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PERSISTENCE PAYS OFF

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#persistence #don’tquit #don’tgiveup
If you know what you have is good, stick with it.
Don’t give up, even after setbacks.
Of course, if you find that what you have has something to be desired, try something else.
Tom Black discussed persistence in an April 5, 2015, column in The Tennessean newspaper in Nashville.
Black writes that he tells every salesperson he meets: “Persistence and determination are omnipotent.”
He tells the story of Ron Wayne, the third founder of Apple Computer with Steve Jobs and Steve Wozniak. Wayne sold his Apple shares after the first year for $300. Had he held on, he’d be one of the richest men in the world today – worth more than $40 billion.
Wayne obviously knew he had something good. But, as he admitted, “my whole life has been a day late and a dollar short,” Black quotes him.
There are many other stories out there of successful people either starting with nothing and becoming successful, or becoming successful, going broke and becoming successful again.
Most people either don’t become successful, or settle for mediocrity in their lives. Perhaps they were encouraged to crave security, do what you need to do to make a living, so that no one thinks you are a failure.
Certainly, most of these folks work hard. Some of them might even work too hard. But something is missing from the equation. Usually, it has to do with goals and dreams.
Each day, ask yourself why you do what you do. Is doing what you do going to give you want you want from life? If so, keep doing it. If not, look for something good. When you find it, stick with it and pursue it with persistence, no matter what happens to deter you, and no matter what people say about what you are doing.
Mind you, most people would advise you not to quit your day job to pursue your dream. The good news is, you won’t have to, if you find the right vehicle. If you find it, eventually you may be able to quit that day job, escape mediocrity and do something more than just make a living.
The ingredients for such a life starts with realizing you could do better than what you are settling for. Once that hits you, find what you REALLY want to do. Start pursuing it part time. If success doesn’t come quickly, don’t give up. Be persistent.
Hone your persistence by doing something related to your goal every day. That doesn’t mean using every waking hour off your day job to pursue your goal, though, for some, it’s that important. But, look for activities in your life that you can cut, or eliminate, to give you the time for your goal.
If you are not finding the vehicle to help you reach your goal, there are many out there, if you are willing to look, and know where to look. For one of the best, visit www.bign.com/pbilodeau.
In short, find your goal, find your vehicle, devote time out of your daily life to it and eventually reap the rewards. Those rewards may not be instant, and they may not come without setbacks. But if you know that what you have is good, and are persistent, you’ll eventually see results.
Staying power is lacking in most people. If you don’t believe that, ask Ron Wayne.

Peter

HOW GREAT ARE YOU?

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#greatness #self-confidence #doingrightbyothers
There’s a difference between self-confidence and greatness.
Great people never proclaim their greatness. But others may. Self-confident people express confidence to themselves, and just show it to others.
Don Yaeger, a former associate editor for Sports Illustrated magazine, has interviewed thousands of great people in his career. In his book, “What Makes the Great Ones Great,” he lists 16 characteristics of greatness. They are: hating to lose more than wanting to win, appreciating the values of association, placing faith in a higher power, having contagious enthusiasm, preparing for all possibilities, having no off-season, visualizing victory, using adversity as fuel, being a responsible risk-taker, knowing how and when to make adjustments, becoming the ultimate teammate, being motivated by more than money, doing right by others, living with integrity, being a role model and creating a well-rounded legacy.
We won’t focus specifically on all 16 here, but we will draw out what a great person, defined as a person capable of doing something great as determined by others, based on Yaeger’s characteristics.
This person has drive. He or she is capable of motivating others by allowing others to observe how he or she acts.
The person gives and does for others enthusiastically, without expecting anything in return. He or she goes home each night knowing he or she has done the best possible.
He or she knows the goal and knows the drill. He or she doesn’t say to others, “Try again. I’ll know what I’m looking for when I see it.” If what’s produced is not up to standard, he or she says exactly what needs to be done to make it so.
This person won’t criticize you. He or she will care about you for who you are. He or she will do all possible to make YOU the best YOU can be. Very likely, personal reward will come his or her way, though that’s not the goal.
This person knows bad things will happen. But his or her strength comes from turning bad to good, using whatever it takes and staying with what works. He or she will look to others to find the how, but will have a firm grasp on why.
He or she doesn’t have to be well educated on paper, but will read a lot of the right things and learn a lot from others. He or she is not content to be content. He or she not only wants what he or she wants, but also wants it for others.
Not only does this person completely understand right from wrong, he or she does the right thing, even without thinking about it, and when no one is looking.
He or she is the same person among family, friends or strangers. He or she doesn’t ask anyone to follow him or her, the way, say, a dictator might. People follow him or her BECAUSE of who they are. No duress, no distress, just success for all.
We all have potential for greatness. We all have potential to achieve all that we want. We all can find the best role models to emulate. Yet, not all of us do what we are capable of. If you want more than contentment and are searching for a vehicle to give it to you, visit www.bign.com/pbilodeau. You’ll see people enthusiastically doing what they need to do, to get what they want.
Don’t let others, or circumstances, stop you. Achieve greatness. Get the help you need and follow what the best are doing. Do right by others. Bring others with you as you achieve. Know why you are doing it, and let reward come to you.
Peter

