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  2. 2. 2 How to Retire in One Year How to Create Your Own Financial Freedom with No Cost, Risk, or Selling, and with Very Little Time, Regardless of your Age, Background, Circumstances, or Education, and Whether You Have a Business or Not. How to make real money in the real world, real fast. No fluff – just real stuff. By Robin J. Elliott $ This book is a manual to guide you to retirement within one year or less, with more residual income than you require to live on comfortably. You can do it full time or part time. Includes Your Personal Retirement Blueprint! “Never take advice from anyone who does not already have what you want” Jim Stovall “Never take advice from anyone more screwed up than you are” John Addison 2 For Free JV podcasts, ebooks and more, visit
  3. 3. 3 “Whatever you vividly imagine, ardently desire, sincerely believe, and enthusiastically act upon, must inevitably come to pass” ~ Paul J. Meyer 3
  4. 4. 4 This Book is Dedicated to My Wonderful Wife, Rika Elliott She is my raison d’etre. She becomes more beautiful and amazing every day. 4 For Free JV podcasts, ebooks and more, visit
  5. 5. 5 “I not only use all the brains I have, but also all that I can borrow” ~ Woodrow Wilson 5
  6. 6. 6 Copyright 2008 by Robin J. Elliott All RIGHTS RESERVED Printed in the United States of America 6 For Free JV podcasts, ebooks and more, visit
  7. 7. 7 Don’t wait until all the traffic lights on the way to your destination are green – just start your journey and the lights will change as you move towards your objective. 7
  8. 8. 8 CONTENTS Introduction 11 The Problem with Money 14 Does This Sound Familiar? 14 Business Owners? 15 Why Money is So Important 16 The Reason for the Problem with Money ~ The Wrong Philosophy 18 The Root of All… 18 The Origins of Your Philosophy 20 Hard to Change? 21 The Solution to the Problem ~ The Correct Philosophy 22 What is the Correct Philosophy? 22 How Change Takes Place 23 Why Change takes Place 24 Creating Change 24 How to Make Money 28 Your Imminent Retirement 28 Why Joint Ventures? 30 Using the Right Roadmap 31 Taking Action 32 What is a Joint Venture? 34 The Joint Venture Mindset and Philosophy 36 Tracking and Agreements 39 The Right Foundation 40 20 Proven, Simple, Practical Systems 42 1. Work with DollarMakers 42 2. Financing 43 3. Pre-Paid Legal 44 4. Success University 45 5. Back End 46 6. Gift Certificates 48 7. Contingency Advertising 50 8 For Free JV podcasts, ebooks and more, visit
  9. 9. 9 8. Become an Agent 52 9. Websites 53 10. Underutilized Assets and Resources 55 11. Unconverted Leads and Working with the Competition 56 12. Piggyback on Centers of Influence 58 13. Share Distribution 60 14. Barter / Trade Companies 61 15. Private Labeling, Industry Specific, and Area and Niche Marketing 62 16. Create Referral Systems 64 17. Excess Inventory 66 18. Perishable Resources 67 19. Pro Travel Network 69 20. ASK 70 Some of My True Life Joint Venture Examples 72 House Cleaning Business 72 Hairdressers 73 Canteen 75 Rhodesia 76 Business Opportunities 77 Ezine Articles 78 Accessing New Markets 79 Your Anchors 81 Your Action Plan 82 You Managing You 82 Your Step By Step Guide 84 Recommended Tools 86 About The Author 87 Contact Information 87 The Dollar Sign 88 Still Procrastinating? 89 Your Personal ONE YEAR Retirement Blueprint 92 Your WHY? 92 9
  10. 10. 10 Your Personal Motto 94 Your Affirmations 95 Your Input 96 Your Team 97 Your Time 100 Your Money 102 Your Income 105 Application in the Real World 166 BONUS Articles: Is Network Marketing the Ultimate JV? 168 How Big Can You Go? 170 Do You Need Cash Fast? 171 YOUR DAILY SUCCESS CHECKLIST 173 Note: This book is your bridge to retirement. It is not a literary wonder. Don’t e mail me and tell me there are spelling or grammatical mistakes, because I don’t care if there are. When you’re crossing the bridge from despair, frustration, depression, worry, and anxiety to the land of plenty, peace of mind, freedom, fun, and creation, you don’t get down on your knees to see how well the bridge has been constructed or call the local municipality or county to complain that the bridge is dirty; you get your backside across the bridge. 10 For Free JV podcasts, ebooks and more, visit
  11. 11. 11 INTRODUCTION This is my ninth book, following The Sales Wizard, The Marketing Wizard, Black Pride, How to Kill Elvis Presley (overcoming conditioning), Muscle, Mind and Motivation (co-authored), How to Start Your Own Business with No Money and No Risk, Joint Adventures, and Life is a Joint Venture. All were self published, all made money, and this book is better than any of them. Why? I have learned a lot since writing the others. I decided to follow the Buddha’s Four Noble Truths format in this book: 1. There is suffering. 2. The reason for suffering. 3. There is a way to avoid suffering. 4. How to avoid it (The Noble Eightfold Path). Simple. I like simple. There is a problem with money. There is a reason for that problem. There is a solution, and here it is. You don’t have time to wade through lots of meaningless padding – you want the meat. You want to make as much money as possible, as soon as possible, with the least waste of time, and no cost or risk, and enjoy the process. And I want you to get results. So that’s how I have presented this material: Practical, Proven, and Powerful. My purpose for writing this book is my agreement with Zig Ziglar’s “You can get anything you want, if you’re prepared to help enough other people to get what they want” - the more people I can help to attain financial freedom, as I have, the happier I will be. I expect a lot of people to read this book (Joint Adventures has already reached over 14,000 people at the time of writing this one) so I have made sure to cover all the bases. Ideally, you want to do no work and make lots of money. You want to build little Money Machines or “DollarMakers” that will just sit there and pump out the dollars while you sleep. And of course you would like those amounts to continually increase, wouldn’t you? Sounds too good to be true, but it is - those DollarMakers are actually available. Want one? I have a few available for you that I personally use! In fact, I teach people around the world to do this and to create their own DollarMakers. The ideal DollarMaker works on the principle of LEVERAGE. You put in a little time, work, and money, and the machine duplicates it and multiplies it through other people, who also get some money. In the beginning, you put in some effort and investment (no or very low investment) to get the machine going, but it gradually gets stronger and stronger, growing and building on itself, producing more and more dollars, with less and less effort from you. That is a real DollarMaker. It’s a win/win. I will give you some examples of real life, tried and tested DollarMakers that I have and you can own, too. What qualifies me to write this book? I practice what I preach. I have retired twice. I have the track record to prove this stuff works. I have trained thousands of people over twenty years in Africa, Canada, the United States, and the United Kingdom. I can prove it works, and I have many people who 11
  12. 12. 12 will attest to the success of these systems. When I say you can retire in one year, I can point out someone who did it in a mere seven months. Most of all, I tell it like it is. I am not politically correct, intimidated by anyone, or on anyone’s payroll. I don’t need to impress anyone and I have money. What I DO want is for you to get magnificent, life-changing results. I have not compromised my message to you in any way. I have no ulterior motives. Everything I teach is what I have done or am currently doing, so this is not theory. Ayn Rand said, “There are two sides to every issue: one side is right and the other side is wrong, but the middle is always evil.” No fluff here. What I DON’T want you to do is leap excitedly to the “How to Make Money” section, because without the information before that, it won’t work for you. You need the foundation, regardless of how successful, intelligent, and advanced you might consider yourself. Which brings me to the story about a character I met at the end of one of the Joint Venture Broker Bootcamps that I presented. He was a slick type, loud voice, legend in his own lunchtime sort. He suggested that since I was so busy traveling all over the world teaching people to do Joint Ventures, he would run some of the Bootcamps for me. I had my standard response ready (as you can imagine, this was not the first time I have been made this generous offer): “If you can show me the last fifty Joint Ventures you created, and how much money you made, and if you can prove to me that you have retired using these systems, I will take a year to get to know you intimately and then perhaps consider allowing you to run a Bootcamp. And I will get to know you by doing business with you. You have to earn the right to teach people. You can’t teach something that you haven’t personally accomplished. That’s what 90% of seminar leaders do, but I don’t, and I won’t allow you to do it to my people.” As you can see, I’m a shy, type, and easily intimidated. Most of the people that I have met that run seminars are conmen of the highest degree. When my incredible wife, Rika, and I started in business 20 years ago, I was 34 and had never been in business before. The man who presented the seminar we attended told me in essence that he was a self-made millionaire and I wasn’t, and that if I did exactly what he told me to do, I would also become a millionaire. I was driven. I had a special PhD: Poor, Hungry, and Desperate. I wanted that MBA: Massive Bank Account, so I did whatever he told me to do and became a millionaire in ten years. I didn’t second-guess, question, argue, change to recipe, or make excuses. I was prepared to do whatever it took. I am using his model and adding twenty years of experience to this book. Now you may be thinking that you’re already successful in your own business, and wondering what I can teach you. I can show you how to double your profits in a few months if you’re open-minded, flexible, and eager. If you don’t have a business and you’re fresh out of prison with the usual tattoos, and living in a cardboard box, this book will work for you, too, if 12 For Free JV podcasts, ebooks and more, visit
  13. 13. 13 you apply what I teach. I don’t care what your currently situation is. I will show you how to remove all excuses for business failure from your life. How much money can you make, and how soon? I know you’re asking that question. Answer: It depends on you, your conditioning, your level of motivation and work ethic, and most of all your attitude. You age, background, and education are of no importance to me. I’m not impressed. Never send me a resume – I will burn it. I’ve met enough has-beens, wanna- be’s and educated idiots to last me a lifetime. I am only interested in your FUTURE. So let me share my personal life motto with you that I got from Paul J. Meyer when I started in business: “Whatever you vividly image, ardently desire, sincerely believe, and enthusiastically act upon, must inevitably come to pass.” Now enough talk - talk is cheap, but money buys the Lagavulin. Let’s get going so that we can start making you lots more money and freedom. 13
