How can a rainy day in Brighton make you money while you sleep?  Well, Brett McFall came down to Brighton to spend the day with Nicola Cairncross of The Money Gym and here Brett will tell you how…If you would like to find out more after watching this very short video, click the link below the screen….

2 Days | Central London | £25.00 to Great Ormond St Hospital

Hi Nicola

What would you do, Nicola?

Hi there John…congratulations on being our first “Ask Nicola” burning questioner! And what a lovely one to start with……the quick answer is that you are financially free already, you just don’t know it!

I’m going to mainly deal with your own situation here as your wife and you seem to keep your finances quite seperate…is that right?  Do come back to me if you wanted a response bases on your joint finances….

You say that you would like to do more web design, and with some good marketing online, and networking locally, and I know that you could make a very good living at this.  Local business people are AT LAST waking up to the power of the web in generating leads for their business, and how efficient and cheap that can be compared with the traditional methods, like advertising.  They are happy to pay £500 - £1000 for a blog type site (great for SEO), and around £2000 - £3000 for a blog type site, with ecommerce / mailiing list capabilities.

You could educate yourself about internet marketing, including traffic generation, social networking and web 2.0, as well as web design (our about to be relaunched Internet Marketing Home Study System will soon be available via our very affordable Silver membership) and then you would REALLY be in demand.  I would envisage that, within a year, you would be outsourcing most of the work!

However, the issue seems to be time and energy, as your day job takes both.  Have you considered taking some of the equity in your house, and investing it in your new business, using it to

a) pay yourself a salary of £500 a month (£100 per week x 52 divided by 12)

b) pay for some teaching to bring your internet marketing / seo skills up to scratch - Silver would cover that

c) pay for a year’s worth of mentoring - our Money Gym Gold programme would be ideal for this and I would suggest you have a look at our coaches, and see which one you think would best be able to hold your hand through the year, to set up and build your business.

I would think pulling out £20,000 would not only cover the expenses as above, but also pay the payments on the money you would be borrowing so your outgoings would not go up at all.  If you apply before you hand your notice in, you should have no trouble getting a mortgage of 12% loan to value.

Your other alternative - if you don’t want to use your equity, is to use your £750 a month savings, to build a “Freedom Fund” to cover your first year in business, and in Money Gym Silver membership, we give you a blueprint on how to do that, step by step.

HOWEVER, if I were you, I would be pulling out all the equity available, and as well as investing in my new business, as above, I would be buying as many one bedroom buy to let flats (existing housing stock NOT new builds) as humanly possible.

This would ensure that you never had to work again, if you didn’t want to!  You could keep leveraging the growth in your property portfolio, again and again, tax free, to grow your portfolio further and to live off.

Again, this is something our experienced property investing Money Gym coaches could hold your hand through, via the Money Gym Gold programme as they are all very sound on this topic!!

Now, you know what you can do (and what I would do) the only question is “what’s going to stop you doing it?”

Keep in touch John and let me know how you get on?

Warm regards

Nicola

I’m delighted to say that many of you have jumped on board with our new affiliate scheme, and signed up at http://www.1shoppingcart.com/SYS/?m=36901&c=s to get your unique link, that now works across all our Money Gym products and services.  (Remember, if anyone joins Silver, you earn £10 a month for the life of their membership).
In August, our Top 5 Affiliates in terms of referrals to our mailing list were:

#1. Philippa Richards = 32

Philly is one of our coaches of course, and generated her referrals from her site at http://www.goldstarcompany.com

#2. Marion Ryan = 13

Marion is also one of our coaches, and generated her referrals from her site at http://www.marionryan.com

#3. Angela Farrell = 6

I’m delighted to say that Angela is a total newbie to internet marketing but is one of my mentoring clients ** Angela’s site has only been online for a few short weeks but is generating traffic and referrals to our affiliate scheme already. You can have a look at Angela’s fledgling site at http://www.newstartforwomen.com

