Negotiating: Happy 4th of July

As we spend this 4th of July weekend with family and friends, let’s pause for a moment and think about what this Independence Day really means. As our country goes through hard times, let us remember that the sacrifices of those that have gone before us paid so we may enjoy the opportunities and freedoms which make this the best country in the world.

Happy 4th of July to you and yours, and don’t eat too much BBQ.

James A. Gage

Negotiating Tips: Tip 1 of 8

Hello All:

If you have read my blog for any length of time, you will know that I have given a lot of negotiating tips to you to use in your personal and professional lives. That being said, I would like to give you another 8 tips over the next eight posts; these too will allow you to have the edge on your opponent when negotiating!

Be willing to Negotiate:

Some people are too shy to talk about money. Others think it's rude or demeaning. And in many cases they're right. However, when it comes to doing a deal - and we all have to sometimes - being unwilling to engage in "money-talk" can be a very expensive business.

There are a lot of experienced negotiators out there. If you're buying a house or a car, or taking a new job, you can be sure you'll have to deal with such a person. If they can see you're timid about the whole business, many will take advantage of that fact.

You also shouldn't be shy about turning something that may not immediately appear to be a negotiation into one. If I'm buying a few expensive things from the same store, I'll often ask them to throw something in for free or reduce the price. Just because there's no sign saying you can do that, doesn't mean you can't. Often, simply by asking for something extra I'll get a better deal.

Until next time be well.

James A. Gage

Click Here for more great articles.

Negotiating Tip: Arriving at The Negotiations

Hello Everyone:

Today we will talk about arriving at the location you will be negotiating at. Now I know a lot of negotiations are done over the telephone, but today we will concentrate on in person negotiating.

When arriving at a location designated for the negotiations keep these tips in mind:

--> Always call the day of the negotiations to confirm! Nothing worse then to be the only one showing up!

--> Arrive 5-10 minutes early so you can scan your surroundings

--> Dress appropriately, always dress like a professional

--> Always present your business card to the receptionist

--> Shut off all cell phones and electronic devices

these are just a few tips you should keep in mind.

For more great negotiating tips Click Here

Until next time - be well.

James A. Gage

Negotiating Tip: Making Money with Foreclosures

Hello All:

I just got off the phone with a real estate attorney friend of mine that confirmed what I have been telling you, my faithful readers for the past 3 months! What's that you say? That the 3rd wave of foreclosures has begun to raise its ugly head. He said he can't handle the amount of individuals coming to him seeking loan modification/foreclosure help on properties that have first and second mortgages on them (AKA Prime loans). Also, individuals with home equity loans that are in default are starting to become more numerous!

Most individuals have been living off their credit cards hoping to trend water until a turnaround in the economy; but most have run out of time. My attorney friend said the average credit card debt he is seeing is between $50K - $200K; that means we will also see an uptick in bankruptcies!

If this trend continues, which I don't see any evidence it won't, we will see commercial foreclosures sky rocket! Fasten your seatbelts; this is going to be a bumpy ride…
So what does that mean for us as Independent Arbitrators? It means another avenue for income; mainly negotiating loan modifications, and possible negotiating that credit card debt if there is consistent cash flow in order to structure payment plans , and of course, enough money remaining to pay our fees

For more information on how you can cash in on this lucrative niche – click here .

Remember, those who can recognize trends and patterns, and act on them quickly will always make money in any economy.

Until next time be well.

James A. Gage

Negotiating: Happy Father's Day

To all of you that are Fathers out there - Happy Father's Day!

I wish you a great day with your family.

Be well.

James Gage

Negoiating Tip: Do you think there may be some opportunity here?

Hello All:

Thought you may be interested in this article I just read on the web. This is just conformation on what I have been saying about how, NOW, is the time to get your own Independent arbitration Business up and running - Don't miss out!!!!!

Bankruptcies surge despite law
Personal and corporate filings may reach 1.5 million in 2009

RALEIGH, N.C. — The number of U.S. businesses and individuals declaring bankruptcy is rising with a vengeance amid the recession, despite a three-year-old federal law that has made it much tougher for Americans to escape their debts, an Associated Press analysis found.

“There’s no end in sight,” said bankruptcy lawyer Bryan Elliott of Hickory, N.C., who is working seven days a week and scheduling prospective clients a month in advance. “To be doing this well and having this much business, it is depressing. It’s not a laugh-a-minute job.”

