The Money Gym

Property Investing & Pension Planning

Judith Morgan — Sat, 04 Jul 2009 15:08:14 +0000

RED and how to pay for it by Judith Morgan

In the third and final - for now – chapter of the Red story, I want to talk about how to find the money to make this cracking little investment.

In previous weeks’ newsletters I have talked about how you might fish out your old pension file and find out that you had “free” money in there you might use.

If you have, you can, as you probably know by now, transfer that into a SIPP, take control of the funds and invest it for your retirement, coming up increasingly quickly for some of us in our Fifties.

Then I talked about how RED could be used to provide free holidays for ten years plus your original stake back, plus the capital growth on your investment, if you were so hedonistically inclined.

And I am, I am. I intend to do both, pension AND holidays!

This week, how else could you pay for RED? And how else can you enjoy the benefits or use the end result?

Speaking personally, I have about £11,000 in two old forgotten and unloved pensions, and ideally I want to get together at least £25k to make this investment, so I can transfer my pension into a SIPP and top up that fund in cash and, subject to how much tax I have paid this year, that will be topped up again by HMRC with tax relief, a very nice little bonus from Gordon, thanks very much! It’s a long time since I have enjoyed anything much back from the Govt.

Where can I get that cash from?

Since RED guarantees a return on your investment of approximately 20% per annum, sometimes more, it makes sense to take it from anywhere I am achieving less than that, so
deposit accounts, ISAs, TESSAs, PEPs and all their tedious little relatives, stocks and shares, dead old bits of pensions, any underperforming investment you are bored with having to declare on your tax return.

It’s worth scraping out the bottom of the filing cabinet to see what you’ve got, now that we have found something really useful to do with it.

It occurs to me that if you can borrow it for less than 20% at a monthly cost of less than you would be contributing to a pension, then you might be wise to consider that also, especially in view of the returns.

Here?s an example of the potential of re-investing over 10 years starting with an initial investment of £25,000:

	Guaranteed Asset Value at year end	Units Purchased (value) during year	Number of Units Purchased in total	Total Rental Income at year end
Year 1	£30,000	£30,000	4	£6,200
Year 2	£35,500	£5,000	5	£7,400
Year 3	£44,500	£9,000	8	£9,500
Year 4	£54,000	£9,500	11	£11,900
Year 5	£67,000	£13,000	14	£17,200
Year 6	£87,000	£20,000	17	£21,200
Year 7	£110,000	£23,000	22	£26,000
Year 8	£138,500	£28,500	27	£32,400
Year 9	£175,000	£36,500	33	£40,000
Year 10	£220,000	£45,000	40	£50,200

And assuming you can afford to get in at some level or another, might it be useful to have a reminder about how you could enjoy the benefits?

A pension in 10 years or less
Pay off your mortgage in 10 years instead of 25
Invest for income now (if you are getting on a bit in years and don’t want capital)
Invest for capital growth to be enjoyed later
Invest for a combination of both
Get into property investing without a mortgage in your own name or any liability
No credit status required, can also be used to repair flawed credit rating
And finally you can choose to invest with RED and for your investment to go into beachfront and golffront overseas property, UK residential property or UK commercial property.

I’m going to leave off this topic for a couple of weeks now, and find other little ways to remind you about the opportunity. I’m a woman on a Red mission and I know you’ve seen me be on missions before.

But none as good as Red. End of. If you want to know more about how you can pay for RED and benefit from RED or if you just want a chat about how it might help someone you know and/or love, just get in touch with me, Judith{at}themoneygym.com

Week by week I’m winkling you out!

Ponds, Paris & A Bit Of French Polish

NicolaCairncross — Sat, 04 Jul 2009 14:44:02 +0000

Meeting up with Jenny Armato for dinner last week was great and I managed to get a great interview from her after we had all been out to dinner on what made the difference to her between just diddling about on the internet and making it really big. Not that I suspect Jennie has ever been a diddler!

Jennie is my second exclusive interview for our new Money Gym book about success on the Internet and we are going to be giving one or both interviews away as bonuses for our new Money Gym Magazine (along with the re-written property chapter of the first book, and a video of our first Business Surgery Day - yep! the whole day)

Bit of a shocker on coming back to Jennie’s hotel to find Michael Jackson had died! I have never been much of a fan, even having seen him live twice, once being on my first date with a grown up man, for dinner at Browns and The Jackson Five feat. Little Michael Jackson at the Brighton Centre. Don’t get me wrong, I recognise what a great songwriter he was and all, but his voice didn’t grab me.

Then the next day Sarah and I went to Paris and the Eurostar was wonderful. Paris was hot and after Heather WALKED us to our hotel, I realised as soon as we got in there that it wasn’t for me. My own fault, booking a cheap trip like that, should have known. Two star hotel? Moi? Nah, not any more. Used to 4* and 5* nowadays. So between sightseeing at Sacre Coeur, we got onto Lastminute.com and moved ourselves over to Les Jardins du Marais - much more my style and air conditioning to boot.