4. Karen Knowler = 5

Karen is an ex-Money Gym Gold client and very much part of our community still, and an experienced internet marketer of her business, which is all based around raw living. Visit Karent at her blog at typepad.com" target="_blank">http://www.karenknowler.typepad.com

Joint 4th is - John O’Flynn = 5

I dont’ think I know John personally, but well done John! You can visit John at http://www.youcanachieveit.co.uk

Also Joint 4th is our very own Steve Watson = 5

This is Steve’s new Myviralspiral site which he has had to put on hold a bit, working on the Money Gym relaunch, but it’s generating traffic and referrals for him even so! Download some of Steve’s fr.ee reports at http://www.viral-explosion.com

5. Margaret Collins = 3

Another Money Gym coach in the Top 5 - how marvellous! I know Margaret uses her email signature to promote the Money Gym and you can also visit Margaret’s own site at http://www.thegrowthzone.com

Joint 5th is Dr Alison Grimstone = 3

Alison is also an ex-Money Gym Gold client and again, very much part of our community still, as Money Gym Gold clients enjoy lifetime membership after their first year. Alison has a variety of sites, but the one listed in her affiliate details is http://www.TheNaturallyHealthyPet.com

BENEFITS OF BEING A TOP 5 WINNER

Apart from the potential earnings, I’m going to produce the Winners List every month, to remind you that you can generate referrals and ultimately passive income and to thank you publically, by promoting your sites to our entire mailing list!

And you will enjoy links on the new high traffic blog which, when Google get around to ranking it, will be as good a ranking as our old blog hopefully!  Inbound links from high ranking sites, helps your ranking remember!

You can login to your affiliate account to see how you are doing here:
http://www.1shoppingcart.com/SYS/?m=36901&c=l

And if you would like to help promote our Brett McFall event and you have a mailing list of more than 500 people, just email me at nicola@themoneygym.com for more details.

Well done all!

Warm regards

Nicola

p.s. If you would like to find out more about internet mentoring ** with me, I’m currently taking on clients for September.

Visit http://tinyurl.com/nicolamentoring for more details.

Just a quick note as I know you are still in holiday mode (even though the weather is tragic, isn’t it?)

I wanted to share some cool stuff we are doing here at The Money Gym…

1.  Great Fr*ee Video - The Million Dollar Napkin

In the run up to our event with Brett McFall on 20th / 21st September
(http://www.themoneygym.com/brettmcfall) there’s a new video you need to watch if you are into creating an online business.

Popular wisdom says now that, if you don’t have some sort of continuity programme at the back end of your original offer, then you will always be what rich schefren calls an “Internet Opportunist” rather than an “internet business”.

We have a membership site, Money Gym Silver, which is where we store our vast amount of wealth creation content and make it easily useable.  This is our continuity model.  Well Ryan Deiss is one of the top gurus on successful membership sites, and I was reallyimpressed by the way he explains his model - on the back of a napkin!  You can watch this fantastic video here http://www.continuityblueprint.com/

2.  Great Fr*ee Audio - The Money Gym Book

I’ve started recording the Money Gym Book as audio “as read by the author” and it’s going pretty well.  You can listen or download the first three chapters “Discovery”, “Beliefs Behaviiours & Attitudes” and “Cashflow” here at http://www.MoneyGymRadio.com - love to see your feedback and comments - just click the “comments” link at the bottom of each chapter on the blog.

3.  ** Summer Special Offer **

Membership Site 30 Day Trial with Loads of Cool Reports & Audio - Just £4.97

My latest mission is to get everyone who is on our mailing list, to try us out in some form or other - even if we practically have to give stuff away.  So if you are on our mailing list and enjoy the blog and the ezine, why not take advantage of our ** Amazing Summer Offer ** at just £4.97?  You will be able to try out the membership site, join our private wealth coaching Google Group (the jewel in our crown apparently) and attend the first Wealth Webinar next week.  If you can’t make it live you can submit your questions via the webinar page, then download the recording afterwards.

http://www.themoneygym.com/offer

I’ll end with one of the wonderful emails we get occasionally - I love people’s stories don’t you?  This is Margaret’s……

The Money Gym - you have the power to change lives! Judith, do you remember Tuesday 22nd March, 2005?  I was just about to pay off my one and only mortgage…And now I find myself with a property portfolio worth close to a million pounds. What does that say about a working-class girl from Queens Park?!