THE MARSHMALLOW TEST, PART 2: PUTTING YOUR MIND ON SELF-CONTROL

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Though the marshmallow test was taken by 4-year-olds, other research into willpower focused on adults.
The research was highlighted in the book, “The Marshmallow Test: Mastering Self-Control,” by Walter Mischel, and discussed in a Feb. 15, 2015, column in The Tennessean newspaper of Nashville by Gregg Steinberg, professor of human performance at Austin Peay State University in Tennessee and author of “Full Throttle.”
Steinberg suggested several ways to improve one’s willpower. In the first, he advises to focus on the future. Many of us only think about today, and how we can be instantly gratified. The world moves quickly, and the advancement of the Internet and social media gives us instant results.
That can be good and bad. It’s good that we can get information instantly, but not so good if your employer reorganizes frequently and costs you a job.
This instantaneous world requires us to think about the future, because it has become so unpredictable. So, if you want to work until you want to retire, it may not happen. Expect your “retirement” to come sooner than you want, and expect that you probably won’t know when it’s coming.
That means that while you have a paycheck, put some of it away where you can’t touch it, and where you can watch it grow. It will help cushion that unexpected retirement.
Steinberg also advises to give yourself rewards. When you accomplish a goal, treat yourself. He quotes an example of hungry students. One group was given cookies and candy, the other radishes. They were asked to solve unsolvable anagrams. The ones who ate the sweets were better able to stay on task, since chocolate is more fun to eat than radishes.
Of course, part of having willpower is frequently avoiding sweet treats. But if you do something good, it’s OK to celebrate, briefly.
Finally, Steinberg says self-control is a mind-set. He quotes a study of students at final exam time. He says the students who believed their willpower was limitless did better than those who believed the opposite.
In sum, those of us with futuristic thoughts, who give ourselves periodic rewards for doing good and who put our minds to it will have good willpower.
If you are having trouble coming up with a Plan B, in case your Plan A fails you in the future, visit www.bign.com/pbilodeau. Perhaps if you see the good in there, your thoughts of the future will turn to dreams.
So celebrate appropriately. Learn to believe that waiting for something good is not only possible, but desirable.
Know where you want to be, and perhaps what you want to be doing 10, 15 or 20 years hence. Then, work toward that end. You may hit some bumps along the way, but your strong mind can guide you toward your own solutions.
Have the will. Find the way. Don’t be easily tempted to stray. The journey often is more fun than the destination. Press on with care and patience.
Peter

