Monday, December 29, 2014

The great age of commentary is here. Here's how to takeadvantage of it and make your blog distinguished and profitable.

by Dr. Jeffrey Lant

When I was growing up, America's opinions were shaped by a handful of influential people whose advice on any subject under the sun (but usually national affairs and politics) could be read, first, in newspapers... then heard on the radio and television.

These are great names, masters of pungent comments, wry humor, intelligent observations, and refined styles all their own. Here is my (partial) Honor Roll... one could add many others, the very best of the very best:

Westbrook Pegler of the United Press (died 1969).

H.L. Mencken of the Baltimore Sun (died 1956).

Edward R. Murrow of CBS (died 1965).

Walter Winchell of New York Daily Mirror (died 1972).

Paul Harvey of ABC (died 2009).

And now another name, destined for greatness and the prosperity that generally accompanies it, can be added to the list:

YOU!

I'm here, your advisor and friend, to assist your rise to global eminence, as Internet blogger and meaningful commentator par excellence.

The Internet has made it possible to become such a commentator. You now have a power, and at your fingertips too, previously reserved to the few; now available to anyone.

You are now able to comment on and draw forth the true meaning of events great and small, events of cosmic significance and the little secrets that someone (usually office holder or government official) didn't want anyone to know, thus motivating the commentator to be sure to disclose.

Now you can be a new, soon to be important voice... a voice of humanity, intelligence, stern admonitions and home truths, resoundingly delivered. In short, you can be an unceasing engine for truth, justice, and the improvement of mankind, in a style and with a spin all your own. Kool.

Here's how to begin and prosper.

Most bloggers, think small, picayune, trivial. You cannot.

Their authors, that is, chew more than they bite off. (Sadly, I cannot take credit for this telling mot. Mrs. Henry Adams rendered this artful observation on the ponderous American author Henry James. She later killed herself, but probably not as a consequence of this remark.) Your view must be different, broad, cosmopolitan, catholic in the best (non-sectarian) sense.

If you want an important blog, write on important subjects. This formula is tried -- and true.

Always talk directly to your readers.

The great commentators of any age and culture never address the world en masse. They talk directly to you, as in a personal conversation between someone with Something Important to say... and someone anxious to learn it, all of it.

Use your blog to tell stories.

People need more than facts, assertions, and (worst of all) windy pontifications to attract them, though this is what they get from most blog writers.

People have always liked... and will always like... interesting tales. Great communicators like Jesus, Gandhi, Franklin Roosevelt, and Abraham Lincoln were expert at capturing the full attention of their audiences... and what's more, keeping it with stories with a beginning, middle, end.

Develop a format. Make it your signature.

All the great commentators, like the ones listed above, delivered their comments in a certain, defined way which the folks who followed them immediately recognized. You must do the same.

Enter into the lives of the people you are commenting on... and the ones you are delivering your comments to.

The best commentators enter into the situations and conditions, nay into the very skins and brains, of the people they are writing about. This is what gives their comments an edge and credibility.

The goal of the great commentator is most assuredly not to set up a card board effigy of the person he is writing about. That's unfair, inadequate, infra dig.

The objective, instead, is to show that you truly understand the people and events you are writing about... then make your comments about them, pungent, fair, honest, aphoristic accordingly.

This is not easy to do... but it is what great commentators do... and which makes them irresistible to readers.

Avoid pedantry, but never the chance to instruct.

The purpose of a blog is NEVER to show how smart you are. It is to inform, educate, edify and instruct your readers, all done with the lightest, but always sure, touch. In short, it about enhancing their smartness...never merely dazzling with your own.

Thus, don't use your blog as the opportunity to demonstrate how clever and intelligent you are. Commentators are not, and always eschew the opportunity to be, ponderous. That's the role of too many professors from the Academy. Such people do not flourish, in blogs or elsewhere, because their readers flee andante.

You must capture and enthrall them, not as professors do by forcing attendance, but by entrancements, the apt selection of topics, the masterful presentation of what you have to tell... and the unique way you present it.

Master the great information sources you will come to rely upon to glean critical facts for your comments.

Read, on line now, the New York Times and Washington Post, to name but 2 key sources. These publications, soon to be history because of the Internet, will inspire you with both facts and story ideas. Scrutinize them closely.

Use too the Associated Press reports and those of UPI and Reuter's. They are crucial for providing both story ideas and the hard details which give your commentaries backbone and grit.