Nearly 1.2 million debtors filed for bankruptcy in the past 12 months, according to federal court records collected and analyzed by the AP. Last month, 130,831 sought bankruptcy protection — an increase of 46 percent over March 2008 and 81 percent over the same month in 2007.

Bob Lawless, a professor at the University of Illinois College of Law, said bankruptcies could reach 1.5 million this year and level off at 1.6 million next year — around the same time economists expect an economic recovery to begin.

Congress voted in 2005 to make bankruptcy more cumbersome after years of intense lobbying from the nation’s lenders, who complained that people were abusing the system. Before the move to change the law, bankruptcies were running at what was then an all-time high of about 1.6 million per year.

The tighter requirements initially appeared to work, with bankruptcies plummeting from a record-shattering 2 million cases in 2005 — a total that reflected a rush to file before the new law took effect — to 600,000 in 2006. But now bankruptcies are booming again.

Get started today in this lucrative business: http://www.NegotiatingForALiving.com

Negotiating Tip: Do I need a Negotiating Trainer?

One of the most important questions you have to answer for yourself as you build your negotiating business is who are you going to listen to and learn from?

This is especially true now with so many home based business marketers vying for your attention and screaming “me, me, me!”

I have found that there are 3 types of “teachers & trainers” on the internet, and only one type is always worth following:

Type 1 - Someone who has read a book or gone to a seminar on a topic, has never successfully done it, and is now going to teach you how to do it. I recommend my RLH response here: Run Like Hell!

Type 2 - Teacher has successfully done what you want to learn, is going to teach you, but is no longer doing it. Approach with caution: while you might be able to learn some good tips and strategies, you will be learning what got them where they are, not what they are doing right now to be successful. You won’t learn leading edge new stuff.

Type 3 - Teacher has successfully done what you want to learn, is going to teach you, and continues to do what is being taught. With this kind of teacher you get it all: what got them to where they are, what they are doing now to continue to grow, and what are the new next steps and strategies to keep you moving forward.

This is the kind of teacher with whom I will spend my time and money. By the way type 3 is what describes my One-on-One Mentoring philosphy which I have practiced for over 22 years!

My recommendation: Learn from and follow only those who have done it, are teaching it, and continue to do it in their own businesses every day.

If you agree as I do, that this is the best approach to becoming successful in the shortest time frame possible, please stop by : http://www.NegotiatingForALiving.com
and see the varity of programs we have avaiable to make you successful in todays market.

Negotiating Tips

Hello All :

I want to personally invite you to following me on Twitter : http://twitter.com/JGage
in addition to my blog I will be posting other valuable negotiating articles.

Here is to a prosperous 2009.

Be well,

James A. Gage

Negotiating Tips: Happy 2009

Happy New Year!

As we look forward to the great opportunities of 2009 in the Negotiating For A Living industry I want to share with you an e-mail that was sent to me; it said …

94% of people dwell on the negative, and 6% see an opportunity in nearly everything that comes their way.

I'm looking forward to 2009. I'm convinced it will be a year of great opportunity, as it will also be a year of great change and paradigm shifts!

The best advice I can give is to "prepare for change". Keep a level head, work-out what is working and what is NOT working, mix this with an opportunity, and change accordingly. If your horse is dead, get off it and find another (I'm into riding several horses at a time). If your horse is wounded, then decide if you are going to fix it or shoot it. BUT whatever you do – DO SOMETHING - take action.

Good business is a combination of hard work, commonsense, grit determination, and gut feeling!
In the coming weeks I will be giving you my take on what I see happening in the 2009 negotiating industry and how you and I can profit from it. To follow my insight and strategies, please visit my blog on a regular basis :

To a prosperous 2009,

James A. Gage

www.NegotiatingForALiving.com

Negotiating: The Economy & Leveraged Real Estate Investing

National Radio Debut

"The Economy & Leveraged Real Estate Investing"

Event Info

Host:	Brian Higgins & James Gage
Type:
Network:	Global

Time and Place

Date:	Saturday, November 29, 2008
Time:	9:00am - 10:00am
Location:	XM Satellite Radio Channel 169

Description

Hello All:
James Gage here, with a quick note to invite you my national radio debut on " The Economy & Leveraged Real Estate Investing" - the details are below...

See ya there.