Heather and her friend Katie had really laid on a great weekend, with two opera cast parties to attend, that great quirky restaurant on Saturday night and Carmen itself on Sunday afternoon. Man, was it hot in there though! No air conditioning in that ancient and beautiful building, no sireee. Programmes as fans and a dash for water at half time.

Michael Jackson mania was everywhere, with some sort of impromptu rememberance service outside Notre Dame and every brasserie playing MJ, some of the waiters were even dressing up like him. Weird.

Steve texted me the first MJ sick joke on the first day we were there which I’m afraid I promptly shared with our gang and some american MJ fans on the next table. They were not sure whether to laugh or not. Bless ‘em.

We found THE most amazing designer shop while there, selling just one particular designer - Lilith. The stuff was so lovely we all went mad. It was the first day of the sales so that was lucky! This is the website and you can view her catwalk show here

And weirdly

I got shirts, tops, lovely gossamer cardigans with drapy bits, a shirt with four arms, two of which you tie up behind like a bustle….I would have bought skirts and dresses too if they had them in my size. Worth going back to Paris twice a year for, just that shop alone.

So it turns out I can shop after all, just not in England!

The journey back was uneventful except that the Eurostar stopped halfway home for about 15 minutes, on a high speed line, which was worrying. I twittered that I was there and that there had been no announcements, and shortly after that, there was one. Do you think that Eurostar have someone monitoring social media for mentions? If so, good for them.

Of course it took as long to get from St Pancras to Shoreham as it took to get from Paris to St Pancras but it was lovely to get home.

Stoupa in Greece next for a week, with Sarah - can’t wait! You may recall that Stoupa is my spiritual home and the place where I’ll be building my house one day. That will be a “lying on a sunbed in the Med reading” kinda holiday.

Sarah’s bringing flasks of freshly juiced vegetables and fruit around every day, as she’s convinced it will help me lose weight better than going back to LighterLife. Some are gorgeous but she keeps slipping in “superfood supplements” which I’m not keen on.

I’m buying up books to read, having secured the one about how Barak Obama won the election with social networking, Michael Masterson’s “Seven Figures In Seven Years” (sounds a bit slow to me Mike!) and Joel Comm’s Twitter Power.

Yes, these are my preferred reading on holiday, but I will hoover up a sci-fi or two, particularly if there is a new Iain M. Banks at the airport.

No kids on that one either but I’m taking them all to Spain and they go to the beach every day after school at the moment so they will hardly notice a switch of country right now.

Talking of Spain, as they are a bit late coming to the rental market for this year, my mates Rona & Adrian have just decided to offer a 50% discount for late booking for July/September this year to any Money Gym people. You can stay in the same stunning house as us - not at the same time though - for just £400 a week. Check it out here >>>

I’m speaking at the Topher Morrisson “Winning The Game Of Wealth” event this weekend and it appears to be sold out. I’m looking forward to it as they get a great “up for it” crowd at Triumphant Events. I’m sharing all about how creating a membership site can be a great way for Supporter profiles to monetise their networks.

But it’s off to the beauty salon next for a ManiPedi as they call them in the USA, think I’m going for my first French Polish, or is it French Manicure? Then poker with the boys tonight and then tomorrow, gardening - the pond in the front garden needs attention as the water lilies are growing up through the protective net and it looks a right old mess. Martin Avis….any tips on coping with ponds?

Have Fun, We Always Do, In Spite Of Ourselves!

Nicola

Overseas Property: 10 Years of Free Holidays + Your Money Back – and more!

Judith Morgan — Sat, 27 Jun 2009 09:59:38 +0000

I know I have been banging on ever since the Property Extravaganza about RED and how it’s all about pensions and SIPPs - and it is.

And about how a self-employed person without a pension can create a really meaningful one in only 10 years with only £25k and no more often using the “free” money locked up in their existing paltry little pension – and that’s right as well.

But RED does all sorts of other interesting things too and this week’s story concerns 10 years free holidays for the price of one, plus your money back (guaranteed) plus the capital gain on your original stake.

Most people ask me to say that again when I tell them about it because it sounds too good to be true! Can I just leave you to read that bit in bold a second time please?

Do you know what the average price of a family holiday is? £3,600.

And with Red, £2,000 or £3,000 would buy you a two week “bit” of a property which is prime beachfront or golf-front in any of the Top 10 sunshine holiday destinations in the world where sunseekers and golfers holiday all-year round.

Your investment would entitle you to stay there for those two weeks for each of the next 10 years if you wanted to, or rent it out privately yourself if you did not or for only an additional £99 you could even swap it to go somewhere entirely different instead.

