In this series we will be highlighting burgeoning entrepreneurs in the modern era. These are folks who have taken the risk of quitting or working double to quit their conventional jobs in pursuit of their passions. This is a difficult road that many never find the courage to venture upon, but the rewards are so worth it, and as you know, no risk, no reward, know risk, know reward.
This episode highlights Derrick Casey. If you've never thought that making money online was real, Derrick will change your mind really quickly. Derrick is a proverbial paradigm shifter with a goal of helping as many people as he can use their talents, and their skills, coupled with his knowledge of online marketing to develop new streams of income and secure financial freedom. Glowing with enthusiasm and passion, read on to learn how Derrick is building new and innovative income streams for himself and others.
Tell Me A Little More About What You Do And How You Got Into It
I am an online marketing consultant, mentor and motivator. I simply teach people how to create an additional income online. There's a lot of misconceptions when it comes to network marketing and direct sales. It's not something that you see or hear of everyday. So the perception is that this industry isn't real or it's a pyramid scheme or a scam. Although there are some pretty crazy stories of companies who fall under this category. It doesn't mean that the whole industry is tarnished. And I am determined to show people that what people get paid to do online. We've been doing for free for many years. I've always known about network marketing and I've tried a couple things that didn't work out for me. It wasn't until me and my family moved to Dallas, TX that network marketing became a big part of my life. I began to connect with people who were just like me. Tired of working hard every day. Living paycheck to paycheck just to pay bills. And I started to see more and more people working less hours, making more money, and being able to spend more time with their families. Which sounded way better than working 40 plus hours a week, being stuck in traffic, and living paycheck to paycheck.
Do you Remember Your First Day? What Were You Feeling?
I felt super excited, anxious, nervous. Just full of emotions because I didn't know what to expect. But I knew I wanted the lifestyle of the people that I was surrounded with now. I remember just staring at my computer when I first received my information. And all I could do was smile because I knew I was doing something that could absolutely change my family's life for the better. Then I was invited to my first event. And from that moment on I knew that I wanted to learn more, earn more, and teach others how to gain financial freedom.
What Were You Doing Before? Why Made You Want To Try Something New?
I'm still working a full-time job. In sales, of course. I love what I do, the people I work with and the company I represent. However, I totally understand that these JOBS are not guaranteed. And I am taking a huge risk if my only source of income is from my job. Because what would I do if they were to let me go tomorrow. How would I provide for my family? And this very thing happened to me not too long ago. My job was redoing their budget and decided to let me and many others go just to save money. They didn't care about how I was going to provide for my family. However, due to learning how to generate an additional income online while working my full-time job. I was still able to provide for my family while searching for a new job.
How Do You Balance Your Time?
Working a full-time job, taking care of my 4 beautiful children and wife while running an online business can get a little crazy at times. But I am able to manage. On my way to work, I am always listening to motivational speakers to start my day off right. From Tony Robbins to John C Maxwell. Great way to start the day. I work my typical 9-5 shift. While on my drive home, I am listening to something motivational to help me debrief after a long day at work. Once I get home, my children and wife are waiting for me. So from about 7pm – 9pm I eat dinner with the family, talk about how their day went. Play with my children. Get them in the shower. Read them books. Then put them to bed. From 9pm-10pm I catch up on all of my messages that I received throughout the day. From 10pm-11pm I spend some quality time with my beautiful wife. Then it's off to bed to start my day all over again the next day.
Tell Me About Your Business?
My business is very simple. Since there are millions of ways to make money online. I focus more on teaching people the basics of marketing online via social media. And how to connect with people. Once you learn the basics of marketing online and start to apply what you've learned. Sky's the limit to what you can do and the amount of money you can make in this industry. I decided to create a company called Pyramid Genius. And my slogan is "Changing Lives Financially with these so called Pyramid Schemes". I wanted to create something that created a little controversy but made people more curious about what me, my team, and my company represents. Once people say the magic words "What Do You Do?" Then we got them. Because most people are just misinformed. And my team is excited to break down the value of creating an additional income online. With Pyramid Genius, we love to have fun, make money, and make a difference.
How Much Time Per Week Would You Say You Dedicate To Your Work?
I dedicate approximately 10-15 hours a week to my business.
What Else Do You Like To Do With Your Free Time?
In my free time I love spending time with my family. Getting out of the house and going to do something fun. I also love playing basketball when I can. I also love playing piano and making music with my children. But my new found passion is becoming a motivational speaker. I love connecting with new people and learning about their journey. And inspiring them through my own life experiences. It's such a great feeling when people come across my videos and hit me up saying thank you for content that I share every day. I am just enjoying life and want to give back. Oh and I love to cook in my spare time. Preferably on the grill.
What's Next For You?
Becoming a motivational speaker. I love inspiring people. I want to be on the big stage in front of thousands of people. Sharing my story and impacting lives. I have so much to offer and so much to give. God has blessed with the opportunity to connect with people on so many levels. And it's time for me to put it to use.
Any Advice For People Wanting To Follow A Similar Path?
In order for things to change. You have to change. And to have things that you've never had. You have to do things that you've never done. It's inevitable that we will all die some day. It's what you do with your time while you're on this Earth. What legacy will you leave behind for your children to follow. If you want something bad enough. GO GET IT!!! Once you realize that no one on God's green Earth can stop you from being great but you. That's when life will begin to make sense. You are more powerful than your mind let's you believe. You're time is NOW. Not tomorrow. Not next week. Right NOW!!! Time to take action. And make it happen!!!
Interested in learning more and working with Derrick? Click here...
It's easy to forget that the presidency of the United States is a government job just like any other–in that it comes with a stipulated salary and benefits.
But regardless of their bombastic rhetoric or self-serious public image, politicians are like all other government employees. The president, vice president, and legislators earn an annual income from the government in exchange for their duties, which include: executing/circumventing the law, upholding/withholding the civil liberties of American citizens, and legislating/sabotaging how societal institutions meet the needs of citizens, from healthcare to education.
If you've ever wondered what American politicians earn for all their hard work arguing across the aisle and starting Twitter feuds, look no further:
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Maybe you've had a high stress occupation before, like social work or stock trading, and fell victim to the high burnout rate of these kinds of jobs.
Or maybe you're just starting your career, and looking for something that won't take over your life but will still provide you with a good living. Whatever reason you have for looking for a high paying, low-stress job, you've come to the right place. We've compiled a list of the top 5 jobs that promise a solid paycheck without taking too much out of you.
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- High-paying low-stress jobs - Business Insider ›
What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.
When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.
Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.
Federally backed mortgages include:
- Fannie Mae
- Freddie Mac
- The Federal Housing Administration (FHA)
- The US Department of Veteran Affairs (VA)
- The US Department of Agriculture (USDA)
Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.
Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.
Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.
Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.
At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.
Possible Repayment Options:
You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.
Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.
Regular payment: $1000 per month
Reduced payment: $500 per month
Payment after forbearance period: $1500 (until caught up)
Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.
Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.
The Next Steps:
Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.
Have questions ready to ask. Here are some questions you should be asking:
- What fees are associated with the forbearance?
- What are all the repayment options available to you at the end of the forbearance?
- Will you be charged interest during the forbearance period?
If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.
For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.