Ewen Chia’s Internet Millionaires Review – Scam Or The Real Deal?

Is Internet Millionaires a SCAM? And, does Ewen Chia deliver on his promises?

In his new and huge (380 pages long) Internet Marketing book, he gives us the following promises…

“You Can Be An Internet Millionaire Even If You’ve Never Made A Penny Online Before…And I’ll Show You Exactly How To Do It!”

Really? Or just another hyped-up empty promises?

Well, I have received a copy of the eBook 3 days ago and have given it a good read. Although it’s 380-page long, it’s an easy read as the font is big and Ewen uses very simple English. In this review, I will tell you EXACTLY what you will get from his new book.

By the way, you can now buy this book for LESS THAN $13 on Amazon. BUT, please do not buy from Amazon, I suggest you order it online on launch day – February 26th, 2009! Because ordering it online will qualify yourself to a bonus worth almost $500 from Ewen himself.

Let’s get started with the review…

What will you learn from Internet Millionaires?

In a nutshell, you will learn the EXACT STEPS on how Ewen built his Internet-based businesses and made his first million.

Here’s a sneak peek of some of the things you will learn inside Internet Millionaires:

– MARKET RESEARCH ~ What do people want to buy online? What are they looking for?

– MARKET SELECTION ~ From the perspective of profit potential, which market is worth breaking into? Having this skill will always lead you to “EVERGREEN” market. Meaning that market that has long-term profit potential. No more wasting time and effort in the “FLY-BY-NIGHT” market.

– PRODUCT SELECTION ~ Which products can you deliver as solutions to meet your market demand?

– OFFER TARGETING ~ How to position your offer correctly within the market? The skill and strategy you learn here will set you apart from your competitors. You’ll become clear why some people can sell products so easily while others struggle.

– TRAFFIC ~ The lifeblood of any Internet-based business. You’ll learn how to get your solutions in front of your market.

– LEAD GENERATION AND FOLLOW UP ~ Many online buyers do not buy on the first encounter. In fact, some statistics show that it takes an online reader about 7 times of being exposed to the same offer before making a purchase. Therefore, you must have a mechanism that can capture your prospects onto an e-mail list so that you can follow up and follow through. You’ll learn all about it in this section.

– BACKEND ~ You’ll learn how to create a “backend” system that will boost your income and help the growth of your business.

– AUTOMATION ~ You’ll learn how to integrate all the components that you’ve learned in the previous sections together, set it up and place your business on autopilot.

– DUPLICATION ~ This is also known as “RINSE and REPEAT”. After you’ve gone through one complete cycle of how to build a profitable online business, you’re now left with the skill and ability to start a second or even third business so you can multiply your total income.

As you can see from the above, all these are proven steps in building a profitable online business. They are NOT new! But what makes Internet Millionaires book different is the fact that it goes a lot more deeper into each step.

For example, instead of just telling you go and find a profitable market, Internet Millionaires shows you the exact step of how to check and validate a market potential. You’ll discover where to find out what markets people are already buying, what’s the future trends, and how to validate and verify its profitability.

Is there any BAD point?

Certainly! No product is perfect and Internet Millionaires is no exception. I find the first TWO chapters BORING (almost fall asleep). Ewen devoted 44 pages for rambling about his “rags to riches” stories, his success in Internet Marketing, how his journey began, how he became a Super Affiliate, etc. I think 5 pages are just more than enough to sum up his success. This is not a free seminar, people don’t buy the book to read about your “rags to riches” stories. People want straight-to-the-point substance!


Apart from the “rags to riches” rambling, Internet Millionaires is a very decent product. It goes very deep into explaining the EXACT steps of building real and profitable online business.

So, if you have been reading other Internet Marketing books and find that you need more detailed information, Internet Millionaires will be a good companion. You can treat it as a complete reference for building a successful online business. You may want to refer to it over and over again when you’re actually in a process of building your business.

Why Do I Snore at Night?

Snoring is causes by the thickening of tissue at the back of the throat i.e. the tonsils uvula and soft palate relaxes and vibrates causing a rattling raspy sound while breathing or in other words snoring. Let’s take a peep into the various causes of snoring.

