LET YOUR MONEY GROW

There is one simple thing that separates the rich from the poor – this one principal is the reason the rich build more and more wealth, and the poor get even poorer, and traditional streams of education fail to teach our youngsters meaning most are faced with having to figure it out for themselves… and most never do.

But first, let’s look at defining the problem in simple terms so we’re all on the same page – what’s needed is some basic definitions of common terms that are often misunderstood.

One of those big problems we face as a society in this modern age is debt. More specifically – bad debt.

There are two types of debt you can have – good debt and bad debt. The difference? Well, the simple defining difference is that bad debt is credit you obtain and then use to purchase liabilities – or several liabilities. This could be taking out a loan for a new car, or purchasing this years holiday on your credit card. Good debt is credit that you leverage in order to purchase assets – this could be taking out a mortgage to purchase a rental property that’s going to return you a second, almost passive income.

The first thing we should probably clear up is the definition of an asset and a liability – they are not what most people think they are! For example, the house that you own and live in – is it a liability or an asset? Let’s make the assumption that you’ve been lucky to pay off your mortgage and you own it outright – how would you answer that question bearing that in mind?

Most people believe their home is an asset – especially if they have no mortgage on it. How can it be a liability when I haven’t got any credit to support it’s ownership and I have a store of value in the property’s equity? Well, according to Rich Dad Poor Dad, the simple definition of a liability is something that costs you money to own, and an asset is something that you own that provides an income over and above the expenses incurred to own it.

So, in the case of your house, unless you’re renting it out and making a profit, it’s a liability – it costs you money to own it and live there! You pay water and electricity bills to keep it operational, you pay council tax for the pleasure of it existing within a certain jurisdiction, and you probably pay insurance to protect the potential downside. If you’re not charging rent to someone to live there over and above YOUR costs then it’s costing you to own it. It’s worth mentioning also that if you rent it out but don’t make enough from the rent you’re charging to cover the expenses then it’s still a liability – the defining difference is whether it achieves positive cashflow or not.

Hold on, I hear you cry, but I don’t have a mortgage and I can sell my property for hundreds of thousands of pounds if I wanted to so it’s an asset because when I sell it I’ll make lots of money! Erm, not quite. You see, you only realise the paper value stored in a property like that once you sell it… and you can only sell it for what someone is prepared to pay. For example, you might have been unfortunate in a relationship and going through divorce where you need to sell quickly – you’re a highly motivated seller, and there are no buyers in the market for your type of property who are prepared to pay what you want to sell it for. All of a sudden, the value in your assets diminishes considerably simple because of someone else’s perception of value.. which could be drastically different to yours! You only realise the value in an asset like that at the point of sale, and there’s no guarantee you’ll find any buyers at the time you’re looking to sell, and there’s no guarantee that if you find a willing buyer that they’ll want to pay what you think it’s worth. This doesn’t sound like a very reliable asset to me – especially given the potential return can so easily change based on multiple variables that are completely out of your control. Yes – you might sell and make a profit, but you might equally have to sell at a loss, and you won’t know which it’s going to be until the point of sale.

Now that we’ve clearly defined good and bad credit, and the definition of an asset and a liability, let’s have a look at the key problem most people face when it comes to finances – financial education.

The one key difference between the rich and the poor is this; the rich know how to master their money and create assets that provide multiple streams of income – more simply, they understand the art and the science of putting their money to work in a way that means their money makes them more money without the controlling person having to exchange time for more money.

But this is exactly the opposite of what we’re taught in school, where the focus is on finding a skill, becoming qualified, and then finding a position where you can exchange your time for money for the rest of your life.

Okay, but what’s wrong with that?

Well, nothing if that approach aligns with your values and allows you to achieve your goals in life. However, the key limitation with this approach is this – you only have 24 hours in a day like everyone else, so what happens when you reach a point where you’re exchanging all those hours for an hourly wage? Well, when there’s no more hours in the day to exchange, you’re not only burnt out and unfulfilled because you have no time to direct towards the things you love in life (let’s face it, most people are far from doing a job they love), but you have now hit your earnings ceiling. How do you earn more when there’s no more time to exchange? This is the key limiting problem with this approach.