Saturday, November 29, 2008

XM Satellite Radio Channel 169

"Mind Yo Business Radio Program. AKA MYB Talk w/ Brian Higgins"

Time : 9 AM, EST

Topic : " The Economy & Leveraged Real Estate Investing

Negotiating: Negotiating Your Salary in a Troubled Economy

It's time for your annual review with the boss, which means talking with your boss about a possible raise, a conversation that's rarely easy. A skittish economy doesn't make it any easier, with companies scaling back on hiring and spending. But take heart, salary negotiations should be handled with care and skill, but they don't have to be a burden.

Here are a few steps to make you successful in your salary negotiations…

1. Create a "mission and purpose" before entering the conversation. Your mission and purpose shouldn't be focused on more money; instead, concentrate on how you can benefit your employer, says Jim Camp, negotiation coach and author of "No: The Only Negotiating System You Need for Work and Home." "When they [employees] are really driven by their mission and purpose for their employer, their value will be so great, the employer will promote them and give them pay raises without them asking," Camp explains. He says it's easier than ever to get a raise by defining a mission and purpose, because it's what employers want, but very few workers do it.

2. Track your success. Employees should keep careful records of their accomplishments throughout the year, including paper files and emails that clearly show how they performed in relation to their goals..

3. Know your market value. Research what others in your position earn, and find out if you're up against any obstacles, Camp says. "Has the company just laid off employees? Is there new management in the wings? Know all issues that might keep your boss from giving you a raise. State each problem clearly and ask your boss how these problems might be solved," he explains.

4. Consider where you stand with your manager. "If the average raises are 2 percent and you are asking for 4 [percent], you better know that your manager really loves you," Rosenberg says.

5. Show respect. This means respect for yourself, your boss, and the negotiation! Go into the conversation accepting you can't guarantee an outcome, but knowing you can control your approach. If you exercise respect, the negotiation at least won't tarnish your reputation or make things worse.

How you handle yourself in a difficult conversation is where people really measure what they think of you -- your character is formed there!

6. Leave the script at home. While it's smart to prepare, sounding rehearsed can be a turnoff to your boss, so I suggest people go in assuming a lot of uncertainty, and have tactics to deal with uncertainty, rather than trying to guarantee how a situation will go. Scripting what you say will make the counterpart feel like [he or she isn't] supposed to be a party to the conversation," she says.

7. Think long-term. Canter says the savviest employees focus on opportunities, not just money. Think carefully about what you want besides more money. Troubled economies provide opportunities for employees to take on new work and potentially develop new skills and visibility. Think about what kinds of skill and experience you need to make yourself more marketable at this job or another and be prepared to suggest new or additional assignments in lieu of, or in addition to, more money."

Negotiating Article of The Month

Negotiation Techniques That Make You A Better Negotiator

Prepare for battle. Enter a negotiation without proper preparation and you've already lost. Start with yourself. Make sure you are clear on what you really want out of the arrangement. Research the other side to better understand their needs as well as their strengths and weaknesses. Enlist help from experts, such as an accountant, attorney or tech guru.

Timing is everything. Timing is important in any negotiation. Sure, you must know what to ask for. But be sensitive to when you ask for it. There are times to press ahead, and times to wait. When you are looking your best is the time to press for what you want. But beware of pushing too hard and poisoning any long-term relationship.

Leave behind your ego. The best negotiators either don't care or don't show they care about who gets credit for a successful deal. Their talent is in making the other side feel like the final agreement was all their idea.
Fine tune your listening skills. The best negotiators are often quiet listeners who patiently let others have the floor while they make their case. They never interrupt. Encourage the other side to talk first. That helps set up one of negotiation's oldest maxims: Whoever mentions numbers first, loses. While that's not always true, it's generally better to sit tight and let the other side go first. Even if they don't mention numbers, it gives you a chance to ask what they are thinking.

You have not, because you ask not ! Another tenet of negotiating is "Go high, or go home." As part of your preparation, define your highest justifiable price. As long as you can argue convincingly, don't be afraid to aim high. But no ultimatums, please. Take-it-or-leave-it offers are usually out of place.

Anticipate compromise. You should expect to make concessions and plan what they might be. Of course, the other side is thinking the same, so never take their first offer. Even if it's better than you'd hoped for, practice your best look of disappointment and politely decline. You never know what else you can get.
Offer and expect commitment. The glue that keeps deals from unraveling is an unshakable commitment to deliver. You should offer this comfort level to others. Likewise, avoid deals where the other side does not demonstrate commitment.