A person who has undergone some surgery, not necessarily one connected with snoring, will experience some thickening in the nasal passages thus causing him to snore. Another common cause is due to enlarged adenoids or tonsils down your throat. Goiter is another disease which causes tissues around the neck area to swell up restricting air passage and thereby inducing snoring.

A common cold getting worse and resulting in the air passages getting blocked is another major cause. Treat it with antihistamines and keep a humidifier or vaporizer in your room. Women are known to snore during pregnancy. This may be due to weight gain and increased nasal congestion. They should be encouraged to sleep on their side which is good for the baby too.

Alcohol consumption tends to relax the muscles around the throat causing them to collapse. Snoring could just be the result of this. A bad smoking habit which inflames the upper airway should also be done away with since it could lead to snoring problems too. Snoring which is indicative of sleep apnea could be suggestive of some cardio vascular disease. A doctor’s help is required here.

A person who is prone to allergies and is on allergy medications will experience dryness in the nasal cavities. This causes the person to snore. So does over usage of nasal sprays that eventually irritate the air passage. Obesity is a common cause for snoring; especially a person with a huge paunch is likely to have a narrow air passage causing obstruction in free breathing.

Even babies are prone to snoring, but it’s safer to get it checked out by a doctor. Sometimes it may turn out that there is something lodged inside the respiratory tract of the baby. Men in general are more susceptible to this habit. This is because of their longer necks and the chances of more fat tissue to accumulate.

Other causes of snoring maybe because of certain medications which are actually relaxants. Some people have a disproportionately large tongue which prevents the free flow of air. Also it’s difficult to get a control of the nasal membranes in some people’s case.

Night Vision Equipment For Any Situation

Nearly half of the hours each day take place at night, under dark conditions. Most outdoor activities generally end when the sun goes down because humans inherently have poor natural night vision without the aid of some kind of artificial light. Most people just accept and deal with this fact simply because they are unaware that affordable night vision equipment is readily available.

Contrary to popular belief, night vision products are available to the general public. Most people are under the false impression that these types of devices can only be obtained by military or law enforcement personnel. Now, it is true that items like special application night vision rifle scopes are only available to these entities, but there are many other devices available for purchase by anyone. In fact the average citizen can purchase and own top military grade equipment like night vision goggles, binoculars, and monoculars. The only limitation is that some higher end products cannot leave the United States.

Despite the fact that night viewing technology has existed for nearly half of a century, the equipment remains underutilized. Generation 1, or Gen 1, technology was actually invented during the Vietnam War era and is still sold today as an inexpensive entry point into the night seeing world. While Gen 1 products offer significantly improved dark condition viewing over naked eye viewing, this improvement pales in comparison to what US Generation 3 technology offers.

Generation 3 devices are considered expensive by some, however the benefits of using such equipment often seem priceless to the user. It all boils down to the ability to see without being seen. This ability offers virtually limitless potential. The advantages include, but are not limited to, improved abilities in wildlife observation, security, surveillance, camping, maritime navigation, search and rescue, astronomy, hunting, and even handling blackout situations.

Among the most common questions about night vision technology, are questions regarding the differences in the three generations. Obviously the price increases from Gen 1 to Gen 2, and from Gen 2 to Gen 3, but so do the benefits. On a scale of 0-100%, zero being unaided human vision and one hundred being comparable with normal daytime viewing abilities, each generation offers its own range of increased night seeing capabilities. Visual abilities for Gen 1 range from 10-20%, Gen 2 from 50-60%, and Gen 3 from 75-85%. Similarly, the operational life increases with each of these generations. Operational life of Gen 1 devices is typically 500-1,000 hours, while Gen 2 offers 2,000 hours, and this figure jumps to 10,000 for Gen 3 products.

Deciding which generation of night vision equipment to choose can be difficult to figure out without expert advice. Variables in this decision break down to personal preference, specific application, and available accessories. For example, some people opt to save money by going with a Gen 1 device, only to be disappointed in its performance. But a user’s experience can be greatly improved with magnification and hands free accessories.

Suffice it to say, there’s quite a wide variety of night vision products and accessories available for purchase, which creates seemingly endless combination options. From weapon mounted sights to infrared illuminators, the more one learns about night vision equipment, the more equipped they will be to make a wise purchasing decision.

