1. Presented by Nadine Alexandre, MHRM Rutgers University Alumni Association June 10, 2010

2.  The World around us has changed but the advice has yet to change.  Good Education = Good Job  The higher the education the better the job will be.  Hard work will pay off  Put in the time and effort at work and the meritocracy (pay-for-performance) system will reward you.  Save a Percentage – Buy now  Pay Later  Later you’ll potentially earn more therefore it is safe to continue to take on debt w/ interest

3.  Everything Starts with A THOUGHT  What thoughts have you been entertaining regarding your financial status and financial future?  Recession Victim vs. Recession Victor  Victim  fear of losing job, worry about finances, make statements about losses in economy, work to pay bills, believe there are limited opportunities  Victor  focus on opportunities being overlooked by most, find & make strong investments, work to learn & develop skill sets, seek and create multiple streams of income, know this is the time when new millionaires are created  Time to Shift Mindset from one of Recession Victim to Recession Victor!

4.  Officially began in December 2007 (National Bureau of Economic Research)  From Dec 2007 to 2008 U.S. employers trimmed payroll by 1.2million jobs

5.  Current recession is one of the longest since the great depression of the 1930’s.  Widely accepted reasons for economic downturn:  Housing market  Financial market  Credit crisis  The current national income is approx. 10% below the level it would have reached in the absence of the financial crisis  Current unemployment rate – 9.7%  As of May 2010 – 15 million Americans were out of work

6.  This is the first time in American history that we have had four different generations working side-by-side in the workplace. Each have been greatly affected by the economy and have distinct views of work & lifestyle

8. The EmployeeThe Investor The Self- Employed The Business Owner

9.  Develop a passion and take it from vision to a cause which must be fulfilled!  Master the basics of accounting  Learn how investments work  Develop an understanding for the market (i.e. stocks, real estate, bonds, etc.) and know that it is emotionally driven  Learn the tax system and/or obtain an accountant with tax expertise  Develop a mindset to create multiple streams of income

10. “Billionaires know that a job will never make them wealthy; investments will.” (- Scot Anderson)  Identify industries where wealth is being created - that link to your passion.  Consider time your most valuable asset.  Understand that success is when opportunity meets preparation ~ S = O + P  Know that if you fail to plan you, you plan to fail!

11.  Two Types of Streams  Linear – paid only once for your effort (i.e. salary, hourly paycheck)  Residual – you work once and it generates a steady flow of income for months and even years. (i.e. author of bestseller, network marketing, inventors)  Types of Residual Earners:  Network marketers, real estate investors, securities agents, insurance agents, entrepreneurs, franchisors, software creators, inventors, marketing consultants, game designers, songwriters, celebrity endorsers, etc.  Ask yourself: What percentage of my week/month did I spend creating residual income?

12.  Network Marketing – identify high quality product w/in a growth industry that creates demand and sells itself.  Example – Health & Wellness industry is projected to become a trillion dollar industry this year!!!

13.  Network marketing – also known as multilevel marketing – the ultimate money making machine (- Robert G. Allen)  The Power of Leverage and Duplication  Within a year or two have made the most millionaires – taking ordinary people into extraordinary lifestyles.  Ardyss International – www.ardyss.comwww.ardyss.com www.ardysslife.com/divinehealth www.reshapeandloseweight.com

14.  Real Estate – YES IN THIS ECONOMY!  Going back to historical recessions many millionaires were created in real estate during down economies  Buy Low Now – Sell High Later! Increasing Home Prices Since 1940

15. Traditional Business Technology-Based (Automated) Business  Traditional Business Marketing  Snail Mail (slow, expensive unreliable, high cost)  Business Week/business hours  Local/limted geographically  High overhead  Usually need to be a big player with big money  High cost of failure  Launched from a fixed location  One dimensional marketing  Limited shrinking customer base  Less efficient, Old Traditional  Internet / Multimedia Marketing  Email (Fast, cheap, reliable, low cost)  24/7/365  Entire world  Almost zero overhead  Can be an unknown with little or no money  Low cost of failure  Launched form any computer in the world  Interactive multimedia marketing  Unlimited, expanding customer base  Faster, Efficient, Innovative

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17. Nadine Alexandre, MHRM Email: nadine.dtm@gmail.comnadine.dtm@gmail.com Facebook: Nadine Alexandre Upcoming Book: The Recession Proof Life Phone: 866-314-7393