Learn to master the art of searching the great search engines, where the crucial supporting information is available whenever you require it,which means whenever you want a comment taut, never flaccid, girded by fact.

Use the Wikipedia, one of the greatest information sources ever. It is a noble idea, essential to commentators, ever available. Bravissimo.

One last thing. Set your blog publishing schedule... and stick to it.

Your readers want, indeed insist upon, predictability and regular delivery of your blog. Give it to them. If your publishing date is each Thursday at 12 noon Eastern time... adhere to it, religiously. "Punctuality," as King Louis XVIII of France observed, "is the courtesy of kings."

Nowadays your readers are the sovereigns, each and every one. Succeed with them... and your results and benefits, financial and otherwise, are assured, abundantly so. These are your masters, your audience. Treat them accordingly and soar.

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc.,
 Republished with author's permission by Bret Eikenberry

Friday, December 26, 2014

These Landing Page Mistakes will cost you sales! Know them. Avoid them!

By Sandi Hunter

A landing pages is a powerful way to generate leads for a product, service or company. Landing pages are a far more effective way of getting leads than promoting your website.

To get those leads your Landing page must adhere to these sure-fire rules of marketing. Here's what you need to know to get the maximum results from your landing pages.

Most Common Mistakes

1. Boring headline.

Your headline must POP off the page with motivating words that will get the viewer's attention. You want to get their attention then draw them in to keep them reading. Headlines should be bold, easy to read, colorful and make an IMMEDIATE eye-grabbing impact.

2. Too fancy.

Fire your designer if they rely heavily on graphics and flash. Even video is sometimes not appropriate. You do not need your landing page to match your website. Landing pages do not need to be animated, blinking, jumping or annoying. Simple is best. Your Landing page has one purpose, and one purpose only - to generate a lead. It should be colorful, eye catching and use compelling rich copy.

3. No focus.

Effective landing pages are focused. Focused on purpose (lead generation) and focused on telling the reader exactly what they get and why they need to act now. Don't include any reason for distraction on your landing page. Make your marketing message ultra-clear.

4. No Offer.

If you want to generate a lead you MUST include an offer. People don't give away their contact information unless you give them VERY good reasons to do so. Make your pitch, and make it a great one - something for free, include a bonus, an incentive - something of value.

5. Forgetting about who the Landing Page is for!

Your Landing Page is for your Viewers. Yes, it's to market your company or product, but the page itself is about the viewer, Yes, your potential customer don't forget this. View your Landing pages from THEIR eyes. Is is obvious what you are offering? Is your offer enticing? Is your page focused or it is annoying to the point of distraction. Respect the experience and impression of your viewers. Make sure the page is not too long, the fonts are appropriate, the graphics not overdone and your optin form is quick and easy to complete.

To conclude, here is an Easy 1-2-3 Formula for creating effective Landing Pages.

1. Start with a powerful benefit-laden attention-grabbing headline.

2. Follow with compelling copy that motivates ACTION. Here is what you get, here is why you need it, here is how to get it RIGHT NOW!

3. Optin Form. Conclude with an easy to complete, simple form requesting contact details, being sure to list the bonuses/offer included. If you can add a value to these bonuses it makes your offer even more appealing.

Final words: Everything on your landing page should focus and complement these things; simple theme-related graphics, well-written punchy copy, an irresistible offer, and an opt-in form. Your goal on a Landing page is get the lead!

About the Author:
 Sandi Hunter, is the Director of Website Development at Worldprofit Inc., a Canadian company specializing in resources for small and home based business.
Republished with author's permission by Bret Eikenberry

Sunday, December 21, 2014

The # 1 Marketing Mistake that 90% of marketers are making. Are you?

By Sandi Hunter

I've been an online marketer for nearly 18 years, my business partner has been marketing on and offline for over 30 years.

I'm going to tell you what we've learned and know for a fact so you get better results from your advertising NOW.

If you are like most marketers you have a snazzy website that you either spent good money on or you have laboured to build yourself. Now all you have to do is promote it. Right? WRONG! Before you spend one dime to promote your website, read this article. Don't make the same mistake made by 90% of marketers that costs them thousands and thousand of dollars, lost leads and lost sales.

You do NOT want to promote your website as your primary method of generating leads. Here's why.

