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What is the goal of our Exit Strategy? Level 5 - Ultra-rich - $1 million or more a month Level 4 - Rich - $1 million or more per year Level 3 -Affluent - $100,000 to $1 million per year Level 2 -Middle Class - $25,000 to $100,000 per year Level 1- Poor- $25,000 or less per year * $ in USD For Robert, he took 9 years to move from 0-> level 3 (Affluent), 5 years from level 3->level 4(Rich), and 3 years from level 4->level 5 (Ultra-Rich). From the book “Retire Young Retire Rich”: “ Once we decided on our goal, in 1985, we worked backward and developed our exit strategy, our investment plan, and then and only then did we determine our entry strategy. Once we had our exit strategy we knew what to do and where to begin. We created our plan in 1985 and exited in 1994. In 1985, we chose a plan that would get us to the affluent level quickly as well as give us the required education and experience that qualified us to move on to the rich and ultra-rich level. Because our investments br...

Very few people have the opportunity you have.Not many people are financially able to stop working and do nothing. Not many people can truly retire in midlife... during your prime earning years.Most people can't afford to stop working, even if they want to... even if they hate their job... they can't stop working. So don't take this gift lightly. It is a gift few people will ever be presented with... so take it. Take a year to do nothing. That time alone with myself, having nothing to do, was priceless. Very few people have the luxury of at least one year to sit and just think and be with yourself. The hardest thing for you to do is to do nothing.That's why I recommend you set a goal to wait at least a year before even thinking about starting another business. Whatever state your life is in at present, take a moment to appreciate it ... because tomorrow it will only be a memory.

Setting a goal to retire early was a good idea... so why should I fighting it? It is not like me to fight a good idea. The biggest challenge you have is to challenge your own self-doubt and your laziness. It is your self-doubt and your laziness that define and limit who you are. If you want to change what you are you must take on your self-doubt and your laziness. It is your self-doubt and your laziness that keep you small. It is your self-doubt and your laziness that deny the life you want. There is no one in your way except you and your doubts about you. It is easy to stay the same. It is easy not to change. Most people choose to stay the same all their lives. If you will take on your self-doubt and your laziness, you will find the door to your freedom.

Let's set a multiyear goal,Let's go for freedom ... freedom from the drudgery of earning a living. Most people do not thing about retiring until it's too late.. or they plan on retiring when they're sixty-five. I don't want to do that. I want a better plan. I don't want to spend my life working just to pay bills. I want to live. I want to be rich. I want to travel the world while I am young enough to enjoy it. I knew why I was going to do it, even though at that moment I did not know how I was going to do it. If you want something, be passionate. Passion gives energy to your life. If you want something you do not have, find out why you love what you want and why you hate not having what you want . When you combine those two thoughts, you will find the energy to get off your seat and go get anything you want. Why in the world would someone say," I can't afford it" or "I can't do it" to something they want? Why would someone deny thems...

the US is experiencing its worst housing recession since the Great Depression, and the slump is not over. Construction of new homes has fallen about 50%, while new home sales are down more than 60%, creating a supply glut that is driving prices down sharply – 10% so far and probably another 10% this year and in 2009. Already, $2.2 trillion of wealth has been wiped out, and about eight million households have negative equity: their homes’ are worth less than their mortgages. By 2010, the fall in home prices will be close to 30% with $6.6 trillion of home equity destroyed and 21 million households – 40% of the 51 million with a mortgage – facing negative equity. If owners walk away from their homes, credit losses could be $1 trillion or more, wiping out most of the US financial system’s capital and leading to a systemic banking crisis. unsecured consumer credit (credit cards, auto loans, student loans) While a global recession will be averted, a severe growth slowdown will not. Many Eur...

Years ago, when a reporter asked Henry Ford what he would do if he lost his billion dollar fortune, he replied, "I'd have it back in less than five years." One of important aspect of finding your own formula, your own provess, is that when you reach your goal, it will be the process of gaining knowledge that will make you rich. "Money does not make you rich. Knowledge makes you rich." And knowledge is derived from a process. Identifying a problem creates the opportunity for creating a solution.Not all businesses were hurting because of the oil crisis. 行情再好，也有亏钱的公司。行情再坏，也有赚钱的公司。 Just as understanding can replace hatred, education can replace fear. Problem solving is made much easier if you think of problems as challenges. You might as well view them that way, since problems are a part of life. Concentrate all your thoughts upon the work at hand. The sun's rays do not burn until brought to a focus. Problems can be complex and, at times, seemingly endless but w...