Yes, most of us will have to start with this inefficient exchange in order to generate our first income, but it’s what we do with the fruits of our labour that really defines where we’re going to mature into wealthy people or poor people. For those of us who have been lucky enough to have some financial education, we start to do things with our money that let it grow all on it’s own. For those who don’t, they spend all their spare money on holidays, new gadgets, and toys – aka liabilities!

This behaviour sends us into a downwards spiral that can be extremely difficult to get out of. You earn money, and use that money to buy liabilities. Those liabilities increase your monthly outgoings, meaning you have to exchange more time for money to increase your income so you can continue to service the new liabilities you have purchased. You increase your income further so you again have some surplus (but you’re now working 12 hours days and barely seeing your family), and then you use that surplus to purchase more liabilities… and so the vicious cycle continues. Can you see now why this behaviour is so destructive to people’s finances? Can you see why we have such a problem with bad debt these days? All because financial education is considered unimportant by our educational institutions. This needs to change, and this change starts with you educating yourself, so you can go on to educate others and set the next generation up for greater levels of financial success.

So, how do the wealthy grow their money?

There are multiple strategies people use, but they can all be classed as one form of investment or another. You could invest in stocks and shares that not only appreciate in value but that pay you a dividend throughout the year whilst you own them. You could invest in the wild west market of crypto-currencies and benefit for the massive bullish gains we’ve seen in those markets in recent years (I was trading Bitcoin at $900 at the start of 2017, and it’s now broken right through $10,000 – all in under 12 months). You could put your money into cash-flowing investment properties, or you could either start your own business or invest in one.

There are so many strategies you can employ to make your money work for you, rather than you working for money. All it takes is the commitment to educate yourself in whatever vehicle you choose and get started.

I’ve written several blogs on trading and investing that you can find by searching those tags so please feel free to check those out to get some more information on these strategies – there’s also loads of great resources on-line, but there’s also a lot of shit. Be careful and do thorough research from reputable sources.

You can also join my trading education group on Facebook by clicking the following link: LG Trading

You can find some of my trading and investing blogs at the links below:

• Trading: The Basics

• Understanding The Stock Market & Trading

• Financial Wealth: What, How & Why

Enjoy! Please drop me a comment if there’s additional content you’d find value in me covering on this subject!

Source: https://littlegreysays.com/2017/11/29/let-your-money-grow/ 

SUSTAINABLE GIVING FOR BETTER LIVING

ARE YOUR DONATION DOLLARS MAKING LONG-TERM POSITIVE IMPACT?

The secret to living is giving, but what are the best ways to give? Maybe you volunteer or make regular donations. But does this help create systemic change or solve the real problems creating poverty and need? What are sustainable, productive ways to help others surpass their need for outside aid and thus, in turn, start giving back to others?

To put it another way, one persistent problem with charities is that if they succeeded in their missions – as in their clients no longer need what they have to offer – they then put themselves out of business. Worldwide conversations about unconditional basic income and government subsidies raise questions about creating dependency. But to assume people need help because they are lazier or less motivated than others is a mistake.

Take these three models of giving, all aid types that help people break free from the cycle of poverty, supporting the creation of lasting change in their communities as a result.

DIRECT GIVING

Evidence has been mounting about the effectiveness of cash aid over traditional aid to the poor, such as food or seeds, for years, reports NPR. But evidence and data still must fight against preconceptions about what aid should look like.

Today most aid comes as “in-kind” donations, meaning the aid providers decide what poor people need most, whether that’s schoolbooks, certain foods, or other assets. But what happens when the people who need help decide what they want to spend money on?

A recent study in Zambia looked at how people spent cash they were given with no strings attached through two government programs. They found the cash had an incredible multiplier effect. Household spending increased by over 50% more than the government aid. In other words, if someone got $150 from a program, that same year they spent $300 more than they had before. People used their free money to make more money, boosting the overall economy as people spent their money at local shops and businesses.

With such incredible returns, scaling this program seems like the logical next step. Yet persistent beliefs about who should get aid – the elderly, people who can’t work – instead of able-bodied people living in poverty means this particular initiative is only growing slowly.

Other organizations like GiveDirectly have also found lasting impact from single-time donations to poor people with no strings attached. People often use the money to start small businesses or invest in their children’s education, leading to lasting improvements in their quality of life.