THE MARSHMALLOW TEST, PART 1: THE POWER OF WILLPOWER

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#marshmallowtest #willpower #achievegoals
Would you pass “The Marshmallow Test?”
In his book, “The Marshmallow Test: Mastering Self-Control,” Walter Mischel describes decades of research related to willpower.
Gregg Steinberg, professor of human performance at Austin Peay State University in Tennessee and author of “Full Throttle,” discussed Mischel’s research in a column in The Tennessean Newspaper in Nashville Feb. 15, 2015.
The Marshmallow Test involves 4-year-olds. They sit at a table, each with a marshmallow in front of them. The adults leave the room for upwards of 20 minutes. The children are told, as the adults are leaving, that they will get another marshmallow if they stay in their seats, and refrain from eating the marshmallow in front of them. The children also had the option of ringing a bell on the table, after which the experimenters would return and the children could eat their marshmallows.
How would you do?
You can go to youtube.com and check out a few videos of this process, Steinberg wrote.
Steinberg writes that the researchers discovered that the more seconds the child waited before ringing the bell, the higher they rated on social and cognitive functioning when they were retested decades later, Steinberg writes.
The study found that those children who waited longest to eat their treat had higher SAT scores, lower body mass index a better sense of self-worth, pursued their goals more effectively and dealt better with stress, Steinberg writes.
As adults, some of us hate marshmallows and could sit there for hours without touching it, or ringing the bell. In the meantime, we could amuse ourselves checking e-mail on our phones, texting our friends etc.
So, we could pass the literal marshmallow test with flying colors.
We might even be able to pass the test if the marshmallow were substituted for something we love, be it chocolate, steak, etc.
We might even tell ourselves that as adults, we have far more patience than a child.
But let’s take it a step further. What goal do you have sitting in front of you that you’d love to achieve, but may find difficult to achieve?
Is it making lots of money, or having a secure retirement? Is it moving up the ladder in your company, or even just surviving in your company for as long as you want to?
Do you want your goal badly enough to do what you know you need to do to achieve it? Do you have what it takes to deal with the inevitable pitfalls that will come your way, yet not stray from your mission to achieve that goal?
If so, consider yourself passing The Marshmallow Test. Should you find yourself short of tactics to help you achieve your goal, visit www.bign.com/pbilodeau. You’ll see one of the many ways to achieve goals that your current circumstances may not help you achieve.
Life, like marshmallows, can be a bit squishy. But goals, and the willpower to achieve them, keep you firm. Stay firm. Step over life’s squishiness. Stay patient. Achieve your goals. They are there for those who wait, and work smartly.
Peter

CHANGE CAN BE HARD! EMBRACE IT!

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#change #gettingunstuck #changehappensquickly
A few decades ago, change came slowly to the world.
It evolved over time. Chances are, people could ride out the evolution without having to worry much about the change when it came. They believed they would be long gone from it.
Today, change happens quickly. Just when you think you will be set for life – or for at least as long as you want to be – boom! Your very secure job is gone! Life as you knew it will never be again.
But with frequent and sudden change comes opportunity, as well as hardship.
George and Sedena Cappannelli discuss all of this in their book, “Getting Unstuck: 10 Simple Secrets to Embracing Change and Celebrating Your Life.”
The authors talk about how many of us were taught by our parents to look for security, to gravitate to what was “safe,” and to pay little or no attention to those who would encourage us to take risks.
You see, our parents lived in a world in which change evolved slowly. The tried and true was constant. You earned a living, instead of fulfilling your dreams.
Today, change is frequent and quick. One must adapt constantly. It’s more challenging for us, yet we have more opportunity to fulfill our dreams, rather than to just make a living.
How do we fulfill our dreams when our supposed security blanket is pulled from underneath us?
First, we need to presume that there is no such thing as a security blanket. We can’t, for example, look at a job, or even a career, as something long-lasting. We live in a world now in which change is so constant, tomorrow there could be a new way to do what you do.
So, learn skills and get experience. Keep thinking of new ways to use your skills, whether in a particular job, or on your own. Remember, always, that the day will come – and you don’t know when – in which you could be literally on your own. When that comes, it won’t matter how good you were at your job, or how valuable you believed you were to your company.
The Cappannellis also talk about how security blankets inhibit dreams. Did your (pick one: parents, teachers, preachers) ever tell you to stop dreaming and get real? Well, you got “real” and suddenly, you’re alone. Reality has slapped you in the face. With that lesson learned, go ahead and dream again.
How do you make dreams come true when, you believe, you have lost your method of making a living? There are many ways out there not only to dream, but to make dreams come true. For one of the best, visit www.bign.com/pbilodeau. You’ll see how other people, just like you and your friends, got real, got slapped and made their dreams come true.
OK, perhaps you have no reason to throw away what you have. Great. Keep it. Just don’t presume it will never go away, or that you can have it for as long as you want it.
When you are not doing your “real” thing, what are you thinking about? If you think about a life in paradise, or a life of service – free from the need to make a living – it’s OK to dream. You can get that life. Just have your Plan B in place so that when reality slaps, you can smile.
Peter

