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If
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Will
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-
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below for these portals) That's right, I said
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there are no limits.
No
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- 106 Passive
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We
took the Home Income Portal and fused it with the best-known
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internet requires
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every Portal.
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Yep,
that is right - You are
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its all yours - Every one
of the 106 Website earn
you passive income directly.
Therefore, lets get real. Most newbies
- Heck !!, 99% of all New Entrepreneurs online will fail in
the business adventures because of these reasons ...
OK,
Sounds Great......So How Does It Work?
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The
Home Income Portal
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consists of a totally installed marketing infrastructure that sprawls
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Simply
put, pretty much anyone can use
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Income Portal
The Home
Income Portal ..
Each
Home Income Portal site is custom built
around unique 106 Domain Names.
We install your complete Passive Income
Websites.
No
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Your Home Income Portal is automatically
updated and maintained by our professional staff.
No
Products Needed! Each Home Income Portal automatically
places the hottest selling products instantly
in each page of your Home Income Portal.
Your
Home Income Portal automatically displays
thousands of ClickBank products with your
ClickBank nickname built right in!. Each
product pays you up to 75% commission.
More Flexibility & Control?
That means that no two
Home
Income Portal
sites will ever be the same, you offer your customers unique content and
products. It is simply the
most powerful and dynamic way to build
your Passive income from Home.
Honestly, if you can't make money with The Home
Income Portal, you are either in the wrong business
or you are dead. Nobody & I mean NOBODY offers you what Home
Income Portal does.
Plug-n-Play' Live online Business
Generating Sales & Income all Year Round in
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This is your online Business. no hype, Your
customers pay you Directly. This is not an affiliate program,
its your business.
Your Customer Pay You 100%
(percent) of the Full Retail
Subscription Price Directly for all your Products
and Services like Traffic
Magnet and Banner Fiesta.
Immediate Products and Services provided,
No need to develop and build a product or service
by yourself for sale. (see
products and services below)
Traffic Stream Installations.
We continue to Install Each Traffic Streams
directly to your Portals. It is very Time Consuming, since each
is done manually for you.
Advanced Auto Bot Technology
State of the Art Technology automates the entire
process in building and generating sales for you.
Your followers are
on self growth. This means you will have hundreds of thousand
followers coming to all your Portals. This,
will create 2 Events,
Grow your Backlinks Automatically
Direct Traffic To Your
Portals
Your Customers Start Buying From You.
No Hidden Costs, Simply a Hosting
Subscription
All of the above features, to get your Income
Recovery Program started right away with your online
business.
Complete All Year Round online Business Hosting.
You do not need to worry about Hosting Accounts,FTP,
uploading or Bandwidth. We Host your entire online
Business Live, all year round.
Your Team Install and Host your (completely
designed and ready to do business on the internet
) online
Business Website
Your online Franchise Business is Live doing
business on our network of servers
.
Handle all Maintenance and Support entirely
on a Subscription Basis
Nothing on the Internet compares to it,
you get it all with the Home Income Portal Franchise Website. Unlimited
Bandwidth, No Fuss,No Worry Hosting Solutions for your online Business,
products and services, affiliate income and
Multiple Streams of Income.
All your Customers receive Full Customer Support
from a Central Support Department. You invest more
of your time building your online business.
Full Professional Web Design and Update.
A Design Team creates Professional Web Design
and updates it seamlessly for you. No need to create Websites
or anything. Expert Web Designers do it all for you.
Search Engine Sitemaps Created.
You need your online business to get Organic
Traffic from Search Engines across the Internet.
We create the Sitemaps and Submit them to Search
Engines across the Internet for you.
Back Links to all your Portals.
Your team manually build 'back links'
for each
of your Portals to get it visible on the Internet.
Page Rank
Rules, and building back links is the most powerful
way to achieve this.
Integrated Traffic Streams Constructed Directly
to Your Portals. We've ensured that all search engine optimisation
techniques including naming of images, alt and H1 tags
and inner linking has been coded into your Home Income Portals across
the Internet Worldwide.
This will help your sites rank higher in the
search engines.
Live Real Time Update
- One Stop Update. Complete your Owner Profile in the Owners Lounge
and your Retail online Business is instantly updated
Live in Real Time.
Clickbank
Products is at the forefront
in creating daily success
stories for the Home Entrpreneur.
