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When you take 2 extra hours of work per week to bring more value to your clients, it may just change your life. What kind of change? How about $1,000,000 worth of change. But first, let see some data, and then I will give you a practical roadmap that you can put into place TODAY!

It’s really scary. 26% of all Americans have $0 in their savings account. 7% don’t even have a savings account! The average American has $4,436 in their savings and 76% of families are living paycheck to paycheck. The average person in their 60′s has less than $200,000 in savings for retirement. It’s not surprising that most people just don’t believe in the idea that they really can become millionaires. But what if I could show you how? What if I could show you how to make an extra $2,000 per month, and if you invested over just 20 years, you would easily turn into $1,000,000+? Would you do it? If your answer is YES, then keep reading.

Let’s take a real life example that I just set up for my personal trainer Josh. It’s a perfect example of how he, you or anyone can do it. Josh was charging $50 per session and had 15 weekly clients that worked out with him an average of 3 sessions. That translates to $2,250 per week or $9,000 per month. When I posed the $2,000 = $1,000,000 concept, he loved the idea, but didn’t think he could come up with the extra $2,000 per month to invest. It just seemed like a pipe dream to him. He already had a mutual fund set up, that was earning 6% a year, but it had less than $1,000 in it and he was contributing $100 per month to it. And that’s the problem folks. Many of us have retirement accounts set up, but the deposits we make just not enough to move the needle of our net worth. That is why we need to get to a min. of $2,000 per month of extra cash to start moving the needle. Here is the roadmap I created for Josh to generate an additional $2,000+ per month. The big question was, “How many total extra hours per week will I need to work?” The answer? Two. That’s right, two hours extra per week will make him a millionaire. I’m sure the same could easily work for your business. Regardless of the business you are in.

Here is the roadmap:

Step #1:

Increase the value you bring. In Josh’s case, all he did was work people out. No meal plans, no videos, no body fat index testing, no nutritional or meal prep advise. In short, he offered his clients limited (really zero) EXTRA value. You can’t increase prices without increasing value. So he and I created the following value added programs and he put all of them into action within 1 week. Josh signed up for the email program (there are tons like Constant Contact or MailChimp), loaded in his client’s email addresses, and boom, he had a platform to get value added messages to them at anytime. He then created content via a simple, one-page weekly newsletter, that was emailed out on Monday morning at 6 am. In the newsletter he offered great recipes for easy to cook meals. He talked about nutritional suggestions along with vitamin and supplement recommendations. He told his readers about local farmer’s markets in the area and what was in season at them to buy and eat. He even offered a DATE NIGHT SUGGESTION section in which he suggested that his clients go on a data night and why it was important to your marriage and mental health along with great locations and destinations to make it extra special. Lastly, he started to record himself doing workouts and impeded them into the newsletter so that his clients to do them on their off days. Get the picture? He started adding a foundation of value added services that informed, educated and entertained his client base. Total time per week? 2 additional hours.

Step #2:

Raise Prices. We raised his rate from $50 per session to $60 per session. $10 bucks, a small amount. But not all clients went for it.

Step #3:

What did his client say? He lost some clients who were not willing to pay the extra $10 bucks. They didn’t see the value add of the newsletter, because they never had it in the first place. They just wanted to cheaper price. No problem… that is the point of step #3- to test your client base and the value you bring to them. In Josh’s case, he had some cheap clients AND he was not bringing enough value to them. So they left him. If you raise prices without providing enough value to your clients, some will leave you too. And they should! Value is the key in today’s crowded and cloudy marketplace. You must deliver value that exceeds the price you charge.

Step #4:

Put on Your Selling Hat. Josh lost some clients, so he had to get to selling to find replacements and a few more. But now, he was starting with a new price ($60) and a new product offering. This time it was – “Josh aka The Super Trainer”, who cares about his clients more than anyone else and he proves it each and every week through the content he puts in his newsletter. He was now focusing your muscles, your mind, your food intake and even your relationship. He started asking for referrals from his existing clients and asked them to reach out to their family, friends and co-workers. I also had him talk to some of the busiest trainers at his gym and asked for their overflow, the clients they were just too busy to take on. Within 2 weeks he replaced the clients who dropped out when he raised his prices. It was ridiculously easy to replace them and he actually added 3 more for a new client base total of 18.

