More Time Than Money

Two things are needed to go into business time and money. This post is about CTFO (Changing The Future Outcome) a business that you can get into by investing more time than money. When working any job an employee invests their time and they get money. It’s the same when starting and growing a CTFO business – invest time get money.

Let’s be very clear from the outset – starting an online business is the same as any investment – you have to put something in to get something out.

If you are someone with more time than money the most important thing for a business is the ability to get in and make money off your work. Any business that requires people to purchase a certain amount of product every month won’t work. That is asking too much and it is the reason why most people fail. It simply is not a sustainable business model because you are starting from behind losing money from day one.

The best business model, for people with more time than money, will allow you to get in and work your way into position. Your success with a company should not be depending on you recruiting sales people. You should be able to make money just by selling the products to customers. The best business model for people with more time than money will allow you to build your business on effort. It should never require you to spend money you don’t have.

CTFO (Changing The Future Outcome) is a business program allows you to make money on your sales without having to buy anything. CTFO has thought of everything. They offer are amazing high quality, reasonably priced, anti aging, nutrition, health, and pet CBD oil products. Every time your customer makes a purchase you get paid.

If you are interested network marketing CTFO is the best opportunity. You can build your business one person at a time as slowly or as fast as you want to. The matrix is incredible. You make 20% on all your personal sales and 4% on the sales of the people you bring in. And there are even more ways to get paid. It free and easy to join this team.

Click Here to take a FREE position NOW with CTFO.  And please leave your questions and comments below.




“Habit is habit, and not to be flung out of the window by any man, but coaxed down-stairs one step at a time.” Mark Twain

This point should always be remembered. People are creatures of habit. We are in the habit of liking what we like and living as we do. We can’t just change with ease but we can change. This is especially true with the things we do most often. What is it that we do every day?

Eat. It lifts our spirits, gives us energy and keeps us healthy (or unhealthy). It’s not a problem because eating is generally good for you. You should eat and eat well. What is eating well? Eating well is eating the food nature intended for your body. It’s eating all that good food from the produce aisle.

Want a really good snack? Apples, oranges and pears come to mind, buy them, wash them and put them in plain sight. Then they are grab and go ready when ever you have the need to eat something. It’s good and good for you. You should make it a thing – bye-bye cookies. The cookies should be gone, perhaps not gone forever but just coaxed down-stairs for a few weeks while you take a break and eat healthy food for a while.

Maybe you haven’t had fresh vegetables in quite some time. I suggest starting with a salad. I fix my simple salad with lettuce, spinach, tomatoes, onions and basil. Sprinkle Italian seasoning, vinegar and a little olive oil over it and it’s done. You can eat it before you have your meal or as your meal if you make it hearty enough. You will find that salad goes well with everything. Sometimes instead of rice or pasta I use salad as my base and put my meal on the top. Give it a try. Everything is washed and waiting for you in the produce aisle.


The Benefits of Walking for Exercise

The benefits of walking for exercise can be summed up in one word – longevity. Unfortunately, exercise is something that most people dislike. Talk exercise and people turn away. They don’t want to hear it. People do not like to even think about exercise because of their belief in no pain no gain. That one belief makes exercise a stressful, uncomfortable, unhappy workout experience.

When considering an exercise program what you should concentrate on is enjoying your exercise and nothing else, fitness, weight loss and better health just happen later after you start moving. If you find your exercise relaxing and enjoyable you will want to do it. That’s the point – if you want to get the benefits of exercise your body needs to move. You need to want to move just as much as you want to play video games, binge watch programs and eat.

Many of us are very familiar with the Aerobic and Anaerobic forms of exercise. We workout under the belief that Aerobic is better for building muscle, getting fit and living longer. That’s not the truth however. Exercise is just one tool in our stay healthy tool box and the more difficult we make it the less likely we are to do. So the form of exercise that is best or building muscle, getting fit and living longer is the actually one we are most likely to do regularly.

Aerobic Exercise

Aerobic exercise gets your heart and muscles working to pump the blood to bring oxygen to the muscles. Aerobic exercise produces lactic acid in your muscles, which causes you muscles to stiffen up later causing you pain. This is a no pain no gain type of unhappy exercise.


The main type of aerobic exercise is running. Running is good for weight loss. But running is not the best for longevity. It puts stress on the body and increases the risk for injuries. You actually need to have a certain level of fitness to begin with running as your exercise of choice. If you are not fit to begin with starting with running is going to be a challenge and a pain. You won’t want to do it. Fortunately there is Anaerobic exercise.

Anaerobic Exercise

Anaerobic exercise causes the heart to work harder than normal which circulates the blood and oxygen but does not work the muscles as hard and does not create lactic acid. Additionally, anaerobic exercise helps in releasing stored fat so that the body can dispose of it. This can be the more relaxing forms of exercise such as Tai chi, yoga and my favorite walking.

