house and give it on lease to a few companies, and the losses could be minimized.

I WISH…………..this does NOT happen with you.


                                                      *****


Abhishek is a good friend of mine. We took pre-mature retirement from the Army nearly about the same time. While I had to move to a far off place down South to find a job, he was comparatively luckier as he found a good job in New Delhi itself. He could now stay with his aged parents and take care of them. His wife also picked up a good job and her income supplemented their earning to maintain a desired standard of living in the capital city.


He lost his mother a year back. His father was able to overcome this grief in a few months and adjusted to the lonely life, waiting for everyone to fall back home from school and office. Sadly, his father has now started showing signs of early stage of Alzheimer’s disease. This is the time when he needs complete support of a caregiver, the best being someone from the family. However, the dilemma is completely killing for my friend Abhishek. He and his wife are at important juncture of their respective careers, and none can afford to let it go. I feel extremely pained when we meet and find this dilemma quite evident in his daily life and body language, and his often expressed desire for time and financial freedom.

I WISH…..this does not happen with you.
*****
‘He’ is younger to me, but not in the J.O.B. (Just Over Broke) cycle. He has already built his pipeline of wealth through this excellent opportunity.

He gets up early in the morning (does he still have to!!!), does his prayers and then settles down to enjoy a cup of tea in the company of his wife in the balcony of their house, while his pet Dalmatian runs around in the garden.

Then, he takes his dog for a walk, and at the same time sees off his son in the school bus.

Leaves the dog at home thereafter and off he goes to gym for an hour long sweat out.

Returns to home, freshens up, and enjoys a healthy breakfast at peace with his wife, who in the meanwhile has been through her yoga session.

After a little while, having attended to his mails and other important household chores, goes to spend time with his parents, who stay in the same colony, but in a separate house. Helps them with their requirements, enjoys some refreshments with them and returns about two hours later.

Gets into his Skoda Octavia, and off he goes to his music teacher. Yes, he is passionately into learning what he always dreamed about. Playing a saxophone!!! Returns after about an hour.

Spends quality and quantity time with his wife, before lunch, who’s trying to master her painting techniques.

Takes a small siesta, and then he is waiting at the entry gate of the colony, to receive his son back from school.

The complete family takes an hour’s nap after their son finishes lunch. Then it is homework time for the son for two hours, assisted by his wife, and he either attends to his prospects explaining them the benefits of this opportunity, or is busy enhancing his knowledge through books or other AV media.

Once done with that, the wife goes for her evening walk, and he and his son are off to play cricket/badminton/tennis/table tennis or swimming, at facilities already available in their colony.

And, thereafter the family get together happens at his parent’s house over the evening tea.

Back home, the child is busy with TV or other toys, wife gets busy in the kitchen, and he with his evening prayers.

Post dinner, the family sometimes watches TV together, or play some board game, and enjoy the mutual company. On alternate days, they take an evening walk in the colony.

This is normal daily schedule.

Apart from that, he manages to take his complete family (including his parents) for family vacations either in India or abroad twice a year. He plans his holidays well……as he has no one bossing over him and waiting to disrupt his schedule. He is always available to his parents, be it for any minor household chore or something important like their periodic medical check ups.

On weekends, the family is usually enjoying a movie together, or an outing in a resort close by, or enjoying watching a play or other artistic performance, or calling on family and friends.

On Sundays, the family goes to attend their religious congregation, and thereafter for some charitable activities (which he much prefers not discussing).

A very down to earth man, a very jovial and cordial family, and without a hint of show off or ugly display of wealth. Hat’s off to my friend….he is a smart guy…..who has already ensured that a firm foundation is laid for his son…..and that the son will not only be able to pursue his dreams and hobbies/likings, but will also be available to his parents like a big happy FAMILY.

What a healthy life style……. NO stress…..NO worries……. complete time and financial freedom.

I WISH……. THIS HAPPENS WITH YOU (and in quick time with me too……. well, I’m already half way up there).

Amen.
 

21 May 2013

Winning Ways......with QNet

It's really incredible. QNet, again surprising us with newer opportunities to stay WINNERS. The latest being the 'RSP Photo of the Week' contest.

C'mon.....let's put on our best foot forward......and stay winners.