Yes, property is a slumbering giant!  Only yesterday when I was asking my accountant for a recommendation for an IFA or mortgage broker he asked whether I wanted one who sorted out pensions… I somehow managed to refrain from laughing. Why would I want to be paying into a pension when I could pay into a property? OK, I know it’s not quite as black and white as that and some pensions deals are good - especially if you started them 20 years ago!

The short answer is I am not concerned about my future as I used to be and right now, whilst waiting for my 5-10 years to pass before the properties ripen for harvest I am playing with the other opportunities that the Money Gym has opened my eyes to…Yes, I’m busy; yes, I’m working but it doesn’t feel like work when I enjoy it so much! It’s only work if it feels like work.  I’m not a ‘lie on the beach’ sort of girl and yes, I could do with a little more flexibility in my holiday schedule but overall, life is a playground for learning new things, touching more lives, making a difference.

And if I’ve learnt so much in the last 3 short years, what is still to come?! Yes, I am enjoying the fruits of these labours but that’s not my primary motivation.  Is your journey allowing you to touch more lives, to make more of a difference, to become more of yourself?

My one plea - Judith, Nicola, friends in the Money Gym - please don’t let me get lazy or complacent!  Onwards & Upwards!!!!

Dr Margaret Collins, Money Gym Coach
Happiness is liking what you do… Freedom is doing

See you in September!

You can do it too, you know!

Warm regards
Nicola

The Money Gym, Chapter 3, read by Nicola Cairncross

The Money Gym, Chapter 2, read by Nicola Cairncross

Hi there!  I’m learning how to podcast via my Wordpress blog rather than using previously trusty Hipcast, as I’m having issues with the Hipcast podcast not going into the right catagory, then the players disappearing when I manually change the catagories.  With thanks to viralurl.com/moneygym/MikeStewart" target="_blank">Mike Stewart for his great tutorials and software downloads on audio and video blogging with Wordpress!

Amazing Offers, Radio Waves & Outer Space

So who moved the Bank Holiday from the traditional last weekend in August to this weekend then? First I knew about it was when GMTV started wittering on about DIY for the Bank Holiday!

It’s been a weird week without the kids - this year I’m coping better because I’m getting out and about more - except NOT down the beach obviously!! I’m playing poker live around various venues in Sussex. For £12 a night, you get two games and your dinner and last night at the Montague was a great night all round, with a fine home-cooked Shepherds Pie with peas (yum) or chicken korma with rice.

Lee the landlord of The Montague is incredibly entrepreneurial, and is running a great pub there, with “cocktails & karaoke”, comedy and cabaret nights in addition to the biggest Texas Hold’em game in the area, up to four tables now. There’s two computers with fast internet connection, there are notices on the bar telling us who our bar staff are, and lockers to put your drink in if you need to go outside to smoke (not me!). Join The Montague’s “University of Poker” (M.U.O.P) Facebook group.

As a list building exercise, participating in the Wealth Giveaway was a great event for the Money Gym adding over 300 new people to the Money Gym MVS system. I’m hoping that many of those are internet marketers who will be interested in re-branding and giving away my free reports on their websites and blog.

I’ve had a frustrating week with technology, but we figured out why the admin area of the blog was running so slow - it was a rogue plugin. After deactivating them all, then reactivating them one by one, it’s now running along nicely. Having issues with my podcasts from Hipcast though, as soon as I post one, then go to change the category, the player disappears! I’m going to dig out Mike Stewart’s tutorials on podcasting direct from the blog later today.