If your website is like 99% of those I have reviewed, it's copy dense. You've got links, video, flash, offers, affiliates, graphics, pages, charts, forms, RSS Feeds, blogs, Twitter feeds, the Daily Weather, and a little or a lot of other organized chaos. The viewer (your potential buyer) doesn't know here to look, what to click on, it's information OVERLOAD. (This is all great for key word content for Search Engine Optimization or general promotion but NOT the best way for generating leads). The result is immediate. If they don't instantly see what they want they click OFF. Say Goodbye to your lead! You might as well add, "Sorry I wasn't a little more clever about helping you get what you want so I could get what I need." The SMART marketer understands this and says, I want to meet the needs of my viewers. I want to convert my viewers into leads. That means giving your visitors a positive FAST loading experience with an immediate offer and a call to action. This is a very precise experience with a very specific message and directive. How do you this? By creating what is called a Landing Page strictly for promotional purposes.

What is a Landing page? It's also known as a Squeeze page because you are squeeeeezing information from the viewer, converting the looker into an actual lead. The concept is simple, pitch an offer, the looker completes a form. They are enticed by the offer, you get a lead. You've converted a looker into a LEAD!

Why is the promotion of Landing Page(s) INSTEAD of your website critical? It's simple. Keep your potential buyers happy and YOU will get better advertising results. Specifically, a fast-loading landing page that includes a headline with an immediate benefit and a call to action. Example: HERE's what you GET! Followed by punchy benefits of what else they get, concluding with an offer and a lead form.

Now, here is a critical point for all you advertisers who think graphics are the king, that more is better. Take a quick lesson from an experienced marketer (who is also a designer). If you do nothing else to improve your ad copy - get rid of the fancy and weighty images. Often an overabundance of graphics detracts from your marketing message. We have tested boring simple text ads against the exact same ad copy on a rich graphic landing page. Guess what? The simple ugly plain text ads consistently got higher click rates than the graphical ones. We eliminated instant play video, got rid of flash, and used just really good ad copy. Landing pages with no video perform better than those with video. Why is this? Videos can take a while to load and may not add immediate value to what you offer. You often have less than 30 seconds to get your message into the brain of the viewer. Well-chosen key words get in the brain of your potential buyers IMMEDIATELY when time and limited attention is critical. We humans are greedy. This is a fact. We have short attention spans. We want something and we want it now. Smart marketers recognize this and tell people what they can get and how to get it if they act now!

One of the powers of a Landing Page comes from the fact that you can create a specific Landing Page for EVERY product you offer. You can create them quickly and test them. If you create a dud that gets no result, replace it by creating another. Many advertising sources offer an option to pause a campaign which means you can cancel one ad and replace it with another more effective one before your ad dollars are depleted. Compare this to making edits to a web site that can take considerable time for major marketing changes, while a Landing page can be put up and taken down in minutes.

Finally, remember where you are marketing - online. Full page colour graphic ads do well in a full page print ad. My guess is that you don't have the 10 K + for a fully page glossy ad. You are most likely relying on the tried true tested forms of free an low cost advertising like Traffic Exchanges and Safelists. These are powerful ways to promote your product or service and are ideal for simple Landing Pages. In fact you WANT a fast loading simply ad for Safelists and Traffic Exchanges because you have a very limited (20 sec or less) to get these people attention. Keeping it simple is just as effective now as it always has been. Graphics used effectively can bring your ad alive, but very few other than professionals can master this combination of copy and graphics to solicit response.

Ok, I want to make sure I have made this point clear as it is so very important. Use LANDING PAGES to generate leads for specific products or services. Use your website to promote your company in general. Landing Pages are ALL about the reader and turning them into a lead. If you want to stock your website with page after page about product development, research, your years in business, how wonderful you are and your customers think you are, put all of that on your website. Content about your company, products and services is of course valuable for many reasons, post it to your site but don't rely on this as you one and only lead generator.

Now, let's dig a little deeper into your advertising strategy. Look at your ad or your landing page. I mean really look at it.

Do you have a clear benefit headline to get attention. Do you follow this headline up with benefit-laden offers, reason after reason why people have to act now! Do you include an invitation to DO IT NOW offer that will motivate your reader to become a buyer! Or if not a buyer at least to take some action - to respond to your offer, join your newsletter, try a free sample, participate in a free trial. Whatever get them to DO something! You accomplish this with well written offers not with blinking links, and boring videos that take forever to load. Have you included an OPTIN to your company mailing, newsletter, product updates etc? This is a CRITICAL inclusion. A Landing page doubles as a List Building Tool. Do not underestimate this. Landing pages and list building work hand in hand as required marketing tools.