All Products sold,
pay to you the Full Commissions
Directly by clickbank. All
it takes is this - Enter
your clickbank nickname
in your Profile, and clickbank
pays you directly for every
one of their 170,000 electronic
products sold.
The Clickbank Mall is
a fully hosted resource
that sells your 170,000
clickbank products fulltime,
all year round to drive
profits directly to your
home.Companies pay you directly,
We simply install them for you.
And the best part is, you can visually see exactly
how much money you're making simply by logging into your account and
looking at your daily sales!.
I love
clicking on my earnings more than anything in the world and, I check it
all throughout the day! It's really motivating to instantly see the
money you're making.
You don't have to wait and see your pay...
you can see it verified
anytime you want in your personal account. It's a really amazing,
comforting, and uplifting feeling you have to experience for yourself!
Of course, if you subscribe
today you WILL get to experience this!
You
can Stop a Lack of Income
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Here
is a List of Affiliate Income
you can immediately signup
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This
List is compiled from sources
across the Internet by The
Research Department, and
rigourously tested for stability,
security and dependability
(Never missed an Affiliate
Payment). They will provide
you with a combination of
Passive Residual Income
and Recurring Income, all
in the Comfort of your
Home.
You don't have to wait 2 weeks, a month, or even one
week to get paid - not at all! With the companies that will be paying
you, they pay you when orders roll in! Guess what, you will be having a
LOT of orders rolling in so I hope you're ready!
It gets better, almost 75% of the companies pay you on the very same
day! The other 25% only take 2 - 3 business days to transfer the money
you make directly into your bank account.
The companies are reputable and I've never had a problem with late
payments in the 8 years I have been working online full-time.
It makes this an outstanding opportunity for anyone who needs money right away!
And so you know, the personal account you will set up when you join is very easy to use.
It was specifically designed so that even someone with no computer
experience at all could learn to use it in just a few minutes!
If you know how to check your email and surf the web, then learning how
to navigate around your personal account will be jut as easy.
You will get clear step-by-step instructions, and everything is
straight-forward, with easy to fill out forms, easy to read text, and
big visible buttons.
You could choose how often you want to workYou can achieve financial freedom and never worry about money ever again
You can have all the time you want to spend with your familyYou can take vacations when you want, and for how long you want
You don't have to ever wake up to an alarm clock anymore .You can do this part time or full time, you choose
You can work from home, or anywhere else in the world .You can work in your pajamas if you don't feel like dressing up
You don't have to drive anywhere and waste money on gas for work .You won't have a boss hovering over you anymore and telling you what to do
You don't have to worry about getting fired or laid off .
You won't have to deal with office politics or nasty co-workers
You can give yourself a pay raise anytime you want
I want to work from home or anywhere else I choose.
I want to have a job that will give me all the free time I want.
I want to spend more time with my family.
I want an income that will give my family more than we need.
I want to travel whenever I want.
I want to do something that I enjoy.
I want to be able to make as much money as a doctor.
I want something that will be easy to do.
I want to only work a few hours a day.
I want to be able to make money whether I'm actually working or not, automated income.
I want (and need) to start making money right now.
Text
Ads Income Streams
Click
here for Text ads Income streams installed for your
online business. Companies pay you directly, We
simply install them for you.
Hot Zones on this Portal, and on all 106 Portals is
beamed directly from The Marketing Command Center
Live Content beamed directly
from The Command Center to Hot Zones on your Income Portals.
These Ads are fiercely competing online for Sales. This is the ultimate technology that converts
visitors into customers. All implemented for you behind the scenes
in a seamless and transparent manner.
LIVE
HOT ZONE
If you find yourself attracted to someone else, what is the very first
thing that comes to your mind? What is the very feature that you find
alluring in this other person? How can you identify very specifically
what is it about this person that is magnetizing you.
Being attracted to a third party is an intrusion on your intimacy with
your partner, but why not using this element as a guide or tool to
pinpoint the changes that need to be made within yourself, your partner
and your relationship.
Physical Attraction
What makes a dark skin, brown skin, milky white skin, blonde, brunette
or redhead more or less desirable to you? Does it suggest the comfort
of being more at home with the familiar or perhaps the opposite the
excitement of the unknown?