Don't take on their problems. In most negotiations, you will hear all of the other side's problems and reasons they can't give you what you want. They want their problems to become yours, but don't let them. Instead, deal with each as they come up and try to solve them. If their "budget" is too low, for example, maybe there are other places that money could come from.

Stick to your guns. As an individual and a business owner, you likely have a set of guiding principles — values that you just won't compromise. If you find negotiations crossing those boundaries, it might be a deal you can live without.

Close with confirmation. At the close of any meeting even if no final deal is struck recap the points covered and any areas of agreement. Make sure everyone confirms. Follow-up with appropriate letters or emails; do not leave behind loose ends.

For more informative resources visit : http://www.NegotiatingForALiving.com

Negotiating Tip

Don't Argue

Negotiating is about finding solutions...Arguing is about trying to prove the other person wrong. We know that when negotiating turns into each party trying to prove the other one wrong, no progress gets made. Don't waste time arguing. If you disagree with something state your disagreement in a calm ,but assertive way. Don't demean the other person or get into a power struggle.

Be well,

James A. Gage

Negotiating: The Economy and Independent Arbitration

Hello All:

I thought I would post this article on my observations on the economy and how it pertains to our profession.

“With all the recent problems in the financial sector (especially in the banking sector), it’s getting easier to settle with the banks?” I’ve been hearing this type of question a lot lately. The past year or so has seen an avalanche of economic problems, beginning with the financial tsunami in the real estate market, the sub prime mortgage fiasco, the banking credit crunch, liquidity problems, the Fed shoring up the economy with multiple interest rate reductions, the bailout of Bear-Stearns (the fifth-largest investment banking firm on Wall Street), bailing out Fannie Mae & Freddie Mac and so on.
It’s logical for consumers/businesses considering independent arbitration to wonder if all this grim news is “softening up” the credit card banks for better settlement deals. The answer is, well, “no and yes.” No, because overall, it’s really just “business-as-usual” in the settlement industry. I personally have seen no drastic changes in settlement practices as a consequence of recent economic problems faced by the banks. You have to remember that we’re talking about huge companies, and they do not change direction quickly or easily.

On the other hand, some creditors have softened up a little, so that’s the “yes” part of the answer. But it’s important to understand that the banking industry is not one big monolithic enterprise. Different creditors behave differently. So while some of the banks seem to be slightly easier to settle with lately, others have gone in the other direction and stiffened their resistance to losses. Generally, this all translates to somewhat lower settlement percentages with some banks, and somewhat higher percentages with others. So overall, nothing much has changed from my own perspective, where I deal day-in and day-out with a wide range of consumer debt obligations.

Bottom line: It’s still the same game as it ever was, and consumers should not count on “extra” help from the banks they’re trying to settle debts with. As time goes by, current economic conditions may yet have a deeper effect on settlement practices, but so far there has not been much of a noticeable difference

Negotiating: Negotiating for Profit Articles

Hello All:

I hope this post finds you and yours in good health. On behalf of myself and everyone here at Negotiating For A Living, we wish you a restful and enjoyable Labor Day.

While you're enjoying your holiday please take a few minutes and visit my web site article section on the very latest tips, strategies, and what's happening in the negotiating for a living industry:

http://negotiatingforaliving.com/Free-Negotiating-Articles.html

http://negotiatingforaliving.com/negotiating-articles.htm

Until next time, be well.

James A. Gage

Negotiation Techniques That Make You A Better Negotiator

Prepare for battle. Enter a negotiation without proper preparation and you've already lost. Start with yourself. Make sure you are clear on what you really want out of the arrangement. Research the other side to better understand their needs as well as their strengths and weaknesses. Enlist help from experts, such as an accountant, attorney or tech guru.

Timing is everything. Timing is important in any negotiation. Sure, you must know what to ask for. But be sensitive to when you ask for it. There are times to press ahead, and times to wait. When you are looking your best is the time to press for what you want. But beware of pushing too hard and poisoning any long-term relationship.

Leave behind your ego. The best negotiators either don't care or don't show they care about who gets credit for a successful deal. Their talent is in making the other side feel like the final agreement was all their idea.