TRAINING INSTEAD OF DONATING

Other initiatives strive to create local job opportunities through training programs. Warby Parker’s “Buy a Pair, Give a Pair,” works through this model. Instead of donating frames to communities in need, the company partners with organizations like VisionSpring to train people who then sell ultra-affordable glasses.

The benefits here are twofold: people who sell the glasses can earn a living and people with untreated vision problems can get back to working and learning now that they can see. VisionSpring calculates that glasses can increase a person’s productivity by 35% and their monthly income by 20%.

FEEDING TO FUEL CHANGE

What about need in the USA? Food insecurity (a lack of consistent access to food to support an active, healthy life) impacts an estimated one in eight Americans; that’s 42 million Americans, including 13 million children. Without consistent access to food, it’s difficult for people to live productive, healthy lives. But feed someone and they have the energy to live in a high quality way.

“In this country we have a large empathy gap,” explains Diana Aviv, chief executive officer of Feeding America. “A lot of people think that because we have a low unemployment rate, at the moment, that the problem of hunger is poor people are lazy and anybody can get a job if they like. That’s just not the case. Well over 50% of the people who are part of our system are kids, seniors, peoples with disabilities or working families.” Feeding America fights to end hunger with their national network of food banks and meal programs, aiming for a hunger-free America. It’s why Tony Robbins himself supports their cause so strongly, with annual 100M Meals challenges every year where he matches all donations – with the goal of providing one billion meals by 2025.

TAKE SUSTAINABLE ACTION

Ready to add your contribution and help make lasting change? No matter how you give, do your due diligence to see how the organization manages its resources. Charity Navigator and GuideStar both give you a closer look at how organizations use your donations. The best organizations are transparent about their contributions and expenses as well as their vision for breaking the cycle of dependency, improving life for us all.

Source: https://www.tonyrobbins.com/leadership-impact/sustainable-giving-better-living/

When money isn’t real: the $10,000 experiment

Adam Carroll talks about his $10,000 Monopoly game with his kids and how to teach finance management in a cashless society.

Saving for the Future While Paying Off Debt

Check out this short video on how you can save for your future and repay your debts!

Money vs Currency - Hidden Secrets Of Money Ep 1 - Mike Maloney

In this first episode of the Hidden Secrets of Monday series, Mike Maloney talks about money vs currency.

Are they not one and the same? Check out the video to find out!

The Monetary System Visually Explained

Ever wondered how money works? Seems a bit daunting sometimes doesn't it?

Here's a great explanation!

So You Think Money is the Root of All Evil?

Have you been guilty of this? 

What's the basis for saying that money is the root of all evil?

Is it money itself, or the people behind it?

10 Ways to Guarantee Prosperity - Grant Cardone

The one and only Grant Cardone on 10 ways to guarantee prosperity!

Can you afford to NOT watch this? Let's us know which is your favourite in the comments below!

Why Boomers Will Continue to Struggle

Written by Andy Tanner | Friday, February 16, 2018

Read time: 2 min

How much does a retiree really need?

Headlines such as this break my heart: “With $15 Left in the Bank, a Baby Boomer Makes Peace With Less.” But I predict that we’re going to see more and more like this in the coming months and years. That’s because the problems with retirement age people are bigger than anyone imagines.

This story is merely a collection of symptoms of the bigger problem. It’s the story of Kathleen Wolf, a woman trying to do the best she can. She has spent many decades living and working in Monterey, California. She built a very happy and prosperous life there. But with the subprime meltdown, her considerable wealth in real estate disappeared almost overnight. It didn’t take long for her bank balance to reflect that she had just $15.

At that point, Kathleen was facing a very different retirement than she ever imagined. Instead of enjoying a comfortable California lifestyle, she made a difficult decision to declare bankruptcy and move across the country looking for an affordable lifestyle in Iowa.

Kathleen says the weather is not as good as California, and there aren’t any yoga classes in her new town of just 700 people. It’s not how she envisioned her retirement. But she’s hopeful. It would be interesting to check in with her in another ten years to see how she’s doing.

I wish the very best for Kathleen. But with a very limited amount of money in the bank and expenses that will continue to grow, it doesn’t look good for her.