Aqua Sphere Goggle Comparison

The Aqua Sphere goggles are equipped with larger than normal lenses, which provide indoor and open water swimmers with 180 degrees of vision. Check out the styles below. Perhaps one of these popular Aqua Sphere models will be ideal for your swimming needs.


The patented curved lens design of the Aqua Sphere Seal Swim Mask gives swimmers unparalleled peripheral vision, without distortion of any kind. This is due in part to its Patented Plexisol lens optics, as well as a unique anti-fog coating. If you’re looking for a dive quality goggle-mask, then look no further than the Seal. Its silicone skirt not only provides an ultra comfortable fit, but also helps keep water out for clear vision no matter how rough the water’s condition. Swimmers love not having to worry about these goggles fitting properly and staying in place, thanks to the easy-to-adjust buckles. On top of all this, the Seal was the first to be recognized by Ironman triathletes for its unmatched performance for both fitness competitions and recreational swims. Clear and smoke colored lens options provide you with even more depth perception while in the water.

Seal XP:

As you can imagine, the Aqua Sphere Seal XP Swim Mask is fairly similar to the original Seal model. But, there are a few key features that make the XP line stand out from the crowd. Essentially, the XP combines the visibility and comfort of the standard Seal goggle with the streamline, hydrodynamic Kaiman Goggle. The one-piece frame can be worn comfortably for hours on end thanks to its Softeril skirt with Silicone strap. Plus, swimmers love the mask’s low profile, which is especially important for athletes looking for a competitive edge. The lenses provide your eyes with 100% UV protection and the buckle system is even easy enough to adjust while in the water. It really is ideal for open water fitness and intense swim training. The XP comes in a wide variety of frames, as well as clear, smoke or blue tinted lenses.


For the best of the best in Aqua Sphere technology, turn to the Vista Swim Mask. This innovative design virtually eliminates drag and resistance, all the while still providing you with wraparound, 180 degree visibility. It’s by far the lowest profile frame around. In addition to the unbeatable frame and lenses, the Vista is equipped with the new Quick-Fit buckle system. This allows you to put on and adjust the mask with one touch. And the system is so comfortable, that you might just forget you’re wearing goggles at all. Combine all of these features and you’re left with a mask that’s specifically designed to provide swimmers with the greatest visibility outdoors, indoors, or in any low light setting. Mix and match frame colors with the available tinted lenses and you’ll be able to fit the Vistas into your swim style seamlessly.

EyeClops Night Vision Goggles – Some Parental Concerns

As a loving parent I purchased a set of the EyeClops Night Vision  Goggles  for each of my children – but as a concerned parent I continue to be vigilant over their use of the toy. To be honest with you, I’m still unsure whether or not these  goggles  can be truthfully classified a “toy” in its normal sense of the word. Don’t get me wrong – I love them myself – and have since purchased a set for myself. But we need to keep in mind that it’s rough enough to run around in the daylight – to run around in the pitch black of night is another thing entirely!

We are granted this ability to run around in the pitch black of night due to the spectacular technology contained in the EyeClops Night Vision  Goggles ! In high power mode the  goggles  allow you to see around 50 feet or so in the pitch black of night. I can tell you from personal experience that this ability can quickly lead to a false sense of confidence. But in reality, this is actually the reason why the night vision  goggles  have so much appeal to us humans – they grant us the ability to overcome one of our most primal fears – the fear of the night!

When you first put on the EyeClops you become a bit disoriented due to the monocular fashion that the camera comes into the  goggles . This monocular view allows for the night vision mode to be seen through only one of your eyes. At first use this causes a sense of disorientation that goes away after about a minute. It was an odd feeling of nauseousness for me – but my kids loved it! They said it was like being on a ride at Disney World. The narrow field of view when using the night vision is also a bit unnerving. It’s narrowness also lends to a bit of disorientation – and once again my kids love it. I think we may be seeing a pattern here.

Don’t get me wrong – this is a fantastic device! Like I said earlier – I’ve since bought myself a set! It may have a few misgivings – but for less than $80 you’re going to possess some true-to-life night vision. They’re sturdy and lightweight – so they can take quite a bit. They are also quite comfortable which surprised me the most. I’ve tried a set of the $300 night vision  goggles  and couldn’t keep them on for more than about 10 minutes. The Jakks EyeClops night vision  goggles  use soft rubber throughout the entire unit. This construction makes hours of enjoyment!

