What Is Adzooma & How Does it Work?

Adzooma is a digital marketing platform that helps you gain a competitive advantage. Spend up to 90% less time managing campaigns and improve return on ad spend. But how does it work? – Our platform analyses your advertising accounts 24/7 – It clearly highlights opportunities to improve – You choose which ones to apply 85% of them can be applied with a single click. Want to save even more time? Of course you do! You can set up automation rules and let the platform do the heavy lifting. Connect multiple accounts with Google Ads and Facebook Ads and manage all of them from one screen. You can add multiple users as well so your whole team can join in. Before you used to spend hours analysing data, looking for improvements, and making manual changes. Now it takes seconds giving you time to focus on your strategy to win more customers. Optimise. Automate. Win. Sign up today! https://www.adzooma.com



Yep, you guessed it. I made it to TikTok. In our 15 Day Challenge we show you lots of ways to create, build and expand your brand. Follow me. Join my team and travel this journey with you me. Click to connect

I want to show you how to Start a real business https://vm.tiktok.com/ZMJVY8qQU/

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Why Affiliate Marketing doesn’t work.

Owning an online business is really no different than owning any other business. Without customers it is impossible to generate a cash flow. Think about it, a Physician without patients will not be able to buy the car they desire and live in the the house of their dreams

Owning an online business is no different. Without customers the business will fail. I have also watched this happen with freinds and family who signed up with the latest MLM craze. Without a marketing plan that will attract the potential buyer, the business will struggle to gain traction and grow. Honestly, if you are shy or scared to talk with people there is a good chance that you are in for an uphill battle to gain customers. ANd, without customers, the businees is doomed. This is why ONLINE Businesses fail.

GUESS WHAT, This doesn’t mean that you should not look into the Affilate Marketing business. The freedom alone makes this field higly desirable. AND, with a little knowledge at the beginning your chances of SUCCESS grow dramatically.

I want to invite you to investigate this business for yourself. Even if this business is not for you, the time and investment will provide you with valuable information.

For Anyone Who Wants To Start A Profitable Online Business But Doesn’t Know Where To Begin

Online Marketing Tools for you

Discover How To Become A Middle Man 

$175 a day for liking Facebook posts

If you know how to Tweet, like a post on Facebook, or upload a video to YouTube (it’s simple and we’ll provide you with step-by-step instructions) then today’s available job could be the simplest money you ever make.

Job title: Get paid to help businesses post content to their social media accounts like Facebook, Twitter, YouTube, and Instagram.

Job description: We’re looking for ordinary folk from United States to help online companies promote their businesses through social media using your phone or tablet (both Android and IOS). You don’t need to know anything about social media advertising, as you’ll simply be posting premade content from these companies’ social media accounts.

Pay: $35 an hour ($175 a day)

Location: Posting to social media accounts is obviously done online, so this is a remote position available to people from United States.

Requirements: You need three things: 1) An internet-connected device such as a laptop, phone or tablet (Android or IOS) 2) Internet access 3) 5 hours available each week to use social media to promote these companies.

Experience necessary: Have you ever Tweeted or made a Facebook post? Then you have all the experience you need to start this job. These businesses are looking to hire regular social media users, not social media advertising executives. Better yet, we offer full training on everything you need to know so you can pocket your first $35 an hour ASAP.

There is high demand for new workers to start on these jobs right away.

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What is this thing called affiliate marketing? Is this something that requires a ton of school and a business degree?

We have a 15daychallenge built just for you. Within 2 weeks you will know how this works and be able to make the choice of staying on your current career path or add a side hustle that has limitless potential.

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Housing, budget deficits and your future

Depending on who is approving your new home purchase or refinance, your housing debt to income ratio can range from a 28% to over 50% of your total income. The thing to remember is that the debt to income ratio is calculated on Before Tax Income. That figure does not take into consideration your Federal or State Income Tax Rate, Your Cost of Insurance or Your Contributions into Your Retirement Plan.

This illustration shows the Debt-to-Income ratio for an average, middle class family.

Basic DTI Calc

As you can see based on these figures this family is well within the range for being approved based on income alone. But lets look deeper into the possibilities this family could be facing after signing the mortgage and loan documents.


If they are in an average tax bracket with average benefits the take home pay for this family could be

 $3240 per month. After the First Mortgage payment is paid they would have $1740 per month. Which means they are spending over 45% of their take home pay in mortgage payments alone.