Review your advertising material. Is it about YOU or is it about your potential buyer? If the ad is more about how wonderful you are then about how beneficial your product or service is to the user, you have what is called an EGO ad. Your ad should NOT be about you, or your company, or that you are family owned business, or that you support charities. Your ad has one purpose: to tell people all the benefits of what your product/services offers and why they need to act now to get it! Want a quick lesson in this strategy? Watch late night infomercials. See how these infomercials verbally hit you over the head INSTANTLY with all the BENEFIT OF X product. You are drawn in more and more because they offer you X, then add Y to it. But wait if you buy now you get X, Y and Z too! Watch how they give you the pitch, make the offer, then make a better offer, and than a limited time offer to motivate you into action NOW!! Great marketing offers value and a sense of urgency to get an immediate action.

Ok here is your homework. If you don't have an ad strategy that accomplishes this you have failed your first lesson in online marketing. Go back write it again, take away distraction of video and flash. Whittle your ad down to ONLY what matters to the buyer. Get back to basics. Your goal is always to compel action. Don't risk making anyone wait to see what you offer. Get to the point instantly. Web surfers are easily bored. Get their attention INSTANTLY or they are gone! You may get a hit on your ad, but you can quickly send people away with a poorly thought out advertising strategy. Advertising that does not generate leads and sales will eat up your hard-earned dollars faster than my dog woofs down his doggie chow.


About the Author: Sandi Hunter is the Director of Website Development at Worldprofit Inc. Republished with author's permission by Bret Eikenberry


Tuesday, December 16, 2014

What a Woodpecker Can Teach You About Online Marketing Survival

By Sandi Hunter

Got any woodpeckers in your neighbourhood?

The next time you see a woodpecker watch him for a while. Think about how the woodpecker spends EVERY DAY of his life. The woodpecker must peck, peck, peck away all day and every day looking for food. It’s a matter of survival. The woodpecker doesn’t peck frantically for a few hours then take the afternoon off to snooze on a comfy branch. The woodpecker doesn’t peck frantically for one week straight to fill his tummy, then take a 2 day break snuggled up in his nest. Instead, he pecks away continually, rain or shine. If he doesn’t find food in one place he is off to the next tree to find a tasty morsel. He doesn’t give up when the first 3 trees have no bugs, throw his wings up in the air and say I quit! The woodpecker knows what you need to know: survival requires continuous pecking. In your case, your success is 100% dependent on your continuos pecking strategies for the survival of your business.

In my line of work I talk to marketers, entrepreneurs, and home business operators everyday. Just like in all walks of life you have all kinds of personalities from a variety of background and skills. The backgrounds are diverse but they all bring one thing in common to the table. Essentially a dogma of what they can (or are willing to) do TODAY to build their business.

I am always amazed at how people approach building their home business or business opportunity. Some will bite in like a dog on a bone and go hard for a month, then let go and I never hear from them again. Others study, analyze, learn, listen, think and digest but never get to the part of actually DOING anything. Some will find fault or make the most clever excuses for why they can’t work their business.

Then there are my favorites, I call these people, the woodpeckers.

These are the people that give 100% effort to building their business EVERY day. Like the woodpecker they peck away at the daily required tasks of building their business to call prospects, promptly reply to email, promote their business, take care of customers, generate leads, build their mailing list, generate traffic, network with others, solve problems as they happen, plan and prepare. If one strategy is not producing results they peck away trying to find a more productive outcome, or they peck at another approach, a new angle, a new offer, a new promotion, or new goals. They are not content to give up. They don’t try and accomplish everything in one day, they work daily, steadily, consistently pecking away to get to their goals. Like the woodpecker they know not to overextend themselves and bite off more of the worm than they can chew. Instead they peck away daily at the necessary tasks being sure to maintain a balance with other important aspects of their life.

The Woodpecker’s attitude is a realistic one, he has to search out food every day to survive and feed himself and his young. No one is going to show up at his nest everyday and hand over the bugs. The wise entrepreneur also has a realistic attitude, he or she may not want to do a certain mundane task but knows it is a requirement of building a successful business. He knows that he or she must do the work to earn the success. For our feathered friend the woodpecker, some days the worms may be juicier than others, sometimes the tasty worms are hard to come by and only the bitter bugs are available. Some months there will be more and larger bugs than other months, but the woodpecker (YOU) will have to just keep on pecking away.