The end result:

Josh now has 18 very satisfied clients who get his VERY informative weekly newsletter and can watch his specific workouts on their off days. His new client base are all paying $60 per session X 3 sessions per week, and it now equals $12,960 per month. An increase of $3,960 over his prior income level.

I almost forgot… how will Josh’s extra 2 hours per week make him over $1,000,000 and why should you tweak your business to find $2,000 per month to invest? Here is how it will work out for Josh. He is 30 years old. He will now increase his monthly investment from a hundred dollars to $2,000 per month because he has $3,960 more money coming in per month. Even after putting $2,000 away, he still has $1,960 more money than month! His $2,000 will go into the same mutual fund that has an average annual rate of return 6%. At the end of 21 years, it will be worth $1,017,000. He will be 51 years old and have $1,017,000+ in his retirement account! If Josh wants to continue this until he is 60 years old, he will have $2,011,000. It can happen if you just start. It’s easier if you start in your 20′s or 30′s, but it can be done if you start in your 40′s, 50′s and even in your 60′s.

In my last articles I pointed out the fatal flaws of the current ruling paradigm; the paradigm of materialism rooted in dualistic thinking. Materialism not only fails to explain many essential aspects of our reality, but its logical structure also fails.

Materialism fails to explain past life recall, reincarnation, near death experience, telepathy, telekinesis and so forth… even though evidence for all these phenomena is well documented and statistically unassailable. Materialism fails to explain the origin of life on Earth, speciation, consciousness… and yet science is holding on to this false belief system, this illusion, seemingly at all cost.

Materialism also fails by internal logic; matter, considered fundamental by materialism, is convertible into energy and energy into matter. Nuclear energy and particle accelerators do this conversion every day, without doubt. If matter were truly fundamental, the ultimate basis of all existence, this conversion could not happen.

For matter to be converted into energy and for energy to be converted into matter there must be a common functioning principle through which the conversion occurs… and the CFP of matter/energy must by definition be more fundamental than either matter or energy. Matter and energy are the flip sides of a more fundamental CFP, whatever it may be.

The power of illusionary belief is immense; mainstream science is constrained by false belief, by illusion. The dogmas of materialist science are rooted in illusion; no evidence showing the failure of the prevailing paradigm or illusion is examined or even admitted to exist. The taboo against such investigation is too powerful for all but a few mavericks who investigate reality in spite of mainstream dogma.

History is filled with examples of the power of illusion; when the illusion that the Earth is flat prevailed, voyagers were afraid to travel out to sea because they would ‘fall off the edge’. When Galileo showed that the Earth is not at the center of the universe, the powers that be… in his case cardinals of the Catholic Church… refused to look through his telescope. Looking at the evidence was forbidden by taboo. Looking and seeing would have been an admission that their beliefs, aka illusions, were wrong.

Eventually all illusion is shattered; once the illusion of a flat earth vanished, sailors crossed the seas without any fear of ‘falling off the edge’. Once the illusion that the Earth is at the center of the universe vanished, science and cosmology progressed without hindrance.

The biggest illusion of all is the illusion of power. Specifically, real power is conflated with illusion of power. The US military is arguably the most powerful in the world. The destructive power inherent in the myriad guns, bullets, rockets, and bombs this military commands is beyond doubt. The illusion lies in the belief that a single man, the Commander in Chief, controls this awful power. The illusion is that hundreds of thousands of humans acts at the whim of one person; that the ‘chain of command’ represents real power.

The chain of command is an illusion, and has power only if and as long as the illusion remains intact. Mutinies, military stand-downs, revolutions, civil wars are all examples of shattered illusion. Once shattered, illusion loses power. Such is the fate of all illusion, even if extraordinary efforts are made by TPTB to maintain an illusion.

In the Soviet military, once considered the second greatest power on Earth, communist ‘commissars’ accompanied the troops… to make sure that orders were obeyed, that the illusions of Communism were upheld, at the pain of death. Indoctrination, brainwashing, threats are used to maintain the status quo, the ruling illusion… but eventually the illusion shatters, and the power of the illusion vanishes.

