I was raised on a large farm in Canada. Pressures existed there as well but at least I got to relax and enjoy the fruits of my labor. As you know, when winter comes everything slows down on a farm. I have had only three jobs in my life.  I spent three years in life insurance sales and was one of the top salespeople for Mututal of New York. Divorce led me to try and start anew.

So, I immigrated to the United States. I then spent a total of 17 years in real estate as a salesman then owner broker. The economy and interest rates of the 80's along with the late-life birth of my only son (I also have five daughters) led me to try and get a job with less pressures and smaller-priced items. So I chose car sales and that was tewenty years ago.

I chose a family-owned dealership with a stellar reputation for being honest and fair with their customers. I was with them for 13 years until the father passed away and the children sold out to one of the conglomerates. I worked for them for a week and then decided to retire. Two of my biggest investments for my retirement income, stocks in an oil company and a communications company, (I'll let you guess which ones) went down the tubes and I had to go back to work.

Four years ago, I found another family-owned dealership with a good reputation and I thought I had found a new home. But times change. In my area there are 17 dealerships who sell my brand of vehicle so if you don't give it away, someone else will. Even at that, I'm selling cars and trucks for more than what I sold a three bedroom house for twenty years ago. Now, with the information available, the customer knows the invoice of the car your selling, the market value of their trade, etc. So how can one make money? And now with the price of gas, It's even worse. People are wanting to trade in their gas guzzlers, which there is no market for, but they still want top-dollar for. But even after you agree on a price, you run their credit and find that they don't qualify. I remember the time where 90% of my sales had qualifying credit. Now it's down to about 30%. In many cases, that means having to sell a car as a loser, which the dealership will do instead of having to keep paying the flooring.

The end result was that every year my income was going down, down, down but my expenses were constantly increasing. The only thing to do was find another source of income. I tried several home-based businesses but it seemed that as soon as you got the qualifying sales or paid the fees, there was no further assistance provided. I went on several job interviews and was very surprised.I expected to be competing with lots of people younger than me but that was not the case. A lot of times, most of the poeple were my age (62) or older, and that got me thinking of all the older cashiers and greeters at K-Mart, Target, Walmart, etc. None of them planned or wanted to be there. They would rather be relaxing or with their grandchildren. Why are there so many people in the same situation I was in? We all worked hard and we saved our money but what happpened? What could we have done to make it different? And then I realized that at no time in our lives had we ever been taught to work or save smarter, but just to work hard and save. At no time in my past had there been a mentor or advisor with only my interests at heart and there are millions of people out there just like me.

I did some research to see if any such firm existed and guess what? Not only did I find out that one does exist but that they would provide a solution to my cash flow problem.

Now comes the exciting part. Not only did they provide the knowledge on being smarter, but they offered me a business opportunity and it has been very successful. They have the staff that does the selling, explaining, convincing, and follow-up. I do none of that, therefore I have no deadlines, sales goals, etc.and I have time to spend with my friends and family.

Remember there are millions of people out there that need the mentoring that I got. There are thousands upon thousands that are looking for some means of providing extra income, or are wanting to get out of the rut or out from under the job pressures. To give you some idea, it is projected that over the next four years over 73 million Americans will start a home-based business of some sort.

At any given time, there are hundreds of thousands of people seeking relief from financial pressures of all sorts either through a loan or are looking for ways to supplement  their incomes and in many cases I can provide the solutions.