  14. 14. 14 THE PROBLEM WITH MONEY “When it is a question of money, everybody is of the same religion” ~ Voltaire Does This Sound Familiar? I seem to have less and less time and money available. I have lots of time, but no money to enjoy it! I have lots of money, but not enough time to enjoy it. I work harder and earn less. I’m worried about my old age. My debts and expenses are mounting and I see no way out. My money and debt/cash flow problems are affecting my moods, my sleep, my relationships, and my health. I’m grumpy, depressed, worried and anxious. I’m too old to get a job, and I have tried numerous “Home Business” schemes, but none have worked and I have frankly given up. But I still have the money worries! I must do SOMETHING. I don’t have the time or the money to start a business, yet I see no other way out – a double bind. The less money I have, the worse my self-esteem, so the less I sell. I don’t even like selling! My boss won’t give me an increase and I can’t come out on my salary. I’m not a salesperson, and I have heard that you have to sell to make money and be in business. I’m scared – there is no light at the end of the tunnel, no hope. I am frequently embarrassed by my sad financial situation. Nothing I try seems to work. I feel bad that I can’t adequately support my family on my income, even though I work hard. I can’t get a job that will cover my expenses. I feel guilty to ask people for money, even though my products / services are worth the price. The government should be helping me! I can’t go on recycling my kids’ clothes, cutting expenses, eating less, spending less – there’s no more to cut! I’m desperate. I have heard you have to spend money to make money, but I have nothing to spend. 14 For Free JV podcasts, ebooks and more, visit
  15. 15. 15 These are all common complaints, and quite understandable. I grew up in a poor family and I know where you’re coming from. I have also been an entrepreneur for twenty years, so I know that these are some of the things business owners are saying: Business Owners? Many people who call themselves “Business Owners” are really broke, self-employed salespeople, not business owners. Regardless, business owners tell me: I can’t keep up with the cash flow. I make a lot of money in my business, but my expenses exceed the income. I make good money in my business, but my business owns me, and I can’t get away – I have no time to enjoy the money I make. My competition is price-cutting and killing my profits. Profits are shrinking as expenses increase. I can’t find good, honest people who will stay with me. I have no financial cushion for emergencies. I work hard just to cover expenses and have nothing over to take home. I can’t sell my business and I can’t afford to close it. Advertising doesn’t work like it used to. Imports/outsourcing immigration are killing my business. I can’t cope with the unexpected expenses. I have problems collecting payments form my customers and my vendors are squeezing me. My overheads are continually increasing, along with competition and expenses. My employees work less and demand more, and I can’t get rid of them. It all depends on me – if I go on leave or even leave the office, I lose money, and sales go down. I do more and more myself to keep costs down – I am tired and worried. I am vulnerable to government laws, construction, the weather, unions, all beyond my control. My business is seasonal – feast or famine / chicken or feathers – peaks and valleys. I work myself to death in the good times and starve in the quiet times. I’m getting old and I have nobody to take over the business. Does any of this sound familiar to you? I want you to understand that I understand. I have worked with thousands of business owners in many different industries, so I do know what challenges you face, and I have solutions for you. 15
  16. 16. 16 Why Money is So Important In our day and age, money is very important, and the only people who don’t think so don’t have any and are trying to justify their problem. When you have money shortages, everything goes downhill: your self-respect, confidence, peace of mind, freedom, control, options and relationships. And when you have enough money, everything radically and quickly improves. Money is important. People commit suicide because of money. They miss huge opportunities, and they miss out on what life has to offer. I have been in dire situations when cash flow was bad – I very nearly went bankrupt once, so I know the feeling. I know very well what it feels like to lie awake worrying about money all night. I grew up in a loving home where money was always in short supply. I also know how great the good life is. Rika and I love traveling. Just in the past two years, we have been in Los Angeles, New York, England, Halifax, Calgary, Edmonton, Hawaii, the Bahamas, Toronto, the Caribbean, Mexico, and more. We bought an additional home and chose whatever we wanted to furnish it. We like freedom of choice. Money buys you dignity, time, freedom, peace of mind, adventure, personal growth, options, and fun. And you can help those who cannot help themselves, which we also do. Note: I’m not talking about helping people who WILL NOT help themselves. I prefer to be cruising the oceans with fifty-five Members of the DollarMakers Club to robbing Peter to pay Paul, paying my Visa with my MasterCard, and bouncing checks. (Actually, I have never bounced a check in my life.) And I must tell you that everything that I have, I created myself. No silver spoon or inheritance for me. Rika and I don’t like risk and we don’t gamble. We live a frugal, relatively simple life. I have one car and it’s ten years old. I run my business with no overhead or expenses except for my telephone and Internet connection. None. We have over a hundred websites, hundreds of Members around the world, traveling around the world, no costs, no expenses, no risk. Everything I earn is 100% profit. I have twenty diverse income sources at any given time. My hobby is training people like you, my dear Reader, so we spend a lot of time training and traveling, but I really only need about an hour a day to tend to our passive/residual income, all of it from various Joint Ventures. I can work from anywhere in the world – all I need is a computer with an Internet connection and a telephone. We love the lifestyle we have created and we want to share it with you. We only do things we like doing and believe in, and we only work with people we like and trust. If our Members are dishonest, I fire them. We’re happy because we created and now live a life congruent with our philosophy and our values. This book is about showing you how to do the same, regardless of where you stand right now. 16 For Free JV podcasts, ebooks and more, visit
  17. 17. 17 NOTE: You’re going to ask if this book is about Network Marketing (MLM). Some of the opportunities in this book will include Network Marketing, but most will not. The principle will apply to any business, including Network Marketing. If you are in Network Marketing already, this book will boost your business through the roof. ALSO NOTE: This book is about making money. That means Net Profit. It’s not about sales, customers, products or services, or any particular type of business – it’s about using business to make money. Whether you have a business or not, believe me, this book will make you more Net Profit. “It’s easy ‘nough to titter w’en de stew is smokin’ hot, but hit’s mighty ha’d to giggle w’en dey’s nuffin’ in de pot.” – Paul Laurence Dunbar. ANOTHER NOTE: This book is a manual to help you to retire within one year with more residual income than you require to live on comfortably. You can do it full time or part time. What was your response to those words? That depends on your philosophy. If you started off with “But…” or “That sounds too good to be true”, keep on working on that positive abundant philosophy. As we go along, you will understand that this is indeed possible for you to accomplish, as long as you follow the recipe. You can go down to the beach with a tea cup and a teaspoon to gather some sand, or you can take a bucket and spade, or a fifty gallon drum, or a truck, or a train. The sand represents money. There is no shortage. You might think, “It’s fine for other people to do that, but I can’t.” You can. See, You don’t need to persuade people or sell people or even meet with people to accomplish what I am about to teach you. You will make money by helping people and solving simple problems, and money doesn’t care or know who you are or what you do or did. Money is like lightning- you’re simply a conductor, and anyone or anything could conduct that lightning – a spade, a pole, a baby, water, or you. You’re simply a facilitator, a broker, a middleman. More about that later – I just want to put your mind at ease right here. “Formal education will make you a living; self education will make you a fortune” Jim Rohn 17
  18. 18. 18 The Reason for the Problem with Money ~ The Wrong Philosophy The Root of All… “So you think that money is the root of all evil. Have you ever asked what is the root of all money?” ~ Ayn Rand You don’t have money problems; you have thinking problems. It’s all about how we think about money. Your philosophy of life is the way you understand how things work, the beliefs you have about life and yourself, your values and purpose. Your philosophy drives and guides the way you interpret your circumstances and opportunities, and therefore the choices you make and the results you accomplish. What you create in your life is a direct result of your philosophy. The root cause of your successes and failures, happiness and unhappiness, frustration and fulfillment, is your philosophy. It determines what you believe, and human beings constantly seek evidence to prove their dominating beliefs / philosophy. With this understanding, in order to improve your life, you have to improve or change your philosophy first. This is the foundation of your future and cannot be neglected. It is the root cause of your success or failure. Here’s a simple example. Two people attended one of my Joint Venture Broker Bootcamps. One person retired within seven months, using the information he got at the Bootcamp. Another has attended at least twenty Bootcamps, and never achieved anything. Why? The seeds from the Bootcamp landed in the fertile ground (mind) of the first person’s philosophy and grew like crazy, blossomed and brought forth fruit. The same seeds landed on the rocky ground of the second person’s philosophy and died every time. Same seeds, different philosophies. A socialist seldom succeeds in a capitalist business. That’s why someone with a good philosophy will turn a bad situation, a rocky relationship, or a failing business, into a success, whereas someone with a disempowering philosophy will turn a great opportunity, a successful business, or a grand relationship into failure. It’s all about your philosophy. Ayn Rand said, “Chance, the witchdoctors teach, absolves responsibility”. I quote her, therefore it is reasonable to correctly assume that I follow her philosophy. People who have the philosophy that they are controlled by their circumstances or other forces beyond their control will make very different choices from people who believe they create their own world. They will accept and reject different information and opportunities. So you have to ask yourself this very important question: “Looking at my life, what I have accomplished so far, and the way I see the future and my options, is my 18 For Free JV podcasts, ebooks and more, visit