I know, sounds a bit like timeshare, doesn’t it? But it’s not. Because at the end of the 10 years, the property is sold, you get your original stake back PLUS your share on any capital uplift on the building.

For instance, if your £3,000 had bought you a stake in a leveraged beachfront apartment in Spain costing £250,000 and the property had doubled in value in those 10 years, you would be entitled to an additional £10,000 back.

So, let’s get this straight, Judith.

I pay £3,000 (approximately)? Yes.
I get 10 years’ free holidays? Yes.
I get my original £3,000 back at the end of the 10 years, GUARANTEED*? Yes.
Plus any capital gain on my share of the building when it’s sold, which could be anything from zero to £10,000 or more? Yes.
And I can do this as many times as I like? Yes.
And I can do this with multiple units without involving a SIPP at all – either for my private use or via the reinvestment programme where it compounds like gangbusters? Yes.
Or even mix and match – some for private use, some for reinvestment? Yes.

*And what’s more, your original £3,000 stake is guaranteed by Lloyds of London never to fall below that in value.

I know. The Red story just gets better and better. And this is only the second chapter, there’s more next week and next week and next week, until I run out of delights to share with you.

Want to hear more about Free holidays? After me! Contact me judith [at] themoneygym.com for more information and a telephone consultation.

Next week: How to hoover up all those tedious bits of dreary ISAs, disappointing under-performing investments various including stocks and shares and savings accounts and so on and convert them into RED “bits” which give you a guaranteed return of 20% per annum, straight or compounded for an even more sexy return. You have read the chapter in Nicola’s book about compounding, haven’t you???

RED – the only investment product we have yet seen where your original stake is guaranteed not to fall, underpinned by Lloyds of London. Woo hoo!

Portobello Road, Paintings, St Pancras & The Papillon Club

NicolaCairncross — Sat, 27 Jun 2009 09:21:16 +0000

Well the fun quota is about to reach maximum toleration levels this weekend. Later today, I get on a train to London with Sarah, to go and meet Jennie Armato and Paul Clarke, for dinner. I’m interviewing Jennie for my new Money Gym book and then we are going to one of my favourite restaurants in London - Galicia in Portobello Road for aperitifs. Real Spain and full of local spanish people especially early every evening. Then onto Osteria Basilico - which is Italian LOL - for dinner.

Then off very early on the Eurostar from St Pancras, which has the longest champagne bar in Europe, Judith tells me, and which opens at 7am I notice from the website. We leave at 8.30 sharp so best not go there….

To Gard Du Nord in Paris where Heather is meeting us and taking us to our hotel - for some reason she doesn’t trust us to make it through Paris on our own.

Not sure if we are seeing “Carmen” on Friday or Sunday, but on Saturday we are going for dinner at a charming and apparently marvellously eccentric restaurant & rooms on an island on the Seine, described by the owner Odette thusly …

“Our medieval house, located on Ile de la cité, one of the best area of Paris, was built in 1512. It became a restaurant, as well as a guest house during the 18th century. Odette et Georges welcome you in their french restaurant where all products come from french organics farm every week. You will discover the Odette’s specialities like “Hot Foie Gras”, “Mini Scallops”, “Duck breast with Orange sauce”…”

I have no idea what else is planned but I’m sure it will be great! Our package included tickets to the Louvre, and as the last time I was in Paris was before the Triangle thingy was built, I will definately want to see that as well as revisit the Monet paintings.

We are staying at the Antin St Georges Hotel, which looks perfectly nice and is in the Bastille area, pretty funky from my recollections of previous visits, with lots of live music bars. Very close to the Opera House which is essential so Heather can look after us LOL.

Don’t you just love the way you can look everything up on the internet nowadays? I think it takes a lot of the fear out of travelling if you can visualise where you are going. Well it does for me as I’m a bit of a worrywort (now there’s an old word for you Judith!).

I’m struggling to write this as I’ve hooked up on Facebook, with a dj who DOMINATED the South Coast in the 70’s and 80’s and funny enough, his name is Paul Clark too (see above for my dinner plans). Paul use to play in every decent soul and jazz funk club in the South East and had a residency at both the Inn Place and the Papillon club.

The Inn Place is legendary and lasted through Soul, Jazz Funk, Punk, Hard Times & New Romantic, so you get a feel for how popular it was and how long it lasted. The loos opened out onto the lane behind, and the cistern was ALWAYS leaking, so it was very swamplike in the ladies. You had to enter the club via a precipitous staircase that was practically vertical and felt more like a ladder, hell in high heels and they always were high in those days (unless they were silver sandals!)

Now, if I told you that Kim and I used to go to those clubs from Worthing, and that £1.50 got you a return train fare, and a coca cola AND get you into the Inn Place (35p as I recall), then you will realise we are talking about my teens here!