The best way to solve the problem of bad financial results is to change our thoughts - to start thinking like rich people rather than poor and middle-class people. That means losing the entitlement mentality - whether you are a military officer, government worker, school teacher, employee or just poor. If we do not stop expecting the government to take care of us, we will continue to have the same results - a bankcrupt nation filled with well-educated but financially needy people. Albert Einstein defined insanity as " doing the same thing over and over again and expecting different results ". Instead of walking away with a solid financial education, most kids leave school (some already) deeply in debt - prepared only to work hard, save money, get out of debt, invest for the long term and diversify. Warren Buffet says the following about diversification: "Diversification is protection against ignorance. (It) makes very little sense if you know what you are doing." ...

Many world economies are becoming two-class societies: the rich and the poor... classes or masses. There are no guarantees, but being ready sure beats being taken by surprise. ~ Donald J.Trump Don't go around saying the world owes you a living. The world owes you nothing. It was here first. ~ Mark Twain The importance of staying on your guard to be aware of the differences between those who give - the teachers - and those who sell. When it comes to money, many people want to be told exactly what to do. They often ask specific questions, such as "I have $25,000. What should I do with it ?" When you tell people that you don't know what to do with your money, they are happy to tell you what to do... and their recommendation is that you give your money to them. Some people do not want to give people fish or teach others to fish... instead they sell people fish. They are in the business of selling.. not necessarily teaching or giving. When you put the two words, sell and...

钱只有在流通中才会产生价值；失去了流通，不仅不能增值，反而还失去了其存在的价值。 你了解货币的价值，知道通货膨胀是什么吗？ 银行存款何错之有呢？ 其错在于投资报酬率太低了，不适宜作为长期投资工具。 假设一个人每年存 1.4 万元，而他将这些钱全部存入银行，享受平均 5% 的利率，40 年后他可以累积 1.4 万元 X （1+5%） X 40 = 169 万元。 与投资报酬率为 20% 的项目如股票、房地产等相比，40 年后他可以累积 1.4 万元 X （1+20%） X 40 = 1。0281 亿元。两者收益相差 70 倍之多！ 所以，银行不是你靠存款生财的地方，把钱存进银行是一种浪费。 通货膨胀的意思是 ：物品和生产要素的价格普遍上升，货币被贬值了。它有利于债务人和获取利润的人，而不利于债权人和领取固定收入的人。 随着社会的发展，通货膨胀是不可能消除的，政府只能想办法把它控制在一定的范围内。 在通货膨胀为 5% 的年份里，名义利率为 5% 的定期存款，实质报酬率等于 0 。 你要想的是银行为什么愿意替你保存钱，而且还愿意付你利息？ 它是傻瓜、慈善机构吗？ 它给你的利息从哪里来？弄清楚这一点后，你就知道你跟银行之间的交易是赔了还是赚了。 银行从穷人那里广泛吸纳赚钱的种子 银行本质上是一个中介机构。它靠什么来赚钱？靠把钱贷出去收取利息来赚钱。 那么银行的钱又从哪里来呢？ 当然不可能是从天上掉下来，而是从无数的穷人那里吸纳过来的。 一个穷人可能只存 1000 块，但抵不过存款人数目多呀! 1000 个穷人就是 100 万块， 1 万个穷人就是 1000 万块！ 穷人何止 1 万个？千千万万有的是。 于是银行不愁没有钱贷出去。 当然，它贷出去收的利息会比付给穷人的利息（作为使用穷人“钱种”的代价）高一些，这中间的差价就落到了自己的腰包里。 穷人干嘛要把自己的钱往银行里送？ 因为穷人图保险，有点钱存在银行心里更踏实，攒够了可以买个“大件”（比如一套房子、子女的留学费用等等）或者提防意外的大灾祸（失业、大病等）。因此，即使银行利率再低，低到只要不是负数，穷人还是乐意把钱往银行里送。 银行吸纳“钱种”，就可以把它贷出去，坐吃利息。 富人借到“钱种”，栽种自己的摇钱树

In this wealth creation process, not a square foot of land is created, but it makes a big difference in transferring latent state land to a large number of “squatters”. This is the model advocated by Peruvian economist Hernando de Soto who has advised many governments. His line of reasoning was that the poor who “squat” on state land in Third World countries had houses to live in or farms to work on, but did not own them – land titles would enable them to sell the property or use them as collateral for bank loans. Such a programme would unlock the values of squatters' land, which to de Soto's estimate, total more than US$9 trillion worldwide. This creation of capital for “squatters” is of crucial consequence in a capitalist system. It would also narrow the disparity in income and assets between poor “squatters” and those in the towns and suburbs, an important endeavour in any economic policy. De Soto's model is applicable, of course, only where state land, and not privately...