Here’s The Real Problem Most Retirees Don’t Understand

The vast majority of people will retire with palm trees and sandy beaches in their dreams, but they’ll be shockingly unprepared to enjoy it. That’s because when you retire, you will probably have a big fat zero in your income. You might have a little bit of a pension, and maybe a little bit of social security.

“But Andy, what about the money in my 401(k) account? And what about the equity in my house?” It’s nice to have those things, but the Federal Reserve shows us that the average net worth of Americans nearing retirement is just $168,900. That’s lower than any time in recent history, even lower than it was back in 1989! Even if someone were to liquidate all of their 401(k) money and sold their house, that $168,900 would not last for very long.

We haven’t even discussed expenses yet. Over time, how often do expenses go down over time? The answer is simple – NEVER. Not only do the expenses keep coming in, they keep growing. Your utilities get more expensive, your food gets more expensive, clothing gets more expensive, the gas for your car gets more expensive.

The Answer Is Simple

Sometimes the most obvious answer is the right one. When your income disappears at retirement, what if you could replace it with a new source of income? Or even multiple sources of income.

That’s what the rich do to ensure their ongoing level of lifestyle. They learn to buy assets that contribute to their income by sending new cash flow into your account. And they avoid buying things that suck your wealth dry with heavy expenses. Because when you learn to create passive income, you won’t be forced to cut corners like Kathleen. You will be able to live well and enjoy your dream retirement.

So much of retirement advice in the 401(k) world revolves around the phrase “how much do you need to survive.” It’s a conversation of survival rather than abundance. That’s why I encourage people to buy real assets, to start a business, and to go for their dreams and live in abundance.

Don’t make aim for making do with less – aim for MORE.

HOW TO BUY HAPPINESS

Legal Disclosure: Tony Robbins is a board member and Chief of Investor Psychology at Creative Planning, Inc., an SEC Registered Investment Advisor (RIA) with wealth managers serving all 50 states. Mr. Robbins receives compensation for serving in this capacity and based on increased business derived by Creative Planning from his services.

Is your money really serving you? Does it make you happier? Are you using it to lead a more fulfilled life? If you answered no to any of these questions, take heart, there is hope. Because the science says money does bring you happiness – if you use it right.“It’s the hap, happiest season of all,” the crooners sing. But is it? As much as we try to make loved ones our focus at the end of the year, the subject of money always seems to be lingering in the background. Whether you’re keeping a running mental tab on what you’ve spent on the holiday festivities, you’re waiting to hear if you got that raise or bonus, or you’re determining your end of the year giving, chances are you’ve got your mind on your money and your money on your mind (as Snoop Dog would say).



Image©All in all/shutterstock

HIT YOUR TARGET

Happiness is correlated to income, but only up to $75,000, according to a highly publicized 2010 Princeton study. So what does this mean? According to the research, people reported having a greater “emotional well-being” based upon income up to $75,000, after which the level of happiness evened out.

Essentially, this study quantified what we instinctively had guessed – that money alleviates the stress of providing our most basic needs. In other words, $75,000 of annual income buys peace of mind. Meanwhile, low income intensifies the emotional strain of the trials of life like medical emergencies and divorce, causing compounded pain from financial insecurity.

In fact, one study concluded that income could actually reduce the incidence of serious mental illness. “We know from the results that changes in family income are important drivers of people’s emotional lives,” said David Clingingsmith, author of the paper and associate professor of economics at Case Western University.

What does this mean for you? Well, if you’ve already hit that $75,000 threshold and you’re not happy, it means you just need to learn how to spend effectively. Keep reading! If you haven’t hit that target yet, first things first: you need to get to know your numbers. Implement a spending plan and take massive action to get your financial security in place. Just having an emergency fund that covers your basic needs for three to six months will alleviate the little voice of panic inside you (or your partner) that constantly questions what will happen if a crisis occurs.

However, the science says that no matter where you are at in your financial journey, spending your money in these ways will bring you more satisfaction in life.



Image©wavebreakmedia/shutterstock

3 WAYS TO SPEND MONEY THAT WILL ACTUALLY MAKE YOU HAPPIER

SPEND IT ON OTHERS – AND WITNESS THE IMPACT

As it turns out, science has upheld the maxim, “it’s better to give.” A Harvard study conducted across over 100 countries found that whether rich or poor, people who give to charity are happier. Perceived happiness increases even more when we can see the impact our gift has on someone.