  19. 19. 19 philosophy helping me or hurting me?” Do you want to keep your philosophy or trade it in for a new one? Life offers us a smorgasbord, a buffet, of philosophies to choose from. Are you happy with the one you picked? Your religion is your philosophy. Is it working for you? Are you happy, optimistic, and excited about the future? When I was younger, I could drink lots of coffee. That was a good philosophy for then. Now I drink more tea - representing a new philosophy. If the sausage is giving you heartburn, Hilda, isn’t it time to change what you eat? A TV host interviewed two brothers. One was highly successful in every area of his life - a happy family, financial success, well liked, contributed to his community, happy. They other was a drug addict, bum, in and out of prison, bad relationships, bitter. The interviewer asked the loser, “Why are you so unsuccessful?” He answered, “My dad beat us and was always out of work and drunk, and my mother was a prostitute who smoked weed. That’s why I am a failure.” The interviewer then asked the other brother what he attributed his success to. He answered, “My dad beat us and was always out of work and drunk, and my mother was a prostitute who smoked weed. That’s why I am a success.” Same opportunities, different philosophies. It’s never too late to change your philosophy. In the news the other day, I learned that Tony Blair has just become a Roman Catholic. He has changed his philosophy. You don’t need permission to change. You can have anything you like from life’s bountiful buffet of beliefs. Some will hurt you and some will help you. Some will restrict and imprison you, others will free you and enrich you. It’s your choice. It’s not about what happens to you or the seminars you attend or the opportunities or challenges in your life - it’s all about your philosophy, because that will determine your reaction and choices. If you want your life to change, you have to change your philosophy. Find someone whom you trust and love, admire and respect, and whose success you wish you emulate, and follow their philosophy. Read their books, befriend their friends, model their lives, and learn, love, and live their philosophy. Tomorrow is the first day of the rest of your life. This is an invitation to unprecedented success for you. With the right philosophy, you can achieve anything. Here’s the philosophy that will keep people poor, pathetic, and pleading: It’s the socialist / collectivist / mystic philosophy of the leech, the parasite, the victim. It’s the philosophy that says, “There’s not enough to go around. It’s a shrinking pie. It’s not my fault or responsibility. The world / government / my Mommy owes me a living. I am entitled to be looked after. I am a victim of my circumstances. I can’t help it. I don’t have the time or the money. I can’t do it. I tried. It’s too hard. Everybody takes advantage of me.” This is the undisciplined, lazy, passive-aggressive loser that we find all over. 19
  20. 20. 20 The wrong philosophy is all about lowering your standards, mediocrity and compromise. It’s a guilt-ridden belief system that says, “I don’t deserve to succeed”, or an attitude that says, “The rich should share their money with me.” These people will talk the talk, but they cannot walk the walk. As Milton and Rose Friedman say in their wonderful book, “Free to Choose”, “They know the words, but they have not learned the tune.” They’re all hat and no cattle. They basically believe that money is evil, but they want your money and they don’t want to earn it. Ayn Rand again: “Run for your life from any man who tells you that money is evil. That sentence is the leper’s bell of the approaching looter.” Enough about the wrong philosophy- let’s move on to the right one! Meanwhile, let’s talk about… The Origins of Your Philosophy: We get conditioned to accept certain philosophies in life through our parents who foist their philosophies on us, good or bad, our teachers and preachers and priests and rabbis, our schools and colleges and universities and clubs. We gather information from the people that we associate with, the books we read and the movies we watch, and based on this information we form beliefs and a value system. Our philosophy develops and we continually seek information to support and strengthen beliefs already in place. This explains why, when offered proven systems that will dramatically reduce their risk and overhead, while at the same time boosting their profits exponentially, many entrepreneurs reject the offer outright. Why would someone who is offered a guaranteed method to achieve financial retirement in one year, when they have categorically stated that they want it more than anything else, refuse to entertain the offer? Cognitive Dissonance is psychological discomfort caused by inconsistencies between a person’s attitudes, beliefs, and/or actions. We all naturally avoid discomfort, so we seek out and select information and input that mirrors and supports our dominant beliefs. Someone who believes that you have to work hard for many years in order to retire, and who has been conditioned to accept this, finds it hard to understand the freedom available through Joint Ventures. Aronson’s Principle of Effort tells us that the more effort we have invested in a behavior, the more dissonance. Someone who has studied for many years to get a job and invested years in that job or business, finds it hard to admit that they can make ten times more money without the need of any formal education. The rut can be hard to climb out of. “I’ve spent five years in financial planning and I cannot accept that it was all a waste.” “I have spent thousands to learn from my cult - how can I accept that it was a waste of money and five years of my life?” Their role contamination has kicked in. “Don’t take my crutch away! Don’t steal my 20 For Free JV podcasts, ebooks and more, visit
  21. 21. 21 security blanket!” We develop scatomas, or blind spots, to protect our frail egos. We will do more to avoid pain than to gain a benefit. We justify our mistakes in order to avoid embarrassment. Emotions and conditioning are not rational. The ego is seldom flexible. The words that escape the mouths of those suffering from Cognitive Dissonance are frequently, “It’s too good to be true - it’s a scam - it’s heresy…” So we break the mirror, shoot the messenger, and willingly, even eagerly, return to slavery, suffering, and a life of quiet desperation, frustration, and passive aggression. This explains a violent attack on a pregnant, anti-abortion demonstrator. It tells us why people reject lucrative, life-changing offers, and remain in mind-numbing mystical cults or abusive relationships. Cognitive Dissonance prevents women from escaping abusive husbands, parents from chastising their hooligan children, and employees from firing their demanding bosses. It keeps people locked into torturous financial, mental and emotional prisons. Yet is it not necessary. Confront your fear, and you will overcome it. Create a support group of successful, open-minded, free people, and escape your comfort zone one step at a time. If our lives are to change, our philosophy has to change. Is it Hard to Change? Can you change? Are you too old a dog to learn new tricks? Using the right tools in the right way, with the right guidance and support, we can change our philosophies if we are sufficiently motivated to do so. If you really want to change your life, and thus your philosophy, we have the tools right here in this book. You can do it, and you will be amazed at the exciting results you will find blossoming in your life. There are no limitations to the mind except those we acknowledge. Both poverty and riches are the offspring of thought $$$$$$$$$$$$$$$ Success requires no explanations. Failure permits no alibis. ~ Napoleon Hill “Think and Grow Rich” 21
  22. 22. 22 The Solution to the Problem ~ The Correct Philosophy What is the Correct Philosophy? After twenty years of seeing people succeed and fail in business, I feel I understand what the optimal philosophy is to support a successful lifestyle. We speak easily about Capitalism, but few really understand it. The best philosophy I have found is Ayn Rand’s Objectivism. It is based on reason, optimism, freedom, responsibility, and the creation of value. It basically tells us that we need to take personal responsibility for our own success, not expect others to do it for us, and to demand payment in proportion to our production of value. You can learn more about it at, however for the purposes of this book I will keep it simple and direct. Your life and your business is like a sailing ship, a yacht. When the wind changes, you are required to adjust your sails, not to berate the wind or expect others to do it for you. You have to sail your own boat, not ride on someone else’s boat. You are responsible for the circumstances in your life, good or bad. It’s your fault. Jim Rohn shares a similar philosophy when it comes to talking personal responsibility. See The correct philosophy is “If it’s to be, it’s up to me.” It’s about commitment, accountability, and freedom. No excuses. As Yoda said, “There is no try; there is only do or do not do.” People who succeed and make their dreams come true are serious about success. Successful people take 100% responsibility and they make commitments. They will do whatever it takes to deliver. They dream big and they make no excuses for their dreams and goals. The right philosophy believes in abundance, not scarcity. Theodore Roosevelt told us, “Far better is it to dare mighty things, to win glorious triumphs, even though checkered by failure, than to rank with those poor spirits who neither enjoy much nor suffer much, because they live in the gray twilight that knows neither victory nor defeat.” Winners are reliable, predictable, and confident. Muhammad Ali said, “A rooster crows only when it sees the light. Put him in the dark and he’ll never crow. I have seen the light and I’m crowing.” That is solid gold confidence. Those are the words of a winner. Muhammad Ali also said, “The fight is won or lost far away from witnesses - behind the lines, in the gym, out there on the road, long before I dance under those lights.” That is a winning philosophy. Here are some books that espouse the correct philosophy: Think and Grow Rich by Napoleon Hill Atlas Shrugged and The Fountainhead by Ayn Rand Free to Choose by Milton and Rose Friedman 22 For Free JV podcasts, ebooks and more, visit