The details of the contest are as follows:

*****

RSP PHOTO OF THE WEEK CONTEST!
Love Amezcua E-Guard?
Love Olé?
Love Adiva Divine?
Show us your RSP love for a chance to WIN a prize!

QNET brings you an easy way to show your LOVE for RSP – simply join the RSP “PHOTO OF THE WEEK” Contest! (Terms & Conditions Apply)

Send us (contest@qnet.net) a photo of yourself posing with at least ONE QNET REPEAT SALES PRODUCT with a caption stating WHY you love the products in your photo, and you get a chance to WIN an exclusive RSP product!

Each week from all the photo entries QNET will select the PHOTO OF THE WEEK to be featured on our QNET Official Facebook Page(s) every WEDNESDAY and the owner of the PHOTO OF THE WEEK will get A FABULOUS PRIZE!

It’s super fun, simply and easy! 

YOU + RSP Product + WHY = Chance to win an exclusive RSP Product.

Photo entries will only accepted until 11th June 2013. The last winner announcement will be on 12th June 2013. 

How to enter?
• Send us photo of yourself posing with at least one QNET REPEAT SALES PRODUCT & provide a caption stating WHY you love the product/s. Please ensure that the product(s) and you are clearly visible. There is no limitation of how many photos you can send to us. More photos means more chances of winning! 
• Include your full name, IRID, and the email address you have registered to your Facebook account.
• Email the photo, caption and required information to contest@qnet.net

Please note that if there is a region-specific Facebook page for your country, you will have a chance to win via that page. Here are our region specific pages: QNET Egypt Official, QNET India Official, QNET Indonesia Official, QNET Promosyon Pazarlama ve Turizm Limited Ĺžirketi (Official Page), QNET RU Official VKontakte Page. If there is no specific Facebook Page for your country, you will have a chance to win via QNET Official Page.

Timeline:
• QNET PHOTO OF THE WEEK contest will be held weekly from 16 MAY 2013 to 12 June 2013
• Winners will be contacted within one month after 12 June 2013

Terms & Conditions
• To be a contestant, make sure you are a QNET IR and a fan of the QNET Official Facebook Page of your region or country. 
• The photo must be of yourself and clearly identifiable, not an infringement of any copyrighted materials or offensive/indecent material. 
• The photo must have been taken within 6 months from the date of submission.
• We reserve the right to seek indemnification from you in the event that you use the picture of someone else in the contest which causes losses to QNET. 
• If there is more than one (1) person in the photo, we will only judge the person whose IRID is submitted to the contest.
• You must pose with at least one Repeat Sales Product (Adiva Divine jewellery, OlĂ© Olive Leaf Extract, Amezcua E-Guard, Amezcua BioLight, QNET LifeSite, etc) in the photo you submit. 
• The product(s) must be visible in your photo to qualify for the contest.
• Final judging will be based on your photo and caption. 
• We will select winners based on your country of residence registered in our database. For example, if you are from Egypt, you are eligible to win the contest on QNET Egypt Official page & if you are from India, you are eligible to win the contest on QNET India Official Page
• QNET has the right to review and decide if a photograph can be accepted as fit for the QNET Photo of The Week contest, at its sole and absolute discretion without providing any reason thereof.
• By submitting your photo, you authorise QNET to use the photo for the QNET Photo of The Week and other promotional purposes, regardless whether you won any prize from the contest or not.
• Prize cannot be exchanged with cash and is non-transferable and is only available as long as stock last. 
• Entries will only be accepted until 11 June 2013. 

Sample photos here:
http://blog.qnet.net/2013/05/rsp-photo-of-the-week-contest

15 April 2013

Building Blocks For Success in Network Marketing



These days almost everyone is talking about Passive Income Opportunities – the stuff that helps you earn money even while you sleep, dine, watch a movie, vacation – in simple words, earnings that happen even while you are not working at it. To the skeptics, it sounds too good to be true, plain crap and scam to those who are not educated about the concept.

However for those who have tried it (provided those Passive Income Opportunities aren’t SCAM in the first place), Passive income is real and perhaps the ultimate way to achieve greater financial independence, and time freedom as additional bonus. They probably have heard of Robert Kiyosaki’s ‘Cashflow Quadrant’, and read his popular book, ‘Rich Dad, Poor Dad’.