At this very moment in history we are witnessing the destruction and imminent breakup of the power of a major illusion. Ebola is a horrific affliction but it brings another illusion to the forefront. If Ebola truly goes ‘viral’, the illusion of the power of mainstream medicine will be shattered at a wondrous pace.

In a recent interview, an American doctor gave away the illusion, by pointing to its heart. Many other doctors see the truth, see through the illusion… see truth that is being withheld by ‘the powers that be’, with the excuse that ‘we must act to prevent panic’.

Another American doctor, just back from Sierra Leone, has shown that Ebola can be cured by a simple method of blood treatment using ozone. The ozonation of blood kills the Ebola virus, and helps to regulate the immune system. Immune system over reaction to viral invasion seems to be the proximate cause of symptoms and death; Ebola is an autoimmune disease.

The powers that be refuse to allow ozone treatment… because it is taboo, because it violates the current illusion that vaccination is the answer… and to be brutally frank; there is no wealth to be made using ozone therapy. Ozone is dirt cheap, vaccines are lucrative.

The reality is that ozone treatment is forbidden… at the pain of a doctor losing his license to practice. But this ‘license to practice’ is just a piece of paper. Who cares about a piece of paper if nasty, immanent death threatens? Even though many doctors still obey, others are ready to shatter the paradigm in spite of threats by ‘TPTB’. The threat of death by Ebola is stronger than the threat of losing the piece of paper.

Real power lies in the power to cure, not in the piece of paper. As the truth emerges that a cheap, safe, easy method to cure the horror of Ebola exists, and that some doctors are using this method to save lives, the power of truth will easily overcome illusion. The power of the medical establishment will shatter and scatter like chaff in the wind.

This brings us full circle to the most insidious, destructive illusion of all; the illusion that Government issued paper with numbers printed on it is money. This pernicious illusion underlies the power to control and manipulate the world economy to the benefit of the perpetrators, at the expense of the rest of humanity, the victims.

Enormous power lies in the illusion of Fiat ‘money’… but like all illusion, is subject to being shattered by truth. Once the illusion of the ‘faith and credit’ that purportedly backs Fiat currencies is destroyed, a new era of real money will emerge. Real money, Gold; not paper notes borrowed into existence without limit. Truth will replace the illusion and lies of Fiat.

Just as the power of a gun is real, but the power to command where the gun is aimed is an illusion, just as the power to cure disease is real but the license to cure is an illusion… so the power of Gold to extinguish debt is real but the power of Fiat is illusion.

Rudy J. Fritsch was born in Hungary in 1947, and fled Socialist tyranny during the Hungarian Revolution of 1956. His family had lived through WWII and the consequent Hungarian hyperinflation, thus he has intimate experience with monetary destruction.

Would we be better off without paper money and coin? Some say yes, and some say no and the debate rages on. Government tax collectors would prefer only electronic or digital money – it’s easier to control and easier to keep taxpayers honest – but are those gains worth the drawbacks? I mean what’s wrong with cash – you can spend it anywhere, you can pay your babysitter, go to a garage sale, or stop at a lemonade stand – all of which are part of our underground economy by definition and harmless uses of transferring money.

Then there are the illegal things, no one uses digital money because it leaves a trace, so you cannot use it to buy things you are not allowed to buy or that someone else is not allowed to sell. Does it thus, make sense to get rid of the money that allows illegal transactions, shut down the entire underground economy and if we do, will our society and civilization be better or worse off for that solution? Let’s discuss this shall we?

Yes, a digital currency would be similar to regular currency and really we are almost there already anyway. If we go to “digital units” and change the paradigm to cover the needs of people who contribute who are not rewarded fairly now, then we will get more of what we reward, as is the famous axiom. A technocrat would enjoy this conversation and the thought of micro-managing the exact worth of every job, but technocrats are not so good at considering their own created unforeseen consequences as they pave the road to hell.

The reason humans use money now is simply because things and choices are more complicated than they were in the past when our species were only hunters, gatherers and traders. Let me explain; you see, if I make hammers and you need one, but you only have cattle, then you cannot cut off the tail of your cow to buy my hammer, so instead you give me $11 and you can sell your cow in the future for $1100 and give me the one-percent of it so you can build a new barn.

Money and currency is nothing more than units of trade thus, make things easier, that’s why it exists, but I do not like the bashing of currency, digital or otherwise, where many believe it is the root of all evil. I respectfully disagree. Please consider all this and think on it, as this topic does affect your life.