  23. 23. 23 How Change Takes Place To change your philosophy, you need to change your input – what you listen to, what you read, whom you spend time with, (your netWORK determines your netWORTH) what you watch on TV, what movies you watch, where you go. You need to immerse yourself in the right philosophy, and the new evidence will start to shift you to a new belief system. It’s hard to be a pessimist when you spend all your time with optimists. It’s hard to feel dejected, fearful, and depressed when you’re reading books by Robert Kiosaki. Understanding the way our minds work will assist the change. Read “Influence, the Power of Persuasion” by Robert B. Chialdini, and “The True Believer” by Eric Hoffer. Successful people read Napoleon Hill -“Think and Grow Rich” while losers take a pill, drink and bitch. A simplistic way to look at change is to imagine your mind is like a large tub of dirty water, representing a disempowering philosophy. If I was to continue to pour clear, fresh water into that tub, representing the right philosophy, it would eventually replace the dirty water. How long will that take? A few cups of clean water per day, mixed with a few cups of dirty water, won’t do it. Throwing many big buckets of clean water a day into that tub will effect a change much faster. If you align your speech with the right philosophy, you will enhance the effect, too. What would happen if you used these powerful affirmations every day? What kind of success do you think you might achieve if these were the words you started and ended your day with, and repeated aloud, with belief, confidence, and enthusiasm, while walking, shaving, washing the dishes, showering, and skiing? “I am strong, confident, and bulletproof. I am happy, healthy, and successful.” I am unstoppable, I am excited, I am a heat-seeking missile.” “Every day, in every way, I am getting stronger and stronger, richer and richer, happier and happier.” “I am doggedly determined, focused, and enthusiastic.” “I achieve a minimum yearly cumulative residual income from …. sources of $…. by November 30th.” “I take personal responsibility for my success, freedom, and happiness.” Think about the concept of brainwashing, and apply it positively to your own life. The difference is, you will be washing out the negative programming! If you joined a cult, they would cut you off from people you know. They would fill your head with their dogma every waking hour. They would demand discipline and strict adherence to their program. It works. You can make it work for you. 23
  24. 24. 24 Why Change takes Place Change will take place in your life because you want it very badly and insist upon it. When you’re sick and tired of being sick and tired, when you’ve had enough of money problems and not enough time, and you’re prepared to do whatever it takes, only then will you consent to change and remain consistently on track. Two people join a Network Marketing company. One is absolutely committed to making it a success. The pain threshold in his life has been exceeded. He is prepared to outwork anyone, any time. He and his wife follow the system to a T, show up at every meeting, and never compromise. Within ten months he has earned $108,000. Eight years later, his residual income alone is over six figures. I know the man personally, by the way. During that eight years, how many people do you think joined the same company and quit? THOUSANDS. And guess what? They all blame the opportunity and the company. They all make excuses. Change takes place when your WHY? is big enough. The HOW? Is easy. When I joined this same company, I asked this man to help me, guide me, and mentor me. I follow his instructions, model his behavior, and duplicate the system in my life. And my team does the same thing. Change depends on YOU, on YOUR level of motivation, on YOUR commitment. A fellow drove four hours and paid me $1,000 to attend my Joint Venture Broker Bootcamp a while back in Vancouver. He took the information and approached a businessman we both know with a proposal to earn him ten thousand dollars a month. Today, it’s $30,000 per month. His life changed because he made it change. What about the other delegates at that same Bootcamp? A little change here and there, but not as much., Why? David’s level of motivation – that’s all. Creating Change To create the change in your philosophy that will be the strong foundation for your financial success and the rocket fuel that will propel you to your dreams, you have to first sit down and write out your goals, and decide WHY you want to change and succeed. Yale University conducted a survey of their graduate students in 1953. Only 3% of them had written and specific goals for their lives. 20 years later in 1973, they surveyed the same people. The assets and wealth accumulated by the 3% that had written and specific goals was more than the other 97% combined. Rika and I set goals all the time. It works. Someone once said, “Successful people do what they said they would do long after the mood they said it in has left them.” Clarity is Power - the clearer your goals and objectives, the easier it is for your subconscious mind to guide you to success. Precise, exact, measurable, time related goals are essential. 24 For Free JV podcasts, ebooks and more, visit
  25. 25. 25 Your subconscious mind works like a guided missile; when you have specific goals, it finds ways for you to reach those goals, using your Reticular Activating System. That is the wonderful mechanism in your head that points out all the other cars like the new one you just bought. Try it right now. Look around the room or place you’re in. Now look again, looking for the color yellow. Notice all the yellow items you didn’t notice before? Now try red. That’s how it works – your subconscious mind continually looking for ways for you to reach your goals! Manage your words. Turn your “Shoulds” into “Musts” and “Wills” - commit to doing what it takes. 80% of the things you do will be done in the last 20% of the time allotted, just before that deadline. That’s why it is so important to set specific time goals. The only thing keeping you from what you want is the story you tell yourself about why you can’t have it. That is why it is so important to change your philosophy. Review your goals every day and attend ALL your business meetings - they are the gyroscope that keeps you on track towards your goals, your automatic pilot, your homing system. All truly successful people are consistent, persistent, and stick to the basics. They practice the fundamentals DAILY. Next, rearrange your life schedule and activities in every area. Only consume positive input. The right books, TV programs, CD’s, DVD’s, music, talk shows, everything. Only mix with winners. Look the part. And only take advice from people who are qualified to give you the right advice. Virgins don’t understand childbirth. Even if they spend ten years in university studying it. Even if they’re midwives. Even if they work in a store that sells baby clothes. Even if they never grew up. If you want to know about childbirth, find a woman who has had a few babies. She knows. And if you want to know about finances and investments and money and how to make it, find someone who has a lot of money and who has made money and knows how to manage it, not someone who inherited it, stole it, or works in a bank. Which brings me to my point. I LOVE learning from experts. I get excited about all the time and money I am saving. But I don’t take advice from idiots. I talked with a fellow to whom I had recommended my favorite business opportunity. His response was that he talked with someone who was involved in the company years back and “wasn’t happy” with the company. Earlier in this book, I mentioned my two friends who are regional Vice Presidents with the same company. They joined eight years ago (in Canada) and made $108,000 in their first ten months. Now their residual income alone is six figures a year. Whose advice would you take? John Addison says, “Never take advice from anyone more screwed up than you are”. Great advice. Don’t ask me about physical fitness, weight loss, cars, computers, fishing, or woodwork - I have no idea how any of that stuff 25
  26. 26. 26 works. I hire experts unless I’m the expert. (I’m good at washing dishes, though - better than the dishwasher. Since I’m obsessive compulsive, that somehow makes sense…) Getting the right advice from the right person saves you time, money, frustration, worry, confusion, and in some cases even your reputation. It gives you peace of mind and confidence. If I gave you advice about weight loss your stomach would look like my paunch! I get desperate calls and emails from people telling me they’re desperate to make money and asking for guidance, but they don’t always follow my advice. When they do, they make money. I always laugh at men who say, “We’re pregnant” - what an insult to his wife! We have no idea, buddy. All we do is feed them silly food, comfort them, and hang around at the back of the room looking silly. We’re not pregnant; we couldn’t handle it. The great part about certain business opportunities that I personally promote is that the company provides a lot of the support, training, environment, and network that I am recommending right here. Check out – an amazing opportunity that I just love – it will change your philosophy and make you money if you follow the system. Join my team, and grow with me. And here’s my other favorite recommendation: – we love it and it’s a big part of our lives. Join us! “I can’t give you the surefire formula for success, but I can give you a formula for failure: try to please everybody all the time.” ~ Herbert Bayard Swope, first recipient of the Pulitzer Prize “By working faithfully eight hours a day, you may eventually get to be a boss and work twelve hours a day” ~ Robert Frost $ 26 For Free JV podcasts, ebooks and more, visit
  27. 27. 27 “Only those who are asleep make no mistakes” ~ Ingvar Kamrad, Founder of IKEA “Come to the edge”, he said. But they were afraid. “Come to the edge”, he said. They came. He pushed them, and they flew. Christopher Hitchins said at a Georgetown debate: “If anyone could come up with an example of a society which had fallen into slavery and bankruptcy and beggary and terror and misery because it had adopted the teaching and precepts of Spinoza, Thomas Paine, Pierre Bayle, and Thomas Jefferson, then I’d be impressed.” 27
