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Life is a game of time and money. A professional football game is made up of four fifteen-minute quarters and your working life is four ten-year quarters. The Game of Money Age Game Period 25 - 35 1st Quarter 35 - 45 2nd Quarter Retire Young Retire Rich! ------- Halftime ------- 45 - 55 3rd Quarter 55 - 65 4th Quarter ------- Overtime ------- Out of Time Will You Work Forever? People who did not have anything at the end of the fourth quarter may have to work for the rest of their lives, which may not be a bad thing as long as you are able to work . In fact, I believe working keeps us healthier and happier. I know because I retired at forty-seven and found it depressing ... which is why I keep working, even though I do not have to . ~ Robert Kiyosaki Do something you enjoy and you can work at for as long as you want to work at it. There will come a time when you will call an end to the working game and really want to retire and do not...

The example demonstrates the differences of how your money increases when invested in a mutual fund, a rental property, and a rental property where you borrow the appreciation every two years. Choices 1 and 2 are examples of people who park their money and choice 3 is an example of people that increase the velocity of their money. 20,000 Description Net Equity After 7 Years Average Annual Return on a $20,000 Investment Choice 1 Invest in a mutual fund that earns 5% a year $28,142 5.8% Choice 2 Invest $20,000 and borrow $180,000 from the bank for a $200,000 rental property and let your equity compound. Assume rental income only breaks even with expenses and the property appreciates at a rate of 5% a year $101,420 58.2% Choice 3 Invest $20,000 and borrow $180,000 from the bank for a $200,000 rental property . Rather than letting the equity compound, you borrow out...

Can You Handle The Truth? the truth is that life can be pretty cruel, if one cannot handle the truth. To make matters worse, most of these people who cannot handle the truth don’t even know what the truth is. Many believe that the money they’ve been putting in for years is still there, much like a private savings account. Most are unable to comprehend that the money they put in is actually gone, having flowed into an older retiree’s wallet. They do not know that if younger person doesn’t come in behind them and put money in the funds, they’ll be forced to face the truth that there isn’t any money in the kitty. Little does he know that the stock market is nothing but one big Ponzi scheme. In other words, if money stops coming in to the market, the money already in will rush out. With computerized high frequency trading (HFT), money can disappear at the speed of thought. What will it take for the economy to come back? Well, obviously, another Ponzi scheme… and that’s the truth. ...

What do Victoria Secret model Gisele Bundchen and billionaire Warren Buffett have in common? Besides fame, fortune, and investing smarts (yes, models have brains), they both hated the U.S. dollar... and may still to this day. You see, back in 2007, the catwalk princess refused to be paid in U.S. dollars. Bundchen requested she be paid "only euros" because, as Bloomberg pointed out at the time, the dollar "can only depreciate because Americans led by President George W. Bush are living beyond their means." Even Buffett could be heard laughing when asked about the world's best currency: "Not the U.S. dollar," he'd often say. Today Donald Trump is joining the anti-dollar ranks, having just accepted $200,000 in gold bullion for office space . And it may be one of the smartest things Trump has ever done, knowing that as long as Bernanke is Fed chief, gold will be a great investment moving forward. It's up to you how you want to tra...

Karl Marx defined the proletariat as a class of capitalist society that does not have ownership of the means of production. All they have to sell is their labor for a wage or salary. This is what our school systems do. Schools produce the proletarial class of a capitalist society. Schools do not teach people to be capitalists. Due to a lack of financial education, even the highly educated workers have their wealth siphoned off by debt via the banking system, their retirement via the investment-banking system, their labor via taxes, and what is left via inflation. If they own shares of a company, they own common shares - common shares for common people. The plantation system is alive and well, even in the Information Age. The Workers Class In Marxist theory, proletarians are wage-workers, trained - like Pavlov trained his dogs - to work for money. Our school system produces this class of capitalism, the proletariat class, a wage earner, a person who leaves school looking for a...

Most financial advisors say you can't predict the future. These experts claim you can't pick a market's top or bottom. And since you (or they) can't predict the future, they advise that you just leave your money with them for the long term. For most people, this is good advice because they don't have the financial education to know any better. But for those who want to get rich, understanding what the future holds is one of the best ways to gain an inside track towards wealth. The best way to anticipate what the future will bring is to study the past, or prognosticate. Robert's rich dad often said, "There's a difference between a fortune-teller and a prognosticator." That's why he encouraged Robert to take the study of history seriously because in studying the trends of the past, it becomes easier to see the potential patterns of the future. The times are rapidly changing, and if you want to be rich, your approach to money and investing...