Over the past few years, SEO has evolved faster than the previous decade. And this has made it harder for users to keep up with most recent updates. The launch of Penguin and Panda changed the way things worked in the past. In short, the way Google used to rank website has changed a lot. But if you want to reach your objectives, make sure you avoid some common SEO mistakes.

1. Avoiding RELEVANT CONTENT

In the start, Google said that it would rank websites that have the most relevant content on its first page. This statement is still valid. What has happened is that the search engine has become a lot better at achieving the objectives. In other words, now, Google is in better position to know what is relevant and what is not.

So, what you need to do is offer content that is relevant and avoid content is not relevant to your niche. Of course, the content should be informative and unique.

2. Following Tricks

People have been using many illegal ways of cheating the search engine algorithms for traffic, exposure and backlinks. Some of these tactics can still give you a temporary edge, but they are bad for your blog or website for the long-term.

So, you should avoid using low-quality, duplicate content, keyword stuffing, questionable redirects or cloaking for traffic. It may be tempting to go for these short-cuts, but they will just hurt your ranking, and may even get you banned for good.

3. Overloading your site

It has been a common perception that photos, videos and other graphics make a website more appealing for the viewers. To some extent, this perception is true; however, there should not be too much of it or your website will take ages to load. Your viewers don’t have all day to wait for your site to load. If your blog takes longer to load than other websites, the viewers will just click away. You will not only lose viewers, you will also lose ranking against other websites.

4. Making navigation difficult

Navigation is one of the most important factors for any website. It’s important for both viewers and search engines. Ideally, your viewers should be able to get the desired information from your website in one or two clicks. This may not be an easy task for you. So, what you can do is put important content on the main page of your site. This the users will be able to get what they want more easily.

5. Misunderstanding THE BACKLINK PROCESS

You may not want to be obsessed with obtaining a lot of backlinks. Although you don’t have to have backlinks from authority websites to establish your credibility, it helps a lot. However, what you need to do is try to get backclinks in a nature fashion. But it’s not a good idea to buy backlinks. This is one of the worst mistakes that you can make.

Quality content is the key to SEO success. Content doesn’t just mean your text contents. Images must be an integral part of your content strategy. At times, single images can be far more effective than your 1000 word blog post. It also helps you improve blog post quality and performance.

Images, Infographics, Videos and all other multimedia contents on your web page will help you in increasing the user engagement on your site and makes the visitors stay on your site for longer duration which helps in reducing the bounce rate.

Not just adding images to your contents, you should also optimize those images for better SEO performance. Optimization of images must be the one important aspect of your on-page SEO process.

If you are using images in your content, there are many aspects to be considered related to SEO.

Relevancy

Using images doesn’t mean that you should fill up your content with loads of pictures. You should use it only when it is required and also you should use images that are more relevant to your content.

Placement of your images is an another important aspect. It should be placed at a relevant location in your content according to your text content.

Use original images

Originality always helps in improving your user experience and your authority. Usage of original images will be helpful in improving your SEO performance. You can create original images with a graphic designer or you can take your own photographs with a quality camera. It is the reason top White hat SEO companies employ talented graphic designers for creating quality images.

If you are not able to employ an in-house graphic designer or if you are running out of time, you can always use high quality images from the web. But the important factor to be considered is it should be copyright free.

There are many tools available for getting copyright free images without any cost. The most popular ones are Unsplash, Flicker, Freeimages.

Image Size

Images are the main source for damping your site’s speed. And site speed is a crucial factor in your SEO performance. So, you should be extra cautious in using images without compromising your page speed.

It should not also affect your image quality, you should have a correct balance between. You can achieve this by reducing the file size by compression. You can use tools like Photoshop for compression.

File name

Search engine crawlers are visually impaired, it can even interrupt a 5000 word text content, but it cannot interrupt a single image and what the image is about. It is the reason using a keyword rich file names for your images is an important aspect in image optimization.

Google bots and other search engine crawlers can read your image’s file name and if it is named with your target keyword, it gives a signal to search engines about the image topic and thus helps your SEO performance.