Remember that moment when you gave someone a gift that you just…could…not…wait for them to open? As they opened your present, you searched their face for the delight that you knew that you put there by giving them a gift you knew they would love. Giving a gift that changes someone’s life or just makes them feel known and loved meets our deep need for love and connection, improving the quality of our own lives whilst improving another’s.



Image©Syda Productions/shutterstock

SPEND IT ON EXPERIENCES

Make memories, not purchases. Spending money on experiences makes us happier than spending money on material things for a few reasons.

For one, spending our money on experiences creates a connection with the people we shared that experience with – and those memories form a bigger part of our sense of identity than the things we buy. In fact, we remember experiences as better than they actually were. Alternatively, we adapt to the material purchases quickly.

ALREADY CONVINCED, BUT NEED IDEAS? HERE IS A LIST OF 7 “EXPERIENCE GIFTS”WE PUT TOGETHER FOR THE HOLIDAY SEASON.

A paper from Cornell University psychology professor Thomas Gilovich showed that we also get more pleasure out of anticipating experiences than anticipating the acquisition of material things. There is a reason that those brilliant credit card commercials tell a story of purchases made to create a ‘priceless’ memory. It is the experiences that stir up your emotions; it is the experiences that they are selling.

Consider this: The two days your spend waiting for your Amazon Prime package to arrive doesn’t build the same kind of anticipation as planning and dreaming about that vacation to Belize does. You take the time off work, brush up on your Spanish, read travel blogs and more, all the while thinking about how epic this trip is going to be. And once it’s over, you’ll tell the story of zip-lining through the rainforest to anyone who will listen for the rest of your life.

Best of all, we don’t compare experiences quite the same way we compare our material possessions to other people’s. Teddy Roosevelt may have said it best when he postulated, “Comparison is the thief of joy.” But thankfully, keeping up with the Jones’ doesn’t translate to experiences the same way it does to things. Sure, the Instagram pics of your college roommate’s family trip to Hawaii may give you travel envy, but it doesn’t diminish the joy you experienced camping in Yosemite with your spouse.

Although it may be easier to prioritize buying material goods, thinking they’ll offer better value for money in the long run, psychologists tell us that the opposite is true.



Image©Dragon Images/shutterstock

BUY BACK YOUR TIME

Studies also show that we are happier if we buy back our time. Wait, isn’t time the one thing money can’t buy us? As it turns out, no. Time is one of the most important things money can buy, precisely because it is such a valuable resource.

As the author of Happy Money: The Science of Happier Spending, Professor Elizabeth Dunn, suggests: “Don’t buy a slightly fancier car so that you have heated seats during your two-hour commute. Buy a place close to work, so that you can use that final hour of daylight to kick a ball around in the park with your kids.” A University of Zurich study agreed, citing that you would need a 40% raise to offset the added misery of a one-hour commute.

But it’s not just time sitting in traffic you can buy back. What would you be willing to give up to gain back the time you spend cleaning your house? Pack your lunch a couple of days a week and you may find that house cleaner is suddenly within budget, freeing up those precious hours.

This is especially difficult for those of us from hard-working families who were brought up to do things ourselves. Sure, we can change our own oil, but is it the best use of our time? Will it bring you joy? If so, have at it. If not, reconsider what your time is worth and spend accordingly.



Image©Fotovika/shutterstock

TELL THE RIGHT STORY

Finally, your happiness is ultimately determined by the story you tell yourself. What is the story you consistently tell regarding your finances? Is it empowering you or limiting you? Is your story making you happy? As Tony Robbins says, “Change your story, change your life.”

On your journey to financial freedom, be sure to cultivate gratitude. One of the main reasons that collecting more things doesn’t make us happy in the long run is because we adapt quickly to it. Sonja Lyubomirsky, psychology professor at UC Riverside, says,” If you have a rise in income it gives you a boost, but then your aspirations rise too…You’ve stepped on the hedonic treadmill. Trying to prevent that or slow it down is really a challenge.”

Consciously fostering gratitude is key to maintaining joy. 

Wherever you are in your financial journey, may you find joy this holiday season.

Header image © Rawpixel.com/shutterstock

Kellie Colunga
Source: https://www.tonyrobbins.com/wealth-lifestyle/how-to-buy-happiness/

Watch These 62 Minutes If You Need to Make Money in the Next 24 Months |...

