Rethinking Retirement: Why Cash Flow and Not Savings Is Your Golden Ticket to Comfortable Aging7/26/2023  By Al Ambrose Photo by Joshua Roberts
"It's not about what you save; it's about what flows in." This strikes as an unconventional stance in the world of personal finance, where the mantra 'save for the future' echoes in practically every corner. However, as we delve deeper into our financial security's intricacies in the later years, it becomes evident that savings might not be the fail-safe plan we've been led to believe. The problem lies in the uncertainties of the future - factors like inflation, currency fluctuations, and most significantly, the unpredictability of our lifespan. The inflation rate is a silent predator that slowly eats away at your savings. The dollar you save today might not hold the same value twenty years from now. Additionally, predictions about how long we might live and, consequently, how long our savings need to last, are anything but certain. So, how do we counter these challenges? The answer lies in cash flow. Emulating the strategy of multimillionaires might give us the answer. They focus on generating cash flow rather than building savings. They understand that passive income sources offer the level of financial security that savings alone cannot. So, how does cash flow offset these inherent problems associated with retirement savings? Firstly, cash flow directly combats inflation. A consistent income stream keeps pace with rising prices. As prices increase, so do profits and rents from your investments, your cash flow is no longer stagnant but dynamic, adapting to the economy's shifts. Secondly, cash flow also offers a buffer against currency value fluctuations. If you derive income from multiple sources or countries, chances are your income wouldn't wholly tank even if one currency's value plummeted. Lastly, cash flow answers the question of lifelines. Whether you live to 60, or 100, your income flow doesn't expire. Unlike a rigid savings pile, passive income adapts to the length of your retirement. It eliminates the fear of 'outliving your savings,' providing economic fluidity to support you for as long as you live. Examples of this abound. Consider real estate, a classic source of cash flow. Rental income can provide a steady stream of money that adjusts with market rates, buffering you against inflation. Alternatively, an online business caters to a global audience, mitigating risks from currency fluctuations. It's time for a paradigm shift, moving from a savings-centric model to one that prioritizes regular cash flow for retirement. While saving is an invaluable habit, it is only a part of the retirement equation. We need to act like the multimillionaires we seek to emulate, focusing on building reliable, sustainable wealth streams that secure our financial future, irrespective of how long that future might be. Looking to secure your financial future with continuous streams of earnings? Forge a path towards financial independence through residual passive income with National Business Ventures, LLC. Learn how to create not just one, but eight sources of perpetual income from experts in the field. Don't wait—your journey to financial freedom starts now. Click the link to begin your odyssey, http://NBVLLC.Com/BizStartup. Let us help you build your cashflow for life. Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers.
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 By Al Ambrose
Businesses today are operating in an increasingly borderless world, where success and scaling are often defined by strategic decisions and the identification of fertile markets. With the advent of global connectivity and digital transformation, one such strategy gaining recognition among savvy entrepreneurs is geographical arbitrage or geo-arbitrage. This term refers to leveraging significant variations in wages, living costs, and enterprise expenses across different geographical regions to maximize profits. And when it comes to the burgeoning promise of geographical arbitrage, the Philippines stands as a compelling case study. Located in the heart of Southeast Asia, the Philippines boasts a vibrant economy, extensive connectivity, and a diligent workforce that appeals to any enterprising venture. Not to mention, the low startup costs and lucrative profit potential that have made it an increasingly attractive hub for Western companies and individuals looking to start a small business. The power of geo-arbitrage becomes exceptionally potent when you consider the Philippines' startup costs. With far lower overheads compared to Western centers, the initial expenses linked to business registrations, licenses, and property rentals are surprisingly affordable. This drastically reduced upfront cost offers businesses the freedom to allocate resources towards product development, marketing strategy, or any other avenue key to their growth and success. Complementing the allure of minimal startup costs, the Philippines also offers a rich pool of educated, English-speaking workers who are often willing to work at lower salaries compared to their Western counterparts. Favorably for businesses, outsourcing work to this talented pool allows you to get the job done efficiently and at a fraction of the cost. Additionally, with most Filipinos being open and friendly towards Western culture, it also circumvents many cultural and linguistic barriers that can impede business operations overseas. Perhaps, the most compelling aspect of establishing a business in the Philippines is its high consumer demand for Western-origin products. Filipinos have a leaning towards Western brands, viewing them as quality markers and symbols of aspirational living. This perception makes the Philippine market a fertile ground for Western products. Be it lifestyle goods, technology, or gourmet cuisine, Western-origin products enjoy a boost in value perception among Filipino consumers, thereby opening avenues for superior profit margins. The above factors coalesce to present a powerful, profit-building