We used to go to jumble sales and buy mad stuff and rush home to put it through the washing machine and tumble dryer before wearing our amazing outfits that evening. My dad used to wait at the bottom of the stairs to see what we were wearing this week and CRACK UP!

Good days, great clubs and the music was awesome. Check out this page of their Top Tunes - it autoplays so just sit back and enjoy - I’m talking to you Peter Stanley!!

We are missing their first reunion event in Brighton on 6 August because we are off to Spain for August, but I will certainly be checking out the next one.

Have fun, we always do!

(But I don’t know how much more I can take LOL)

Nicola

p.s. RIP “Elias”, the huge but generally gentle doorman at the Inn Place and the Escape Club.

Physio, Ponds, Pigs, Pillows & Paris

NicolaCairncross — Sat, 20 Jun 2009 08:24:41 +0000

My neck is better! Yes, after 10 days of sheer & utter hell, it’s suddenly decided to stop hurting at night and I have had the first good night’s sleep for ages. My physio lady says it must have been a trapped nerve as they often fix themselves suddenly like that. Still a bit stiff round the shoulder area but today’s massage and acupuncture helped a lot with that.

So it’s back to Dunelm Mills with the memory foam pillow which was the wrong thing totally and swapped for a GOLD quilted throw just to “bling up me bedroom” a bit more. And back to the supplier with the small contoured pillow so that I can order a bigger deeper one from the supplier recommended by the physio - that will involve a trip to the post office - gawd help us. Our local post office is very old school and full of old ladies who don’t know the meaning of “hurry” bless them.

I met old friends Rona & Adrian for dinner last week before the Let’s Talk Money workshop, and a great evening in Tas by the Globe Theatre was had by all. How can you not see old friends for six years and then it’s like not a month has passed?

Their holiday home blog/website is coming along nicely, with an availability list and the news that the Volvo World Match Play Championship is going to be just up the road from the house in Casares, at the most luxurious Finca Cortesin, in October/November 2009.

Now, if you have a holiday cottage, or holiday home abroad, watch and learn how I’m doing it and we will see how long it takes to get their first booking from a standing start last week. It’s cost just £99 so far, for a domain name and hosting for two years (better for SEO than buying one year at a time).

Key elements are a great key word URL, a wordpress blog, SEO friendly plugins, a Twitter account @CasaresSpain, keyword rich content, key word labelling on the pictures, constantly updated with links to useful sites locally…..and when I get out there and take more photos and videos…rock ‘n’ roll.

If you do have a holiday cottage or home abroad, and you are not 80-100% let, why not have a look and see what you can improve about your marketing. Did you know that agents in Spain, Portugal and Cyprus think they are doing well if they get you a 30-40% occupancy?

Talking of overseas, I’ve just spent a happy half hour deciding which micro-preneurs to invest in at Kiva.org. Decided it was time to do a bit of systematic tithing (titheing?) and I have written in an outgoings line on my spreadsheet to make sure I do it. I want to work up to tithing an amount based on profits in the previous month. Then I’ll work up to tithing an amount based on revenue. Easy does it though.

This is in addition to Money Gym coach Marion Ryan’s FANTASTIC idea to just leave a £1 coin per day somewhere where folks will find it and know it was left on purpose (what fun!) I wanted to do something where I could stay involved.

I was randomly following a tweet, about how the recession was making graduates more entrepreneurial in the dearth of jobs, and eventually ended up on Kiva.org, which I rembered that I had written about on our blog previously.

Kiva.org say “You choose who to lend to - whether a baker in Afghanistan, a goat herder in Uganda, a farmer in Peru, a restaurateur in Cambodia, or a tailor in Iraq - and as they repay their loan, you get your money back. It’s a powerful and sustainable way to empower someone right now to lift themselves out of poverty”. Cool! why not check it out - you can invest as little as $25 in someone but that might make all the difference to someone trying to start a business in difficult circumstances.

I found myself drawn to the chicken farmers which will come as no surprise to my family as I love chickens. Might have to keep some myself some day.

You can see my first investments here >>>

and if you want to join in the fun…I’ve created a Money Gym team, so that we can all lend individually but our loans get credited to the team. There’s no financial benefit of doing that to us, but I thought it might be fun. My first loans were made before I made the team so they won’t show till I make next month’s loans.

http://www.kiva.org/team/themoneygym

And here is a picture of one of my investments, Thor in Cambodia, who has a business raising pigs. And very happy they look too! My $25 was the last on in the pot, so she’s raised her loan to buy more sows to grow her …..herd?

You can read more about the history of Kiva.org here and a follow up article here

And don’t be surprised if, instead of a Christmas Present, you get a gift certificate from me to invest in someone yourself!