I would personally suggest that you go out and get a pair. With the holiday season upon us and birthday hearts to win – I can definitely tell you that if your gift contains a set of Eyeclops Night Vision  Goggles  – You too will be the “greatest dad (and/or mom) in the whole wide world!”

Marketing to the Gen Y Demographic

You may think of the tech-savvy Gen Y as contrarian, iPad-toting, spoiled urbanites in search of green alternatives. Born between 1980 and the early 2000s, Gen Y looks poised to be the next big consumer and target marketing group. After all, they will quickly become the predominant generational group within the primary home buying age. While the 25+ portion of the Gen Y will grow significantly over the next three years, their anticipated economic contribution and outcome will not be seen until 2015 and beyond. The Gen Y is also known as Millennials.

To understand this marketing group, first of all, you need to understand what makes up their psychographic composition:

1. Economic Influence and age distribution: The Gen Y is currently between the ages of 16-32 and represents a substantial and important economic influence that will affect marketing and business trends into the next decade. The table below represents the population percentage of Gen Yers in 2012 compared to 2017. In 2012, Gen Y is 29%, Gen X is 42% and Boomers are 29%. In 2017, Gen Y is 44%, Gen X is 41%, and the Boomers are 15%, a dramatic change in demographics.

2. Technology: 90% own a computer and 82% own a mobile phone. They rely on technology to obtain relevant information and entertainment.

3. Wealth: The Gen Yers said being wealthy was very important to them, this increased from 45% for Baby Boomers to 70% for Gen X and 75% for Millennials.

4. Politics: The percentage who said it was important to keep up to date with political affairs fell, from 50% for Boomers to 39% for Gen X and 35% for Millennials. Political issues are a distraction for the Gen Y, as long as their world is intact, they care little about what is happening on the political front.

5. Philosophical outlook: “Developing a meaningful philosophy of life is not important with this group” this decreased the most, across generations, from 73% for Boomers to 45% for Millennials. Individualism is paramount with the Gen Y compared to conformity with previous generations.

6. Environment: “Becoming involved in programs to clean up the environment” dropped from 33% for Boomers to 21% for Millennials. The Gen Yers are want their environment clean of toxins and pollutants but want someone else to exert the effort.

7. Competitive drive: The Gen Y are “Trophy Kids”, a term that reflects the trend in competitive sports, as well as many other aspects of life, where mere participation is frequent enough for a reward. It has been reported that this is an issue in corporate environments because individual accomplishments have been mitigated. Some employers are concerned that Millennials have too great expectations from the workplace. Studies predict that Generation Y will switch jobs frequently, holding far more than Generation X due to their great expectations.

8. Maturity: Millennials are sometimes referred to as the Boomerang Generation or Peter Pan Generation, because of the members’ perceived penchant for delaying some rites of passage into adulthood. Much longer periods than most generations before them. These labels were also a reference to a trend toward members living with their parents for longer periods than previous generations.

9. Religion: Members of Generation Y are less likely to practice organized religion than older generations, and they are more likely to be skeptical of religious institutions.

10. Debt: The Gen Y is saddled with student loan debt and will be less likely to emerge as a substantial economic powerhouse until this debt becomes reduced.

11. Culture: The Gen Y is putting off major life choices like marriage and starting a family compared to previous generations.

12. The Gen Y is corporate and political skeptics who believe that big business will have a staggering negative impact on society as a whole. Their appeal, from a marketing standpoint, will be to shed corporate branding, which is a turn-off to this group, in lieu of more niche and personal brands.

There will be growth at the younger end of the age spectrum as Gen Y reaches the prime household formation. Marketing to this demographic will be challenging as their mindset approaches because they are radically different from preceding generations as evidenced above. By 2017, they will comprise 44% of the economic influence in the US. Additionally, since 1980 the number of Hispanic households has grown 5 times faster than the rest of the population. 70% of net US population growth is the result of immigration, with 50% coming from Hispanic immigration, a trend likely to continue for the next two decades.