The Benefits of Walking for Exercise

Walking is the best form of anaerobic exercise. Walking is good for longevity. It can help you to relax, lower your blood pressure and reduce your risk of chronic diseases such as diabetes. Take it slow and you’ll discover another one of the benefits of walking for exercise is getting to spend quality time with those you love. The pace is agreeable for talking. The space is safe because it doesn’t belong to anyone. Going for regular walks a great way to help you and your relationships get and stay healthy.


I love walking and go as often as I can. I recommend that you start walking at least 3 times per week and increasing your walk time to at least 1/2 hour as you feel more comfortable and enjoy it more. I encourage you to get up and out and enjoy all the benefits of walking for exercise for yourself. As for the optimal amount of time to spend and steps to take – some is better than none. You can find your own optimal amount of time and number of steps once you get started.

I would love to hear your thoughts on this topic. Please leave your comments below.





Begin With A Walk

Eating healthy, looking good and feeling strong are the results of a good diet and exercise. We would all love to eat whatever we want look good, feel great and have that be that. It can work like that if you love to eat fresh organic fruits, vegetables and herbs as discussed in my previous post Eat . If you don’t then you will have to do it with that ugly four-letter word – work.

It’s not hard work, but it is work. It requires a change in habits and that is the hard part. Start by walking. That’s the first step you need to take. 🙂 Add walking into your weekly routine. The best way to healthy and is to get moving. The best movement is walking and almost everyone can do it. Get out and go walking three time a week. How much you should walk depends on what you are comfortable doing. What’s your level of comfort? Can you walk around the block or around the yard or maybe a few trips around the room? Start there.

For example, the first two weeks you walk around the room for 10 minutes (three times a week), after that you spend two weeks walking around the yard for 15 minutes (three times a week), then you spend three weeks walking around the block for 15 minutes (three times a week). The walking gets easier the more you do it and as a result you can do more of it. Keep increasing your walk time until you are walking 30 – 45 minutes three times a week.

It costs you nothing but time and it’s time well spent because your body needs it. Getting paid to be healthy; requires you to focus on being healthy. We can do that together. Don’t wait start walking today. Please leave your comments below.

The Secret to A Happy Healthy Life

A healthy happy life starts in your mind. Are you keeping company with good thoughts? Thinking good thoughts is more important to getting and staying healthy than eating well, or doing exercise, because what you think determines what you do. When your thoughts are not healthy and happy, you will not be healthy and happy.

Thoughts Are the Key to A Happy Healthy Life

Your thoughts are your best friends. They can lead you to a healthy happy life. Have you noticed that when your friends are upbeat and encouraging you feel good? And when they are down, fearful, or depressed you feel the same, Thoughts and friends are infectious. Happy, positive thoughts and people create more happy, positive thoughts and people.

Don’t Entertain Harmful Thoughts

Are your thoughts bringing you joy? Or are they whispering fear, self-doubt and failure into your life? If they are – dump them! Just like you don’t need friends who do that to you, you don’t need thoughts that do that to you. They are not helping you. Those kinds of thoughts are causing you harm.

Thoughts rise in the mind like waves rise in the ocean. Just like you will meet all kinds of people; you will think all kinds of thoughts. But you get to choose which thoughts you will entertain and have around, just like you choose which people you will entertain and have around you and your family.

Thoughts Can Change Your Mood

People don’t cause circumstances by thinking of them. If that were true death would have ceased to exist ages ago. A person’s thinking pattern creates moods and dispositions that will either help or harm them. Our lives or filled with ups and downs. We look at others around us and think what are you looking at? Poor me! You don’t understand my struggle! So we entertain thoughts like these and develop a bad attitude, because we are not understood and loved the way we want to be.

The trouble is almost every person is looking around and thinking pretty much the same thing. And it is usually because we don’t have enough hours in the day to cope with our pain or the pain of those around us.

Creating A Healthy Happy Life Takes Effort

Having a healthy happy life takes effort. You have to stop looking at your pain and look at all that is good in your life. You hate your job. That’s understandable, but think about how fortunate you are to have a job. So many people would like to have a job. So think, I’m glad I have a job. Your spouse is on your last nerve. Think about how much you love her or him. Think about the times s/he showed you how much s/he cared for you. Others are alone, but you have someone you love. In addition, make sure your expectations are realistic. Getting on your last nerve is the first item in the job description – it’s what a spouse does.

Thoughts Can Change Your Life

Thinking loving, kind and helpful thoughts is the first step to a healthy happy life. If you will let the Pollyanna in you out and develop the habit of leaning toward the positive. Not only will you be healthier and happier but everyone around you will be a happier too.