Interviewed Martin Avis today, asking some searching questions about how he got started in internet marketing, and what one or two things made the difference to him, taking him from someone making $200 a month online, to someone who makes a VERY nice living online. Nice man, and he has a lovely pond too which I’m very envious of (see below)

So this weekend is a biggie at Money Gym Towers, there is a big poker game tomorrow night, and next week it’s a whole weekend of X-Factor, where they are changing the format to have live audiences for the auditions, like they do on Britain’s Got Talent. Andy Harrington has just let me know by Facebook that he’s going to the Live Show on Thursday so I’m deeply jealous, or would be if I were not trying to fix up a dinner with Jennie Armato and her partner Paul, who are in London for Mark Anastasi’s Traffic Generation Summit. Claim your free Money Gym tickets for that here

My next speaking gig is for Triumphant Events, at the Topher Morrison “Inner Game of Money” weekend at the beginning of July. There are some great preview evenings coming up for that and you can book your seat at one of them here and also Daniel Priestley, who knows a thing or two about Social Media & Affiliate Marketing is doing a lovely evening on just that topic on Thursday 17th July – if you are not going to the X-Factor live show, that is! Get your seat for that here

Daniel Priestley…………Simon Cowell…………….Daniel Priestley………….Simon Cowell………………difficult one!

LOL

And Sunday I’m going to clear out the pond and sort my rockery out. Gardening is the new rock’n'roll remember? I like a nice job of a weekend away from the ‘puter and I have a little gardening sidekick to help…haven’t I, Sarah?

Then I’ll be twittering from Paris next weekend where we have a private box, dress circle for “Carmen”. The pictures Heather’s been posting on Facebook from behind the scenes look AMAZING….I just can’t wait.

Have fun, we always do!

Nicola

A Pension In Only 10 Years by Judith Morgan

Judith Morgan — Fri, 19 Jun 2009 16:44:09 +0000

When I first met Nicola, one of the marketing messages the Money Gym was using to attract new clients was about worrying about our old age. Would we have a pension?

I wasn’t worried about my old age, I already KNEW I wouldn’t have a pension and since I had left it too late, I KNEW I would have to work till I dropped!

So my plan at that time was all around creating work I would love to do all day long, work I could do as I got older, work where I managed others doing it all for me; businesses to love.

Obviously, that’s changed somewhat over my years with the Money Gym as after a while I was able to find ways to invest in UK property as well and I thought THAT would be my pension.

However, now a much better and faster way has come along, and it’s called RED. It’s still property, but only loosely. And it’s so ingenious, I wish I had thought of it.

If you were at our Property Extravaganza on 21st March, you will have seen RED launch that day and, if you are anything like me, you may even have been on the edge of your seat ever since.

RED took a while to get their act together, compliance issues mainly, something an entrepreneur like me doesn’t care to concern herself with. I just wanted to know when could I have it and when could our clients have it.

And I have been holding those clients at bay ever since, chomping at the bit they are, waiting to hear more detail.

Finally, RED have launched their website, are sending me brochures shortly, I have order forms at last and I’ve been for more product training in Lincoln, so it looks like we are finally ready to rock and roll.

I am going to be sharing a few ideas here over the summer about how you might get into RED and what you might expect to achieve from it (there are so many different angles to this), starting with A Pension in 10 Years.

Firstly I’d like to talk directly to those of you who do have pensions – either personal pensions or stakeholder pensions (we can’t do occupational pensions yet, but watch this space).
Lots of us have got these little bits of pensions all over the place, perhaps you started one once but haven’t paid much into lately for lots of reasons like it’s disappointing performance or we taught you how to use your cash better, or simply that you couldn’t afford it.

Some of our clients have one or two pensions from previous jobs lying around somewhere and are surprised and delighted to discover that the fund is enough to do something really exciting with now, like Harlequin or Red.

But overall, your sense is probably that your pension won’t keep you in your old age, at least not in the style to which you have become accustomed over the years. No wonder OAPs have Spam and Jammy Dodgers in their shopping trolleys, that’s all they can afford.

And If you look at the annual statements at all, it’s just to file them in disgust as the sum is you can expect to receive is so paltry as to be not interesting in the least.

The first good news is that you can round up all those little bits of money and transfer them into a SIPP (self invested personal pension) which gives you the chance to do something really meaningful with the money now.

It gives you the chance to take control of that money and how it is invested and put it into something which will bring you a much greater return than the fund managers have been achieving for you, something which is more likely to pay for champagne and caviar, at least on high days and holidays. All those little bits of pensions are like FREE money to invest in RED and other things like commercial property, stocks and shares and so on.

The RED product is designed to turn an investment of only £25k (or more) into a really great pension within 10 years. In fact it is designed to turn your £25k into £220k GUARANTEED, plus an annual income of £50,000. Yes, that’s right, £25k in one lump sum now turns into both those things, not only a £50K per annum income but also a pot with a capital value guaranteed to be worth a minimum of £220,000, possibly a lot more than that depending on the growth in international property markets over the upcoming decade. WOW!