How can skin or hair color be more significant? What about her hazel or
violet eyes and that high cheekbones? Does being with someone of a
different skin, hair or eye color, served as a declaration of freedom
and breaking away from traditions and breaking loose from expectation,
perhaps?
The answer lies in being able to identify specifically the quality you
are attracted to and find a way to re-activate it in your partner the
very element that got you attracted to your partner when you first met,
cherish the way she looks, the epitome of your desirability.
Sexual Attraction
What does sex actually stands for? It can stands for anything pleasure,
excitement, fun, desire, physical relief, self-esteem, intimacy,
freedom, a sense of masculinity and a host of other things. Sex in our
culture is very often used to presumably, get you anything you want.
If you do start longing to have sex with someone else, look deeply
within yourself to see what you really want. Does that hot babe with
that sexy body really turns you on? No, it is not her body, it is you.
You can transform your desire into a powerful force that enhances
intimacy instead of destroying it. Your partner can be as hot as any
babe of your dream. You can get that same excitement with your partner.
Touch your mate with loving enthusiasm and admiration for the special
person they are. Touch them with your emotions. Yes, routine sex can be
boring and sometimes, destructive.
When involved in a loving exchange, there is no such thing as
perversion. Each variant of sex act can be a beautiful expression of
shared feelings giving, taking, feeding, nursing, playing, expressing
masculinity strength and tenderness. What you do sexually is another
expression of how many ways can I tell you I love you?
Emotional Attraction
Is the person to whom you are attracted to warm, romantic, caring and
supportive, playful, lively, vivacious or maybe, a dreamer? If any of
these or other emotional facets of your personality have not been
developed or are not fulfilled in some way by your partner, obtaining
them can become a driving force in your life.
When someone comes along who appears to have the necessary attributes
to fill that void, you become emotionally attracted to them. This can
extend into physical attraction that becomes too strong to resist.
What to do with a partner who does not share emotions? You cannot be
intimate with someone who does not share your feelings or, even worse,
does not seem to have feelings. Start by telling your partner that you
love them, and each time they share a feeling there is more of them to
love.
Express your loving appreciation with tenderness and caring. Add
passion, and keep the enthusiasm in your ardor fresh. Be extravagant in
your praise and your expression of love.
Your emotional connection allows you to share each other s feelings.
The more you are able to share and experience each other s feelings,
the trust for each other expands. Sharing your emotions will put you in
a position to have a much fuller life.
Spiritual Attraction
Do you feel uncomfortable in your relationship with someone of a
different religion and background and fall for a person of your own
faith who makes you feel more at home. The reverse can also be true.
Sharing your growing curiosity and excitement about spirituality a
force that transcends individual boundaries promotes an exciting
feeling of intimacy that can be as intense and rewarding as the best
sexual intimacy. What is more, that the feeling can last much longer.
If you are missing this is your relationship, you may find yourself
looking for it elsewhere.
Here are some guidelines that have heavenly pay-offs. Think of these
guidelines as statements of intent that are pleasurable to carry out as
expressions of caring.
When you think of your partner, surround each thought with joyful appreciation for the miracle of their presence on earth.
Each time you see your partner is an opportunity to silently experience
the wonder that, out of millions of people in the world, she has chosen
you for her devotion.
Let the energy of caring and love course through your body. Use these
sensual feelings to enhance love and turn love into sexy soul food.
Celebrate your partner s efforts and achievement with enthusiasm. Sharing enthusiasm with other is the nirvana of love.
Satellite Portals on 106 Domains Actively
Selling to Customers For You night and Day.
Thousands of Dynamic Article embed pages are
implemented searching the Internet 24/7 For Hungry and "Ready to Buy" Customers
to deliver to your Home Income Portal to Generate Sales
and Income For You.
One of the most important steps in a successful retirement plan is to estimate how much money you need to retire. This is actually a fairly straightforward task because there are simple mathematical formulas and easy to use online retirement calculators designed to help you. The process is well understood and the tools are easily accessible on the internet.
Using a “Retirement Calculator” is really pretty easy; the most difficult part is accurately estimating your key expenses during retirement (i.e. health care costs, living expenses, long term care, etc). In other words, it is easy to create a retirement estimate but surprisingly difficult to do it accurately.
Learn More Visit: http://www.HowMuchToRetire.com.