Seven Tips for Success In Any Area

Think about the times when you have been successful in your life. What were the basic things you needed and did to achieve that success? I thought about it and came up with this list.

Work for it. One of the first things people need to understand is that success takes work. Most people are working hard to sustain the life they don’t want but still think that the life they want is going to come easy. Everyone loves the overnight success. Unfortunately, the overnight success story is just that – a story. Behind most real success stories are years of hard work, training, and preparation. The truth is you get what you work for.

Start now. Just doing a little to reach your goals every week will pay off vs just thinking you are going to do something later. Years will go by and you will not be one step closer wishing and hoping – doing is the critical factor.

Set goals and objectives. These are extremely necessary to help you know where you’re going and keep on task until you get there. Don’t wish for success plan on it.

Study what you want to succeed at. There are tons of material on every subject. You just have to look for it, study it and put it into action.

Surround yourself with positive and supportive people. People are very social if you surround yourself with friends who are struggling, binge-watching programs, or worse, you too will engage in similar activities. And should you decide to do something different you will not get the emotional, mental and other support that you need.

Make friends with someone who is doing what you want to do. You need a personal contact who can tell you what it takes. Someone who can give you some advice and direction. They will help to keep you on track.

Don’t give up. Success takes work and resilience. You will fail sometimes, but you have to learn from those failures, grow and keep going.

Wealthy Affiliate can help you with all the above. If you really want to succeed join Wealthy Affiliate today. It’s free.
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What’s on your list? Leave your comments and suggestions below.


Creating Web-Based Income Are You Ready

Creating web-based income takes time and effort. It does not happen merely by thinking. It is not easy or free. Perhaps it should be but it is not, if it were, then everyone would already have it. That is why time and effort are critical if you are going to be successful.

What You Need to Succeed

To succeed in creating our own web-based income most of us need the same things; information, instruction, support, time, money, effort and determination. And even when we have all those things we will still make mistakes and suffer setbacks. That’s why having the right support is so important. The people you talk to about your work need to be interested and actively working to achieve similar goals in their own lives. When you get hit the bumps in the road and you will hit them, the people you talk to will either distract and discourage you, or encourage you to continue on. You notice I didn’t just say discourage or encourage but distract as well. That’s because you need to spend time working to achieve your goals and time is a premium in all our lives.

Time and Money Are Interchangeable.

You can turn your time into money and your money into time. Money will allow you to purchase information, instruction, and support; if you don’t have it you can get the same by taking the time to find and develop it. No matter how much money you have however, you will still need to put in some time and effort to generate success. Similarly, no matter how much time you have you will still have to pay for some things that will help you achieve your success.

Work With People Who Have What It Takes

The work you do now will allow you to achieve your web-based income. Understand that once you do that, you can do it again. And you can help others do it as long as they have the understanding and ability to do the work. You want to be selective about who you work with. Work only with your peers on this one, like-minded people who are in pursuit of web-based income. Your friends in this endeavor are those who will make the effort and do the work.

The Best Resource

If you have what it takes then what you need next is Wealthy Affiliate. Wealthy Affiliate is the best resource to help you build web-based income. It gives you get the information, instruction and support you need and has both a free and paid program. Click the link below to get access to Wealthy AffiliateTry Wealthy Affiliate Free

Your Comments Are Welcome

What are your thoughts on wweb-based income? Post your comments below.

Experience the Health Benefits of Ginger Tea

Ginger – Zingziber – from Sanskrit meaning shaped like a horn. The rhizome (underground stem) is what we call ginger or ginger root. Ginger is believed to be the world’s oldest spice. It has been highly valued as a medicinal herb for centuries.

History of the Health Benefits of Ginger Tea

Ancient Indian and Chinese herbalist prized ginger for its ability to increase general health, promote vitality and enhance immunity. In Europe during the Middle Ages ginger was a very costly and precious spice, which was used medicinally as a cure-all and as a remedy against the plague. In ancient times the most common way to access the health benefits of the ginger rhizome was to make a tea by placing a thumb-sized piece of ginger in boiling water

Contempory Use of Ginger Tea

Ginger has a stimulating effect on the heart and circulation. It inhibits clotting and thins the blood. Ginger best known for its ability to relieve indigestion, gas pains, diarrhea, and stomach cramping. Ginger is used to treat all forms of nausea and vomiting. It has anti-inflammatory properties which help relieve pain and reduce inflammation associated with arthritis. It also helps to remove toxins from the body. Ginger used as an antidote for colds and food poising. Ginger tea is said to reduce stress. Ginger tea is said to be effective against ailments of the reproductive system. Hot ginger tea promotes perspiration, and has been used to bring down a fever.