I have asked my IFA what I would have to contribute to a pension in order to achieve £50k in 10 years time and the answer is a very unaffordable £1200 a month x 10 years = £144,000. And even then I could only take a lump sum of £55k once plus an annual pension of just £10k. If I wanted to draw £50k per annum as I can with RED from only £25k in 10 years time, I would need to create a pot of £850,000 which just isn’t going to happen to me at this late stage of life, I don’t know about you?

And lastly, the other vital thing to remember about orthodox pensions is that the annuity dies with you. But with a SIPP, as my IFA says: “it provides the ability to produce higher income, better options on death of client and an asset that can be passed onto estate… and can be started at low levels due to fabulous RED product”. Say no more, where do I sign?

I have emailed all the clients on our waiting list this week. If you were not on that list and you would like to hear more about RED or if this is the first time you are hearing about RED, do contact me judith[at]themoneygym.com to hear more about how both you and I are now going to be able to afford to retire after all - and in only 10 years.

Next week’s instalment – how RED can create 10 years’ holidays for free, plus your original stake back AND a profit on sale. This story just keeps on getting better and better.

Did you know… that the Money Gym is writing another book?

NicolaCairncross — Fri, 19 Jun 2009 16:32:40 +0000

Would you like to have your wealth creation story in OUR book?

Judith is writing a companion book to Nicola’s original and the working title is How I Did It. It will tell Judith’s story of how she put into practice what she learned from Nicola and The Money Gym and it will document what she actually did which made the difference, what actions she took to make more money.

This is a book for people who want a plan. Clients are always asking us just to tell them what to do. So we want to collect together all the stories of clients, colleagues and friends who have read the book or materials online, come to an MG event, listened to a webinar – anything – and gone home and DONE something different for a change, however small. It might even be something we referred you too – like someone else’s event. What was your breakthrough moment? How much more money did you make as a result of it, how much wealthier do you expect to become now you know that?

If you would like to share your story of how your financial situation has changed in order to inspire everyone to take one teeny tiny step to make more money, then we would love to hear from you. Your contribution can even be anonymous if you wish, or you can use it for publicity for you and your business too – your choice.

Please email judith [at] themoneygym.com and she will send you a list of questions to be thinking about.

Did you know that Harlequin…

NicolaCairncross — Fri, 19 Jun 2009 11:45:43 +0000

… have recently announced their next development and this time around they are moving from the Caribbean to Brazil?

Its called the Garapua Beach Resort and is situated on the Ilha de Tinhare, a pretty little island 60km south of Salvador in the Baia de Todos os Santos.

The island is considered to be one of the most desirable tropical destinations in the world and is the tenth most visited place in Brazil. With beautiful beaches and calm, crystalline, warm waters, Atlantic rainforest, mangroves and coconut groves that are home to a stunning array of flowers, colourful birds, monkeys and marine life. The island is home to a few small fishing villages, the largest of which is Morro de Sao Paulo, with beautiful colonial architecture and historical monuments.

This investment opportunity is in pre-launch with stunning prices for a limited period only, starting at an incredibly low entry level of only £50,000. As ever, Harlequin are still offering their 100% funding for only a £1,000 deposit so its also worth a look if you couldn’t raise finance last time around in the Caribbean, since prices start at about half of what we were looking at before.

Brazil’s property market is set to boom due to its rapidly growing economy. Also with the discovery of vast gas and oil reserves, thought to be larger than the Middle east, this has to be on the top of any savvy investor’s wish list.

Tourism is one of the fastest growing industries in Brazil with a growth of over 20% last year. However, the vast majority of tourism is still home-grown and Brazilians make up over 90% of the tourist market. This proportion is changing substantially as more and more international tourists are considering Brazil
as their holiday destination.

For more information, key facts, pricelist and finance details, please email judith[at]themoneygym.com

Click Here to Read Harlequin’s Latest Newsletter

Bonjour Mon Ami! Free Traffic Generation Seminar tickets - déplacer vos fesses rapidement!

NicolaCairncross — Thu, 18 Jun 2009 13:45:33 +0000

Bonjour Mon Ami, Here’s something good but you have todéplacer vos fesses rapidement!

But first……did you know I have an Opera Singer sister? Her name is Heather and I’m very proud of her.

So why am I telling you this?

And why am I testing my school girl French to the max? Some might even say “painfully”.

Because my family loyalty was put to the test this week….Bigtime!

I had to choose between going to see singing sister Heather sing at the Paris Opera House in “Carmen”, one of my favourite operas of all time…..and going for a long weekend in Paris with Sarah……

OR…….

Going to see some of my very favourite people speak at what looks like one of the biggest and the best seminars of the year.