Fine tune your listening skills. The best negotiators are often quiet listeners who patiently let others have the floor while they make their case. They never interrupt. Encourage the other side to talk first. That helps set up one of negotiation's oldest maxims: Whoever mentions numbers first, loses. While that's not always true, it's generally better to sit tight and let the other side go first. Even if they don't mention numbers, it gives you a chance to ask what they are thinking.

You have not, because you ask not ! Another tenet of negotiating is "Go high, or go home." As part of your preparation, define your highest justifiable price. As long as you can argue convincingly, don't be afraid to aim high. But no ultimatums, please. Take-it-or-leave-it offers are usually out of place.

Anticipate compromise. You should expect to make concessions and plan what they might be. Of course, the other side is thinking the same, so never take their first offer. Even if it's better than you'd hoped for, practice your best look of disappointment and politely decline. You never know what else you can get.

Offer and expect commitment. The glue that keeps deals from unraveling is an unshakable commitment to deliver. You should offer this comfort level to others. Likewise, avoid deals where the other side does not demonstrate commitment.

Don't take on their problems. In most negotiations, you will hear all of the other side's problems and reasons they can't give you what you want. They want their problems to become yours, but don't let them. Instead, deal with each as they come up and try to solve them. If their "budget" is too low, for example, maybe there are other places that money could come from.

Stick to your guns. As an individual and a business owner, you likely have a set of guiding principles — values that you just won't compromise. If you find negotiations crossing those boundaries, it might be a deal you can live without.

Close with confirmation. At the close of any meeting — even if no final deal is struck — recap the points covered and any areas of agreement. Make sure everyone confirms. Follow-up with appropriate letters or emails. Do not leave behind loose ends.

What is Debt Arbitration?

By James A. Gage

Debt Arbitration is the industry created around the practice of debt settlement. Debt arbitrators are third-party institutions or individuals that work on behalf of their clients to negotiate out-of-court settlements for old bills, invoices, lawsuits, liens, medical bills, utility bills, judgments, and other types of significant debt. Typically, debt arbitrators are in lieu of credit counseling as a way to avoid bankruptcy. Due to the 2005 bankruptcy law changes, it is almost impossible for businesses to file bankruptcy and walk away from their delinquent debt. As you can see there is an unbelievable opportunity available for someone who is looking for a career change, mother(s) hours, small business or home based opportunity.

Some other names people referrer to Debt Arbitration are: debt settlement, dispute resolution, civil arbitration, and what we at Negotiating For A Living have created “Independent Arbitration”.

Debt Arbitration Process

The major difference between debt arbitration and credit counseling is the fact that debt arbitrators work independently on behalf of their clients, while credit counselors work on behalf of credit card companies. Debt arbitration itself is conducted through something known as debt negotiation. During this process, arbitrators negotiate a lump sum settlement for amounts owed to credit card companies, creditors, IRS/DOR tax obligations and pending litigations - typically, at a significant discount to the actual amount owed. Clients then make more affordable payments to the debt arbitrators to pay off the remaining balance.

Industry Regulation

In the US no states currently require any form of licensing for debt arbitrators; the industry relies on Negotiating For A Living. Com to certify and provide ethical standards to those who train and practice debt arbitration.

For more detailed information on this industry opportunity, click on the link : “ Video Negotiating For A Living” on the left hand side bar.

Want A Recession Proof Business?

Are you worried about the economy? Nervous about your job security? Wondering how you will manage to pay your bills or mortgage in the credit crunch? Recession always puts a lot of people on edge - but not everyone. It depends on the business you’re in. There are such things as recession proof business opportunities and right now I know I’m in the right business!

If you think about a recession in a positive way, you can choose to see it as an opportunity for change. So, you might lose your job or have less to spend. But what if you didn’t really like your job in the first place or you were looking for a career change- where would you turn?

In today’s world more and more people are beginning to recognize that a traditional job is not the only way to earn money - and in fact the way we have been taught (get a good job, earn a regular income, retire in your sixties) is not as secure as it once was, and that is only too apparent every time there is a recession, just ask the people at Enron!

Setting up a home business may not be an immediate answer to today’s pressing bills - it will take time to grow -but it is certainly an investment against future economic downturns. And if your job is currently threatened, it would do no harm to start off a home business now as a commitment to a more secure future; remember the old saying “prepare for a rainy day”.