By 2015, nearly half of the population younger than the age of 25 will be non-white (45%) and the affects of this evolution have touched every aspect of our everyday life and will continue to change the landscape of America. The Gen Y will be very interconnected where nothing is private; texting is their main communication medium, verbal communication skills have been diminished to the point of a lost cause. They place a high level of importance on individualism, self-fulfillment and narcissism.

What is to be learned and how do you structure your marketing strategy to this up and coming demographic? Consider the following areas of marketing emphasis:

1. Vision begins with a clear understanding of the future, 2015 and 2017 are not that far away, structuring your sales and marketing plan today to target this demographic will require some creative thinking.

2. The Gen Y will not begin to produce any measurable economic impact until 2015.

3. Place your advertising dollars into social media and technology to attract the Gen Y where they will be looking for your message. Engagement – A member of Gen-Y is rarely disconnected. Build relationships in the social networks they frequent, and don’t forget to optimize your website for interactive discovery.

4. Loyal customer relations – Find the right balance between giving too much and not giving enough. You want real Gen-Y customers who spend money-not fair-weather fans out for a freebie.

5. Traditional notions are unpopular with the Millennials; they prefer cheap cost, good quality, and a product experience.

6. The Gen Y is transparent and narcissistic; your marketing message needs to be the same.

7. Shed your corporate image and develop brands specifically targeted to the Gen Y expectations and millennial expectations.

8. Finally, understand that the Gen Y is politically, competitively and philosophically neutral, they are unlike anything you have encountered in the past.

9. Gen Y’s like music (concerts), extreme sporting events (snowboarding, etc), outdoor venues (hiking), movies and video art experiences, tattoos (36% have at least one).

10. Don’t forget to include the Hispanic culture as part of your marketing strategy.

Consider what companies have been successful in marketing their product or service to the Gen Y: Apple, Trader Joes, Red Bull, Jet Blue to name a few. These companies provide a good product or service at a cheap cost. Look at their marketing campaign and consider the dynamics of their message and presentation, for example, Apple hit the nail on the head with $.99 music downloads.

So what does all this mean to you?

It means that you cannot directly market to them until you buy into them, until you value their perspective on life even though it is radically different than what we are used to seeing. So while other experts are out there giving you “tricks” to market to Gen Y, I’m here saying STOP marketing to them and START listening to them. Understand their unique culture, accept it and hang out with them. Experience life with them. Respect them. If you do, their outlook on life will change you and your company. You’ll begin to behave differently, take on some new values, and begin to live more yourself. When you do that, you’ll find your audience within this gen Y demographic.

Snowboarding and Skiing Goggles – Choosing the Right Pair For the Mountain

Choosing your Ski and Snowboard Goggles – Learn how to pick the right pair for the mountain.

Eyewear is important when snowboarding. As you fly down the hill you can get ice, snow, and other debris, blown into your eyes. Finding a pair of goggles that is stylish and comfortable helps make a perfect day on the hill even better. A good pair of goggles can be as important as boots, bindings, or even the board. Here you can learn how to pick out the best pair for your time out on the runs.

Lenses for goggles have a wide range of features apart from is offered for the goggles. There are all kinds of different lenses for goggles; standard, polarizing, and photochromic lenses offer different options to consider when picking your goggles. If you’re going for the top of the line lenses, consider getting a pair of goggles with photochromic lenses. They change how much light is allowed in depending on how bright it is outside. They’re a great choice if you plan on skiing or boarding all day and late into the evening.

If you want to save a few bucks on a pair, try finding a pair with polarizing or standard lenses. Polarizing lenses do block out a bit of light, but they also provide much better clarity on the slopes than standard lenses. Standard lenses are a basic on the lower end goggles. They provide a protection against glare from the snow and water.

A day on the mountain can be tiring, and all the sweating can cause your goggles to fog up. Since you need good visibility when you’re shredding it up, ventilation is key to seeing everything around you. In addition to this, goggles now come with anti-fog coatings to prevent this. However, finding a pair of goggles with good venting to the sides, top, and bottom, will be the best deterrent against being blinded. If the vents are too big, it may cause too much air to move around your eyes. It may be colder on your face, but your goggles won’t fog up as easy. Finding a good balance will be the most comfortable.