People like Alan Forrest Smith, Jennie Armato, Guy Levine (who taught me so much back in the day), Mark Vurnum and our very own Mark Anastasi.

O yes!

Since going to the “Break Free Seminar” recently, Mark has shot into my Top 10 Speakers list.

Worldwide.

Also featured at the Summit is a little known (so far) chap called Gareth Owen who taught me one little trick that has EXPLODED my Google Adwords results. Alan Forrest Smith says Gareth is his secret traffic weapon.

Well, I was chatting with Mark Anastasi the other day, as I want to interview him to find out some of his secrets, and he mentioned his upcoming Summit.

Oh, I was so disappointed not to be able to go! But Heather and Sarah would never speak to me again if I cancelled this trip.

Mark was cool though and he did something very special for me, even though I can’t go.

Today Mark allocated me 20 tickets to “The Traffic Generation Summit” worth £97 each to GIVE AWAY to my clients.

(each ticket comes with £1,582.00 in bonuses, by the way)

He said, “Nicola, don’t worry, get some of your very favourite clients to come along, and I’m sure they will share everything they learn with you!”

The man’s a genius!

Of course you will.

So here goes with the info…..and remember, you have to share!

===================================
Claim Your Ticket And Your Bonuses Here:
http://www.trafficgenerationsummit.com/moneygym
===================================

Attend this special Wealth Creation seminar and discover…

* How To Produce a Steady Flow Of Buyers To Your Online Business And Break Free From The Rat Race

* How To Get a Tsunami of Traffic Through a Website To Take Over a Million Dollars

* How To Attract Hundreds of Thousands of New List Subscribers in Days

* How To Generate Hordes of Brand New Visitors Eager and Hungry To Buy Your Products

* How To Get On Page One of Google, Yahoo, and MSN

… and much, MUCH more.

===================================
To find out more visit
http://www.trafficgenerationsummit.com/moneygym
===================================

If you want to create multiple streams of income on the Internet, you really do not want to miss this unique, one-off event.

Hurry though, as there are only 20 tickets available.

And I mean TOUT SUITE!!

To Your Success & Au Revoir!

Nicola Cairncross

===================================
Claim Your Ticket And Your Bonuses Here:
http://www.trafficgenerationsummit.com/moneygym
===================================

A Real Live Business to Love

Judith Morgan — Tue, 16 Jun 2009 15:45:35 +0000

On Saturday*, at lunchtime at the Let’s Talk Money day, trainer Dom asked Nicola and me if we had The Happiness Centred Business by Paddi Lund. Sure have, it was recommended by dentists’ coach, Chris Barrow, so we ticked that off our reading lists a few years back. Well today, I have been to the dentist (in Brussels) and been privileged to see one of these at first hand. If you are interested in creating a business of your own to love, pin your ears back, and be warned this is rather a long story.

My current dentist is a Belgian who practises at the Hale Clinic in London where I am now six months into some very specialist and expensive treatment to save my teeth from gum disease. He and his wife come over from Belgium once a month to sort out the gum disease of Londoners who choose afford their radical unique one-hit treatment pioneered by – er, well, a pioneer called Dr Hoisington if you are interested. Today, my dentist revealed that he paid said pioneer to come from the States for a couple of days a month for 18 months to show him how to do it on 50 patients before he felt able to go it alone on folks like me.

At the Hale, I lay on a water bed for hours on end in December and 26 injections later, it was all sorted. One initial consultation, one 5-hour treatment, two free follow-ups, thousands of pounds, but teeth to keep for the rest of my life. The UK equivalent is four very painful separate visits and by the time you come back to the second one you have already re-infected yourself from the gum disease left in the other three quarters of your mouth. The air-perio treatment was indeed successful and gum disease is at bay. My UK dentist said it couldn’t be done.

However, on a subsequent visit, the Belgian dentist decided that my bite was so abysmal that it was compromising his work as I rely on one or two teeth only to chew and they were making a slower recovery than the rest of my mouth. My teeth don’t meet anywhere for chewing and he wondered how on earth I had managed to eat anything, ever. As I said to Janet Swift yesterday, “where there’s a will there’s a way!” Anyway, gum disease resolution at the Hale doesn’t require the more heavy-duty dental kit, for serious dental work he wanted me to get on the Eurostar and go to his office over there and this was scheduled for today. They told me to get the 08.30 train, get a taxi to their office, get euros to pay taxi, bring passport, which train to get back etc. oh and by the way could they have some more thousands of pounds.

Dear Reader, I’m a dental phobic and my gums are only in this mess because of decades of appalling UK dentistry on the good old NHS and financial stress, a major contributory factor (scientifically true). This man I like and trust enough to spend 5 hours in his chair in December and another 6 today. I would travel further than Brussels to work with him. I have even laughed with him (not today, mind) and how often can you say you’ve laughed in the dentist’s chair if not on gas?