What if they are like this couple from Florida that wrote the following on Edmunds.com? Thank you! We took delivery of our 2013 Odyssey EX-L, black with truffle leather (no nav. or rear ent.), from Crown Honda in Pinellas Park, Florida, last Saturday. We walked out paying only our first month’s lease payment: $408.88/mo, 36 months, 12,000 miles/year. Total we’ll be paying over entire lease is $14,719.68! Residual value $19,030 (give or take). I think we came out good on this deal! Their $1740 a month is now $1331 and they sill have to purchase insurance and fuel for the vehicle. With gas prices in the $3.50-$4.00 a gallon price range the average full tank of gas costs around $48.00. If that is the price per week this vehicle will add $211.00 a month to the budget.

Not mentioning utilities for the house, groceries, entertainment and emergencies that can pop up as a homeowner, I think you can see that budget deficits can be controlled in our own homes. I keep hearing people talk about the US Debt, the economy and other factors that honestly we personally have no direct control over. What if we start with us?

It seems easy to justify spending $50 for an evening meal when we don’t feel like cooking. What about the price of a night out? What about that insurance deductible due after a minor fender bender?

Thoughts? I’d love to hear them.

Compared to what?

Just because things are called the same doesn’t mean they are the same.  It depends on the rules or the game as to whether they are the same.

Look at the following scenario with a little more information. The game of golf keeps score a lot differently than the game of basketball. Though in both sports, a final score of 70 can be considered a good thing. It may not be enough win in the game.  The score is equal in both games. However the accounting and scoring of the points is dramatically different.

The same is true with the ROTH IRA. Yes, the ROTH IRA is a retirement strategy. But there are a variety of plans that fall under the heading of ROTH IRA. The structure and rules for scoring can separate greatly and still be considered a ROTH IRA under the IRS Guidelines. In the same way that golf and basketball are both sports, the similarities between the 2 sports is evident once we start to understand all the rules and nuances of the games.

Don’t assume that your ROTH IRA will give you an adequate return until you understand the rule of the plan and compare them with others available. What happens when the stock market goes sideways? Will a 10% gain continue to sustain and grow your money? Maybe.  But what if the market changes negatively?  What if if goes up 10% this year, Down 10% next year and follows that pattern over a 10 yr period. If the loss can never be more than 0% on your ROTH IRA plan, you will be money ahead.

Thank you for reading and sharing.

Net Disposable Income and Residual Income. What’s the difference?

Investopedia defines Disposable Income as:

The amount of money that households have available for spending and saving after income taxes have been accounted for. Disposable personal income is often monitored as one of the many key economic indicators used to gauge the overall state of the economy.
So your disposable income is the amount of money you have on your paycheck. I have a question for you. Does your take home pay (disposable income) cover everything you need to pay for? Things like food, housing, entertainment, clothing? Do you need more money?

How much money are you generating that can be added to your disposable income? How much money are you making with your residual income?

What? Residual income? What is residual income?

Well, Residual income (also called passive, or recurring income) is income that continues to be generated after the initial effort has been expended. Compare this to what most people focus on earning: linear income, which is “one-shot” compensation or payment in the form of a fee, wage, commission or salary.

In his article titled What is Residual Income and Why Do You Want it? Craig Dewe says that Residual income comes from building an asset that continues to pay you after the work has been done. What about building your own fortune?

As Jim Rohn was famous for saying:

“I’m working full-time on my job and part time on my fortune. But it won’t be long before I’m working full-time on my fortune. Can you imagine what my life will look like?

Thank you,



What to consider for your 401k

It is always a good thing to save money for the future. You will never be able to predict exactly when you will need to use it and I can tell you it is never a good thing to need money and not have  any set back when a need arises.

Here are a few things to keep in mind when saving for the future.

* Tax Deferred Accounts (401k, Fixed Annuity) should not be the first place to save for the future.

* Pay yourself first and put that money in a safe but liquid account for easy access.

* Establish a few accounts that offer a range of flexibility of earnings, safety and liquidity.

* Don’t over deposit into the 401k.

* Do take advantage of the maximum deposit your employer places into your 401k.

* Alternative Investments are not bad

* Alternative Investments are not All Good.

* Hire a coach that only has Your Interests in mind. Use your coach as a mediator when looking at new plans. Remember, Agents are Salespeople and Most Advisers are too.

* Understand Completely how your money will be used to cover FEES and Taxes.

To recap, never go alone when it comes to you money and you future and Always employ the time of a person who understands the maze of financial options available, understands your goals completely and works with you to insure that you have the Best plan to acheive your dreams.