New at The Money Gym is a great special offer for just £4.97, where we are bundling a great load of stuff, some audio including the first three chapters of the Money Gym book, as read by the author, four reports, the UK’s first Wealth Conference audio and a 30 day trial of the Money Gym Club site…..and folks are signing up in droves!

As I say, I’ve been recording the Audio version of The Money Gym book - listen to Chapter 1 here. I’m a reading kind of gal, but I know 30% of the population like to listen to stuff in the car or while exercising, so I’m working my way through the book, and the audio version will be available by next week as an option.

It’s made me realise that I need to rewrite it and update it - I’ve learned SO MUCH MORE since I wrote it. I think I will lose the “Day by Day” format too, and make it flow more. Must talk to Debs and Joe at Bookshaker about a relaunch…..”The Money Gym Revisited” here we come!

As part of the run up to the re-launch of the Money Gym Silver Club membership, I’ve been experimenting with some Blog Talk Radio shows. I’m veering between a “Smashy & Nicey” kind of voice, through to a “late night talk show” voice and it’s a struggle to talk normally. I’m having an issue with my headset making my voice very quiet too, but I’ll try holding the receiver today (for half an hour?) and see if that helps. Not quite brave enough to open the lines to phone in’s yet, but there is a chat facility….committed to doing a show every day till the end of next week, then I’ll swap to weekly, probably on a Wednesday at 1pm. Check it out

The sewing hobby is going well too - I’ve made two linen shirts for me, a pair of gingham short shorts for Phoebe, and cut out two nighties ready to sew this weekend. I’ve been listening to Frank Kern videos while I’m sewing so it’s not taking me totally away from the computer, but nearly!

I had lunch with Greg Ballard yesterday, and had a good old chinwag, catching up on all the news, and a look round their new offices, which used to be those of my accountant, Mark Nicholson from Spofforths. It was great to hear that, in spite of the credit crunch, Passive are still picking up lots of great bargains for their clients.

Steve is working his way diligently through John Reese’s Traffic Secrets 2.0 which is excellent and very thorough.

He’s missing the kids but is also getting out and about more with his golf, having bought himself a driver and putter on eBay and a new pair of golf shoes, as the old ones were giving him terrible blisters!

And I’ve been enjoying wandering around the Scienceray blog - check out these AMAZING pictures of outer space here and look out for the pictures of the planned “doughnut” space station to house the whole human race if we do end up totally destroying the planet, god forbid!

Have fun, we always are!

Nicola

Nicola Cairncross

Wealth Coach, Author
Internet Strategist
Professional Speaker
Founder
The Money Gym Ltd

Email us to have Nicola speaking at YOUR event >>>

So who moved the Bank Holiday from the traditional last weekend in August to this weekend then?  First I knew about it was when GM.tv started wittering on about DIY for the Bank Holiday!

It’s been a weird week without the kids - this year I’m coping better because I’m getting out and about more - except NOT down the beach obviously!! I’m playing poker live around various venues in Sussex.  For £12 a night, you get two games and your dinner and last night at the Montague was a great night all round, with a fine home-cooked Shepherds Pie with peas (yum) or chicken korma with rice.  It was odd going back there as I spent a large part of my teenage life upstairs in The Montague, they used to run a fantastic soul night there, and co-incidentally, this week on Facebook, I was contacted by Steve MacMahon, an ex-Worthing boy, who is now a DJ in New York, whose very sister used to run that soul night!!

Lee the landlord of The Montague is incredibly entrepreneurial, and is running a great pub there, with “cocktails & karaoke”, comedy and cabaret nights in addition to the biggest Texas Hold’em game in the area, up to four tables now.  There’s two computers with fast internet connection, there are notices on the bar telling us who our barstaff are, and lockers to put your drink in if you need to go outside to smoke (not me!).  Join The Montague’s “University of Poker” (M.U.O.P) Facebook group here http://www.facebook.com/group.php?gid=23133628865

It’s the last day of the Grand Wealth Giveaway - Kathy very kindly extended the deadline by two days, so if you haven’t downloaded your free gifts - and there is some great property investing stuff in there, Kathy having made her money in real estate, go and get them now, as the offer is closing at midnight tonight.
http://tinyurl.com/wealthgiveaway

As a list building exercise, participating in the Wealth Giveaway was a great event for the Money Gym adding over 300 new people to the Money Gym MVS system.  I’m hoping that many of those are internet marketers who will be interested in re-branding and giving away my free reports on their websites and blog.