The reason it is difficult to create an accurate estimate for the money you need to retire is because the accuracy is dependent on the assumptions you use. The unspoken truth about retirement planning is the validity of the assumptions used to determine how much you need to retire will make or break your financial security.
The Problem with Making Retirement Assumptions
Below are the six common assumptions required by nearly all retirement calculators to determine “how much do I need to retire:”
1. Annual spending budget
2. Estimated inflation rate
3. Expected lifespan
4. Annual income from sources other than savings
5. Estimated return on investment
6. Expected retirement date
As you read through this list of assumptions you probably realized something – they can’t possibly be answered accurately. Think about it. All but one requires you to predict the future—something no one can do reliably without a crystal ball. In fact, only one question can be answered with confidence because it is the only one you have any control over (number 6 in case you haven’t guessed).
Amazingly, conventional retirement planning requires you to provide assumptions that are impossible to estimate accurately in order to determine how much money you need to retire. It is insanity. If you vary these required assumptions within a reasonable range of probable outcomes you will find the estimate for your retirement savings can vary by two to three times the original amount.
In other words, one set of assumptions might result in $750,000 of retirement savings needed, and an equally plausible set of assumptions might estimate $2,250,000 in required savings. The difference is huge, and yet both set of assumptions are equally likely to be true. The whole process can leave you wondering what is the real retirement number and how can you ever retire in confidence?
Below we will look at each of the assumptions necessary to accurately answer the question, “How much do I need to retire?” so that you can better understand the issues involved.
Learn More Visit: http://www.HowMuchToRetire.com.
How to Properly Estimate a Spending Budget for Retirement
Most traditional retirement planning models assume you will need 75 to 85 of your working income in order to maintain your standard of living after you retire. The idea is that you will save on work related costs like commuting and a professional wardrobe, as well as the expense of raising children. The formulas also generally assume that your home will be paid for and you will enter a lower tax bracket.
The truth is every individual has a unique set of circumstances that affect retirement spending. Today’s retirees lead longer and more active lives driving up the total cost of living in retirement. The expenses of hobbies, leisure activities and travel can easily offset any decrease in work related expenses.
Your health care expenses are also likely to increase as you age, not to mention the price of long term care if you don’t have insurance to cover that. If you still have a mortgage on your house or a child in college, your expenses during your first few years of retirement may be equal to or greater than before.
The reality is you must plan a personalized retirement budget that reflects your unique plans for retirement. Some will spend more than their current income during retirement, and some will spend less. The research on retirement spending indicates a wide variance in retirement spending patterns with most people reducing spending as they get older. Any way you look at it, the 75 85 rule of thumb is a dangerous assumption that is best ignored.
Reasonable Assumptions For Inflation During Retirement
Most retirement calculators assume a modest 3 inflation rate. This is based on recent history (the last 20 years or so) and implies that your spending in nominal dollars will roughly double every 24 years.
The problem is if inflation increases to 6 (not a far fetched possibility) then your spending will double every 12 years instead. That obviously makes a very big difference in how much you need to save for retirement. Rather than watching your expenses double once or maybe twice during retirement you could see them double 3 or 4 times which would drastically affect what you could afford to spend.
Historically, inflation has fluctuated from negative numbers to double digits during wartimes and has shown prolonged periods of higher rates than the commonly assumed 3 . Given current conditions with high government debt and deficits combined with entitlement funding problems, many credible economists predict increased inflation over the next 20 years.
So how much will you assume for inflation when calculating how much money you need to retire? A percentage point or two can make a dramatic difference. I suggest using a range of assumptions varying from 3 on the low side up to 6 on the high side depending on how conservative you want to be in your retirement planning.
Estimating Life Expectancy is Key to an Accurate Retirement Plan
Isn’t it amazing that retirement planning requires you to estimate your life expectancy? Talk about an impossible task.
Sure, you can estimate your lifespan based on family history and your current health and medical conditions, but no one can possibly know how long they will live with any confidence. There is zero actuarial validity to estimating a single lifespan. You are no more likely to live until age 80 than you are to die tomorrow. For any one person life expectancy is random. It is only a valid statistical concept when large numbers are involved – not individuals.
Yet life expectancy has a major impact on figuring how much to save for retirement. The reason is because funding 20 years of retirement is dramatically different from 40 years or more. In the first scenario you can spend principal and the effects of inflation are reasonably manageable, but in the second scenario you not only can’t spend principal but you must also develop a perpetual income stream that grows faster than inflation. In short, different life expectancies imply dramatically different retirement savings requirements.