If you're serious about changing your financial situation in the next two years then you need to watch this!

Some Nuggets on How To Be Rich

Everyone no matter their age, they all want to know how to be rich, how to hack life and make it financially. The significant driving force has been the perception that wealth or money means everything or can buy you all and make you happy. Millions of books have been written since the ancient times and yet you will find yourself looking for more and hopefully direct and easy ways around how to just make it. Well, you did great reading this article since you will see that most of what you need to make it you already have it.

Most young people just want to hack life and make it all at once without that effort nor patience of learning. This has created severe habits such gambling and fraud as a means to get rich quick. The other vice that has risen due to the elusive fact that all can make it is a generation of desperate and drug-addicted youths who believe that their fate is already sealed. This article is a wakeup call and a call to action to drop page thumping and expecting to find that one magical trick. You are all that you need.

How to start.

To begin with, by reading this means that you are ready and willing to make something out of yourself, get your head straight now and acknowledge that you have a working brain and a desire to make it.

The second move is to dream and make sure that you do not just imagine. The moment you can visualize anything in your head means that you can be able to make it happen for real.

Go ahead and write down your plan and evaluate how you are planning to achieve that. This, therefore, has to begin with small ideas and seeing them through. You cannot start planning for a Ferrari, and you do not own an account even. Start small and be patient to look at the fruits of your hard work.

Patience as a value comes in hand even when managing your wealth later in life. You have to carry out planned and well-calculated risk and wait patiently and trust in yourself that it will work.

The other thing is growing some balls because the moment you start investing you will have to be ready for risks and failures. Do not dwell on the failures instead move on and have better plans, do not lose focus but keep the desires, and all will work eventually.

Lastly, when you start making something, reinvest and work to grow bigger. Instead of celebrating and blowing up everything take it back and let it grow. Always have the mentality of safeguarding the capital you input at any time and then re-invest the profits for growth.

Conclusion.

The smart ones only win the money game and wealth creation. By accessing such information, you have been made smart, and that means you can go forth and grow yourself to whatever level you want.

You can always find more interesting articles here or hire my writing services. Reach me via mikiepirate12@gmail.com

Article Source: https://EzineArticles.com/expert/Mike_P._Egan/2437440

Article Source: http://EzineArticles.com/9875782

Top 10 Ways to Earn Passive Income I'm doing it right now!

How many income streams do you currently have?

If you think of your financial stability like a table with it's legs, and your different income streams are the legs. What happens when you only have one income stream, like so many? Your financial situation begins to feel a little unstable doesn't it?

What would happen if that single leg broke? This highlights the importance of having multiple streams of income to support you.

The History of Money Revealed

Throughout history a many variation of things have been money. Before the invention things like livestock, rocks, shells, beads and metals like gold and silver were all forms of money. In fact, in ancient time's people physical exchanged goods directly for other physical goods. For example, if I have fish but needed coconuts and in turn you had coconuts but needed fish, then there would be a mutual agreement between us and a transaction could be made. This way of carrying out exchange was known as the barter system.

The barter system however, brought with it some challenges such as double co-incidence of wants. What if we both needed coconuts? Also, there was no common measure of value and no medium to measure the value of goods so who decides if your coconuts are actually more valuable than my fish?

Commodity money was then created to address this concern. A commodity is a basic item which can be used by almost, if not, everyone. Things like seeds, tobacco, tea, salt and even cattle were considered commodities however, carrying bags of these items over a period of time proved to be extremely difficult... especially trying to carry cattle! There were three main functions to money in these days: money must be a medium of exchange, a unit of account and, a store of value. Although these commodities were considered to be mediums of exchange it was difficult to consider them units of account and given that these commodities were also perishable items they could never truly be considered to be a store of value either.

Then came the introduction of coins and paper money. However, according to Wikipedia 'due to the complexities of ancient history and because of the fact that the true origins of economic systems actually precedes written history, it is impossible to trace the true origin of the invention of money'. That-said, metal objects were introduced as money because metal was readily available, appeared easy to work with and, was recyclable. Countries around the world were minting their own series of coins with specific values making it easier to compare the cost of various items. Some of the earliest known paper money dates back to ancient China, where the issuing of paper money became common from about AD 960 onward.