equation. By utilizing geo-arbitrage, businesses can tap into the advantages that the Philippine market offers. They can benefit from drastically reduced operational costs, a skilled and cost-effective workforce, and a high-demand marketplace enamored by Western-origin goods. By starting a business in the Philippines, they can sell their products at the same price as in the Western world, but with significantly lower expenses, thus punctuating their profit margins. Aligning your business's growth strategies with geo-arbitrage not only makes good economic sense, but it also represents a forward-thinking approach adapted to our globalized world economy. The Philippines, with its unique blend of factors, represents an exciting opportunity for Western companies seeking to experience the manifold benefits of geo-arbitrage. Ultimately, geographical arbitrage is synonymous with smart business in today's era, and the Philippines could very well be the inception point of your entrepreneurial success story. Whether your venture is a fledgling startup or an individual seeking meaningful profit, the time to investigate the business potential of the Philippine market is right now. If you need a partner in the Philippines that can help you set up and start your geo-arbitrage business, get a virtual assistant in the Philippines by visiting MajaWorldwide.com Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers.  By Al Ambrose
People often overlook the simplicity and accessibility of using a basic tool like a cell phone to create income. In the fast-paced digital world, the assumption is often that complex systems and high-tech devices are required to generate substantial revenue. However, the humble cell phone, sitting in our pocket, holds significant earning potential. Various ways like providing specialized consultation, conducting surveys, offering customer service, and even phone-based recruitment can turn this everyday device into a source of income. This neglect towards using cell phones as a means of income generation may be due to a lack of awareness or understanding of its potential. Conventional means of making money are ingrained in society, so relatively unconventional ideas are often overlooked. Yet, in this era where technology is instrumental in our daily lives, it's high time we embrace and utilize these simple, yet innovative ways to earn money. By leveraging your skills, networks, and the ubiquitous cell phone, you might just discover a profitable venture that was literally at your fingertips. Here are 11 ways to make money with your cell phone: 1. Information Brokerage: Sell valuable information linked to a phone number such as market research data, legitimate leads, or customer feedback insights to brands and businesses. 2. Telephonic Consultancy: If you're an expert in a specific field like accounting, legal advice, or tutoring, you can offer paid phone consultations per hour or session. 3. Phone-based Customer Service: Many companies outsource phone-based customer service. You can provide these services - like booking management, complaint handling, or customer inquiries - remotely. 4. Phone Surveys: Market research firms often pay for conducting surveys over the phone. You could sign up to perform these surveys and earn money. 5. Virtual Telemarketing: Sell products and services over the phone, either as a self-employed salesperson representing various brands or on behalf of a telesales company. 6. Cold Calling for Recruitment: Recruiters frequently require leads and are willing to pay for them. Utilize your professional network to link businesses with potential candidates for a fee. 7. Phone-based Reservations and Scheduling Service: Provide personalized services to busy individuals or organizations who need assistance with making bookings, scheduling, and arranging various things. 8. Phone-bill Auditing: Offer a service that audits phone bills for errors and unwarranted charges. Your earnings come from a percentage of the savings you secure for clients. 9. Tech Support over the Phone: If you're tech-savvy, offer over-the-phone tech support. Help people troubleshoot devices, fix common software issues, and understand new tech for a fee. 10. Automated Phone Service Setup: Set up automated answering services, help lines, or hotlines. Businesses often need these services and may outsource the setup and maintenance. 11. Telephonic Language Tutoring:If you're proficient in more than one language, offer language tutoring services over the phone. This can be particularly helpful for people looking to practice spoken language skills. What if you would like a new phone number for your new ventures. You don't need a new phone, you can simply buy a new number and have all calls forwarded to your existing phone. Use this service to get your new low cost phone number today, http://ClickSpread.com/phone Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers. Photo by Andrea Piacquadio  By Al Ambrose The Capital One Platinum Credit Card is an excellent choice for anyone looking to build credit or improve their credit score. It offers a host of benefits that make it stand out from other credit cards on the market. In this article, we will explore the 11 benefits of the Capital One Platinum Credit Card and explain why it's an excellent choice for anyone looking for a credit card. 1. No annual fee: One of the most significant benefits of the Capital One Platinum Credit Card is that it doesn't charge an annual fee. This feature makes it an affordable choice for people who want a credit card but don't want to pay an annual fee. 2. No security deposit required: Another excellent feature of this card is that it doesn't require a security deposit. Most secured credit cards require you to put down a deposit to secure your credit line, but with the Capital One Platinum Credit Card, you can get a credit line without a deposit. 3. Easy application process: The application process for the Capital One Platinum Credit Card is straightforward and can be completed online in a matter of minutes. You don't need excellent credit to qualify. 