For someone out of work, deeply in debt, and not earning enough money to make ends meet, it’s hard to imagine that the world’s problem is too much money. It’s like the old saying, “Water, water, everywhere, but not a drop to drink.” The world’s problem is too much money. The problem is that without financial education in our schools, which is part of the conspiracy, most people—even highly educated people from good schools—are short of money even while floating in a sea of money. Today, trillions of dollars are circling the globe looking for people who know what to do with it all. This tsunami of money is causing booms and busts all over the world. For those of you who understand macro-economic forces, when tons of money moves into a country, the banks need to lend that money immediately. The reason this credit expansion happens is because savings are a bank’s liability. Money in a savings account costs the bank money due to storage fees and interest payments. The only way a bank...

Rather than stop the party and face the hangover, the Fed and our world leaders have filled the punch bowl with more debt and more counterfeit money, hoping the party lasts through lunch - all this free money will lead to two outcomes: higher taxes and higher inflation. This is good news for a few people and horrible news for most people. If you’re a person who works for money in the form of a paycheck, commissions, per hour, or for bonuses, governments pouring more rum, vodka, and whiskey in the punchbowl is bad news for you because the taxman taxes those who work for money. It’s good news for investors and business owners because the taxman gives tax breaks to those who have money work for them. The reality of rising inflation will suck the life out of those who save money and reward those who know how to use debt and commodities to increase their wealth. Most people can already see gas, food, and medical prices going up. Now that basic commodities such as metals and cotton are goin...

One reason why the bankers and politicians don’t want our money backed by gold is because they’d lose their power. If our money was stabilized, we could do business logically because it would be based upon sane business principles. As long as bankers and politicians have the power to play games with money, we the people depend on them to save us and save our economy. With gold floating between $1,300 and $1,400 an ounce, the world markets are saying, “Inflation is coming.” This means your money will be worth even less. When inflation and taxes go through the roof, there will be more people who will slide from the middle class into poverty. With higher taxes and inflation, pensions plans, Social Security, and Medicare will collapse. This means many who are middle class today will become the nouveaux-poor of tomorrow. As I wrote in Conspiracy Of The Rich, in times of financial crisis, leadership revolutions happen. In 1933, FDR and Adolf Hitler came to power. Mao came to power when the C...

The recent $115 billion bailout of Ireland demonstrates how desperate the world is. The European Union, including England, says, “We don’t want the crisis to spread.” They say, “If Ireland falls, then Portugal, Italy and Spain will be joining Greece.” They say, “If the European Union fails, England and the US will fail because the EU is the biggest trading partner of England and the US.” When we the people, the voters, hear this, we happily agree to a $115 billion bailout of Ireland. Without financial education, the average person doesn’t ask, “Where did the $115 billion come from?” The answer is, “The banks printed it.” Nor does the average voter ask, “Who is going to pay the 6 percent interest on the $115 billion?” The answer is, “The Irish taxpayer.” Nor does the average person ask, “And who receives the interest on the $115 billion?” The answer is, “The bankers and those that own the banks.” Again, this is one reason why there is no financial education in our schools. How else can ...

Personally, I don’t think it makes much difference which party wins. For those of you who have read Conspiracy of the Rich: The 8 New Rules of Money, you already know I believe the rich control the show and that whoever is elected is simply a puppet with the rich pulling the strings. Millions of middle class voters are hoping and praying someone will save them from this financial crisis. The Tea Party movement is primarily a middle-class movement, a group of people who suspect they’re sliding from the middle class into a future of poverty. The poor in America may care who’s elected, but they’re not involved in this political battle. The poor already know that politics cannot save them from their poverty, which is why traditionally only a small percentage of the poor vote. They also know their Messiah, President Obama, is in trouble for trying to save them. The poor know that the middle class are not interested in saving the poor because the middle class are now focused on saving themse...

Money With money being debt, savers are losers. Old-economy people are still trying to save money as interest rates are near zero and the Fed is printing trillions of dollars. In the new economy, debtors are winners and savers are losers. Education In the new economy, with technology changing so fast, students are obsolete before they leave school. Higher education is common, not unique. Just because you have a college degree doesn’t ensure a secure, high paying job. With lower wages and the cost of school loans is more of a burden than ever, the cost of a college education may be more than the return on the investment. In the new economy, factories have moved over seas. Today, the world has too many factories. If workers want higher wages, the factories simply relocate to lower-wage countries. The Information Age and the new economy eliminate jobs. Just as the automobile made horses obsolete, technology makes many professions obsolete. In the new economy, having a high-paying job may ...

Why is the market rising even as gold and silver skyrocket? One reason: quantitative easing, a.k.a. printing money. The Fed is now on it’s third round of quantitative easing, printing up an estimated $30 billion to buy toxic debt. The reason the stock market is going up is because investors know saving money is foolish. Why save money if the Fed is printing it into oblivion? The reason gold is also going up is because people know that the Fed is printing. People are moving from dollars into whatever they can. Again, savers are losers. These booms will go on until we go bust one more time, and then there’ll be even more losers. When the gold, silver, and stock market peak and crash, it’s the savers and cowards who will once again be the biggest losers. Please don’t be one of them.

