Many Americans are demanding universal health care and promise to vote for any politician who promises it. Recently this discussion came up at an online think tank and it was amazing the differences of opinion. Can the United States afford Universal Health Care considering the sky rocketing costs of health care these days? One think tanker puts it bluntly;

“It is a “No-Go!” for several reasons, but I think I have the solutions figured out if anyone is interested, of course they aren’t. Such a system cannot survive in the present climate with the laws and regulations in the Healthcare Industry. It would bankrupt the nation. The biggest issues I see is people that do drugs like “Crystal Meth” who will be needing heart valves at age 35. What will happen is we will start making laws to prevent people from the dumb things they do, which will cause less privacy in personal matters, what we eat, etc. to shore up the run-away costs.”

Indeed, some of what he is saying makes sense, common sense in fact. But what are the Advantages and Disadvantages of Universal Health Care in America?

Disadvantage; We will bankrupt our nation and then lose it all.

Advantages; People can continue to be irresponsible for their own health and not exercise or watch what they eat.

People need responsibility for their own health and the care they need. And we need some deregulation so the “Patel Family” can convert hotels into hospitals with minimal laws. The over night stay in a hospital is nuts.

The costs for a plastic IV Drip is $500.00 that is crazy as the plastic container costs $1.95 to produce and the stand only $30.00, we have run-away lawsuits too. We cannot afford universal healthcare. We need to focus on preventative and education and responsibility. Also we need primary care costs lower and more doctors and less lawsuits too. Any thoughts?

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

So, you have discovered that perfect home-based business that is going to have prospects banging down the door to sign up…but you don’t have the money to invest. The investment requirement may be $1500, it may be $1000, it may be $100.

The point is that you have NO money to spare, if you want to keep a roof over your head and food on the table. This describes most, in today’s economy, but you are special because you are wise enough to realize that if you just keep doing what you are doing now, you are just going to keep getting poorer.

Now mind you, that doesn’t mean you can walk into your boss’s office, drop off your resignation letter, and tell him to pound sand just yet…that comes later. But, you know that while your day job will make you a living, your online business will make you a fortune. Right?

So the challenge is to raise the money to start your business as soon as possible. The methods I am about to teach you will do just that, PLUS generate recurring monthly savings that will become your advertising budget.

Step 1: Where is My Money Going Now?

The simplest and best way of making money is to reduce your costs. But you may already only be buying what you need! So, we are going to reduce our costs WITHOUT sacrificing the goods/services that we need. But first, what ARE our costs?

Exercise: Take out last month’s bank statement and credit card bills. Itemize each of your major costs. Your list may look something like this:

• Mortgage on house or cost of renting
• Car payments
• Health Insurance
• Car Insurance
• Homeowners Insurance
• Groceries
• Fast food/lunches out at work
• Telephone/Internet/Cable
• Gas

These are just a few. It can be frightening to see just how much money you are spending to keep a roof over your head!

So now that we know WHERE our money is going, let’s take action to divert more of it away from other people’s pockets and into our own. We will do that via…

Step 2: Competitive Bidding–Who wants my business?

It is simply astonishing how almost every company utilizes competitive bidding, and yet how few households do! For every item we listed up there, there are dozens, hundreds, or thousands of different companies who would love to have you as their customer!

Let’s make them compete against each other, shall we?

Exercise: Find your policies for Health, Auto and Home Insurance. Find exactly what your coverages are, and your premiums. THEN, go online to a competitive bidding website, fill out your information, and request quotes from dozens of bidders! I personally use LowerMyBills and E-Health Insurance (links are provided in the resource box below). Representatives from these companies will be scrambling all over each other to provide you with their most competitive quotes, especially if you…

Tip: TELL THEM that other companies are bidding for your business! No one wants the competition to get a customer, so they will cut their margins as much as they can!

Tip: Create URGENCY by telling them that you are only accepting bids until X date, at which point you will choose the most inexpensive offer that meets your needs!