Paper money began, what we would call in today's generation, trending. Nations around the world today all use paper money. Through the evolution of paper money has come a longer list of functions from the previous three. Money must continue to be a medium of exchange and a unit of account however, it must also be portable, durable, divisible, and fungible, which means the dollar in your pocket is worth the same value as the dollar in my pocket. Money has always maintained that it is a store of value however, this is where things begin to turn a bit grey.

Why?

Consider that $100 US dollars from just a decade or two ago purchased a lot more goods and services than it would today. The same is true for the euro, the pound, and the yuan. All around the world the money of many nations are suffering what is known as devaluation meaning year after year our money is buying less and less. How then can we maintain that paper money is a store of value?

People all over the world today seem to be working harder for money that is continuously buying less. So, just like the barter system could not be maintained as a viable way of trade, the current system we use on a global scale has also become a broken one. In all parts of the world we have one major inherent problem and that is that our money does not maintain its value.

There are ways to solve this problem just as our civilization found ways to solve the barter and commodity system. Take the time now to educate yourself on how.

Click Here!

As an independent insurance advisor and income protection specialist, Ryan has been providing clients with customized personal insurance and financial solutions through disability, life, critical illness, long-term care, and other personal insurance products while providing strategies for hedging income and preserving wealth through physical gold and silver acquisition.

Article Source: https://EzineArticles.com/expert/Ryan_D._Forrester/2093018

Article Source: http://EzineArticles.com/9859627

Money, Master the Game. Anthony Robbins

Tony Robbins is a genius in so many ways, and his book on mastering money is a must read!

Learning to invest is critical for building wealth!

Money - How Do I Get It Effortlessly?

How does one turn their own money facets on? Is there such-a-thing as a money facet? When most non-rich people think of money, they think of money from a few self-limiting beliefs. For example, some non-rich people think money is the root of all evil. In thinking this way, do you think their deep brain (the subconscious a vastly powerful thing) would allow lots of money to show up into their lives? It can't. And they won't let it! Are getting the idea that some of your extremely powerful subconscious beliefs (your deep brain programming) of yourself and others are your governing wheel?

You might be wondering, why did the non-rich people do that? That is an excellent question. To answer this question in a way that will gleam the information required for you to begin transcending your own self-induced "non-rich" deep brain programming you must begin to realize who you really are and how interconnected everything in life really is.

Accordingly, I must first introduce the absolute fact of the absolute power of your own personal thoughts, aka your own thinking, aka your present beliefs, aka your present judgments. If you take time to think about it, most people never give a thought to their constant and instantaneous everyday thinking about their life and what's presently in it and what's presently not in it.

I certainly can't convince you in this short article about your infinitely powerful thoughts; however, I can if you'll permit me to, to begin building the undeniable case for such an outrageous statement, as an actually very true statement that your thoughts (your beliefs) create your present experiences and results.

Most people have heard the saying "Mind over Matter" and "It's the thought that counts," and, in these same cases most will tell you that they believe it, and at the same time, they'll go right back into their lives continuing to habitually think the self-limiting and self deprecating thoughts that got them their results in the first place.

In other words, they do not have a clue that their present habitual thinking is exact cause of every thing that they are experiencing in their lives. How do I know this? I have been changing people's deep brain programming for the last 20 years and achieving outstanding results for these transformed consciously thinking beings people.

Here is some of the proof as to why you only need to change some of your current self-limiting beliefs to begin the process of attaining some of your desires, in this case more money.

For example, when you focus (think in a negative feeling producing way) on any subject that makes you feel bad (fear or worry or despair) inside; this is an extremely common example of self-induced limitation. Can insights come to you when your feeling stressed? By the way, all stress is self induced. And everybody knows what stress does to the body and their lives. But what's worst it makes these unwanted experiences root themselves into a person's life! There are many scientific studies that prove this over and over again throughout the world. For example, a Chicago study about impoverished trouble teens revealed these teens are 4 times more likely to die than their non-troubled teens counter-parts.1 At the same time, troubled teens who become entrepreneurs also became more successful than their rule abiding counter-parts.2 Why did some of these impoverished troubled teens make it through to success? They literally began thinking they thought they would. In other words, they stepped out beyond their fearful feeling producing thoughts and hung on to their hope and dreams of a better future. Hope is a much better feeling producing thought, it's the beginning of faith. And like any muscle it needs to worked out everyday.