PUBLIC VS. PRIVATE: BE AN IMPACT INVESTOR

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#investors #publicprivate #impactinvesting
Who will solve the great problems of the nation and the world?
Will it be governments or private citizens?
Or, will it be a little of both?
It was thought that private citizens would never solve anything unless they can make money – gobs of money.
Governments, on the other hand, don’t have any money, but spend it anyway, sometimes futilely.
New York Times columnist David Brooks discussed the new concept of “impact investing.” That is private money going into investments that attack some of the world’s problems. The Atlanta Journal-Constitution published his column Feb. 3, 2015.
Brooks says that the private market, prone to devastating crashes and producing widening inequality, combined with gridlocked, ineffective government aren’t getting the job done.
So a group of smart people with opposable minds – part profit-oriented and part purpose-oriented – have created organizations that look a little like businesses, a little like social-service providers and a little like charities – or some mixture of the three, Brooks writes.
They are creating new impact funds, social stock exchanges and include players like Goldman Sachs and Credit Suisse. The first wave of this sector was led by Ben & Jerry’s ice cream. Now you have an array of capitalist tools ranging from B Corporations like Warby Parker, which gives free glasses to the poor, to social impact bonds. Brooks writes. He quotes at 2010 report by the Rockefeller Foundation and JPMorgan that says impact investing capital could amount to $1 trillion by 2020.
So what’s happening here? Did government failures in helping its people make wealthy people feel guilty – guilty enough to accept a potentially lower profit to help lots of people?
Capitalism is a marvelous institution that has gotten a bad rap. People are beginning to realize that it’s not how rich you become that matters, but how you become rich. Did you do well by doing good? Were you helping others succeed as you were succeeding? Once you’ve achieved success, did you hoard all your gains, or did you use them to help those worthy of your help?
It’s clear not everyone is going to get rich. But there are many vehicles out there that allow ANYONE to get rich. For one of the best, visit www.bign.com/pbilodeau. Check out a model in which success only comes by helping others succeed.
Think back to the days when you were young, and just starting out in the workforce. You probably had an entry-level job for, say, a small business. When the time came for you to move on to other things to better your life, how did your boss treat you when you left? Was he wishing you well, telling you he was proud to have you work for him and offer any lifelong assistance (not necessarily financial) that you might need? Or, was he the type that was upset that you were quitting and leaving him short-staffed? The former likely was a pleasure to work for, because he looked out for you, and you, in turn, made sure you did your best for him. The latter likely had employees who were indifferent toward the boss, didn’t care whether his business succeeded and probably worked under a good deal of stress.
If you become a boss, which kind would you like to be? If you become an investor, which kind would you like to be? People who work hard on being better people tend to have success follow them. Those who don’t, and still achieve success, probably have lots of current and former employees, who got relatively little in return, to thank.
Peter

YOU’RE BEING TRACKED: HOW DO YOU LOOK

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We are all being tracked.

Complete privacy is a thing of the past.

The best we can hope for is that we look good to the world.

Kate O’Neill, founder and principal of KO Insights, discussed this in a Dec. 21, 2014, column in The Tennessean newspaper in Nashville.

“We have the means to measure, by some proxy, how we live up to our intentions and how we impact others,” O’Neill writes. “The strategy we set today provides the framework for improvement tomorrow,” she says.

Our life trail will certainly show imperfections. It will show what we did right, what we did wrong. The question becomes: did we do better today than yesterday, and will we do even better tomorrow?

It’s one thing for a person to succeed. But did he help others succeed in the process, or did he succeed because he took advantage of others?

Sophisticated devices, social media and other modern conveniences leave us more exposed than ever. We leave trails of data everywhere. We use the Internet to find jobs or customers, who can learn so much about us in a very short time.

It’s all good, right? For those who wish to remain as private as possible, it’s not necessarily good. For those who wish to conceal some things about them, it’s not so good. But most of us want to be out there, for everyone to see. We want to be able to communicate with others easily, even if we can’t meet face to face.

Of course, personal contact and face-to-face meetings are far superior to other communication forms. After all, we can’t read people online. Personal interactions are much more fun than our impersonal ones.

So what do you look like to the world? What mark are you leaving for all to see? Are you helping others?

We must be careful as we look at others not to judge quickly. As New York Times columnist Nicholas Kristof wrote recently, his high school friend in Oregon who died at 54 could look, at first glance, like a typical moocher. But Kristof, and those who knew him well, knew him as a hard worker, who just got down on his luck. Kristof called him a victim of economic inequality.