You will be astonished at how much this will reduce your monthly costs. This is a service that I perform for clients, in exchange for a % of whatever I save them, and believe me that is a pretty penny. But you don’t need me to do it for you, you can do this yourself!

Savings: (will obviously vary from person to person, this is what I tend to see on average)

Savings on health insurance: $200 per month

Savings on car insurance: $100 per month

Savings on home insurance: $75 per month First-month savings on insurance: $375

Ongoing monthly savings: $375/month

Wow! That’s a nice chunk of change right there towards your business. And your actual results may be much higher or much lower, but chances are that right now, unless you bid out your insurance annually, your provider is probably treating you like a 200-pound 4th-grader taking your lunch money.

Step 3: I Can Pay Less, to Save MORE?!?

Have you been reading the news about the economy? In an effort to turn around the recession, the FED has been slashing through interest rates with speed and vigor usually seen only in Japanese Samurai movies.

Take out that mortgage bill, and see what rate you are paying. 7%? 6%?

We’ll use an average mortgage amount of $200,000, and assume your current interest rate is 7% at a 30 year fixed loan. Ergo, your payment is $1,330.60 per month.

Do you have any idea JUST HOW MUCH money you can save by refinancing now at a lower rate?

With the Fed rate cuts, loans at 5% are easily available. Just that 2% drop in interest will lower your payment on the SAME LOAN to $1,073.64…saving you $237 per month!!

Let’s add that in…

1st-Month Savings on Refinancing at lower rate: $237

Ongoing monthly savings: $237/month

And you can roll in your closing costs to the loan, so you don’t pay anything up front, and STILL be saving this much (a few thousand over a 30-year loan just knocks off about $20 per month from your savings, which is already factored in above).

Step 4: Waste Not, Want Not Now we are going to look at such a simple, obvious, and EASY way to save money, that never even occurs to most people.

What are you doing for lunch at work? Are you getting fast food, because it’s easy and convenient? If so, you are spending about $6-$8 per meal!

Or do you eat out a restaurant? That gets REALLY expensive, anywhere from $10-$20 per meal or more! For this example, we will say that you are like most of working America and you eat lunch at a fast food place, spending $7 per meal.

So not only are you clogging your arteries and getting poor nutrition, but you are spending $210 per month just on lunch!!

Start bringing your lunch to work with you. Make yourself a sandwich, or whatever you please. The groceries will add up to $1-$2 per meal, if that. Let’s say $2 per meal.

1st-Month Savings on Brown-bagging it for lunch: $150!!

Ongoing monthly savings: $150/month

Benefit to your health: Priceless!

And how badly do you REALLY need that $3 Mochachino from Starbucks every morning on the way to work? If you cut that out of your budget, there’s another $90 per month you save!

BUT I LIKE MY FANCY STARBUCKS DRINKS AND DON’T WANT TO GIVE THEM UP!!

Ok, fiiiine! Give it up for just the first month then. If you are going to be able to make $1000’s of dollars per month by starting your internet business, wouldn’t you be willing to make that small sacrifice?

In the words of Jim Rohn, “OF COOOURSE!!”

Step 5: Take Advantage of the Economic Stimulus

By now you’ve probably gotten the letter from the IRS about the Economic Stimulus Plan…you are going to be receiving a check for somewhere between $300 and $1200 in May 2008!

If you spend it on bills, it’s gone, and the bills will be back…with friends. That’s why you want to start your internet business in the first place, right? So that you will have gigantic loads of income streaming in again and again from your marketing efforts?

For this example, let’s assume you are married, below a certain income level, and have 1 child. Your tax rebate will be $900 (or possibly $1200, but let’s be conservative).

Ok, let’s recap. So far, we’ve managed to raise:

Savings on health insurance: $200 per month

Savings on car insurance: $100 per month

Savings on home insurance: $75 per month

Savings on Refinancing at lower rate: $237 per month

Savings on small luxuries like Starbucks: $90 month 1

Unexpected Tax Rebate Coming in May: $900 month 1!