4. Credit-building tool: This credit card offers credit-building benefits that can help you improve your credit score. It's a great option for people who are trying to rebuild their credit or establish credit for the first time. Capital One takes credit building seriously and provides its customers with tools to help improve their credit scores. For example, cardholders have access to CreditWise, Capital One's credit monitoring tool that provides free credit score updates and personalized advice on how to improve credit scores. Additionally, cardholders can customize their payment due dates to align with their paychecks, which can help them avoid missed payments and improve their creditworthiness. 5. Reports to all three major credit bureaus: The Capital One Platinum Credit Card reports to all three major credit bureaus, which can help you build or improve your credit score. 6. Fraud protection: Capital One offers fraud protection services that monitor your account for unusual activity and alert you if there is any suspicious activity. If you lose your card or if it's stolen, Capital One will also provide you with a new card at no cost. 7. Travel benefits: The Capital One Platinum Credit Card comes with travel benefits such as travel accident insurance and car rental insurance. These benefits can provide you with peace of mind when you're traveling. 8. No foreign transaction fees: If you use your Capital One Platinum Credit Card abroad, you won't be charged any foreign transaction fees. This feature can save you money on your purchases and make your travels more affordable. 9. Zero liability protection: With this card, you won't be held responsible for any unauthorized purchases made with your card. If someone uses your card without your permission, you won't have to pay for those purchases. 10. Customized credit limits: Capital One will customize your credit limit based on your creditworthiness, so you'll get a limit based on your credit history. As your credit history improves, so does your credit limit. 11. Security Features the Capital One Platinum Credit Card has a suite of security features designed to protect your account from fraud. Unlike debit cards that can expose your bank account to unauthorized transactions, this credit card protects your credit profile from fraudsters. For instance, the card has a $0 fraud liability policy, which means you won't be held responsible for any unauthorized purchases made on your card. Are you looking for a credit card that can help you build your credit? If so, the Capital One Platinum Credit Card might be the right choice for you. Unlike many other credit cards, you don't need good credit to qualify for this card. The Capital One Platinum Credit Card is a great choice for those looking to build or rebuild their credit. Since you don't need good credit to qualify for the card, you can use it to shift your credit in a positive direction. Click the link below to signup for this amazing card and earn a $100 signup bonus. Click Here Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers. Click the link to get $50 for signing up Click Here Also, get training on how to make money using automated referral systems. 4 Top Reasons to Join SECU Credit Union and Get Paid $50 Click Here
Learn how to make 10K a month. https://cutt.ly/Y5HapEI to learn how to make $10,000 a month with affiliate marketing. SECU Credit Union, is one of the best credit unions to join and here are the awesome reasons why. Ok, Maybe you want an easy to get $10,000 credit line to build your buying power, or maybe you would like to purchase a new home with only $1,000 or 1 percent down. They offer these options and a lot more. They can definitely help you build a strong financial future. SECU Maryland Federal Credit Union is a great option for all Americans seeking a credit union that delivers unparalleled services. One of the most significant benefits of being a member of this credit union is that anyone in America can join, and you do not have to be a Maryland resident. This feature is beneficial, especially when you live in a state with very few or no credit unions. One of the highlights of this credit union is its extensive business services. This feature appeals to business owners who seek to grow and manage their businesses effectively. The credit union's range of services for businesses includes checking accounts, savings accounts, loans, and credit cards. Moreover, the business loan services go beyond conventional lending options, as they cater to startups and entrepreneurs who may have difficulty obtaining funding elsewhere. SECU also offers a great range of personal loan services to its members. As a member, you will have access to products such as car loans, home equity loans, credit cards, and personal loans. The credit union also offers financial education services that help members make informed financial decisions. The unique feature that sets SECU apart from its competitors is the member referral program. The program pays members $50 when they refer a friend or family member who subsequently becomes a member of the credit union. This program benefits both the referred member and the existing member, creating a win-win situation. You can even earn $500 a month by referring 10 people to this credit union per month. Click the link below to signup now, and you will earn $50 from our referral link. Click Here Please know that none of the information provided in this post is designed to serve as legal or financial advice. Please consult a license professional when considering your business setup Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers.  By Al Ambrose