Step 1: Market Research 2:Create Website 3:Promote Website & Drive Traffic 4:Focus On Sales Efforts 5:Automation & Tracking image from worldinternetacademy 1. freewordtrackertool.com Find what people want and give it to them ! 4. i.Powerful headlines(eg: An insane Get Yourself A Million in 2 Days! / How a New Discovery Makes a Plain Girl Beautiful) ii.Proof (Before&After, Screenshots) iii.Scarcity & Time Urgency Vii.Audio Testimonials,Case Studies & Endorsements Predictable, Repeatable Fabian Lim

Wealth creation process (alternative income stream) 1. Replacement Income (then you can quit your job and have your time freedom) 2. Investment Income (money over and above what you need daily) Time Freedom->Financial Freedom in correct sequence Passive income - 1 time hardwork translate into unlimited income Read more about Parable of The Pipeline .

Judged by a panel of real estate professionals and experts of the FIABCI International fellowship, Prix d'Exellence goes beyond aesthetics,functionality and size, it is awarded to those that embody excellence in its creation of the finest in real estate. 1Utama Shopping Centre (expansion) Retail Category Your achievement shows that Malaysian property is a world-beater. Does this serve as a testament to the overall quality of Property Malaysia or are you just a rare gem in the country? In a globalised and ICT (Information and Communication Technology) world, we need to be nimble and adapt and adopt world-class standards to be able to capitalise on the opportunity globalisation may offer and we are proud that Malaysia has been constantly achieving and developing iconic and world-class properties which are in lin with global expectations of international businesses and investors.~ Dato Teo Chiang Kok 1Utama - Over 400 retail, F&B, entertainment outlets located in Bandar Utama, Da...

DEMOGRAPHICS (Population Growth as indication of Economic Activity) : The Rise Of Mega Cities… Urbanization and rural to urban migration are strong global trends that cannot be stopped. Economies of scale are obtained when people group closely to each other for specialization and division of labour. According to a study by Munich RE, 10 of the largest and successful Megacities generate 20% of the world’s GDP. (see download in FREE CD) Tokyo accounts for 28% of the Japanese population, but 40% of the country’s GDP. Paris is home to 16% of the French population, but is responsible for 30% of its GDP. Source: Ho Chin Soon

Though we would like to believe that it is a borderless world, in certain aspects governments hinder and restrict unfettered free enterprise in a geographical territory. Thus we see the phenomena of mass movement of human resources. Factories, offices, shophouses and condominiums are not mobile! However machinery can be shipped to new factories where required.

人作为社会性和动物性的复合体，因利而为，是很正常的行为。 毛泽东曾向中国大众推荐过一本小册子 《官场病-柏金森定律》，这本书虽然只有几十页，却对世界产生了深远的影响。 不称职官员的三条出路 一、申请退职，把位子让给能干的人 二、让一位能干的人来协助自己工作 三、聘用两个水平比自己更低的人当助手 这第一条路是万万走不得的，因为那样会丧失许多权利；第二条路也不能走，因为那个能干的人会成为自己的对手；看来只有第三条路可以走了。 于是，两个平庸的助手分担了他的工作，减轻了他的负担。由于助手的平庸，不会对他的权利构成威胁，所以这名官员从此也就可以高枕无忧了。 两个助手既然无能，他们只能上行下效，再为自己找两个更加无能的助手。 如此类推，就形成了一个机构臃肿，人浮于事，相互扯皮，效率低下的领导体系。 这部分阐述是《　》一书中的精华，也是它的主要内容，常常被人们转载传诵，用来解释官场的 形形色色。 http://ycc.dwu.edu.tw/forFriend/pps/SimpleRules.pps

Do you want to work & wake up anytime you want ? Do you want to create "passive" income streams ? Do you want to create surplus money to invest ? Do you want to quit your job ? 3. Do you want to create surplus money to invest ? Many people know that the recession is going to come very soon.People are going to sell off their 3rd properties, 2nd properties etc.Do you want to create surplus money to invest when that time comes ? (Above material is for reference purpose only) A surfer don't go into the water when the wave comes. He was there in the water before the wave comes.

What does financial freedom means to you? Can you define financial freedom clearly? (Are you going for something you don't have a clear idea what it is all about?) Clarity Leads to Power (Money & You) According to Rich Dad, financial freedom is: The number of days you can survive without working. Notice the beauty of the definition? No money in the definition (at least not a single word about money mentioned in the definition). But, in order to survive in this modern world, you’ll need money anyhow, be it your own money, or other people’s money. How long you can survive? 1. How old are you now? 2. How many years you predict you will still live on Earth? 3. What are the monthly expenses to maintain your current living standard up to the day you’ll be living planet Earth? Do a simple calculation and you’ll know how far you are from financial freedom. For example, you need $5,000 in order to survive monthly (maintaining your current lifestyle), and you are 30 years old now. You ex...

If you can do everything online, why would you need a hardisk (with Windows OS) When all you need is just a connection to the internet (Challenge the Norm) When this day comes, it means no business to Microsoft Windows OS ! btw, just fyi, do you know that you can now make money over the internet without even having a website ? With Google Adwords & Redirect to Amazon's product page (of course you gotta be Amazon's affiliate member and have proper internet marketing knowledge, google it for further info)