For example, if your image is related to selling sports shoes, rather than using the file name as “IMG_89868″ you can use it as “Black_Tennis_Shoes”.

Alt text

Similar to the file name, search engines can read Alt text of the images. Alt text is known as “Aleternative Text”, is an HTML attribute used to describe the content of images.

You should use Alt text which is relevant to your images and it should be clear and descriptive. You can use your target keywords in the Alt text but be cautious about Keyword stuffing.

If you are not focusing on Image optimization, you are missing a huge opportunity in improving your SEO performance. You can use above mentioned best practices in your on-page optimization process.

American youth currently face challenging realities along their way to adulthood. With parents working longer hours and the absence of grandparents and other community adults who used to make up support systems, the intergenerational fabric of community has been frayed. Youth development strategies aim to reweave community fabric in a new way – one that takes the supports and opportunities young people should have, and re-institutes them in the context of young people’s realities today. While many of these realities are harsh ones, we know that young people themselves want to be involved in their communities. The importance of building positive youth/adult partnerships in this process cannot be stressed enough.

The mobilization effort is based on influencing three critical elements: information, attitudes, involvement. The transformation of each of these areas, both in the public and private domains, is a necessary condition for change. For example, in the area of information, the country is currently focused on collecting primarily negative youth information, e.g., teenage births, dropouts, and juvenile arrest rate. Inspiring a 180 degree shift, we need to collect information such as: average number of hours youth participate in after-school activities, computer to youth ratio in non-school hours, and the percentage of youth who hold part-time jobs. The three elements are intertwined, for how information is gathered and communicated impacts attitudes as well as how and if people choose to become involved.

Only through broad community commitment, strong public will, and diverse partnerships can youth development take root, go to scale, and be sustained over time. Ultimately, the mobilization must be supported by partnerships among all of the systems in a community that affect young people (i.e., education, corporations, health care, juvenile justice, religious groups, and recreation). To build these relationships and establish youth development infrastructures to improve developmental paths of adolescents will take at least 10 years.

Localities currently spending their resources on efforts to “fix youth” will need to pool, redirect, and increase their financial commitment to youth development. These additional dollars will ensure all youth equal access to supports and opportunities, especially youth living in economically distressed areas.

Our information on the services young people need, and use, is still hit or miss. Communities do not know what they have or what they need. They usually have no way to tell how well services are being used and what services need to be improved.

Good information is important for youth services for exactly the same reasons it is important for everything else. Accurate, accessible standardized information lets people find the services they need and use them effectively. It lets communities manage, evaluate and improve their services and determine the need for changing them, eliminating them, or developing new ones.

Many national efforts to measure outcomes presently use deficit-driven indicators to assess young people’s condition in society, such as teen pregnancy rates, juvenile crime numbers, and percentages of high school dropouts. Although these measures are important, they do not tell the whole story about young people’s experiences. Measures that reflect positive conditions and experiences of young people are also important.

The accelerated trend of the past decade toward empowering our nation’s young people to succeed has fostered a new awareness and commitment to this most valuable resource. Some basic questions are:

- How much do we currently spend?

- How much should we spend?

Some progress has been made through new initiatives in education finance reform and services integration, providing more effective delivery of social, health and educational services for children and youth from the classroom up to the government. This document establishes an initial framework and formula for assessing the financial resources and mechanisms necessary to move American society closer to this ideal. The following were found to be potential root causes of these trends in spending:

- Devaluation of adolescents.

- Lack of consensus on youth development.

- Lack of adequate and protected funding. Funds are not protected and dedicated in the manner necessary to sustain the long-term, comprehensive process that is youth development.

We can support the move toward the ideal by:

- Seeking new types of information.

- Building on the after-school momentum.

- Making a sustainable public investment.

Youth development is an investment that must be made by each sector of the wider community – public and private. Examination of the federal-state matching, local dedicated taxes an incentives for business and philanthropy could lead to models for providing adequate and sustainable funding for youth development. National intermediaries must work to cultivate this leadership at all levels of government, and at the grassroots, by creating constituencies.

Several states are taking the lead from California, Oregon and Illinois by offering state-sponsored retirement plans that encourage or require private sector employers to participate.