If you're thinking about starting a business, one of the most pressing concerns for new business owners is how to secure capital or funding to grow their business. The good news is, it is easier than ever to get capital for your business if you know some of the methods that top companies use that are available to everyone. You can secure $75,000 to over $500,000 in business credit funding by using the power of a shelf corporation. Business credit is often crucial to the scaling of your business and growth in the long term, and in this post, I'm going to share with you how to use a shelf corporation to establish business credit. Establishing business credit is an essential step for any business owner looking to scale their business, but it can be a long and difficult process. One way to expedite the process is to use a shelf corporation to establish business credit. So what is a shelf corporation? A shelf corporation is a pre-established corporation that has not conducted much business, has no liabilities, and has been sitting on a "shelf" waiting to be sold. Using a shelf corporation to establish business credit can provide several advantages over starting a new corporation from scratch. For starters, a shelf corporation has a business history, which gives it credibility with lenders and suppliers. It also has an established track record, which means it has already gone through the process of building a business structure, filing taxes, and establishing a banking relationship. This history can help the business owner access credit and financing more easily, as well as negotiate better terms with suppliers. Business owners from all walks of life and all business types are getting hundreds and thousands of dollars in funding by using shelf corporations. Additionally, using a shelf corporation to establish business credit can help the business owner create multiple streams of income by providing opportunities for passive income generation. Once the shelf corporation is established and has built up its business credit, it can be used to secure loans or lines of credit that can be used to invest in other businesses or real estate. This can help the business owner create new revenue streams and build additional income sources. Using a shelf corporation to establish business credit is a smart and strategic move for any business owner looking to scale their business, create multiple streams of income, and build a strong credit profile. By leveraging the history and credibility of a pre-established corporation, business owners can access funding and financing more easily and more quickly, which can translate to increased growth and success for their business. If you'd like to get started building business credit and securing 75,000 to $500,000 in funding using the power of a shelf corporation, click the link below to get instant access to our list of low-cost shelf corporations that are available nationwide. Enter your information and one of our representatives will contact you shortly with details on the process. Click Here to Start Now 
By Al Ambrose
It is easier to set up a business now, more than at any time in history. Using the internet, you have the possibility of setting up companies from anywhere in the world and almost any state in the United States. Entrepreneurs and Solopreneurs are seeking ways to protect themselves and their companies from unforeseen and foreseen liabilities. One of the best ways to do that is to set up a Limited Liability Company or an LLC. An LLC is one of the fastest-growing business setup structures. People of all ages have access to this easy-to-set-up company structure. One of the leading companies online that specializes in setting up LLCs for people all over the United States of America is Inc Authority. They offer a wide range of services from LLC setup to business advisors, business bank referrals, payment processing referrals, and most importantly a registered agent service. When you visit their website, you will see that they offer a low-cost LLC setup service where you can just pay for the state filing fee and have your LLC usually formed within five business days you can receive your documents via email depending on the state that you are filing your LLC. In some states, it may take longer based on staffing and the availability of electronic filing portals. Inc Authority offers electronic filing of your LLC, and it just takes a few minutes to file. If you have a clear understanding of what type of business you want to set up, it will only take about 8 minutes to fill out their simple online form and make your payment, and have your LLC paperwork underway. If you decide to do a lot of the services that they offer by yourself, you can save a lot of money, but you may have to dedicate a lot more time to the setup of your business. However, if time is of great concern for you and you would like additional services, they offer options that allow you to request services by selecting those options in their online portal and adding them to your check-out payment cart. Inc Authority offers prompt and efficient service and has been around for several years and is a leader in the industry. My dealings with them have always been pleasant, and they do their best to address all their customer's concerns in a prompt and efficient manner. Inc Authority's sales representatives are quite aggressive in their efforts to have you buy additional services. Some things you may need, and some things you may not. You really need to consider what you really need to get your business up and running. In most cases, you only need to have your state documents filed, but you may be interested in other services that they offer. I personally have helped my clients to get several LLCs started using their services. I highly recommend them, and I think that if you're looking for a low-cost solution for setting up your LLC, Inc authority should be at the top of your list. Start Your Business for FREE, 100% FREE Online LLC registration. You only pay the required state fees-and they’re tax-deductible! Click the link below to visit their website and get this offer. Click Here to get this offer. Please know that none of the information provided in this post is designed to serve as legal or financial advice. Please consult a license professional when considering your business setup Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers. 