  28. 28. 28 How to Make Money Your Imminent Retirement What do I mean by retirement? I mean more residual money coming in to your life from various different sources, than you need to live on, service your debts, and enjoy quality of life. We will do this in the capacity of a Joint Venture Broker, which simply means “middleman” or” introducer” or “facilitator” or “link” – and it takes very little time to set up these income sources or money machines. It doesn’t matter what that monthly amount is that you need. More about that later. Now make a cup of tea, unplug your phone, and read carefully; this little chat could change your future dramatically. If you’re concerned about your retirement, you might have read Lee Eisenberg’s well -known book, “The Number” (the Number refers to the amount of money you need in liquid assets in order to retire), and you believe you need more than $1,000,000. The rising cost of medical care and the increasing cost of living in North America will ensure that many of us will be broke, scared, and sad in our old age. One dreads the thought of being a bagger at SafeWay, flipping burgers with teens, or standing in the rain or snow in winter as a seventy-five-year-old security guard. Even worse, watching impudent youngsters in a diner, impatiently snapping their fingers at your sixty- five-year-old waitress wife as she battles with arthritis and fatigue. While we wear smart clothes paid for by credit cards, walk on financed carpets in our mortgaged house, and drive a leased car, we may feel successful, but the reality is we’re in deep trouble. The government will be unable to help us in our old age. Millions of citizens will return from their home countries in their dotage to take advantage of our health care system, as will the illegal immigrants. And your chances of getting to a million dollars in liquid assets may not be as good as they once were, especially since your divorced, single parent daughter moved back home with her screaming offspring and your 34- year-old loser son still lives in your basement. Increasing debt and vulnerability is a reality for many as they age. As we get older, our energy, memory, and health are not what they used to be. Unexpected ailments arise, along with unforeseen expenses. Things break and need replacing. The missus needs special care. We have to hire people to do things we could once do ourselves, and service people are extremely expensive. We get laid off, fired and “let go” when our employers find that they can pay a younger, eager, and energetic immigrant a fraction of what we earn, and we find that we don’t have the same appeal we once did when going for job interviews. What to do? What real options do we have? We’re understandably more careful and risk-averse than before. 28 For Free JV podcasts, ebooks and more, visit
  29. 29. 29 A bunch of people are seriously considering retiring in faraway places like Ecuador, Panama, Costa Rica, Panama, Argentina, Thailand and the like. The grass is certainly greener over the cesspit. I grew up in a country (South Africa) that is now third world and sinking fast, so I know the difference between first and third world countries. I have already immigrated once, and I don’t like the idea of subjecting my wife to an alien culture again, especially in a “developing” country where you are definitely not as safe as you might be led to believe by the person selling you that dream property. I don’t like this option any more than that of moving to some godforsaken little village and calling it “downsizing”, when in reality all you’re doing is delaying the inevitable while significantly dropping your standard of living and quality of life, when that’s the last thing you should be doing at this time of your life. Here’s the bottom line: This is your option: You can spend less or you can earn more. The latter is a lot more appealing to me and it should be to you, too. Earlier in this book, I asked you to set specific, meaningful, measurable, time-related goals. Decide right now how much you need per month in residual, before-tax income (you will have legal business tax deductions as well, so remember that.) You have to have that amount, and it must be logically worked out. I regularly ask people who earn $5,000 per month how much they need per month in residual income to live comfortably, and they come up with ridiculous amounts like $50,000 per month. Be reasonable to start with, and get a real amount on paper. Know how you arrived at that amount. Discuss it with your family. This amount should include your budget. Remember not to get hung up on debt – we will discuss good and bad debt later. RIGHT NOW, how much per month do you need, before tax, to live comfortably? We need a specific target amount to work with, please, dear Reader. OK. Let’s assume you need $8,000 per month from different sources. Why different sources? So that you spread your risk – you don’t want all your eggs in one proverbial basket. We know that nothing lasts forever, and lots of things that you try will fail. That’s life. We live in the real world. Let’s say you need $8,000 and you have eight different income residual sources, each providing you with an average of $1,000 per month. That’s $8,000 per month = Retirement. Now not all of those income streams or Money Machines is going to start at $1,000 per month – remember, you have a year to achieve this. That’s the goal, right? Right. So one may start off with twenty dollars per month, then grow top $120, then $260, then back down to $59, then up to $300, but by the end of the year it needs to reach a minimum of $1,000. Some may stay at $500, while others will get to $1,500, so they balance out. The good news is that you can have twenty income streams or more. There are no limits. Now before you say, “Where will I find the time?” These 29
  30. 30. 30 income sources take little time to set up and manage and can be done while you keep your job. You can set up a Joint Venture (Income Stream) in a few minutes! That’s correct. Little time, no selling, no risk. Amazing, but true, as you will see as we proceed. Why Joint Ventures? Why do I recommend the solution and the best way to financial freedom to be Joint Ventures? If you want to make money, you should never buy a franchise or business. Why? Simple, actually. Here’s the rule of thumb for buying a franchise: If you want to make $100,000 a year, you have to invest five times that amount = $500,000. And then you have bought yourself a JOB, you have to obey strict rules and you will always have to work hard. It doesn’t get easier. In five years time, you will be working just as hard, still earn the same, and have money but no time. Plus, you have no guarantees, no leverage, and you’re selling your time. You could join Pre-Paid Legal ( right now for $49 to join and $35 per month, and you can make $100,000, but after five years you will be making a lot more than $100,000 per year, and you will have many other people making the money for you, so you work less and less while you make more and more - just like compound interest. Now you have time PLUS money, and you never had to invest half a million dollars. Proven system, NYSE listed company, 35 years old, 14 consecutive years of growth. Smart entrepreneurs do not buy businesses that cost a lot and take their time. Joint Venture Brokers leverage EXISTING resources – little or no money invested, very little time, no limits, no risk. Fast money. And they carefully choose the right Network Marketing companies to optimize their income. You know the statistics - 87% of new business owners will fail in the first five years and in the next five years 87% of the remaining business owners will fail, so you have about a 1.67% chance of success when you buy or start a business or a franchise - the rest lose their investments, along with a lot of time, which is a lot of their LIVES. That’s a death wish! You might as well take your granny’s money and hit Vegas! Wise up. Most so-called “Business Owners” are broke, self-employed salespeople living off their savings, their wives’ incomes, or bank loans and credit cards. Time for a wake-up call. Keep your money in the bank or your Mommy’s purse where it belongs, and let’s make some money. Joint Venture Brokers can be involved in multiple businesses simultaneously, with little or no investment, no risk, and little time. Every resource you need, whether you are in business or not, is readily and easily available through Joint Ventures: 30 For Free JV podcasts, ebooks and more, visit
  31. 31. 31 Time, resources, money, credit, reputation, labor, skills, access, databases, space, advertising… we leverage existing and underutilized resources. Other people’s resources, used to create a win/win scenario. Using the Right Roadmap I am about to share a recipe or roadmap with you how to create these income sources through Joint Ventures, but before I do that, I want to talk with the business owners out there. The reason why the average business owner fights a daily or at least regular battle for cash flow is that he runs his business based on the common dysfunctional myths and illusions about business. Most entrepreneurs are still the slaves of an employee mentality, where they need to prove to someone that they are WORKING. They feel they have to justify their time, and as long as they are working, everything is OK. It’s not. Working for the sake of being busy is why most entrepreneurs never make real money. They reorganize their offices, file papers, create elaborate business plans that should be used only as toilet tissue, and spend hours talking on their cell phones to other broke salespeople who are also masquerading as entrepreneurs. They believe they have to risk a lot and work hard for years to get rich. Rubbish. Real entrepreneurs know that it’s all about profit, not work, appearance, or proving yourself to anyone. Employees want recognition, awards, titles, smart offices, acceptance, and security. Entrepreneurs want money. Many employees play pathetic, political games of manipulation, while entrepreneurs don’t care who likes them or where they work from, as long as they get results. The biggest talkers are usually the smallest producers. Big hat, no cattle. A blackberry, a cell phone, a leased BMW, a smart suit, a big mouth, and no money. Here’s the reality: if you were a real entrepreneur and I showed you how you can make an enormous amount of money brokering Joint Ventures anywhere in the world with no cost, risk, or employees, very little time and no limits, you would LEAP at the opportunity. Many employees don’t get it. They want to work long hours at meaningless tasks like government bureaucrats so that they can feel accepted and important. For them, it’s not about money; it’s about survival. Entrepreneurs want to get rich. So they do. Joint Ventures can be used whether you have a business or not, part time or full time, to give you instant cash flow with no cost or risk. And that cash flow is repeat cash flow - residual income. Add instant back-end income at 100% profit to your existing business in a matter of hours. Establish new income streams in addition to your existing income. Use and leverage existing resources. No selling required. When an employee mind reads this, the 31