Finally, since they’ll be resting on your face all day, good padding will make them more comfortable. The cheapest pairs you can buy may only have 1 level of padding, but in general, they’ll have two or even three. A good pair will form a seal around your eyes and face, preventing too much air from sneaking in and drying out your eyes. Goggles that have more layers of padding will be more comfortable on your face. Today’s high end pairs may even have 3 layers of padding. This means that no matter where it pushes on your face, you won’t have the pinching and pressure of a cheaper pair.

If you wear prescription glasses, than try searching for an oversized pair that can be worn over your glasses. Some companies sell pairs that are large enough to account for your prescription frames.

Generational Differences – Communication Guidelines

Successful workplace communication involves communicating effectively with members of each generational group. You might be interacting with team members, employees, vendors, or customers who are from a different generational group than yourself. To communicate successfully you must be able to adapt to the Traditionalists, the Baby Boomers, the Gen X, and the Gen Y.

According to figures reported by RainmakerThinking the 2005 workforce is comprised of the following percentage of workers.

o Traditionalists 7.5%

o Baby Boomers 42%

o Generation X 29.5%

o Generation Y 21%

Members of these various generations exhibit different sets of work styles and work standards, which can make communication difficult. To assist you and your team in communicating effectively here are some guidelines for communicating with individuals in each generational category.

Keep in mind, however, that while these guidelines are helpful and tell us something about these groups of people, not every individual in a particular generational group matches the stereotype perfectly. Keep in mind also that some individuals might fall within a certain category because of their age, but their thoughts and actions suggest that they belong to a different group.

Traditionalists, Born: 1922-1945

In communicating with Traditionalists you should generally…

o Appeal to the greater good

o Appeal to their sense of right/wrong

o Communicate formally

o Communicate face-to-face

o Communicate with computer technology with caution

Baby Boomers, Born: 1946-1964

In communicating with Baby Boomers you should generally …

o Emphasize fairness to all involved

o Use brainstorming techniques

o Communicate using face-to-face method or phone call

o Communicate more verbally than electronically

o Communicate with reference to the financial bottom line, when trying to justify a position

Gen X, Born: 1965-1976

In communicating with Gen X you should generally …

o Stress personal security

o Stress personal goals

o Stress task at hand

o Give advice through a mentor

o Communicate informally

Gen Y, Born: 1977 – 2002

In communicating with Gen Y you should generally …

o Communicate using full range of technology

o Expect constant feedback and reinforcement

o Share information using instant messaging, Internet, DVDs, MP3 players

o Focus on outcomes, not protocol

o Explain exact procedures

Practice these strategies for communicating effectively with each generational group and build bridges to better communication.

Putting On a New Pair of Goggles

Last week I wrote about a stodgy safety products manufacturer that dramatically increased sales of its  goggles  by studying fashion trends. I’m not suggesting we all start subscribing to Vogue, Glamour or Elle (although maybe that is not a bad idea). What we do need to do is start looking beyond the walls of our businesses on a regular basis.

Innovation doesn’t always require pulling groundbreaking ideas out of thin air. In fact, in today’s markets innovation increasingly comes from two sources: learning to see patterns where others don’t, and finding ways to adapt what others are already doing to our business models. For most of us, this requires expanding our sources of information, as well as stretching our brains to get us thinking differently and looking at the world in new ways.

Expand your sources of information

Over the course of a single year, the typical American reads 100 newspapers and 36 magazines, and watches almost 2,500 hours of television. We also listen to more than 700 hours of radio, buy three books and 20 CDs, and talk on the phone for more than 500 hours. And that doesn’t include texts, tweets, updates, pokes and all the other social media stuff many of us now do on a daily basis.

Sounds like a lot, doesn’t it? Maybe so, but for most people it comes from the same sources over and over again, especially in business. As leaders, we tend to gather data about our customers, markets, and industries while paying scant attention to what goes on outside our companies or industry.

To expand your data-gathering horizons, make a list of all your information sources according to the percentage of data they provide. Then ask questions like: How much time do we spend collecting information? What are our primary sources of data? Are these still reliable sources for our business or industry? What if we looked somewhere else?

Conduct a cold-eye review

Another technique forgaining fresh perspectives is to have non-experts research various aspects of your business. For example, have your CFO look at customer data, your head of manufacturing look at customer info, and so on.When done well, this “cold eye review” often finds the obvious (things previously missed because everyone is used to them) and occasionally finds the unique.