Experience the Health Benefits of Ginger Tea

My favorite way to experience the benefits of ginger is as a dehydrated powder tea. Powdered ginger has more nutrients because of the removal of moisture, but more importantly it also has high levels of the pungent substances, which are thought to be the source of ginger’s health promoting qualities. Powdered ginger can be used in many of the same applications as the fresh including as a tea and in cooking.

Enjoy the Health Benefits of Ginger Tea

It’s so easy to make tea out of powdered ginger from the spice rack. I pour 1 cup boiling water over ½ teaspoon ginger powder, steep for ten minutes, add honey and lemon to taste. I have also used the powdered ginger spice instead of capsules. Simply take 1 – 2 teaspoons of powdered ginger two to three times per day. But my all time favorite powdered ginger tea is Prince of Peace Instant Ginger Honey Crystals.

Take the Health Benefits of Ginger Tea With You

I usually carry the packs in my car, and sometimes I have them in my pocket. I use them to get relief not only from stomach upset, but also from migraine headaches my own and those of fellow suffers I come across. This powdered ginger tea is effortless, calming, and effective just open and pour into a cup (or 8oz bottle) of water, hot (my preference), room temperature or cold. Try ginger tea for it’s many health benefits – it works.






Eat Healthy Food

The most basic thing you have to do to be healthy is eat healthy food. That’s not easy. It’s really hard if you eat fast convenient food because it’s not good for you. The good news is you can eat healthy food. It doesn’t matter how much money you have or where you live. You can eat healthy food. You do have to make some changes to your diet though. And that’s not easy, but it will make you healthier.

Life is inconvenient, all good things are, it’s the same with cooking your own food. Keeping it simple and sticking to the basics is best to start with. Personally, I like to eat beans, fruits and vegetables because they help me to detox and get back to feeling great. If you don’t have a stove and can’t cook go to the grocery store and get fresh fruit and salad.

Your mind will want to tell you that there are healthy convenience foods. I advise you to read the labels the facts are there. I started reading labels to avoid the following things:

Hydrogenated and Partially Hydrogenated Oils

Monosodium Gluconate (MSG)

High Fructose Corn Syrup

Red Dye #40 (crushed bugs)

Folic Acid

L- Cysteine (human hair in bread products)

Genetically Engineered Foods

At first I couldn’t find anything to eat. The state of our food is so crazy. The other day I was buying butter I thought, better check the label. It read: cream, milk, and natural flavoring. Butter is the only flavor I want in my butter! I left it on the shelf. It’s usually like that when you read the label, you still need to do it. Just because food companies package something that’s says healthy and all natural on the label; doesn’t mean you should eat it.

Here’s a few tips I have learned over the years that have helped me. Look for foods made with one to three ingredients that you know. If you don’t know or understand the ingredients – don’t eat it. Shop the produce aisle the most. Be careful about your oils. I usually use butter, olive oil, and coconut oil, all of which I normally add to my food after cooking it.

Eating healthy food is worth all the effort we have to make. We can succeed with ease if we help each other. Please do feel free to leave your comments and advice below.

You Can Learn to Earn Money Online

Wealthy Affiliate is a business incubator that allows you to learn to earn money online. It helps you to solve the problem of how to earn money online by providing you with training, a place to set up, host and manage websites, marketing skills and mentoring. Wealthy Affiliate provides everything you need to take your business from idea to operation. It can assist the existing small business owner with training to enhance your online marketing, business presence or website. It has everything you need to survive and thrive during the process of creating and maintaining your small business online.

Wealthy Affiliate Helps You Learn to Earn Money Online

Wealthy Affiliate provides a combination of business development courses, tools and networking that help to develop and grow new and small businesses. It is like an online university offering courses to help you get started or further develop your business.

Wealthy Affiliate for the Newbie

Just starting out and short on cash, no worries. The basic course work for the complete newbie is offered free. It cost you nothing. Just sign up and complete the course work. The basic training teaches you how to find your niche – the thing you like doing the most – so that you can make money, while doing what you love. You will learn to set up a website around what you love doing. Even if, you can’t decide what you love. You can still learn to earn money online with the affiliate marketing course. No matter which method you choose when you finish the first course you will have a basic knowledge of online marketing and two websites up and running – hosted free on Wealthy Affiliate.

Wealthy Affiliate for the Small Business Owner

Wealthy Affiliate is a small business owner’s social network. It helps existing small business owners to maximize their online presence. You can transfer your website to It, where hosting, privatization, and email accounts are all included in the membership price. You can get training on marketing, website traffic and SEO optimization. Assistance and advice can be had at any time by posting a question or contacting a mentor. It’s real people, many of whom are experts in growing and developing their businesses.

Learn to Earn with Wealthy Affiliate

No one can tell you all It has to offer, you have to experience it yourself. You can sit there thinking about how much you want to learn to earn money online or you can click below and do it.

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What do you think is the best way to learn to earn money online? Leave your answers below.