The plans are referred to as auto-IRAs because eligible workers are automatically enrolled, generally within 30 days of employment. The default contribution rate is typically 3-5% of a paycheck and the employee can stop, restart or transfer plan assets depending on their needs. Referred to as “public-private partnerships” by the Pew Charitable Trust, there is no cost to the employer. Proceeds are managed by a private financial firm management for a pre-determined fee. The plans are subject to the Employee Retirement Income Security Act (ERISA) like other sponsored pension and benefit plans.

This article provides an overview of the states that currently offer savings programs, as well as those that plan to do so in the future.

OregonSaves

Oregon was one of the first states to implement a savings program for employees of small businesses who are not otherwise eligible for a workplace sponsored pension plan. Titled OregonSaves, it is a state retirement program that is available to an employer or an individual planning for the future.

OregonSaves had almost $57 million in assets as of mid-2020. Employee contributions averaged $127 to $135 per month as of that time.

Enrollment is automatic for employees, with contributions being made through payroll deductions. Each employee account is portable and can be moved from one job to another.

All Oregon employers, regardless of employee size, must facilitate the State’s program for their employees if they do not offer an employer-sponsored retirement plan. The plan is working with small employers to make the process as simple as possible.

CalSavers

CalSavers is available to California workers whose employers do not offer a workplace retirement plan, self-employed individuals, and others who want to increase their savings. Plan participants contribute to an Individual Retirement Account (IRA) that belongs to them.

California employers with more than 50 employees must register with CalSavers by June 30, 2021 if they do not already sponsor a retirement plan. Registration is available to all California employers with at least five employees.

The CalSavers program opened statewide in July 2019 and had $4.3 million in assets as of mid-2020. On average, participating employees contribute $105 to $120 monthly. Like the Oregon plan, the default savings rate is 5% of the employee’s pay and employees are automatically enrolled after 30 days of employment. They can stop, restart or transfer plan participation at any time if they change employers.

CalSavers Retirement Savings Program is designed to simplify employer participation with no employer fees, no fiduciary responsibility, and minimal ongoing responsibilities. Employers that fail to offer participation in the plan as required are subject to fines.

In May 2021, a federal appeals court in San Francisco dismissed a legal challenge to the CalSavers plan.

Illinois Secure Choice Retirement Savings Program

Illinois launched its Secure Choice Retirement Savings Program in 2018. It is a state-facilitated retirement program that is open to employees who work for an eligible employer as well as other employees who want to enroll independent of their employer. Approximately 32,000 Illinois employees saved $8.5 million in the first year of the Illinois Secure Choice program, according to state reports.

The Illinois Secure Choice account is a Roth IRA for the employee. The default savings rate is 5% of gross pay. Employees are automatically enrolled through payroll contributions after 30 days of employment. An employee can opt out at any time. Plan participants are charged a fee of 0.75% of assets per year ($0.75 for every $100 saved), which pays for program administration and operating expenses.

The Illinois Secure Choice had 5,544 registered employers as of May 2020. There are no fees for employers to facilitate the program and employers cannot make contributions to their employee accounts. Employers serve a limited role as a facilitator. As of November, 2019, employers with 25 or more employees that have been in business for two years or more are required to participate in the program. Employers that already offer an employer-sponsored retirement plan are exempt from this legislation.

New Jersey Secure Choice Savings

The “New Jersey Secure Choice Savings Act,” was signed into law in March 2019, with a two-year time frame scheduled to take effect in March 2021.

The Act requires employers that have been in business for two years and have 25 or more employees to participate in a retirement savings program administered through automatic payroll deductions. Private sector employees of businesses of any size are able to participate in the retirement savings program. Smaller or newer employers could join voluntarily. Failure to comply will result in fines to the employer.

Employees will be automatically enrolled at the leve of a 3% paycheck contribution. The annual contribution maximum is $6,000 for those under 50 years old, and $7,000 for those 50 or older.

Connecticut Secure Choice Savings Plan

Connecticut employers with five or more employees must offer a retirement plan to employees, and private employers with four or fewer employees may choose to do so. Employees are auto-enrolled within 120 days of employment, and employees must be notified of their rights within 30 days. Employers are not permitted to make contributions to the program.

The Connecticut Retirement Security Authority, a quasi-public agency, was formed in 2016 to oversee the program. The state estimates that as many as 600,000 employees may benefit from the plan.