Cold eye reviewers can uncover unsafe conditions in a plant because workers stopped seeing the situation a long time ago. They can identify new applications for a current product because they don’t know what it’s supposed to do or not do. They can also uncover significant opportunities to reduce costs, cut cycle time, and/or dramatically shift processes because they don’t know about the way things “are supposed to be.”

Have your cold eye reviewer give a presentation that communicates their general approach to the review, the data found, a summary of key points, and any recommendations. Follow that up with any questions you might have, and a discussion of what is possible based on the data presented.

Stimulate your brain

In order to adapt ideas from other areas, it helps to loosen up our brains with the following techniques:

  • Go outside.Go outside your office, take off your shoes, and walk barefoot in the grass. Breathe deeply and just listen to the sounds. You’ll be amazed how these simple tactile sensations can take your brain in a whole different direction.
  • Stretch.I mean really stretch — first your body and then your mind. Stand up and lift your arms above your head. Roll your shoulders. Inhale and exhale slowly. Now pause and think about something from a different perspective. Ask yourself, “What if it could be different? What if there is a better way? Who have I met this week and what did I learn from them? How can I apply what I learned?”
  • Do a “walking sponge” session.Take a walk and try to absorb as many new ideas as you can. Turn off your thinker and focus on seeing, hearing, feeling and smelling.
  • Daydream.Let your mind wander. Instead of trying to think of an idea or solution, don’t try. Let your subconscious work on it for a while.

If these don’t grab you, just try something different. If you’re right-handed, use your left. Drive home from work a different way. If you bring a sandwich for lunch every day, bring a salad. Or better still, some kind of ethnic food you’ve never had before.

Trying something familiar in a different way just might loosen up your thinking and let you see the world in a different way. You’ll be amazed at what putting on a new pair of  goggles  can reveal to you (and you’ll look really fashionable doing it)!

The Future of Generation X

Generation X can be defined as individuals born between 1966 and 1975, though many people consider individuals born into the early to mid eighties as part of this generation.

As generation X approaches the advent of their retirement, there’s a looming sense of uncertainty. Is there a retirement? Probably not. In fact, Gen-Xers are earning a remarkably low income. The question is, what happened? “I try to remain in the present moment and not live in fear of the future,” says Vera Johnson, a Generation Xer. Vera nearly lost her home in 2010, just after the housing market crashed. This was during the recession, a time Generation Xers lost a large percentage of their income. It would be trouble enough if people like Vera were stuck with no retirement plan. Not only does Vera lack a retirement plan, she’s barely getting by.

Mortgage Payments

Generation X lost a lot of their wealth between 2007 and 2010. This information is according to a Pew Economic Mobility analysis. Prior to this, they were having troubles. In the early 2000s there was a 67 percent drop in the Nasdaq Composite Index. This was when a lot of Generation Xers were starting their careers. While most of them did not have money invested in stocks, the effect that this drop had on the economy impacted their businesses. Fast forward to 2007-2010 and Generation X is having a tough time with the housing collapse.

Student Loans

Amidst the turmoil of successive economic busts, student loans played an integral role in debasing the economic growth of Generation Xers. “Under the impact of successive booms and bursts, many Xers have struggled to afford a family or keep their home, much less do better than their parents,” says Neil Howe, co-author with William Strauss of books on generations in American history.

The average income for 35-44 year-olds went down 9.1 percent in three years, ending in 2010. It’s difficult to make payments on necessities like student loans if you’re given circumstances do not allow for fiscal growth.

The Value of Property

After the real estate crash, property values dropped as well. It’s no surprise, either. Primary residencies fell 21 percent. This means that a home that cost $215,000, went for an appraised value of around $170,000. This resulted in a shift of homeowners becoming home renters, which in turn resulted in many individuals missing out on potential assets.

The Job Market

One of the largest challenges for financial improvement is the limited growth in the job market. The effects of a market with limited growth potential are obvious. Without the generation of income, individuals will be unable to amass any kind of wealth. The impact on the economy? Well, Generation Xers who are out of a job or newly hired are likely to spend less. It will be necessary to save and store money. If the economy does not have individuals putting money into it, it will hurt. Therefore, it’s plain to see the rippling effect across the country.