 Step 1 – Choose the Right Business Structure
To make your business a distinct legal entity requires that you select a business structure such as an LLC, LLP or corporation. Remember, sole proprietorships do not create a separate business entity. Click Here to Start To Do It Yourself or Click Here to Have Us Do It for You. Step 2 – Obtain a Federal Tax ID Number (EIN) You can apply for a federal tax ID for free using the IRS assistance tool. This is a nine-digit number assigned to your company which you will use for things such as filing company tax returns, opening a business bank account, applying for licenses and permits, and applying for business credit. Step 3 – Open a Business Bank Account Once you have your federal tax ID, you’ll want to open a new business bank account for your company. This is a mandatory step in creating a clear separation between your business and personal expenses. Step 4 – Establish Credit with Vendors/Suppliers Who Report One of the fastest and easiest ways to build business credit is to apply for net terms with vendors and suppliers. However, if your goal is to have $250,000 to $500,000 in business credit your best option is to use a service provider. Click Here to Start Now. Step 5 – Monitor Your Business Credit Reports There are three major business credit reporting agencies, so it’s important to monitor each of your company credit files. Each agency collects data from various sources and may have different information about your company. Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers.  Click the colored underlined words below to get more information.
1. Capital One Platinum Mastercard If you're just starting out, and you need a card, that's going to give you a great chance of being approved. This Capital One Platinum Mastercard is a great place to start. This card allows you to build your credit and start with a low introductory credit limit. If you're serious about building your credit, this is the card for you. 2. Sofi Credit Card This card offers an excellent chance of being approved. This card has good features and is connected directly to one of the premium Fintechs. If you don't already have a Sofi credit card, you're missing out on one of the best cards to get and one of the easiest application processes. Sign up for this car today and start enjoying this really awesome introductory card. 3. Chime Credit Builder Credit Card You will need a Chime account first, then you can get this amazing Chime credit builder card. This card works like a prepaid debit card but with one amazing feature, they report directly to the credit reporting agencies and your credit score can go up as much as 40 points. If you're looking for a card that seriously allows you to build credit semi-passively, this is the card for you. 4. Sable Credit Card It's hard to get turned down for this card. The sable credit card allows you to build your credit on your own terms. Don’t miss out on this amazing card. Take charge of your credit, both now and in the future. See why everyone is talking about the Sable credit card for credit building consumers. Sign up for this amazing card and enjoy the rewards of this simple credit-building system. 5. Cred.ai Do you want to know what your pre-approval is before you join this amazing credit card? Well, that's what you get with the Cred.ai card. All people signing up get a minimum of $1,500 credit balance reported directly to the credit bureau. You still need to load the card with funds, but regardless of what you load the card with, you still get at least $1,500 reported as your credit balance with this card. This is also a good card for serious credit building. Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers.  Here is the to-do list for starting a vehicle rental business with Hyrecar. Click the underlined words below to get more information.
Please Note: All the links in this post are clickable and provide great resources, and we may get some benefit from them monetarily. We are affiliate/partners with a few of the service providers.
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