Savings from not eating out for lunch: $150 per month Total Savings for First Month: $1752

Ongoing Savings per Month: $762 per month

WOW! We are there!! You have raised $1,752 to start your business, which is more than most cost! Not only that, but you will be saving almost $800 per month…let’s take $400 of that and invest it our business as our Advertising Budget, and we will have LOTS of prospects coming to our site…and from there, it is just a matter of the Law of Averages to generate out your sales.

My Passport to Wealth business only costs $997 to get started, and an advertising budget of $350 per month gets you a professional Marketing Manager who does all your marketing for you, AND a personal sales assistant who calls all your prospects! I have included a link in the resource box to learn more about this hands-free automated internet business.

So that would leave an extra $752 in month 1, even above and beyond the cost of investing in your business…AND you would have ongoing savings of $412 per month.

Do you think you could find a use for this extra money that you raised?

“OF COOOURSE!!”

Feel free to contact me if you need any help with any of these 5 Simple Steps to Raise the Money to Start Your Internet Business. I believe strongly that giving back to others is the way to wealth.

Kind regards,

Rob Hunter
Passport to Wealth Mentors4U Team
rob@PassportToWealthElite.com

Resources:
Passport to Wealth 2.0 Elite Mentoring
Lower My Bills Get competitive bids here.

About the Author

Rob Hunter is a busy entrepreneur living in beautiful Savannah, Georgia. He is the Director of Finance for a company downtown, and he also runs several different business ventures, including the automated wealth-generating Passport to Wealth System, a financial consulting firm, and a business developing renewable energy projects. The newest and most exciting is the Passport business, which has a stunning introductory video that can be viewed at the link above.

If there are links between higher fertility and the consumption of high fat dairy foods, like ice cream, then it should really come as no surprise, the natural link between fertility and real estate. The ice cream stat says that women who eat more than one serving daily of a high fat dairy product are less likely to suffer ovulation problems- and in effect increase their potential fertility. Who knew ice cream could actually be having a positive effect on America?

But, less alarming, is the fact that just prior to the sub-prime mortgage crisis- when homes were being purchased at break neck speed, the nation’s total fertility rate reached a high point- higher than it had been since 1961! Is available housing key to the “baby boom”? And is a healthy real estate economy necessary for the future health of a growing nation?

In 2008, the fertility rate had reached an average of 2.1, the hypothetical level needed to maintain the country’s population. Unlike Europe, China, Japan and much of the Middle East, America’s population was boasting a boom that would help her avoid a future of shrinking work forces- a gloomy prospect that naturally leads to low average birth rates and a viscous cycle of low socioeconomic morale.

There has been a long history of social scientist’s observations of the existing links between housing and fertility. In the depression of the 1930’s, when homes were scarce and beyond the means of most young couples the result was delayed marriage and fewer children. But, most recently, with the surplus of wide-open mortgages and so many “creative” loan products, families were buying into real estate, and many of them buying into bigger houses. Does this explain the surge of babies in these recent years? No one knows for sure, but it seems like a viable connection to make.

Many of the recently constructed ARM-financed Mc Mansions were built out in no man’s land, where land was cheap like borscht. These large homes became the standard for “affordable” suburban living. But, given the amount of time it takes to get anywhere to work, the cost for women to go out into the work force rose dramatically- and subsequently more women have remained home to fill those big houses with bigger families. Again, this is all speculation in attempt to decipher the sudden rise in fertility rates.

Of course, other factors beyond housing availability play into fertility rates, and these include race, religion, and economic status among others. But, it seems evident that all signs point towards a strong connection between a booming real estate economy and a booming population.

Foreclosures, however, are not encouraging people to have children and given today’s economic climate, it seems likely that the general population will reduce their needs for everything that costs, including children. Hopefully America can quickly rise up out its current real estate downturn and get back toward a boom that’ll boost its future success as a nation.

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