Still, it is extremely essential to understand what it really takes to succeed when joining a Passive Income program. The program is certainly should not be one of the dreaded and avoidable ponzi scheme in the first place, and then it should also have a concrete and workable compensation plan to deliver. So, selecting the right company to get associated with, is of most prime importance. Thereafter, what one needs to focus on is, personal attributes that need to be addressed, developed and monitored to exploit the complete benefit being provided by such opportunities.

So, here are the six personal guides to benefit from Passive Income programs.

Invest Necessary Seed Capital in the Passive Income Program

Since Passive Income Program is a real business – you need to spend money to earn money. Be ready to spare some real cash to get you started. But the beauty of most Passive Income programs is that these are designed for just minimal investments, mostly equivalent to annual expenditure on a family dinner in a respectable hotel once a month. And, actually it may not be an investment, since you do not put in pure cash. It may rather be a product that you purchase for your personal use, or a service that you utilize.

You don’t have to spend more money in most Passive Income programs. The strategy would be to add passive income programs into your existing business once you have made a steady income – which is not necessarily big. This is called adding revenue streams – which will allow you to earn multiple incomes from different revenue sources. Common sense dictates that many small quantities put together can become big, but risks can be kept low.

Have Clearly Defined Goals About Your Passive Income Venture

Joining a passive income program is like starting your own business. You need a business plan. And, you need to define your goals – what are your needs, how you want to achieve them, and what are your skills and experiences that will help you achieve your objectives.

You need to discover your strengths and your weaknesses. You need to set your targets, put dates and deadlines, provide criteria of assessing your performance and understand/mitigate the risks involved.

You can seek help from people who have tried the program, your uplines as well as the downlines, and you can do research online too. Well established programs have things in the right place to ensure adequate training and motivation. Be sure to take active part in them.

Spend Quality Time For The Passive Income Program

You don’t want to start a business and then forget about it would you? You need to spend time – quality time each day of every week to grow your Passive Income business.  Before you start enjoying the fruits of steady passive income, you need to put lots of hard work in it. If you cannot commit yourself to spend time to your business – you should not start it in the first place.

It is essential to appreciate that such successful programs have been tested over a period of time, and the requirements to succeed in it get conveyed through various interactions with the people involved in it. These need to be followed in true letter and spirit.So, do look within before you decide to blame the system for your failure, in case that be.

Believe In The Products/Services That You Will Offer

If you can’t use it, or find it worthless, then you don’t want to offer it to others. It’s just a simple rule of thumb. To be credible, you must be able show people that you are using the Products/Services that you sell. If your Passive Income Program is domain and web hosting, then show people you have a working website using the Passive Income Program that you are promoting. Even if you are not personally using a particular products being offered by your company, you should still have complete knowledge about the products which you wish to promote, and be able to support it with adequate research/literature/testimonials.

While others are saying you can earn money even without a product/service, you should be careful about joining and promoting it as it definitely smells of a Scam from a distance. Believe in the dictum ‘There are no free lunches’.

Do Duplication

Most Passive Income Programs use the Network Marketing as a business model. This allows the ability to distribute earnings or commissions in multi-levels – thus allowing earning revenue from these multi-levels as well.

That is why, in any Passive Income program, the key is to work on few quality potentials rather than running on many “unproductive” leads. You do the grunt work on these few leads, say just two people. When successful, your efforts can be ‘duplicated’ on another set of three people, who in turn can use the same ‘duplication’ method to get two people each.

This is where and how Passive Income is generated. So the question is, can you make two sales and get at least two people to join under you and do the duplication process? If you’re short of friends in this world and cannot find two people – then you’re probably better off working to earn money.

Have Patience In Growing Your Passive Income Earnings

Growing your Passive Income business to generate a steady revenue that can make you dump your JOB (‘Just Over Broke’ for the uninitiated) forever takes time, and lots of patience. Remember that you’ll be in it for the long haul, but commensurate to the efforts put in by you. It will take weeks, months or even a few years before you can enjoy a good revenue. This is why, only those people who opt to remain committed about Passive Income earning, are actually able to exploit it’s full potential and enjoy it’s fruits. “Put in dedicated efforts for four years and earn more than what you would in a job in 40 years”, well this statement has a lot of truth in it.