  32. 32. 32 response is, “Where’s the catch?” while an entrepreneurial response is, “Show me how, NOW!” So let’s be clear. Preconceived ideas, bias, and conditioning must be swept out of the way. Spare me your brilliance. Follow the roadmap. It’s no good using a roadmap for Los Angles when you’re in New York. I will show you, step – by step, how to create the income you want. Trust me – I have done this thousands of times. “In order to swim, one takes off all one’s clothes - in order to aspire to the truth, one must undress in a far more inward sense, divest oneself of all one’s inward clothes, of thoughts, conceptions, selfishness, etc., before one is sufficiently naked.” - Soren Kierkegaard Taking Action Thousands of people attend courses, seminars, and classes on how to make money in real estate, Forex, and every other concept under the sun. They pay huge amounts of money. Astonishingly, they think the more they pay for something, the better it must be! Not true. People get laid off or retire and then invest tens of thousands in courses, buy overpriced businesses, and NEVER APPLY WHAT THEY LEARN. Or they quit at the first sign of resistance. Successful people don’t quit. They take consistent, goal-directed action. They are flexible but disciplined. The biggest problem I have with people failing is that they simply don’t work. In the beginning of anything, you have to work. Especially when you realize you’re not yet an expert in something – that’s how you learn: by working and making mistakes! I highly recommend an exceptionally good book by Jeff Olson: “The Slight Edge”. This explains how success works. One day a man planted a bamboo seedling. He cared deeply for it, so each day he watered it and tended to it, always making sure it had the proper sunlight to grow. After a year’s time, the man saw that the plant had not grown at all, but he continued to water it, tend to it, and make sure it was nourished by proper sunlight. Again, after the second year the plant had not grown. He watered and tended it through the third year and the fourth. Suddenly, as if by magic, in the fifth it began growing. In fact, it grew two and a half feet a day until in six weeks it was ninety feet tall. The things you start in your life - relationships, businesses, new endeavors, new projects, are all bamboo plants. This illustration is very closely mirrored in Network Marketing, except that if you’re in the right one, you can start making money fast, and when you hit critical mass you can’t believe the growth. Those who make twenty or a hundred thousand dollars a month are not smarter than anyone else - they just kept on when all the others left. 32 For Free JV podcasts, ebooks and more, visit
  33. 33. 33 Calvin Coolidge said, “Press on: nothing in the world can take the place of perseverance. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; un-rewarded genius is almost a proverb. Education will not; the world is full of educated derelicts.” Persistence and determination alone are omnipotent. Winners NEVER quit. With a winner, it’s not about “IF” - it’s about “WHEN”. What will YOUR life look like in five years? Before you take action, you have to DECIDE to take action. Decide what you want. Make the commitment. I heard that the word, “DECIDE” has the same ending as the words “HOMICIDE” and SUICIDE”. That implies that when you decide to do something, you have to kill off other options. Remove the possibility of quitting, defeat, cutting and running, or deserting. When I was in the army, I was taught that deserters got shot. In a certain BC town they wanted to erect a statue to Vietnam deserters. That tells you a lot about the kind of people living there. Winners do not abandon their posts, run away, or give up. There is a consequence to every decision we make. When you decide to do something, you are committing your integrity. Your WORD is your honor and your reputation. There is no turning back when you make a decision and commit yourself. There is no place for excuses or whining or blaming. Take full responsibility for your decisions. Be a warrior. “Victory or Death” means to me that when you quit, your self-respect dies, too. When you realize that most people give up a few yards from the finish line, you understand why only 3% of people are truly successful: they have GUTS: Giving your Utmost To Succeed. A REAL decision is followed by congruent action. People who don’t do what they decide to do or commit to do are liars. People who decide and stick to their decisions find life a lot easier. They like themselves. They attract good people. They have clear consciences, and they achieve amazing results. Decide to accomplish your goals and you will be unstoppable, bulletproof, and very attractive to other winners. And don’t be surprised if losers attack you - it’s a sign of success, because dogs don’t bark at parked cars. Decide to succeed. Do what others won’t do, and you’ll have what others won’t have. Decide to take action, then, like Nike says, “Just DO it” – and keep on doing it until you have retired. 33
  34. 34. 34 What is a Joint Venture? What’s the Difference between Networking and Joint Ventures?” This is a commonly posed question. Here’s a simple illustration. A person shows up at a business networking group to sell her product, which is a “Health Juice”. She approaches people and pushes her business card and brochures at them, uninvited, and immediately asks if they have used her magic juice, which fixes anything from warts to bad marriages and will help you lose weight, make money, and fly to the moon. She talks and talks, blah, blah, blah, about herself and her snake oil (which will soon be replaced by another juice and end up on garage sales and in Wal-Mart.). She is “Networking” - read Selling. Most people who are networking are there to sell one product or service and they’re trying to find buyers. They are not interested in what you want and they will instantly lose interest in you if you don’t haul out your wallet. The conversation will go something like this: “And this juice / widget /elixir / service will make you money, make you happy, blah blah, what do you think?” “Actually, my wife just died and I am in financial straights” “Yes, but this amazing product is the best in the world and I am the smartest person in the world. It’s only $150 per bottle…” “I’m really not interested and I think I’m having a heart attack…” “Take my card. Here, take it! I will call you to set up a meeting to sell it to all your friends and your wife… Oh, there’s Sally. Sally! Sally!” That’s a bit over the top, but you get my drift - sell, sell, sell Here’s a conversation with a Joint Venture Broker: JV BROKER: “So what are you looking for? What are your goals and dreams? How I can help alleviate some pain in your life? What keeps you awake at night?” “What are you selling? What business are you in? What do you do?” “I’m not selling anything. I help people access the resources they need. I’m a Middle Man, a catalyst, a problem solver. What can I do to add value to your life? How can I help you? What do you want?” The JV Broker solves - he or she doesn’t sell. If he or she helps someone solve their problem by linking them up with a resource, the JV Broker makes money. They get paid for results, not promises. 34 For Free JV podcasts, ebooks and more, visit
  35. 35. 35 A Joint Venture is a win /win collaboration between two or more people, sharing resources to solve common problems and achieve goals. No limits, no catch, no selling, no manipulation, no risk. A good JV Broker can add value to the lives of everyone they meet, and as Zig Ziglar said, “You can get anything you want out of life if you’ll help enough other people to get what they want.” The goal of a networker is to make a sale. The goal of a JV Broker is to solve a problem and add value, regardless of the products or services that may be involved. Someone who truly understands the Joint Venture mindset can make a fortune from Networking. The emphasis shifts from what you want and who you are to helping others and getting paid for it. Put your networking on steroids and triple your bottom line profit overnight by acquiring the JV mindset. A Joint Venture Broker gets paid an on-going, regular commission on all the resulting business that results from his initiation or introduction. $ 35
  36. 36. 36 The Joint Venture Mindset and Philosophy Joint Venture Brokers link supply and demand and get paid a percentage of all the resulting business on an on-going basis. They solve problems. Here’s a simple example: John wants to buy a house, and I have an agreement with a realtor who will pay me 20% (or more, or less, depending on our agreement) of her commission when I send her business. So I send John to her, John buys the house and I get paid. What I earn is 100% profit to me. I help John by finding him a reliable, trustworthy, professional realtor. I help the realtor by bringing her business she would not otherwise have had. The realtor understands that 80% of something is worth more than 100% of nothing, so she pays me 20% of her commission. We all win. When next John buys a house from the same realtor, she pays me again. You have to be paid for value you create. You get paid for results. This is called Capitalism. You’re not a social worker or a socialist. . Don’t work for nothing or promises. You should be paid on all future business, as well. All you’re doing is helping other people to get what they want. You will see many examples of Joint Ventures in the coming pages, and as you read, you will understand the mindset required for success. When you have multiple Joint Ventures in place, the one can “feed on” the other, thereby multiplying your income. For example, if someone is already buying from or dealing with one of your JV partners, you can easily invite them to participate in a second and third JV with another partner. You will understand this better as we go along. Also, if you have ten JV;’s in place, each sending you money on a regular basis, and you decide to DOUBLE YOUR INCOME, you only need to increase each one by 10%! That ten times ten = 100% income increase to you, and it’s all profit. You can make more money doing JV’s than from your own business, since everything you earn from JV’s is 100% profit. No other business earns 100% profit – many businesses work on 6% or 15%! Imagine if you had ten solid Joint Venture Partners and each of these people was honest, professional, and understood JV’s. And each provided a good product or services and paid generous, on-going commissions. If you think this is hard to achieve, it is, unless you have access to the right people, which is what you buy when you join the DollarMakers Joint Venture Club. Hundreds of potential JV partners from all over the world – see . Pick ten. I have twenty. OK. So now you have these ten good people. Let’s look at the income potential. Imagine each partner as a letter of the alphabet. You have A, B, C, D, E, F, G, H, I, and J. If you selected your partners carefully, so that they all serve the same kind of demographic and psychographic target, which is what I teach, then the potential is that you could link A to each of the other letters, B 36 For Free JV podcasts, ebooks and more, visit