Many people are put off starting up on their own because of the costs involved. But in my business the start-up costs are minimal. Even if your budget is less than $100.00 you have the chance to create a business that will grow into something big, as long as you implement my leveraged strategies.
Running an independent arbitration home business is fun and exciting. It is also takes some work and minimal time. But compared to an ordinary job, for me the rewards far outweigh the daily grind of working for someone else in a job that might not last anyway. I know that my financial future is secure. Is yours?

Recession proof business opportunities come in many shapes and forms. Why not have a look at http://www.NegotiatingForALiving.com and see if you can find something that suits you? At the worst, you will discover a new world of opportunity for the cost of a few dollars. At the best, you will provide yourself with future financial freedom.

When Negotiating a Real Estate Purchase Use These Red Hot Tips

Negotiating may be the most critical part of the real estate purchase process. Being able to strike an advantageous deal with the seller virtually guarantees your profit. Negotiating is both an art and a skill that you will master with time and practice; I call it the “Million Dollar Skill”. Here are six tips to get you on your way to profitable transactions.

Know the Property

You should know as much as possible about the real estate purchase you’re about to make. This knowledge comes from researching the neighborhood and knowing how the property compares to others around it along with the cost of potential repair items you may find.

Know the Seller

The best way to learn more about the seller is to listen; use the 75/20 rule, listen 75% of the time and speak 25% of the time! People will be more likely to volunteer information if you give them a chance to talk. But if you aren’t finding out what you need to know, ask questions. Understanding the seller’s situation and their possible flexibility will help you negotiate financing options as well as price.

You also need to find out what the seller’s motivations are. Why are they selling? Or in the case of foreclosure what circumstances brought them to this unfortunate situation. Understanding the reasons behind the sale can help you structure a deal that meets their needs and yours.

Think Win-Win

The best real estate purchase deals result from negotiations that seek to provide something to both parties. There are certain things you want out of the deal and certain things the seller wants in order to sell. Every real estate purchase has several facets. If you can give the seller something they want, that will increase your chance of getting something you want.

Negotiate Terms, Not Just Price

Price is not your only negotiating point. Sometimes the terms of the deal are more important to the seller than the price. Once again, if you can address the seller’s needs in a real estate purchase, your offer will be more persuasive.

Maintain Control

If the seller counters your offer with an offer of his own, don’t let things spiral out of control. Prepare for counter offers by starting your negotiations low and have plenty of concession points. Don’t focus on price, but use other aspects of the deal in your negotiations. Don’t re-negotiate things that have already been decided.

Be Prepared to Move On

Don’t walk away from an attractive real estate purchase without offering your best deal, but know when it’s time to walk away. There will always be another property.

As you can see from these tips, negotiating a real estate purchase is more than two people in a room. Negotiations are won or lost in the preparation. Achieving the outcome you desire depends on your research and mental preparation.

Until next time – be well.
James Gage

Mondays & The Negotiating Business Opportunity

Hello All:

Monday afternoon...whew! These are rough.

Just after lunch, we're a little sleepy, maybe regretting having too much fun over the weekend. But really, by now we're probably looking at that to-do list from Friday that
didn't miraculously disappear over the weekend.

Just makes you want to lay your head on your desk, doesn't
it?

But it's time to gear up for another few days of hard labor...unless you've plugged into the Independent Arbitration opportunity I keep telling you about.

No, I'm not talking about fly-by-night business opportunities that promise
no work and all the money. I run away from those as fast as possible! But more realistic goals for real business people who want to work smarter...and do the work once and get paid extremely well. That's where's it at.

Nobody has done more than I, James Gage to simplify this opportunity and make it achievable for all.

<- Please follow the link over here on the left hand margin, entitled “Video” and see how you can become recession proof.

If you need any motivation to take a look at this opportunity, just watch the evening news: stock market plunges again, jog loss claims up, 2 more banking institutions fail, dollar weak, food prices escalate, small businesses filing bankruptcy at record numbers etc…

My business opportunity model shows you where to find negotiating niches, how to do the research, what tools to use and how to plan a productive, profitable, leveraged business that you actually care about, and can sell a few years down the line for hundreds of thousands of dollars if you choose.

So, for less than lunch for you and your friend or loved one over the course of month’s time frame, you can be fulfilling your own dreams today.

I can guarantee you won't be putting your head back on your desk after you start reading this report.

Peace & Prosperity!

James A. Gage