Studies show that over 90% of North Americans will be living at or below poverty line by time they reach retirement age.

Are you faced with prospect of becoming one of these statistics?

So, you’re probably wondering what I’m trying to get at here.

Remember what I said about having powerful tools like computers and Internet at our disposal? And yes, it’s true, never before has it been more possible to start your own home business. Make a resolution today to look into starting your own home business. If you have already started, then congratulations! But you too should resolve to stick at it and follow it through to success.

If you don’t know much about computers – learn. If you don’t know first thing about marketing – learn. Building a successful home business all begins with education. Learn skills you need to gradually build your business. The Internet is FULL of information that will help you. And most of it is free!

Yes, it’s hard work to get things going and you will get frustrated at times. But it’s also a lot of fun. Compare this to job you are doing now. If you are like me, then I’m willing to bet there is no comparison!

I just realized as I was writing this article that I aimed it at Baby Boomers as I am one myself. However, same holds true for any age group. It’s never too late or too early to change direction in life. You just have to make decision to improve your lot and then commit to it.

So choice is yours. And it should be clear. Do you know which path you will follow? Do you know what my next move is?

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Dave Kendrick publishes a monthly newsletter "The Cruise Marketing Digest” His newsletter, like his articles aim to give advice and encouragement to people new (and not so new) to Internet Marketing.

5. Practice. Teaching our inner voice to speak well to us takes some practice. For most people it is an under developed muscle. Practice and your affirming voice will become stronger.

6. Clear vision. Hold a clear vision of what is possible for you in your life. Picture yourself absorbing positive affirmations as they become a part of you.

7. Write it down. Writing down positive affirmations helps your mind remember new statements.

8. Repeat them often. Repetition facilitates learning. The more often you say positive affirmations more they become a part of you.

9. Make them fun. Enjoy yourself with them. Laugh and hold out a sense of lightness.

10. Remember to be gentle. Remember that more you nourish and cherish yourself better able you are to live a life you love. Be patient and loving as you learn something new.