The conservative solution is to assume the best and plan on a very long life – longer than the actuarial tables estimate. If you come up short the worst that will happen (besides dying early) is you leave a nice legacy behind. If you live a full, long life you will need every penny. Many complain that a long life expectancy pushes retirement savings goals out of reach, but the truth is roughly half those people will outlive the averages and require the greater savings anyway.
Estimating Income from Social Security, Pensions and Annuities?
While Social Security will not likely disappear altogether, the inflation adjusted value of benefits will almost certainly decrease – especially for those retiring behind the Baby Boomers. You can check your annual wage and earnings statement from the Social Security Administration to get an idea of how much you’ll receive when you retire. The younger you are today the greater the risk that the inflation adjusted value of your benefits will be less than currently estimated.
Pensions, particularly private ones, are also proving to be less reliable than they once were. Fewer companies are offering pensions in the first place, but even those with longstanding traditions of fat pension benefits are backing out of those obligations – just ask airline employees.
Sure, there are protections in place to ensure you don’t completely lose out on what was promised to you, but underfunding is a serious problem with the recent market declines. Should your company default on its pension plan you could be left with a reduced payout. If your pension is frozen, you will still be entitled to benefits already earned, but you will stop accruing additional benefits.
In other words, Social Security and pension income may not be as dependable as you thought placing a greater burden on your retirement savings.
What will be My Investment Return During Retirement?
Most traditional retirement planning formulas assume long term historical returns from a traditional stock/bond portfolio of 7 to 10 , decreasing to 4 to 5 after retirement as you shift away from equities and toward fixed income.
The problem with these estimates is they are derived from super long data periods irrelevant to most retirees. What retirees care about are 15 20 year periods – not 100 year market history – and the surprising reality is how variable the returns can be over 15 20 year time spans. Negative to flat returns are entirely possible but are wholly unexpected when using traditional retirement assumptions – just witness the last 10 years for the U.S. stock averages.
This is incredibly important because even small changes in return on investment can dramatically alter your retirement security. It is not realistic to blindly assume long term historical returns when your investment time horizon is significantly shorter than the data assumes.
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When Can I Retire?
Finally, a question you can answer accurately. You choose your retirement date and you are in full control of when that occurs. If you are somewhat flexible in deciding when to retire, you can significantly reduce the amount of money needed to fund your golden years. Working just a few more years allows you to continue building your portfolio while at the same time putting off drawing down your savings. If retiring is not optional, however, due to medical or other reasons, plugging this known figure into your retirement calculator will send you on your way to determining how much you need to save.
In Summary
The key point to notice from this discussion is retirement planning is not nearly as simple as the financial calculators would lead you to believe. There is no magic bullet formula for determining “how much do I need to retire” it’s an iterative process. Sure, it is easy to create an estimate when saving for retirement, but creating an accurate estimate is an entirely different matter.
The fact is you need to make six different assumptions when calculating your retirement number; yet, only one of the assumptions can be estimated with any certainty. The rest require you to predict the future which is unknowable and impossible to do. Even the experts can’t do it – and neither can you or your financial planner. If you believe otherwise you are just deceiving yourself.
This is a big problem because the answers you assume to these questions will dramatically affect how much money you need to save so that you can retire with financial security. A small change in just one answer can vastly alter the resulting retirement savings requirement. In fact, I highly recommend you test this using your favorite retirement calculator and prove it to yourself. Don’t take my word for it.
Start varying the three most important and difficult assumptions – return on investment, life expectancy, and inflation – and you will be amazed at the dramatic impact it has on how much money you need to retire. Now, imagine if your estimates are off on all five of the variables—your retirement savings could be wildly off target forcing you to work longer, cut back on your lifestyle, or worse, run out of money before you run out of retirement.
What you will see when you complete this exercise is the traditional approach to estimating how much money you need to retire makes you completely dependent on how well your assumptions reflect your future retirement reality. In other words, you have to be able to forecast 20 40 years into the future. This makes the apparent scientific precision of retirement calculators far less scientific.
How Much Money Do I Need To Retire? Learn More Visit: http://www.HowMuchToRetire.com.
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