I can't explain how this happens in this short article, all I can say is that your current concept and beliefs about yourself and your life are like walls holding you in place. I literally suggest you get a ladder and climb up it and look over those walls and never look back, except to say thank you to every person and experience that would like to leave behind. You can't change another but you can certainly be a light that they can follow if they chose to.

By the way, what does this "socially" accepted stress (negative emotions/feelings that occur in the body by your habitual negative feeling producing thinking) do to your body and brain, and you're your ability to hear or make intuitively good choices? In any case, I think you are getting the idea that what you habitually practice to think about your financial situations goes a long way in helping your future.

There's something even more important going on here. I am sure you already realize this but there's an eternal part of you (some call it God, aka Source, aka The Infinite, Higher Eternal Self, etc.) that responds to each and every thought and idea and judgment you think. And if you don't believe this, you will, when you hear about the 100's of scientific studies that conclude this fact of life that I reveal and mention in my book. Case in point, Albert Einstein, a brilliant world renown scientist, shared this timeless message when he was physically alive, "Imagination is more important than knowledge." He also said, "Imagination is everything, it is life's preview of coming attractions." What did he mean by these powerful statements? He meant that everything you worry about YOU move into your life in some way shape or form. If you are constantly worrying, which is using your imagination (the only powerful life creating process) about things or situations you don't want; you actually move yourself closer and closer to these types of unwanted situations and events. And the same is true for finding ideas or thoughts that make you feel wonderful inside, the opposite of stress.

Have you even seen a guy walking down the street talking with himself arguing, and thought to yourself, "he's crazy!" And the reality is; you actually have similar discussions with yourself in the hidden recesses of your mind. These exact discussions are literally forming your present and future experiences imagined or not!

And here's the kicker, your emotions, (positive feelings and negative feelings producing self-talk) lets you know instantly whether or not you're going to like the experiences when they actually shows up right in the middle of your life.

You have and always will invite your monetary situations into your life. Consequently, when you are habitually thankful and appreciative about the what you do have right now, you leave room for more to come to you, whether it's money or love. You at that time, will always be guided by inspired action to more and more wonderful experiences and abundance in life.

Whether you currently believe this or not, you have placed every wall and every good experience into your life, nobody else has done this for you; and hopefully now, you'll take the reins of your own life and guide it to amazing financial windfalls. In other words, it's time for you to take your rightful place as a loving co-creator of your life in this beautiful world we all live in. Walls fall when you look beyond them and hold your gaze their and when you do return them to where your presently at become more thankful and appreciative than everybody you know. It will dissolve your walls in miraculous ways. Enjoy the ride! And oh boy it is an amazing ride, when you know. You job now is to learn to know. Have fun and be light about this. And if you need help give a call.

1 http://www.wsws.org/en/articles/2005/12/cook-d01.html 

2 http://blogs.wsj.com/economics/2013/08/14/troubled-teens-make-more-successful-entrepreneurs/

How do we do that? For more information or questions or to reserve a spot on the waiting list to be cured of your stage 4 cancer or help changing your deep brain programming simply email us at PerformanceEnhancementTechnologies@mail.com And Dr. Olkkola himself will phone you in the next 24-48 hours and explain this process and what you can expect. Please be sure to have your blood cancers markers present and handy. You will be begin seeing "phenomenal" results in your first blood cancer marker tests two weeks after beginning a program with Dr. Olkkola, guaranteed. For more information now go to the website: Http://www.PerformanceEnhancementTechnologies.com Dr. Olkkola is helping others curing their cancer this very day with his Stay-At-Home programs, and he does have on site programs occasionally, when the waiting list grows large enough in the metropolitan areas of the U.S.A. and abroad. Dr. David K. Olkkola would love to hear from you. Dr. Olkkola is the immediate past MLF Personal Growth Chairperson (2008-2012) of the Commonwealth Club of California located in San Francisco, which is the oldest and largest public affairs forum in the United States (over 110 years old). Please feel free to purchase a copy of his new book How To Achieve Every Desire Effortlessly - The Hidden Science of You & Life Vol. 1 "It is simply a life changing experience." KH

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