  37. 37. 37 to each of the other letters, and so forth. In other words, A sells to B’s database, B sells to A’s database, A sells to C’s Database, C sells to A’s database, and you get paid on all transactions on an ongoing basis. The potential from these ten JV partners is now ninety JV’s, all within the same group. I always recommend that my students don’t touch a JV that doesn’t have the potential to make at least $1,000 per month. That’s >$90,000 per month potential. The best part is that this involves little time and work, no risk or cost, and no stress. It’s really very simple; if A sells travel, and B sells computer services, and C sells legal services, it makes sense that they can cross promote and cross sell, and that all these JV’s can run in parallel. Some of these JV’s will not work, for whatever reason. No problem! Nobody loses any money or sleep. The worst that can happen is that you don’t make any money, but you can’t lose any money either! Here’s the thing: if only one out of ten of these JV’s worked and they only made a measly $1,000 per month each, you would still be earning an extra $9,000 per month in residual income, and if you built in good back ends, leverage and duplication, that amount would grow monthly. I’m not a mathematician, and I have enough business experience to be very realistic about my expectations, especially in a world where it’s hard to find honest, committed, professional people who actually work, but I have never seen anything as powerful as the principles of leverage and duplication, which JV’s give us. Through JV’s you have access to every resource you could ever want, and by acquiring and developing this mindset you have unlimited earning potential. And it’s great fun to do business only with people you like, to do it with little time and no cost or risk, and to be as creative as you like, with no fear of failure and 100% profit, no overhead and the world your oyster. Successful Joint Venture Brokers understand the importance of a Hot Button. When you know what someone’s Hot Button it, you can put together the appropriate JV and everyone wins - the person solving the problem, the person whose Hot Button is satisfied, and yourself - you get paid. But first, you have to find out what that Hot Button is, that requires listening and questioning skills. Open-ended questions, like, “What do you mean by that? Tell me more? Yes? And? Why do you say that? What are you looking for? What is the most import/ urgent/ pressing thing in your life? What, why, how, when, who? Your dreams, goals, pain, problems? If a genie jumped out of a lamp and gave you three wishes for your life, what would they be?” The genie question will get three responses: Money, health, and happiness. You have to find out what they mean by health - what has to be in place for them to decide that they are healthy? How much money? Why? What feelings will that money buy? What will make them happy? Why? The more 37
  38. 38. 38 specific the answers, the closer you will get to the Hot Button. When you know what the Hot Button is, you have their undivided attention. Joint Venture Brokers get paid for solving problems. The bigger the problem, the more exciting the goal, the more urgent the solution, the more value you can create, the more money you can make, and the more satisfying the transaction will be for everyone concerned. You’re not looking for a lukewarm button - you want the real thing - the HOT Button. It takes a little patience to find it, but it’s worth it. Often, because of unresolved guilt, feelings that people don’t deserve certain rewards, a socialist bent, negative conditioning, mysticism, and a skewed philosophy, people find it hard to buy themselves what they really want, even if they can easily afford to do so. This is a wonderful opportunity to create massive reciprocal value in their lives. By using existing resources and thinking strategically, JV brokers can themselves become well-paid genies by simply understanding human nature. Remember that pain is a greater motivator than pleasure, and people will do more to avoid pain than to gain pleasure, so be aware of their pain and pleasure issues, timelines, level of motivation, and values. Knowing their personality type, religious and political beliefs will also help you to understand them better. Give them what they want, and you will get what you want. You might like apple pie, but they may be allergic to apples. Don’t try to stuff something down their throats because YOU like it. It’s never about you. Don’t project your likes and dislikes - become a mirror, and let them shine. The reflection will be dazzling. Always remember this: I have traveled to many places in my life – here are some of the cities I have lived in or visited: Hong Kong, Nairobi, Mombassa, many cities in Mozambique, South Africa, Rhodesia, Botswana, Mauritius, and Lesotho, London and Worthing in the UK, many cities across Canada, Miami, New York, Las Vegas, Los Angeles, Orlando, Idaho Falls, Nassau, the Caribbean, the Bahamas, Athens, Madrid, Rome, Amsterdam, Berlin, Venice, and many more that I can’t remember right now. They all have the same thing in common: people who buy and sell and want financial freedom. As a Joint Venture Broker, you have the opportunity to help them get what they want, and in doing so get rich. DollarMakers offers you a huge resource of contacts, connections, and skills across the world, and we’re growing all the time. 38 For Free JV podcasts, ebooks and more, visit
  39. 39. 39 Tracking and Agreements I know you’re going to ask me how to track the Joint Ventures you put in place. This can be done through tracking codes, cash registers, spot checks, reports, audits, having the business flow through you, and numerous other ways. I will refer to tracking in each JV I suggest later in this book, and as a Member of DollarMakers you can always just ask us if you have a question in this regard. Here’s the bottom line: some people are going to rip you off, not pay, or stop paying. It doesn’t matter, since you have not spent money or risked anything. Most people are basically honest, and we encourage you to do your full due diligence on all the JV partners you deal with. Personally, I only do business with Members of the DollarMakers Club. Regarding Agreements, or Memorandums of Understanding between you and your JV partners, you simply want to make sure everyone understands exactly what has been agreed to. I run all my agreements past my Pre-Paid Legal law firm (for $35 per month it’s a no brainer) before signing anything. Do not sign anything, especially Non-Disclosure Documents (NDA’s) without checking them with a lawyer first. Because I am not a lawyer, I can’t give you legal advice – I can only share with you the kind of simple template that I use for my agreements: Agreement between Robin J. Elliott (Elliott Enterprises Inc.) (EE)) and Peter Ross (PR) EE agrees to pay PR a 20% commission plus GST (TAX) on the retail price of all, on-going sales made by EE initiated by PR. This payment will be made within 30 days of the completion of the purchase by check in favor of PR Inc and mailed to… You can add info on refunds, etc., as it suits the situation. Always check with your lawyer and keep it sweet and simple. Is the commission paid on retail or gross profits? How much, in that case, is the profit? Ask the hard questions before you seal the deal, get it in writing before you make the connection, and manage your JV’s. Stay in regular contact with all your JV partners and do not be afraid to walk away if there is any sign of compromise, dishonesty, bad service, or late payment. Some JV partners will tell you anything you want to hear before you send them business, but then you have to beg them to pay you. Therefore, do solid due diligence on potential JV partners and I suggest you use the JV’s we recommend in this book to start with. Why reinvent the wheel? 39
  40. 40. 40 The Right Foundation Before we start discussing the systems you can use, you need a firm foundation to be a Joint Venture Broker. You nee the following in order to succeed: 1. The right philosophy. We have discussed this. You need to have the right mindset. Join Success University – – it will provide you all the mental support and learning you need, plus it will make you money, ( I am a Director in this company) since it is an excellent Network Marketing company to which I belong. Make sure you’re reading the books I have recommended, especially Atlas Shrugged. You can also read The Tipping Point by Malcolm Gladwell, The Long Tail by Chris Anderson, The art of War by Sun Tzu (Stephen F. Kaufman version), and Robert Kiyosaki’s books. Visit my Blog,, for hundreds of helpful articles, and watch videos, listen to podcasts and interviews and more on This input will continually support and build your motivation and understanding. 2. Access To The Right People and Support The reason why I started the DollarMakers Joint Venture Broker Club was to provide a group of people who understood Joint Ventures, were prepared to pay good commissions, and who agreed to abide by a business Code of Ethics. We regularly fire Members who don’t pay or are dishonest. I have never come across a Chamber or Commerce or Service Club that fires Members. This self-policing policy works very well. Members report other Members for spamming, dishonesty and unprofessional behavior. You don’t have to educate your JV partners and there are many opportunities just waiting – hundreds of Members all over the world. When I present Bootcamps around the world, many people join the Club. We also have the DollarMakers Women’s Club, which my lovely wife, Rika, runs. Women only. Highly recommended. You can belong to both. Both Clubs have regular conference calls for their Members, local meetings in some places (you can start your own meeting) and a yearly Convention. I personally only do business with Members of either DollarMakers Club. Join the DollarMakers JV Broker Club at and join the DollarMakers Women’s Club at www.DollarMakersWomen’ We support our Members and bring them great opportunities. 3. Legal Protection, Assistance, and Preventive Services North America is an increasing litigious society. As a person who intends to do business, you can have unlimited access to top lawyers anywhere in North America, contract review, 24 hour legal shield, identity theft protection, and more, for a mere $35 per month through Pre-Paid Legal 40 For Free JV podcasts, ebooks and more, visit