We all know this!!! Right?? So, where’s the problem in succeeding? It probably is in NOT translating knowledge into ACTION. So, go ahead and JUST DO IT!!!

30 January 2013

The Rich, The Poor, And The Middle Class In Between



Today I found this quote from Kiyosaki on my Facebook wall. It says, “There’s the rich, the poor and the tax payers…..also known as the middle class”.

So simply stated, but a hard hitting fact. I then took some to ponder on this subject, and felt that this middle class considers itself to be most vocal and harbinger of change, however it is also the one which is most afraid of taking risks. It accepts to follow standard practices, desires change but without having to work for it (better if someone else could do it for them), prefers to credit everything to destiny, and with a tendency to ridicule those who try to think and do different in order to break away from the herd. And, traces of these tendencies are even more distinctly visible when the subject relates to money and wealth.

Those were my personal feelings, something which I filtered out from my experiences and from the environment in which I have ‘stayed’ for all my life, so far. However, I needed to also know what others felt on the related subject. So, I turned to the internet for my rescue and started surfing.

I started Googling, with different search words, and reading whatever I came across. Not surprisingly, I came across articles/blogs/book excerpts which echoed my sentiments. One link led to the other and so on, and I finally stumbled upon something which nearly summed up the subject for me.

The first input was received from the book ‘Secrets Of The Millionaire Mind’ written by T Harv Eker. It was a summary of sort of what he writes in his book. Eker believes that we each possess a “financial blueprint”, an internal script that dictates how we relate to money. Our blueprints are created through lifelong exposure to money messages from the people around us, he writes. Unfortunately, Eker says, most of us have faulty blueprints that prevent us from building wealth. Out of context, some of this advice seems glib and facile. However, the article stated that in the said book Eker explains each point, demonstrating how successful people discard limiting beliefs while the unsuccessful succumb to them.

This is what Eker says in his book wherein he lists seventeen ways in which the financial blueprints of the rich differ from those of the poor. According to him:

1. Rich people believe: “I create my life.” Poor people believe: “Life happens to me.”

2. Rich people play the money game to win. Poor people play the money game to not lose.

3. Rich people are committed to being rich. Poor people want to be rich.

4. Rich people think big. Poor people think small.

5. Rich people focus on opportunities. Poor people focus on obstacles.

6. Rich people admire other rich and successful people. Poor people resent rich and successful people.

7. Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people.

8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.

9. Rich people are bigger than their problems. Poor people are smaller than their problems.

10. Rich people are excellent receivers. Poor people are poor receivers.

11. Rich people choose to get paid based on results. Poor people choose to get paid based on time.

12. Rich people think “both”. Poor people think “either/or”.

13. Rich people focus on their net worth. Poor people focus on their working income.

14. Rich people manage their money well. Poor people mismanage their money well.

15. Rich people have their money work hard for them. Poor people work hard for their money.

16. Rich people act in spite of fear. Poor people let fear stop them.

17. Rich people constantly learn and grow. Poor people think they already know.



While Eker made distinctions between the rich and the poor, I chanced upon the work of Keith Cameron Smith, wherein he has made an effort to analyse the differences between the millionaires and the middle class. This related to me. In his book ‘The Top 10 Distinctions Between The Millionaires And The Middle Class’, he has listed out hose ten differences as under:

1. Millionaires think long-term. The middle class thinks short-term.

2. Millionaires talk about ideas. The middle class talks about things and people.

3. Millionaires embrace change. The middle class is threatened by change.

4. Millionaires take calculated risks. The middle class is afraid to take risks.

5. Millionaires continually learn and grow. The middle class thinks learning ended with school.

6. Millionaires work for profits. The middle class works for wages.

7. Millionaires believe they must be generous. The middle class believes it can’t afford to give.

8. Millionaires have multiple sources of income. The middle class has only one or two.

9. Millionaires focus on increasing their wealth. The middle class focuses on increasing its pay-checks.

10. Millionaires ask themselves empowering questions. Middle-class people ask themselves disempowering questions.

I haven’t had the chance to come across these enlightening books earlier, but today’s surfing finally made my day, and reinforced my thoughts about the middle class, and added information about the mindset of the rich/millionaires and the poor, in a clear and concise manner.

Ironically, at the end of it all I was left questioning myself, “What’s your mindset?”

What’s yours???