Is Your Well Running Dry?

”I just graduated college with $100,000 in debt”, yeah people clap celebrate and even hug you. 🎉

“I just got a loan for $400,000 to buy my first home”, yeah people clap celebrate and even hug you. 🏡

“I just got a loan for $40,000 for a new car”, yeah people clap celebrate and even hug you. 🚗

That’s $540,000 in total debt most people are living in(add a few hundred thousand for those living in Southern California), but they are feeling good about it because they are being celebrated for it.

Now, go tell those same people you spent a few hundred dollars to start your own business…

“Whoa, are you sure?”
“What are you going to do if it doesn’t work?”
“Umm.. I don’t think those things really work”
“Do you think you can get your money back?”

Picture a bucket full of crabs with no lid… the crabs never escape the bucket. The moment a crab tries to get out of the bucket, the other crabs pull it back down.

Pay attention to who you are surrounding yourself with and who is speaking into your life.

Are you Living Your Ideal Life?

What IF? Imagine a Business (Part Time) or Full Time where by redirecting your spending –
Is your cost of doing business?

Meaning – no additional money needed other than money you already spend in this area of your life.

You move product in “personal consumption” you don’t sell product?

The model is a network of consumers who are invested in these products for life and We (You) are the customer and the coach.

Believing in Yourself is the Most Powerful Tool you need

This is a Democracy in its finest form – Team Business

Listen to my story about this Lifestyle –

Ways to Increase Your Income

Looking for ways to boost your income? Maybe you are struggling to pay the bills, or you would like to meet your financial goals more quickly.

There are short-term income solutions… like getting a second, or maybe even a third job.

However if you know that you need more money and a long-term solution to your problem, you may want to consider a ‘side hustle’ and use your passions to help you earn money over the long-haul.  With the right ‘side hustle’ you might find yourself replacing the income source you currently count on, and building residual income.

A Side Hustle

A side hustle is any type of employment undertaken in addition to one’s full-time job. A side hustle is generally independent contractor work that provides a supplemental income.

One way to increase your income is to pursue a side hustle that you enjoy. This will likely start out as something that you do part-time while you are still working at your original job. However, if you are smart about it, you may be able to grow  a side hustle into something that brings in full-time income.

Create a Residual Income Stream

I am talking about residual income streams that work all the time, even when you’re asleep.

When it comes to residual income, you have to build a team of people interested in what you have to offer and then work with them, helping them build their own businesses… all the while generating residual income for you.

Make Money with Your Hobbies

My hobbies have for years revolved around health and wellness. To that end, years ago I studied, and obtained, my nutrition and fitness coach certifications.

Then I put my health and wellness passion – to good use. I started building a network marketing business promoting health and wellness.

I have been earning a living in network marketing for over 10 years. During that time I have built a brand, amassed an audience,  and generated residual income. Simply put I shared my passion (and hobbies) for health and wellness with family, friends and my social media audience.

If you are interested in learning more about how I turned my side hustle into full time compensation, and residual income, schedule call and we’ll chat.

Things that will cost more in 2019

From the desk of Michele Foster – I found this headline at

Illinoisans will pay more for gas, vehicle registration, cigarettes and parking after a bipartisan vote for $45 billion in new capital spending.

For that reason, I decided to share this article on other goods and services that will be increasing in 2019.

While 2018 was a good year for many — with relevantly high consumer sentiment across the board, a plethora of jobs and record high stock market gains — despite a few jitters along the way, you never know what a new year could bring.

But one thing is for sure, everyday things from your cable bill to your groceries will cost more.

Here’s a list of things that will go up in price next year.

1)      Food Prices

Shot of a young woman shopping in a grocery store

2)      Stamps/Postal Service

Fort Collins, Colorado, USA – August 16, 2013: Delivery vehicles parked at the United States Post Office in downtown Fort Collins. With almost 600,000 employees, the United States Postal Service is the second largest civilian employer in the United S

In October, the United States Postal Service filed notice with the Postal Regulatory Commission (PRC) of potential price changes that will take effect Jan. 27, 2019. In the notice, the Postal Service proposed a slew of price increases that were later approved by PRC in November. The increases include Priority Mail Express prices, which will rise 3.9 percent, while Priority Mail will increase by 5.9 percent and first-class mail will rise by 10 percent. What’s more, the price of a “Forever” stamp is set to rise by 5 cents to 55 cents, a 10 percent increase.

3)      Medicare

Stethoscope and pen in doctor robe pocket. Concept Of The Global Healthcare, Medicine And Insurance

In October, the Centers for Medicare & Medicaid Services (CMS) released its 2019 premiums, deductibles and coinsurance amounts for the Medicare Part A and Part B programs. In the memo, the standard monthly premium for Medicare Part B enrollees will be $135.50 for 2019, an increase of $1.50 from $134 in 2018. However, an estimated 2 million Medicare beneficiaries (about 3.5 percent) will pay less than the full Part B standard monthly premium amount in 2019 due to the statutory hold-harmless provision, CMS noted.

Medicare Part A inpatient hospital deductibles will also see an increase of $24 next year.

4)      Prescription Drugs

Prescription white pills

Prescription drug rates are expected to increase 4.92 percent in 2019, according to researchers from the health care improvement company, Vizient. In a statement Dan Kistner, senior vice president of Pharmacy Solutions for Vizient, said the two key themes they saw “were the continued growth of specialty pharmacy products as a share of total spending and the critical importance of ongoing, robust generic and biosimilar competition on restraining overall price growth.”

5)      Travel

travel to London by flight, airplane in the sky over Tower Bridge

Travel prices are expected to rise sharply in 2019, with hotels going up 3.7 percent and flights 2.6 percent, driven by both the growing global economy and rising oil prices, according to the Global Travel Forecast.

6)      Comcast rate increases

watching football on a wide screen

In November, Comcast announced its cable, phone and internet subscribers will see an average 3.3 percent increase on their bills beginning Jan. 1, 2019.  The rate increases are mainly due to the rising programming costs in both broadcast and sports. “While we try to hold costs down, price changes are necessary for a number of reasons, including the continually increasing costs associated with carrying the programming our customers demand, especially broadcast television and sports programming, which are the largest drivers of price increases,” Jennifer Bilotta, Comcast’s regional vice president, said in a statement.

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