  41. 41. 41 Services - – I am a Director in this company and very involved. The training they provide is exceptionally good. You’re welcome to join my team. It is a Network Marketing Company and the financial rewards are remarkable. It is one of my favorite income sources and a very important part of my business. A very affordable and valuable business legal services rider is also available, including collection letters, consulting, and a lot more. For more information, contact me at with “Pre-Paid Legal” in the Subject Box of your e mail. Or sign up at 4. Training and Support Reading this book and accessing the information at is an excellent start, however I strongly recommend you invest in our products like the Success Library and definitely attend one of our Bootcamps. Bootcamps are full day events for under $500, and you can attend subsequent Bootcamps for a mere $97. Aside from the hands –on training you will receive, you get to meet many other JV Brokers face-to-face, which is worth a lot of money to you. 5. Understand this: It is vitally important to follow the recipes we provide in this book – we know what you need to succeed – and we only recommend things that we are part of. So we walk our talk. The ONE THING I need to stress here is that you need to get more than one JV up and running ASAP. Some won’t work, and I don’t want you getting disappointed and discouraged. 41
  42. 42. 42 20 Proven, Simple, Practical Systems Here are twenty income sources that you can easily implement. Each can make you a lot more than $1,000 per month. In addition to these, you can use the principles learned in this book to creates hundreds more. There is no limit to the amount of money you can make or how fast you can make it. It depends on you. 1. DollarMakers As a Member of DollarMakers. you get commission on sending us business. We have Replicator Websites Available that you can use to market our products and services, and you can participate fully in our activities, a wonderful opportunity to find like-minded people for your Joint Ventures. All information available at and www.DollarMakersWomen’ Give away my popular e book, “Joint Adventures” (More than 14,000 distributed at the time of writing this) and have all the links tracking back to your own Replicator Website! You can also host our Bootcamps around the world. We do the training. We can show you how to do this with no money or risk, and make a lot of money, while at the same time feeding all your other JV’s. For more information on hosting Bootcamps, e mail me with “Hosting Bootcamps” in the Subject Line. Please include full information about yourself as well as a telephone number. You have to be a Member to work with us. Tracking is done easily and the websites track automatically. WRITE YOUR NOTES HERE: 42 For Free JV podcasts, ebooks and more, visit
  43. 43. 43 2. Financing One of our favorite JV’s is with someone who provides Bridge Financing to developers, manufacturers, etc., at a high rate of interest. If you lend him money, you get 12% per year (1% per month) on your own money, while your money is being used. You deal with him, not the borrowers. He is a good personal friend of ours, a Member of DollarMakers, very wealthy, and a successful lawyer. So you borrow money at around 6% from your bank on a line of credit, use the equity in your home, whatever, and earn 12% = 6% per year on your bank’s money. Assume you borrow $100,000 and lend it at 12% but it costs you 6% - that means you’re making a net profit of $1,000 per month on your bank’s money. Many people have equity in their homes and unused lines of credit. When you receive an offer from a credit card company to lend you thousands of dollars at one-and-a-half-percent a year for six months, take it and send it to Steve, and earn 11% on the credit card company’s money for six months! Minimum Investment $20,000. For direct contact information, e mail me with your details (I don’t reply to anonymous e mails or e mails with only a first name) with STEVE FINANCING in the Subject Line of your e mail. Tracking is done through e mail, communication, and spot checking. WRITE YOUR NOTES HERE: 43
  44. 44. 44 3. Pre-Paid Legal I use preventive legal insurance (just like I use car insurance and medical insurance) that allows me unlimited access to a top legal firm by phone, 24 hours a day, and unlimited contract reviews, plus identity theft protection and more. It costs me a mere $35 per month. I’m covered anywhere in North America. When I tell other people about it and they use it, I get paid on an ongoing basis while they use it. And when they tell their friends and family, I also get paid - on an ongoing basis. So I invest $35 for a fantastic service that no thinking person in North America should be without, and that little DollarMakers kicks thousands of dollars per month into my bank account! In fact, there are people who make over a million dollars a year with this same DollarMaker, and it’s been around for 35 years! We have discussed this opportunity and service previously in this book. Join my team! Contact me for more information – a powerful income source with unlimited potential: Tracking is done automatically, all training, support tools and more provided! WRITE YOUR NOTES HERE: 44 For Free JV podcasts, ebooks and more, visit
  45. 45. 45 4. Success University I tell people about the motivational and self development service I use that costs me $49 per month for thousands of dollars worth of courses and seminars from the best trainers in the world, and I get paid on all the people they bring and on all the people their people bring, and on down the line, ongoing, every single month. This DollarMaker is also available to you: Also previously discussed, contact me for more information or sign up online. Tracking is done automatically, all training, support tools and more provided and this opportunity is available world wide! WRITE YOUR NOTES HERE: 45
  46. 46. 46 5. Back End Most small and medium-sized businesses work at about 10% of their profit capacity. They simply work too hard for too little, because they neglect the most lucrative opportunity available to them - Back End Income. Any intelligent business owner who understands and implements this philosophy with the right people can double his profits in three months or less. Bold statement, and absolutely true. You’re not in business to make sales, get new customers, or provide good value. You’re in business to earn Net Profit. Most entrepreneurs forget this as their egos and emotions overtake their reason and objectivity. They’re employees and children masquerading as mature business owners. They’re self-employed, broke salespeople wearing entrepreneur masks. The purpose of business is to make a profit. I know that’s a revelation for many, and if you think I am out to lunch, consider this: In your own business, your net profit might be 6% or 20%. Back-end income is 100% and residual, with no cost, no risk, and virtually no time required. It’s a no-brainer. Let’s consider my auto mechanic, Ray. He’s a great guy and an expert who sells his time and battles to find employees who stay with him, so he works harder and harder and earns less and less because his costs and competition increases. He’s getting older, too, so he’s a bit slower. How could we double his profit? If he sets up a Joint Venture with a car detailing business, Ray could offer this as an additional, add- on service option to all his customers. If they choose the detailing service, Ray simply calls the detailing guy who shows up and cleans the car. Ray shares the profit, which to him is 100% margin. What else could he do? Offer new and used cars, financing, cell phones, insurance, gift certificate that earn him money when they result in sales… unlimited options, no extra time - simply a check list and a referral - and no cost or risk. Realtors can add furniture, lawn maintenance, insurance, construction, appliances, home theaters, renovations, flooring, electrical and plumbing services… you get my drift. Easy. How about retail outlets, jewelers, carpet cleaners? Unlimited opportunities. As a Broker, you can link all these services and systems up and make a huge amount of money as a Middleman. Make it easy for lazy and busy people to leverage what they already have - customers, credibility, relationships, databases, and access. Set it up for them and share the love. Remember, on a Bell Curve, the average IQ is only 100. Most people will never understand this, and you can make money by making them more money. What else do your customers want and need? How can we relieve their pain, save them time and money, and make life easier for 46 For Free JV podcasts, ebooks and more, visit
  47. 47. 47 them? How can we add value to their lives? It would be far easier for me if my realtor provided me a list of known and respected, recommended, professional renovators, handymen, flooring and painting experts, furniture retailers and home theater experts, electricians and plumbers, carpet cleaners and computer experts when he sold me my home. And he could earn a commission on each of the services I purchased, on an on-going basis! That income would be 100% profit in his pocket. You could set that up for Realtors and share the resulting commissions with them. Most Realtors make very little money, and this service could make them money even when they don’t sell a house! “Mrs. Jones, I’m sorry I couldn’t find a suitable home for you, however please accept this Directory from me as a thank-you gesture for your patience and interest. Living in this area, I know it will be important for you to find reliable contractor and suppliers, and this Directory also contains discount coupons, gift certificates, and vouchers valued at $2,000. My gift to you.” Naturally, the key is to only Joint Venture with and recommend solid, honest, and professional people, and that’s why I started the DollarMakers Joint Venture Broker Club. Members must abide by our Code of Business Ethics or get fired. And I do fire Members. Join the DollarMakers Club or the DollarMakers Women’s Club (Ladies Only) and get instant access to hundreds of people who understand Joint Ventures. I personally work exclusively with my Members. If you don’t use back ends, this article can change your life. If you have a good back-end structure in place, you can afford to break even or even lose money on the front end, initial sale and still get rich. Tracking is done on an ad hoc basis, depending on the system. WRITE YOUR NOTES HERE: 47