About the Author:
Sandi Hunter is the Director of Website Development at Worldprofit Inc.
Republished with author's permission by Bret Eikenberry

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Monday, December 15, 2014

The great secret of business success: The MORE you GIVE AWAY, the richer you get!

by Dr. Jeffrey Lant

Want to use your business to get rich? Of course you do! Then why aren't you giving away more?

Counter intuitive though this thought may appear, it contains the key truth of business success: the more you GIVE AWAY, the richer you get!

How much did you give away yesterday? How much the day before?

Right this minute, with the worldwide economy in the doldrums and likely to remain so for some time, millions of business owners are scratching their heads for ideas on how to spur crucial sales. All sorts of ideas, from the daft to the expensive, are being advanced.

Yet the solution to getting more sales is plain: Don't just sell your customers something, dazzle them with everything you will give them in addition to the actual product or service they pay for.

Focus the customer on an absolutely stunning offer.

Look at everything you sold in the last few days. Were your customers buying products... or were they motivated by offers packed with additional benefits, benefits you were giving away as inducements to motivate faster sales?

In other words, did you make sales because you gave away one thing after another, which made purchasing the items in question an absolute no-brainer?

Start by brain storming what you can give away.

Most businesses have NEVER made a systematic effort to determine just what they can give away to induce more sales faster. This, however, is key and must be done at once.

Go through every single product and service you offer. What can you give away:

* more of the product or service * free delivery * free shipping * discount coupons for future sales * a special limited time offer * service and support.

Get the picture? Before you can fashion high-octane offers, you must develop a list of EVERYTHING you've got and can give away to motivate more present and future sales.

Study other people's offers and give-aways.

The great thing about being in business is that paying attention to what other businesses are doing (and not just competitors either) can benefit you every single day. Thus, wherever you go, review what companies are doing to get your business; can you use or adapt them to your business success?

Develop a "give-away" mentality.

Business, you have been told, is all about closing sales, in other words about "working" the customer. If you buy into this point of view, you're in for a lifetime of drudgery and hard work. STOP IT!

Instead, consider yourself in the business of crafting spectacular bonus offers that enable you to make sales the very easiest way: by so exciting customers about the freebies and great offers they get that they'll do anything to get them! Doesn't this sound a whole lot easier and more fun that "closing sales"?

Start today, review today, improve today.

Right now you're probably still trying to get your head around the concept that the more you give away the richer you'll get. Fair enough. But don't wait because of that to get started.

Today is the perfect day to start... as well as the perfect day to review what occurred AND to make improvements (like giving away even more).

You see, as long as your objective is maximizing your wealth... you're in the business of increasing the amount you give away and enhancing customer motivation. And if wealth is your goal, you must do what it takes to become a world-class expert in giving away, giving away, giving away. Because that is the sure-fire way to get wealthy.

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., www.worldprofit.com where small and home-based businesses learn how to profit online.
 Republished with author's permission by Bret Eikenberry

Sunday, December 14, 2014

YOUR money is in THEIR pocket. What you have to do to get it out.

by Dr. Jeffrey Lant

I've taught marketing for more years than I care to remember. The biggest challenge is getting students to understand how marketing works. What is it? Why do you need it? How do you get the biggest return?

To answer these questions, I came up with a simple image that works wonders: YOUR money is in THEIR pocket. Do you want it to stay there... or do you want to get the funds into YOUR pocket?

Bingo!

Light bulbs start going on around the class room as one student after another "gets it."

Of course they want to get their money out of that pocket. We're ALL clear on that. The discussion then shifts to how to get it out... and how to do it FAAAST!

The Pivotal Role Of The Offer

"Try this," I say to the class: walk up to someone on the street and ask them for $50. Will you get it? Unlikely. Instead be prepared for dirty looks and worse. "Asking," I say, "ain't getting." The students nod their heads knowingly. They've been there... done that.

"Ok," I say. You guys get this. Then why don't these folks, at which I show them one marketing communication after another (Yellow Pages ad, brochure, direct mail letter, etc.) where supposedly savvy business people spent good money doing nothing more than saying "Here we are, here's what we have."

"That," I say "is not marketing. It's just telling... not selling." If you want to make MONEY... YOU must motivate people to part with the bucks.