Anyway, on Sunday night I received an email saying forget the taxi, their son Benjamin will collect me from the station, which he did in trainers and cut-offs (31 degrees today in La Belgique). He’s 22 and driving a Beamer (assume his Dad’s, its not) and I ask if he is on holiday, thinking he must be a student. He said no, he works for his parents – computers etc., everything but going inside peoples’ mouths. We converse in his excellent English about our two shared loves – computers and fast cars, and the journey whizzes by – about 30-45 mins. When he drops me at the surgery, everyone and I mean everyone is at lunch, the place is deserted but blissfully the dentist Dad is sitting in the window of the restaurant next door (he has a life too). He comes immediately to attend to my needs, putting on the restful music to soothe me from the journey and prepare me for my ordeal in the chair and chatting to me about other “natural” medical cures he’s researching. He’s very interested in health beyond just dentistry.

Turns out he’s 58 and I never noticed this at the Hale, but he’s tall, blue-eyed and silver haired – my very favourite sort of bloke – and very, very clever, better still. His wife is there, so don’t get any ideas and she’s called something delicious like Marie-Christine and she runs the business and is very artistic and stylish. The salon is delightfully done up with a lot of low key and tasteful new age touches, candles, flowers, decor and some very nice art which I notice is signed with his surname. I ask if he paints and he says no, both his parents are painters. I ask what they think about having a dentist for a son and he replies that they have three sons, two are dentists and one is a doctor! Their parents’ art is peppered throughout the surgery to good effect.

The surgery is THE most beautiful thing I have ever seen – I have already described the ambiance, music and decor and attention to customer care. But get this - he has read my websites! He knows I’m interested in Woo Woo, wants to copy LunchWithJudith and prints me off an article from his computer he thinks I will be interested in, about a cure for cancer, which I read on the train on the way home. I am totally in his thrall by this point.

The surgery is not done up like ours with tiny tight white boxes each with a solo dentist and patient in – it is one enormous room filled with state of the art equipment, beautiful wooden floors and luxury reclining chairs and healthy green plants and four dentists (all women in comfy but smart and practical stripey topped, elegant uniforms which they wear with pride) all practice in the same room which overlooks the gardens – they all bustle back from lunch on the dot of two, he has his wife, son, and at least two more assistants working to help him run the surgery and it runs like a well-oiled machine with everyone smiley, lovely, kind and helpful. They speak four languages – English, German, Belgian and French and apparently an average of three clients, like me, come from London per month on the Eurostar. And the music is switched from new age plinky plonky to something more rockin’ the lady dentists like – and all afternoon songs rotate through all those languages again.

I am given every consideration during my six hours in the chair – water, kindness, more painless injections if I as much as flinch, talked through everything, touched really comfortingly but respectfully – my treatment is co-ordinated in time for the return train and Benjamin again delivers me at high speed in his Beamer, since we are running a tad late. I don’t talk much this time – mouth swollen from the afternoon’s surgery and injections, feeling a tad sorry for myself and scanning my 100+ emails on phone.

Could 6 hours in the dentist’s chair and another enormous cheque be nicer?

I am delighted with my new gnashers – I have a Hollywood-ish smile, I could bite and chew my Eurostar dinner on the way home, he lasered off a polyp I had in my cheek which I am still queuing for over a year in this country to see the man up the local oral health clinic whatever the hell that is, he drilled out all my amalgam fillings and replaced them with white ones AND he gave me a bite. I mean, this man is nothing short of a dental hero! I am in love with my Belgian dentist as you can clearly tell, but more importantly I am in love with his business. Happy patients, men, women and children, skipped in and out all afternoon and ask they passed my chair on their way out (no waiting visible), they all smiled (!) and said goodbye in various languages to my dentist, the boss, who knew all of their names. I inspected my mouth full of his handiwork in the loo at St Pancras and am thrilled.

At 58, he is SO not bored with his business and still learning new things. The man is exemplary.

It was his idea to call Teresa Hale and ask if he could bring his radical new perio treatment to the UK and his son told me he loves it here because it’s Teresa’s business and he doesn’t have to worry about anything except his patients so although he made it look easy, there are stresses and strains to managing staff, profits etc. as ever.

I learned so much today about how to run a good business, give great customer service etc. and still love your business after growing it for decades; always learn new stuff, always cherish your clients.

Off to clean my toofypegs and protect my investment. Night night – its been a long, brave and fascinating day. Hope there’s been something useful in here for you and your business.

*Wanna know the best bit about this entire story? I was introduced to this man by Bianca who on Saturday said her strength was connecting people. She’s so right – and guess what, we were on the way back from a Rent2Own lunch meeting at the time when I was off to the dentist to get the UK recommended painful, also pretty expensive and crappy version of the gum disease solution so she was just the right woman in the nick of time with the right referral. Go B!

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