There are many ways those of us who might be down on our luck economically to recover, without asking for a handout. For one of the best, visit www.bign.com/pbilodeau. Success could be there for the taking if you are sufficiently motivated.

Paul Anka’s lyric in “My Way,” made famous by Frank Sinatra, says, “The record shows, I took the blows, and did it my way.” If “your way,” is to help others, may you take the blows deftly, without injury. Success likely will grace you. If “your way” is to do all for yourself, and little for others, may the record show improvement today, and even more tomorrow.

Peter

JEALOUSY, ENVY AND CHANNELING EMOTIONS

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#jealousy #envy #emotions
We can debate whether jealousy and envy are the same, but both can be negative, or positive, emotions.

We may be jealous if our significant other chooses someone else. But if our significant other chooses someone else, what can you do about it? It’s probably best not to be where one is not wanted, and move on.

Andrew Stark, in the Dec. 10, 2014, edition of The Wall Street Journal, reviewed the book “Jealousy,” by Peter Toohey. Stark says Toohey talks about jealousy among employees. Studies suggest, Stark quotes from the book, that workers feel pressure to fall short of expectation so as not to arouse the jealousy of their peers.

Is it really better to slack off a bit, so as not to stand out? If so, you may be working in the wrong place. Perhaps you really don’t want others to look bad, because you don’t want others to be jealous. Perhaps you don’t want to elicit envy by outperforming others. If you feel that way, remember that jealousy and envy are the emotions of others. Just as with a significant other, it may be best not to stay where you are not wanted.

Conservatives in the media talk a lot about the evils of wealth envy. With wealth envy, one wishes ill on others who have more than they. There are a couple ways to look at this. If those of whom one is envious has gotten his wealth off the backs of, or at the expense of others, do you really want to be envious of him? Perhaps you’d rather be envious of the person of stronger moral character.

Secondly, envy of the wealthier person can be a strong motivator. If you want what that person has, perhaps you need to find a vehicle to get you closer to where that person is in resources. There are many such empowering vehicles through which people help others, and are rewarded for it. For one of the best, visit www.bign.com/pbilodeau.

As Stark points out, Toohey’s book says jealousy and envy can be, and often are, destructive emotions. But they can also serve as motivators.

The lessons here abound. If one uses emotions for the good, they can lead to advancement of circumstances, and of the person. If one uses emotions destructively, they can cause harm to others, and harm to those who feel them.

Many of us hope that we never let emotions get in the way of our progress. But we are not human if we don’t feel emotion. So, instead of making the effort NOT to feel something, use what you feel as a motivator, rather than a destroyer.

That doesn’t mean we shouldn’t THINK about how we feel. We should most definitely think about why we feel as we do, and how to channel those feelings most productively.

At the same time, we should let others channel their feelings as they believe best. We should not let our positive behavior decline because others may not like it. The most successful people have been outcasts, and one must determine that success is far more important than how others may feel about it.

Finally, the most success comes by helping others. If we help others be successful, to borrow from Zig Ziglar, our success will follow.

So if you are feeling jealous, don’t get mad. Move on. Or, be glad you have something to aim for. If you envy someone, do what you need to do to be more like him. In either case, be careful. Know that what you might be aiming for will be good for you, and for others.