Offers Get People To Move

What gets people to buy is offers, offers, and more offers... saying, in effect, I'm prepared to give you

* this

* and this

* and this

IF and ONLY IF you take action now to get what I'm selling.

"What," I ask the class, "is more likely to get you to respond: just saying here I am, here's what I do." OR saying

"I'll give you one hour free for every three hours of my service you book."

All knowing, the students say "people will act faster if you give them MORE." Now it's my turn to nod sagely. "Bingo," sez I.

Brain storm offers all the time... because you will need an offer EVERY day you want to empty prospects' pockets and move that money.

I ask the students what days they want to profit in their businesses. They look quizzical: "Well, EVERY day," they say.

Another "Bingo" from me.

"So, if you want to make money EVERY day... then when do you need to make offers?"

ANOTHER "Aha!" moment for my budding marketing masters. The idea is beginning to sink in that EVERY day you want to move money from your prospects' pockets is a day you must make offers.

"Make offers," I say, "every day you want to make money." And I write "Money means daily offers" on the chalk board.

Open A "Swipe File"

Where can you find marketing intelligence, great offers that produce the bucks? In the marketing communications of people who live or die by marketing. And where do you find these? Everywhere!

If you want to move money from other people's pockets into yours, start collecting and studying marketing communications. Open a "swipe file," and pop in marketing communications that work. Make this a daily endeavor. When you see ads that work for others, adapt the copy for your profitable use.

Don't Stop!

Marketing is like breathing. Stop doing it and you die. Finish any day by selecting the offer you'll use tomorrow. Start each day by reviewing how well yesterday's offer pulled. Note these results for future reference; winning ads should be repeated; ads that wilted must die.

One more thing: see marketing as a great game, a game that takes everything you've got. Embrace it! Enjoy it! If you don't, your money will stay in THEIR pocket and that's just not acceptable!

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., www.worldprofit.com where small and home-based businesses learn how to profit online. Republished with author's permission by Bret Eikenberry



Friday, December 12, 2014

Why you will NEVER be rich. Why you will never live la dolce vita. And what you won't do about it.


by Dr. Jeffrey Lant
Author's program note. This is an article about something you've craved, desired, wished for... but now, aging and chagrined, know you will never have... never be any closer to than when you were sixteen or the last time you seriously consulted "Esquire" for a fashion make over.

And that is financial independence.

You don't have to believe me, probably won't. So (smelling salts at the ready) take a look at your assets. Pathetic, isn't it? And the sad fact is... you won't do anything about it. Probably can't.

But before we develop this maudlin theme further, you'd better imbibe some of Nino Rota's masterful score from Fellini's perpetually edgy masterpiece "La Dolce Vita" (1960). You'll find it in any search engine. It is about the craziness of love, money and desire played out in Rome, where the unending search for the sweet life will devour you as it has devoured generations before you, including a whole College of Cardinals, and expectant generations still to come.

Now let us begin, for you have wasted far too much time, and have so little left.

Time.

The first reason la dolce vita will elude you is that you've waited too long to use the present to shape the future. Now hear this: to become rich by your own insistent hands and devices, you must start from the first minute you glimpse the awful and shocking truth that you are not going to be young and beautiful for ever. What? Moi?

Yes, I'm afraid so. One of these days some current play fellow of yours, who just a moment ago complimented your bodacious curves and knock-'em-out bootie, will be considering the unfairness of fate whilst scrutinizing your flesh-specked skull, for all the world like Hamlet and hapless Yorick.

Dire, but who cares?

Very well, you muffed your biggest advantage -- time. Sadly, the more you wasted; the less organized and efficient you were, the fewer options you have. There are two things you can do about this: 1) radically alter your lifestyle or 2) do nothing. You'll say, of course, that you'll make adjustments, but we both know, don't we, how lazy and incorrigible you have been in the past... and intend to be in the future. In other words, you'll continue to talk the good, the plausible, the smooth game... but you won't lift your pampered pinkie to achieve the objective.

What objective?

The plain truth is you have never had a specific, written financial objective; the older you get, the more glaring its omission. For example: have you checked to see just how long a person of your age, gender, and health can expect to live? In other words do you know what you're working with? It figures. You want the dolce vita, but you haven't got a clue about how much "vita" is left. So, for openers let's play "This is the rest of your life." For most of you even Ralph Edwards, a man with helium in his leather pumps, couldn't squeeze much optimism from the too sad facts.