I’ve had a frustrating week with technology, but we figured out why the admin area of the blog was running so slow - it was a rogue plugin.  After deactivating them all, then reactivating them one by one, it’s now running along nicely.  Having issues with my podcasts from Hipcast though, as soon as I post one, then go to change the catagory, the player disappears!  I’m going to dig out Mike Stewart’s tutorials on podcasting direct from the blog later today.

New at The Money Gym is a great special offer for just £4.97, where we are bundling a great load of stuff, some audio including the first three chapters of the Money Gym book, as read by the author, four reports, the UK’s first Wealth Conference audio and a 30 day trial of the Money Gym Club site…..and folks are signing up in droves!  You can get your bundle here http://www.themoneygym.com/offer/

As I say, I’ve been recording the Audio version of The Money Gym book - listen to Chapter 1 here at http://www.MoneyGymRadio.com .  I’m a reading kind of gal, but I know 30% of the population like to listen to stuff in the car or while exercising, so I’m working my way through the book, and the audio version will be available by next week as an option.

It’s made me realise that I need to rewrite it and update it - I’ve learned SO MUCH MORE since I wrote it.  I think I will lose the “Day by Day” format too, and make it flow more.  Must talk to Debs and Joe at Bookshaker about a relaunch…..”The Money Gym Revisited” here we come!

As part of the run up to the re-launch of the Money Gym Silver Club membership, I’ve been experimenting with some BlogTalkRadio shows.  I’m veering between a “Smashy & Nicey” kind of voice, through to a “late night talk show” voice and it’s a struggle to talk normally.  I’m having an issue with my headset making my voice very quiet too, but I’ll try holding the receiver today (for half an hour?) and see if that helps.  Not quite brave enough to open the lines to phone in’s yet, but there is a chat facility….committed to doing a show every day till the end of next week, then I’ll swap to weekly, probably on a Wednesday at 1pm.  Check it out at
http://www.blogtalkradio.com/TheMoneyGym

The sewing hobby is going well too - I’ve made two linen shirts for me, a pair of gingham short shorts for Phoebe, and cut out two nighties ready to sew this weekend.  I’ve been listening to Frank Kern videos while I’m sewing so it’s not taking me totally away from the computer, but nearly!

I had lunch with Greg Ballard yesterday, and had a good old chinwag, catching up on all the news, and a look round their new offices, which used to be those of my accountant, Mark Nicholson from Spofforths.  It was great to hear that, in spite of the credit crunch, Passive are still picking up lots of great bargains for their clients.

Steve is working his way diligently through John Reese’s Traffic Secrets 2.0 which is excellent and very thorough.  He’s missing the kids but is also getting out and about more with his golf, having bought himself a driver and putter on eBay and a new pair of golf shoes, as the old ones were giving him terrible blisters!

And I’ve been enjoying wandering around the Scienceray blog - check out these AMAZING pics of outer space here http://www.scienceray.com/Astronomy/A-Handpicked-Collection-of-Ultimate-Space-Pictures-3.216589 and look out for the pictures of the planned “doughnut” space station to house the whole human race if we do end up totally destroying the planet, god forbid!

Now, don’t forget to book your tickets for the very exciting two-day “Money Gym Presents….Brett McFall” event on 20th and 21st September - just £25 and all of it (ex the VAT) is going to Great Ormond St Hospital.  It’s the must-attend event for aspiring internet entrepreneurs and We can only fit 300 of you in, and we have 80-odd on our VIP pre-register list, so if all those buy two tickets…..get yours here at http://www.themoneygym.com/brettmcfall

Have fun, we always are!

Nicola