Peter

WANT IT FIRST, THEN DO WHAT YOU NEED TO DO

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“The difference between a successful person and others is not the lack of strength, not the lack of knowledge, but, rather, the lack of will.
Vince Lombardi
#motivation #desire #happiness
You’ve heard lots of talk about discipline.
What you don’t always hear about is the link between desire and discipline.
Some people know exactly what they want from life. Others really haven’t a clue, except for some superficial desire for money, power or some other thing in the abstract, especially when they see that others have what they don’t.
Those in the first category usually not only know what they want from life, but also find a way to get it, even if it means having to do some uncomfortable things before they get it.
Those in the other group will search for contentment, probably never find it in absolute terms and complain that they are not getting it. Many of us know these people. They work at a job, or in a certain place, they make a living and make the best of what life gives them. They realize it’s not enough and are envious of those who have more. Envy is a profound energy waster. It will produce nothing, but will gradually drain one’s physical and mental resources.
Those in the first group look at others’ accomplishments as goals for themselves. They don’t waste energy on envy, resentment and other worthless emotions. They focus their energy on what they need to do to achieve what they desire.
It’s difficult, but not impossible, to convert from one type of person to the other. It’s not easy for an envious person to be self-reflecting. It’s not easy for a motivated, discipline person to sink to the level of the envious, providing he doesn’t listen to what the envious tell him.
But let’s just say an envious person has an epiphany, the same way an addict gets the message that he needs to stop. When that happens, the envious person learns that he DOESN’T have to accept things as they are. He learns there IS a way he can better his life, even, perhaps, without interfering with what he is doing.
What might cause this? Desire! One must realize that he would like something in life strongly enough to make changes, to discipline himself to do what he needs to. Just as the addict might one day say, NO MORE, and mean it, the envious person might find the desire that has been missing. He might realize that contentment is not the same as happiness. He might discover something inside him that will make him want to change.
It’s easy to be fooled by procrastinators. They will talk eloquently about what they will do tomorrow, but that tomorrow is long in coming. They realize contentment isn’t so bad. The person truly converted from envious starts immediately. He doesn’t necessarily look for things to happen quickly, but he performs activities needed to change his life
Are you an envious, contented procrastinator? Or do you want more from life than what you have, and are willing to do what you need to get it? If so, visit www.bign.com/pbilodeau. See firsthand how people motivated by what they want can get it. Then, see how motivated people help other motivated people do the same.
They had, or discovered, a discontent with a contented life. They didn’t want to wait for something to happen. Instead, they did what they had to do to make it happen.
Another characteristic of motivated people is that they can lose everything, and know they can get it all back. Instead of settling for contentment, they strove for true happiness, and helped others do the same.
Peter

BE AN INVESTOR MORE THAN A CONSUMER

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#retirement #investments #saving
Investing for retirement need not be scary.
It also need not be impossible, no matter your income, age or situation.
Also, a secure retirement happens because of actions YOU take, not what someone else promises to give you.
Nanci Hellmich discussed investing for retirement, based on Tony Robbins book “Money: Master the Game; 7 Simple Steps to Financial Freedom,” in an article published Dec. 10, 2014, in USA Today.
Before getting to Robbins’ seven steps, let’s examine your plans for retirement. Do you believe you have to work until you die? Are you saving regularly out of each paycheck? Did you get so financially hammered during the Great Recession that your retirement is doomed? Did you lose your job in the Great Recession, forcing a premature retirement?
Let’s presume you are still working, even if you are working in a job that underpays you – that’s a growing trend these days. Find an amount, it doesn’t have to be much, that you can take out of each paycheck and put away. You have to look at it occasionally to monitor how your investment is doing, but don’t withdraw it until you retire.
If you are forced to retire before you want to, or are financially able to, try not to eat into that fund too quickly. It’s OK to use the dividends, interest etc., for income, but try to hold onto your principal as long as you can.
Robbins’ first two steps, Hellmich’s article says, is to become an investor rather than a consumer and to know what you are invested in. The former is a mindset. When money gets into your hands, you have to first think about paying yourself, before you think about what you will buy. The latter may require some good advice from someone you trust who will look out for your interests before his own.
Robbins third and fourth steps involve taking action. Don’t be afraid to start a retirement fund because you believe you’ll never have enough money in it to retire. If you are young, calculate what you think you’ll need to retire comfortably, and save accordingly. Then, evaluate your asset allocation, which is a big term for knowing how your money is invested. You may take more risk as a young investor, and perhaps change that allocation to more income-producing vehicles later in life, Hellmich quotes Robbins.
Again, the latter may require some help, but you can help yourself by figuring out ways you can save your money.
The last three Robbins tips again involve your thought process. You have to create a lifetime income plan, and believe you can be among the wealthy. Once you get there, enjoy the sacrifices you have made. “Start where you are, and you’ll begin to find out that there’s more than enough wealth for you,” Hellmich quotes Robbins.
If you are still a child, develop that savings and investment mindset early. If you have change in your pocket at the end of the day, put it in a jar. When the jar is full, take the coins to your local bank and put them in your own savings account. Don’t touch the money until at least when you go to college, or go to work after high school.
As an adult, you will already have the right mindset, and can get more sophisticated about saving and investing for retirement.
Lastly, you may be older, approaching retirement, fearful you don’t have enough money. There are many ways out there to solve this problem. For one of the best, visit www.bign.com/pbilodeau. Check it out with friends in the same situation.
Then, all of you can watch your retirement accounts blossom.

Peter