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Diversification

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Here’s a great article about diversification…But not the traditional kind. It’s not like buying small, mid, and large cap stocks and seeing them all decline. Or Int’l and domestic funds and seeing them tank too. Or even diversifying into Real Estate and watching that crater. 🙂  

Side note: don’t sweat too much those who have been diversified but are “down”, it’ll come back up and it doesn’t negate the critical diversification and dollar-cost averaging principles that ultimately work best over the long haul. 

Anyways, this is a VERY different kind of diversification. It’s income diversification, and it’s pretty darned difficult to do in a traditional business. Expert trainer Tim Sales says that poor people buy “stuff””, middle class people buy “liabilities”, and rich people buy “assets”, though he uses a bit of a different definition than the traditional accounting ones (“stuff” is the junk you keep around your house, “liabilities” are things that cost you money, and “assets” are things that make you money.). 

Below, you’ll read about how rich people all across North America are investing in assets that are available to millions of people across North America, regardless of income, background, or experience. Pretty amazing. 

Not long ago, Craig Lapp made his living driving a truck that helped carve Southern California’s soil into new developments. But then housing sales slumped, and in November 2007 Lapp’s construction company let him go.While he searched for another job, Lapp began working alongside his wife, Lynne, in a business based in their Temecula home, selling nutritional supplements made by the direct-sales company Isagenix. Nearly two years later and with no construction job in sight, Lapp says a one-time sideline has become the couple’s bread and butter.  

“It’s paying our mortgage, our car payments … putting food on the table,” says Lapp, 55, who adds that he and his wife are earning a six-figure income. “It was our ‘Plan B’ that turned into our ‘Plan A.’ “

Click here to read the entire story.

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Why You’ll Work Through Retirement

greycoupleFor some, this is a pretty somber reality they are now facing. And the fact is that that more and more people working through retirements will trickle down to the generations below. In the traditional sector, it means fewer jobs, less opportunity for advancement, and it will clearly affect other industries such as travel, hospitality, and particularly “retirement” states.

Yet, it’s not all bad news.

It depends on what you decide to do to work through retirement. In every challenge exists opportunity. Most people I know who are already retired are aghast at the idea of going back — and many who are looking forward are spooked at the idea of having to slug away for many more years.

Working Off TaxesBut what if you could intersect a way to make money — significant money — and feel better, and do good for humankind?

There’s a rapidly growing interest in this opportunity for people at the early and middle stages of life — and there are many reasons why (probably fodder for another posting). While I expect to see great growth in this younger demographic, I’m not sure that it will outpace growth for the “retirement class.”

typistAll across North America, I see and hear sad stories of a dwindled 401k, or a completely erased pension, or dramatically fallen equity in their home. Yet, I also get to experience some amazing stories of success in Univera. Some of these people would NEVER have been prompted to find a secondary or primary income if it weren’t for a challenge brought forth to their lives. It’s often these challenges that bring people to Univera. So, it’s not all bad.

winneIn fact, it can be very, very good. So if you have to work through retirement, why not find something you love?

Why You’ll Work Through Your Retirement

There is a major social and cultural message in the current economic collapse for the future retirees of America: Forget retirement.

That’s right. The recession is making clear what we’ve suspected for a long time. The concept of not working and embracing leisure for the last third of one’s life isn’t practical for most people.

Put it this way: Survey after survey has shown that a majority of aging baby boomers plan on working in retirement. Well, that plan is coming true.

Click here to read the entire BusinessWeek story.

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