Plan "B" have you got one?

With what's going on in the world today, hearing companies that have been around for years, that are now closing there doors. It brought a question to my mind, "what's your plan B" or do you even think about ways to make extra income, or to supplement the income that you currently have. All of us, no matter what line of work that we are in, cannot guarantee that we will always have an income, we cannot control the markets, who our employers decide to keep and who the decide to let go.
So again, "what's your plan "B"? How would you make sure that you and your family will have the things that they need, food, clothing, shelter, etc, in our economic times that we are facing now? It's a question that most of us don't really think about, we go to work, do what we are paid to do, go home and do it all again the next day, and the next, we get comfortable in our life style we get a mind set that we are doing alright for ourselves, and so we don't think of the day that we may no longer be employed. We think it only think it happens to the "other" guy, what and how would you explain to your family that this year that they can't take the trip that you have been planning, and that your going to have to do with the car that you were planning to trade in.
It's not that you are a bad employee, or that you don't work hard enough, we all are in the game, someone is always willing to do the same job for less. How many of us have ever considered a job that we can do from our own home, work the hours that you want, and make the money that will be enough for your families life. And the best part, not having to worry about " the day". What are the benefits of working from home, besides what I've stated... well read on..

As the economy gets softer and softer, more and more people are desperately seeking ways to bring home more income. Are you one of millions of Americans who need extra money… right now? If so, what is your plan for getting it? Do you have one? Are you working more hours? Picking up a second job? A third job? Are you cutting back on your expenses? Are you selling things on eBay? Letting go of the second car? Backing down your minutes on your cell phone? Car pooling to work? Cutting back on the $5 Lattes? Turning off your heating and air? Packing a lunch for work rather than eating out?
Those are several ways of increasing your bottom line, but I have a better solution.
MAKE MORE MONEY!
How about going to work tomorrow and getting an IMMEDIATE RAISE, even if you’re the worst employee in the joint! You can! If you know the rules, you can walk into your human resource department tomorrow morning at your job, make a simple, legal and honest adjustment in your with holdings on your W-4, and immediately increase your take home income by $200-$600 a month or more!
Here’s the deal…
Your first day on your job, you filled out a W-4 form. Remember that section that asks about dependents, and how many “deductions” you claim? This tells your employer how much money to withhold from your paycheck to cover your taxes. That money goes to the IRS, and if you’re like most people, you overpaid the IRS last year, and the year before that, and the year before that, and the year before that, so they have been sending you a tax refund every year. Sound familiar?
All that refund is, is the money you overpaid in taxes. In other words, you gave Uncle Sam a interest free loan throughout the year. Why in the world would we give Uncle Sam an INTEREST FREE LOAN? Why would we give them our hard earned money when in today's economy, we need it more than ever? And remember…IT WAS YOUR MONEY TO BEGIN WITH, not the IRS.
If you don’t know already, it’s vital to understand the major difference between the rich and poor.
The poor and middle class:
1. Work
2. Pay taxes
3. Spend what’s left over
The rich:
1. Work or have money/people at work for them
2. Spend & invest all that they can
3. Pay taxes on what’s left over
Did you get that? Do you see how the rich get richer and the poor get poorer? The poor and middle class pay taxes FIRST, on the full amount they earn. The rich pay taxes LAST, after they have had a spending and investing spree.
Get me straight here. This article is not about tax evasion. I am all about paying taxes. I like the nice quality sidewalks for my kids, and nice highways for my stint in a friends Lamborghini. But I’m not about paying one cent more than my fair share.
Disclaimer - I am not a tax professional nor an attorney. I am a college drop-out, and according the man, know nothing and, am not qualified to make any of the above or following statements. I am not giving you specified financial advice, but merely making suggestions, based upon my uneducated and uninformed opinion. Further more, I am not in any way attempting to practice medicine without a license, nor impersonate a police officer or any other professional, licensed, decreed, credentialed or otherwise certified individual. How’s that for a disclaimer? You gotta do that in today's world, or wind up in prison.
HOW TO GET A RAISE… RIGHT NOW!
Educate yourself in regards to the rules of the game
The only reason the rich get richer and the poor get poorer is because the rich know the rules of the game. But, you don’t have to be rich to know, or to learn the rules. I was broke not that long ago, but I have become wealthy because I, as a broke person, learned the rules of the game, applied them consistently over time.
My friend, Ronald Muller, wrote an incredible book on this very topic. It’s How Much You Keep That Counts, Not How Much You Make. This is, in my opinion, the greatest book ever written on the topic. He covers all the “fine print” to make sure that you’re doing right, and teaches you how to legally write off, much that you are already paying for… after taxes. I highly recommend his stuff. So if you want to start playing the game of the rich and begin bringing home an extra $200-$600 or more per month, I would grab the book. But there’s a catch. In addition to buying the book, you’ll need to…
Start a H-ome B-ased B-usiness (HBB)
All the tips in this book are geared for people who own and operate a HBB. If you have one, congrats! If you have one and you don’t have the book, get the book. If you don’t have a HBB, get one, period, and then get the book!
On top of the savings listed above, once you start a HBB, your home phone becomes your company phone. Your home address becomes your business address. You can write off a percentage of your mortgage/rent and your utilities. Your car becomes your company car. Your vacations become business trips. And on, and on, and on.
It’s NUTS to me that every person in this country doesn’t have a HBB. I’ve determined there are only two reasons people don’t have a HBB.
They are simply ignorant (unaware) of the thousands of dollars they are losing every year by not having one
Or, they are just flat out out ignorant
So which are you?
I know if you are reading this article, you either have a HBB or you will shortly. Once you understand the wealth that can be created, just by minimizing your number one expense in life, TAXES, it would be silly to not start your own HBB.
Everyone knows someone who runs a HBB. Most HBB’s allow you to recruit others into the business and have simple turn keys systems that anyone can follow. Perhaps someone sent you this article to help you decide to join them in theirs. Why not? If they took the time and cared enough to get this article in front of you, to educate you and help you succeed, they are probably going to be a great person to work with.
Most HBB opportunities out there are very inexpensive to start, ranging from about $100-$500, some even less than that. And, your investment is a tax write-off (Uncle Sam will pick up the tab).
This is a NO BRAINIER. The book is a tax write off, meaning Uncle Sam will reimburse you the purchase amount. The business you start will be a tax write off, as well as any other related expenses. And as a HBB owner, all or part of the following expenses can be written off…
your home
your cell phone
your home phone
home gas/electric bills
dinners and entertainment
your gasoline
your car and related expenses
“business related” gifts
seminars
books, cd’s and other educational items
vacations, and much, much more
Imagine what you would do with an extra $2,000 on up to $6,000 a year in income? And that doesn’t include the income generated from your HBB. The $2K - $6K represents possible tax savings alone!
If more money would be a blessing to you and your family, what are you waiting for? Get yourself a raise! Order the book, and get back to the person who sent you this article, and learn about their business and see if it’s a good fit. Then, go see your HR person at work and make a little adjustment on your paper work (the book will tell you how), and start bringing home an additional $200-$600 per month, this month!