Napoleon, no objective, St Helena.

The most celebrated man in history who lived without objectives was the great Napoleon himself. It's what brought him down from the highest of pinnacles and human achievement to life on a poky little sheep ranch called St. Helena. You see, before each campaign he'd steal the soldiers he'd need and the money. Then, without forethought, he'd set down the road... without goal, without objective. He was, you see, the ultimate wing-er. Goals, he reckoned, could take care of themselves...

Europe offered him this province and that if he would say just what he wanted and, in time honored fashion, stop with the current larceny; in other words once he was bought, stay bought. However,if things were going well, he declined to parlay; it they weren't going well, he declined to parlay until at last the aristocrats understood they must work together, did so, and snuffed the man who, if he had a reasonable goal, would have ruled the roost and been the greatest sovereign since the Caesars. It is unrecorded if his imperial majesty liked mutton. I doubt it.

Now, assets.

A detailed look at what you loosely term your "assets" now is necessary. Gather what you jocosely call your "financial records," you know, that laughable pile of gum wrappers, lottery tickets, naughty Internet sites, and legal mumbo-jumbo about a stock you once owned. You'll need pencil, paper and true grit for this crucial exercise.

Now, sit down and start.... And, pray, don't snivel, whine or sob!!!; much less "special plead" and "explain" as we review the little you wish to transform into the enough, the more than enough, and that fast receding life you once though would arrive without much effort or work of any kind. Oh, how the ill-informed and grossly self-deceived have fallen.

What assets?

Get a grip on yourself. You are about to do the hardest of tasks; telling the truth about you, the truth, the whole truth, and nothing but the truth. It will cause you pain; it will make you squirm; it will make you perspire and cause your life with every wrong decision and miscalculation to flash before your horrified eyes.

Why have I put that gun on the table? Because I know given the chance you'd be out of here like a jack rabbit. So, shall we begin?

The overwhelming number of folks have just about $30,000 in assets upon retirement. That's probably within shouting distance of where you are now, assuming you wish to retire in, say, five years. I hope you're smiling, sugar, because you're going to have to place a brave face upon this dismal reality. And while you're at it, try learning the lyrics to Charlie Chaplin's moving song, "Smile though your heart is breaking...." Just remember this, when he wrote it he was probably the best known entertainer in the world and amongst the richest men on Earth. It's easy to weep into your beer and warble movingly under those conditions.

Under water.

So.... grimly...you list your primary asset, your house. The Great Recession of '08 wiped out such assets for most people for the better part of a generation. If you're looking here for salvation, look again. It's not coming any time soon and certainly not to fund a lifestyle less dolce every day. And as for any other "assets", you know and I know their collective value is negligible. And as for that grotesque Chinese vase your auntie bought 50 years ago in San Francisco, you'll be waiting a long, long time before "Antiques Road Show" tells you it's fake, Ming indeed! Nice try.

Two choices.

So, what are you going to do? You could get realistic and stop wishing for something that's not going to happen. Take your $30,000 (or so) and give yourself a week in Paris Greta Garbo would envy. Splurge. When it's over, it's over. Enjoy what you've had; don't pine for more. You've had a nice taste of what you wanted. Be grateful. This is not the American way, of course; no matter how much you get, you want more... and moan to high heaven when you don't have it, can't afford it, and can't get it.

The solution? It's right in front of you. It's called the Internet, and it's a gold mine... if you work with the right people and follow simple directions. I know what I'm talking about. Nearly twenty years ago, when the 'net was new and primitive. I made a calculated decision that it would be the most important, the transformational technology of my life. Without hesitation I affiliated way back then with a genius named George Kosch who explained to me, already a successful businessman in publishing and direct mail, why the 'net was the big play. As a result I made millions of dollars.

Now hear this: you can, too. Everything you need is just one click away, easy to understand, easy to start. What's more you'll never work alone, will always have assistance and instruction and need to know absolutely nothing about technology. Now see for yourself. Go to worldprofit.com and immerse yourself in your successful future.

But we both know, don't we, what you'll do... thereby killing your last chance (short of a winning lottery ticket or the timely demise of an unknown relative) of much "vita" at all, much less any that's dolce. Caio, bella. We'll miss you on the Via Veneto. And remember, to be rich, is to be beautiful... forever.

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., www.worldprofit.com where small and home-based businesses learn how to profit online.  
Republished with author's permission by Bret Eikenberry