Presently, nations are devaluing their money. Why are they doing this? The answer is that if they don’t devalue their currency, their exports will grow too expensive and unemployment will rise. But devaluing a currency means people suffer because a weak currency causes inflation, which makes life more expensive. So, the choice is do you want a job or do you want inflation? What a great choice. a real-life example of how the war of money is good for a few people—but only if you understand the war of money. The Wall Street Journal October 4, 2010 headline reads: “Central Banks Open Spigot”. This means the central banks of the world are printing money at high speed. The talks are over. Again, this means life is becoming more expensive for people. Savings are being devalued. ----------------------- The leaders of the world are calling for a currency pact to stop this money war. But I believe a currency pact will never happen. Currency pacts have been tried before. In 1985, there was the Pl...

The crisis worsens, even if economists say, “The recession is over.” The problem is the US dollar, the Federal Reserve Bank, and the biggest banks like Goldman Sachs. They’re not changing. They don’t have to because they have the power — the power to control money — and as you know, money buys politics and politicians. Ultimately, a corrupt money system runs the show. It’s smarter to study the worldly philosophers and take action you believe is best for you. Understanding economists and their changing philosophies allows me to see the future, make predictions, and take action. I did these things because I studied history and saw the writing on the wall. Today, I’m seeing the benefits of studying history. ... tangible assets that go up in value as the value of the dollar drops. ... the big problem is that our governments are playing games with money, trying to pretend that we don’t have a problem. the Japanese are buying US dollars, trying their best to push the value of the yen down. I...

The National Bureau of Economic Research (NBER), a panel of academic economists based in Cambridge, Mass., says the recession lasted 18 months, from December 2007 to June of 2009. What are these guys snorting, smoking, and drinking? The Worldly Philosophers is a book about the world’s most influential economists such as Adam Smith, David Ricardo, Thomas Malthus, and John Maynard Keynes. The book tells how economists, while not rock stars or famous politicians, have tremendous impact on economies via their philosophies. The problem is that if their philosophy is wrong, it can positively and negatively affect peoples’ lives for decades. For example, Malthus, who was not really an economist but a Protestant preacher, believed strongly in frugality. So, he came up with the philosophy that economics is the allocation of scarce resources. His ideas on scarcity, the idea that there was not enough for everyone, justified imperialism, the conquest of other people and land in order to take their...

The primary reason why investors do better when there are lower interest rates is simply because investors use debt to finance assets. The income from those assets covers the debt payment and provides cash flow every month. A lower payment on debt simply means more money in cash flow. At the same time, most people use debt to finance liabilities such as their homes, cars, and college educations. Those things take money out of their pockets. interest rates will go back up. But that will happen only if the economy recovers. As it stands now, the stimulus payouts are fading and state and local governments are cutting back, which means the economy will sink rather than rise. This means debtors who use debt to invest in assets will be the winners for a while more. Financial education is more important than ever before. It’s vitally important to know the difference between assets and liabilities. After 2007, when the subprime mortgage bubble began to burst, many people found out how big of a...

to study a book about the world explorers like Columbus, Magellan, Cortez, Da Gama, and Pizarro. exciting me about world commerce, gold, silver, and plundering. I love this world we all live on. Progress is being made, and action is being taken. I write to inspire you to get educated about gold and silver then make up your own mind as to what you should do. The sooner you learn how the system works, the sooner you can become a player in one of the most intriguing games on the planet – the Fast Track. What a person should do depends upon their financial education. If you have zero financial education, even if you are a highly educated doctor or lawyer, you should follow traditional financial advice, work hard, save money, buy a home, get out of debt, live below your means, and invest in the stock market. Although I do not follow this advice and personally think it is horrible advice, it is acceptable for financially uneducated people. The unfortunate thing is that the biggest losers tod...

there is no such thing as good or bad news. take action accordingly. The more the economy worsens, the more money I make. If the economy gets better, I will make even more money. This may sound confusing, but justifies the need for financial education. It doesn’t matter - bad news or good news – it’s all good news if you know what to do. I made money simply because I understand the financial system. The worse the economy gets, the lower the interest rates on loans. As I have said many times in COR updates, savers are losers and debtors are winners…but I am a debtor for assets while most people are debtors for liabilities. On top of that, by understanding the tax laws, the government is giving me massive tax breaks while it raises taxes on the under financially educated. Again, it is not cool to brag, and I do not state my success to brag. I want to inspire people to change and move forward. if you were financially educated, you would know that bad news is very good news, but only if yo...

I use the Web to save time, simply because time is money, and the older I get, the more important time becomes. People are now looking for the most efficient ways to access the information they need - apps - instead of spending hours searching for it for free. I love apps and content-rich web sites and will pay for the content because to me time is money, and I have more money than time. I'm not a researcher. I'm an entrepreneur. Just give me information I can use, and I'll pay you for it. The Web and the Net give all of us the power to overpower the COR. I'm playing a little catch up in the world of tech.